Home > Apollo Bank > Performance and Condition Ratios
Apollo Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 2,005 |
| Cost of funding earning assets | 0.2039% | 3,221 |
| Net interest margin | 3.5091% | 1,641 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.2066% | 2,913 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9812% | 2,541 |
| Return on assets (ROA) | 1.0395% | 2,292 |
| Pretax return on assets | 1.3628% | 1,842 |
| Return on Equity (ROE) | 12.1200% | 1,996 |
| Retained earnings to average equity (ytd only) | 12.1153% | 768 |
| Net charge-offs to loans | 0.0004% | 2,333 |
| Credit loss provision to net charge-offs | 37,400.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 5,453.5000% | 20 |
| Efficiency ratio | 61.2609% | 2,937 |
| Assets per employee ($millions) | 10.0963% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,177 |
| Loan loss allowance to noncurrent loans | 1,399.6337% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,348 |
| Noncurrent loans to loans | 0.0760% | 3,330 |
| Net loans and leases to total assets | 68.9900% | 1,572 |
| Net loans and leases to deposits | 82.1392% | 1,436 |
| Net loans and leases to core deposits | 85.0702% | 1,583 |
| Total domestic deposits to total assets | 83.9900% | 3,512 |
| Equity capital to assets | 8.2466% | 2,718 |
| Core capital (leverage) ratio | 10.0243% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6575% | 2,192 |
| Memoranda: | ||
| Average total assets | $1,050,764,750 | 942 |
| Average earning assets | $980,407,250 | 925 |
| Average equity | $90,154,000 | 1,047 |
| Average total loans | $705,933,250 | 895 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5261% | 2,054 |
| Cost of funding earning assets | 0.1661% | 3,366 |
| Net interest margin | 3.3600% | 1,720 |
| Noninterest income to average assets | 0.3207% | 3,255 |
| Noninterest expense to average assets | 2.1088% | 3,124 |
| Loan and lease loss provision to assets | 0.1225% | 809 |
| Net operating income to assets | 0.9373% | 2,414 |
| Return on assets (ROA) | 1.0241% | 2,040 |
| Pretax return on assets | 1.3432% | 1,603 |
| Return on Equity (ROE) | 11.7872% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.7872% | 641 |
| Net charge-offs to loans | -0.0009% | 3,024 |
| Credit loss provision to net charge-offs | -21,600.0000% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6582% | 3,221 |
| Assets per employee ($millions) | 10.0175% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,491 |
| Loan loss allowance to noncurrent loans | 502.1291% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,732 |
| Noncurrent loans to loans | 0.2042% | 2,694 |
| Net loans and leases to total assets | 68.6062% | 1,429 |
| Net loans and leases to deposits | 78.2850% | 1,519 |
| Net loans and leases to core deposits | 81.6035% | 1,617 |
| Total domestic deposits to total assets | 87.6364% | 2,719 |
| Equity capital to assets | 8.1725% | 2,991 |
| Core capital (leverage) ratio | 9.6116% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1017% | 2,452 |
| Memoranda: | ||
| Average total assets | $1,057,744,667 | 932 |
| Average earning assets | $989,755,667 | 922 |
| Average equity | $91,896,667 | 1,034 |
| Average total loans | $701,886,667 | 880 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 1,933 |
| Cost of funding earning assets | 0.1637% | 3,314 |
| Net interest margin | 3.2923% | 1,585 |
| Noninterest income to average assets | 0.3240% | 3,164 |
| Noninterest expense to average assets | 2.2764% | 2,589 |
| Loan and lease loss provision to assets | 0.1705% | 457 |
| Net operating income to assets | 0.7389% | 2,896 |
| Return on assets (ROA) | 0.9128% | 2,237 |
| Pretax return on assets | 1.1916% | 1,833 |
| Return on Equity (ROE) | 10.2017% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.2017% | 974 |
| Net charge-offs to loans | -0.0029% | 3,180 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3822% | 2,717 |
| Assets per employee ($millions) | 10.6719% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,558 |
| Loan loss allowance to noncurrent loans | 853.7747% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,271 |
| Noncurrent loans to loans | 0.1222% | 3,212 |
| Net loans and leases to total assets | 65.3313% | 1,482 |
| Net loans and leases to deposits | 73.6347% | 1,642 |
| Net loans and leases to core deposits | 76.7560% | 1,727 |
| Total domestic deposits to total assets | 88.7236% | 2,198 |
| Equity capital to assets | 8.5034% | 3,160 |
| Core capital (leverage) ratio | 9.4036% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2110% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,055,689,500 | 935 |
| Average earning assets | $992,262,000 | 923 |
| Average equity | $94,455,000 | 1,034 |
| Average total loans | $684,807,500 | 898 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 3,321 |
| Cost of funding earning assets | 0.2487% | 2,949 |
| Net interest margin | 3.0130% | 3,161 |
| Noninterest income to average assets | 0.2772% | 3,729 |
| Noninterest expense to average assets | 1.9929% | 3,693 |
| Loan and lease loss provision to assets | -0.0106% | 4,176 |
| Net operating income to assets | 0.8925% | 3,072 |
| Return on assets (ROA) | 0.9137% | 3,053 |
| Pretax return on assets | 1.1691% | 2,765 |
| Return on Equity (ROE) | 9.0985% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.0985% | 1,167 |
| Net charge-offs to loans | 0.0019% | 2,575 |
| Credit loss provision to net charge-offs | -909.0909% | 3,897 |
| Earnings coverage of net charge-offs (x) | 972.8182% | 151 |
| Efficiency ratio | 63.4862% | 2,641 |
| Assets per employee ($millions) | 10.4419% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,609 |
| Loan loss allowance to noncurrent loans | 229.9867% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,101 |
| Noncurrent loans to loans | 0.4508% | 2,009 |
| Net loans and leases to total assets | 63.0307% | 1,820 |
| Net loans and leases to deposits | 70.9171% | 2,029 |
| Net loans and leases to core deposits | 75.3727% | 1,969 |
| Total domestic deposits to total assets | 88.8794% | 1,585 |
| Equity capital to assets | 9.4008% | 3,221 |
| Core capital (leverage) ratio | 9.5131% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3114% | 2,525 |
| Memoranda: | ||
| Average total assets | $945,545,200 | 997 |
| Average earning assets | $893,606,800 | 985 |
| Average equity | $94,950,200 | 1,051 |
| Average total loans | $569,814,600 | 1,060 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2814% | 3,438 |
| Cost of funding earning assets | 0.2733% | 2,860 |
| Net interest margin | 3.0081% | 3,281 |
| Noninterest income to average assets | 0.2670% | 3,809 |
| Noninterest expense to average assets | 1.9930% | 3,700 |
| Loan and lease loss provision to assets | -0.0869% | 4,573 |
| Net operating income to assets | 0.9370% | 3,130 |
| Return on assets (ROA) | 0.9659% | 3,115 |
| Pretax return on assets | 1.2404% | 2,801 |
| Return on Equity (ROE) | 9.4474% | 2,951 |
| Retained earnings to average equity (ytd only) | 9.4474% | 1,517 |
| Net charge-offs to loans | 0.0027% | 2,263 |
| Credit loss provision to net charge-offs | -5,454.5455% | 4,142 |
| Earnings coverage of net charge-offs (x) | 701.3636% | 222 |
| Efficiency ratio | 63.7663% | 2,424 |
| Assets per employee ($millions) | 10.0351% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,524 |
| Loan loss allowance to noncurrent loans | 356.0690% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,889 |
| Noncurrent loans to loans | 0.3037% | 2,708 |
| Net loans and leases to total assets | 59.4806% | 2,323 |
| Net loans and leases to deposits | 67.4045% | 2,497 |
| Net loans and leases to core deposits | 71.9538% | 2,427 |
| Total domestic deposits to total assets | 88.2443% | 1,695 |
| Equity capital to assets | 9.9115% | 2,993 |
| Core capital (leverage) ratio | 9.7511% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4443% | 2,187 |
| Memoranda: | ||
| Average total assets | $920,885,250 | 1,037 |
| Average earning assets | $870,349,250 | 1,019 |
| Average equity | $94,147,250 | 1,074 |
| Average total loans | $546,005,250 | 1,113 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2964% | 3,435 |
| Cost of funding earning assets | 0.3004% | 2,773 |
| Net interest margin | 2.9960% | 3,338 |
| Noninterest income to average assets | 0.2658% | 3,808 |
| Noninterest expense to average assets | 2.0075% | 3,675 |
| Loan and lease loss provision to assets | -0.1333% | 4,689 |
| Net operating income to assets | 0.9664% | 3,013 |
| Return on assets (ROA) | 1.0106% | 2,938 |
| Pretax return on assets | 1.2979% | 2,633 |
| Return on Equity (ROE) | 9.7766% | 2,839 |
| Retained earnings to average equity (ytd only) | 9.7766% | 1,474 |
| Net charge-offs to loans | 0.0034% | 2,050 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,016 |
| Earnings coverage of net charge-offs (x) | 554.3333% | 239 |
| Efficiency ratio | 64.0876% | 2,418 |
| Assets per employee ($millions) | 9.4619% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,053 |
| Loan loss allowance to noncurrent loans | 129.7040% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 1,593 |
| Noncurrent loans to loans | 0.9089% | 1,362 |
| Net loans and leases to total assets | 56.6717% | 2,821 |
| Net loans and leases to deposits | 64.3903% | 2,959 |
| Net loans and leases to core deposits | 69.3264% | 2,841 |
| Total domestic deposits to total assets | 88.0128% | 1,813 |
| Equity capital to assets | 10.0894% | 2,774 |
| Core capital (leverage) ratio | 9.9718% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3789% | 1,841 |
| Memoranda: | ||
| Average total assets | $900,035,333 | 1,053 |
| Average earning assets | $856,267,000 | 1,028 |
| Average equity | $93,038,667 | 1,081 |
| Average total loans | $530,891,000 | 1,139 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 3,739 |
| Cost of funding earning assets | 0.3453% | 2,564 |
| Net interest margin | 2.8227% | 3,707 |
| Noninterest income to average assets | 0.2668% | 3,800 |
| Noninterest expense to average assets | 2.0106% | 3,686 |
| Loan and lease loss provision to assets | 0.1368% | 986 |
| Net operating income to assets | 0.6436% | 3,825 |
| Return on assets (ROA) | 0.7202% | 3,729 |
| Pretax return on assets | 0.8995% | 3,599 |
| Return on Equity (ROE) | 6.8783% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.8783% | 2,614 |
| Net charge-offs to loans | 0.0091% | 1,583 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 171.8333% | 444 |
| Efficiency ratio | 67.7743% | 1,961 |
| Assets per employee ($millions) | 9.8259% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,064 |
| Loan loss allowance to noncurrent loans | 79.3689% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 807 |
| Noncurrent loans to loans | 1.7360% | 689 |
| Net loans and leases to total assets | 57.7555% | 2,822 |
| Net loans and leases to deposits | 65.7086% | 2,950 |
| Net loans and leases to core deposits | 70.8913% | 2,792 |
| Total domestic deposits to total assets | 87.8964% | 1,897 |
| Equity capital to assets | 10.1133% | 2,601 |
| Core capital (leverage) ratio | 10.4140% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8293% | 1,627 |
| Memoranda: | ||
| Average total assets | $876,956,000 | 1,065 |
| Average earning assets | $833,964,000 | 1,043 |
| Average equity | $91,825,500 | 1,084 |
| Average total loans | $525,026,000 | 1,148 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 3,681 |
| Cost of funding earning assets | 0.6794% | 1,826 |
| Net interest margin | 2.9782% | 3,938 |
| Noninterest income to average assets | 0.3072% | 3,640 |
| Noninterest expense to average assets | 2.1664% | 3,766 |
| Loan and lease loss provision to assets | 0.1630% | 2,338 |
| Net operating income to assets | 0.6248% | 3,670 |
| Return on assets (ROA) | 0.7048% | 3,551 |
| Pretax return on assets | 0.9051% | 3,355 |
| Return on Equity (ROE) | 7.0701% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.0701% | 1,373 |
| Net charge-offs to loans | 0.0092% | 2,994 |
| Credit loss provision to net charge-offs | 2,708.3333% | 356 |
| Earnings coverage of net charge-offs (x) | 160.6250% | 546 |
| Efficiency ratio | 68.7172% | 2,137 |
| Assets per employee ($millions) | 9.8829% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,210 |
| Loan loss allowance to noncurrent loans | 58.8838% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 539 |
| Noncurrent loans to loans | 2.2852% | 466 |
| Net loans and leases to total assets | 60.4347% | 2,800 |
| Net loans and leases to deposits | 69.4033% | 2,945 |
| Net loans and leases to core deposits | 73.3207% | 2,968 |
| Total domestic deposits to total assets | 87.0775% | 1,903 |
| Equity capital to assets | 10.8514% | 2,381 |
| Core capital (leverage) ratio | 10.3347% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9782% | 1,537 |
| Memoranda: | ||
| Average total assets | $797,401,800 | 1,058 |
| Average earning assets | $756,661,400 | 1,037 |
| Average equity | $79,489,800 | 1,166 |
| Average total loans | $521,644,600 | 1,100 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 3,682 |
| Cost of funding earning assets | 0.7439% | 1,781 |
| Net interest margin | 3.0060% | 3,965 |
| Noninterest income to average assets | 0.3186% | 3,581 |
| Noninterest expense to average assets | 2.1535% | 3,806 |
| Loan and lease loss provision to assets | 0.1700% | 2,296 |
| Net operating income to assets | 0.6433% | 3,649 |
| Return on assets (ROA) | 0.7535% | 3,380 |
| Pretax return on assets | 0.9855% | 3,118 |
| Return on Equity (ROE) | 7.7442% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.7442% | 1,398 |
| Net charge-offs to loans | 0.0123% | 2,670 |
| Credit loss provision to net charge-offs | 2,083.3333% | 460 |
| Earnings coverage of net charge-offs (x) | 124.5208% | 681 |
| Efficiency ratio | 67.4962% | 2,249 |
| Assets per employee ($millions) | 9.3159% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,460 |
| Loan loss allowance to noncurrent loans | 63.0975% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2933% | 735 |
| Noncurrent loans to loans | 1.9612% | 623 |
| Net loans and leases to total assets | 63.8351% | 2,789 |
| Net loans and leases to deposits | 72.1224% | 3,122 |
| Net loans and leases to core deposits | 77.1400% | 3,084 |
| Total domestic deposits to total assets | 88.5093% | 972 |
| Equity capital to assets | 9.4695% | 3,705 |
| Core capital (leverage) ratio | 9.3647% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0383% | 2,183 |
| Memoranda: | ||
| Average total assets | $784,269,500 | 1,059 |
| Average earning assets | $743,821,250 | 1,037 |
| Average equity | $76,305,000 | 1,199 |
| Average total loans | $521,891,000 | 1,091 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 3,690 |
| Cost of funding earning assets | 0.8202% | 1,727 |
| Net interest margin | 3.0539% | 4,003 |
| Noninterest income to average assets | 0.3117% | 3,598 |
| Noninterest expense to average assets | 2.2145% | 3,735 |
| Loan and lease loss provision to assets | 0.1827% | 2,190 |
| Net operating income to assets | 0.6111% | 3,701 |
| Return on assets (ROA) | 0.7397% | 3,367 |
| Pretax return on assets | 0.9726% | 3,105 |
| Return on Equity (ROE) | 7.5297% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.5297% | 1,451 |
| Net charge-offs to loans | 0.0074% | 2,689 |
| Credit loss provision to net charge-offs | 3,684.2105% | 299 |
| Earnings coverage of net charge-offs (x) | 200.1053% | 449 |
| Efficiency ratio | 68.5903% | 2,157 |
| Assets per employee ($millions) | 9.0353% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,396 |
| Loan loss allowance to noncurrent loans | 59.3088% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3343% | 760 |
| Noncurrent loans to loans | 2.0609% | 642 |
| Net loans and leases to total assets | 63.9525% | 2,885 |
| Net loans and leases to deposits | 72.4276% | 3,216 |
| Net loans and leases to core deposits | 78.6327% | 3,059 |
| Total domestic deposits to total assets | 88.2984% | 1,043 |
| Equity capital to assets | 9.4876% | 3,670 |
| Core capital (leverage) ratio | 9.7067% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0894% | 2,141 |
| Memoranda: | ||
| Average total assets | $766,216,333 | 1,065 |
| Average earning assets | $726,414,000 | 1,040 |
| Average equity | $75,275,000 | 1,202 |
| Average total loans | $515,215,333 | 1,092 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 3,125 |
| Cost of funding earning assets | 0.9918% | 1,453 |
| Net interest margin | 3.2366% | 3,759 |
| Noninterest income to average assets | 0.3016% | 3,704 |
| Noninterest expense to average assets | 2.3847% | 3,564 |
| Loan and lease loss provision to assets | 0.0808% | 2,700 |
| Net operating income to assets | 0.6323% | 3,506 |
| Return on assets (ROA) | 0.6323% | 3,566 |
| Pretax return on assets | 0.9064% | 3,121 |
| Return on Equity (ROE) | 6.3172% | 3,198 |
| Retained earnings to average equity (ytd only) | 6.3172% | 1,766 |
| Net charge-offs to loans | 0.0196% | 1,974 |
| Credit loss provision to net charge-offs | 600.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 73.3200% | 704 |
| Efficiency ratio | 70.2603% | 2,311 |
| Assets per employee ($millions) | 8.2238% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,903 |
| Loan loss allowance to noncurrent loans | 148.3847% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,386 |
| Noncurrent loans to loans | 0.7791% | 2,053 |
| Net loans and leases to total assets | 67.9095% | 2,554 |
| Net loans and leases to deposits | 77.6582% | 2,924 |
| Net loans and leases to core deposits | 84.5465% | 2,803 |
| Total domestic deposits to total assets | 87.4466% | 1,361 |
| Equity capital to assets | 10.1876% | 3,614 |
| Core capital (leverage) ratio | 9.7096% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7430% | 1,991 |
| Memoranda: | ||
| Average total assets | $742,737,500 | 1,056 |
| Average earning assets | $704,567,000 | 1,031 |
| Average equity | $74,337,000 | 1,208 |
| Average total loans | $509,583,000 | 1,086 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 2,783 |
| Cost of funding earning assets | 1.0599% | 1,476 |
| Net interest margin | 3.4887% | 3,486 |
| Noninterest income to average assets | 0.3643% | 3,522 |
| Noninterest expense to average assets | 2.5502% | 3,320 |
| Loan and lease loss provision to assets | 0.0827% | 2,355 |
| Net operating income to assets | 0.7861% | 3,597 |
| Return on assets (ROA) | 0.7888% | 3,669 |
| Pretax return on assets | 1.0428% | 3,354 |
| Return on Equity (ROE) | 8.1041% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.8120% | 1,475 |
| Net charge-offs to loans | 0.0025% | 3,603 |
| Credit loss provision to net charge-offs | 4,615.3846% | 95 |
| Earnings coverage of net charge-offs (x) | 625.9231% | 158 |
| Efficiency ratio | 68.9523% | 2,321 |
| Assets per employee ($millions) | 8.2815% | 645 |
| Cash dividends to net income (ytd only)* | 15.9441% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 2,802 |
| Loan loss allowance to noncurrent loans | 130.3648% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,024 |
| Noncurrent loans to loans | 0.8642% | 1,781 |
| Net loans and leases to total assets | 67.7425% | 2,716 |
| Net loans and leases to deposits | 77.1335% | 3,081 |
| Net loans and leases to core deposits | 85.7086% | 2,807 |
| Total domestic deposits to total assets | 87.8250% | 1,215 |
| Equity capital to assets | 9.8307% | 4,077 |
| Core capital (leverage) ratio | 9.4997% | 4,064 |
| Tier 1 risk-based capital ratio | 11.8200% | 4,465 |
| Total risk-based capital ratio | 12.7804% | 4,493 |
| Memoranda: | ||
| Average total assets | $725,157,000 | 1,042 |
| Average earning assets | $687,585,600 | 1,018 |
| Average equity | $70,581,400 | 1,216 |
| Average total loans | $520,511,400 | 1,038 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 2,813 |
| Cost of funding earning assets | 1.0526% | 1,525 |
| Net interest margin | 3.5214% | 3,498 |
| Noninterest income to average assets | 0.3757% | 3,466 |
| Noninterest expense to average assets | 2.2820% | 3,998 |
| Loan and lease loss provision to assets | 0.0833% | 2,242 |
| Net operating income to assets | 1.0088% | 2,951 |
| Return on assets (ROA) | 1.0115% | 3,020 |
| Pretax return on assets | 1.3523% | 2,484 |
| Return on Equity (ROE) | 10.4190% | 2,245 |
| Retained earnings to average equity (ytd only) | 8.6796% | 1,139 |
| Net charge-offs to loans | 0.0015% | 3,396 |
| Credit loss provision to net charge-offs | 7,500.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 1,289.3013% | 63 |
| Efficiency ratio | 60.9292% | 3,488 |
| Assets per employee ($millions) | 8.3907% | 599 |
| Cash dividends to net income (ytd only)* | 16.6941% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,403 |
| Loan loss allowance to noncurrent loans | 103.0871% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 1,879 |
| Noncurrent loans to loans | 0.9988% | 1,598 |
| Net loans and leases to total assets | 72.2136% | 2,147 |
| Net loans and leases to deposits | 82.1619% | 2,665 |
| Net loans and leases to core deposits | 93.4628% | 2,227 |
| Total domestic deposits to total assets | 87.8918% | 1,080 |
| Equity capital to assets | 9.7752% | 4,234 |
| Core capital (leverage) ratio | 9.6822% | 3,992 |
| Tier 1 risk-based capital ratio | 12.8965% | 3,907 |
| Total risk-based capital ratio | 13.9216% | 3,917 |
| Memoranda: | ||
| Average total assets | $720,113,500 | 1,050 |
| Average earning assets | $682,740,000 | 1,026 |
| Average equity | $69,909,000 | 1,222 |
| Average total loans | $522,974,500 | 1,029 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 2,840 |
| Cost of funding earning assets | 1.0140% | 1,627 |
| Net interest margin | 3.5374% | 3,480 |
| Noninterest income to average assets | 0.3847% | 3,368 |
| Noninterest expense to average assets | 2.3008% | 4,001 |
| Loan and lease loss provision to assets | 0.0844% | 2,159 |
| Net operating income to assets | 1.0072% | 2,892 |
| Return on assets (ROA) | 1.0112% | 2,950 |
| Pretax return on assets | 1.3548% | 2,369 |
| Return on Equity (ROE) | 10.4414% | 2,201 |
| Retained earnings to average equity (ytd only) | 7.7933% | 1,474 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0751% | 3,572 |
| Assets per employee ($millions) | 8.1917% | 623 |
| Cash dividends to net income (ytd only)* | 25.3615% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,399 |
| Loan loss allowance to noncurrent loans | 106.3838% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 1,945 |
| Noncurrent loans to loans | 0.9761% | 1,677 |
| Net loans and leases to total assets | 71.4466% | 2,297 |
| Net loans and leases to deposits | 81.4088% | 2,798 |
| Net loans and leases to core deposits | 94.6230% | 2,189 |
| Total domestic deposits to total assets | 87.7628% | 1,215 |
| Equity capital to assets | 9.7678% | 4,173 |
| Core capital (leverage) ratio | 9.8456% | 3,764 |
| Tier 1 risk-based capital ratio | 12.7379% | 3,988 |
| Total risk-based capital ratio | 13.7503% | 4,015 |
| Memoranda: | ||
| Average total assets | $711,228,670 | 1,060 |
| Average earning assets | $673,602,670 | 1,038 |
| Average equity | $68,879,330 | 1,222 |
| Average total loans | $515,673,330 | 1,043 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,609 |
| Cost of funding earning assets | 0.9602% | 1,747 |
| Net interest margin | 3.6189% | 3,185 |
| Noninterest income to average assets | 0.3622% | 3,430 |
| Noninterest expense to average assets | 2.2964% | 4,030 |
| Loan and lease loss provision to assets | 0.0854% | 1,993 |
| Net operating income to assets | 1.0548% | 2,644 |
| Return on assets (ROA) | 1.0548% | 2,687 |
| Pretax return on assets | 1.3999% | 2,085 |
| Return on Equity (ROE) | 10.9404% | 1,971 |
| Retained earnings to average equity (ytd only) | 5.5529% | 2,669 |
| Net charge-offs to loans | 0.0008% | 2,732 |
| Credit loss provision to net charge-offs | 15,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,608.0000% | 8 |
| Efficiency ratio | 60.1958% | 3,777 |
| Assets per employee ($millions) | 7.9034% | 694 |
| Cash dividends to net income (ytd only)* | 49.2441% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,372 |
| Loan loss allowance to noncurrent loans | 117.9538% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,165 |
| Noncurrent loans to loans | 0.8960% | 1,862 |
| Net loans and leases to total assets | 70.7389% | 2,374 |
| Net loans and leases to deposits | 82.6420% | 2,545 |
| Net loans and leases to core deposits | 93.5535% | 2,167 |
| Total domestic deposits to total assets | 85.5968% | 2,447 |
| Equity capital to assets | 9.7166% | 4,074 |
| Core capital (leverage) ratio | 9.7017% | 3,917 |
| Tier 1 risk-based capital ratio | 12.1044% | 4,407 |
| Total risk-based capital ratio | 13.0644% | 4,461 |
| Memoranda: | ||
| Average total assets | $702,312,000 | 1,077 |
| Average earning assets | $663,624,000 | 1,057 |
| Average equity | $67,712,500 | 1,235 |
| Average total loans | $510,332,000 | 1,056 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 2,093 |
| Cost of funding earning assets | 0.7016% | 2,082 |
| Net interest margin | 3.9153% | 2,282 |
| Noninterest income to average assets | 0.4086% | 3,389 |
| Noninterest expense to average assets | 2.5082% | 3,591 |
| Loan and lease loss provision to assets | 0.1251% | 1,759 |
| Net operating income to assets | 1.3301% | 1,685 |
| Return on assets (ROA) | 1.3500% | 1,603 |
| Pretax return on assets | 1.4616% | 1,907 |
| Return on Equity (ROE) | 14.3131% | 976 |
| Retained earnings to average equity (ytd only) | 14.3131% | 149 |
| Net charge-offs to loans | 0.0035% | 3,607 |
| Credit loss provision to net charge-offs | 4,852.9412% | 101 |
| Earnings coverage of net charge-offs (x) | 607.0000% | 175 |
| Efficiency ratio | 60.9808% | 3,691 |
| Assets per employee ($millions) | 7.7913% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,713 |
| Loan loss allowance to noncurrent loans | 147.0957% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 2,579 |
| Noncurrent loans to loans | 0.6783% | 2,301 |
| Net loans and leases to total assets | 73.1016% | 2,079 |
| Net loans and leases to deposits | 88.0419% | 2,036 |
| Net loans and leases to core deposits | 99.5334% | 1,752 |
| Total domestic deposits to total assets | 83.0304% | 3,318 |
| Equity capital to assets | 9.5659% | 4,072 |
| Core capital (leverage) ratio | 9.5852% | 4,018 |
| Tier 1 risk-based capital ratio | 12.0675% | 4,385 |
| Total risk-based capital ratio | 13.0194% | 4,460 |
| Memoranda: | ||
| Average total assets | $659,324,000 | 1,102 |
| Average earning assets | $617,125,200 | 1,089 |
| Average equity | $62,188,000 | 1,280 |
| Average total loans | $480,818,400 | 1,086 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 2,075 |
| Cost of funding earning assets | 0.6265% | 2,292 |
| Net interest margin | 3.9439% | 2,149 |
| Noninterest income to average assets | 0.4293% | 3,291 |
| Noninterest expense to average assets | 2.5223% | 3,525 |
| Loan and lease loss provision to assets | 0.1387% | 1,442 |
| Net operating income to assets | 1.1127% | 2,611 |
| Return on assets (ROA) | 1.1359% | 2,523 |
| Pretax return on assets | 1.4803% | 1,966 |
| Return on Equity (ROE) | 12.0896% | 1,762 |
| Retained earnings to average equity (ytd only) | 12.0896% | 469 |
| Net charge-offs to loans | 0.0045% | 3,284 |
| Credit loss provision to net charge-offs | 4,218.7500% | 95 |
| Earnings coverage of net charge-offs (x) | 483.5635% | 193 |
| Efficiency ratio | 60.7166% | 3,703 |
| Assets per employee ($millions) | 7.5169% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,675 |
| Loan loss allowance to noncurrent loans | 146.8247% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 2,073 |
| Noncurrent loans to loans | 0.6903% | 2,352 |
| Net loans and leases to total assets | 71.6289% | 2,385 |
| Net loans and leases to deposits | 83.2470% | 2,683 |
| Net loans and leases to core deposits | 90.9061% | 2,570 |
| Total domestic deposits to total assets | 86.0438% | 2,166 |
| Equity capital to assets | 9.1936% | 4,373 |
| Core capital (leverage) ratio | 9.3836% | 4,299 |
| Tier 1 risk-based capital ratio | 11.9485% | 4,528 |
| Total risk-based capital ratio | 12.9166% | 4,586 |
| Memoranda: | ||
| Average total assets | $648,850,000 | 1,121 |
| Average earning assets | $605,876,750 | 1,106 |
| Average equity | $60,965,500 | 1,299 |
| Average total loans | $471,580,750 | 1,104 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 1,918 |
| Cost of funding earning assets | 0.5549% | 2,571 |
| Net interest margin | 4.0011% | 1,857 |
| Noninterest income to average assets | 0.4545% | 3,122 |
| Noninterest expense to average assets | 2.5779% | 3,386 |
| Loan and lease loss provision to assets | 0.1413% | 1,383 |
| Net operating income to assets | 1.1176% | 2,526 |
| Return on assets (ROA) | 1.1533% | 2,382 |
| Pretax return on assets | 1.5021% | 1,809 |
| Return on Equity (ROE) | 12.1808% | 1,660 |
| Retained earnings to average equity (ytd only) | 12.1808% | 492 |
| Net charge-offs to loans | 0.0069% | 2,887 |
| Credit loss provision to net charge-offs | 2,812.5000% | 154 |
| Earnings coverage of net charge-offs (x) | 318.1875% | 289 |
| Efficiency ratio | 61.0840% | 3,752 |
| Assets per employee ($millions) | 7.3818% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,869 |
| Loan loss allowance to noncurrent loans | 200.2507% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 2,481 |
| Noncurrent loans to loans | 0.4973% | 2,937 |
| Net loans and leases to total assets | 72.5170% | 2,194 |
| Net loans and leases to deposits | 84.8028% | 2,443 |
| Net loans and leases to core deposits | 89.9989% | 2,568 |
| Total domestic deposits to total assets | 85.5125% | 2,489 |
| Equity capital to assets | 9.3680% | 4,220 |
| Core capital (leverage) ratio | 9.3743% | 4,277 |
| Tier 1 risk-based capital ratio | 11.6556% | 4,714 |
| Total risk-based capital ratio | 12.5835% | 4,778 |
| Memoranda: | ||
| Average total assets | $637,119,330 | 1,143 |
| Average earning assets | $592,586,000 | 1,132 |
| Average equity | $60,324,670 | 1,315 |
| Average total loans | $463,778,000 | 1,126 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 2,160 |
| Cost of funding earning assets | 0.5270% | 2,572 |
| Net interest margin | 3.8846% | 2,108 |
| Noninterest income to average assets | 0.4783% | 2,951 |
| Noninterest expense to average assets | 2.7111% | 3,006 |
| Loan and lease loss provision to assets | 0.1435% | 1,312 |
| Net operating income to assets | 0.9621% | 3,024 |
| Return on assets (ROA) | 0.9924% | 2,902 |
| Pretax return on assets | 1.2864% | 2,421 |
| Return on Equity (ROE) | 10.4230% | 2,218 |
| Retained earnings to average equity (ytd only) | 10.4230% | 1,038 |
| Net charge-offs to loans | 0.0123% | 2,314 |
| Credit loss provision to net charge-offs | 1,607.1429% | 223 |
| Earnings coverage of net charge-offs (x) | 155.8571% | 420 |
| Efficiency ratio | 65.4127% | 3,262 |
| Assets per employee ($millions) | 6.8510% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,963 |
| Loan loss allowance to noncurrent loans | 55.2813% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.3113% | 1,131 |
| Noncurrent loans to loans | 1.8080% | 921 |
| Net loans and leases to total assets | 71.8028% | 2,199 |
| Net loans and leases to deposits | 85.3654% | 2,251 |
| Net loans and leases to core deposits | 90.7321% | 2,394 |
| Total domestic deposits to total assets | 84.1123% | 3,279 |
| Equity capital to assets | 9.4937% | 4,096 |
| Core capital (leverage) ratio | 9.3613% | 4,242 |
| Tier 1 risk-based capital ratio | 11.5590% | 4,833 |
| Total risk-based capital ratio | 12.4653% | 4,920 |
| Memoranda: | ||
| Average total assets | $627,189,000 | 1,168 |
| Average earning assets | $585,188,500 | 1,156 |
| Average equity | $59,714,000 | 1,336 |
| Average total loans | $455,060,000 | 1,143 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,223 |
| Cost of funding earning assets | 0.4094% | 3,168 |
| Net interest margin | 3.9253% | 2,007 |
| Noninterest income to average assets | 0.4298% | 3,441 |
| Noninterest expense to average assets | 2.8438% | 2,631 |
| Loan and lease loss provision to assets | 0.1396% | 1,637 |
| Net operating income to assets | 0.5638% | 4,173 |
| Return on assets (ROA) | 0.5694% | 4,182 |
| Pretax return on assets | 1.0498% | 3,382 |
| Return on Equity (ROE) | 5.7890% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.7890% | 1,663 |
| Net charge-offs to loans | -0.0206% | 4,966 |
| Credit loss provision to net charge-offs | -948.2759% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8381% | 2,588 |
| Assets per employee ($millions) | 6.4349% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,156 |
| Loan loss allowance to noncurrent loans | 69.9070% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 1,546 |
| Noncurrent loans to loans | 1.3762% | 1,254 |
| Net loans and leases to total assets | 71.8734% | 2,257 |
| Net loans and leases to deposits | 86.5739% | 2,185 |
| Net loans and leases to core deposits | 92.0251% | 2,378 |
| Total domestic deposits to total assets | 83.0197% | 3,555 |
| Equity capital to assets | 9.5239% | 4,216 |
| Core capital (leverage) ratio | 9.2124% | 4,381 |
| Tier 1 risk-based capital ratio | 11.4728% | 4,868 |
| Total risk-based capital ratio | 12.3519% | 4,969 |
| Memoranda: | ||
| Average total assets | $590,763,400 | 1,213 |
| Average earning assets | $540,997,200 | 1,225 |
| Average equity | $58,109,800 | 1,352 |
| Average total loans | $423,330,000 | 1,177 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,261 |
| Cost of funding earning assets | 0.3796% | 3,378 |
| Net interest margin | 3.9193% | 1,971 |
| Noninterest income to average assets | 0.4398% | 3,405 |
| Noninterest expense to average assets | 2.8573% | 2,543 |
| Loan and lease loss provision to assets | 0.1545% | 1,339 |
| Net operating income to assets | 0.6720% | 4,113 |
| Return on assets (ROA) | 0.6813% | 4,130 |
| Pretax return on assets | 1.0084% | 3,654 |
| Return on Equity (ROE) | 6.8678% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.8678% | 1,760 |
| Net charge-offs to loans | 0.0019% | 3,702 |
| Credit loss provision to net charge-offs | 11,250.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 836.6463% | 121 |
| Efficiency ratio | 70.4417% | 2,463 |
| Assets per employee ($millions) | 6.4929% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,457 |
| Loan loss allowance to noncurrent loans | 93.0154% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 2,336 |
| Noncurrent loans to loans | 0.9913% | 1,952 |
| Net loans and leases to total assets | 72.4492% | 2,192 |
| Net loans and leases to deposits | 88.0863% | 2,050 |
| Net loans and leases to core deposits | 93.6312% | 2,299 |
| Total domestic deposits to total assets | 82.2480% | 3,701 |
| Equity capital to assets | 9.7563% | 4,183 |
| Core capital (leverage) ratio | 9.6319% | 4,007 |
| Tier 1 risk-based capital ratio | 11.2803% | 5,092 |
| Total risk-based capital ratio | 12.1098% | 5,219 |
| Memoranda: | ||
| Average total assets | $582,407,000 | 1,238 |
| Average earning assets | $530,017,000 | 1,250 |
| Average equity | $57,775,500 | 1,374 |
| Average total loans | $415,916,500 | 1,204 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,173 |
| Cost of funding earning assets | 0.3589% | 3,493 |
| Net interest margin | 3.9300% | 1,841 |
| Noninterest income to average assets | 0.4449% | 3,387 |
| Noninterest expense to average assets | 2.9004% | 2,426 |
| Loan and lease loss provision to assets | 0.1570% | 1,275 |
| Net operating income to assets | 0.6308% | 4,159 |
| Return on assets (ROA) | 0.6327% | 4,202 |
| Pretax return on assets | 0.9328% | 3,817 |
| Return on Equity (ROE) | 6.3408% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.3408% | 1,942 |
| Net charge-offs to loans | 0.0044% | 3,329 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 346.1111% | 245 |
| Efficiency ratio | 71.8099% | 2,379 |
| Assets per employee ($millions) | 5.9675% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,487 |
| Loan loss allowance to noncurrent loans | 108.2428% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 2,653 |
| Noncurrent loans to loans | 0.8650% | 2,249 |
| Net loans and leases to total assets | 71.0469% | 2,366 |
| Net loans and leases to deposits | 83.0553% | 2,595 |
| Net loans and leases to core deposits | 89.2957% | 2,589 |
| Total domestic deposits to total assets | 85.5417% | 2,593 |
| Equity capital to assets | 10.0990% | 3,796 |
| Core capital (leverage) ratio | 9.5894% | 4,026 |
| Tier 1 risk-based capital ratio | 11.8363% | 4,736 |
| Total risk-based capital ratio | 12.6784% | 4,902 |
| Memoranda: | ||
| Average total assets | $573,099,000 | 1,262 |
| Average earning assets | $516,584,000 | 1,285 |
| Average equity | $57,185,330 | 1,384 |
| Average total loans | $405,790,330 | 1,233 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 1,955 |
| Cost of funding earning assets | 0.3587% | 3,438 |
| Net interest margin | 3.9383% | 1,646 |
| Noninterest income to average assets | 0.4217% | 3,511 |
| Noninterest expense to average assets | 2.9021% | 2,451 |
| Loan and lease loss provision to assets | 0.1576% | 1,147 |
| Net operating income to assets | 0.5717% | 4,271 |
| Return on assets (ROA) | 0.5765% | 4,297 |
| Pretax return on assets | 0.8532% | 3,929 |
| Return on Equity (ROE) | 5.7392% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.7392% | 2,476 |
| Net charge-offs to loans | 0.0010% | 2,927 |
| Credit loss provision to net charge-offs | 22,500.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,433.0000% | 24 |
| Efficiency ratio | 73.3501% | 2,349 |
| Assets per employee ($millions) | 6.1662% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,742 |
| Loan loss allowance to noncurrent loans | 164.4265% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,574 |
| Noncurrent loans to loans | 0.5502% | 3,164 |
| Net loans and leases to total assets | 70.1065% | 2,362 |
| Net loans and leases to deposits | 82.0726% | 2,501 |
| Net loans and leases to core deposits | 88.6752% | 2,479 |
| Total domestic deposits to total assets | 85.4201% | 2,913 |
| Equity capital to assets | 10.0910% | 3,644 |
| Core capital (leverage) ratio | 9.9808% | 3,521 |
| Tier 1 risk-based capital ratio | 13.1152% | 4,019 |
| Total risk-based capital ratio | 14.0041% | 4,125 |
| Memoranda: | ||
| Average total assets | $571,035,000 | 1,262 |
| Average earning assets | $505,197,500 | 1,304 |
| Average equity | $57,360,000 | 1,374 |
| Average total loans | $401,115,000 | 1,241 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 1,535 |
| Cost of funding earning assets | 0.3575% | 3,437 |
| Net interest margin | 4.1424% | 1,267 |
| Noninterest income to average assets | 0.4404% | 3,614 |
| Noninterest expense to average assets | 2.9446% | 2,515 |
| Loan and lease loss provision to assets | 0.1319% | 1,889 |
| Net operating income to assets | 1.0368% | 2,204 |
| Return on assets (ROA) | 1.0521% | 2,231 |
| Pretax return on assets | 1.0859% | 3,155 |
| Return on Equity (ROE) | 10.5573% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.5573% | 352 |
| Net charge-offs to loans | 0.0064% | 4,034 |
| Credit loss provision to net charge-offs | 2,880.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 262.4800% | 273 |
| Efficiency ratio | 69.9461% | 2,909 |
| Assets per employee ($millions) | 6.1141% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,904 |
| Loan loss allowance to noncurrent loans | 140.5957% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 3,544 |
| Noncurrent loans to loans | 0.6181% | 2,996 |
| Net loans and leases to total assets | 69.1302% | 2,605 |
| Net loans and leases to deposits | 82.7851% | 2,575 |
| Net loans and leases to core deposits | 88.1538% | 2,652 |
| Total domestic deposits to total assets | 83.5056% | 3,598 |
| Equity capital to assets | 9.9984% | 3,729 |
| Core capital (leverage) ratio | 9.6717% | 3,891 |
| Tier 1 risk-based capital ratio | 13.3857% | 3,840 |
| Total risk-based capital ratio | 14.2576% | 3,975 |
| Memoranda: | ||
| Average total assets | $545,886,400 | 1,270 |
| Average earning assets | $488,415,000 | 1,296 |
| Average equity | $54,398,400 | 1,414 |
| Average total loans | $392,391,200 | 1,215 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 1,775 |
| Cost of funding earning assets | 0.3510% | 3,526 |
| Net interest margin | 4.0740% | 1,467 |
| Noninterest income to average assets | 0.4448% | 3,596 |
| Noninterest expense to average assets | 2.9225% | 2,567 |
| Loan and lease loss provision to assets | 0.1333% | 1,759 |
| Net operating income to assets | 0.7143% | 3,768 |
| Return on assets (ROA) | 0.7279% | 3,835 |
| Pretax return on assets | 1.0699% | 3,352 |
| Return on Equity (ROE) | 7.3104% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.3104% | 1,479 |
| Net charge-offs to loans | 0.0075% | 3,656 |
| Credit loss provision to net charge-offs | 2,454.5455% | 208 |
| Earnings coverage of net charge-offs (x) | 217.9284% | 351 |
| Efficiency ratio | 70.0511% | 2,876 |
| Assets per employee ($millions) | 5.9808% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 5,245 |
| Loan loss allowance to noncurrent loans | 133.0619% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 3,656 |
| Noncurrent loans to loans | 0.5869% | 3,246 |
| Net loans and leases to total assets | 74.6455% | 1,767 |
| Net loans and leases to deposits | 86.7814% | 2,172 |
| Net loans and leases to core deposits | 92.2893% | 2,349 |
| Total domestic deposits to total assets | 86.0155% | 2,339 |
| Equity capital to assets | 9.9393% | 4,192 |
| Core capital (leverage) ratio | 9.8018% | 3,807 |
| Tier 1 risk-based capital ratio | 11.9881% | 4,795 |
| Total risk-based capital ratio | 12.7418% | 5,003 |
| Memoranda: | ||
| Average total assets | $540,205,250 | 1,283 |
| Average earning assets | $485,436,750 | 1,310 |
| Average equity | $53,785,000 | 1,432 |
| Average total loans | $391,357,000 | 1,220 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 2,196 |
| Cost of funding earning assets | 0.3515% | 3,549 |
| Net interest margin | 3.9338% | 1,867 |
| Noninterest income to average assets | 0.4633% | 3,440 |
| Noninterest expense to average assets | 2.8553% | 2,825 |
| Loan and lease loss provision to assets | 0.1346% | 1,695 |
| Net operating income to assets | 0.7039% | 3,767 |
| Return on assets (ROA) | 0.7209% | 3,850 |
| Pretax return on assets | 1.0253% | 3,492 |
| Return on Equity (ROE) | 7.2365% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.2365% | 1,495 |
| Net charge-offs to loans | 0.0115% | 3,315 |
| Credit loss provision to net charge-offs | 1,636.3636% | 248 |
| Earnings coverage of net charge-offs (x) | 138.0455% | 432 |
| Efficiency ratio | 70.3270% | 2,928 |
| Assets per employee ($millions) | 5.9689% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 5,347 |
| Loan loss allowance to noncurrent loans | 101.1464% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 3,334 |
| Noncurrent loans to loans | 0.7616% | 2,840 |
| Net loans and leases to total assets | 73.2300% | 1,973 |
| Net loans and leases to deposits | 84.7033% | 2,383 |
| Net loans and leases to core deposits | 89.7425% | 2,557 |
| Total domestic deposits to total assets | 86.4546% | 2,192 |
| Equity capital to assets | 10.0129% | 4,212 |
| Core capital (leverage) ratio | 9.6918% | 3,940 |
| Tier 1 risk-based capital ratio | 11.9696% | 4,843 |
| Total risk-based capital ratio | 12.7022% | 5,073 |
| Memoranda: | ||
| Average total assets | $534,868,330 | 1,299 |
| Average earning assets | $479,634,330 | 1,326 |
| Average equity | $53,285,330 | 1,447 |
| Average total loans | $382,323,330 | 1,239 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,187 |
| Cost of funding earning assets | 0.3533% | 3,567 |
| Net interest margin | 3.9312% | 1,840 |
| Noninterest income to average assets | 0.4711% | 3,336 |
| Noninterest expense to average assets | 2.9032% | 2,696 |
| Loan and lease loss provision to assets | 0.1357% | 1,546 |
| Net operating income to assets | 0.7334% | 3,569 |
| Return on assets (ROA) | 0.7537% | 3,576 |
| Pretax return on assets | 0.9813% | 3,547 |
| Return on Equity (ROE) | 7.5852% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.5852% | 1,628 |
| Net charge-offs to loans | 0.0043% | 2,973 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 361.7500% | 162 |
| Efficiency ratio | 71.4663% | 2,876 |
| Assets per employee ($millions) | 6.1524% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 5,513 |
| Loan loss allowance to noncurrent loans | 104.0911% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 3,547 |
| Noncurrent loans to loans | 0.7120% | 3,060 |
| Net loans and leases to total assets | 71.5648% | 2,105 |
| Net loans and leases to deposits | 80.1394% | 2,775 |
| Net loans and leases to core deposits | 85.0829% | 2,837 |
| Total domestic deposits to total assets | 89.3004% | 949 |
| Equity capital to assets | 9.7368% | 4,413 |
| Core capital (leverage) ratio | 9.7578% | 3,835 |
| Tier 1 risk-based capital ratio | 12.1031% | 4,853 |
| Total risk-based capital ratio | 12.8273% | 5,088 |
| Memoranda: | ||
| Average total assets | $530,719,000 | 1,312 |
| Average earning assets | $475,574,500 | 1,333 |
| Average equity | $52,734,500 | 1,458 |
| Average total loans | $373,060,500 | 1,264 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 2,117 |
| Cost of funding earning assets | 0.3201% | 4,029 |
| Net interest margin | 4.0104% | 1,682 |
| Noninterest income to average assets | 0.5175% | 3,210 |
| Noninterest expense to average assets | 3.2648% | 1,799 |
| Loan and lease loss provision to assets | 0.0363% | 3,623 |
| Net operating income to assets | 0.5126% | 4,644 |
| Return on assets (ROA) | 0.5605% | 4,551 |
| Pretax return on assets | 0.9027% | 3,826 |
| Return on Equity (ROE) | 5.4281% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.4281% | 2,118 |
| Net charge-offs to loans | 0.0482% | 3,241 |
| Credit loss provision to net charge-offs | 110.4294% | 2,286 |
| Earnings coverage of net charge-offs (x) | 26.3190% | 1,591 |
| Efficiency ratio | 77.6249% | 2,025 |
| Assets per employee ($millions) | 5.0879% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 5,453 |
| Loan loss allowance to noncurrent loans | 151.3201% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 4,170 |
| Noncurrent loans to loans | 0.5175% | 3,622 |
| Net loans and leases to total assets | 67.8339% | 2,724 |
| Net loans and leases to deposits | 79.8630% | 2,833 |
| Net loans and leases to core deposits | 85.3201% | 2,845 |
| Total domestic deposits to total assets | 84.9378% | 3,121 |
| Equity capital to assets | 10.1491% | 3,807 |
| Core capital (leverage) ratio | 9.7990% | 3,777 |
| Tier 1 risk-based capital ratio | 12.3504% | 4,729 |
| Total risk-based capital ratio | 13.0619% | 4,981 |
| Memoranda: | ||
| Average total assets | $496,380,800 | 1,357 |
| Average earning assets | $447,012,600 | 1,385 |
| Average equity | $51,251,600 | 1,450 |
| Average total loans | $337,886,200 | 1,324 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 2,114 |
| Cost of funding earning assets | 0.3144% | 4,173 |
| Net interest margin | 4.0236% | 1,627 |
| Noninterest income to average assets | 0.5230% | 3,209 |
| Noninterest expense to average assets | 3.2828% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5421% | 4,621 |
| Return on assets (ROA) | 0.6046% | 4,467 |
| Pretax return on assets | 0.9693% | 3,745 |
| Return on Equity (ROE) | 5.8296% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.8296% | 2,347 |
| Net charge-offs to loans | 0.0650% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.7360% | 1,918 |
| Efficiency ratio | 77.5096% | 2,018 |
| Assets per employee ($millions) | 5.2680% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 5,731 |
| Loan loss allowance to noncurrent loans | 130.8592% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 4,222 |
| Noncurrent loans to loans | 0.5337% | 3,742 |
| Net loans and leases to total assets | 71.6263% | 2,117 |
| Net loans and leases to deposits | 82.8539% | 2,545 |
| Net loans and leases to core deposits | 90.2179% | 2,443 |
| Total domestic deposits to total assets | 86.4490% | 2,308 |
| Equity capital to assets | 10.1770% | 3,963 |
| Core capital (leverage) ratio | 10.0339% | 3,575 |
| Tier 1 risk-based capital ratio | 12.2752% | 4,905 |
| Total risk-based capital ratio | 12.9172% | 5,210 |
| Memoranda: | ||
| Average total assets | $492,006,750 | 1,372 |
| Average earning assets | $444,070,250 | 1,402 |
| Average equity | $51,026,000 | 1,461 |
| Average total loans | $334,524,250 | 1,343 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,204 |
| Cost of funding earning assets | 0.3091% | 4,292 |
| Net interest margin | 3.9803% | 1,699 |
| Noninterest income to average assets | 0.5530% | 3,021 |
| Noninterest expense to average assets | 3.2734% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5453% | 4,577 |
| Return on assets (ROA) | 0.5703% | 4,576 |
| Pretax return on assets | 0.9146% | 3,900 |
| Return on Equity (ROE) | 5.4635% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.4635% | 2,558 |
| Net charge-offs to loans | 0.0972% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.5414% | 2,124 |
| Efficiency ratio | 77.3102% | 2,159 |
| Assets per employee ($millions) | 5.0728% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7905% | 5,623 |
| Loan loss allowance to noncurrent loans | 211.6489% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 4,904 |
| Noncurrent loans to loans | 0.3735% | 4,373 |
| Net loans and leases to total assets | 64.4745% | 3,198 |
| Net loans and leases to deposits | 73.2341% | 3,587 |
| Net loans and leases to core deposits | 80.6883% | 3,308 |
| Total domestic deposits to total assets | 88.0389% | 1,638 |
| Equity capital to assets | 10.1937% | 3,812 |
| Core capital (leverage) ratio | 10.0869% | 3,483 |
| Tier 1 risk-based capital ratio | 13.2620% | 4,369 |
| Total risk-based capital ratio | 13.9696% | 4,592 |
| Memoranda: | ||
| Average total assets | $485,677,330 | 1,401 |
| Average earning assets | $438,762,330 | 1,431 |
| Average equity | $50,700,000 | 1,473 |
| Average total loans | $323,172,000 | 1,388 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,493 |
| Cost of funding earning assets | 0.3024% | 4,414 |
| Net interest margin | 4.1876% | 1,089 |
| Noninterest income to average assets | 0.3687% | 4,265 |
| Noninterest expense to average assets | 3.2802% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5648% | 4,428 |
| Return on assets (ROA) | 0.5739% | 4,495 |
| Pretax return on assets | 0.9200% | 3,813 |
| Return on Equity (ROE) | 5.4308% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.4308% | 2,816 |
| Net charge-offs to loans | 0.0634% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.1961% | 1,386 |
| Efficiency ratio | 76.7614% | 2,382 |
| Assets per employee ($millions) | 5.1152% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 5,596 |
| Loan loss allowance to noncurrent loans | 93.3936% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 2,153 |
| Noncurrent loans to loans | 0.9001% | 2,985 |
| Net loans and leases to total assets | 64.5233% | 3,024 |
| Net loans and leases to deposits | 73.0088% | 3,428 |
| Net loans and leases to core deposits | 81.9617% | 2,968 |
| Total domestic deposits to total assets | 88.3775% | 1,608 |
| Equity capital to assets | 10.3537% | 3,713 |
| Core capital (leverage) ratio | 10.3674% | 3,141 |
| Tier 1 risk-based capital ratio | 13.7123% | 4,209 |
| Total risk-based capital ratio | 14.4845% | 4,391 |
| Memoranda: | ||
| Average total assets | $477,410,500 | 1,436 |
| Average earning assets | $435,193,500 | 1,444 |
| Average equity | $50,453,000 | 1,488 |
| Average total loans | $321,569,000 | 1,392 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,939 |
| Cost of funding earning assets | 0.3308% | 4,482 |
| Net interest margin | 3.8749% | 2,337 |
| Noninterest income to average assets | 0.3507% | 4,600 |
| Noninterest expense to average assets | 3.8319% | 941 |
| Loan and lease loss provision to assets | 0.1555% | 1,688 |
| Net operating income to assets | -0.0091% | 6,099 |
| Return on assets (ROA) | 0.0127% | 6,098 |
| Pretax return on assets | 0.0203% | 6,073 |
| Return on Equity (ROE) | 0.1183% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.1183% | 5,720 |
| Net charge-offs to loans | -0.0471% | 5,914 |
| Credit loss provision to net charge-offs | -484.2105% | 5,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5415% | 519 |
| Assets per employee ($millions) | 4.7810% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 5,644 |
| Loan loss allowance to noncurrent loans | 215.0039% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 2,819 |
| Noncurrent loans to loans | 0.3934% | 4,465 |
| Net loans and leases to total assets | 69.1880% | 2,365 |
| Net loans and leases to deposits | 78.7642% | 2,871 |
| Net loans and leases to core deposits | 87.9179% | 2,508 |
| Total domestic deposits to total assets | 87.8419% | 1,853 |
| Equity capital to assets | 10.7951% | 3,123 |
| Core capital (leverage) ratio | 10.0487% | 3,504 |
| Tier 1 risk-based capital ratio | 13.0378% | 4,707 |
| Total risk-based capital ratio | 13.8099% | 4,917 |
| Memoranda: | ||
| Average total assets | $355,049,600 | 1,838 |
| Average earning assets | $331,954,000 | 1,808 |
| Average equity | $38,044,600 | 1,857 |
| Average total loans | $242,088,200 | 1,744 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 3,414 |
| Cost of funding earning assets | 0.3246% | 4,620 |
| Net interest margin | 3.7671% | 2,748 |
| Noninterest income to average assets | 0.3066% | 4,988 |
| Noninterest expense to average assets | 4.2873% | 562 |
| Loan and lease loss provision to assets | 0.1610% | 1,545 |
| Net operating income to assets | -0.3880% | 6,338 |
| Return on assets (ROA) | -0.3591% | 6,330 |
| Pretax return on assets | -0.5758% | 6,376 |
| Return on Equity (ROE) | -3.3599% | 6,327 |
| Retained earnings to average equity (ytd only) | -3.3599% | 6,166 |
| Net charge-offs to loans | -0.0024% | 5,200 |
| Credit loss provision to net charge-offs | -9,900.0000% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0166% | 197 |
| Assets per employee ($millions) | 4.4350% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 5,965 |
| Loan loss allowance to noncurrent loans | 41.6203% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 2,455 |
| Noncurrent loans to loans | 1.8285% | 1,754 |
| Net loans and leases to total assets | 67.9021% | 2,552 |
| Net loans and leases to deposits | 77.1543% | 3,055 |
| Net loans and leases to core deposits | 86.3061% | 2,632 |
| Total domestic deposits to total assets | 88.0082% | 1,766 |
| Equity capital to assets | 10.3631% | 3,722 |
| Core capital (leverage) ratio | 9.3581% | 4,561 |
| Tier 1 risk-based capital ratio | 12.4354% | 5,204 |
| Total risk-based capital ratio | 13.1340% | 5,488 |
| Memoranda: | ||
| Average total assets | $327,872,500 | 1,990 |
| Average earning assets | $306,436,250 | 1,969 |
| Average equity | $35,040,000 | 2,002 |
| Average total loans | $221,709,750 | 1,904 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,853 |
| Cost of funding earning assets | 0.3519% | 4,417 |
| Net interest margin | 3.8756% | 2,276 |
| Noninterest income to average assets | 0.3685% | 4,492 |
| Noninterest expense to average assets | 3.4182% | 1,636 |
| Loan and lease loss provision to assets | 0.1721% | 1,428 |
| Net operating income to assets | 0.2495% | 5,715 |
| Return on assets (ROA) | 0.3004% | 5,633 |
| Pretax return on assets | 0.4818% | 5,326 |
| Return on Equity (ROE) | 2.7632% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.7632% | 4,440 |
| Net charge-offs to loans | 0.0512% | 3,238 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 16.6875% | 1,775 |
| Efficiency ratio | 85.6168% | 1,305 |
| Assets per employee ($millions) | 5.3897% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 4,839 |
| Loan loss allowance to noncurrent loans | 73.5696% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0377% | 2,995 |
| Noncurrent loans to loans | 1.5152% | 2,299 |
| Net loans and leases to total assets | 67.7224% | 2,460 |
| Net loans and leases to deposits | 77.2683% | 2,895 |
| Net loans and leases to core deposits | 86.6772% | 2,450 |
| Total domestic deposits to total assets | 87.6459% | 2,114 |
| Equity capital to assets | 10.3399% | 3,635 |
| Core capital (leverage) ratio | 9.9355% | 3,698 |
| Tier 1 risk-based capital ratio | 11.9928% | 5,543 |
| Total risk-based capital ratio | 12.9591% | 5,634 |
| Memoranda: | ||
| Average total assets | $278,980,670 | 2,301 |
| Average earning assets | $260,861,000 | 2,282 |
| Average equity | $30,327,330 | 2,257 |
| Average total loans | $187,380,000 | 2,155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,608 |
| Cost of funding earning assets | 0.3721% | 4,291 |
| Net interest margin | 3.9035% | 2,073 |
| Noninterest income to average assets | 0.3848% | 4,311 |
| Noninterest expense to average assets | 3.3746% | 1,768 |
| Loan and lease loss provision to assets | 0.1228% | 1,959 |
| Net operating income to assets | 0.3428% | 5,341 |
| Return on assets (ROA) | 0.3893% | 5,222 |
| Pretax return on assets | 0.6246% | 4,745 |
| Return on Equity (ROE) | 3.4874% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.4874% | 4,041 |
| Net charge-offs to loans | -0.2473% | 6,438 |
| Credit loss provision to net charge-offs | -74.7748% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,751 |
| Assets per employee ($millions) | 4.9345% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 4,584 |
| Loan loss allowance to noncurrent loans | 73.6346% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 3,031 |
| Noncurrent loans to loans | 1.6459% | 2,364 |
| Net loans and leases to total assets | 66.8103% | 2,430 |
| Net loans and leases to deposits | 76.9259% | 2,694 |
| Net loans and leases to core deposits | 81.7466% | 2,761 |
| Total domestic deposits to total assets | 86.8503% | 2,912 |
| Equity capital to assets | 10.9679% | 2,748 |
| Core capital (leverage) ratio | 10.3022% | 3,173 |
| Tier 1 risk-based capital ratio | 12.3939% | 5,375 |
| Total risk-based capital ratio | 13.4097% | 5,461 |
| Memoranda: | ||
| Average total assets | $270,253,500 | 2,379 |
| Average earning assets | $253,721,500 | 2,330 |
| Average equity | $30,165,500 | 2,266 |
| Average total loans | $179,562,000 | 2,237 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,230 |
| Cost of funding earning assets | 0.4071% | 4,565 |
| Net interest margin | 4.0867% | 1,685 |
| Noninterest income to average assets | 0.3791% | 4,601 |
| Noninterest expense to average assets | 3.6080% | 1,430 |
| Loan and lease loss provision to assets | 0.2759% | 1,269 |
| Net operating income to assets | 1.7394% | 538 |
| Return on assets (ROA) | 1.9211% | 391 |
| Pretax return on assets | 0.3603% | 5,582 |
| Return on Equity (ROE) | 17.7423% | 434 |
| Retained earnings to average equity (ytd only) | 17.7423% | 109 |
| Net charge-offs to loans | 0.4111% | 1,634 |
| Credit loss provision to net charge-offs | 106.1934% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.7492% | 4,465 |
| Efficiency ratio | 88.8127% | 1,126 |
| Assets per employee ($millions) | 4.6346% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,644 |
| Loan loss allowance to noncurrent loans | 63.6252% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 2,944 |
| Noncurrent loans to loans | 1.8898% | 2,128 |
| Net loans and leases to total assets | 64.4155% | 2,968 |
| Net loans and leases to deposits | 76.3233% | 2,931 |
| Net loans and leases to core deposits | 81.3377% | 2,970 |
| Total domestic deposits to total assets | 84.3982% | 4,017 |
| Equity capital to assets | 11.3649% | 2,270 |
| Core capital (leverage) ratio | 10.4169% | 3,001 |
| Tier 1 risk-based capital ratio | 12.5447% | 5,261 |
| Total risk-based capital ratio | 13.5210% | 5,377 |
| Memoranda: | ||
| Average total assets | $254,798,400 | 2,489 |
| Average earning assets | $229,648,200 | 2,515 |
| Average equity | $27,589,400 | 2,413 |
| Average total loans | $161,046,000 | 2,412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,945 |
| Cost of funding earning assets | 0.4065% | 4,773 |
| Net interest margin | 4.1806% | 1,396 |
| Noninterest income to average assets | 0.3570% | 4,841 |
| Noninterest expense to average assets | 3.6008% | 1,396 |
| Loan and lease loss provision to assets | 0.3713% | 842 |
| Net operating income to assets | 2.2599% | 231 |
| Return on assets (ROA) | 2.5044% | 179 |
| Pretax return on assets | 0.3554% | 5,731 |
| Return on Equity (ROE) | 23.4332% | 155 |
| Retained earnings to average equity (ytd only) | 23.4332% | 58 |
| Net charge-offs to loans | 0.0590% | 4,062 |
| Credit loss provision to net charge-offs | 1,004.2857% | 304 |
| Earnings coverage of net charge-offs (x) | 13.0430% | 2,073 |
| Efficiency ratio | 88.1904% | 1,152 |
| Assets per employee ($millions) | 4.3512% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 2,725 |
| Loan loss allowance to noncurrent loans | 80.2592% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 3,065 |
| Noncurrent loans to loans | 2.0816% | 2,151 |
| Net loans and leases to total assets | 61.0535% | 3,516 |
| Net loans and leases to deposits | 71.1521% | 3,619 |
| Net loans and leases to core deposits | 75.6762% | 3,651 |
| Total domestic deposits to total assets | 85.8070% | 3,351 |
| Equity capital to assets | 11.6735% | 2,148 |
| Core capital (leverage) ratio | 10.2134% | 3,382 |
| Tier 1 risk-based capital ratio | 13.2376% | 4,955 |
| Total risk-based capital ratio | 14.4884% | 4,891 |
| Memoranda: | ||
| Average total assets | $252,454,500 | 2,522 |
| Average earning assets | $225,003,750 | 2,576 |
| Average equity | $26,981,000 | 2,485 |
| Average total loans | $158,247,500 | 2,460 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 2,085 |
| Cost of funding earning assets | 0.3700% | 5,229 |
| Net interest margin | 4.1605% | 1,376 |
| Noninterest income to average assets | 0.3306% | 5,048 |
| Noninterest expense to average assets | 3.5366% | 1,526 |
| Loan and lease loss provision to assets | 0.5601% | 466 |
| Net operating income to assets | -0.0127% | 6,312 |
| Return on assets (ROA) | 0.3561% | 5,560 |
| Pretax return on assets | 0.3561% | 5,736 |
| Return on Equity (ROE) | 3.4404% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.4404% | 4,130 |
| Net charge-offs to loans | 0.0950% | 3,417 |
| Credit loss provision to net charge-offs | 937.3333% | 330 |
| Earnings coverage of net charge-offs (x) | 9.1600% | 2,317 |
| Efficiency ratio | 86.5977% | 1,357 |
| Assets per employee ($millions) | 4.4109% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 3,001 |
| Loan loss allowance to noncurrent loans | 78.7322% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 3,137 |
| Noncurrent loans to loans | 2.0870% | 2,297 |
| Net loans and leases to total assets | 62.1909% | 3,255 |
| Net loans and leases to deposits | 71.6187% | 3,508 |
| Net loans and leases to core deposits | 76.2700% | 3,513 |
| Total domestic deposits to total assets | 86.8362% | 2,921 |
| Equity capital to assets | 9.9535% | 3,971 |
| Core capital (leverage) ratio | 10.2084% | 3,219 |
| Tier 1 risk-based capital ratio | 12.1417% | 5,717 |
| Total risk-based capital ratio | 13.3925% | 5,655 |
| Memoranda: | ||
| Average total assets | $251,033,000 | 2,544 |
| Average earning assets | $226,461,670 | 2,572 |
| Average equity | $25,985,330 | 2,587 |
| Average total loans | $157,863,670 | 2,466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,425 |
| Cost of funding earning assets | 0.3510% | 5,524 |
| Net interest margin | 4.0794% | 1,525 |
| Noninterest income to average assets | 0.3427% | 4,951 |
| Noninterest expense to average assets | 3.6198% | 1,385 |
| Loan and lease loss provision to assets | 0.9057% | 218 |
| Net operating income to assets | -0.4247% | 6,641 |
| Return on assets (ROA) | 0.3201% | 5,627 |
| Pretax return on assets | 0.3201% | 5,812 |
| Return on Equity (ROE) | 3.0328% | 5,578 |
| Retained earnings to average equity (ytd only) | 3.0328% | 4,462 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2699% | 1,301 |
| Assets per employee ($millions) | 4.5355% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 3,296 |
| Loan loss allowance to noncurrent loans | 67.3506% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 2,907 |
| Noncurrent loans to loans | 2.4123% | 2,149 |
| Net loans and leases to total assets | 64.1048% | 2,685 |
| Net loans and leases to deposits | 74.6432% | 2,829 |
| Net loans and leases to core deposits | 79.9494% | 2,812 |
| Total domestic deposits to total assets | 85.8817% | 3,595 |
| Equity capital to assets | 10.6914% | 3,330 |
| Core capital (leverage) ratio | 10.2022% | 3,145 |
| Tier 1 risk-based capital ratio | 12.0739% | 5,869 |
| Total risk-based capital ratio | 13.3244% | 5,825 |
| Memoranda: | ||
| Average total assets | $248,634,500 | 2,594 |
| Average earning assets | $229,050,500 | 2,572 |
| Average equity | $26,246,000 | 2,590 |
| Average total loans | $155,915,000 | 2,513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 2,713 |
| Cost of funding earning assets | 0.4389% | 5,660 |
| Net interest margin | 4.2304% | 1,574 |
| Noninterest income to average assets | 0.2784% | 5,473 |
| Noninterest expense to average assets | 3.5842% | 1,642 |
| Loan and lease loss provision to assets | 0.6158% | 886 |
| Net operating income to assets | 0.0800% | 6,046 |
| Return on assets (ROA) | 0.6841% | 4,079 |
| Pretax return on assets | 0.6841% | 4,717 |
| Return on Equity (ROE) | 6.1412% | 4,094 |
| Retained earnings to average equity (ytd only) | 6.1412% | 1,996 |
| Net charge-offs to loans | 0.5096% | 2,205 |
| Credit loss provision to net charge-offs | 197.9885% | 1,314 |
| Earnings coverage of net charge-offs (x) | 2.2371% | 4,307 |
| Efficiency ratio | 83.7440% | 1,661 |
| Assets per employee ($millions) | 4.7614% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,477 |
| Loan loss allowance to noncurrent loans | 54.9391% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 3,158 |
| Noncurrent loans to loans | 2.4272% | 2,189 |
| Net loans and leases to total assets | 59.5214% | 3,681 |
| Net loans and leases to deposits | 69.1162% | 3,820 |
| Net loans and leases to core deposits | 75.7088% | 3,572 |
| Total domestic deposits to total assets | 86.1179% | 3,289 |
| Equity capital to assets | 10.4247% | 3,621 |
| Core capital (leverage) ratio | 10.6097% | 2,647 |
| Tier 1 risk-based capital ratio | 12.1110% | 5,711 |
| Total risk-based capital ratio | 13.1332% | 5,813 |
| Memoranda: | ||
| Average total assets | $223,790,600 | 2,798 |
| Average earning assets | $211,681,000 | 2,715 |
| Average equity | $24,930,000 | 2,660 |
| Average total loans | $136,574,000 | 2,765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 2,917 |
| Cost of funding earning assets | 0.4701% | 5,639 |
| Net interest margin | 4.2026% | 1,730 |
| Noninterest income to average assets | 0.2769% | 5,565 |
| Noninterest expense to average assets | 3.6217% | 1,520 |
| Loan and lease loss provision to assets | 0.2295% | 2,757 |
| Net operating income to assets | 0.4148% | 5,185 |
| Return on assets (ROA) | 0.6228% | 4,533 |
| Pretax return on assets | 0.6228% | 5,097 |
| Return on Equity (ROE) | 5.4881% | 4,606 |
| Retained earnings to average equity (ytd only) | 5.4881% | 3,047 |
| Net charge-offs to loans | -0.0231% | 6,529 |
| Credit loss provision to net charge-offs | -1,621.7391% | 6,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8961% | 1,485 |
| Assets per employee ($millions) | 4.2999% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,363 |
| Loan loss allowance to noncurrent loans | 25.8179% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 3.0479% | 1,708 |
| Noncurrent loans to loans | 4.5776% | 1,026 |
| Net loans and leases to total assets | 65.2176% | 2,798 |
| Net loans and leases to deposits | 80.0663% | 2,379 |
| Net loans and leases to core deposits | 90.6336% | 1,911 |
| Total domestic deposits to total assets | 81.4545% | 5,206 |
| Equity capital to assets | 11.7046% | 2,531 |
| Core capital (leverage) ratio | 10.7035% | 2,694 |
| Tier 1 risk-based capital ratio | 11.9750% | 5,952 |
| Total risk-based capital ratio | 12.8645% | 6,132 |
| Memoranda: | ||
| Average total assets | $216,650,000 | 2,899 |
| Average earning assets | $205,643,000 | 2,812 |
| Average equity | $24,585,750 | 2,724 |
| Average total loans | $132,659,000 | 2,863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 2,878 |
| Cost of funding earning assets | 0.4953% | 5,655 |
| Net interest margin | 4.2132% | 1,712 |
| Noninterest income to average assets | 0.2650% | 5,685 |
| Noninterest expense to average assets | 3.5906% | 1,599 |
| Loan and lease loss provision to assets | 0.2323% | 2,750 |
| Net operating income to assets | 0.4348% | 5,098 |
| Return on assets (ROA) | 0.7502% | 3,878 |
| Pretax return on assets | 0.7502% | 4,652 |
| Return on Equity (ROE) | 6.6840% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.6840% | 2,284 |
| Net charge-offs to loans | -0.0251% | 6,480 |
| Credit loss provision to net charge-offs | -1,556.2500% | 6,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3305% | 1,598 |
| Assets per employee ($millions) | 4.2221% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,545 |
| Loan loss allowance to noncurrent loans | 73.4517% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 4,328 |
| Noncurrent loans to loans | 1.5729% | 3,550 |
| Net loans and leases to total assets | 62.8564% | 3,260 |
| Net loans and leases to deposits | 72.7844% | 3,488 |
| Net loans and leases to core deposits | 81.4630% | 3,028 |
| Total domestic deposits to total assets | 86.3597% | 3,159 |
| Equity capital to assets | 11.2946% | 2,798 |
| Core capital (leverage) ratio | 11.1064% | 2,201 |
| Tier 1 risk-based capital ratio | 12.7418% | 5,385 |
| Total risk-based capital ratio | 13.6252% | 5,651 |
| Memoranda: | ||
| Average total assets | $214,334,670 | 2,929 |
| Average earning assets | $203,124,330 | 2,843 |
| Average equity | $24,057,330 | 2,762 |
| Average total loans | $127,689,330 | 2,970 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 3,145 |
| Cost of funding earning assets | 0.5333% | 5,593 |
| Net interest margin | 4.1441% | 1,956 |
| Noninterest income to average assets | 0.2588% | 5,794 |
| Noninterest expense to average assets | 3.4837% | 1,794 |
| Loan and lease loss provision to assets | 0.2362% | 2,577 |
| Net operating income to assets | 0.5025% | 4,818 |
| Return on assets (ROA) | 0.6537% | 4,322 |
| Pretax return on assets | 0.6537% | 4,930 |
| Return on Equity (ROE) | 5.8427% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.8427% | 3,050 |
| Net charge-offs to loans | -0.0329% | 6,381 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5056% | 1,874 |
| Assets per employee ($millions) | 4.1190% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,464 |
| Loan loss allowance to noncurrent loans | 61.8174% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 4,213 |
| Noncurrent loans to loans | 1.9468% | 3,226 |
| Net loans and leases to total assets | 56.8405% | 4,239 |
| Net loans and leases to deposits | 65.5745% | 4,429 |
| Net loans and leases to core deposits | 74.5434% | 3,828 |
| Total domestic deposits to total assets | 86.6808% | 3,126 |
| Equity capital to assets | 11.3686% | 2,561 |
| Core capital (leverage) ratio | 10.9987% | 2,259 |
| Tier 1 risk-based capital ratio | 13.8599% | 4,560 |
| Total risk-based capital ratio | 14.7614% | 4,804 |
| Memoranda: | ||
| Average total assets | $211,728,000 | 2,971 |
| Average earning assets | $202,507,000 | 2,867 |
| Average equity | $23,687,500 | 2,792 |
| Average total loans | $121,727,500 | 3,113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 5,924 |
| Cost of funding earning assets | 0.6949% | 5,573 |
| Net interest margin | 3.5529% | 4,920 |
| Noninterest income to average assets | 0.2642% | 5,640 |
| Noninterest expense to average assets | 3.5524% | 1,857 |
| Loan and lease loss provision to assets | 0.0274% | 6,233 |
| Net operating income to assets | 0.1685% | 5,679 |
| Return on assets (ROA) | 0.2301% | 5,630 |
| Pretax return on assets | 0.2301% | 5,714 |
| Return on Equity (ROE) | 1.9607% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.9607% | 4,814 |
| Net charge-offs to loans | 0.0564% | 5,745 |
| Credit loss provision to net charge-offs | 89.8305% | 4,005 |
| Earnings coverage of net charge-offs (x) | 6.4237% | 2,522 |
| Efficiency ratio | 94.7724% | 876 |
| Assets per employee ($millions) | 4.3598% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,732 |
| Loan loss allowance to noncurrent loans | 50.8679% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2950% | 4,054 |
| Noncurrent loans to loans | 2.2042% | 2,944 |
| Net loans and leases to total assets | 56.8068% | 4,575 |
| Net loans and leases to deposits | 70.9370% | 3,958 |
| Net loans and leases to core deposits | 82.7566% | 3,072 |
| Total domestic deposits to total assets | 80.0807% | 5,720 |
| Equity capital to assets | 11.0026% | 2,978 |
| Core capital (leverage) ratio | 10.7873% | 2,444 |
| Tier 1 risk-based capital ratio | 13.8605% | 4,430 |
| Total risk-based capital ratio | 14.6928% | 4,703 |
| Memoranda: | ||
| Average total assets | $193,420,200 | 3,137 |
| Average earning assets | $189,676,400 | 2,968 |
| Average equity | $22,696,200 | 2,815 |
| Average total loans | $104,622,000 | 3,511 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 6,277 |
| Cost of funding earning assets | 0.7220% | 5,643 |
| Net interest margin | 3.4462% | 5,405 |
| Noninterest income to average assets | 0.2702% | 5,682 |
| Noninterest expense to average assets | 3.5251% | 1,873 |
| Loan and lease loss provision to assets | 0.0373% | 5,972 |
| Net operating income to assets | 0.0873% | 5,992 |
| Return on assets (ROA) | 0.1710% | 5,901 |
| Pretax return on assets | 0.1710% | 5,952 |
| Return on Equity (ROE) | 1.4327% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.4327% | 5,434 |
| Net charge-offs to loans | 0.0847% | 5,127 |
| Credit loss provision to net charge-offs | 82.8125% | 4,045 |
| Earnings coverage of net charge-offs (x) | 2.7656% | 3,748 |
| Efficiency ratio | 96.5870% | 786 |
| Assets per employee ($millions) | 4.8281% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 5,303 |
| Loan loss allowance to noncurrent loans | 49.8145% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 4,049 |
| Noncurrent loans to loans | 2.4898% | 2,784 |
| Net loans and leases to total assets | 50.3401% | 5,669 |
| Net loans and leases to deposits | 57.6080% | 5,879 |
| Net loans and leases to core deposits | 67.9182% | 5,190 |
| Total domestic deposits to total assets | 87.3839% | 2,414 |
| Equity capital to assets | 10.8155% | 3,338 |
| Core capital (leverage) ratio | 11.3191% | 2,149 |
| Tier 1 risk-based capital ratio | 15.3695% | 3,447 |
| Total risk-based capital ratio | 16.2992% | 3,606 |
| Memoranda: | ||
| Average total assets | $189,458,000 | 3,209 |
| Average earning assets | $185,786,250 | 3,025 |
| Average equity | $22,614,000 | 2,826 |
| Average total loans | $100,720,750 | 3,630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 6,239 |
| Cost of funding earning assets | 0.7231% | 5,818 |
| Net interest margin | 3.4966% | 5,179 |
| Noninterest income to average assets | 0.3025% | 5,473 |
| Noninterest expense to average assets | 3.5820% | 1,781 |
| Loan and lease loss provision to assets | 0.0572% | 5,602 |
| Net operating income to assets | 0.0891% | 6,045 |
| Return on assets (ROA) | 0.2200% | 5,784 |
| Pretax return on assets | 0.2200% | 5,888 |
| Return on Equity (ROE) | 1.7783% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.7783% | 5,104 |
| Net charge-offs to loans | 0.1446% | 4,323 |
| Credit loss provision to net charge-offs | 73.2394% | 3,973 |
| Earnings coverage of net charge-offs (x) | 1.8732% | 3,928 |
| Efficiency ratio | 96.0755% | 877 |
| Assets per employee ($millions) | 4.5042% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 4,909 |
| Loan loss allowance to noncurrent loans | 43.1202% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 3,790 |
| Noncurrent loans to loans | 3.0918% | 2,330 |
| Net loans and leases to total assets | 49.8529% | 5,840 |
| Net loans and leases to deposits | 58.1279% | 5,923 |
| Net loans and leases to core deposits | 69.5314% | 5,120 |
| Total domestic deposits to total assets | 85.7642% | 3,459 |
| Equity capital to assets | 11.7139% | 2,317 |
| Core capital (leverage) ratio | 11.9944% | 1,599 |
| Tier 1 risk-based capital ratio | 16.8679% | 2,578 |
| Total risk-based capital ratio | 17.8842% | 2,636 |
| Memoranda: | ||
| Average total assets | $181,799,000 | 3,341 |
| Average earning assets | $178,117,330 | 3,158 |
| Average equity | $22,493,330 | 2,816 |
| Average total loans | $98,200,000 | 3,738 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 6,049 |
| Cost of funding earning assets | 0.6861% | 6,218 |
| Net interest margin | 3.6004% | 4,565 |
| Noninterest income to average assets | 0.2880% | 5,612 |
| Noninterest expense to average assets | 3.5459% | 1,885 |
| Loan and lease loss provision to assets | 0.0806% | 4,998 |
| Net operating income to assets | 0.1797% | 5,848 |
| Return on assets (ROA) | 0.1797% | 5,904 |
| Pretax return on assets | 0.1797% | 5,987 |
| Return on Equity (ROE) | 1.4097% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.4097% | 5,257 |
| Net charge-offs to loans | 0.5225% | 2,178 |
| Credit loss provision to net charge-offs | 27.5591% | 4,158 |
| Earnings coverage of net charge-offs (x) | 0.8898% | 3,977 |
| Efficiency ratio | 93.1598% | 1,086 |
| Assets per employee ($millions) | 4.7255% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 5,213 |
| Loan loss allowance to noncurrent loans | 40.1144% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.3695% | 2,877 |
| Noncurrent loans to loans | 3.1996% | 2,342 |
| Net loans and leases to total assets | 55.5132% | 5,074 |
| Net loans and leases to deposits | 68.6999% | 4,575 |
| Net loans and leases to core deposits | 86.6625% | 2,778 |
| Total domestic deposits to total assets | 80.8053% | 5,718 |
| Equity capital to assets | 12.6895% | 1,527 |
| Core capital (leverage) ratio | 13.0698% | 1,102 |
| Tier 1 risk-based capital ratio | 16.3281% | 2,739 |
| Total risk-based capital ratio | 17.2641% | 2,869 |
| Memoranda: | ||
| Average total assets | $173,607,000 | 3,494 |
| Average earning assets | $169,649,500 | 3,307 |
| Average equity | $22,132,500 | 2,853 |
| Average total loans | $97,232,500 | 3,802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 7,132 |
| Cost of funding earning assets | 0.9078% | 6,146 |
| Net interest margin | 3.0969% | 6,527 |
| Noninterest income to average assets | 0.2304% | 6,153 |
| Noninterest expense to average assets | 3.7375% | 1,609 |
| Loan and lease loss provision to assets | 1.3171% | 1,155 |
| Net operating income to assets | -1.7969% | 6,998 |
| Return on assets (ROA) | -1.3785% | 6,882 |
| Pretax return on assets | -1.3785% | 6,810 |
| Return on Equity (ROE) | -10.9273% | 6,767 |
| Retained earnings to average equity (ytd only) | -10.9273% | 6,709 |
| Net charge-offs to loans | 2.5185% | 744 |
| Credit loss provision to net charge-offs | 89.3161% | 5,154 |
| Earnings coverage of net charge-offs (x) | -0.3254% | 6,376 |
| Efficiency ratio | 114.7280% | 469 |
| Assets per employee ($millions) | 4.6586% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 4,469 |
| Loan loss allowance to noncurrent loans | 43.2312% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.5840% | 2,695 |
| Noncurrent loans to loans | 3.2577% | 2,330 |
| Net loans and leases to total assets | 54.9907% | 5,489 |
| Net loans and leases to deposits | 67.2931% | 5,198 |
| Net loans and leases to core deposits | 83.8511% | 3,621 |
| Total domestic deposits to total assets | 81.7183% | 5,287 |
| Equity capital to assets | 12.8086% | 1,485 |
| Core capital (leverage) ratio | 12.5429% | 1,298 |
| Tier 1 risk-based capital ratio | 17.0650% | 2,326 |
| Total risk-based capital ratio | 18.1171% | 2,366 |
| Memoranda: | ||
| Average total assets | $167,570,000 | 3,581 |
| Average earning assets | $163,808,400 | 3,381 |
| Average equity | $21,139,800 | 2,987 |
| Average total loans | $98,114,400 | 3,853 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 7,376 |
| Cost of funding earning assets | 0.9514% | 6,169 |
| Net interest margin | 2.9035% | 7,000 |
| Noninterest income to average assets | 0.2324% | 6,227 |
| Noninterest expense to average assets | 3.7610% | 1,450 |
| Loan and lease loss provision to assets | 1.7687% | 706 |
| Net operating income to assets | -2.4579% | 7,339 |
| Return on assets (ROA) | -1.9097% | 7,231 |
| Pretax return on assets | -1.9097% | 7,173 |
| Return on Equity (ROE) | -15.1983% | 7,114 |
| Retained earnings to average equity (ytd only) | -15.1983% | 7,087 |
| Net charge-offs to loans | 2.7381% | 592 |
| Credit loss provision to net charge-offs | 108.9877% | 3,903 |
| Earnings coverage of net charge-offs (x) | -0.4247% | 6,298 |
| Efficiency ratio | 122.4367% | 367 |
| Assets per employee ($millions) | 4.4917% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 2,324 |
| Loan loss allowance to noncurrent loans | 52.6778% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 2,718 |
| Noncurrent loans to loans | 3.7219% | 2,090 |
| Net loans and leases to total assets | 51.3815% | 6,176 |
| Net loans and leases to deposits | 63.6126% | 5,960 |
| Net loans and leases to core deposits | 82.2629% | 4,209 |
| Total domestic deposits to total assets | 80.7725% | 5,459 |
| Equity capital to assets | 13.8512% | 1,220 |
| Core capital (leverage) ratio | 12.8801% | 1,274 |
| Tier 1 risk-based capital ratio | 17.3083% | 2,239 |
| Total risk-based capital ratio | 18.5680% | 2,196 |
| Memoranda: | ||
| Average total assets | $166,370,250 | 3,647 |
| Average earning assets | $162,698,000 | 3,451 |
| Average equity | $20,905,250 | 3,061 |
| Average total loans | $98,607,750 | 3,904 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 7,511 |
| Cost of funding earning assets | 0.9938% | 6,170 |
| Net interest margin | 2.7487% | 7,202 |
| Noninterest income to average assets | 0.2142% | 6,388 |
| Noninterest expense to average assets | 3.7006% | 1,557 |
| Loan and lease loss provision to assets | 1.6031% | 816 |
| Net operating income to assets | -2.4022% | 7,396 |
| Return on assets (ROA) | -1.8637% | 7,281 |
| Pretax return on assets | -1.8637% | 7,198 |
| Return on Equity (ROE) | -15.3950% | 7,155 |
| Retained earnings to average equity (ytd only) | -15.3950% | 7,114 |
| Net charge-offs to loans | 3.9435% | 330 |
| Credit loss provision to net charge-offs | 65.8622% | 5,079 |
| Earnings coverage of net charge-offs (x) | -0.3283% | 5,939 |
| Efficiency ratio | 127.5411% | 334 |
| Assets per employee ($millions) | 4.4442% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,494 |
| Loan loss allowance to noncurrent loans | 25.1070% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 2.3188% | 3,113 |
| Noncurrent loans to loans | 3.8949% | 1,961 |
| Net loans and leases to total assets | 56.3018% | 5,655 |
| Net loans and leases to deposits | 68.4336% | 5,501 |
| Net loans and leases to core deposits | 93.4220% | 2,804 |
| Total domestic deposits to total assets | 82.2721% | 4,878 |
| Equity capital to assets | 14.3515% | 1,049 |
| Core capital (leverage) ratio | 13.5088% | 1,054 |
| Tier 1 risk-based capital ratio | 20.9530% | 1,348 |
| Total risk-based capital ratio | 21.8198% | 1,387 |
| Memoranda: | ||
| Average total assets | $163,435,000 | 3,715 |
| Average earning assets | $159,784,330 | 3,519 |
| Average equity | $19,785,670 | 3,203 |
| Average total loans | $100,874,330 | 3,865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 7,668 |
| Cost of funding earning assets | 1.0449% | 6,153 |
| Net interest margin | 2.5816% | 7,407 |
| Noninterest income to average assets | 0.2489% | 6,160 |
| Noninterest expense to average assets | 3.3899% | 2,263 |
| Loan and lease loss provision to assets | 0.3833% | 3,067 |
| Net operating income to assets | -1.0030% | 7,107 |
| Return on assets (ROA) | 0.0821% | 6,181 |
| Pretax return on assets | 0.0821% | 6,184 |
| Return on Equity (ROE) | 0.7517% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.7517% | 5,522 |
| Net charge-offs to loans | 1.0184% | 1,612 |
| Credit loss provision to net charge-offs | 58.5551% | 4,328 |
| Earnings coverage of net charge-offs (x) | -0.9468% | 5,375 |
| Efficiency ratio | 122.3720% | 414 |
| Assets per employee ($millions) | 4.7707% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,802 |
| Loan loss allowance to noncurrent loans | 18.6688% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 5.5643% | 1,108 |
| Noncurrent loans to loans | 8.1523% | 651 |
| Net loans and leases to total assets | 58.4761% | 5,356 |
| Net loans and leases to deposits | 70.7923% | 5,230 |
| Net loans and leases to core deposits | 100.8751% | 2,044 |
| Total domestic deposits to total assets | 82.6023% | 4,798 |
| Equity capital to assets | 14.8884% | 907 |
| Core capital (leverage) ratio | 15.7070% | 625 |
| Tier 1 risk-based capital ratio | 22.6174% | 1,133 |
| Total risk-based capital ratio | 23.8781% | 1,104 |
| Memoranda: | ||
| Average total assets | $160,712,000 | 3,830 |
| Average earning assets | $156,957,000 | 3,629 |
| Average equity | $17,560,000 | 3,558 |
| Average total loans | $103,300,500 | 3,846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 7,509 |
| Cost of funding earning assets | 1.5848% | 5,102 |
| Net interest margin | 2.7802% | 7,094 |
| Noninterest income to average assets | 0.2285% | 6,481 |
| Noninterest expense to average assets | 3.5681% | 2,226 |
| Loan and lease loss provision to assets | 3.9125% | 357 |
| Net operating income to assets | -4.6462% | 7,692 |
| Return on assets (ROA) | -4.1602% | 7,630 |
| Pretax return on assets | -4.1602% | 7,565 |
| Return on Equity (ROE) | -46.1141% | 7,637 |
| Retained earnings to average equity (ytd only) | -46.1141% | 7,626 |
| Net charge-offs to loans | 6.5867% | 142 |
| Credit loss provision to net charge-offs | 89.0044% | 6,041 |
| Earnings coverage of net charge-offs (x) | -0.1669% | 6,407 |
| Efficiency ratio | 125.8856% | 513 |
| Assets per employee ($millions) | 4.8265% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,689 |
| Loan loss allowance to noncurrent loans | 29.9131% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 4.3024% | 1,520 |
| Noncurrent loans to loans | 5.0339% | 1,341 |
| Net loans and leases to total assets | 68.5234% | 3,586 |
| Net loans and leases to deposits | 75.1804% | 4,858 |
| Net loans and leases to core deposits | 219.9996% | 66 |
| Total domestic deposits to total assets | 91.1452% | 480 |
| Equity capital to assets | 6.6430% | 7,519 |
| Core capital (leverage) ratio | 6.6224% | 7,436 |
| Tier 1 risk-based capital ratio | 9.0624% | 7,443 |
| Total risk-based capital ratio | 10.3229% | 7,456 |
| Memoranda: | ||
| Average total assets | $155,375,600 | 3,875 |
| Average earning assets | $145,637,200 | 3,786 |
| Average equity | $14,017,400 | 4,246 |
| Average total loans | $103,693,600 | 3,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 7,639 |
| Cost of funding earning assets | 1.6835% | 4,982 |
| Net interest margin | 2.6697% | 7,267 |
| Noninterest income to average assets | 0.2313% | 6,572 |
| Noninterest expense to average assets | 3.2645% | 3,055 |
| Loan and lease loss provision to assets | 4.5858% | 211 |
| Net operating income to assets | -5.1419% | 7,858 |
| Return on assets (ROA) | -4.8248% | 7,823 |
| Pretax return on assets | -4.8248% | 7,790 |
| Return on Equity (ROE) | -50.1968% | 7,833 |
| Retained earnings to average equity (ytd only) | -50.1968% | 7,830 |
| Net charge-offs to loans | 7.0613% | 108 |
| Credit loss provision to net charge-offs | 98.3462% | 5,201 |
| Earnings coverage of net charge-offs (x) | -0.1193% | 6,204 |
| Efficiency ratio | 120.5315% | 580 |
| Assets per employee ($millions) | 4.5345% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 1,464 |
| Loan loss allowance to noncurrent loans | 31.6001% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 5.4796% | 1,042 |
| Noncurrent loans to loans | 6.8827% | 790 |
| Net loans and leases to total assets | 66.4874% | 4,311 |
| Net loans and leases to deposits | 74.4863% | 5,295 |
| Net loans and leases to core deposits | 236.8087% | 56 |
| Total domestic deposits to total assets | 89.2613% | 1,078 |
| Equity capital to assets | 7.7232% | 7,130 |
| Core capital (leverage) ratio | 6.8618% | 7,514 |
| Tier 1 risk-based capital ratio | 9.5978% | 7,305 |
| Total risk-based capital ratio | 10.8647% | 7,259 |
| Memoranda: | ||
| Average total assets | $155,607,500 | 3,881 |
| Average earning assets | $144,380,000 | 3,834 |
| Average equity | $14,956,750 | 4,102 |
| Average total loans | $102,754,250 | 3,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 7,823 |
| Cost of funding earning assets | 1.7779% | 4,871 |
| Net interest margin | 2.4315% | 7,547 |
| Noninterest income to average assets | 0.2268% | 6,666 |
| Noninterest expense to average assets | 3.2649% | 3,101 |
| Loan and lease loss provision to assets | 1.6927% | 992 |
| Net operating income to assets | -2.5140% | 7,561 |
| Return on assets (ROA) | -2.3513% | 7,519 |
| Pretax return on assets | -2.3513% | 7,379 |
| Return on Equity (ROE) | -22.9758% | 7,589 |
| Retained earnings to average equity (ytd only) | -22.9758% | 7,547 |
| Net charge-offs to loans | 4.9551% | 249 |
| Credit loss provision to net charge-offs | 52.2341% | 5,731 |
| Earnings coverage of net charge-offs (x) | -0.2535% | 5,923 |
| Efficiency ratio | 133.6130% | 490 |
| Assets per employee ($millions) | 4.8618% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,717 |
| Loan loss allowance to noncurrent loans | 36.7057% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 2.6612% | 2,415 |
| Noncurrent loans to loans | 2.9486% | 2,445 |
| Net loans and leases to total assets | 64.1910% | 4,938 |
| Net loans and leases to deposits | 76.4166% | 5,105 |
| Net loans and leases to core deposits | 220.3397% | 81 |
| Total domestic deposits to total assets | 84.0014% | 3,770 |
| Equity capital to assets | 9.2116% | 4,997 |
| Core capital (leverage) ratio | 9.2648% | 4,222 |
| Tier 1 risk-based capital ratio | 11.0581% | 5,822 |
| Total risk-based capital ratio | 11.9179% | 6,150 |
| Memoranda: | ||
| Average total assets | $156,086,000 | 3,898 |
| Average earning assets | $142,301,670 | 3,896 |
| Average equity | $15,973,330 | 3,925 |
| Average total loans | $102,077,670 | 3,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 7,856 |
| Cost of funding earning assets | 2.0513% | 3,865 |
| Net interest margin | 2.2353% | 7,767 |
| Noninterest income to average assets | 0.2693% | 6,284 |
| Noninterest expense to average assets | 3.3246% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.0985% | 7,308 |
| Return on assets (ROA) | -1.0932% | 7,316 |
| Pretax return on assets | -1.0932% | 7,193 |
| Return on Equity (ROE) | -10.1306% | 7,373 |
| Retained earnings to average equity (ytd only) | -10.1306% | 7,127 |
| Net charge-offs to loans | 1.1339% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.4752% | 5,426 |
| Efficiency ratio | 149.3476% | 356 |
| Assets per employee ($millions) | 4.3719% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 1,324 |
| Loan loss allowance to noncurrent loans | 41.1962% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 4.2396% | 1,177 |
| Noncurrent loans to loans | 4.9813% | 1,091 |
| Net loans and leases to total assets | 67.0140% | 4,339 |
| Net loans and leases to deposits | 77.7577% | 4,964 |
| Net loans and leases to core deposits | 245.0806% | 73 |
| Total domestic deposits to total assets | 86.1832% | 2,623 |
| Equity capital to assets | 10.7424% | 3,243 |
| Core capital (leverage) ratio | 11.1833% | 2,352 |
| Tier 1 risk-based capital ratio | 12.2059% | 4,787 |
| Total risk-based capital ratio | 13.4666% | 4,685 |
| Memoranda: | ||
| Average total assets | $151,478,000 | 3,983 |
| Average earning assets | $132,597,000 | 4,098 |
| Average equity | $16,346,500 | 3,874 |
| Average total loans | $99,481,500 | 4,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 7,532 |
| Cost of funding earning assets | 2.4997% | 4,210 |
| Net interest margin | 2.8532% | 7,248 |
| Noninterest income to average assets | 0.1640% | 7,250 |
| Noninterest expense to average assets | 3.1333% | 3,573 |
| Loan and lease loss provision to assets | 1.5463% | 868 |
| Net operating income to assets | -2.4480% | 7,696 |
| Return on assets (ROA) | -2.2513% | 7,618 |
| Pretax return on assets | -1.6497% | 7,321 |
| Return on Equity (ROE) | -17.5556% | 7,691 |
| Retained earnings to average equity (ytd only) | -17.5556% | 7,598 |
| Net charge-offs to loans | 0.5739% | 2,093 |
| Credit loss provision to net charge-offs | 483.4043% | 910 |
| Earnings coverage of net charge-offs (x) | -0.9383% | 6,583 |
| Efficiency ratio | 110.5933% | 697 |
| Assets per employee ($millions) | 4.1706% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4357% | 733 |
| Loan loss allowance to noncurrent loans | 44.2969% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 4.2667% | 921 |
| Noncurrent loans to loans | 5.4985% | 741 |
| Net loans and leases to total assets | 61.4953% | 5,698 |
| Net loans and leases to deposits | 76.8491% | 5,492 |
| Net loans and leases to core deposits | 233.2522% | 86 |
| Total domestic deposits to total assets | 80.0209% | 5,012 |
| Equity capital to assets | 10.8385% | 3,174 |
| Core capital (leverage) ratio | 11.3206% | 2,354 |
| Tier 1 risk-based capital ratio | 15.0993% | 2,991 |
| Total risk-based capital ratio | 16.3240% | 2,933 |
| Memoranda: | ||
| Average total assets | $146,936,000 | 3,953 |
| Average earning assets | $137,457,600 | 3,903 |
| Average equity | $18,843,000 | 3,424 |
| Average total loans | $81,891,800 | 4,454 |