Home > First Security Trust and Savings Bank > Performance and Condition Ratios
First Security Trust and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 2,132 |
| Cost of funding earning assets | 1.6206% | 1,638 |
| Net interest margin | 3.3496% | 2,518 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.8227% | 3,968 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 1.5118% | 997 |
| Return on assets (ROA) | 1.5121% | 966 |
| Pretax return on assets | 1.6324% | 1,178 |
| Return on Equity (ROE) | 26.8800% | 258 |
| Retained earnings to average equity (ytd only) | 26.8843% | 61 |
| Net charge-offs to loans | -0.0406% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.9724% | 3,679 |
| Assets per employee ($millions) | 12.1767% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 3,589 |
| Loan loss allowance to noncurrent loans | 784.2308% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,141 |
| Noncurrent loans to loans | 0.1191% | 2,923 |
| Net loans and leases to total assets | 53.8100% | 3,364 |
| Net loans and leases to deposits | 58.2266% | 3,624 |
| Net loans and leases to core deposits | 59.1661% | 3,792 |
| Total domestic deposits to total assets | 92.4200% | 240 |
| Equity capital to assets | 6.9995% | 3,938 |
| Core capital (leverage) ratio | 9.3310% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3322% | 1,434 |
| Memoranda: | ||
| Average total assets | $411,488,200 | 1,977 |
| Average earning assets | $400,171,400 | 1,908 |
| Average equity | $23,143,600 | 2,619 |
| Average total loans | $204,304,200 | 2,258 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 2,223 |
| Cost of funding earning assets | 1.4499% | 1,735 |
| Net interest margin | 3.3708% | 2,519 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.7859% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5143% | 1,091 |
| Return on assets (ROA) | 1.5147% | 1,083 |
| Pretax return on assets | 1.6129% | 1,323 |
| Return on Equity (ROE) | 28.6300% | 253 |
| Retained earnings to average equity (ytd only) | 28.6290% | 102 |
| Net charge-offs to loans | -0.0259% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.5498% | 3,714 |
| Assets per employee ($millions) | 11.7767% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 2,745 |
| Loan loss allowance to noncurrent loans | 566.0147% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 2,896 |
| Noncurrent loans to loans | 0.1985% | 2,562 |
| Net loans and leases to total assets | 50.8800% | 3,562 |
| Net loans and leases to deposits | 54.2188% | 3,780 |
| Net loans and leases to core deposits | 55.2521% | 3,892 |
| Total domestic deposits to total assets | 93.8400% | 198 |
| Equity capital to assets | 5.5926% | 4,111 |
| Core capital (leverage) ratio | 8.7313% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4164% | 1,444 |
| Memoranda: | ||
| Average total assets | $413,902,500 | 1,977 |
| Average earning assets | $402,224,250 | 1,903 |
| Average equity | $21,898,000 | 2,687 |
| Average total loans | $200,810,000 | 2,280 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 2,459 |
| Cost of funding earning assets | 1.1113% | 2,248 |
| Net interest margin | 3.4681% | 2,348 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.7409% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6142% | 929 |
| Return on assets (ROA) | 1.6142% | 930 |
| Pretax return on assets | 1.7266% | 1,157 |
| Return on Equity (ROE) | 31.0800% | 199 |
| Retained earnings to average equity (ytd only) | 31.0772% | 75 |
| Net charge-offs to loans | -0.0352% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.2068% | 3,909 |
| Assets per employee ($millions) | 13.1192% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 2,934 |
| Loan loss allowance to noncurrent loans | 574.8756% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 2,905 |
| Noncurrent loans to loans | 0.1924% | 2,505 |
| Net loans and leases to total assets | 46.3200% | 3,777 |
| Net loans and leases to deposits | 49.0276% | 3,954 |
| Net loans and leases to core deposits | 49.9311% | 4,023 |
| Total domestic deposits to total assets | 94.4800% | 122 |
| Equity capital to assets | 5.1153% | 4,359 |
| Core capital (leverage) ratio | 8.3429% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5886% | 1,702 |
| Memoranda: | ||
| Average total assets | $418,401,000 | 1,958 |
| Average earning assets | $406,386,000 | 1,893 |
| Average equity | $21,733,000 | 2,716 |
| Average total loans | $199,068,667 | 2,295 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 2,521 |
| Cost of funding earning assets | 0.4571% | 3,818 |
| Net interest margin | 3.9564% | 1,352 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.9032% | 3,846 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 1.9546% | 532 |
| Return on assets (ROA) | 1.9546% | 521 |
| Pretax return on assets | 2.1079% | 645 |
| Return on Equity (ROE) | 37.3200% | 135 |
| Retained earnings to average equity (ytd only) | 37.3177% | 74 |
| Net charge-offs to loans | -0.0494% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.2819% | 4,066 |
| Assets per employee ($millions) | 12.4028% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,773 |
| Loan loss allowance to noncurrent loans | 847.9087% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,154 |
| Noncurrent loans to loans | 0.1367% | 2,819 |
| Net loans and leases to total assets | 46.4600% | 3,751 |
| Net loans and leases to deposits | 49.4486% | 3,914 |
| Net loans and leases to core deposits | 50.4489% | 3,976 |
| Total domestic deposits to total assets | 93.9500% | 175 |
| Equity capital to assets | 5.6717% | 4,305 |
| Core capital (leverage) ratio | 8.5645% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2037% | 1,574 |
| Memoranda: | ||
| Average total assets | $404,574,500 | 2,027 |
| Average earning assets | $392,075,000 | 1,964 |
| Average equity | $21,191,000 | 2,784 |
| Average total loans | $194,141,500 | 2,346 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 3,920 |
| Cost of funding earning assets | 0.1759% | 3,944 |
| Net interest margin | 2.9658% | 3,528 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.8963% | 3,832 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9907% | 2,604 |
| Return on assets (ROA) | 0.9895% | 2,555 |
| Pretax return on assets | 1.0910% | 2,800 |
| Return on Equity (ROE) | 16.4200% | 976 |
| Retained earnings to average equity (ytd only) | 11.9968% | 668 |
| Net charge-offs to loans | -0.1699% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9001% | 2,642 |
| Assets per employee ($millions) | 12.1168% | 376 |
| Cash dividends to net income (ytd only)* | 26.9397% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,569 |
| Loan loss allowance to noncurrent loans | 2,370.8333% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,593 |
| Noncurrent loans to loans | 0.0490% | 3,406 |
| Net loans and leases to total assets | 48.4200% | 3,645 |
| Net loans and leases to deposits | 51.1217% | 3,852 |
| Net loans and leases to core deposits | 52.0877% | 3,912 |
| Total domestic deposits to total assets | 94.7200% | 170 |
| Equity capital to assets | 4.7937% | 4,415 |
| Core capital (leverage) ratio | 8.0940% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0466% | 1,963 |
| Memoranda: | ||
| Average total assets | $375,154,400 | 2,121 |
| Average earning assets | $363,211,200 | 2,058 |
| Average equity | $22,606,000 | 2,727 |
| Average total loans | $189,467,600 | 2,309 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7608% | 4,232 |
| Cost of funding earning assets | 0.1381% | 3,956 |
| Net interest margin | 2.6227% | 4,068 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.8609% | 3,840 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7122% | 3,533 |
| Return on assets (ROA) | 0.7122% | 3,486 |
| Pretax return on assets | 0.7957% | 3,587 |
| Return on Equity (ROE) | 11.2000% | 2,300 |
| Retained earnings to average equity (ytd only) | 11.1991% | 1,002 |
| Net charge-offs to loans | -0.2207% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1275% | 1,873 |
| Assets per employee ($millions) | 11.6912% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,704 |
| Loan loss allowance to noncurrent loans | 2,335.0515% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,699 |
| Noncurrent loans to loans | 0.0500% | 3,517 |
| Net loans and leases to total assets | 48.1900% | 3,610 |
| Net loans and leases to deposits | 50.8364% | 3,799 |
| Net loans and leases to core deposits | 51.8019% | 3,865 |
| Total domestic deposits to total assets | 94.7900% | 248 |
| Equity capital to assets | 4.6450% | 4,364 |
| Core capital (leverage) ratio | 8.0856% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0250% | 2,046 |
| Memoranda: | ||
| Average total assets | $368,979,250 | 2,161 |
| Average earning assets | $357,178,750 | 2,090 |
| Average equity | $23,465,500 | 2,708 |
| Average total loans | $187,860,000 | 2,328 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4699% | 4,403 |
| Cost of funding earning assets | 0.1231% | 3,927 |
| Net interest margin | 2.3468% | 4,284 |
| Noninterest income to average assets | 0.1196% | 4,399 |
| Noninterest expense to average assets | 1.8922% | 3,720 |
| Loan and lease loss provision to assets | 0.1207% | 823 |
| Net operating income to assets | 0.3767% | 4,155 |
| Return on assets (ROA) | 0.3767% | 4,111 |
| Pretax return on assets | 0.3767% | 4,193 |
| Return on Equity (ROE) | 5.3874% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.3874% | 2,563 |
| Net charge-offs to loans | -0.1517% | 4,538 |
| Credit loss provision to net charge-offs | -153.9007% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1851% | 1,009 |
| Assets per employee ($millions) | 11.6018% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,921 |
| Loan loss allowance to noncurrent loans | 69.9305% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 629 |
| Noncurrent loans to loans | 1.6466% | 433 |
| Net loans and leases to total assets | 49.6423% | 3,409 |
| Net loans and leases to deposits | 52.9472% | 3,611 |
| Net loans and leases to core deposits | 54.0038% | 3,690 |
| Total domestic deposits to total assets | 93.7580% | 328 |
| Equity capital to assets | 5.7846% | 4,277 |
| Core capital (leverage) ratio | 8.4116% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1014% | 2,016 |
| Memoranda: | ||
| Average total assets | $359,472,000 | 2,204 |
| Average earning assets | $347,706,333 | 2,150 |
| Average equity | $25,132,667 | 2,674 |
| Average total loans | $185,874,667 | 2,342 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3856% | 4,391 |
| Cost of funding earning assets | 0.1237% | 3,855 |
| Net interest margin | 2.2619% | 4,285 |
| Noninterest income to average assets | 0.1001% | 4,508 |
| Noninterest expense to average assets | 2.0553% | 3,283 |
| Loan and lease loss provision to assets | 0.0575% | 1,362 |
| Net operating income to assets | 0.1748% | 4,366 |
| Return on assets (ROA) | 0.1748% | 4,335 |
| Pretax return on assets | 0.1748% | 4,356 |
| Return on Equity (ROE) | 2.2835% | 4,218 |
| Retained earnings to average equity (ytd only) | 2.2835% | 3,468 |
| Net charge-offs to loans | -0.0679% | 4,359 |
| Credit loss provision to net charge-offs | -161.2903% | 2,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8441% | 553 |
| Assets per employee ($millions) | 10.1306% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,577 |
| Loan loss allowance to noncurrent loans | 58.6614% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 541 |
| Noncurrent loans to loans | 1.7653% | 440 |
| Net loans and leases to total assets | 53.7436% | 2,792 |
| Net loans and leases to deposits | 58.1134% | 3,068 |
| Net loans and leases to core deposits | 59.4789% | 3,188 |
| Total domestic deposits to total assets | 92.4806% | 408 |
| Equity capital to assets | 7.0781% | 4,175 |
| Core capital (leverage) ratio | 8.5977% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0151% | 2,194 |
| Memoranda: | ||
| Average total assets | $347,777,500 | 2,268 |
| Average earning assets | $336,351,000 | 2,205 |
| Average equity | $26,625,500 | 2,675 |
| Average total loans | $182,674,500 | 2,356 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3796% | 4,550 |
| Cost of funding earning assets | 0.1110% | 4,299 |
| Net interest margin | 2.2686% | 4,438 |
| Noninterest income to average assets | 0.1329% | 4,481 |
| Noninterest expense to average assets | 1.9542% | 3,806 |
| Loan and lease loss provision to assets | 0.0263% | 2,534 |
| Net operating income to assets | 0.3376% | 4,372 |
| Return on assets (ROA) | 0.3770% | 4,341 |
| Pretax return on assets | 0.3770% | 4,420 |
| Return on Equity (ROE) | 4.4940% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.9829% | 3,226 |
| Net charge-offs to loans | -0.0614% | 4,417 |
| Credit loss provision to net charge-offs | -88.4615% | 3,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3033% | 558 |
| Assets per employee ($millions) | 10.0318% | 658 |
| Cash dividends to net income (ytd only)* | 11.3723% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,599 |
| Loan loss allowance to noncurrent loans | 37.3065% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 308 |
| Noncurrent loans to loans | 2.7903% | 225 |
| Net loans and leases to total assets | 50.2518% | 3,243 |
| Net loans and leases to deposits | 55.0972% | 3,509 |
| Net loans and leases to core deposits | 56.4387% | 3,589 |
| Total domestic deposits to total assets | 91.2057% | 415 |
| Equity capital to assets | 8.2227% | 4,219 |
| Core capital (leverage) ratio | 8.1059% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6390% | 2,000 |
| Memoranda: | ||
| Average total assets | $349,862,800 | 2,197 |
| Average earning assets | $336,987,000 | 2,150 |
| Average equity | $29,350,400 | 2,578 |
| Average total loans | $169,406,800 | 2,472 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2908% | 4,678 |
| Cost of funding earning assets | 0.1043% | 4,461 |
| Net interest margin | 2.1865% | 4,581 |
| Noninterest income to average assets | 0.1411% | 4,495 |
| Noninterest expense to average assets | 1.9594% | 3,789 |
| Loan and lease loss provision to assets | 0.0092% | 2,808 |
| Net operating income to assets | 0.2765% | 4,552 |
| Return on assets (ROA) | 0.3292% | 4,507 |
| Pretax return on assets | 0.3292% | 4,568 |
| Return on Equity (ROE) | 3.9044% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.9044% | 3,607 |
| Net charge-offs to loans | -0.1260% | 4,686 |
| Credit loss provision to net charge-offs | -15.1899% | 3,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2749% | 388 |
| Assets per employee ($millions) | 10.3208% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,690 |
| Loan loss allowance to noncurrent loans | 88.7765% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 1,376 |
| Noncurrent loans to loans | 1.1771% | 945 |
| Net loans and leases to total assets | 46.9719% | 3,719 |
| Net loans and leases to deposits | 51.2396% | 3,938 |
| Net loans and leases to core deposits | 52.4684% | 4,015 |
| Total domestic deposits to total assets | 91.6711% | 195 |
| Equity capital to assets | 7.9384% | 4,549 |
| Core capital (leverage) ratio | 8.4036% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4590% | 2,182 |
| Memoranda: | ||
| Average total assets | $349,550,000 | 2,222 |
| Average earning assets | $336,355,500 | 2,172 |
| Average equity | $29,470,250 | 2,604 |
| Average total loans | $167,184,250 | 2,527 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3396% | 4,703 |
| Cost of funding earning assets | 0.1026% | 4,564 |
| Net interest margin | 2.2370% | 4,570 |
| Noninterest income to average assets | 0.1555% | 4,418 |
| Noninterest expense to average assets | 1.9280% | 3,900 |
| Loan and lease loss provision to assets | 0.0631% | 1,786 |
| Net operating income to assets | 0.3179% | 4,505 |
| Return on assets (ROA) | 0.3986% | 4,422 |
| Pretax return on assets | 0.3986% | 4,501 |
| Return on Equity (ROE) | 4.6297% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.6297% | 3,318 |
| Net charge-offs to loans | -0.0658% | 4,477 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4978% | 579 |
| Assets per employee ($millions) | 9.4834% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,482 |
| Loan loss allowance to noncurrent loans | 96.0970% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 1,504 |
| Noncurrent loans to loans | 1.1283% | 1,072 |
| Net loans and leases to total assets | 48.6863% | 3,669 |
| Net loans and leases to deposits | 53.6456% | 3,883 |
| Net loans and leases to core deposits | 55.0632% | 3,964 |
| Total domestic deposits to total assets | 90.7555% | 457 |
| Equity capital to assets | 8.7020% | 4,046 |
| Core capital (leverage) ratio | 8.4396% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2638% | 1,882 |
| Memoranda: | ||
| Average total assets | $342,216,667 | 2,242 |
| Average earning assets | $329,461,333 | 2,194 |
| Average equity | $29,462,000 | 2,604 |
| Average total loans | $164,123,333 | 2,563 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3210% | 4,751 |
| Cost of funding earning assets | 0.1007% | 4,642 |
| Net interest margin | 2.2203% | 4,595 |
| Noninterest income to average assets | 0.3794% | 3,200 |
| Noninterest expense to average assets | 1.9193% | 3,939 |
| Loan and lease loss provision to assets | 0.1483% | 879 |
| Net operating income to assets | 0.4483% | 4,279 |
| Return on assets (ROA) | 0.4483% | 4,315 |
| Pretax return on assets | 0.4483% | 4,424 |
| Return on Equity (ROE) | 5.2354% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.2354% | 3,155 |
| Net charge-offs to loans | -0.0641% | 4,490 |
| Credit loss provision to net charge-offs | -488.4615% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2877% | 1,106 |
| Assets per employee ($millions) | 9.7726% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,584 |
| Loan loss allowance to noncurrent loans | 93.6500% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 1,768 |
| Noncurrent loans to loans | 1.1409% | 1,172 |
| Net loans and leases to total assets | 46.4511% | 3,929 |
| Net loans and leases to deposits | 50.7377% | 4,124 |
| Net loans and leases to core deposits | 51.9439% | 4,197 |
| Total domestic deposits to total assets | 91.5514% | 230 |
| Equity capital to assets | 8.0044% | 4,481 |
| Core capital (leverage) ratio | 8.2727% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7552% | 1,654 |
| Memoranda: | ||
| Average total assets | $342,623,000 | 2,224 |
| Average earning assets | $329,688,500 | 2,176 |
| Average equity | $29,338,500 | 2,597 |
| Average total loans | $162,165,500 | 2,572 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7690% | 4,764 |
| Cost of funding earning assets | 0.1783% | 4,654 |
| Net interest margin | 2.5907% | 4,511 |
| Noninterest income to average assets | 0.3389% | 3,433 |
| Noninterest expense to average assets | 2.2027% | 3,658 |
| Loan and lease loss provision to assets | -0.0104% | 4,908 |
| Net operating income to assets | 0.6666% | 3,535 |
| Return on assets (ROA) | 0.6885% | 3,602 |
| Pretax return on assets | 0.6830% | 3,917 |
| Return on Equity (ROE) | 7.1422% | 3,153 |
| Retained earnings to average equity (ytd only) | 4.2637% | 2,673 |
| Net charge-offs to loans | -0.0413% | 4,627 |
| Credit loss provision to net charge-offs | 51.6129% | 3,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1968% | 1,104 |
| Assets per employee ($millions) | 8.7475% | 816 |
| Cash dividends to net income (ytd only)* | 40.3035% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,583 |
| Loan loss allowance to noncurrent loans | 85.2594% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8333% | 1,211 |
| Noncurrent loans to loans | 1.2597% | 1,086 |
| Net loans and leases to total assets | 47.2398% | 4,032 |
| Net loans and leases to deposits | 52.3798% | 4,201 |
| Net loans and leases to core deposits | 53.7110% | 4,271 |
| Total domestic deposits to total assets | 90.1872% | 491 |
| Equity capital to assets | 9.1868% | 3,900 |
| Core capital (leverage) ratio | 9.0673% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5220% | 1,147 |
| Memoranda: | ||
| Average total assets | $306,308,800 | 2,266 |
| Average earning assets | $297,293,800 | 2,200 |
| Average equity | $29,528,600 | 2,497 |
| Average total loans | $150,290,200 | 2,660 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9009% | 4,793 |
| Cost of funding earning assets | 0.2006% | 4,675 |
| Net interest margin | 2.7003% | 4,462 |
| Noninterest income to average assets | 0.4221% | 2,975 |
| Noninterest expense to average assets | 2.1997% | 3,680 |
| Loan and lease loss provision to assets | -0.0758% | 4,992 |
| Net operating income to assets | 0.9334% | 2,588 |
| Return on assets (ROA) | 0.9232% | 2,749 |
| Pretax return on assets | 0.9157% | 3,339 |
| Return on Equity (ROE) | 9.4579% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.4579% | 874 |
| Net charge-offs to loans | -0.0411% | 4,623 |
| Credit loss provision to net charge-offs | 373.9130% | 1,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1297% | 1,631 |
| Assets per employee ($millions) | 8.3461% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,671 |
| Loan loss allowance to noncurrent loans | 126.4929% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 1,856 |
| Noncurrent loans to loans | 0.7977% | 1,824 |
| Net loans and leases to total assets | 47.7787% | 4,224 |
| Net loans and leases to deposits | 53.2692% | 4,364 |
| Net loans and leases to core deposits | 54.6239% | 4,428 |
| Total domestic deposits to total assets | 89.6928% | 528 |
| Equity capital to assets | 9.9085% | 3,314 |
| Core capital (leverage) ratio | 9.6709% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6077% | 957 |
| Memoranda: | ||
| Average total assets | $301,971,250 | 2,270 |
| Average earning assets | $293,834,750 | 2,194 |
| Average equity | $29,477,250 | 2,498 |
| Average total loans | $149,223,750 | 2,676 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0552% | 4,812 |
| Cost of funding earning assets | 0.2414% | 4,649 |
| Net interest margin | 2.8138% | 4,426 |
| Noninterest income to average assets | 0.0961% | 4,794 |
| Noninterest expense to average assets | 2.2083% | 3,753 |
| Loan and lease loss provision to assets | -0.0761% | 5,026 |
| Net operating income to assets | 0.7207% | 3,318 |
| Return on assets (ROA) | 0.6794% | 3,573 |
| Pretax return on assets | 0.6680% | 3,934 |
| Return on Equity (ROE) | 6.9957% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.9957% | 1,664 |
| Net charge-offs to loans | -0.0536% | 4,698 |
| Credit loss provision to net charge-offs | 285.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7125% | 1,079 |
| Assets per employee ($millions) | 7.9978% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,271 |
| Loan loss allowance to noncurrent loans | 126.0940% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 2,626 |
| Noncurrent loans to loans | 0.8428% | 1,810 |
| Net loans and leases to total assets | 48.9509% | 4,210 |
| Net loans and leases to deposits | 54.7663% | 4,349 |
| Net loans and leases to core deposits | 56.2265% | 4,426 |
| Total domestic deposits to total assets | 89.3815% | 615 |
| Equity capital to assets | 10.0211% | 3,183 |
| Core capital (leverage) ratio | 9.4578% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4272% | 992 |
| Memoranda: | ||
| Average total assets | $299,693,333 | 2,257 |
| Average earning assets | $292,416,000 | 2,174 |
| Average equity | $29,103,667 | 2,516 |
| Average total loans | $149,282,667 | 2,663 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3655% | 4,761 |
| Cost of funding earning assets | 0.3453% | 4,535 |
| Net interest margin | 3.0203% | 4,248 |
| Noninterest income to average assets | 0.1220% | 4,748 |
| Noninterest expense to average assets | 2.1208% | 4,179 |
| Loan and lease loss provision to assets | -0.0981% | 5,070 |
| Net operating income to assets | 1.0465% | 2,015 |
| Return on assets (ROA) | 1.0465% | 2,115 |
| Pretax return on assets | 1.0465% | 2,677 |
| Return on Equity (ROE) | 10.9475% | 1,423 |
| Retained earnings to average equity (ytd only) | 10.9475% | 571 |
| Net charge-offs to loans | -0.0531% | 4,654 |
| Credit loss provision to net charge-offs | 370.0000% | 1,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1011% | 2,498 |
| Assets per employee ($millions) | 7.1742% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,431 |
| Loan loss allowance to noncurrent loans | 83.8298% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 2,079 |
| Noncurrent loans to loans | 1.2569% | 1,300 |
| Net loans and leases to total assets | 50.3141% | 4,226 |
| Net loans and leases to deposits | 56.1853% | 4,359 |
| Net loans and leases to core deposits | 57.6898% | 4,445 |
| Total domestic deposits to total assets | 89.5503% | 456 |
| Equity capital to assets | 9.9642% | 3,820 |
| Core capital (leverage) ratio | 8.9860% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7375% | 1,186 |
| Memoranda: | ||
| Average total assets | $301,581,500 | 2,200 |
| Average earning assets | $294,277,000 | 2,111 |
| Average equity | $28,828,500 | 2,527 |
| Average total loans | $150,719,000 | 2,634 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,787 |
| Cost of funding earning assets | 0.3922% | 4,462 |
| Net interest margin | 3.1990% | 4,186 |
| Noninterest income to average assets | 0.1112% | 4,897 |
| Noninterest expense to average assets | 2.1440% | 4,281 |
| Loan and lease loss provision to assets | 0.1384% | 1,541 |
| Net operating income to assets | 0.9531% | 3,005 |
| Return on assets (ROA) | 0.9506% | 3,101 |
| Pretax return on assets | 0.9506% | 3,602 |
| Return on Equity (ROE) | 10.9078% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.7571% | 773 |
| Net charge-offs to loans | 0.3340% | 622 |
| Credit loss provision to net charge-offs | 92.4843% | 2,621 |
| Earnings coverage of net charge-offs (x) | 7.2944% | 2,890 |
| Efficiency ratio | 66.2644% | 2,730 |
| Assets per employee ($millions) | 7.5556% | 843 |
| Cash dividends to net income (ytd only)* | 19.7174% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 3,962 |
| Loan loss allowance to noncurrent loans | 57.4664% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,680 |
| Noncurrent loans to loans | 1.5646% | 906 |
| Net loans and leases to total assets | 48.7431% | 4,383 |
| Net loans and leases to deposits | 54.1796% | 4,526 |
| Net loans and leases to core deposits | 55.9532% | 4,586 |
| Total domestic deposits to total assets | 89.9658% | 332 |
| Equity capital to assets | 9.3963% | 4,432 |
| Core capital (leverage) ratio | 8.8932% | 4,604 |
| Tier 1 risk-based capital ratio | 17.1199% | 2,019 |
| Total risk-based capital ratio | 18.0544% | 2,057 |
| Memoranda: | ||
| Average total assets | $320,098,000 | 2,038 |
| Average earning assets | $312,628,200 | 1,953 |
| Average equity | $27,897,400 | 2,501 |
| Average total loans | $143,410,800 | 2,686 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,831 |
| Cost of funding earning assets | 0.4012% | 4,497 |
| Net interest margin | 3.2531% | 4,176 |
| Noninterest income to average assets | 0.1112% | 4,950 |
| Noninterest expense to average assets | 2.1317% | 4,305 |
| Loan and lease loss provision to assets | 0.1479% | 1,288 |
| Net operating income to assets | 1.0078% | 2,955 |
| Return on assets (ROA) | 1.0045% | 3,045 |
| Pretax return on assets | 1.0045% | 3,584 |
| Return on Equity (ROE) | 11.7459% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.7459% | 414 |
| Net charge-offs to loans | 0.4703% | 360 |
| Credit loss provision to net charge-offs | 71.8876% | 2,598 |
| Earnings coverage of net charge-offs (x) | 5.6165% | 2,906 |
| Efficiency ratio | 64.8441% | 2,889 |
| Assets per employee ($millions) | 8.3198% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 4,187 |
| Loan loss allowance to noncurrent loans | 71.4850% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 2,408 |
| Noncurrent loans to loans | 1.2081% | 1,299 |
| Net loans and leases to total assets | 43.6685% | 4,705 |
| Net loans and leases to deposits | 48.1056% | 4,816 |
| Net loans and leases to core deposits | 49.5542% | 4,848 |
| Total domestic deposits to total assets | 90.7765% | 125 |
| Equity capital to assets | 8.7526% | 4,894 |
| Core capital (leverage) ratio | 8.6264% | 4,873 |
| Tier 1 risk-based capital ratio | 17.2329% | 2,015 |
| Total risk-based capital ratio | 18.1470% | 2,059 |
| Memoranda: | ||
| Average total assets | $322,677,250 | 2,029 |
| Average earning assets | $315,057,250 | 1,948 |
| Average equity | $27,594,750 | 2,535 |
| Average total loans | $141,171,750 | 2,736 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 4,842 |
| Cost of funding earning assets | 0.3957% | 4,530 |
| Net interest margin | 3.2900% | 4,166 |
| Noninterest income to average assets | 0.1165% | 4,979 |
| Noninterest expense to average assets | 2.2060% | 4,212 |
| Loan and lease loss provision to assets | 0.0752% | 2,311 |
| Net operating income to assets | 1.0435% | 2,754 |
| Return on assets (ROA) | 1.0385% | 2,843 |
| Pretax return on assets | 1.0385% | 3,418 |
| Return on Equity (ROE) | 12.2435% | 1,494 |
| Retained earnings to average equity (ytd only) | 12.2435% | 381 |
| Net charge-offs to loans | 0.7104% | 212 |
| Credit loss provision to net charge-offs | 24.2424% | 2,630 |
| Earnings coverage of net charge-offs (x) | 3.6081% | 2,823 |
| Efficiency ratio | 66.3527% | 2,772 |
| Assets per employee ($millions) | 7.9191% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 4,690 |
| Loan loss allowance to noncurrent loans | 55.3706% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 2,290 |
| Noncurrent loans to loans | 1.2818% | 1,235 |
| Net loans and leases to total assets | 44.4215% | 4,707 |
| Net loans and leases to deposits | 48.9827% | 4,830 |
| Net loans and leases to core deposits | 50.7847% | 4,851 |
| Total domestic deposits to total assets | 90.6882% | 158 |
| Equity capital to assets | 8.7106% | 4,948 |
| Core capital (leverage) ratio | 8.3681% | 5,029 |
| Tier 1 risk-based capital ratio | 16.7243% | 2,171 |
| Total risk-based capital ratio | 17.4769% | 2,269 |
| Memoranda: | ||
| Average total assets | $319,306,000 | 2,051 |
| Average earning assets | $311,369,000 | 1,976 |
| Average equity | $27,083,670 | 2,563 |
| Average total loans | $139,365,330 | 2,775 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8777% | 5,299 |
| Cost of funding earning assets | 0.3840% | 4,558 |
| Net interest margin | 2.4937% | 5,192 |
| Noninterest income to average assets | 0.8768% | 1,092 |
| Noninterest expense to average assets | 2.1869% | 4,287 |
| Loan and lease loss provision to assets | 0.1516% | 1,110 |
| Net operating income to assets | 0.9665% | 2,986 |
| Return on assets (ROA) | 0.9652% | 3,030 |
| Pretax return on assets | 0.9652% | 3,567 |
| Return on Equity (ROE) | 11.5388% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.5388% | 696 |
| Net charge-offs to loans | 0.0352% | 1,763 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 73.7500% | 818 |
| Efficiency ratio | 66.1697% | 2,921 |
| Assets per employee ($millions) | 7.5842% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,413 |
| Loan loss allowance to noncurrent loans | 65.9695% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 1,947 |
| Noncurrent loans to loans | 1.5906% | 998 |
| Net loans and leases to total assets | 44.8201% | 4,709 |
| Net loans and leases to deposits | 49.2371% | 4,841 |
| Net loans and leases to core deposits | 51.2650% | 4,857 |
| Total domestic deposits to total assets | 91.0290% | 168 |
| Equity capital to assets | 8.4957% | 4,990 |
| Core capital (leverage) ratio | 8.3597% | 5,082 |
| Tier 1 risk-based capital ratio | 16.0711% | 2,405 |
| Total risk-based capital ratio | 17.0957% | 2,445 |
| Memoranda: | ||
| Average total assets | $316,616,500 | 2,086 |
| Average earning assets | $308,299,500 | 2,009 |
| Average equity | $26,484,500 | 2,607 |
| Average total loans | $136,417,500 | 2,835 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1728% | 5,164 |
| Cost of funding earning assets | 0.2494% | 4,811 |
| Net interest margin | 2.9234% | 4,883 |
| Noninterest income to average assets | 0.6533% | 2,034 |
| Noninterest expense to average assets | 2.1791% | 4,389 |
| Loan and lease loss provision to assets | 0.1273% | 1,723 |
| Net operating income to assets | 1.1213% | 2,509 |
| Return on assets (ROA) | 1.1209% | 2,507 |
| Pretax return on assets | 1.1230% | 3,195 |
| Return on Equity (ROE) | 13.7441% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.7441% | 184 |
| Net charge-offs to loans | -0.1918% | 5,261 |
| Credit loss provision to net charge-offs | -143.1298% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5365% | 3,257 |
| Assets per employee ($millions) | 7.4928% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,143 |
| Loan loss allowance to noncurrent loans | 65.2739% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 2,017 |
| Noncurrent loans to loans | 1.6756% | 867 |
| Net loans and leases to total assets | 40.4030% | 4,931 |
| Net loans and leases to deposits | 44.3251% | 5,021 |
| Net loans and leases to core deposits | 46.1789% | 5,032 |
| Total domestic deposits to total assets | 91.1515% | 173 |
| Equity capital to assets | 8.2324% | 5,074 |
| Core capital (leverage) ratio | 8.3000% | 5,120 |
| Tier 1 risk-based capital ratio | 17.5628% | 1,879 |
| Total risk-based capital ratio | 18.5279% | 1,920 |
| Memoranda: | ||
| Average total assets | $294,669,200 | 2,188 |
| Average earning assets | $279,846,600 | 2,136 |
| Average equity | $24,032,200 | 2,726 |
| Average total loans | $136,614,800 | 2,809 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2850% | 5,134 |
| Cost of funding earning assets | 0.2081% | 4,991 |
| Net interest margin | 3.0768% | 4,741 |
| Noninterest income to average assets | 0.5372% | 2,630 |
| Noninterest expense to average assets | 2.2191% | 4,281 |
| Loan and lease loss provision to assets | 0.0806% | 2,341 |
| Net operating income to assets | 1.1401% | 2,489 |
| Return on assets (ROA) | 1.1397% | 2,504 |
| Pretax return on assets | 1.1425% | 3,231 |
| Return on Equity (ROE) | 14.0100% | 1,117 |
| Retained earnings to average equity (ytd only) | 14.0100% | 246 |
| Net charge-offs to loans | -0.2318% | 5,323 |
| Credit loss provision to net charge-offs | -72.6141% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4605% | 3,112 |
| Assets per employee ($millions) | 8.1798% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,535 |
| Loan loss allowance to noncurrent loans | 654.6961% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 4,424 |
| Noncurrent loans to loans | 0.1261% | 4,319 |
| Net loans and leases to total assets | 44.6070% | 4,860 |
| Net loans and leases to deposits | 48.5822% | 4,999 |
| Net loans and leases to core deposits | 50.7048% | 5,000 |
| Total domestic deposits to total assets | 91.8176% | 97 |
| Equity capital to assets | 7.7853% | 5,243 |
| Core capital (leverage) ratio | 8.3565% | 5,173 |
| Tier 1 risk-based capital ratio | 15.4026% | 2,694 |
| Total risk-based capital ratio | 16.1745% | 2,834 |
| Memoranda: | ||
| Average total assets | $289,662,250 | 2,221 |
| Average earning assets | $273,521,750 | 2,183 |
| Average equity | $23,563,500 | 2,779 |
| Average total loans | $138,630,250 | 2,805 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3623% | 5,079 |
| Cost of funding earning assets | 0.1498% | 5,246 |
| Net interest margin | 3.2125% | 4,469 |
| Noninterest income to average assets | 0.4316% | 3,282 |
| Noninterest expense to average assets | 2.3203% | 4,098 |
| Loan and lease loss provision to assets | 0.1251% | 1,581 |
| Net operating income to assets | 0.9640% | 3,173 |
| Return on assets (ROA) | 0.9626% | 3,182 |
| Pretax return on assets | 0.9733% | 3,741 |
| Return on Equity (ROE) | 11.6425% | 1,858 |
| Retained earnings to average equity (ytd only) | 11.6425% | 569 |
| Net charge-offs to loans | -0.0715% | 5,046 |
| Credit loss provision to net charge-offs | -357.1429% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8437% | 2,674 |
| Assets per employee ($millions) | 6.9490% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7058% | 4,933 |
| Loan loss allowance to noncurrent loans | 181.8681% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 4,065 |
| Noncurrent loans to loans | 0.3881% | 3,305 |
| Net loans and leases to total assets | 46.7527% | 4,780 |
| Net loans and leases to deposits | 51.1530% | 4,944 |
| Net loans and leases to core deposits | 53.4549% | 4,950 |
| Total domestic deposits to total assets | 91.3978% | 172 |
| Equity capital to assets | 7.9466% | 5,240 |
| Core capital (leverage) ratio | 8.0587% | 5,329 |
| Tier 1 risk-based capital ratio | 13.9457% | 3,382 |
| Total risk-based capital ratio | 14.5668% | 3,646 |
| Memoranda: | ||
| Average total assets | $279,878,670 | 2,290 |
| Average earning assets | $260,360,670 | 2,275 |
| Average equity | $23,139,330 | 2,829 |
| Average total loans | $137,011,330 | 2,831 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 5,037 |
| Cost of funding earning assets | 0.1225% | 5,383 |
| Net interest margin | 3.2670% | 4,271 |
| Noninterest income to average assets | 0.3920% | 3,527 |
| Noninterest expense to average assets | 2.5161% | 3,594 |
| Loan and lease loss provision to assets | 0.0444% | 2,879 |
| Net operating income to assets | 0.7899% | 3,749 |
| Return on assets (ROA) | 0.7884% | 3,758 |
| Pretax return on assets | 0.7884% | 4,179 |
| Return on Equity (ROE) | 9.3359% | 2,747 |
| Retained earnings to average equity (ytd only) | 9.3359% | 1,347 |
| Net charge-offs to loans | -0.1184% | 5,262 |
| Credit loss provision to net charge-offs | -75.0000% | 3,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0993% | 1,737 |
| Assets per employee ($millions) | 6.6680% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 5,152 |
| Loan loss allowance to noncurrent loans | 99.6437% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,398 |
| Noncurrent loans to loans | 0.6224% | 2,672 |
| Net loans and leases to total assets | 48.0065% | 4,697 |
| Net loans and leases to deposits | 52.6107% | 4,858 |
| Net loans and leases to core deposits | 55.1478% | 4,867 |
| Total domestic deposits to total assets | 91.2486% | 240 |
| Equity capital to assets | 8.1994% | 5,177 |
| Core capital (leverage) ratio | 8.4008% | 5,206 |
| Tier 1 risk-based capital ratio | 15.6380% | 2,616 |
| Total risk-based capital ratio | 16.2558% | 2,790 |
| Memoranda: | ||
| Average total assets | $270,415,000 | 2,364 |
| Average earning assets | $244,872,000 | 2,420 |
| Average equity | $22,836,500 | 2,882 |
| Average total loans | $135,170,500 | 2,870 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 4,876 |
| Cost of funding earning assets | 0.1200% | 5,411 |
| Net interest margin | 3.3224% | 4,088 |
| Noninterest income to average assets | 0.3096% | 4,244 |
| Noninterest expense to average assets | 2.5637% | 3,567 |
| Loan and lease loss provision to assets | 0.0611% | 3,010 |
| Net operating income to assets | 0.6784% | 3,686 |
| Return on assets (ROA) | 0.6764% | 3,751 |
| Pretax return on assets | 0.6867% | 4,542 |
| Return on Equity (ROE) | 7.7598% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.5788% | 896 |
| Net charge-offs to loans | -0.1089% | 5,391 |
| Credit loss provision to net charge-offs | -108.3916% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3717% | 1,440 |
| Assets per employee ($millions) | 5.9266% | 1,572 |
| Cash dividends to net income (ytd only)* | 2.3324% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5694% | 5,297 |
| Loan loss allowance to noncurrent loans | 64.3515% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,820 |
| Noncurrent loans to loans | 0.8848% | 2,011 |
| Net loans and leases to total assets | 51.4959% | 4,553 |
| Net loans and leases to deposits | 56.8557% | 4,753 |
| Net loans and leases to core deposits | 59.7538% | 4,768 |
| Total domestic deposits to total assets | 90.5730% | 369 |
| Equity capital to assets | 8.7088% | 4,955 |
| Core capital (leverage) ratio | 9.0256% | 4,619 |
| Tier 1 risk-based capital ratio | 15.2815% | 2,710 |
| Total risk-based capital ratio | 15.8508% | 2,967 |
| Memoranda: | ||
| Average total assets | $253,537,400 | 2,466 |
| Average earning assets | $229,232,000 | 2,502 |
| Average equity | $22,101,200 | 2,946 |
| Average total loans | $131,256,400 | 2,894 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,972 |
| Cost of funding earning assets | 0.1220% | 5,466 |
| Net interest margin | 3.2702% | 4,261 |
| Noninterest income to average assets | 0.3210% | 4,238 |
| Noninterest expense to average assets | 2.4984% | 3,742 |
| Loan and lease loss provision to assets | 0.0556% | 2,976 |
| Net operating income to assets | 0.7124% | 3,911 |
| Return on assets (ROA) | 0.7113% | 3,982 |
| Pretax return on assets | 0.7193% | 4,562 |
| Return on Equity (ROE) | 8.1581% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.1581% | 1,159 |
| Net charge-offs to loans | -0.1095% | 5,401 |
| Credit loss provision to net charge-offs | -98.1308% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3022% | 1,543 |
| Assets per employee ($millions) | 5.7773% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 5,438 |
| Loan loss allowance to noncurrent loans | 67.9602% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 3,158 |
| Noncurrent loans to loans | 0.7655% | 2,446 |
| Net loans and leases to total assets | 52.5744% | 4,532 |
| Net loans and leases to deposits | 58.1547% | 4,745 |
| Net loans and leases to core deposits | 61.2798% | 4,750 |
| Total domestic deposits to total assets | 90.4043% | 349 |
| Equity capital to assets | 9.1605% | 4,757 |
| Core capital (leverage) ratio | 8.7190% | 5,040 |
| Tier 1 risk-based capital ratio | 15.7166% | 2,621 |
| Total risk-based capital ratio | 16.2637% | 2,841 |
| Memoranda: | ||
| Average total assets | $251,728,750 | 2,495 |
| Average earning assets | $227,343,250 | 2,545 |
| Average equity | $21,949,000 | 2,982 |
| Average total loans | $130,306,500 | 2,937 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1185% | 5,331 |
| Cost of funding earning assets | 0.1230% | 5,491 |
| Net interest margin | 2.9955% | 4,922 |
| Noninterest income to average assets | 0.3190% | 4,271 |
| Noninterest expense to average assets | 2.4716% | 3,842 |
| Loan and lease loss provision to assets | 0.0154% | 3,644 |
| Net operating income to assets | 0.4099% | 4,961 |
| Return on assets (ROA) | 0.4091% | 4,988 |
| Pretax return on assets | 0.4207% | 5,143 |
| Return on Equity (ROE) | 3.7349% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.7349% | 3,478 |
| Net charge-offs to loans | 0.1214% | 1,437 |
| Credit loss provision to net charge-offs | 25.0000% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.0875% | 2,643 |
| Efficiency ratio | 84.9801% | 764 |
| Assets per employee ($millions) | 6.0250% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 1,020 |
| Loan loss allowance to noncurrent loans | 151.5686% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,881 |
| Noncurrent loans to loans | 1.1338% | 1,726 |
| Net loans and leases to total assets | 48.9167% | 4,769 |
| Net loans and leases to deposits | 55.1806% | 4,899 |
| Net loans and leases to core deposits | 57.9412% | 4,920 |
| Total domestic deposits to total assets | 88.6484% | 1,134 |
| Equity capital to assets | 10.6435% | 3,179 |
| Core capital (leverage) ratio | 8.3264% | 5,331 |
| Tier 1 risk-based capital ratio | 14.2942% | 3,266 |
| Total risk-based capital ratio | 15.6875% | 3,126 |
| Memoranda: | ||
| Average total assets | $259,584,670 | 2,442 |
| Average earning assets | $224,400,000 | 2,583 |
| Average equity | $28,434,330 | 2,473 |
| Average total loans | $131,816,000 | 2,915 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2030% | 5,245 |
| Cost of funding earning assets | 0.1300% | 5,488 |
| Net interest margin | 3.0731% | 4,727 |
| Noninterest income to average assets | 0.2774% | 4,565 |
| Noninterest expense to average assets | 2.4490% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4365% | 4,830 |
| Return on assets (ROA) | 0.4365% | 4,853 |
| Pretax return on assets | 0.4365% | 5,086 |
| Return on Equity (ROE) | 3.9259% | 4,806 |
| Retained earnings to average equity (ytd only) | 3.9259% | 3,485 |
| Net charge-offs to loans | 0.2733% | 668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.1124% | 2,509 |
| Efficiency ratio | 84.8717% | 899 |
| Assets per employee ($millions) | 5.9982% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 1,008 |
| Loan loss allowance to noncurrent loans | 148.6048% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 2,899 |
| Noncurrent loans to loans | 1.1951% | 1,689 |
| Net loans and leases to total assets | 47.9886% | 4,826 |
| Net loans and leases to deposits | 54.1535% | 4,925 |
| Net loans and leases to core deposits | 56.9410% | 4,927 |
| Total domestic deposits to total assets | 88.6158% | 1,366 |
| Equity capital to assets | 10.7571% | 2,902 |
| Core capital (leverage) ratio | 8.6440% | 5,109 |
| Tier 1 risk-based capital ratio | 14.7892% | 3,072 |
| Total risk-based capital ratio | 16.1835% | 2,928 |
| Memoranda: | ||
| Average total assets | $253,815,000 | 2,514 |
| Average earning assets | $215,420,500 | 2,679 |
| Average equity | $28,223,000 | 2,499 |
| Average total loans | $130,252,000 | 2,952 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,042 |
| Cost of funding earning assets | 0.1423% | 5,471 |
| Net interest margin | 3.2256% | 4,367 |
| Noninterest income to average assets | 0.5460% | 2,938 |
| Noninterest expense to average assets | 2.7511% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5036% | 4,617 |
| Return on assets (ROA) | 0.4999% | 4,712 |
| Pretax return on assets | 0.5104% | 5,002 |
| Return on Equity (ROE) | 4.3129% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.3129% | 2,829 |
| Net charge-offs to loans | -0.0475% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2538% | 988 |
| Assets per employee ($millions) | 5.5389% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 932 |
| Loan loss allowance to noncurrent loans | 143.3133% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,669 |
| Noncurrent loans to loans | 1.2618% | 1,628 |
| Net loans and leases to total assets | 53.0070% | 4,525 |
| Net loans and leases to deposits | 60.5676% | 4,636 |
| Net loans and leases to core deposits | 64.0025% | 4,634 |
| Total domestic deposits to total assets | 87.5172% | 1,868 |
| Equity capital to assets | 11.5120% | 2,163 |
| Core capital (leverage) ratio | 9.1625% | 4,535 |
| Tier 1 risk-based capital ratio | 14.6685% | 3,117 |
| Total risk-based capital ratio | 16.0787% | 2,980 |
| Memoranda: | ||
| Average total assets | $238,452,200 | 2,594 |
| Average earning assets | $201,014,800 | 2,777 |
| Average equity | $27,638,000 | 2,528 |
| Average total loans | $122,145,000 | 3,034 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 5,093 |
| Cost of funding earning assets | 0.1453% | 5,508 |
| Net interest margin | 3.2219% | 4,422 |
| Noninterest income to average assets | 0.5178% | 3,133 |
| Noninterest expense to average assets | 2.7387% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4863% | 4,742 |
| Return on assets (ROA) | 0.4818% | 4,852 |
| Pretax return on assets | 0.4931% | 5,140 |
| Return on Equity (ROE) | 4.1500% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.1500% | 3,362 |
| Net charge-offs to loans | -0.0401% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6247% | 935 |
| Assets per employee ($millions) | 5.1066% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 900 |
| Loan loss allowance to noncurrent loans | 145.0462% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8358% | 2,455 |
| Noncurrent loans to loans | 1.2882% | 1,733 |
| Net loans and leases to total assets | 55.0915% | 4,393 |
| Net loans and leases to deposits | 63.5613% | 4,515 |
| Net loans and leases to core deposits | 67.5299% | 4,505 |
| Total domestic deposits to total assets | 86.6745% | 2,047 |
| Equity capital to assets | 12.5675% | 1,737 |
| Core capital (leverage) ratio | 9.0277% | 4,804 |
| Tier 1 risk-based capital ratio | 15.0776% | 3,015 |
| Total risk-based capital ratio | 16.4673% | 2,884 |
| Memoranda: | ||
| Average total assets | $237,137,500 | 2,611 |
| Average earning assets | $200,082,750 | 2,803 |
| Average equity | $27,533,500 | 2,553 |
| Average total loans | $119,790,500 | 3,079 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3141% | 5,263 |
| Cost of funding earning assets | 0.1459% | 5,573 |
| Net interest margin | 3.1681% | 4,644 |
| Noninterest income to average assets | 0.4053% | 3,837 |
| Noninterest expense to average assets | 2.6674% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3671% | 5,131 |
| Return on assets (ROA) | 0.3639% | 5,231 |
| Pretax return on assets | 0.3805% | 5,371 |
| Return on Equity (ROE) | 3.2163% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.2163% | 3,848 |
| Net charge-offs to loans | -0.0391% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4219% | 762 |
| Assets per employee ($millions) | 5.4162% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 856 |
| Loan loss allowance to noncurrent loans | 142.9268% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 2,386 |
| Noncurrent loans to loans | 1.3459% | 1,673 |
| Net loans and leases to total assets | 49.0325% | 4,908 |
| Net loans and leases to deposits | 55.7848% | 5,030 |
| Net loans and leases to core deposits | 58.7155% | 5,042 |
| Total domestic deposits to total assets | 87.8959% | 1,483 |
| Equity capital to assets | 11.4328% | 2,616 |
| Core capital (leverage) ratio | 8.3160% | 5,523 |
| Tier 1 risk-based capital ratio | 14.9927% | 3,083 |
| Total risk-based capital ratio | 16.3645% | 2,955 |
| Memoranda: | ||
| Average total assets | $241,286,670 | 2,591 |
| Average earning assets | $201,505,670 | 2,799 |
| Average equity | $27,298,670 | 2,574 |
| Average total loans | $117,673,330 | 3,117 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 5,451 |
| Cost of funding earning assets | 0.1462% | 5,636 |
| Net interest margin | 3.0775% | 4,928 |
| Noninterest income to average assets | 0.4499% | 3,484 |
| Noninterest expense to average assets | 2.6576% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3629% | 5,100 |
| Return on assets (ROA) | 0.3582% | 5,201 |
| Pretax return on assets | 0.3832% | 5,342 |
| Return on Equity (ROE) | 3.1834% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.1834% | 3,917 |
| Net charge-offs to loans | -0.0242% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2538% | 870 |
| Assets per employee ($millions) | 5.3566% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 781 |
| Loan loss allowance to noncurrent loans | 140.5797% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 2,484 |
| Noncurrent loans to loans | 1.4421% | 1,646 |
| Net loans and leases to total assets | 45.6603% | 5,141 |
| Net loans and leases to deposits | 51.7019% | 5,241 |
| Net loans and leases to core deposits | 54.9984% | 5,185 |
| Total domestic deposits to total assets | 88.3146% | 1,460 |
| Equity capital to assets | 11.1415% | 2,782 |
| Core capital (leverage) ratio | 8.2841% | 5,584 |
| Tier 1 risk-based capital ratio | 15.7536% | 2,806 |
| Total risk-based capital ratio | 17.1353% | 2,672 |
| Memoranda: | ||
| Average total assets | $240,066,000 | 2,617 |
| Average earning assets | $202,502,000 | 2,797 |
| Average equity | $27,015,500 | 2,598 |
| Average total loans | $115,585,000 | 3,149 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 5,101 |
| Cost of funding earning assets | 0.1492% | 5,688 |
| Net interest margin | 3.2801% | 4,371 |
| Noninterest income to average assets | 0.3643% | 4,298 |
| Noninterest expense to average assets | 2.8218% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3639% | 5,163 |
| Return on assets (ROA) | 0.3626% | 5,253 |
| Pretax return on assets | 0.3670% | 5,389 |
| Return on Equity (ROE) | 3.0663% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.0663% | 3,875 |
| Net charge-offs to loans | 0.0461% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.3529% | 2,137 |
| Efficiency ratio | 88.4551% | 803 |
| Assets per employee ($millions) | 5.0811% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 812 |
| Loan loss allowance to noncurrent loans | 131.7253% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 2,154 |
| Noncurrent loans to loans | 1.5146% | 1,537 |
| Net loans and leases to total assets | 48.7798% | 4,957 |
| Net loans and leases to deposits | 55.4775% | 5,077 |
| Net loans and leases to core deposits | 59.6705% | 5,002 |
| Total domestic deposits to total assets | 87.9271% | 1,673 |
| Equity capital to assets | 11.3712% | 2,471 |
| Core capital (leverage) ratio | 9.0530% | 4,815 |
| Tier 1 risk-based capital ratio | 15.1137% | 3,126 |
| Total risk-based capital ratio | 16.5013% | 2,992 |
| Memoranda: | ||
| Average total assets | $226,447,600 | 2,694 |
| Average earning assets | $195,085,400 | 2,824 |
| Average equity | $26,774,800 | 2,573 |
| Average total loans | $110,653,400 | 3,189 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3749% | 5,261 |
| Cost of funding earning assets | 0.1538% | 5,751 |
| Net interest margin | 3.2211% | 4,609 |
| Noninterest income to average assets | 0.4232% | 3,918 |
| Noninterest expense to average assets | 2.7411% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4612% | 4,931 |
| Return on assets (ROA) | 0.4606% | 5,027 |
| Pretax return on assets | 0.4665% | 5,303 |
| Return on Equity (ROE) | 3.8571% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.8571% | 3,724 |
| Net charge-offs to loans | -0.0183% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4394% | 1,046 |
| Assets per employee ($millions) | 4.5172% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 741 |
| Loan loss allowance to noncurrent loans | 101.7477% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 1,859 |
| Noncurrent loans to loans | 2.0854% | 1,096 |
| Net loans and leases to total assets | 50.7829% | 4,870 |
| Net loans and leases to deposits | 58.3927% | 4,963 |
| Net loans and leases to core deposits | 63.0540% | 4,865 |
| Total domestic deposits to total assets | 86.9678% | 2,060 |
| Equity capital to assets | 12.5636% | 1,709 |
| Core capital (leverage) ratio | 9.1455% | 4,818 |
| Tier 1 risk-based capital ratio | 16.0506% | 2,773 |
| Total risk-based capital ratio | 17.4525% | 2,668 |
| Memoranda: | ||
| Average total assets | $224,627,000 | 2,727 |
| Average earning assets | $194,214,000 | 2,864 |
| Average equity | $26,824,000 | 2,577 |
| Average total loans | $109,233,250 | 3,246 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 5,154 |
| Cost of funding earning assets | 0.1597% | 5,778 |
| Net interest margin | 3.2735% | 4,406 |
| Noninterest income to average assets | 0.5167% | 3,254 |
| Noninterest expense to average assets | 2.5868% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7077% | 3,853 |
| Return on assets (ROA) | 0.7085% | 3,975 |
| Pretax return on assets | 0.7085% | 4,629 |
| Return on Equity (ROE) | 6.0334% | 4,111 |
| Retained earnings to average equity (ytd only) | 6.0334% | 2,226 |
| Net charge-offs to loans | -0.0148% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5199% | 1,987 |
| Assets per employee ($millions) | 4.4331% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 777 |
| Loan loss allowance to noncurrent loans | 108.0836% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 2,268 |
| Noncurrent loans to loans | 1.9990% | 1,222 |
| Net loans and leases to total assets | 46.7530% | 5,195 |
| Net loans and leases to deposits | 53.3423% | 5,293 |
| Net loans and leases to core deposits | 58.4760% | 5,165 |
| Total domestic deposits to total assets | 87.6472% | 1,819 |
| Equity capital to assets | 11.7039% | 2,243 |
| Core capital (leverage) ratio | 10.5740% | 2,870 |
| Tier 1 risk-based capital ratio | 19.1150% | 1,769 |
| Total risk-based capital ratio | 20.5277% | 1,691 |
| Memoranda: | ||
| Average total assets | $227,227,670 | 2,724 |
| Average earning assets | $192,822,000 | 2,905 |
| Average equity | $26,685,000 | 2,592 |
| Average total loans | $108,145,330 | 3,285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 4,674 |
| Cost of funding earning assets | 0.1570% | 5,868 |
| Net interest margin | 3.4497% | 3,626 |
| Noninterest income to average assets | 0.7749% | 1,811 |
| Noninterest expense to average assets | 2.4789% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2182% | 1,494 |
| Return on assets (ROA) | 1.2164% | 1,594 |
| Pretax return on assets | 1.2164% | 2,602 |
| Return on Equity (ROE) | 10.3401% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.3401% | 839 |
| Net charge-offs to loans | -0.0299% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0504% | 3,982 |
| Assets per employee ($millions) | 4.1246% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1798% | 827 |
| Loan loss allowance to noncurrent loans | 111.5745% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 2,470 |
| Noncurrent loans to loans | 1.9537% | 1,356 |
| Net loans and leases to total assets | 47.9735% | 5,034 |
| Net loans and leases to deposits | 54.9762% | 5,127 |
| Net loans and leases to core deposits | 63.8585% | 4,709 |
| Total domestic deposits to total assets | 87.2624% | 2,231 |
| Equity capital to assets | 12.2051% | 1,888 |
| Core capital (leverage) ratio | 9.2068% | 4,702 |
| Tier 1 risk-based capital ratio | 16.0792% | 2,885 |
| Total risk-based capital ratio | 17.5037% | 2,744 |
| Memoranda: | ||
| Average total assets | $225,580,500 | 2,761 |
| Average earning assets | $191,091,000 | 2,936 |
| Average equity | $26,537,500 | 2,625 |
| Average total loans | $107,140,000 | 3,318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,775 |
| Cost of funding earning assets | 0.1570% | 6,056 |
| Net interest margin | 3.5465% | 3,617 |
| Noninterest income to average assets | 0.5364% | 3,261 |
| Noninterest expense to average assets | 3.8626% | 899 |
| Loan and lease loss provision to assets | 1.2153% | 78 |
| Net operating income to assets | -1.6546% | 6,441 |
| Return on assets (ROA) | -1.6583% | 6,444 |
| Pretax return on assets | -1.6583% | 6,432 |
| Return on Equity (ROE) | -14.4028% | 6,409 |
| Retained earnings to average equity (ytd only) | -14.4028% | 6,380 |
| Net charge-offs to loans | 4.6769% | 10 |
| Credit loss provision to net charge-offs | 53.9776% | 3,402 |
| Earnings coverage of net charge-offs (x) | -0.1951% | 4,732 |
| Efficiency ratio | 112.8329% | 182 |
| Assets per employee ($millions) | 4.5692% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 766 |
| Loan loss allowance to noncurrent loans | 103.4453% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 2,074 |
| Noncurrent loans to loans | 2.1828% | 1,224 |
| Net loans and leases to total assets | 44.9433% | 5,408 |
| Net loans and leases to deposits | 51.0125% | 5,531 |
| Net loans and leases to core deposits | 56.6519% | 5,340 |
| Total domestic deposits to total assets | 88.1025% | 1,721 |
| Equity capital to assets | 11.3867% | 2,524 |
| Core capital (leverage) ratio | 8.5797% | 5,468 |
| Tier 1 risk-based capital ratio | 15.6538% | 3,151 |
| Total risk-based capital ratio | 17.0900% | 2,990 |
| Memoranda: | ||
| Average total assets | $218,296,600 | 2,799 |
| Average earning assets | $177,696,000 | 3,071 |
| Average equity | $25,134,000 | 2,645 |
| Average total loans | $105,091,400 | 3,322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,829 |
| Cost of funding earning assets | 0.1577% | 6,139 |
| Net interest margin | 3.5511% | 3,622 |
| Noninterest income to average assets | 0.6297% | 2,687 |
| Noninterest expense to average assets | 4.1323% | 658 |
| Loan and lease loss provision to assets | 1.6395% | 50 |
| Net operating income to assets | -2.2055% | 6,536 |
| Return on assets (ROA) | -2.2086% | 6,537 |
| Pretax return on assets | -2.2086% | 6,530 |
| Return on Equity (ROE) | -19.1266% | 6,504 |
| Retained earnings to average equity (ytd only) | -19.1266% | 6,482 |
| Net charge-offs to loans | 6.2490% | 6 |
| Credit loss provision to net charge-offs | 53.8571% | 3,047 |
| Earnings coverage of net charge-offs (x) | -0.1860% | 4,473 |
| Efficiency ratio | 115.8725% | 162 |
| Assets per employee ($millions) | 4.8175% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2619% | 865 |
| Loan loss allowance to noncurrent loans | 101.1568% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 2,259 |
| Noncurrent loans to loans | 2.2361% | 1,356 |
| Net loans and leases to total assets | 43.2172% | 5,581 |
| Net loans and leases to deposits | 48.6198% | 5,729 |
| Net loans and leases to core deposits | 53.3296% | 5,604 |
| Total domestic deposits to total assets | 88.8879% | 1,309 |
| Equity capital to assets | 10.8045% | 3,177 |
| Core capital (leverage) ratio | 9.2652% | 4,683 |
| Tier 1 risk-based capital ratio | 15.9860% | 3,065 |
| Total risk-based capital ratio | 17.3947% | 2,940 |
| Memoranda: | ||
| Average total assets | $215,756,000 | 2,848 |
| Average earning assets | $178,420,250 | 3,087 |
| Average equity | $24,914,000 | 2,679 |
| Average total loans | $105,102,000 | 3,351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 4,252 |
| Cost of funding earning assets | 0.1617% | 6,182 |
| Net interest margin | 3.7115% | 2,912 |
| Noninterest income to average assets | 0.4919% | 3,532 |
| Noninterest expense to average assets | 4.3323% | 528 |
| Loan and lease loss provision to assets | 2.5102% | 26 |
| Net operating income to assets | -3.2978% | 6,634 |
| Return on assets (ROA) | -3.3007% | 6,635 |
| Pretax return on assets | -3.3007% | 6,633 |
| Return on Equity (ROE) | -27.9079% | 6,604 |
| Retained earnings to average equity (ytd only) | -27.9079% | 6,579 |
| Net charge-offs to loans | 8.5397% | 2 |
| Credit loss provision to net charge-offs | 58.3148% | 2,669 |
| Earnings coverage of net charge-offs (x) | -0.1830% | 4,148 |
| Efficiency ratio | 122.2192% | 133 |
| Assets per employee ($millions) | 4.3112% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7561% | 497 |
| Loan loss allowance to noncurrent loans | 104.8651% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.3930% | 1,207 |
| Noncurrent loans to loans | 2.6282% | 1,156 |
| Net loans and leases to total assets | 47.0419% | 5,262 |
| Net loans and leases to deposits | 54.1592% | 5,345 |
| Net loans and leases to core deposits | 61.1521% | 5,041 |
| Total domestic deposits to total assets | 86.8584% | 2,542 |
| Equity capital to assets | 12.5187% | 1,631 |
| Core capital (leverage) ratio | 9.3904% | 4,478 |
| Tier 1 risk-based capital ratio | 16.5359% | 2,808 |
| Total risk-based capital ratio | 17.4249% | 2,945 |
| Memoranda: | ||
| Average total assets | $208,988,330 | 2,926 |
| Average earning assets | $171,900,000 | 3,175 |
| Average equity | $24,717,000 | 2,691 |
| Average total loans | $105,343,000 | 3,352 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,452 |
| Cost of funding earning assets | 0.1583% | 6,307 |
| Net interest margin | 3.8962% | 2,100 |
| Noninterest income to average assets | 0.5085% | 3,341 |
| Noninterest expense to average assets | 5.3292% | 266 |
| Loan and lease loss provision to assets | 6.2225% | 5 |
| Net operating income to assets | -7.8548% | 6,722 |
| Return on assets (ROA) | -7.8567% | 6,722 |
| Pretax return on assets | -7.8567% | 6,719 |
| Return on Equity (ROE) | -68.4009% | 6,704 |
| Retained earnings to average equity (ytd only) | -68.4009% | 6,692 |
| Net charge-offs to loans | 16.7246% | 1 |
| Credit loss provision to net charge-offs | 72.3748% | 1,976 |
| Earnings coverage of net charge-offs (x) | -0.1899% | 3,448 |
| Efficiency ratio | 144.1525% | 78 |
| Assets per employee ($millions) | 4.2868% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3727% | 301 |
| Loan loss allowance to noncurrent loans | 97.7771% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.8064% | 1,059 |
| Noncurrent loans to loans | 3.4493% | 859 |
| Net loans and leases to total assets | 46.1969% | 5,314 |
| Net loans and leases to deposits | 52.7117% | 5,412 |
| Net loans and leases to core deposits | 57.4563% | 5,242 |
| Total domestic deposits to total assets | 87.6407% | 2,432 |
| Equity capital to assets | 11.6961% | 2,104 |
| Core capital (leverage) ratio | 8.8211% | 5,245 |
| Tier 1 risk-based capital ratio | 16.1099% | 3,117 |
| Total risk-based capital ratio | 17.5256% | 2,984 |
| Memoranda: | ||
| Average total assets | $210,013,000 | 2,932 |
| Average earning assets | $171,861,000 | 3,197 |
| Average equity | $24,122,500 | 2,745 |
| Average total loans | $107,961,000 | 3,301 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,880 |
| Cost of funding earning assets | 0.1595% | 6,498 |
| Net interest margin | 3.2185% | 4,937 |
| Noninterest income to average assets | 0.9336% | 1,572 |
| Noninterest expense to average assets | 3.9048% | 985 |
| Loan and lease loss provision to assets | 0.9222% | 208 |
| Net operating income to assets | -1.1975% | 6,635 |
| Return on assets (ROA) | -1.2607% | 6,647 |
| Pretax return on assets | -1.2826% | 6,641 |
| Return on Equity (ROE) | -11.7946% | 6,605 |
| Retained earnings to average equity (ytd only) | -11.7946% | 6,567 |
| Net charge-offs to loans | 3.5781% | 48 |
| Credit loss provision to net charge-offs | 54.4004% | 3,721 |
| Earnings coverage of net charge-offs (x) | -0.1745% | 5,138 |
| Efficiency ratio | 108.1953% | 299 |
| Assets per employee ($millions) | 4.1995% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0131% | 203 |
| Loan loss allowance to noncurrent loans | 41.8321% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 7.7843% | 199 |
| Noncurrent loans to loans | 9.5933% | 122 |
| Net loans and leases to total assets | 52.7982% | 4,750 |
| Net loans and leases to deposits | 60.0738% | 4,932 |
| Net loans and leases to core deposits | 65.9724% | 4,697 |
| Total domestic deposits to total assets | 87.8889% | 2,245 |
| Equity capital to assets | 11.2762% | 2,366 |
| Core capital (leverage) ratio | 8.4608% | 5,714 |
| Tier 1 risk-based capital ratio | 14.2678% | 4,105 |
| Total risk-based capital ratio | 15.5807% | 4,008 |
| Memoranda: | ||
| Average total assets | $229,230,000 | 2,723 |
| Average earning assets | $190,556,600 | 2,948 |
| Average equity | $24,502,800 | 2,680 |
| Average total loans | $108,604,400 | 3,272 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 6,130 |
| Cost of funding earning assets | 0.1592% | 6,601 |
| Net interest margin | 3.0931% | 5,335 |
| Noninterest income to average assets | 1.0004% | 1,453 |
| Noninterest expense to average assets | 3.6756% | 1,280 |
| Loan and lease loss provision to assets | 1.6521% | 64 |
| Net operating income to assets | -1.7706% | 6,783 |
| Return on assets (ROA) | -1.7666% | 6,786 |
| Pretax return on assets | -1.7666% | 6,782 |
| Return on Equity (ROE) | -16.7328% | 6,750 |
| Retained earnings to average equity (ytd only) | -16.7328% | 6,728 |
| Net charge-offs to loans | 4.1341% | 41 |
| Credit loss provision to net charge-offs | 87.5075% | 2,679 |
| Earnings coverage of net charge-offs (x) | -0.0628% | 4,875 |
| Efficiency ratio | 103.3312% | 372 |
| Assets per employee ($millions) | 5.0081% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1902% | 100 |
| Loan loss allowance to noncurrent loans | 36.1639% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 8.9451% | 181 |
| Noncurrent loans to loans | 14.3518% | 49 |
| Net loans and leases to total assets | 43.7122% | 5,745 |
| Net loans and leases to deposits | 48.1434% | 5,956 |
| Net loans and leases to core deposits | 53.1585% | 5,819 |
| Total domestic deposits to total assets | 90.7957% | 614 |
| Equity capital to assets | 8.6376% | 5,581 |
| Core capital (leverage) ratio | 6.6972% | 6,640 |
| Tier 1 risk-based capital ratio | 11.4194% | 6,095 |
| Total risk-based capital ratio | 12.7723% | 6,014 |
| Memoranda: | ||
| Average total assets | $234,044,250 | 2,700 |
| Average earning assets | $193,456,500 | 2,933 |
| Average equity | $24,709,250 | 2,678 |
| Average total loans | $106,881,250 | 3,328 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2078% | 6,219 |
| Cost of funding earning assets | 0.1611% | 6,666 |
| Net interest margin | 3.0467% | 5,439 |
| Noninterest income to average assets | 1.1453% | 1,163 |
| Noninterest expense to average assets | 3.7009% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0262% | 6,271 |
| Return on assets (ROA) | 0.0429% | 6,326 |
| Pretax return on assets | 0.0429% | 6,311 |
| Return on Equity (ROE) | 0.3808% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.3808% | 5,742 |
| Net charge-offs to loans | 3.7875% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0152% | 4,548 |
| Efficiency ratio | 99.2958% | 512 |
| Assets per employee ($millions) | 4.7953% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9123% | 273 |
| Loan loss allowance to noncurrent loans | 31.2218% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 9.9903% | 147 |
| Noncurrent loans to loans | 12.5308% | 83 |
| Net loans and leases to total assets | 48.3404% | 5,294 |
| Net loans and leases to deposits | 55.0798% | 5,433 |
| Net loans and leases to core deposits | 59.1619% | 5,332 |
| Total domestic deposits to total assets | 87.7642% | 2,407 |
| Equity capital to assets | 11.4354% | 2,349 |
| Core capital (leverage) ratio | 7.7402% | 6,344 |
| Tier 1 risk-based capital ratio | 13.9466% | 4,457 |
| Total risk-based capital ratio | 15.2488% | 4,388 |
| Memoranda: | ||
| Average total assets | $228,591,000 | 2,761 |
| Average earning assets | $193,716,330 | 2,948 |
| Average equity | $25,736,000 | 2,606 |
| Average total loans | $104,025,330 | 3,399 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 6,331 |
| Cost of funding earning assets | 0.1636% | 6,753 |
| Net interest margin | 3.0078% | 5,545 |
| Noninterest income to average assets | 1.6160% | 600 |
| Noninterest expense to average assets | 4.1825% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1060% | 6,448 |
| Return on assets (ROA) | -0.0747% | 6,474 |
| Pretax return on assets | -0.0747% | 6,464 |
| Return on Equity (ROE) | -0.6688% | 6,478 |
| Retained earnings to average equity (ytd only) | -0.6688% | 5,909 |
| Net charge-offs to loans | -0.1329% | 6,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6002% | 465 |
| Assets per employee ($millions) | 4.7772% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1877% | 66 |
| Loan loss allowance to noncurrent loans | 39.3823% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 11.2994% | 143 |
| Noncurrent loans to loans | 15.7119% | 62 |
| Net loans and leases to total assets | 42.5732% | 5,803 |
| Net loans and leases to deposits | 48.3402% | 5,899 |
| Net loans and leases to core deposits | 55.4189% | 5,567 |
| Total domestic deposits to total assets | 88.0700% | 2,264 |
| Equity capital to assets | 11.2118% | 2,723 |
| Core capital (leverage) ratio | 8.0504% | 6,096 |
| Tier 1 risk-based capital ratio | 14.7621% | 3,988 |
| Total risk-based capital ratio | 15.7331% | 4,151 |
| Memoranda: | ||
| Average total assets | $230,197,000 | 2,771 |
| Average earning assets | $188,308,000 | 3,036 |
| Average equity | $25,717,500 | 2,638 |
| Average total loans | $99,345,500 | 3,522 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3974% | 6,488 |
| Cost of funding earning assets | 0.1993% | 6,839 |
| Net interest margin | 3.1981% | 5,570 |
| Noninterest income to average assets | 0.5802% | 3,389 |
| Noninterest expense to average assets | 4.2462% | 722 |
| Loan and lease loss provision to assets | -0.7986% | 7,065 |
| Net operating income to assets | -0.3237% | 6,461 |
| Return on assets (ROA) | -0.3232% | 6,511 |
| Pretax return on assets | -0.3145% | 6,486 |
| Return on Equity (ROE) | -2.7093% | 6,488 |
| Retained earnings to average equity (ytd only) | -2.7093% | 6,239 |
| Net charge-offs to loans | 5.4417% | 26 |
| Credit loss provision to net charge-offs | -32.2084% | 6,254 |
| Earnings coverage of net charge-offs (x) | -0.4491% | 5,658 |
| Efficiency ratio | 135.5445% | 131 |
| Assets per employee ($millions) | 4.9168% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7695% | 47 |
| Loan loss allowance to noncurrent loans | 37.4270% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 12.8461% | 114 |
| Noncurrent loans to loans | 18.0873% | 43 |
| Net loans and leases to total assets | 38.1773% | 6,291 |
| Net loans and leases to deposits | 43.3753% | 6,404 |
| Net loans and leases to core deposits | 50.0142% | 6,146 |
| Total domestic deposits to total assets | 88.0164% | 2,227 |
| Equity capital to assets | 11.1325% | 2,801 |
| Core capital (leverage) ratio | 8.4276% | 5,721 |
| Tier 1 risk-based capital ratio | 15.4852% | 3,431 |
| Total risk-based capital ratio | 16.3421% | 3,618 |
| Memoranda: | ||
| Average total assets | $217,513,600 | 2,864 |
| Average earning assets | $173,605,200 | 3,179 |
| Average equity | $25,947,800 | 2,572 |
| Average total loans | $99,105,600 | 3,547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 6,610 |
| Cost of funding earning assets | 0.2028% | 6,947 |
| Net interest margin | 3.2134% | 5,668 |
| Noninterest income to average assets | 0.4502% | 4,289 |
| Noninterest expense to average assets | 4.0213% | 913 |
| Loan and lease loss provision to assets | -1.1644% | 7,171 |
| Net operating income to assets | 0.1582% | 6,013 |
| Return on assets (ROA) | 0.1588% | 6,165 |
| Pretax return on assets | 0.1687% | 6,172 |
| Return on Equity (ROE) | 1.3075% | 6,192 |
| Retained earnings to average equity (ytd only) | 1.3075% | 5,652 |
| Net charge-offs to loans | 4.4885% | 59 |
| Credit loss provision to net charge-offs | -55.4238% | 6,191 |
| Earnings coverage of net charge-offs (x) | -0.4742% | 5,488 |
| Efficiency ratio | 132.9354% | 136 |
| Assets per employee ($millions) | 4.6946% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5658% | 24 |
| Loan loss allowance to noncurrent loans | 38.5746% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 14.0240% | 107 |
| Noncurrent loans to loans | 22.2057% | 28 |
| Net loans and leases to total assets | 38.4776% | 6,391 |
| Net loans and leases to deposits | 43.7637% | 6,519 |
| Net loans and leases to core deposits | 56.5496% | 5,847 |
| Total domestic deposits to total assets | 87.9214% | 2,091 |
| Equity capital to assets | 11.5991% | 2,647 |
| Core capital (leverage) ratio | 8.8923% | 5,205 |
| Tier 1 risk-based capital ratio | 16.5902% | 2,948 |
| Total risk-based capital ratio | 17.9306% | 2,871 |
| Memoranda: | ||
| Average total assets | $214,119,500 | 2,925 |
| Average earning assets | $171,569,750 | 3,240 |
| Average equity | $26,003,250 | 2,592 |
| Average total loans | $100,224,500 | 3,552 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 6,468 |
| Cost of funding earning assets | 0.1981% | 7,036 |
| Net interest margin | 3.4160% | 5,017 |
| Noninterest income to average assets | 0.4540% | 4,262 |
| Noninterest expense to average assets | 4.0083% | 931 |
| Loan and lease loss provision to assets | 0.4406% | 1,474 |
| Net operating income to assets | -1.2643% | 6,972 |
| Return on assets (ROA) | -1.2643% | 6,989 |
| Pretax return on assets | -1.2537% | 6,955 |
| Return on Equity (ROE) | -10.2417% | 6,908 |
| Retained earnings to average equity (ytd only) | -10.2417% | 6,840 |
| Net charge-offs to loans | 6.9176% | 23 |
| Credit loss provision to net charge-offs | 13.1204% | 4,702 |
| Earnings coverage of net charge-offs (x) | -0.2422% | 5,173 |
| Efficiency ratio | 125.4496% | 193 |
| Assets per employee ($millions) | 4.2744% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3649% | 14 |
| Loan loss allowance to noncurrent loans | 42.3075% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 15.6599% | 88 |
| Noncurrent loans to loans | 24.4988% | 21 |
| Net loans and leases to total assets | 41.6182% | 6,213 |
| Net loans and leases to deposits | 47.3646% | 6,347 |
| Net loans and leases to core deposits | 55.3653% | 5,993 |
| Total domestic deposits to total assets | 87.8677% | 2,232 |
| Equity capital to assets | 11.5254% | 2,567 |
| Core capital (leverage) ratio | 8.5758% | 5,549 |
| Tier 1 risk-based capital ratio | 15.2797% | 3,583 |
| Total risk-based capital ratio | 16.6356% | 3,475 |
| Memoranda: | ||
| Average total assets | $208,814,330 | 2,980 |
| Average earning assets | $167,564,330 | 3,302 |
| Average equity | $25,777,000 | 2,598 |
| Average total loans | $101,364,670 | 3,538 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 6,447 |
| Cost of funding earning assets | 0.1941% | 7,117 |
| Net interest margin | 3.5001% | 4,699 |
| Noninterest income to average assets | 0.5014% | 3,899 |
| Noninterest expense to average assets | 4.1974% | 745 |
| Loan and lease loss provision to assets | 0.4701% | 1,302 |
| Net operating income to assets | -1.3162% | 7,055 |
| Return on assets (ROA) | -1.3162% | 7,070 |
| Pretax return on assets | -1.3045% | 7,042 |
| Return on Equity (ROE) | -10.2977% | 6,992 |
| Retained earnings to average equity (ytd only) | -10.2977% | 6,847 |
| Net charge-offs to loans | 12.2715% | 13 |
| Credit loss provision to net charge-offs | 7.7121% | 3,932 |
| Earnings coverage of net charge-offs (x) | -0.1369% | 4,417 |
| Efficiency ratio | 124.8107% | 184 |
| Assets per employee ($millions) | 4.2039% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0288% | 13 |
| Loan loss allowance to noncurrent loans | 59.8496% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 12.9390% | 168 |
| Noncurrent loans to loans | 18.4276% | 66 |
| Net loans and leases to total assets | 40.1252% | 6,338 |
| Net loans and leases to deposits | 45.8909% | 6,438 |
| Net loans and leases to core deposits | 54.1366% | 6,046 |
| Total domestic deposits to total assets | 87.4360% | 2,697 |
| Equity capital to assets | 12.0220% | 2,023 |
| Core capital (leverage) ratio | 9.1308% | 4,637 |
| Tier 1 risk-based capital ratio | 16.4480% | 2,935 |
| Total risk-based capital ratio | 17.8258% | 2,835 |
| Memoranda: | ||
| Average total assets | $204,223,500 | 3,058 |
| Average earning assets | $166,965,000 | 3,332 |
| Average equity | $26,103,000 | 2,560 |
| Average total loans | $101,438,500 | 3,554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 6,937 |
| Cost of funding earning assets | 0.2344% | 7,195 |
| Net interest margin | 3.3530% | 5,640 |
| Noninterest income to average assets | 0.5467% | 3,535 |
| Noninterest expense to average assets | 4.0709% | 937 |
| Loan and lease loss provision to assets | 1.5774% | 452 |
| Net operating income to assets | -2.3206% | 7,080 |
| Return on assets (ROA) | -2.3034% | 7,094 |
| Pretax return on assets | -2.2950% | 7,084 |
| Return on Equity (ROE) | -16.1666% | 6,912 |
| Retained earnings to average equity (ytd only) | -16.1666% | 6,891 |
| Net charge-offs to loans | 6.4036% | 42 |
| Credit loss provision to net charge-offs | 50.2353% | 5,418 |
| Earnings coverage of net charge-offs (x) | -0.2340% | 5,976 |
| Efficiency ratio | 122.0254% | 293 |
| Assets per employee ($millions) | 3.9602% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7476% | 8 |
| Loan loss allowance to noncurrent loans | 60.2082% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 16.0084% | 97 |
| Noncurrent loans to loans | 21.1725% | 41 |
| Net loans and leases to total assets | 47.7454% | 5,851 |
| Net loans and leases to deposits | 55.7354% | 5,914 |
| Net loans and leases to core deposits | 65.8117% | 5,269 |
| Total domestic deposits to total assets | 85.6644% | 3,501 |
| Equity capital to assets | 13.6209% | 1,210 |
| Core capital (leverage) ratio | 9.5645% | 3,924 |
| Tier 1 risk-based capital ratio | 16.8925% | 2,652 |
| Total risk-based capital ratio | 18.2726% | 2,547 |
| Memoranda: | ||
| Average total assets | $203,051,600 | 3,022 |
| Average earning assets | $168,925,800 | 3,266 |
| Average equity | $28,930,000 | 2,278 |
| Average total loans | $99,568,400 | 3,630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 7,029 |
| Cost of funding earning assets | 0.2479% | 7,279 |
| Net interest margin | 3.3440% | 5,735 |
| Noninterest income to average assets | 0.3215% | 5,297 |
| Noninterest expense to average assets | 3.8167% | 1,284 |
| Loan and lease loss provision to assets | 1.4249% | 500 |
| Net operating income to assets | -2.1866% | 7,167 |
| Return on assets (ROA) | -2.1717% | 7,175 |
| Pretax return on assets | -2.1633% | 7,154 |
| Return on Equity (ROE) | -15.0858% | 7,019 |
| Retained earnings to average equity (ytd only) | -15.0858% | 6,994 |
| Net charge-offs to loans | 6.9079% | 38 |
| Credit loss provision to net charge-offs | 43.2486% | 5,176 |
| Earnings coverage of net charge-offs (x) | -0.2287% | 5,735 |
| Efficiency ratio | 124.5919% | 262 |
| Assets per employee ($millions) | 4.3306% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.9959% | 7 |
| Loan loss allowance to noncurrent loans | 54.3162% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 15.5913% | 117 |
| Noncurrent loans to loans | 25.7673% | 24 |
| Net loans and leases to total assets | 39.2484% | 6,693 |
| Net loans and leases to deposits | 45.2930% | 6,773 |
| Net loans and leases to core deposits | 56.0273% | 6,318 |
| Total domestic deposits to total assets | 86.6546% | 2,852 |
| Equity capital to assets | 12.7996% | 1,716 |
| Core capital (leverage) ratio | 9.8921% | 3,585 |
| Tier 1 risk-based capital ratio | 18.4213% | 2,109 |
| Total risk-based capital ratio | 19.8069% | 2,035 |
| Memoranda: | ||
| Average total assets | $205,302,500 | 3,014 |
| Average earning assets | $168,337,750 | 3,281 |
| Average equity | $29,554,750 | 2,224 |
| Average total loans | $97,914,250 | 3,703 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 7,171 |
| Cost of funding earning assets | 0.2636% | 7,350 |
| Net interest margin | 3.2112% | 6,122 |
| Noninterest income to average assets | 0.2481% | 5,874 |
| Noninterest expense to average assets | 3.6892% | 1,547 |
| Loan and lease loss provision to assets | 0.4168% | 2,348 |
| Net operating income to assets | -1.1580% | 6,991 |
| Return on assets (ROA) | -1.1570% | 6,996 |
| Pretax return on assets | -1.1490% | 6,945 |
| Return on Equity (ROE) | -7.7300% | 6,854 |
| Retained earnings to average equity (ytd only) | -7.7300% | 6,759 |
| Net charge-offs to loans | 8.1976% | 38 |
| Credit loss provision to net charge-offs | 10.4974% | 5,241 |
| Earnings coverage of net charge-offs (x) | -0.1847% | 5,398 |
| Efficiency ratio | 124.8070% | 300 |
| Assets per employee ($millions) | 4.0042% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3752% | 9 |
| Loan loss allowance to noncurrent loans | 54.5681% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 16.3414% | 116 |
| Noncurrent loans to loans | 24.5110% | 35 |
| Net loans and leases to total assets | 43.3338% | 6,493 |
| Net loans and leases to deposits | 51.4542% | 6,507 |
| Net loans and leases to core deposits | 61.7925% | 5,916 |
| Total domestic deposits to total assets | 84.2182% | 4,254 |
| Equity capital to assets | 15.2589% | 760 |
| Core capital (leverage) ratio | 10.9977% | 2,253 |
| Tier 1 risk-based capital ratio | 18.5438% | 1,995 |
| Total risk-based capital ratio | 20.0024% | 1,889 |
| Memoranda: | ||
| Average total assets | $201,559,670 | 3,081 |
| Average earning assets | $169,968,000 | 3,276 |
| Average equity | $30,168,000 | 2,179 |
| Average total loans | $97,614,000 | 3,749 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 7,255 |
| Cost of funding earning assets | 0.2785% | 7,411 |
| Net interest margin | 3.1439% | 6,234 |
| Noninterest income to average assets | 0.2252% | 6,119 |
| Noninterest expense to average assets | 6.0029% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -3.1082% | 7,401 |
| Return on assets (ROA) | -3.1062% | 7,404 |
| Pretax return on assets | -3.1003% | 7,383 |
| Return on Equity (ROE) | -20.9494% | 7,230 |
| Retained earnings to average equity (ytd only) | -20.9494% | 7,170 |
| Net charge-offs to loans | 0.2301% | 3,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -28.2857% | 5,083 |
| Efficiency ratio | 206.9548% | 61 |
| Assets per employee ($millions) | 4.1073% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.9016% | 5 |
| Loan loss allowance to noncurrent loans | 59.3499% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 16.7316% | 108 |
| Noncurrent loans to loans | 28.4779% | 17 |
| Net loans and leases to total assets | 39.8683% | 6,785 |
| Net loans and leases to deposits | 46.7529% | 6,806 |
| Net loans and leases to core deposits | 55.5728% | 6,445 |
| Total domestic deposits to total assets | 85.2746% | 3,901 |
| Equity capital to assets | 14.3661% | 914 |
| Core capital (leverage) ratio | 10.6932% | 2,440 |
| Tier 1 risk-based capital ratio | 17.0552% | 2,449 |
| Total risk-based capital ratio | 18.5314% | 2,354 |
| Memoranda: | ||
| Average total assets | $204,236,000 | 3,065 |
| Average earning assets | $173,797,000 | 3,237 |
| Average equity | $30,282,500 | 2,159 |
| Average total loans | $97,345,000 | 3,795 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2272% | 7,457 |
| Cost of funding earning assets | 0.4245% | 7,404 |
| Net interest margin | 2.8027% | 7,026 |
| Noninterest income to average assets | 0.1552% | 6,612 |
| Noninterest expense to average assets | 4.6742% | 559 |
| Loan and lease loss provision to assets | 1.5601% | 937 |
| Net operating income to assets | -4.8641% | 7,527 |
| Return on assets (ROA) | -4.8544% | 7,531 |
| Pretax return on assets | -3.8918% | 7,422 |
| Return on Equity (ROE) | -34.0072% | 7,279 |
| Retained earnings to average equity (ytd only) | -34.0072% | 7,269 |
| Net charge-offs to loans | 1.3804% | 1,617 |
| Credit loss provision to net charge-offs | 236.8495% | 1,231 |
| Earnings coverage of net charge-offs (x) | -3.5549% | 6,753 |
| Efficiency ratio | 200.3773% | 92 |
| Assets per employee ($millions) | 4.0621% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.3761% | 4 |
| Loan loss allowance to noncurrent loans | 54.9946% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 16.8380% | 121 |
| Noncurrent loans to loans | 31.5960% | 8 |
| Net loans and leases to total assets | 39.1185% | 7,018 |
| Net loans and leases to deposits | 46.4208% | 7,025 |
| Net loans and leases to core deposits | 57.0076% | 6,633 |
| Total domestic deposits to total assets | 84.2693% | 4,234 |
| Equity capital to assets | 15.2935% | 721 |
| Core capital (leverage) ratio | 11.4464% | 1,863 |
| Tier 1 risk-based capital ratio | 18.9186% | 1,739 |
| Total risk-based capital ratio | 20.3850% | 1,652 |
| Memoranda: | ||
| Average total assets | $215,888,200 | 2,916 |
| Average earning assets | $167,729,800 | 3,321 |
| Average equity | $30,817,000 | 2,124 |
| Average total loans | $103,014,600 | 3,712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1769% | 7,598 |
| Cost of funding earning assets | 0.4628% | 7,502 |
| Net interest margin | 2.7141% | 7,216 |
| Noninterest income to average assets | 0.1521% | 6,769 |
| Noninterest expense to average assets | 4.3270% | 724 |
| Loan and lease loss provision to assets | -0.3250% | 7,735 |
| Net operating income to assets | -1.3080% | 7,036 |
| Return on assets (ROA) | -1.2987% | 7,058 |
| Pretax return on assets | -1.7740% | 7,125 |
| Return on Equity (ROE) | -9.2511% | 6,892 |
| Retained earnings to average equity (ytd only) | -9.2511% | 6,834 |
| Net charge-offs to loans | -0.3539% | 7,659 |
| Credit loss provision to net charge-offs | 192.0863% | 1,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.3297% | 93 |
| Assets per employee ($millions) | 4.4137% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0028% | 7 |
| Loan loss allowance to noncurrent loans | 40.5858% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 16.7455% | 111 |
| Noncurrent loans to loans | 34.5016% | 11 |
| Net loans and leases to total assets | 38.8187% | 7,137 |
| Net loans and leases to deposits | 44.5862% | 7,219 |
| Net loans and leases to core deposits | 58.3679% | 6,706 |
| Total domestic deposits to total assets | 87.0643% | 2,489 |
| Equity capital to assets | 12.7208% | 1,734 |
| Core capital (leverage) ratio | 8.8122% | 4,982 |
| Tier 1 risk-based capital ratio | 15.7687% | 2,873 |
| Total risk-based capital ratio | 17.2111% | 2,729 |
| Memoranda: | ||
| Average total assets | $219,083,750 | 2,933 |
| Average earning assets | $166,532,000 | 3,381 |
| Average equity | $30,755,750 | 2,149 |
| Average total loans | $104,728,000 | 3,718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 7,696 |
| Cost of funding earning assets | 0.5138% | 7,527 |
| Net interest margin | 2.6002% | 7,348 |
| Noninterest income to average assets | 0.1549% | 6,779 |
| Noninterest expense to average assets | 4.1065% | 914 |
| Loan and lease loss provision to assets | -0.4916% | 7,812 |
| Net operating income to assets | -0.7364% | 6,831 |
| Return on assets (ROA) | -0.7347% | 6,846 |
| Pretax return on assets | -1.4619% | 7,063 |
| Return on Equity (ROE) | -5.0646% | 6,701 |
| Retained earnings to average equity (ytd only) | -5.0646% | 6,561 |
| Net charge-offs to loans | -0.7440% | 7,753 |
| Credit loss provision to net charge-offs | 135.5499% | 2,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.9836% | 114 |
| Assets per employee ($millions) | 3.5304% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.2130% | 7 |
| Loan loss allowance to noncurrent loans | 35.2394% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 20.2547% | 55 |
| Noncurrent loans to loans | 40.3326% | 6 |
| Net loans and leases to total assets | 40.3258% | 7,145 |
| Net loans and leases to deposits | 46.9608% | 7,206 |
| Net loans and leases to core deposits | 57.6414% | 6,855 |
| Total domestic deposits to total assets | 85.8712% | 3,163 |
| Equity capital to assets | 13.9460% | 1,176 |
| Core capital (leverage) ratio | 9.6409% | 3,623 |
| Tier 1 risk-based capital ratio | 18.7323% | 1,782 |
| Total risk-based capital ratio | 20.1888% | 1,703 |
| Memoranda: | ||
| Average total assets | $215,607,330 | 2,991 |
| Average earning assets | $165,449,000 | 3,422 |
| Average equity | $31,275,670 | 2,111 |
| Average total loans | $105,103,670 | 3,738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 7,704 |
| Cost of funding earning assets | 0.5203% | 7,647 |
| Net interest margin | 2.9808% | 6,872 |
| Noninterest income to average assets | 0.1570% | 6,844 |
| Noninterest expense to average assets | 3.7594% | 1,397 |
| Loan and lease loss provision to assets | -1.0170% | 7,918 |
| Net operating income to assets | 1.1816% | 1,590 |
| Return on assets (ROA) | 1.1852% | 1,656 |
| Pretax return on assets | -0.2879% | 6,625 |
| Return on Equity (ROE) | 8.0125% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.0125% | 1,704 |
| Net charge-offs to loans | -2.0789% | 7,868 |
| Credit loss provision to net charge-offs | 98.5507% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.5115% | 196 |
| Assets per employee ($millions) | 3.5828% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1079% | 8 |
| Loan loss allowance to noncurrent loans | 35.5402% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 19.3269% | 62 |
| Noncurrent loans to loans | 39.6956% | 9 |
| Net loans and leases to total assets | 40.4757% | 7,220 |
| Net loans and leases to deposits | 47.4107% | 7,258 |
| Net loans and leases to core deposits | 55.3912% | 7,023 |
| Total domestic deposits to total assets | 85.3725% | 3,475 |
| Equity capital to assets | 14.3939% | 1,038 |
| Core capital (leverage) ratio | 10.8401% | 2,345 |
| Tier 1 risk-based capital ratio | 20.0155% | 1,518 |
| Total risk-based capital ratio | 21.4509% | 1,451 |
| Memoranda: | ||
| Average total assets | $213,967,500 | 3,057 |
| Average earning assets | $164,517,000 | 3,486 |
| Average equity | $31,650,500 | 2,100 |
| Average total loans | $106,209,500 | 3,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 7,662 |
| Cost of funding earning assets | 0.6765% | 7,713 |
| Net interest margin | 3.3942% | 5,390 |
| Noninterest income to average assets | 0.1780% | 6,811 |
| Noninterest expense to average assets | 4.5932% | 725 |
| Loan and lease loss provision to assets | 2.4395% | 820 |
| Net operating income to assets | -2.9291% | 7,375 |
| Return on assets (ROA) | -2.9130% | 7,387 |
| Pretax return on assets | -4.1725% | 7,568 |
| Return on Equity (ROE) | -32.1745% | 7,439 |
| Retained earnings to average equity (ytd only) | -40.7784% | 7,566 |
| Net charge-offs to loans | 8.0695% | 80 |
| Credit loss provision to net charge-offs | 50.0738% | 6,744 |
| Earnings coverage of net charge-offs (x) | -0.3604% | 6,589 |
| Efficiency ratio | 161.8935% | 247 |
| Assets per employee ($millions) | 3.3738% | 5,317 |
| Cash dividends to net income (ytd only)* | -26.7413% | 7,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7024% | 10 |
| Loan loss allowance to noncurrent loans | 36.0337% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 20.5778% | 51 |
| Noncurrent loans to loans | 38.0267% | 10 |
| Net loans and leases to total assets | 45.1785% | 7,041 |
| Net loans and leases to deposits | 53.5792% | 7,079 |
| Net loans and leases to core deposits | 68.4545% | 6,853 |
| Total domestic deposits to total assets | 84.3211% | 3,882 |
| Equity capital to assets | 15.2221% | 861 |
| Core capital (leverage) ratio | 10.5253% | 2,579 |
| Tier 1 risk-based capital ratio | 19.9150% | 1,477 |
| Total risk-based capital ratio | 21.3824% | 1,401 |
| Memoranda: | ||
| Average total assets | $208,481,800 | 3,078 |
| Average earning assets | $163,336,600 | 3,457 |
| Average equity | $18,875,200 | 3,362 |
| Average total loans | $125,869,000 | 3,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 7,721 |
| Cost of funding earning assets | 0.6892% | 7,823 |
| Net interest margin | 3.5128% | 4,814 |
| Noninterest income to average assets | 0.1919% | 6,847 |
| Noninterest expense to average assets | 3.4016% | 2,572 |
| Loan and lease loss provision to assets | 2.8419% | 545 |
| Net operating income to assets | -2.0601% | 7,345 |
| Return on assets (ROA) | -2.0597% | 7,341 |
| Pretax return on assets | -3.2926% | 7,573 |
| Return on Equity (ROE) | -27.3304% | 7,555 |
| Retained earnings to average equity (ytd only) | -41.0676% | 7,755 |
| Net charge-offs to loans | 0.0327% | 6,436 |
| Credit loss provision to net charge-offs | 13,931.2500% | 23 |
| Earnings coverage of net charge-offs (x) | -22.1228% | 6,941 |
| Efficiency ratio | 115.2982% | 669 |
| Assets per employee ($millions) | 3.7805% | 4,224 |
| Cash dividends to net income (ytd only)* | -50.2631% | 7,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.7023% | 3 |
| Loan loss allowance to noncurrent loans | 48.4009% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 23.1340% | 26 |
| Noncurrent loans to loans | 40.7064% | 6 |
| Net loans and leases to total assets | 43.5888% | 7,272 |
| Net loans and leases to deposits | 51.4653% | 7,336 |
| Net loans and leases to core deposits | 72.2323% | 6,834 |
| Total domestic deposits to total assets | 84.6957% | 3,378 |
| Equity capital to assets | 15.0874% | 981 |
| Core capital (leverage) ratio | 10.7136% | 2,633 |
| Tier 1 risk-based capital ratio | 20.1477% | 1,529 |
| Total risk-based capital ratio | 21.6743% | 1,429 |
| Memoranda: | ||
| Average total assets | $209,152,500 | 3,096 |
| Average earning assets | $164,234,250 | 3,469 |
| Average equity | $15,762,250 | 3,956 |
| Average total loans | $130,401,250 | 3,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 7,646 |
| Cost of funding earning assets | 0.6690% | 7,942 |
| Net interest margin | 3.8009% | 3,549 |
| Noninterest income to average assets | 0.2017% | 6,851 |
| Noninterest expense to average assets | 3.1182% | 3,627 |
| Loan and lease loss provision to assets | 11.7810% | 20 |
| Net operating income to assets | -6.7870% | 8,039 |
| Return on assets (ROA) | -6.7864% | 8,033 |
| Pretax return on assets | -11.6442% | 8,132 |
| Return on Equity (ROE) | -143.5578% | 8,123 |
| Retained earnings to average equity (ytd only) | -177.3607% | 8,139 |
| Net charge-offs to loans | 0.0768% | 5,439 |
| Credit loss provision to net charge-offs | 23,476.4706% | 17 |
| Earnings coverage of net charge-offs (x) | 2.7059% | 3,729 |
| Efficiency ratio | 95.8270% | 1,389 |
| Assets per employee ($millions) | 3.3649% | 5,146 |
| Cash dividends to net income (ytd only)* | -23.5465% | 7,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 24.1908% | 3 |
| Loan loss allowance to noncurrent loans | 74.9039% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 21.8308% | 35 |
| Noncurrent loans to loans | 32.2958% | 15 |
| Net loans and leases to total assets | 48.4848% | 6,996 |
| Net loans and leases to deposits | 49.6379% | 7,500 |
| Net loans and leases to core deposits | 64.4418% | 7,277 |
| Total domestic deposits to total assets | 97.6771% | 16 |
| Equity capital to assets | 2.0915% | 8,142 |
| Core capital (leverage) ratio | -4.7883% | 8,190 |
| Tier 1 risk-based capital ratio | -6.7556% | 8,190 |
| Total risk-based capital ratio | -6.7556% | 8,190 |
| Memoranda: | ||
| Average total assets | $203,259,670 | 3,189 |
| Average earning assets | $163,223,670 | 3,502 |
| Average equity | $9,608,670 | 5,484 |
| Average total loans | $132,824,000 | 3,290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 2,052 |
| Cost of funding earning assets | 0.6271% | 8,036 |
| Net interest margin | 5.4463% | 190 |
| Noninterest income to average assets | 0.2116% | 6,782 |
| Noninterest expense to average assets | 2.8221% | 4,464 |
| Loan and lease loss provision to assets | -0.0020% | 8,164 |
| Net operating income to assets | 1.1814% | 1,711 |
| Return on assets (ROA) | 1.1826% | 1,813 |
| Pretax return on assets | 1.9796% | 689 |
| Return on Equity (ROE) | 19.5003% | 460 |
| Retained earnings to average equity (ytd only) | -33.4570% | 7,891 |
| Net charge-offs to loans | -0.0030% | 7,133 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8211% | 6,573 |
| Assets per employee ($millions) | 3.3565% | 5,188 |
| Cash dividends to net income (ytd only)* | 271.5719% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.9531% | 5 |
| Loan loss allowance to noncurrent loans | 79.8029% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 13.7380% | 102 |
| Noncurrent loans to loans | 18.7376% | 49 |
| Net loans and leases to total assets | 56.9665% | 6,102 |
| Net loans and leases to deposits | 60.6668% | 6,837 |
| Net loans and leases to core deposits | 76.9645% | 6,610 |
| Total domestic deposits to total assets | 93.9005% | 41 |
| Equity capital to assets | 5.9247% | 8,009 |
| Core capital (leverage) ratio | 1.6327% | 8,225 |
| Tier 1 risk-based capital ratio | 2.4177% | 8,224 |
| Total risk-based capital ratio | 3.8377% | 8,222 |
| Memoranda: | ||
| Average total assets | $202,259,500 | 3,215 |
| Average earning assets | $170,318,500 | 3,417 |
| Average equity | $12,266,500 | 4,763 |
| Average total loans | $133,597,500 | 3,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7066% | 6,753 |
| Cost of funding earning assets | 0.9707% | 8,070 |
| Net interest margin | 4.7359% | 896 |
| Noninterest income to average assets | 0.2094% | 6,944 |
| Noninterest expense to average assets | 2.7697% | 4,949 |
| Loan and lease loss provision to assets | 14.7845% | 6 |
| Net operating income to assets | -7.5762% | 8,211 |
| Return on assets (ROA) | -7.5737% | 8,206 |
| Pretax return on assets | -12.9928% | 8,271 |
| Return on Equity (ROE) | -61.0371% | 8,204 |
| Retained earnings to average equity (ytd only) | -66.8924% | 8,219 |
| Net charge-offs to loans | 10.1743% | 13 |
| Credit loss provision to net charge-offs | 228.0047% | 2,082 |
| Earnings coverage of net charge-offs (x) | 0.2757% | 6,065 |
| Efficiency ratio | 60.7735% | 6,206 |
| Assets per employee ($millions) | 3.4997% | 4,658 |
| Cash dividends to net income (ytd only)* | -9.5930% | 7,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7421% | 6 |
| Loan loss allowance to noncurrent loans | 110.5876% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 8.6863% | 244 |
| Noncurrent loans to loans | 13.3307% | 92 |
| Net loans and leases to total assets | 55.5546% | 6,480 |
| Net loans and leases to deposits | 59.3508% | 7,134 |
| Net loans and leases to core deposits | 75.0934% | 6,910 |
| Total domestic deposits to total assets | 93.6039% | 37 |
| Equity capital to assets | 6.1990% | 8,018 |
| Core capital (leverage) ratio | 1.8177% | 8,291 |
| Tier 1 risk-based capital ratio | 3.0189% | 8,287 |
| Total risk-based capital ratio | 4.4695% | 8,284 |
| Memoranda: | ||
| Average total assets | $223,524,600 | 2,835 |
| Average earning assets | $205,218,000 | 2,835 |
| Average equity | $27,735,600 | 2,423 |
| Average total loans | $142,457,400 | 3,051 |