Home > Broadway Federal Bank, f.s.b. > Performance and Condition Ratios
Broadway Federal Bank, f.s.b., Performance and Condition Ratios
| 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 | 3.2644% | 3,533 |
| Cost of funding earning assets | 0.7865% | 385 |
| Net interest margin | 2.4779% | 4,333 |
| Noninterest income to average assets | 0.0977% | 4,696 |
| Noninterest expense to average assets | 6.0171% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -2.3191% | 4,956 |
| Return on assets (ROA) | -2.3191% | 4,956 |
| Pretax return on assets | -3.5251% | 4,961 |
| Return on Equity (ROE) | -23.3803% | 4,963 |
| Retained earnings to average equity (ytd only) | -29.2738% | 4,947 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 241.4544% | 14 |
| Assets per employee ($millions) | 7.8097% | 1,283 |
| Cash dividends to net income (ytd only)* | -25.2071% | 4,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,217 |
| Loan loss allowance to noncurrent loans | 423.0263% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 3,365 |
| Noncurrent loans to loans | 0.2078% | 3,359 |
| Net loans and leases to total assets | 76.0972% | 622 |
| Net loans and leases to deposits | 115.0397% | 100 |
| Net loans and leases to core deposits | 127.7288% | 167 |
| Total domestic deposits to total assets | 66.1486% | 4,834 |
| Equity capital to assets | 9.5724% | 3,133 |
| Core capital (leverage) ratio | 8.8877% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9460% | 1,077 |
| Memoranda: | ||
| Average total assets | $478,971,000 | 1,752 |
| Average earning assets | $462,809,500 | 1,708 |
| Average equity | $47,510,000 | 1,837 |
| Average total loans | $364,539,500 | 1,509 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 3,348 |
| Cost of funding earning assets | 1.1456% | 342 |
| Net interest margin | 2.6380% | 4,449 |
| Noninterest income to average assets | 0.2082% | 4,231 |
| Noninterest expense to average assets | 2.7359% | 2,127 |
| Loan and lease loss provision to assets | 0.0060% | 4,277 |
| Net operating income to assets | 0.0436% | 4,703 |
| Return on assets (ROA) | 0.0436% | 4,737 |
| Pretax return on assets | 0.0195% | 4,753 |
| Return on Equity (ROE) | 0.4172% | 4,733 |
| Retained earnings to average equity (ytd only) | -3.5563% | 4,797 |
| Net charge-offs to loans | -0.0010% | 3,941 |
| Credit loss provision to net charge-offs | -725.0000% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0379% | 190 |
| Assets per employee ($millions) | 7.5242% | 1,263 |
| Cash dividends to net income (ytd only)* | 952.3810% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,230 |
| Loan loss allowance to noncurrent loans | 408.5133% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 3,455 |
| Noncurrent loans to loans | 0.2166% | 3,427 |
| Net loans and leases to total assets | 74.7852% | 929 |
| Net loans and leases to deposits | 112.9140% | 129 |
| Net loans and leases to core deposits | 130.9241% | 193 |
| Total domestic deposits to total assets | 66.2320% | 4,845 |
| Equity capital to assets | 10.2623% | 2,869 |
| Core capital (leverage) ratio | 9.5370% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1977% | 749 |
| Memoranda: | ||
| Average total assets | $481,782,600 | 1,603 |
| Average earning assets | $466,304,200 | 1,549 |
| Average equity | $50,333,000 | 1,684 |
| Average total loans | $405,482,000 | 1,341 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,190 |
| Cost of funding earning assets | 1.2289% | 331 |
| Net interest margin | 2.6910% | 4,477 |
| Noninterest income to average assets | 0.1729% | 4,429 |
| Noninterest expense to average assets | 2.5953% | 2,543 |
| Loan and lease loss provision to assets | 0.0081% | 4,193 |
| Net operating income to assets | 0.1765% | 4,625 |
| Return on assets (ROA) | 0.1765% | 4,665 |
| Pretax return on assets | 0.1746% | 4,677 |
| Return on Equity (ROE) | 1.6824% | 4,599 |
| Retained earnings to average equity (ytd only) | -2.2731% | 4,719 |
| Net charge-offs to loans | -0.0013% | 3,838 |
| Credit loss provision to net charge-offs | -725.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4157% | 275 |
| Assets per employee ($millions) | 7.6466% | 1,144 |
| Cash dividends to net income (ytd only)* | 235.1097% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 4,373 |
| Loan loss allowance to noncurrent loans | 392.0732% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,594 |
| Noncurrent loans to loans | 0.2021% | 3,577 |
| Net loans and leases to total assets | 80.9705% | 527 |
| Net loans and leases to deposits | 122.3103% | 96 |
| Net loans and leases to core deposits | 153.0999% | 104 |
| Total domestic deposits to total assets | 66.2009% | 4,848 |
| Equity capital to assets | 10.1123% | 3,135 |
| Core capital (leverage) ratio | 9.8368% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1000% | 1,039 |
| Memoranda: | ||
| Average total assets | $481,840,500 | 1,581 |
| Average earning assets | $466,433,000 | 1,522 |
| Average equity | $50,561,750 | 1,672 |
| Average total loans | $416,016,500 | 1,303 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,430 |
| Cost of funding earning assets | 1.3563% | 276 |
| Net interest margin | 2.6039% | 4,649 |
| Noninterest income to average assets | 0.1795% | 4,385 |
| Noninterest expense to average assets | 2.5022% | 2,954 |
| Loan and lease loss provision to assets | 0.0122% | 4,067 |
| Net operating income to assets | 0.2714% | 4,468 |
| Return on assets (ROA) | 0.2714% | 4,507 |
| Pretax return on assets | 0.1858% | 4,648 |
| Return on Equity (ROE) | 2.5542% | 4,437 |
| Retained earnings to average equity (ytd only) | -0.9988% | 4,478 |
| Net charge-offs to loans | -0.0019% | 3,812 |
| Credit loss provision to net charge-offs | -725.0000% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6519% | 330 |
| Assets per employee ($millions) | 7.5186% | 1,168 |
| Cash dividends to net income (ytd only)* | 139.1036% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 4,458 |
| Loan loss allowance to noncurrent loans | 380.0236% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 3,666 |
| Noncurrent loans to loans | 0.1980% | 3,666 |
| Net loans and leases to total assets | 86.7872% | 101 |
| Net loans and leases to deposits | 132.7970% | 45 |
| Net loans and leases to core deposits | 174.4859% | 60 |
| Total domestic deposits to total assets | 65.3533% | 4,894 |
| Equity capital to assets | 10.3944% | 2,842 |
| Core capital (leverage) ratio | 9.7096% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1526% | 1,217 |
| Memoranda: | ||
| Average total assets | $476,778,000 | 1,563 |
| Average earning assets | $461,536,333 | 1,509 |
| Average equity | $50,662,000 | 1,649 |
| Average total loans | $419,468,333 | 1,278 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,754 |
| Cost of funding earning assets | 1.4278% | 351 |
| Net interest margin | 2.5836% | 4,764 |
| Noninterest income to average assets | 0.1631% | 4,555 |
| Noninterest expense to average assets | 2.4885% | 3,305 |
| Loan and lease loss provision to assets | 0.0246% | 3,489 |
| Net operating income to assets | 0.1291% | 4,620 |
| Return on assets (ROA) | 0.1291% | 4,626 |
| Pretax return on assets | 0.1512% | 4,624 |
| Return on Equity (ROE) | 1.2017% | 4,600 |
| Retained earnings to average equity (ytd only) | -1.9607% | 4,250 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3992% | 386 |
| Assets per employee ($millions) | 7.9936% | 736 |
| Cash dividends to net income (ytd only)* | 263.1579% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 4,529 |
| Loan loss allowance to noncurrent loans | 1,146.7857% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,315 |
| Noncurrent loans to loans | 0.0651% | 4,280 |
| Net loans and leases to total assets | 84.7538% | 222 |
| Net loans and leases to deposits | 127.0559% | 49 |
| Net loans and leases to core deposits | 166.7148% | 68 |
| Total domestic deposits to total assets | 66.7059% | 4,947 |
| Equity capital to assets | 10.0466% | 3,734 |
| Core capital (leverage) ratio | 10.2024% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9366% | 1,364 |
| Memoranda: | ||
| Average total assets | $470,813,500 | 1,532 |
| Average earning assets | $455,798,000 | 1,478 |
| Average equity | $50,594,000 | 1,648 |
| Average total loans | $415,527,500 | 1,259 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,925 |
| Cost of funding earning assets | 1.5125% | 382 |
| Net interest margin | 2.6389% | 4,878 |
| Noninterest income to average assets | 0.2419% | 4,229 |
| Noninterest expense to average assets | 2.6954% | 2,896 |
| Loan and lease loss provision to assets | -0.0017% | 4,903 |
| Net operating income to assets | 0.1091% | 4,921 |
| Return on assets (ROA) | 0.1091% | 4,940 |
| Pretax return on assets | 0.0934% | 4,945 |
| Return on Equity (ROE) | 0.8965% | 4,925 |
| Retained earnings to average equity (ytd only) | -2.3262% | 4,885 |
| Net charge-offs to loans | -0.0689% | 4,887 |
| Credit loss provision to net charge-offs | 2.6923% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6317% | 200 |
| Assets per employee ($millions) | 6.8443% | 1,113 |
| Cash dividends to net income (ytd only)* | 359.4771% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,324 |
| Loan loss allowance to noncurrent loans | 750.4717% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 4,137 |
| Noncurrent loans to loans | 0.1057% | 4,103 |
| Net loans and leases to total assets | 90.8258% | 36 |
| Net loans and leases to deposits | 132.1992% | 36 |
| Net loans and leases to core deposits | 166.3588% | 70 |
| Total domestic deposits to total assets | 68.7037% | 4,977 |
| Equity capital to assets | 11.5503% | 2,484 |
| Core capital (leverage) ratio | 11.5591% | 2,068 |
| Tier 1 risk-based capital ratio | 17.1417% | 2,014 |
| Total risk-based capital ratio | 18.2890% | 1,982 |
| Memoranda: | ||
| Average total assets | $420,754,200 | 1,662 |
| Average earning assets | $405,813,400 | 1,601 |
| Average equity | $51,198,400 | 1,564 |
| Average total loans | $377,367,000 | 1,336 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 4,051 |
| Cost of funding earning assets | 1.5327% | 376 |
| Net interest margin | 2.6109% | 4,995 |
| Noninterest income to average assets | 0.2673% | 4,141 |
| Noninterest expense to average assets | 2.7778% | 2,629 |
| Loan and lease loss provision to assets | -0.0964% | 5,158 |
| Net operating income to assets | 0.1175% | 5,007 |
| Return on assets (ROA) | 0.1175% | 5,020 |
| Pretax return on assets | 0.1025% | 5,036 |
| Return on Equity (ROE) | 0.9529% | 5,017 |
| Retained earnings to average equity (ytd only) | -1.7734% | 4,910 |
| Net charge-offs to loans | -0.0682% | 4,904 |
| Credit loss provision to net charge-offs | 158.4211% | 1,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6780% | 154 |
| Assets per employee ($millions) | 6.7570% | 1,132 |
| Cash dividends to net income (ytd only)* | 286.1052% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,490 |
| Loan loss allowance to noncurrent loans | 403.1474% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 3,897 |
| Noncurrent loans to loans | 0.1911% | 3,853 |
| Net loans and leases to total assets | 88.0635% | 93 |
| Net loans and leases to deposits | 128.0024% | 52 |
| Net loans and leases to core deposits | 154.5976% | 105 |
| Total domestic deposits to total assets | 68.7984% | 5,039 |
| Equity capital to assets | 12.3887% | 1,987 |
| Core capital (leverage) ratio | 11.7390% | 2,050 |
| Tier 1 risk-based capital ratio | 19.4124% | 1,481 |
| Total risk-based capital ratio | 20.5652% | 1,473 |
| Memoranda: | ||
| Average total assets | $416,434,500 | 1,692 |
| Average earning assets | $401,381,250 | 1,620 |
| Average equity | $51,349,500 | 1,563 |
| Average total loans | $371,451,500 | 1,363 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 3,927 |
| Cost of funding earning assets | 1.5147% | 364 |
| Net interest margin | 2.6853% | 5,012 |
| Noninterest income to average assets | 0.2374% | 4,335 |
| Noninterest expense to average assets | 2.7646% | 2,704 |
| Loan and lease loss provision to assets | -0.1666% | 5,240 |
| Net operating income to assets | 0.2092% | 4,985 |
| Return on assets (ROA) | 0.2092% | 4,993 |
| Pretax return on assets | 0.2274% | 5,001 |
| Return on Equity (ROE) | 1.6989% | 4,979 |
| Retained earnings to average equity (ytd only) | -0.8281% | 4,806 |
| Net charge-offs to loans | -0.1018% | 5,000 |
| Credit loss provision to net charge-offs | 183.1579% | 1,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7130% | 180 |
| Assets per employee ($millions) | 6.6799% | 1,145 |
| Cash dividends to net income (ytd only)* | 148.7414% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,655 |
| Loan loss allowance to noncurrent loans | 380.6319% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 3,914 |
| Noncurrent loans to loans | 0.1905% | 3,870 |
| Net loans and leases to total assets | 88.7518% | 84 |
| Net loans and leases to deposits | 127.1542% | 53 |
| Net loans and leases to core deposits | 161.2748% | 91 |
| Total domestic deposits to total assets | 69.7986% | 5,052 |
| Equity capital to assets | 12.0257% | 2,164 |
| Core capital (leverage) ratio | 11.8297% | 1,929 |
| Tier 1 risk-based capital ratio | 18.7893% | 1,605 |
| Total risk-based capital ratio | 19.8646% | 1,602 |
| Memoranda: | ||
| Average total assets | $417,854,670 | 1,693 |
| Average earning assets | $402,711,330 | 1,618 |
| Average equity | $51,445,000 | 1,554 |
| Average total loans | $373,337,670 | 1,359 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 3,228 |
| Cost of funding earning assets | 1.5030% | 322 |
| Net interest margin | 2.8974% | 4,879 |
| Noninterest income to average assets | 0.3545% | 3,485 |
| Noninterest expense to average assets | 2.8357% | 2,458 |
| Loan and lease loss provision to assets | -0.1840% | 5,310 |
| Net operating income to assets | 0.3961% | 4,741 |
| Return on assets (ROA) | 0.3961% | 4,754 |
| Pretax return on assets | 0.4920% | 4,709 |
| Return on Equity (ROE) | 3.1791% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.0132% | 4,062 |
| Net charge-offs to loans | -0.2060% | 5,176 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9569% | 393 |
| Assets per employee ($millions) | 6.8669% | 1,058 |
| Cash dividends to net income (ytd only)* | 36.6748% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 4,565 |
| Loan loss allowance to noncurrent loans | 374.5524% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 3,058 |
| Noncurrent loans to loans | 0.2096% | 3,836 |
| Net loans and leases to total assets | 88.3716% | 87 |
| Net loans and leases to deposits | 128.0091% | 49 |
| Net loans and leases to core deposits | 160.9500% | 86 |
| Total domestic deposits to total assets | 69.0354% | 5,139 |
| Equity capital to assets | 12.3430% | 1,825 |
| Core capital (leverage) ratio | 11.9932% | 1,778 |
| Tier 1 risk-based capital ratio | 19.4011% | 1,464 |
| Total risk-based capital ratio | 20.5476% | 1,451 |
| Memoranda: | ||
| Average total assets | $413,024,000 | 1,722 |
| Average earning assets | $397,597,000 | 1,648 |
| Average equity | $51,461,500 | 1,537 |
| Average total loans | $368,907,000 | 1,379 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,333 |
| Cost of funding earning assets | 1.1910% | 357 |
| Net interest margin | 2.6811% | 5,110 |
| Noninterest income to average assets | 0.1948% | 4,736 |
| Noninterest expense to average assets | 2.6998% | 3,025 |
| Loan and lease loss provision to assets | -0.3065% | 5,362 |
| Net operating income to assets | 0.3170% | 4,985 |
| Return on assets (ROA) | 0.3170% | 4,978 |
| Pretax return on assets | 0.3806% | 4,953 |
| Return on Equity (ROE) | 2.5598% | 4,974 |
| Retained earnings to average equity (ytd only) | 1.3756% | 4,582 |
| Net charge-offs to loans | -0.0312% | 4,825 |
| Credit loss provision to net charge-offs | 1,100.0000% | 356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2771% | 183 |
| Assets per employee ($millions) | 6.4630% | 1,236 |
| Cash dividends to net income (ytd only)* | 46.2606% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 4,524 |
| Loan loss allowance to noncurrent loans | 321.5148% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 2,850 |
| Noncurrent loans to loans | 0.2498% | 3,687 |
| Net loans and leases to total assets | 88.8540% | 85 |
| Net loans and leases to deposits | 127.2898% | 56 |
| Net loans and leases to core deposits | 161.7113% | 86 |
| Total domestic deposits to total assets | 69.8045% | 5,159 |
| Equity capital to assets | 12.5798% | 1,543 |
| Core capital (leverage) ratio | 12.0280% | 1,717 |
| Tier 1 risk-based capital ratio | 19.3172% | 1,445 |
| Total risk-based capital ratio | 20.4832% | 1,430 |
| Memoranda: | ||
| Average total assets | $409,104,400 | 1,676 |
| Average earning assets | $393,539,200 | 1,610 |
| Average equity | $50,667,800 | 1,505 |
| Average total loans | $365,889,600 | 1,341 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 4,381 |
| Cost of funding earning assets | 1.1055% | 389 |
| Net interest margin | 2.7177% | 5,156 |
| Noninterest income to average assets | 0.2008% | 4,767 |
| Noninterest expense to average assets | 2.7178% | 2,924 |
| Loan and lease loss provision to assets | -0.3255% | 5,432 |
| Net operating income to assets | 0.2969% | 5,098 |
| Return on assets (ROA) | 0.2969% | 5,093 |
| Pretax return on assets | 0.4222% | 5,011 |
| Return on Equity (ROE) | 2.4065% | 5,083 |
| Retained earnings to average equity (ytd only) | 1.2191% | 4,802 |
| Net charge-offs to loans | -0.0415% | 4,866 |
| Credit loss provision to net charge-offs | 877.1930% | 456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5071% | 193 |
| Assets per employee ($millions) | 6.7312% | 1,064 |
| Cash dividends to net income (ytd only)* | 49.3425% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,486 |
| Loan loss allowance to noncurrent loans | 268.1550% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 2,754 |
| Noncurrent loans to loans | 0.3144% | 3,543 |
| Net loans and leases to total assets | 89.7025% | 85 |
| Net loans and leases to deposits | 132.4427% | 36 |
| Net loans and leases to core deposits | 163.0935% | 79 |
| Total domestic deposits to total assets | 67.7293% | 5,289 |
| Equity capital to assets | 12.1857% | 1,778 |
| Core capital (leverage) ratio | 11.8252% | 1,898 |
| Tier 1 risk-based capital ratio | 18.1406% | 1,758 |
| Total risk-based capital ratio | 19.3398% | 1,720 |
| Memoranda: | ||
| Average total assets | $409,588,000 | 1,678 |
| Average earning assets | $393,903,750 | 1,618 |
| Average equity | $50,529,500 | 1,507 |
| Average total loans | $366,183,000 | 1,346 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,393 |
| Cost of funding earning assets | 0.9874% | 491 |
| Net interest margin | 2.7924% | 5,130 |
| Noninterest income to average assets | 0.1228% | 5,183 |
| Noninterest expense to average assets | 2.7980% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0088% | 5,337 |
| Return on assets (ROA) | 0.0088% | 5,332 |
| Pretax return on assets | 0.0084% | 5,332 |
| Return on Equity (ROE) | 0.0714% | 5,331 |
| Retained earnings to average equity (ytd only) | -1.1186% | 5,082 |
| Net charge-offs to loans | -0.0629% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6148% | 178 |
| Assets per employee ($millions) | 6.3069% | 1,266 |
| Cash dividends to net income (ytd only)* | 1,666.6667% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,091 |
| Loan loss allowance to noncurrent loans | 335.4451% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 2,723 |
| Noncurrent loans to loans | 0.3370% | 3,492 |
| Net loans and leases to total assets | 89.2525% | 93 |
| Net loans and leases to deposits | 133.4950% | 31 |
| Net loans and leases to core deposits | 156.4388% | 93 |
| Total domestic deposits to total assets | 66.8583% | 5,367 |
| Equity capital to assets | 12.2375% | 1,704 |
| Core capital (leverage) ratio | 11.9830% | 1,723 |
| Tier 1 risk-based capital ratio | 18.0222% | 1,791 |
| Total risk-based capital ratio | 19.2767% | 1,756 |
| Memoranda: | ||
| Average total assets | $407,005,670 | 1,695 |
| Average earning assets | $391,139,000 | 1,632 |
| Average equity | $50,421,000 | 1,509 |
| Average total loans | $362,396,330 | 1,356 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 4,046 |
| Cost of funding earning assets | 0.9555% | 461 |
| Net interest margin | 2.9055% | 5,018 |
| Noninterest income to average assets | 0.0838% | 5,384 |
| Noninterest expense to average assets | 2.8555% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0187% | 5,379 |
| Return on assets (ROA) | 0.0187% | 5,376 |
| Pretax return on assets | 0.0178% | 5,385 |
| Return on Equity (ROE) | 0.1504% | 5,377 |
| Retained earnings to average equity (ytd only) | 0.1504% | 4,785 |
| Net charge-offs to loans | -0.1272% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2104% | 184 |
| Assets per employee ($millions) | 6.0520% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 2,956 |
| Loan loss allowance to noncurrent loans | 248.1020% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 2,426 |
| Noncurrent loans to loans | 0.4738% | 3,104 |
| Net loans and leases to total assets | 88.0363% | 130 |
| Net loans and leases to deposits | 124.5955% | 71 |
| Net loans and leases to core deposits | 176.1533% | 55 |
| Total domestic deposits to total assets | 70.6577% | 5,346 |
| Equity capital to assets | 12.6434% | 1,408 |
| Core capital (leverage) ratio | 11.8812% | 1,732 |
| Tier 1 risk-based capital ratio | 18.9724% | 1,553 |
| Total risk-based capital ratio | 20.2278% | 1,521 |
| Memoranda: | ||
| Average total assets | $405,535,500 | 1,712 |
| Average earning assets | $389,337,000 | 1,653 |
| Average equity | $50,548,000 | 1,515 |
| Average total loans | $358,559,500 | 1,372 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 3,658 |
| Cost of funding earning assets | 0.9999% | 214 |
| Net interest margin | 2.9197% | 5,016 |
| Noninterest income to average assets | 0.5621% | 2,644 |
| Noninterest expense to average assets | 2.5533% | 3,594 |
| Loan and lease loss provision to assets | -0.2546% | 5,604 |
| Net operating income to assets | 0.7153% | 3,539 |
| Return on assets (ROA) | 0.7153% | 3,588 |
| Pretax return on assets | 1.0712% | 3,295 |
| Return on Equity (ROE) | 6.2265% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.2193% | 1,989 |
| Net charge-offs to loans | -0.1500% | 5,468 |
| Credit loss provision to net charge-offs | 194.3463% | 1,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7108% | 1,665 |
| Assets per employee ($millions) | 6.1439% | 1,419 |
| Cash dividends to net income (ytd only)* | 16.1760% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,210 |
| Loan loss allowance to noncurrent loans | 230.4077% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 2,402 |
| Noncurrent loans to loans | 0.4888% | 3,052 |
| Net loans and leases to total assets | 86.7804% | 207 |
| Net loans and leases to deposits | 121.5178% | 94 |
| Net loans and leases to core deposits | 156.9037% | 99 |
| Total domestic deposits to total assets | 71.4137% | 5,348 |
| Equity capital to assets | 12.2909% | 1,645 |
| Core capital (leverage) ratio | 11.3914% | 2,020 |
| Tier 1 risk-based capital ratio | 18.6276% | 1,612 |
| Total risk-based capital ratio | 19.8818% | 1,560 |
| Memoranda: | ||
| Average total assets | $432,112,400 | 1,603 |
| Average earning assets | $415,549,600 | 1,546 |
| Average equity | $49,643,000 | 1,526 |
| Average total loans | $377,216,000 | 1,293 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,365 |
| Cost of funding earning assets | 0.9996% | 197 |
| Net interest margin | 2.9990% | 4,918 |
| Noninterest income to average assets | 0.6013% | 2,482 |
| Noninterest expense to average assets | 2.4877% | 3,777 |
| Loan and lease loss provision to assets | -0.2897% | 5,691 |
| Net operating income to assets | 0.8212% | 3,432 |
| Return on assets (ROA) | 0.8212% | 3,469 |
| Pretax return on assets | 1.2890% | 2,546 |
| Return on Equity (ROE) | 7.2676% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.2676% | 1,557 |
| Net charge-offs to loans | -0.1959% | 5,535 |
| Credit loss provision to net charge-offs | 169.6429% | 1,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2724% | 2,330 |
| Assets per employee ($millions) | 6.6343% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,850 |
| Loan loss allowance to noncurrent loans | 195.0463% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 2,375 |
| Noncurrent loans to loans | 0.6220% | 2,844 |
| Net loans and leases to total assets | 78.3446% | 1,221 |
| Net loans and leases to deposits | 114.7063% | 173 |
| Net loans and leases to core deposits | 172.8777% | 61 |
| Total domestic deposits to total assets | 68.3002% | 5,527 |
| Equity capital to assets | 11.5783% | 2,292 |
| Core capital (leverage) ratio | 11.0695% | 2,395 |
| Tier 1 risk-based capital ratio | 18.1534% | 1,816 |
| Total risk-based capital ratio | 19.4081% | 1,770 |
| Memoranda: | ||
| Average total assets | $437,231,000 | 1,597 |
| Average earning assets | $420,701,750 | 1,544 |
| Average equity | $49,405,250 | 1,545 |
| Average total loans | $381,197,500 | 1,292 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,420 |
| Cost of funding earning assets | 0.9984% | 177 |
| Net interest margin | 2.9387% | 5,022 |
| Noninterest income to average assets | 0.7656% | 1,701 |
| Noninterest expense to average assets | 2.4109% | 4,020 |
| Loan and lease loss provision to assets | -0.2975% | 5,730 |
| Net operating income to assets | 0.9460% | 2,684 |
| Return on assets (ROA) | 0.9460% | 2,743 |
| Pretax return on assets | 1.4782% | 1,728 |
| Return on Equity (ROE) | 8.4411% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.4411% | 1,017 |
| Net charge-offs to loans | -0.1493% | 5,521 |
| Credit loss provision to net charge-offs | 221.8430% | 1,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0234% | 3,179 |
| Assets per employee ($millions) | 6.2724% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,697 |
| Loan loss allowance to noncurrent loans | 152.8438% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 2,633 |
| Noncurrent loans to loans | 0.7058% | 2,636 |
| Net loans and leases to total assets | 89.9602% | 78 |
| Net loans and leases to deposits | 140.5755% | 21 |
| Net loans and leases to core deposits | 207.6064% | 40 |
| Total domestic deposits to total assets | 63.9942% | 5,665 |
| Equity capital to assets | 11.5585% | 2,265 |
| Core capital (leverage) ratio | 10.5140% | 2,894 |
| Tier 1 risk-based capital ratio | 15.8662% | 2,557 |
| Total risk-based capital ratio | 17.1188% | 2,498 |
| Memoranda: | ||
| Average total assets | $437,020,000 | 1,601 |
| Average earning assets | $420,261,000 | 1,546 |
| Average equity | $48,974,670 | 1,557 |
| Average total loans | $392,511,330 | 1,262 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,315 |
| Cost of funding earning assets | 0.9594% | 203 |
| Net interest margin | 2.9625% | 4,973 |
| Noninterest income to average assets | 1.2297% | 678 |
| Noninterest expense to average assets | 2.6434% | 3,331 |
| Loan and lease loss provision to assets | -0.3188% | 5,821 |
| Net operating income to assets | 1.1787% | 1,563 |
| Return on assets (ROA) | 1.1787% | 1,605 |
| Pretax return on assets | 1.7516% | 901 |
| Return on Equity (ROE) | 10.6833% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.6833% | 663 |
| Net charge-offs to loans | -0.1418% | 5,549 |
| Credit loss provision to net charge-offs | 251.7986% | 878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8045% | 3,698 |
| Assets per employee ($millions) | 6.8421% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,725 |
| Loan loss allowance to noncurrent loans | 105.4755% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 2,008 |
| Noncurrent loans to loans | 1.0413% | 1,974 |
| Net loans and leases to total assets | 87.5806% | 132 |
| Net loans and leases to deposits | 132.3293% | 30 |
| Net loans and leases to core deposits | 184.3932% | 47 |
| Total domestic deposits to total assets | 66.1838% | 5,707 |
| Equity capital to assets | 10.8845% | 2,761 |
| Core capital (leverage) ratio | 10.7702% | 2,625 |
| Tier 1 risk-based capital ratio | 15.3874% | 2,803 |
| Total risk-based capital ratio | 16.6399% | 2,733 |
| Memoranda: | ||
| Average total assets | $439,131,500 | 1,609 |
| Average earning assets | $421,934,000 | 1,555 |
| Average equity | $48,449,500 | 1,569 |
| Average total loans | $391,971,500 | 1,268 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 3,484 |
| Cost of funding earning assets | 0.9518% | 226 |
| Net interest margin | 2.9708% | 5,015 |
| Noninterest income to average assets | 0.2536% | 4,902 |
| Noninterest expense to average assets | 2.6265% | 3,600 |
| Loan and lease loss provision to assets | -0.1349% | 5,729 |
| Net operating income to assets | 0.5730% | 4,336 |
| Return on assets (ROA) | 0.5730% | 4,435 |
| Pretax return on assets | 0.6024% | 4,782 |
| Return on Equity (ROE) | 4.6707% | 4,576 |
| Retained earnings to average equity (ytd only) | -3.3271% | 5,601 |
| Net charge-offs to loans | -0.0949% | 5,576 |
| Credit loss provision to net charge-offs | 169.2308% | 1,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8185% | 924 |
| Assets per employee ($millions) | 6.3684% | 1,226 |
| Cash dividends to net income (ytd only)* | 171.2329% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 3,137 |
| Loan loss allowance to noncurrent loans | 156.3519% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 2,642 |
| Noncurrent loans to loans | 0.7666% | 2,620 |
| Net loans and leases to total assets | 88.9305% | 98 |
| Net loans and leases to deposits | 130.3760% | 41 |
| Net loans and leases to core deposits | 172.4697% | 59 |
| Total domestic deposits to total assets | 68.2108% | 5,710 |
| Equity capital to assets | 11.1902% | 2,430 |
| Core capital (leverage) ratio | 10.5954% | 2,778 |
| Tier 1 risk-based capital ratio | 15.3630% | 2,812 |
| Total risk-based capital ratio | 16.6178% | 2,739 |
| Memoranda: | ||
| Average total assets | $407,695,200 | 1,654 |
| Average earning assets | $389,793,000 | 1,607 |
| Average equity | $50,013,400 | 1,519 |
| Average total loans | $342,522,000 | 1,366 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,425 |
| Cost of funding earning assets | 0.9496% | 221 |
| Net interest margin | 3.0002% | 5,011 |
| Noninterest income to average assets | 0.2945% | 4,661 |
| Noninterest expense to average assets | 2.7093% | 3,327 |
| Loan and lease loss provision to assets | -0.1820% | 5,859 |
| Net operating income to assets | 0.6320% | 4,161 |
| Return on assets (ROA) | 0.6320% | 4,283 |
| Pretax return on assets | 0.6327% | 4,794 |
| Return on Equity (ROE) | 5.0348% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.0348% | 2,805 |
| Net charge-offs to loans | -0.1281% | 5,654 |
| Credit loss provision to net charge-offs | 172.4138% | 1,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6545% | 847 |
| Assets per employee ($millions) | 6.4577% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,593 |
| Loan loss allowance to noncurrent loans | 150.9688% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 2,719 |
| Noncurrent loans to loans | 0.8717% | 2,512 |
| Net loans and leases to total assets | 83.4109% | 466 |
| Net loans and leases to deposits | 119.2584% | 117 |
| Net loans and leases to core deposits | 156.5929% | 102 |
| Total domestic deposits to total assets | 69.9413% | 5,700 |
| Equity capital to assets | 12.4531% | 1,806 |
| Core capital (leverage) ratio | 11.7011% | 1,887 |
| Tier 1 risk-based capital ratio | 17.9015% | 1,952 |
| Total risk-based capital ratio | 19.1577% | 1,916 |
| Memoranda: | ||
| Average total assets | $402,947,500 | 1,674 |
| Average earning assets | $384,848,750 | 1,625 |
| Average equity | $50,580,000 | 1,507 |
| Average total loans | $332,138,250 | 1,405 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,683 |
| Cost of funding earning assets | 0.9411% | 232 |
| Net interest margin | 2.9325% | 5,203 |
| Noninterest income to average assets | 0.3770% | 4,048 |
| Noninterest expense to average assets | 2.7494% | 3,200 |
| Loan and lease loss provision to assets | -0.2753% | 5,972 |
| Net operating income to assets | 0.7019% | 3,776 |
| Return on assets (ROA) | 0.7019% | 3,929 |
| Pretax return on assets | 0.7029% | 4,611 |
| Return on Equity (ROE) | 5.5763% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.5763% | 2,376 |
| Net charge-offs to loans | -0.1636% | 5,766 |
| Credit loss provision to net charge-offs | 205.9925% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4639% | 840 |
| Assets per employee ($millions) | 6.0949% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,709 |
| Loan loss allowance to noncurrent loans | 122.2431% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 2,339 |
| Noncurrent loans to loans | 1.0752% | 2,140 |
| Net loans and leases to total assets | 83.5702% | 453 |
| Net loans and leases to deposits | 120.3596% | 98 |
| Net loans and leases to core deposits | 157.6889% | 94 |
| Total domestic deposits to total assets | 69.4338% | 5,801 |
| Equity capital to assets | 12.4869% | 1,779 |
| Core capital (leverage) ratio | 12.2341% | 1,503 |
| Tier 1 risk-based capital ratio | 17.9708% | 1,938 |
| Total risk-based capital ratio | 19.2269% | 1,902 |
| Memoranda: | ||
| Average total assets | $399,498,330 | 1,691 |
| Average earning assets | $381,451,670 | 1,637 |
| Average equity | $50,284,000 | 1,520 |
| Average total loans | $326,407,670 | 1,428 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 3,803 |
| Cost of funding earning assets | 0.9604% | 212 |
| Net interest margin | 2.8802% | 5,357 |
| Noninterest income to average assets | 0.5660% | 2,709 |
| Noninterest expense to average assets | 2.7955% | 3,087 |
| Loan and lease loss provision to assets | -0.3037% | 6,051 |
| Net operating income to assets | 0.8171% | 3,163 |
| Return on assets (ROA) | 0.8171% | 3,288 |
| Pretax return on assets | 0.8191% | 4,139 |
| Return on Equity (ROE) | 6.4650% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.4650% | 2,158 |
| Net charge-offs to loans | -0.0076% | 4,419 |
| Credit loss provision to net charge-offs | 5,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4037% | 1,125 |
| Assets per employee ($millions) | 5.8672% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,434 |
| Loan loss allowance to noncurrent loans | 110.5314% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 2,090 |
| Noncurrent loans to loans | 1.2644% | 1,914 |
| Net loans and leases to total assets | 82.6060% | 493 |
| Net loans and leases to deposits | 122.4237% | 83 |
| Net loans and leases to core deposits | 146.5287% | 123 |
| Total domestic deposits to total assets | 67.4755% | 5,936 |
| Equity capital to assets | 13.0104% | 1,402 |
| Core capital (leverage) ratio | 12.0184% | 1,590 |
| Tier 1 risk-based capital ratio | 19.1946% | 1,688 |
| Total risk-based capital ratio | 20.4522% | 1,653 |
| Memoranda: | ||
| Average total assets | $395,069,500 | 1,712 |
| Average earning assets | $376,504,000 | 1,657 |
| Average equity | $49,930,500 | 1,530 |
| Average total loans | $316,707,000 | 1,459 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,366 |
| Cost of funding earning assets | 1.0442% | 134 |
| Net interest margin | 3.2120% | 4,587 |
| Noninterest income to average assets | 0.7315% | 2,055 |
| Noninterest expense to average assets | 3.4067% | 1,470 |
| Loan and lease loss provision to assets | -0.9889% | 6,173 |
| Net operating income to assets | 2.5934% | 138 |
| Return on assets (ROA) | 2.5934% | 139 |
| Pretax return on assets | 1.3706% | 2,022 |
| Return on Equity (ROE) | 22.3142% | 158 |
| Retained earnings to average equity (ytd only) | 22.3142% | 53 |
| Net charge-offs to loans | -0.0220% | 5,296 |
| Credit loss provision to net charge-offs | 5,873.0159% | 62 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7700% | 699 |
| Assets per employee ($millions) | 6.0135% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,745 |
| Loan loss allowance to noncurrent loans | 114.2181% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 1,925 |
| Noncurrent loans to loans | 1.3680% | 1,714 |
| Net loans and leases to total assets | 75.4950% | 1,493 |
| Net loans and leases to deposits | 109.6049% | 253 |
| Net loans and leases to core deposits | 136.0682% | 205 |
| Total domestic deposits to total assets | 68.8793% | 5,948 |
| Equity capital to assets | 12.2809% | 1,757 |
| Core capital (leverage) ratio | 11.5628% | 1,913 |
| Tier 1 risk-based capital ratio | 19.4483% | 1,598 |
| Total risk-based capital ratio | 20.7083% | 1,562 |
| Memoranda: | ||
| Average total assets | $374,142,000 | 1,753 |
| Average earning assets | $356,073,800 | 1,698 |
| Average equity | $43,483,600 | 1,690 |
| Average total loans | $286,083,800 | 1,526 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 1,638 |
| Cost of funding earning assets | 1.0458% | 137 |
| Net interest margin | 3.4390% | 3,801 |
| Noninterest income to average assets | 0.6835% | 2,309 |
| Noninterest expense to average assets | 3.1375% | 2,122 |
| Loan and lease loss provision to assets | -0.6177% | 6,231 |
| Net operating income to assets | 1.4305% | 1,049 |
| Return on assets (ROA) | 1.4305% | 1,096 |
| Pretax return on assets | 1.4363% | 1,882 |
| Return on Equity (ROE) | 12.5027% | 1,238 |
| Retained earnings to average equity (ytd only) | 12.5027% | 313 |
| Net charge-offs to loans | 0.0176% | 3,596 |
| Credit loss provision to net charge-offs | -4,594.5946% | 5,686 |
| Earnings coverage of net charge-offs (x) | 60.8944% | 914 |
| Efficiency ratio | 79.2432% | 1,768 |
| Assets per employee ($millions) | 5.9394% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8904% | 278 |
| Loan loss allowance to noncurrent loans | 117.1309% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.5604% | 1,430 |
| Noncurrent loans to loans | 2.4677% | 828 |
| Net loans and leases to total assets | 55.9677% | 4,361 |
| Net loans and leases to deposits | 80.7063% | 2,798 |
| Net loans and leases to core deposits | 100.1404% | 1,502 |
| Total domestic deposits to total assets | 69.3474% | 5,994 |
| Equity capital to assets | 10.8549% | 3,189 |
| Core capital (leverage) ratio | 11.8338% | 1,787 |
| Tier 1 risk-based capital ratio | 20.0764% | 1,524 |
| Total risk-based capital ratio | 21.3490% | 1,488 |
| Memoranda: | ||
| Average total assets | $366,952,000 | 1,798 |
| Average earning assets | $349,199,750 | 1,745 |
| Average equity | $41,984,500 | 1,751 |
| Average total loans | $280,355,000 | 1,559 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 939 |
| Cost of funding earning assets | 1.0989% | 98 |
| Net interest margin | 3.6735% | 2,824 |
| Noninterest income to average assets | 0.5211% | 3,218 |
| Noninterest expense to average assets | 3.2647% | 1,806 |
| Loan and lease loss provision to assets | -0.8459% | 6,317 |
| Net operating income to assets | 1.5785% | 781 |
| Return on assets (ROA) | 1.5785% | 811 |
| Pretax return on assets | 1.5824% | 1,384 |
| Return on Equity (ROE) | 13.5330% | 1,003 |
| Retained earnings to average equity (ytd only) | 13.5330% | 269 |
| Net charge-offs to loans | 0.0284% | 3,099 |
| Credit loss provision to net charge-offs | -3,571.4286% | 5,554 |
| Earnings coverage of net charge-offs (x) | 31.0952% | 1,334 |
| Efficiency ratio | 81.4940% | 1,561 |
| Assets per employee ($millions) | 5.1298% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4371% | 522 |
| Loan loss allowance to noncurrent loans | 102.7914% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 2.4821% | 769 |
| Noncurrent loans to loans | 2.3710% | 978 |
| Net loans and leases to total assets | 77.1794% | 1,185 |
| Net loans and leases to deposits | 117.2782% | 133 |
| Net loans and leases to core deposits | 124.6908% | 360 |
| Total domestic deposits to total assets | 65.8088% | 6,174 |
| Equity capital to assets | 11.8864% | 2,114 |
| Core capital (leverage) ratio | 11.8906% | 1,721 |
| Tier 1 risk-based capital ratio | 17.8681% | 2,105 |
| Total risk-based capital ratio | 19.1388% | 2,057 |
| Memoranda: | ||
| Average total assets | $354,642,330 | 1,874 |
| Average earning assets | $335,972,330 | 1,832 |
| Average equity | $41,365,670 | 1,776 |
| Average total loans | $296,216,330 | 1,497 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 1,049 |
| Cost of funding earning assets | 1.0967% | 100 |
| Net interest margin | 3.5941% | 3,028 |
| Noninterest income to average assets | 0.6821% | 2,245 |
| Noninterest expense to average assets | 3.2586% | 1,822 |
| Loan and lease loss provision to assets | -0.8513% | 6,376 |
| Net operating income to assets | 1.6685% | 635 |
| Return on assets (ROA) | 1.6685% | 666 |
| Pretax return on assets | 1.6707% | 1,114 |
| Return on Equity (ROE) | 14.4445% | 799 |
| Retained earnings to average equity (ytd only) | 14.4445% | 327 |
| Net charge-offs to loans | 0.0582% | 2,176 |
| Credit loss provision to net charge-offs | -1,704.5455% | 5,109 |
| Earnings coverage of net charge-offs (x) | 16.4091% | 1,569 |
| Efficiency ratio | 79.8775% | 1,914 |
| Assets per employee ($millions) | 5.4459% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5570% | 493 |
| Loan loss allowance to noncurrent loans | 99.4555% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.8792% | 677 |
| Noncurrent loans to loans | 2.5710% | 935 |
| Net loans and leases to total assets | 82.5822% | 409 |
| Net loans and leases to deposits | 129.5948% | 34 |
| Net loans and leases to core deposits | 137.8667% | 170 |
| Total domestic deposits to total assets | 63.7234% | 6,283 |
| Equity capital to assets | 11.7155% | 2,278 |
| Core capital (leverage) ratio | 11.7337% | 1,827 |
| Tier 1 risk-based capital ratio | 17.1968% | 2,404 |
| Total risk-based capital ratio | 18.4708% | 2,357 |
| Memoranda: | ||
| Average total assets | $352,421,500 | 1,885 |
| Average earning assets | $332,986,000 | 1,846 |
| Average equity | $40,707,500 | 1,803 |
| Average total loans | $302,293,500 | 1,466 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 857 |
| Cost of funding earning assets | 1.1668% | 97 |
| Net interest margin | 3.7775% | 2,702 |
| Noninterest income to average assets | 0.0934% | 6,176 |
| Noninterest expense to average assets | 3.5615% | 1,373 |
| Loan and lease loss provision to assets | -0.8670% | 6,484 |
| Net operating income to assets | 0.9522% | 2,622 |
| Return on assets (ROA) | 0.9522% | 2,699 |
| Pretax return on assets | 0.9528% | 3,676 |
| Return on Equity (ROE) | 8.8429% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.8429% | 735 |
| Net charge-offs to loans | -0.4508% | 6,383 |
| Credit loss provision to net charge-offs | 234.3725% | 1,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1704% | 460 |
| Assets per employee ($millions) | 5.0849% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7792% | 386 |
| Loan loss allowance to noncurrent loans | 95.5094% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 3.1195% | 629 |
| Noncurrent loans to loans | 2.9098% | 784 |
| Net loans and leases to total assets | 84.3995% | 316 |
| Net loans and leases to deposits | 133.2469% | 35 |
| Net loans and leases to core deposits | 141.9320% | 152 |
| Total domestic deposits to total assets | 63.3406% | 6,362 |
| Equity capital to assets | 11.3846% | 2,525 |
| Core capital (leverage) ratio | 11.3414% | 2,096 |
| Tier 1 risk-based capital ratio | 16.4098% | 2,755 |
| Total risk-based capital ratio | 17.6876% | 2,690 |
| Memoranda: | ||
| Average total assets | $338,170,200 | 1,923 |
| Average earning assets | $318,143,400 | 1,883 |
| Average equity | $36,413,200 | 1,929 |
| Average total loans | $277,514,000 | 1,534 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 951 |
| Cost of funding earning assets | 1.1830% | 95 |
| Net interest margin | 3.7056% | 3,002 |
| Noninterest income to average assets | 0.0888% | 6,284 |
| Noninterest expense to average assets | 3.5629% | 1,358 |
| Loan and lease loss provision to assets | -1.0077% | 6,568 |
| Net operating income to assets | 1.0161% | 2,380 |
| Return on assets (ROA) | 1.0161% | 2,439 |
| Pretax return on assets | 1.0169% | 3,533 |
| Return on Equity (ROE) | 9.5802% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.5802% | 815 |
| Net charge-offs to loans | -0.7155% | 6,495 |
| Credit loss provision to net charge-offs | 174.2602% | 1,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1086% | 400 |
| Assets per employee ($millions) | 4.6280% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1201% | 318 |
| Loan loss allowance to noncurrent loans | 91.9294% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 3.6594% | 571 |
| Noncurrent loans to loans | 3.3940% | 717 |
| Net loans and leases to total assets | 83.3316% | 374 |
| Net loans and leases to deposits | 128.4927% | 49 |
| Net loans and leases to core deposits | 136.4022% | 174 |
| Total domestic deposits to total assets | 64.8532% | 6,422 |
| Equity capital to assets | 10.8616% | 3,115 |
| Core capital (leverage) ratio | 10.8381% | 2,652 |
| Tier 1 risk-based capital ratio | 15.6065% | 3,258 |
| Total risk-based capital ratio | 16.8889% | 3,177 |
| Memoranda: | ||
| Average total assets | $334,997,750 | 1,954 |
| Average earning assets | $314,900,500 | 1,912 |
| Average equity | $35,530,500 | 1,980 |
| Average total loans | $270,745,250 | 1,583 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 931 |
| Cost of funding earning assets | 1.1884% | 95 |
| Net interest margin | 3.6996% | 2,967 |
| Noninterest income to average assets | 0.0509% | 6,443 |
| Noninterest expense to average assets | 3.4965% | 1,479 |
| Loan and lease loss provision to assets | -0.9472% | 6,631 |
| Net operating income to assets | 0.9765% | 2,430 |
| Return on assets (ROA) | 0.9765% | 2,510 |
| Pretax return on assets | 0.9777% | 3,572 |
| Return on Equity (ROE) | 9.2823% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.2823% | 886 |
| Net charge-offs to loans | -0.6149% | 6,530 |
| Credit loss provision to net charge-offs | 194.8276% | 1,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4553% | 447 |
| Assets per employee ($millions) | 4.7131% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4176% | 258 |
| Loan loss allowance to noncurrent loans | 72.7386% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 4.2459% | 476 |
| Noncurrent loans to loans | 4.6984% | 454 |
| Net loans and leases to total assets | 79.1825% | 778 |
| Net loans and leases to deposits | 122.0621% | 71 |
| Net loans and leases to core deposits | 129.5811% | 232 |
| Total domestic deposits to total assets | 64.8707% | 6,500 |
| Equity capital to assets | 10.7112% | 3,189 |
| Core capital (leverage) ratio | 10.6682% | 2,756 |
| Tier 1 risk-based capital ratio | 15.7102% | 3,241 |
| Total risk-based capital ratio | 16.9958% | 3,164 |
| Memoranda: | ||
| Average total assets | $334,049,330 | 1,953 |
| Average earning assets | $313,872,330 | 1,911 |
| Average equity | $35,142,330 | 1,987 |
| Average total loans | $264,128,000 | 1,606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 944 |
| Cost of funding earning assets | 1.2154% | 92 |
| Net interest margin | 3.6358% | 3,115 |
| Noninterest income to average assets | 0.4099% | 4,105 |
| Noninterest expense to average assets | 3.5091% | 1,468 |
| Loan and lease loss provision to assets | -1.2967% | 6,712 |
| Net operating income to assets | 1.6048% | 664 |
| Return on assets (ROA) | 1.6048% | 692 |
| Pretax return on assets | 1.6072% | 1,155 |
| Return on Equity (ROE) | 15.3943% | 721 |
| Retained earnings to average equity (ytd only) | 15.3943% | 304 |
| Net charge-offs to loans | -1.5860% | 6,658 |
| Credit loss provision to net charge-offs | 105.3554% | 1,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4653% | 915 |
| Assets per employee ($millions) | 5.0008% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8805% | 208 |
| Loan loss allowance to noncurrent loans | 76.7552% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 4.6647% | 461 |
| Noncurrent loans to loans | 5.0557% | 436 |
| Net loans and leases to total assets | 74.6018% | 1,171 |
| Net loans and leases to deposits | 118.2313% | 85 |
| Net loans and leases to core deposits | 126.4278% | 221 |
| Total domestic deposits to total assets | 63.0982% | 6,604 |
| Equity capital to assets | 10.5826% | 3,165 |
| Core capital (leverage) ratio | 10.5639% | 2,855 |
| Tier 1 risk-based capital ratio | 16.1065% | 3,120 |
| Total risk-based capital ratio | 17.3982% | 3,053 |
| Memoranda: | ||
| Average total assets | $333,758,000 | 1,966 |
| Average earning assets | $312,995,000 | 1,922 |
| Average equity | $34,792,000 | 1,992 |
| Average total loans | $259,019,000 | 1,641 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 1,040 |
| Cost of funding earning assets | 1.3296% | 98 |
| Net interest margin | 3.5993% | 3,469 |
| Noninterest income to average assets | 0.0454% | 6,558 |
| Noninterest expense to average assets | 3.2802% | 2,192 |
| Loan and lease loss provision to assets | 0.1176% | 2,851 |
| Net operating income to assets | -0.0420% | 6,250 |
| Return on assets (ROA) | -0.0420% | 6,285 |
| Pretax return on assets | -0.0415% | 6,258 |
| Return on Equity (ROE) | -0.4429% | 6,294 |
| Retained earnings to average equity (ytd only) | -0.4429% | 5,961 |
| Net charge-offs to loans | 0.8159% | 764 |
| Credit loss provision to net charge-offs | 19.3730% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.1254% | 5,037 |
| Efficiency ratio | 97.5632% | 559 |
| Assets per employee ($millions) | 4.9622% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9327% | 209 |
| Loan loss allowance to noncurrent loans | 57.5235% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 5.9321% | 326 |
| Noncurrent loans to loans | 6.8366% | 253 |
| Net loans and leases to total assets | 74.5483% | 1,277 |
| Net loans and leases to deposits | 114.3506% | 114 |
| Net loans and leases to core deposits | 122.9534% | 289 |
| Total domestic deposits to total assets | 65.1927% | 6,648 |
| Equity capital to assets | 10.2648% | 3,430 |
| Core capital (leverage) ratio | 10.2400% | 3,231 |
| Tier 1 risk-based capital ratio | 15.6538% | 3,274 |
| Total risk-based capital ratio | 16.9462% | 3,214 |
| Memoranda: | ||
| Average total assets | $352,142,200 | 1,840 |
| Average earning assets | $323,920,200 | 1,832 |
| Average equity | $33,419,200 | 2,061 |
| Average total loans | $261,904,800 | 1,581 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 1,230 |
| Cost of funding earning assets | 1.3434% | 100 |
| Net interest margin | 3.5100% | 3,835 |
| Noninterest income to average assets | -0.0344% | 6,783 |
| Noninterest expense to average assets | 3.2098% | 2,337 |
| Loan and lease loss provision to assets | 0.1546% | 2,332 |
| Net operating income to assets | -0.1871% | 6,458 |
| Return on assets (ROA) | -0.1871% | 6,481 |
| Pretax return on assets | -0.1860% | 6,466 |
| Return on Equity (ROE) | -2.0094% | 6,485 |
| Retained earnings to average equity (ytd only) | -2.0094% | 6,269 |
| Net charge-offs to loans | 0.9860% | 583 |
| Credit loss provision to net charge-offs | 21.2963% | 4,053 |
| Earnings coverage of net charge-offs (x) | -0.0432% | 4,866 |
| Efficiency ratio | 100.8811% | 435 |
| Assets per employee ($millions) | 5.0820% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9323% | 253 |
| Loan loss allowance to noncurrent loans | 51.5301% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 7.7190% | 244 |
| Noncurrent loans to loans | 7.6310% | 246 |
| Net loans and leases to total assets | 73.0926% | 1,432 |
| Net loans and leases to deposits | 113.8024% | 114 |
| Net loans and leases to core deposits | 122.8211% | 278 |
| Total domestic deposits to total assets | 64.2276% | 6,745 |
| Equity capital to assets | 9.7748% | 4,215 |
| Core capital (leverage) ratio | 9.7463% | 4,038 |
| Tier 1 risk-based capital ratio | 14.7937% | 3,876 |
| Total risk-based capital ratio | 16.0846% | 3,812 |
| Memoranda: | ||
| Average total assets | $357,061,500 | 1,825 |
| Average earning assets | $326,833,500 | 1,826 |
| Average equity | $33,242,250 | 2,096 |
| Average total loans | $262,882,750 | 1,586 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 1,060 |
| Cost of funding earning assets | 1.3798% | 94 |
| Net interest margin | 3.5352% | 3,631 |
| Noninterest income to average assets | -0.1291% | 6,856 |
| Noninterest expense to average assets | 3.2098% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1175% | 6,420 |
| Return on assets (ROA) | -0.1175% | 6,466 |
| Pretax return on assets | -0.1158% | 6,437 |
| Return on Equity (ROE) | -1.2824% | 6,478 |
| Retained earnings to average equity (ytd only) | -1.2824% | 6,092 |
| Net charge-offs to loans | 0.9815% | 622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.1620% | 4,606 |
| Efficiency ratio | 103.6002% | 389 |
| Assets per employee ($millions) | 5.7580% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3163% | 198 |
| Loan loss allowance to noncurrent loans | 57.3356% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 7.1431% | 329 |
| Noncurrent loans to loans | 7.5281% | 292 |
| Net loans and leases to total assets | 67.8813% | 2,266 |
| Net loans and leases to deposits | 101.6026% | 349 |
| Net loans and leases to core deposits | 109.1625% | 595 |
| Total domestic deposits to total assets | 66.8106% | 6,743 |
| Equity capital to assets | 9.5328% | 4,543 |
| Core capital (leverage) ratio | 9.4843% | 4,270 |
| Tier 1 risk-based capital ratio | 14.9764% | 3,794 |
| Total risk-based capital ratio | 16.2706% | 3,729 |
| Memoranda: | ||
| Average total assets | $360,890,670 | 1,815 |
| Average earning assets | $329,035,670 | 1,818 |
| Average equity | $33,063,330 | 2,105 |
| Average total loans | $262,867,670 | 1,589 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 1,342 |
| Cost of funding earning assets | 1.3713% | 116 |
| Net interest margin | 3.4022% | 4,103 |
| Noninterest income to average assets | -0.2930% | 6,968 |
| Noninterest expense to average assets | 3.1232% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3060% | 6,580 |
| Return on assets (ROA) | -0.3060% | 6,614 |
| Pretax return on assets | -0.3039% | 6,602 |
| Return on Equity (ROE) | -3.4050% | 6,626 |
| Retained earnings to average equity (ytd only) | -3.4050% | 6,225 |
| Net charge-offs to loans | 2.0887% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.1973% | 3,872 |
| Efficiency ratio | 110.6620% | 320 |
| Assets per employee ($millions) | 5.5900% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0059% | 287 |
| Loan loss allowance to noncurrent loans | 39.2194% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 9.8910% | 198 |
| Noncurrent loans to loans | 10.2142% | 203 |
| Net loans and leases to total assets | 68.9175% | 1,858 |
| Net loans and leases to deposits | 100.7670% | 323 |
| Net loans and leases to core deposits | 109.2571% | 516 |
| Total domestic deposits to total assets | 68.3929% | 6,797 |
| Equity capital to assets | 9.0788% | 5,389 |
| Core capital (leverage) ratio | 9.0002% | 4,890 |
| Tier 1 risk-based capital ratio | 13.9352% | 4,554 |
| Total risk-based capital ratio | 15.2249% | 4,484 |
| Memoranda: | ||
| Average total assets | $368,595,500 | 1,791 |
| Average earning assets | $337,196,000 | 1,794 |
| Average equity | $33,128,000 | 2,121 |
| Average total loans | $271,753,500 | 1,562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4629% | 673 |
| Cost of funding earning assets | 1.5611% | 124 |
| Net interest margin | 3.9018% | 2,822 |
| Noninterest income to average assets | 0.5496% | 3,583 |
| Noninterest expense to average assets | 3.1771% | 2,689 |
| Loan and lease loss provision to assets | 0.3017% | 2,264 |
| Net operating income to assets | 0.4661% | 4,817 |
| Return on assets (ROA) | 0.4748% | 5,037 |
| Pretax return on assets | 0.6850% | 4,713 |
| Return on Equity (ROE) | 5.6938% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.6938% | 2,261 |
| Net charge-offs to loans | 2.0530% | 353 |
| Credit loss provision to net charge-offs | 17.9758% | 5,308 |
| Earnings coverage of net charge-offs (x) | 0.5804% | 5,198 |
| Efficiency ratio | 75.1878% | 2,878 |
| Assets per employee ($millions) | 5.2653% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1993% | 251 |
| Loan loss allowance to noncurrent loans | 32.1514% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 12.0584% | 141 |
| Noncurrent loans to loans | 13.0610% | 122 |
| Net loans and leases to total assets | 72.4309% | 1,430 |
| Net loans and leases to deposits | 104.7749% | 246 |
| Net loans and leases to core deposits | 113.3362% | 430 |
| Total domestic deposits to total assets | 69.1300% | 6,821 |
| Equity capital to assets | 8.8990% | 5,637 |
| Core capital (leverage) ratio | 8.8180% | 5,151 |
| Tier 1 risk-based capital ratio | 13.1153% | 5,026 |
| Total risk-based capital ratio | 14.4083% | 4,940 |
| Memoranda: | ||
| Average total assets | $394,478,800 | 1,660 |
| Average earning assets | $364,113,800 | 1,641 |
| Average equity | $32,895,200 | 2,095 |
| Average total loans | $322,458,200 | 1,307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5568% | 606 |
| Cost of funding earning assets | 1.6022% | 124 |
| Net interest margin | 3.9545% | 2,686 |
| Noninterest income to average assets | 0.8110% | 2,188 |
| Noninterest expense to average assets | 3.0840% | 2,930 |
| Loan and lease loss provision to assets | 0.3970% | 1,614 |
| Net operating income to assets | 0.7083% | 3,884 |
| Return on assets (ROA) | 0.7203% | 4,070 |
| Pretax return on assets | 1.0035% | 3,692 |
| Return on Equity (ROE) | 8.7757% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.7757% | 1,312 |
| Net charge-offs to loans | 0.6037% | 1,827 |
| Credit loss provision to net charge-offs | 79.0698% | 3,652 |
| Earnings coverage of net charge-offs (x) | 2.7561% | 3,931 |
| Efficiency ratio | 67.5030% | 4,176 |
| Assets per employee ($millions) | 5.6527% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4700% | 105 |
| Loan loss allowance to noncurrent loans | 39.7677% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 11.7071% | 172 |
| Noncurrent loans to loans | 13.7550% | 114 |
| Net loans and leases to total assets | 76.3582% | 917 |
| Net loans and leases to deposits | 110.7097% | 147 |
| Net loans and leases to core deposits | 119.5436% | 321 |
| Total domestic deposits to total assets | 68.9715% | 6,884 |
| Equity capital to assets | 8.7582% | 6,061 |
| Core capital (leverage) ratio | 8.6477% | 5,556 |
| Tier 1 risk-based capital ratio | 12.6053% | 5,560 |
| Total risk-based capital ratio | 13.9194% | 5,467 |
| Memoranda: | ||
| Average total assets | $399,638,750 | 1,653 |
| Average earning assets | $369,558,000 | 1,634 |
| Average equity | $32,802,000 | 2,117 |
| Average total loans | $332,411,750 | 1,278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7103% | 477 |
| Cost of funding earning assets | 1.6748% | 113 |
| Net interest margin | 4.0356% | 2,360 |
| Noninterest income to average assets | 1.3787% | 760 |
| Noninterest expense to average assets | 2.9754% | 3,352 |
| Loan and lease loss provision to assets | 0.5243% | 1,192 |
| Net operating income to assets | 1.1964% | 1,731 |
| Return on assets (ROA) | 1.2147% | 1,860 |
| Pretax return on assets | 1.6332% | 1,443 |
| Return on Equity (ROE) | 15.1195% | 919 |
| Retained earnings to average equity (ytd only) | 15.1195% | 278 |
| Net charge-offs to loans | 0.2967% | 2,837 |
| Credit loss provision to net charge-offs | 210.5159% | 1,339 |
| Earnings coverage of net charge-offs (x) | 8.5635% | 2,274 |
| Efficiency ratio | 56.4284% | 6,069 |
| Assets per employee ($millions) | 5.5856% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4808% | 108 |
| Loan loss allowance to noncurrent loans | 40.6854% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 12.1275% | 175 |
| Noncurrent loans to loans | 13.4712% | 129 |
| Net loans and leases to total assets | 78.7570% | 644 |
| Net loans and leases to deposits | 113.4023% | 109 |
| Net loans and leases to core deposits | 121.5850% | 286 |
| Total domestic deposits to total assets | 69.4492% | 6,932 |
| Equity capital to assets | 8.6797% | 6,050 |
| Core capital (leverage) ratio | 8.5723% | 5,555 |
| Tier 1 risk-based capital ratio | 12.0244% | 5,911 |
| Total risk-based capital ratio | 13.3382% | 5,855 |
| Memoranda: | ||
| Average total assets | $404,724,330 | 1,630 |
| Average earning assets | $374,023,330 | 1,619 |
| Average equity | $32,514,330 | 2,120 |
| Average total loans | $339,718,670 | 1,253 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7871% | 434 |
| Cost of funding earning assets | 1.7096% | 121 |
| Net interest margin | 4.0775% | 2,183 |
| Noninterest income to average assets | 0.6064% | 3,188 |
| Noninterest expense to average assets | 2.9321% | 3,500 |
| Loan and lease loss provision to assets | 0.9320% | 468 |
| Net operating income to assets | 0.4315% | 5,120 |
| Return on assets (ROA) | 0.4315% | 5,306 |
| Pretax return on assets | 0.5044% | 5,412 |
| Return on Equity (ROE) | 5.5844% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.5844% | 3,218 |
| Net charge-offs to loans | 0.5838% | 1,637 |
| Credit loss provision to net charge-offs | 189.5257% | 1,390 |
| Earnings coverage of net charge-offs (x) | 2.9209% | 3,014 |
| Efficiency ratio | 63.1368% | 5,079 |
| Assets per employee ($millions) | 5.7588% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2170% | 146 |
| Loan loss allowance to noncurrent loans | 38.0764% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 12.3705% | 189 |
| Noncurrent loans to loans | 13.7013% | 148 |
| Net loans and leases to total assets | 78.8803% | 501 |
| Net loans and leases to deposits | 110.7231% | 132 |
| Net loans and leases to core deposits | 123.8692% | 254 |
| Total domestic deposits to total assets | 71.2411% | 6,921 |
| Equity capital to assets | 7.8356% | 6,621 |
| Core capital (leverage) ratio | 7.7011% | 6,485 |
| Tier 1 risk-based capital ratio | 10.9197% | 6,575 |
| Total risk-based capital ratio | 12.2305% | 6,535 |
| Memoranda: | ||
| Average total assets | $411,589,000 | 1,613 |
| Average earning assets | $379,738,500 | 1,597 |
| Average equity | $31,803,000 | 2,166 |
| Average total loans | $346,682,000 | 1,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0672% | 386 |
| Cost of funding earning assets | 1.7377% | 281 |
| Net interest margin | 4.3296% | 1,606 |
| Noninterest income to average assets | -0.7916% | 7,308 |
| Noninterest expense to average assets | 2.9460% | 3,790 |
| Loan and lease loss provision to assets | 2.7076% | 152 |
| Net operating income to assets | -2.7304% | 7,144 |
| Return on assets (ROA) | -2.7304% | 7,154 |
| Pretax return on assets | -2.4523% | 7,112 |
| Return on Equity (ROE) | -31.3504% | 7,106 |
| Retained earnings to average equity (ytd only) | -31.3504% | 7,099 |
| Net charge-offs to loans | 3.9348% | 160 |
| Credit loss provision to net charge-offs | 79.3691% | 4,484 |
| Earnings coverage of net charge-offs (x) | 0.0748% | 5,772 |
| Efficiency ratio | 92.0245% | 1,046 |
| Assets per employee ($millions) | 5.5987% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8993% | 193 |
| Loan loss allowance to noncurrent loans | 39.2463% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 12.2560% | 196 |
| Noncurrent loans to loans | 12.4835% | 196 |
| Net loans and leases to total assets | 81.0496% | 407 |
| Net loans and leases to deposits | 112.9894% | 132 |
| Net loans and leases to core deposits | 126.8807% | 271 |
| Total domestic deposits to total assets | 71.7320% | 6,887 |
| Equity capital to assets | 7.6195% | 6,762 |
| Core capital (leverage) ratio | 7.2716% | 6,756 |
| Tier 1 risk-based capital ratio | 10.3093% | 6,764 |
| Total risk-based capital ratio | 11.6149% | 6,722 |
| Memoranda: | ||
| Average total assets | $448,840,200 | 1,458 |
| Average earning assets | $413,945,800 | 1,445 |
| Average equity | $39,090,400 | 1,725 |
| Average total loans | $389,143,600 | 1,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0931% | 392 |
| Cost of funding earning assets | 1.7423% | 332 |
| Net interest margin | 4.3507% | 1,560 |
| Noninterest income to average assets | -0.1294% | 7,231 |
| Noninterest expense to average assets | 3.3260% | 2,420 |
| Loan and lease loss provision to assets | 2.4738% | 183 |
| Net operating income to assets | -2.5510% | 7,215 |
| Return on assets (ROA) | -2.5510% | 7,224 |
| Pretax return on assets | -1.9134% | 7,108 |
| Return on Equity (ROE) | -28.4845% | 7,186 |
| Retained earnings to average equity (ytd only) | -28.4845% | 7,178 |
| Net charge-offs to loans | 3.6531% | 200 |
| Credit loss provision to net charge-offs | 77.8073% | 4,216 |
| Earnings coverage of net charge-offs (x) | 0.1763% | 5,469 |
| Efficiency ratio | 85.5793% | 1,576 |
| Assets per employee ($millions) | 5.7058% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7813% | 461 |
| Loan loss allowance to noncurrent loans | 33.3238% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 11.1999% | 275 |
| Noncurrent loans to loans | 11.3470% | 269 |
| Net loans and leases to total assets | 84.1564% | 211 |
| Net loans and leases to deposits | 119.4743% | 90 |
| Net loans and leases to core deposits | 134.5589% | 205 |
| Total domestic deposits to total assets | 70.4389% | 7,019 |
| Equity capital to assets | 8.2351% | 6,539 |
| Core capital (leverage) ratio | 8.1629% | 6,176 |
| Tier 1 risk-based capital ratio | 10.9211% | 6,590 |
| Total risk-based capital ratio | 12.2105% | 6,540 |
| Memoranda: | ||
| Average total assets | $457,474,500 | 1,447 |
| Average earning assets | $422,262,000 | 1,439 |
| Average equity | $40,971,000 | 1,640 |
| Average total loans | $398,157,000 | 1,080 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0228% | 463 |
| Cost of funding earning assets | 1.7473% | 393 |
| Net interest margin | 4.2755% | 1,747 |
| Noninterest income to average assets | 0.0963% | 6,846 |
| Noninterest expense to average assets | 3.0753% | 3,347 |
| Loan and lease loss provision to assets | 1.9922% | 308 |
| Net operating income to assets | -0.5997% | 6,757 |
| Return on assets (ROA) | -0.5997% | 6,770 |
| Pretax return on assets | -1.0225% | 6,902 |
| Return on Equity (ROE) | -6.5385% | 6,808 |
| Retained earnings to average equity (ytd only) | -6.5385% | 6,690 |
| Net charge-offs to loans | 3.3665% | 278 |
| Credit loss provision to net charge-offs | 68.0944% | 4,109 |
| Earnings coverage of net charge-offs (x) | 0.3314% | 5,070 |
| Efficiency ratio | 76.0274% | 3,006 |
| Assets per employee ($millions) | 5.7288% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6322% | 544 |
| Loan loss allowance to noncurrent loans | 34.4539% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 10.7173% | 339 |
| Noncurrent loans to loans | 10.5422% | 348 |
| Net loans and leases to total assets | 84.2832% | 228 |
| Net loans and leases to deposits | 119.9769% | 88 |
| Net loans and leases to core deposits | 136.0502% | 211 |
| Total domestic deposits to total assets | 70.2495% | 7,094 |
| Equity capital to assets | 9.4238% | 4,932 |
| Core capital (leverage) ratio | 8.8670% | 4,934 |
| Tier 1 risk-based capital ratio | 11.9426% | 5,833 |
| Total risk-based capital ratio | 13.2303% | 5,774 |
| Memoranda: | ||
| Average total assets | $469,223,670 | 1,430 |
| Average earning assets | $433,352,670 | 1,419 |
| Average equity | $43,037,670 | 1,555 |
| Average total loans | $407,777,670 | 1,054 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8977% | 601 |
| Cost of funding earning assets | 1.7225% | 505 |
| Net interest margin | 4.1752% | 1,980 |
| Noninterest income to average assets | 0.1107% | 6,859 |
| Noninterest expense to average assets | 2.7718% | 4,554 |
| Loan and lease loss provision to assets | 1.0324% | 729 |
| Net operating income to assets | 0.1091% | 6,072 |
| Return on assets (ROA) | 0.1091% | 6,125 |
| Pretax return on assets | 0.1815% | 5,982 |
| Return on Equity (ROE) | 1.2046% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.2046% | 5,340 |
| Net charge-offs to loans | 2.6032% | 424 |
| Credit loss provision to net charge-offs | 45.7733% | 3,840 |
| Earnings coverage of net charge-offs (x) | 0.5382% | 4,216 |
| Efficiency ratio | 69.5425% | 4,366 |
| Assets per employee ($millions) | 6.2698% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5147% | 596 |
| Loan loss allowance to noncurrent loans | 33.2142% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 10.0561% | 411 |
| Noncurrent loans to loans | 10.5820% | 359 |
| Net loans and leases to total assets | 81.8870% | 352 |
| Net loans and leases to deposits | 113.8932% | 134 |
| Net loans and leases to core deposits | 137.1194% | 217 |
| Total domestic deposits to total assets | 71.8981% | 7,082 |
| Equity capital to assets | 9.1444% | 4,966 |
| Core capital (leverage) ratio | 8.7094% | 5,075 |
| Tier 1 risk-based capital ratio | 11.6997% | 5,940 |
| Total risk-based capital ratio | 12.9840% | 5,914 |
| Memoranda: | ||
| Average total assets | $480,412,000 | 1,409 |
| Average earning assets | $445,872,000 | 1,387 |
| Average equity | $43,501,500 | 1,533 |
| Average total loans | $416,260,500 | 1,041 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0931% | 708 |
| Cost of funding earning assets | 1.8057% | 1,149 |
| Net interest margin | 4.2875% | 1,866 |
| Noninterest income to average assets | 0.2253% | 6,192 |
| Noninterest expense to average assets | 2.5811% | 5,496 |
| Loan and lease loss provision to assets | 1.7409% | 808 |
| Net operating income to assets | -0.3940% | 6,308 |
| Return on assets (ROA) | -0.3940% | 6,336 |
| Pretax return on assets | -0.0535% | 5,957 |
| Return on Equity (ROE) | -4.8722% | 6,425 |
| Retained earnings to average equity (ytd only) | -4.8722% | 6,285 |
| Net charge-offs to loans | 1.0706% | 2,069 |
| Credit loss provision to net charge-offs | 185.6263% | 1,771 |
| Earnings coverage of net charge-offs (x) | 1.7992% | 4,369 |
| Efficiency ratio | 60.4692% | 5,976 |
| Assets per employee ($millions) | 6.2092% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6446% | 530 |
| Loan loss allowance to noncurrent loans | 39.6579% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 8.7505% | 527 |
| Noncurrent loans to loans | 9.1902% | 495 |
| Net loans and leases to total assets | 85.1729% | 230 |
| Net loans and leases to deposits | 117.8410% | 129 |
| Net loans and leases to core deposits | 144.7344% | 195 |
| Total domestic deposits to total assets | 72.2778% | 7,064 |
| Equity capital to assets | 8.9671% | 5,189 |
| Core capital (leverage) ratio | 8.8166% | 4,832 |
| Tier 1 risk-based capital ratio | 11.7612% | 5,681 |
| Total risk-based capital ratio | 13.0488% | 5,648 |
| Memoranda: | ||
| Average total assets | $519,284,600 | 1,284 |
| Average earning assets | $489,681,400 | 1,259 |
| Average equity | $41,993,000 | 1,576 |
| Average total loans | $454,868,800 | 989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1093% | 747 |
| Cost of funding earning assets | 1.8097% | 1,382 |
| Net interest margin | 4.2996% | 1,851 |
| Noninterest income to average assets | 0.0775% | 7,147 |
| Noninterest expense to average assets | 2.5650% | 5,449 |
| Loan and lease loss provision to assets | 1.8175% | 687 |
| Net operating income to assets | -0.6159% | 6,676 |
| Return on assets (ROA) | -0.6159% | 6,720 |
| Pretax return on assets | -0.2482% | 6,362 |
| Return on Equity (ROE) | -7.8107% | 6,825 |
| Retained earnings to average equity (ytd only) | -7.8107% | 6,758 |
| Net charge-offs to loans | 0.9547% | 2,086 |
| Credit loss provision to net charge-offs | 217.7912% | 1,591 |
| Earnings coverage of net charge-offs (x) | 1.8805% | 4,300 |
| Efficiency ratio | 62.0412% | 5,612 |
| Assets per employee ($millions) | 6.6995% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3388% | 610 |
| Loan loss allowance to noncurrent loans | 46.5655% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 7.0207% | 769 |
| Noncurrent loans to loans | 7.1701% | 765 |
| Net loans and leases to total assets | 85.3004% | 246 |
| Net loans and leases to deposits | 116.2732% | 153 |
| Net loans and leases to core deposits | 149.8885% | 194 |
| Total domestic deposits to total assets | 73.3621% | 7,000 |
| Equity capital to assets | 8.4470% | 6,339 |
| Core capital (leverage) ratio | 8.3459% | 5,797 |
| Tier 1 risk-based capital ratio | 11.3211% | 6,081 |
| Total risk-based capital ratio | 12.6050% | 6,039 |
| Memoranda: | ||
| Average total assets | $528,026,750 | 1,278 |
| Average earning assets | $498,201,750 | 1,248 |
| Average equity | $41,634,000 | 1,590 |
| Average total loans | $461,558,750 | 984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 746 |
| Cost of funding earning assets | 1.7954% | 1,659 |
| Net interest margin | 4.3105% | 1,734 |
| Noninterest income to average assets | -0.0389% | 7,577 |
| Noninterest expense to average assets | 2.4061% | 6,055 |
| Loan and lease loss provision to assets | 2.0430% | 604 |
| Net operating income to assets | -0.9201% | 6,910 |
| Return on assets (ROA) | -0.9201% | 6,928 |
| Pretax return on assets | -0.4170% | 6,529 |
| Return on Equity (ROE) | -11.9391% | 7,041 |
| Retained earnings to average equity (ytd only) | -11.9391% | 6,999 |
| Net charge-offs to loans | 0.5257% | 2,958 |
| Credit loss provision to net charge-offs | 445.9150% | 813 |
| Earnings coverage of net charge-offs (x) | 3.5490% | 3,278 |
| Efficiency ratio | 59.6732% | 6,105 |
| Assets per employee ($millions) | 7.3609% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2090% | 695 |
| Loan loss allowance to noncurrent loans | 49.3576% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 6.1983% | 930 |
| Noncurrent loans to loans | 6.5015% | 919 |
| Net loans and leases to total assets | 80.1774% | 767 |
| Net loans and leases to deposits | 106.3275% | 378 |
| Net loans and leases to core deposits | 146.4562% | 233 |
| Total domestic deposits to total assets | 75.4061% | 6,795 |
| Equity capital to assets | 7.7962% | 6,931 |
| Core capital (leverage) ratio | 7.6805% | 6,636 |
| Tier 1 risk-based capital ratio | 10.7164% | 6,514 |
| Total risk-based capital ratio | 11.9969% | 6,473 |
| Memoranda: | ||
| Average total assets | $534,314,000 | 1,276 |
| Average earning assets | $504,628,670 | 1,237 |
| Average equity | $41,175,670 | 1,603 |
| Average total loans | $465,637,670 | 983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 616 |
| Cost of funding earning assets | 1.7960% | 1,892 |
| Net interest margin | 4.4235% | 1,321 |
| Noninterest income to average assets | 0.1332% | 7,020 |
| Noninterest expense to average assets | 2.4772% | 5,815 |
| Loan and lease loss provision to assets | 3.9198% | 226 |
| Net operating income to assets | -2.6469% | 7,583 |
| Return on assets (ROA) | -2.6469% | 7,582 |
| Pretax return on assets | -2.0844% | 7,434 |
| Return on Equity (ROE) | -34.5596% | 7,612 |
| Retained earnings to average equity (ytd only) | -34.5596% | 7,592 |
| Net charge-offs to loans | 0.4734% | 2,630 |
| Credit loss provision to net charge-offs | 926.0791% | 500 |
| Earnings coverage of net charge-offs (x) | 4.3363% | 2,656 |
| Efficiency ratio | 57.4404% | 6,572 |
| Assets per employee ($millions) | 6.7788% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1987% | 694 |
| Loan loss allowance to noncurrent loans | 51.5675% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 5.9323% | 1,019 |
| Noncurrent loans to loans | 6.2030% | 1,042 |
| Net loans and leases to total assets | 86.0459% | 212 |
| Net loans and leases to deposits | 115.2105% | 192 |
| Net loans and leases to core deposits | 185.2034% | 120 |
| Total domestic deposits to total assets | 74.6858% | 6,950 |
| Equity capital to assets | 7.9238% | 6,733 |
| Core capital (leverage) ratio | 7.8205% | 6,472 |
| Tier 1 risk-based capital ratio | 10.6027% | 6,538 |
| Total risk-based capital ratio | 11.8850% | 6,495 |
| Memoranda: | ||
| Average total assets | $525,437,500 | 1,325 |
| Average earning assets | $496,443,500 | 1,291 |
| Average equity | $40,243,500 | 1,671 |
| Average total loans | $469,802,500 | 1,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3549% | 924 |
| Cost of funding earning assets | 2.1602% | 2,187 |
| Net interest margin | 4.1947% | 2,082 |
| Noninterest income to average assets | 0.2820% | 6,091 |
| Noninterest expense to average assets | 2.3386% | 6,639 |
| Loan and lease loss provision to assets | 3.1817% | 519 |
| Net operating income to assets | -0.6647% | 6,325 |
| Return on assets (ROA) | -0.6624% | 6,327 |
| Pretax return on assets | -1.2306% | 6,556 |
| Return on Equity (ROE) | -8.5690% | 6,515 |
| Retained earnings to average equity (ytd only) | -8.5690% | 6,398 |
| Net charge-offs to loans | 1.7842% | 1,404 |
| Credit loss provision to net charge-offs | 198.9822% | 1,972 |
| Earnings coverage of net charge-offs (x) | 1.2180% | 4,909 |
| Efficiency ratio | 54.5616% | 7,169 |
| Assets per employee ($millions) | 6.0713% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 1,603 |
| Loan loss allowance to noncurrent loans | 35.4740% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 6.0334% | 937 |
| Noncurrent loans to loans | 6.2670% | 979 |
| Net loans and leases to total assets | 87.9413% | 175 |
| Net loans and leases to deposits | 117.7714% | 204 |
| Net loans and leases to core deposits | 210.0850% | 82 |
| Total domestic deposits to total assets | 74.6712% | 6,920 |
| Equity capital to assets | 7.3909% | 7,127 |
| Core capital (leverage) ratio | 7.2865% | 6,998 |
| Tier 1 risk-based capital ratio | 9.7117% | 7,091 |
| Total risk-based capital ratio | 10.9793% | 7,057 |
| Memoranda: | ||
| Average total assets | $473,104,600 | 1,472 |
| Average earning assets | $451,622,800 | 1,399 |
| Average equity | $36,573,600 | 1,840 |
| Average total loans | $424,004,200 | 1,135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4297% | 877 |
| Cost of funding earning assets | 2.2332% | 2,263 |
| Net interest margin | 4.1965% | 2,073 |
| Noninterest income to average assets | 0.1105% | 7,351 |
| Noninterest expense to average assets | 2.3831% | 6,468 |
| Loan and lease loss provision to assets | 1.1385% | 1,712 |
| Net operating income to assets | 0.3840% | 4,460 |
| Return on assets (ROA) | 0.3871% | 4,552 |
| Pretax return on assets | 0.6105% | 4,157 |
| Return on Equity (ROE) | 4.9459% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.9459% | 2,517 |
| Net charge-offs to loans | 1.0185% | 1,936 |
| Credit loss provision to net charge-offs | 124.8414% | 4,036 |
| Earnings coverage of net charge-offs (x) | 1.9124% | 4,376 |
| Efficiency ratio | 57.7427% | 6,754 |
| Assets per employee ($millions) | 5.7792% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 7,102 |
| Loan loss allowance to noncurrent loans | 32.6003% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 2.4061% | 2,860 |
| Noncurrent loans to loans | 2.4669% | 3,054 |
| Net loans and leases to total assets | 88.5963% | 172 |
| Net loans and leases to deposits | 115.5275% | 278 |
| Net loans and leases to core deposits | 199.5561% | 103 |
| Total domestic deposits to total assets | 76.6885% | 6,429 |
| Equity capital to assets | 7.5087% | 7,287 |
| Core capital (leverage) ratio | 7.4754% | 7,007 |
| Tier 1 risk-based capital ratio | 10.0334% | 6,943 |
| Total risk-based capital ratio | 10.9981% | 7,158 |
| Memoranda: | ||
| Average total assets | $460,848,750 | 1,513 |
| Average earning assets | $441,087,250 | 1,442 |
| Average equity | $36,069,500 | 1,885 |
| Average total loans | $412,603,750 | 1,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4110% | 985 |
| Cost of funding earning assets | 2.3276% | 2,244 |
| Net interest margin | 4.0834% | 2,380 |
| Noninterest income to average assets | 0.1845% | 6,973 |
| Noninterest expense to average assets | 2.5151% | 6,073 |
| Loan and lease loss provision to assets | 0.9545% | 1,773 |
| Net operating income to assets | 0.3982% | 4,520 |
| Return on assets (ROA) | 0.4031% | 4,616 |
| Pretax return on assets | 0.6339% | 4,223 |
| Return on Equity (ROE) | 5.0692% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.0692% | 2,470 |
| Net charge-offs to loans | 0.8976% | 1,904 |
| Credit loss provision to net charge-offs | 118.6584% | 3,922 |
| Earnings coverage of net charge-offs (x) | 1.9651% | 4,115 |
| Efficiency ratio | 61.4082% | 6,325 |
| Assets per employee ($millions) | 5.3572% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 7,295 |
| Loan loss allowance to noncurrent loans | 36.1316% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 1.8851% | 3,356 |
| Noncurrent loans to loans | 2.0839% | 3,407 |
| Net loans and leases to total assets | 89.7809% | 146 |
| Net loans and leases to deposits | 116.8508% | 306 |
| Net loans and leases to core deposits | 169.2926% | 326 |
| Total domestic deposits to total assets | 76.8338% | 6,366 |
| Equity capital to assets | 7.7688% | 7,012 |
| Core capital (leverage) ratio | 7.7524% | 6,670 |
| Tier 1 risk-based capital ratio | 10.1546% | 6,768 |
| Total risk-based capital ratio | 11.0471% | 7,087 |
| Memoranda: | ||
| Average total assets | $441,088,670 | 1,605 |
| Average earning assets | $422,493,330 | 1,533 |
| Average equity | $35,074,330 | 1,933 |
| Average total loans | $395,288,000 | 1,256 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5180% | 837 |
| Cost of funding earning assets | 2.3954% | 2,315 |
| Net interest margin | 4.1226% | 2,205 |
| Noninterest income to average assets | 0.2815% | 6,175 |
| Noninterest expense to average assets | 2.5965% | 5,464 |
| Loan and lease loss provision to assets | 0.4908% | 2,512 |
| Net operating income to assets | 0.7039% | 3,537 |
| Return on assets (ROA) | 0.7143% | 3,680 |
| Pretax return on assets | 1.1604% | 2,765 |
| Return on Equity (ROE) | 8.8658% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.8658% | 1,523 |
| Net charge-offs to loans | 0.4375% | 2,358 |
| Credit loss provision to net charge-offs | 125.8537% | 3,159 |
| Earnings coverage of net charge-offs (x) | 4.1927% | 2,950 |
| Efficiency ratio | 61.3621% | 6,186 |
| Assets per employee ($millions) | 5.0089% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 7,204 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 4,067 |
| Noncurrent loans to loans | 1.4619% | 4,112 |
| Net loans and leases to total assets | 88.4700% | 231 |
| Net loans and leases to deposits | 118.0322% | 333 |
| Net loans and leases to core deposits | 157.9855% | 525 |
| Total domestic deposits to total assets | 74.9542% | 6,722 |
| Equity capital to assets | 7.8705% | 6,985 |
| Core capital (leverage) ratio | 7.8516% | 6,689 |
| Tier 1 risk-based capital ratio | 10.0107% | 6,904 |
| Total risk-based capital ratio | 10.9060% | 7,217 |
| Memoranda: | ||
| Average total assets | $420,559,500 | 1,698 |
| Average earning assets | $402,946,000 | 1,618 |
| Average equity | $33,883,000 | 2,010 |
| Average total loans | $374,852,000 | 1,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8975% | 1,405 |
| Cost of funding earning assets | 2.9071% | 2,238 |
| Net interest margin | 3.9904% | 3,161 |
| Noninterest income to average assets | 0.2899% | 6,391 |
| Noninterest expense to average assets | 2.6258% | 5,552 |
| Loan and lease loss provision to assets | 0.3537% | 3,566 |
| Net operating income to assets | 0.6862% | 3,949 |
| Return on assets (ROA) | 0.7398% | 3,554 |
| Pretax return on assets | 1.2008% | 2,636 |
| Return on Equity (ROE) | 9.7316% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.7316% | 486 |
| Net charge-offs to loans | 0.0633% | 5,868 |
| Credit loss provision to net charge-offs | 640.6542% | 665 |
| Earnings coverage of net charge-offs (x) | 26.6402% | 1,276 |
| Efficiency ratio | 64.0995% | 5,535 |
| Assets per employee ($millions) | 4.7687% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 7,035 |
| Loan loss allowance to noncurrent loans | 106.3378% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 5,172 |
| Noncurrent loans to loans | 0.7690% | 5,111 |
| Net loans and leases to total assets | 88.3600% | 337 |
| Net loans and leases to deposits | 121.7954% | 353 |
| Net loans and leases to core deposits | 159.7303% | 581 |
| Total domestic deposits to total assets | 72.5479% | 6,907 |
| Equity capital to assets | 8.2567% | 6,472 |
| Core capital (leverage) ratio | 8.2499% | 6,058 |
| Tier 1 risk-based capital ratio | 10.5164% | 6,196 |
| Total risk-based capital ratio | 11.4451% | 6,390 |
| Memoranda: | ||
| Average total assets | $387,654,000 | 1,748 |
| Average earning assets | $369,786,800 | 1,685 |
| Average equity | $29,471,000 | 2,295 |
| Average total loans | $337,876,200 | 1,437 |