Home > Malvern Bank N.A. > Performance and Condition Ratios
Malvern Bank N.A., Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 2,503 |
| Cost of funding earning assets | 1.6016% | 1,064 |
| Net interest margin | 2.9583% | 3,548 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3319% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6146% | 3,544 |
| Return on assets (ROA) | 0.4263% | 3,954 |
| Pretax return on assets | 0.5991% | 3,806 |
| Return on Equity (ROE) | 2.5600% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.5597% | 3,587 |
| Net charge-offs to loans | -0.0012% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5787% | 1,394 |
| Assets per employee ($millions) | 13.4729% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,711 |
| Loan loss allowance to noncurrent loans | 50.6566% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 156 |
| Noncurrent loans to loans | 2.2691% | 217 |
| Net loans and leases to total assets | 80.7100% | 556 |
| Net loans and leases to deposits | 115.4398% | 125 |
| Net loans and leases to core deposits | 124.7346% | 417 |
| Total domestic deposits to total assets | 69.9100% | 4,364 |
| Equity capital to assets | 17.0585% | 387 |
| Core capital (leverage) ratio | 17.5986% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6076% | 587 |
| Memoranda: | ||
| Average total assets | $994,543,000 | 981 |
| Average earning assets | $929,723,333 | 960 |
| Average equity | $165,643,333 | 620 |
| Average total loans | $807,180,333 | 841 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 2,414 |
| Cost of funding earning assets | 1.3735% | 1,084 |
| Net interest margin | 3.0829% | 3,388 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5113% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4608% | 3,982 |
| Return on assets (ROA) | 0.4652% | 3,926 |
| Pretax return on assets | 0.6289% | 3,796 |
| Return on Equity (ROE) | 2.8300% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.8263% | 3,543 |
| Net charge-offs to loans | 0.0005% | 2,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,569.0000% | 54 |
| Efficiency ratio | 80.1141% | 826 |
| Assets per employee ($millions) | 13.4588% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 2,932 |
| Loan loss allowance to noncurrent loans | 61.0113% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5173% | 214 |
| Noncurrent loans to loans | 1.8448% | 330 |
| Net loans and leases to total assets | 80.2500% | 515 |
| Net loans and leases to deposits | 107.0867% | 227 |
| Net loans and leases to core deposits | 117.5438% | 502 |
| Total domestic deposits to total assets | 74.9400% | 4,229 |
| Equity capital to assets | 16.6296% | 364 |
| Core capital (leverage) ratio | 17.0115% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1318% | 645 |
| Memoranda: | ||
| Average total assets | $1,006,791,500 | 984 |
| Average earning assets | $943,274,000 | 962 |
| Average equity | $165,727,500 | 630 |
| Average total loans | $814,761,500 | 846 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 2,360 |
| Cost of funding earning assets | 0.5403% | 1,156 |
| Net interest margin | 3.2265% | 2,785 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.1671% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7804% | 3,396 |
| Return on assets (ROA) | 0.7719% | 3,361 |
| Pretax return on assets | 0.9721% | 3,154 |
| Return on Equity (ROE) | 5.0800% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.0785% | 3,015 |
| Net charge-offs to loans | 0.1123% | 670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.1898% | 2,158 |
| Efficiency ratio | 68.7981% | 1,865 |
| Assets per employee ($millions) | 13.3899% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 2,858 |
| Loan loss allowance to noncurrent loans | 59.9210% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 208 |
| Noncurrent loans to loans | 1.8491% | 317 |
| Net loans and leases to total assets | 79.8000% | 619 |
| Net loans and leases to deposits | 109.1551% | 174 |
| Net loans and leases to core deposits | 119.3387% | 380 |
| Total domestic deposits to total assets | 73.1100% | 4,386 |
| Equity capital to assets | 16.2959% | 371 |
| Core capital (leverage) ratio | 16.5346% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7651% | 648 |
| Memoranda: | ||
| Average total assets | $1,067,940,400 | 928 |
| Average earning assets | $969,698,400 | 933 |
| Average equity | $162,313,200 | 633 |
| Average total loans | $835,489,200 | 797 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 2,388 |
| Cost of funding earning assets | 0.4190% | 1,164 |
| Net interest margin | 3.1654% | 2,727 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1348% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7235% | 3,500 |
| Return on assets (ROA) | 0.7351% | 3,411 |
| Pretax return on assets | 0.9150% | 3,273 |
| Return on Equity (ROE) | 4.9200% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.9200% | 3,128 |
| Net charge-offs to loans | 0.1505% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.7064% | 2,067 |
| Efficiency ratio | 70.3321% | 1,721 |
| Assets per employee ($millions) | 13.5515% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,010 |
| Loan loss allowance to noncurrent loans | 63.8881% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.3884% | 260 |
| Noncurrent loans to loans | 1.7252% | 379 |
| Net loans and leases to total assets | 78.1700% | 690 |
| Net loans and leases to deposits | 103.0003% | 262 |
| Net loans and leases to core deposits | 113.2419% | 382 |
| Total domestic deposits to total assets | 75.8900% | 4,371 |
| Equity capital to assets | 15.6368% | 401 |
| Core capital (leverage) ratio | 16.2998% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3370% | 697 |
| Memoranda: | ||
| Average total assets | $1,080,518,250 | 920 |
| Average earning assets | $973,664,000 | 933 |
| Average equity | $161,433,500 | 647 |
| Average total loans | $839,063,250 | 790 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 2,253 |
| Cost of funding earning assets | 0.4097% | 860 |
| Net interest margin | 3.0514% | 2,716 |
| Noninterest income to average assets | 0.1850% | 4,080 |
| Noninterest expense to average assets | 2.2173% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5385% | 3,800 |
| Return on assets (ROA) | 0.5432% | 3,741 |
| Pretax return on assets | 0.6940% | 3,595 |
| Return on Equity (ROE) | 3.6902% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.6902% | 3,208 |
| Net charge-offs to loans | 0.1725% | 371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.1648% | 1,938 |
| Efficiency ratio | 76.3165% | 1,243 |
| Assets per employee ($millions) | 13.5174% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,066 |
| Loan loss allowance to noncurrent loans | 63.5123% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 165 |
| Noncurrent loans to loans | 1.7678% | 379 |
| Net loans and leases to total assets | 79.8015% | 422 |
| Net loans and leases to deposits | 102.4874% | 196 |
| Net loans and leases to core deposits | 105.8164% | 457 |
| Total domestic deposits to total assets | 77.8647% | 4,360 |
| Equity capital to assets | 15.7301% | 350 |
| Core capital (leverage) ratio | 15.3311% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8710% | 738 |
| Memoranda: | ||
| Average total assets | $1,092,870,000 | 909 |
| Average earning assets | $974,322,000 | 930 |
| Average equity | $160,856,667 | 658 |
| Average total loans | $843,843,000 | 773 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 2,160 |
| Cost of funding earning assets | 0.4151% | 798 |
| Net interest margin | 2.9606% | 2,637 |
| Noninterest income to average assets | 0.1834% | 4,062 |
| Noninterest expense to average assets | 2.3990% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2881% | 4,171 |
| Return on assets (ROA) | 0.3010% | 4,115 |
| Pretax return on assets | 0.3884% | 4,049 |
| Return on Equity (ROE) | 2.1111% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.1111% | 3,515 |
| Net charge-offs to loans | 0.3463% | 189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.4206% | 1,738 |
| Efficiency ratio | 86.5735% | 704 |
| Assets per employee ($millions) | 13.7513% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,179 |
| Loan loss allowance to noncurrent loans | 63.1793% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7890% | 175 |
| Noncurrent loans to loans | 1.7939% | 432 |
| Net loans and leases to total assets | 73.7423% | 678 |
| Net loans and leases to deposits | 94.0754% | 361 |
| Net loans and leases to core deposits | 97.0234% | 611 |
| Total domestic deposits to total assets | 78.3864% | 4,381 |
| Equity capital to assets | 14.6027% | 435 |
| Core capital (leverage) ratio | 14.2868% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3396% | 850 |
| Memoranda: | ||
| Average total assets | $1,125,643,000 | 896 |
| Average earning assets | $983,842,000 | 931 |
| Average equity | $160,485,500 | 676 |
| Average total loans | $851,200,000 | 762 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 2,484 |
| Cost of funding earning assets | 0.7040% | 317 |
| Net interest margin | 2.8569% | 3,538 |
| Noninterest income to average assets | 0.2354% | 3,970 |
| Noninterest expense to average assets | 1.7350% | 4,248 |
| Loan and lease loss provision to assets | 0.8905% | 44 |
| Net operating income to assets | 0.0647% | 4,648 |
| Return on assets (ROA) | 0.0967% | 4,630 |
| Pretax return on assets | 0.1099% | 4,628 |
| Return on Equity (ROE) | 0.7219% | 4,630 |
| Retained earnings to average equity (ytd only) | 0.7219% | 4,327 |
| Net charge-offs to loans | 1.4274% | 39 |
| Credit loss provision to net charge-offs | 77.9947% | 1,969 |
| Earnings coverage of net charge-offs (x) | 0.8444% | 2,634 |
| Efficiency ratio | 64.2811% | 2,516 |
| Assets per employee ($millions) | 14.5719% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 3,180 |
| Loan loss allowance to noncurrent loans | 65.1457% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.7693% | 203 |
| Noncurrent loans to loans | 1.7471% | 491 |
| Net loans and leases to total assets | 75.7327% | 533 |
| Net loans and leases to deposits | 94.6450% | 364 |
| Net loans and leases to core deposits | 97.4302% | 641 |
| Total domestic deposits to total assets | 80.0176% | 4,220 |
| Equity capital to assets | 13.9271% | 678 |
| Core capital (leverage) ratio | 13.6136% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2237% | 1,000 |
| Memoranda: | ||
| Average total assets | $1,193,284,800 | 829 |
| Average earning assets | $1,029,024,400 | 882 |
| Average equity | $159,848,000 | 675 |
| Average total loans | $954,484,600 | 685 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 2,538 |
| Cost of funding earning assets | 0.7621% | 295 |
| Net interest margin | 2.8452% | 3,667 |
| Noninterest income to average assets | 0.2317% | 4,013 |
| Noninterest expense to average assets | 1.7290% | 4,285 |
| Loan and lease loss provision to assets | 1.1769% | 25 |
| Net operating income to assets | -0.1446% | 4,784 |
| Return on assets (ROA) | -0.1071% | 4,783 |
| Pretax return on assets | -0.1662% | 4,792 |
| Return on Equity (ROE) | -0.8068% | 4,785 |
| Retained earnings to average equity (ytd only) | -0.8068% | 4,650 |
| Net charge-offs to loans | 1.6707% | 35 |
| Credit loss provision to net charge-offs | 87.1770% | 1,681 |
| Earnings coverage of net charge-offs (x) | 0.7134% | 2,397 |
| Efficiency ratio | 64.2243% | 2,353 |
| Assets per employee ($millions) | 14.9065% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,942 |
| Loan loss allowance to noncurrent loans | 48.9670% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.3512% | 138 |
| Noncurrent loans to loans | 2.4713% | 302 |
| Net loans and leases to total assets | 77.5641% | 428 |
| Net loans and leases to deposits | 98.9925% | 246 |
| Net loans and leases to core deposits | 101.3865% | 542 |
| Total domestic deposits to total assets | 78.3535% | 4,388 |
| Equity capital to assets | 13.0719% | 964 |
| Core capital (leverage) ratio | 13.1645% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3424% | 1,280 |
| Memoranda: | ||
| Average total assets | $1,203,860,250 | 833 |
| Average earning assets | $1,041,017,250 | 881 |
| Average equity | $159,798,250 | 685 |
| Average total loans | $972,728,000 | 691 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 2,490 |
| Cost of funding earning assets | 0.8233% | 262 |
| Net interest margin | 2.8200% | 3,750 |
| Noninterest income to average assets | 0.2529% | 3,879 |
| Noninterest expense to average assets | 1.7736% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7020% | 3,760 |
| Return on assets (ROA) | 0.7581% | 3,686 |
| Pretax return on assets | 0.9905% | 3,462 |
| Return on Equity (ROE) | 5.6826% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.6826% | 2,927 |
| Net charge-offs to loans | 0.2926% | 302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.8530% | 2,054 |
| Efficiency ratio | 65.8577% | 2,182 |
| Assets per employee ($millions) | 14.7991% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,829 |
| Loan loss allowance to noncurrent loans | 48.8236% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.4258% | 149 |
| Noncurrent loans to loans | 2.4948% | 330 |
| Net loans and leases to total assets | 79.4586% | 346 |
| Net loans and leases to deposits | 102.4949% | 209 |
| Net loans and leases to core deposits | 105.0800% | 499 |
| Total domestic deposits to total assets | 77.5245% | 4,474 |
| Equity capital to assets | 13.7840% | 758 |
| Core capital (leverage) ratio | 13.5281% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7976% | 1,172 |
| Memoranda: | ||
| Average total assets | $1,202,672,333 | 831 |
| Average earning assets | $1,040,638,333 | 875 |
| Average equity | $160,453,333 | 675 |
| Average total loans | $980,971,000 | 682 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 2,543 |
| Cost of funding earning assets | 0.8999% | 223 |
| Net interest margin | 2.7309% | 3,900 |
| Noninterest income to average assets | 0.2917% | 3,666 |
| Noninterest expense to average assets | 1.6313% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7842% | 3,473 |
| Return on assets (ROA) | 0.8564% | 3,332 |
| Pretax return on assets | 1.1194% | 3,066 |
| Return on Equity (ROE) | 6.5249% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.5249% | 2,719 |
| Net charge-offs to loans | 0.1744% | 454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.1774% | 1,625 |
| Efficiency ratio | 61.3428% | 2,858 |
| Assets per employee ($millions) | 14.8729% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,544 |
| Loan loss allowance to noncurrent loans | 54.6776% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.3941% | 177 |
| Noncurrent loans to loans | 2.3345% | 417 |
| Net loans and leases to total assets | 80.8991% | 288 |
| Net loans and leases to deposits | 105.7235% | 177 |
| Net loans and leases to core deposits | 111.0256% | 382 |
| Total domestic deposits to total assets | 76.5196% | 4,556 |
| Equity capital to assets | 13.3278% | 826 |
| Core capital (leverage) ratio | 13.1794% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4465% | 1,183 |
| Memoranda: | ||
| Average total assets | $1,212,043,000 | 815 |
| Average earning assets | $1,050,792,500 | 862 |
| Average equity | $159,083,500 | 672 |
| Average total loans | $995,289,000 | 680 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 3,258 |
| Cost of funding earning assets | 1.2549% | 218 |
| Net interest margin | 2.5587% | 4,536 |
| Noninterest income to average assets | 0.2059% | 4,238 |
| Noninterest expense to average assets | 1.4895% | 4,786 |
| Loan and lease loss provision to assets | 0.3679% | 899 |
| Net operating income to assets | 0.5335% | 3,957 |
| Return on assets (ROA) | 0.5778% | 3,926 |
| Pretax return on assets | 0.7643% | 3,722 |
| Return on Equity (ROE) | 4.5103% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.5103% | 2,525 |
| Net charge-offs to loans | 0.2740% | 625 |
| Credit loss provision to net charge-offs | 161.2442% | 2,366 |
| Earnings coverage of net charge-offs (x) | 4.7161% | 2,949 |
| Efficiency ratio | 58.0546% | 3,718 |
| Assets per employee ($millions) | 15.2964% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,163 |
| Loan loss allowance to noncurrent loans | 57.9261% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.1207% | 256 |
| Noncurrent loans to loans | 2.0024% | 572 |
| Net loans and leases to total assets | 81.2974% | 341 |
| Net loans and leases to deposits | 108.6340% | 180 |
| Net loans and leases to core deposits | 116.1830% | 364 |
| Total domestic deposits to total assets | 74.8361% | 4,582 |
| Equity capital to assets | 13.1597% | 1,038 |
| Core capital (leverage) ratio | 13.1892% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1943% | 1,217 |
| Memoranda: | ||
| Average total assets | $1,225,749,000 | 739 |
| Average earning assets | $1,130,408,000 | 734 |
| Average equity | $157,019,000 | 651 |
| Average total loans | $1,020,840,600 | 627 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 3,587 |
| Cost of funding earning assets | 1.2902% | 255 |
| Net interest margin | 2.5039% | 4,657 |
| Noninterest income to average assets | 0.1784% | 4,398 |
| Noninterest expense to average assets | 1.4722% | 4,828 |
| Loan and lease loss provision to assets | 0.1152% | 2,880 |
| Net operating income to assets | 0.6950% | 3,473 |
| Return on assets (ROA) | 0.7253% | 3,473 |
| Pretax return on assets | 0.9690% | 3,164 |
| Return on Equity (ROE) | 5.6749% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,253 |
| Net charge-offs to loans | -0.0069% | 4,136 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4643% | 3,603 |
| Assets per employee ($millions) | 14.7542% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,395 |
| Loan loss allowance to noncurrent loans | 118.6141% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 775 |
| Noncurrent loans to loans | 0.8968% | 1,666 |
| Net loans and leases to total assets | 85.1408% | 201 |
| Net loans and leases to deposits | 114.3173% | 167 |
| Net loans and leases to core deposits | 125.1448% | 321 |
| Total domestic deposits to total assets | 74.4776% | 4,542 |
| Equity capital to assets | 13.2434% | 1,086 |
| Core capital (leverage) ratio | 13.3000% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0433% | 1,239 |
| Memoranda: | ||
| Average total assets | $1,226,097,500 | 728 |
| Average earning assets | $1,145,654,500 | 719 |
| Average equity | $156,709,500 | 642 |
| Average total loans | $1,024,089,750 | 619 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 3,814 |
| Cost of funding earning assets | 1.3648% | 262 |
| Net interest margin | 2.4532% | 4,760 |
| Noninterest income to average assets | 0.1843% | 4,357 |
| Noninterest expense to average assets | 1.4767% | 4,863 |
| Loan and lease loss provision to assets | 0.1721% | 2,288 |
| Net operating income to assets | 0.6389% | 3,616 |
| Return on assets (ROA) | 0.6621% | 3,631 |
| Pretax return on assets | 0.8643% | 3,420 |
| Return on Equity (ROE) | 5.2424% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.2424% | 2,367 |
| Net charge-offs to loans | -0.0088% | 4,172 |
| Credit loss provision to net charge-offs | -2,355.5556% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4547% | 3,492 |
| Assets per employee ($millions) | 13.6636% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,258 |
| Loan loss allowance to noncurrent loans | 121.1362% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 862 |
| Noncurrent loans to loans | 0.8792% | 1,738 |
| Net loans and leases to total assets | 85.5036% | 158 |
| Net loans and leases to deposits | 114.5843% | 149 |
| Net loans and leases to core deposits | 123.8007% | 346 |
| Total domestic deposits to total assets | 74.6207% | 4,549 |
| Equity capital to assets | 13.0628% | 1,144 |
| Core capital (leverage) ratio | 12.9760% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7336% | 1,311 |
| Memoranda: | ||
| Average total assets | $1,231,516,000 | 712 |
| Average earning assets | $1,154,337,667 | 699 |
| Average equity | $155,538,000 | 642 |
| Average total loans | $1,018,405,000 | 607 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,981 |
| Cost of funding earning assets | 1.4999% | 269 |
| Net interest margin | 2.4284% | 4,860 |
| Noninterest income to average assets | 0.2494% | 4,054 |
| Noninterest expense to average assets | 1.4561% | 4,942 |
| Loan and lease loss provision to assets | 0.2006% | 1,515 |
| Net operating income to assets | 0.6824% | 3,331 |
| Return on assets (ROA) | 0.7280% | 3,259 |
| Pretax return on assets | 0.9492% | 3,001 |
| Return on Equity (ROE) | 5.8615% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.8615% | 1,932 |
| Net charge-offs to loans | 0.0123% | 2,143 |
| Credit loss provision to net charge-offs | 2,016.1290% | 336 |
| Earnings coverage of net charge-offs (x) | 109.7419% | 541 |
| Efficiency ratio | 57.1429% | 4,098 |
| Assets per employee ($millions) | 13.8737% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,484 |
| Loan loss allowance to noncurrent loans | 119.6418% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 1,057 |
| Noncurrent loans to loans | 0.8706% | 1,869 |
| Net loans and leases to total assets | 81.2228% | 537 |
| Net loans and leases to deposits | 108.0282% | 228 |
| Net loans and leases to core deposits | 119.5530% | 480 |
| Total domestic deposits to total assets | 75.1867% | 4,567 |
| Equity capital to assets | 12.6056% | 1,673 |
| Core capital (leverage) ratio | 12.5172% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7295% | 1,412 |
| Memoranda: | ||
| Average total assets | $1,246,075,500 | 665 |
| Average earning assets | $1,179,526,000 | 648 |
| Average equity | $154,773,500 | 644 |
| Average total loans | $1,008,027,500 | 592 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 3,865 |
| Cost of funding earning assets | 1.5526% | 343 |
| Net interest margin | 2.6232% | 4,888 |
| Noninterest income to average assets | 0.1365% | 4,792 |
| Noninterest expense to average assets | 1.3936% | 5,044 |
| Loan and lease loss provision to assets | 0.0756% | 2,483 |
| Net operating income to assets | 0.9273% | 3,101 |
| Return on assets (ROA) | 0.9292% | 3,172 |
| Pretax return on assets | 1.1598% | 2,982 |
| Return on Equity (ROE) | 7.6066% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.6066% | 1,113 |
| Net charge-offs to loans | 0.0073% | 3,414 |
| Credit loss provision to net charge-offs | 1,268.4932% | 272 |
| Earnings coverage of net charge-offs (x) | 206.9315% | 390 |
| Efficiency ratio | 53.0549% | 4,514 |
| Assets per employee ($millions) | 14.1524% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,473 |
| Loan loss allowance to noncurrent loans | 553.7281% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 2,086 |
| Noncurrent loans to loans | 0.1815% | 3,806 |
| Net loans and leases to total assets | 78.9800% | 935 |
| Net loans and leases to deposits | 103.7744% | 382 |
| Net loans and leases to core deposits | 116.3162% | 583 |
| Total domestic deposits to total assets | 76.1074% | 4,587 |
| Equity capital to assets | 12.3547% | 1,911 |
| Core capital (leverage) ratio | 12.7814% | 1,341 |
| Tier 1 risk-based capital ratio | 15.4935% | 2,583 |
| Total risk-based capital ratio | 16.5035% | 2,610 |
| Memoranda: | ||
| Average total assets | $1,225,068,600 | 648 |
| Average earning assets | $1,162,930,600 | 625 |
| Average equity | $149,645,400 | 625 |
| Average total loans | $996,832,200 | 577 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,826 |
| Cost of funding earning assets | 1.5604% | 340 |
| Net interest margin | 2.6815% | 4,953 |
| Noninterest income to average assets | 0.1377% | 4,846 |
| Noninterest expense to average assets | 1.3987% | 5,114 |
| Loan and lease loss provision to assets | 0.1015% | 1,891 |
| Net operating income to assets | 0.9323% | 3,224 |
| Return on assets (ROA) | 0.9347% | 3,291 |
| Pretax return on assets | 1.1864% | 3,021 |
| Return on Equity (ROE) | 7.6748% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.6748% | 1,550 |
| Net charge-offs to loans | 0.0105% | 2,994 |
| Credit loss provision to net charge-offs | 1,187.1795% | 307 |
| Earnings coverage of net charge-offs (x) | 150.2783% | 539 |
| Efficiency ratio | 52.1219% | 4,585 |
| Assets per employee ($millions) | 15.4159% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,609 |
| Loan loss allowance to noncurrent loans | 434.5674% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 2,082 |
| Noncurrent loans to loans | 0.2282% | 3,731 |
| Net loans and leases to total assets | 79.7175% | 885 |
| Net loans and leases to deposits | 104.1017% | 407 |
| Net loans and leases to core deposits | 120.6284% | 517 |
| Total domestic deposits to total assets | 76.5766% | 4,578 |
| Equity capital to assets | 12.0652% | 2,206 |
| Core capital (leverage) ratio | 12.2335% | 1,714 |
| Tier 1 risk-based capital ratio | 15.3802% | 2,678 |
| Total risk-based capital ratio | 16.4017% | 2,716 |
| Memoranda: | ||
| Average total assets | $1,216,444,500 | 651 |
| Average earning assets | $1,154,905,750 | 629 |
| Average equity | $148,153,000 | 630 |
| Average total loans | $994,814,250 | 581 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 3,880 |
| Cost of funding earning assets | 1.5101% | 367 |
| Net interest margin | 2.7067% | 4,997 |
| Noninterest income to average assets | 0.1261% | 4,944 |
| Noninterest expense to average assets | 1.4097% | 5,155 |
| Loan and lease loss provision to assets | 0.1543% | 1,180 |
| Net operating income to assets | 0.9110% | 3,239 |
| Return on assets (ROA) | 0.9146% | 3,288 |
| Pretax return on assets | 1.1391% | 3,126 |
| Return on Equity (ROE) | 7.4847% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.4847% | 1,608 |
| Net charge-offs to loans | 0.0136% | 2,649 |
| Credit loss provision to net charge-offs | 1,382.0896% | 260 |
| Earnings coverage of net charge-offs (x) | 115.4776% | 623 |
| Efficiency ratio | 52.2378% | 4,637 |
| Assets per employee ($millions) | 15.0579% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,677 |
| Loan loss allowance to noncurrent loans | 418.1216% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 2,099 |
| Noncurrent loans to loans | 0.2369% | 3,692 |
| Net loans and leases to total assets | 79.8761% | 895 |
| Net loans and leases to deposits | 103.7597% | 430 |
| Net loans and leases to core deposits | 133.7413% | 265 |
| Total domestic deposits to total assets | 76.9818% | 4,563 |
| Equity capital to assets | 11.8067% | 2,337 |
| Core capital (leverage) ratio | 12.3621% | 1,605 |
| Tier 1 risk-based capital ratio | 14.9820% | 2,856 |
| Total risk-based capital ratio | 15.9989% | 2,870 |
| Memoranda: | ||
| Average total assets | $1,200,557,330 | 663 |
| Average earning assets | $1,141,003,330 | 638 |
| Average equity | $146,698,330 | 631 |
| Average total loans | $987,149,330 | 583 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 3,917 |
| Cost of funding earning assets | 1.4372% | 401 |
| Net interest margin | 2.7456% | 5,030 |
| Noninterest income to average assets | 0.1291% | 4,959 |
| Noninterest expense to average assets | 1.4358% | 5,202 |
| Loan and lease loss provision to assets | 0.2978% | 434 |
| Net operating income to assets | 0.8220% | 3,546 |
| Return on assets (ROA) | 0.8220% | 3,585 |
| Pretax return on assets | 1.0024% | 3,430 |
| Return on Equity (ROE) | 6.6062% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.6062% | 2,195 |
| Net charge-offs to loans | 0.0416% | 1,677 |
| Credit loss provision to net charge-offs | 861.3861% | 423 |
| Earnings coverage of net charge-offs (x) | 37.6040% | 1,195 |
| Efficiency ratio | 52.4775% | 4,662 |
| Assets per employee ($millions) | 13.5869% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,746 |
| Loan loss allowance to noncurrent loans | 411.8421% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 2,059 |
| Noncurrent loans to loans | 0.2415% | 3,705 |
| Net loans and leases to total assets | 82.4584% | 534 |
| Net loans and leases to deposits | 104.0801% | 391 |
| Net loans and leases to core deposits | 132.0683% | 281 |
| Total domestic deposits to total assets | 79.2259% | 4,313 |
| Equity capital to assets | 12.1186% | 1,950 |
| Core capital (leverage) ratio | 13.0432% | 1,253 |
| Tier 1 risk-based capital ratio | 14.8547% | 2,936 |
| Total risk-based capital ratio | 15.8757% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,168,403,000 | 683 |
| Average earning assets | $1,109,406,500 | 658 |
| Average equity | $145,378,000 | 634 |
| Average total loans | $970,508,000 | 597 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,860 |
| Cost of funding earning assets | 1.2096% | 326 |
| Net interest margin | 2.8542% | 4,967 |
| Noninterest income to average assets | 0.2307% | 4,530 |
| Noninterest expense to average assets | 1.5665% | 5,188 |
| Loan and lease loss provision to assets | 0.2248% | 793 |
| Net operating income to assets | 0.9635% | 3,163 |
| Return on assets (ROA) | 0.9635% | 3,164 |
| Pretax return on assets | 1.1571% | 3,074 |
| Return on Equity (ROE) | 7.8669% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.8669% | 1,293 |
| Net charge-offs to loans | 0.1811% | 1,058 |
| Credit loss provision to net charge-offs | 150.7201% | 1,824 |
| Earnings coverage of net charge-offs (x) | 9.2649% | 2,822 |
| Efficiency ratio | 53.1312% | 4,704 |
| Assets per employee ($millions) | 12.8133% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 3,762 |
| Loan loss allowance to noncurrent loans | 278.4402% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 1,726 |
| Noncurrent loans to loans | 0.3556% | 3,269 |
| Net loans and leases to total assets | 82.0026% | 648 |
| Net loans and leases to deposits | 107.5639% | 321 |
| Net loans and leases to core deposits | 129.9147% | 325 |
| Total domestic deposits to total assets | 76.2361% | 4,728 |
| Equity capital to assets | 12.7898% | 1,445 |
| Core capital (leverage) ratio | 13.3472% | 1,132 |
| Tier 1 risk-based capital ratio | 15.5324% | 2,597 |
| Total risk-based capital ratio | 16.5356% | 2,634 |
| Memoranda: | ||
| Average total assets | $1,070,730,600 | 715 |
| Average earning assets | $1,019,498,800 | 693 |
| Average equity | $131,131,200 | 664 |
| Average total loans | $881,680,200 | 631 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,816 |
| Cost of funding earning assets | 1.1570% | 315 |
| Net interest margin | 2.8839% | 4,997 |
| Noninterest income to average assets | 0.1755% | 4,906 |
| Noninterest expense to average assets | 1.6225% | 5,193 |
| Loan and lease loss provision to assets | 0.1204% | 1,681 |
| Net operating income to assets | 1.0011% | 3,077 |
| Return on assets (ROA) | 1.0011% | 3,090 |
| Pretax return on assets | 1.1813% | 3,061 |
| Return on Equity (ROE) | 8.2724% | 3,427 |
| Retained earnings to average equity (ytd only) | 8.2724% | 1,526 |
| Net charge-offs to loans | 0.0568% | 2,004 |
| Credit loss provision to net charge-offs | 257.8378% | 1,147 |
| Earnings coverage of net charge-offs (x) | 27.8784% | 1,691 |
| Efficiency ratio | 55.4851% | 4,447 |
| Assets per employee ($millions) | 12.1672% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,831 |
| Loan loss allowance to noncurrent loans | 293.7480% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 3,503 |
| Noncurrent loans to loans | 0.3370% | 3,454 |
| Net loans and leases to total assets | 87.2292% | 173 |
| Net loans and leases to deposits | 115.7959% | 151 |
| Net loans and leases to core deposits | 135.5529% | 251 |
| Total domestic deposits to total assets | 75.3301% | 4,856 |
| Equity capital to assets | 12.7952% | 1,422 |
| Core capital (leverage) ratio | 12.7138% | 1,410 |
| Tier 1 risk-based capital ratio | 15.0673% | 2,851 |
| Total risk-based capital ratio | 16.1067% | 2,863 |
| Memoranda: | ||
| Average total assets | $1,056,520,000 | 725 |
| Average earning assets | $1,006,979,750 | 696 |
| Average equity | $127,860,500 | 672 |
| Average total loans | $868,628,750 | 637 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 4,011 |
| Cost of funding earning assets | 1.1055% | 284 |
| Net interest margin | 2.8166% | 5,101 |
| Noninterest income to average assets | 0.1946% | 4,853 |
| Noninterest expense to average assets | 1.6138% | 5,257 |
| Loan and lease loss provision to assets | 0.1558% | 1,208 |
| Net operating income to assets | 0.9275% | 3,332 |
| Return on assets (ROA) | 0.9275% | 3,336 |
| Pretax return on assets | 1.1117% | 3,263 |
| Return on Equity (ROE) | 7.8088% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.8088% | 1,702 |
| Net charge-offs to loans | 0.0566% | 1,795 |
| Credit loss provision to net charge-offs | 342.5620% | 919 |
| Earnings coverage of net charge-offs (x) | 27.8636% | 1,569 |
| Efficiency ratio | 56.0086% | 4,476 |
| Assets per employee ($millions) | 11.9601% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,837 |
| Loan loss allowance to noncurrent loans | 268.4915% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,491 |
| Noncurrent loans to loans | 0.3725% | 3,359 |
| Net loans and leases to total assets | 84.8799% | 369 |
| Net loans and leases to deposits | 112.3878% | 226 |
| Net loans and leases to core deposits | 128.5855% | 360 |
| Total domestic deposits to total assets | 75.5241% | 4,903 |
| Equity capital to assets | 12.2718% | 1,685 |
| Core capital (leverage) ratio | 12.2346% | 1,580 |
| Tier 1 risk-based capital ratio | 14.7741% | 2,976 |
| Total risk-based capital ratio | 15.8182% | 3,002 |
| Memoranda: | ||
| Average total assets | $1,063,955,670 | 722 |
| Average earning assets | $1,014,922,000 | 692 |
| Average equity | $126,370,670 | 678 |
| Average total loans | $854,452,670 | 643 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 4,220 |
| Cost of funding earning assets | 1.0761% | 254 |
| Net interest margin | 2.7240% | 5,237 |
| Noninterest income to average assets | 0.1428% | 5,158 |
| Noninterest expense to average assets | 1.4782% | 5,412 |
| Loan and lease loss provision to assets | 0.0897% | 2,013 |
| Net operating income to assets | 0.8758% | 3,387 |
| Return on assets (ROA) | 0.8758% | 3,404 |
| Pretax return on assets | 1.1760% | 2,860 |
| Return on Equity (ROE) | 7.4958% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.4958% | 2,045 |
| Net charge-offs to loans | 0.1021% | 1,172 |
| Credit loss provision to net charge-offs | 113.2075% | 1,426 |
| Earnings coverage of net charge-offs (x) | 15.9670% | 1,644 |
| Efficiency ratio | 53.8703% | 4,812 |
| Assets per employee ($millions) | 12.5851% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,951 |
| Loan loss allowance to noncurrent loans | 325.2017% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,910 |
| Noncurrent loans to loans | 0.3078% | 3,669 |
| Net loans and leases to total assets | 77.3628% | 1,331 |
| Net loans and leases to deposits | 100.6636% | 662 |
| Net loans and leases to core deposits | 126.0495% | 420 |
| Total domestic deposits to total assets | 76.8528% | 4,875 |
| Equity capital to assets | 11.6621% | 2,024 |
| Core capital (leverage) ratio | 11.9565% | 1,674 |
| Tier 1 risk-based capital ratio | 15.1978% | 2,790 |
| Total risk-based capital ratio | 16.2268% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,069,687,500 | 715 |
| Average earning assets | $1,021,452,000 | 695 |
| Average equity | $124,976,000 | 687 |
| Average total loans | $830,490,000 | 664 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 3,917 |
| Cost of funding earning assets | 0.9925% | 226 |
| Net interest margin | 2.8463% | 5,112 |
| Noninterest income to average assets | 0.2927% | 4,365 |
| Noninterest expense to average assets | 1.5623% | 5,442 |
| Loan and lease loss provision to assets | 0.2152% | 916 |
| Net operating income to assets | 0.6384% | 3,861 |
| Return on assets (ROA) | 0.6683% | 3,783 |
| Pretax return on assets | 1.2712% | 2,465 |
| Return on Equity (ROE) | 5.7609% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.7609% | 1,679 |
| Net charge-offs to loans | -0.0165% | 4,904 |
| Credit loss provision to net charge-offs | -1,651.9380% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0433% | 5,098 |
| Assets per employee ($millions) | 12.4359% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,714 |
| Loan loss allowance to noncurrent loans | 326.2568% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 3,915 |
| Noncurrent loans to loans | 0.3172% | 3,642 |
| Net loans and leases to total assets | 76.3219% | 1,537 |
| Net loans and leases to deposits | 99.9543% | 731 |
| Net loans and leases to core deposits | 126.8784% | 414 |
| Total domestic deposits to total assets | 76.3568% | 4,937 |
| Equity capital to assets | 11.7053% | 2,028 |
| Core capital (leverage) ratio | 11.5713% | 1,891 |
| Tier 1 risk-based capital ratio | 15.4584% | 2,639 |
| Total risk-based capital ratio | 16.5222% | 2,649 |
| Memoranda: | ||
| Average total assets | $990,392,000 | 748 |
| Average earning assets | $942,711,000 | 717 |
| Average equity | $114,895,800 | 712 |
| Average total loans | $780,136,800 | 675 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 3,863 |
| Cost of funding earning assets | 0.9532% | 252 |
| Net interest margin | 2.8885% | 5,101 |
| Noninterest income to average assets | 0.1717% | 5,160 |
| Noninterest expense to average assets | 1.5307% | 5,499 |
| Loan and lease loss provision to assets | 0.2918% | 543 |
| Net operating income to assets | 0.8332% | 3,371 |
| Return on assets (ROA) | 0.8814% | 3,165 |
| Pretax return on assets | 1.1591% | 3,076 |
| Return on Equity (ROE) | 7.6610% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.6610% | 1,367 |
| Net charge-offs to loans | -0.0168% | 4,792 |
| Credit loss provision to net charge-offs | -2,196.9072% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4540% | 5,063 |
| Assets per employee ($millions) | 12.9043% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,078 |
| Loan loss allowance to noncurrent loans | 694.0545% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 4,668 |
| Noncurrent loans to loans | 0.1437% | 4,477 |
| Net loans and leases to total assets | 79.8210% | 1,010 |
| Net loans and leases to deposits | 104.4082% | 480 |
| Net loans and leases to core deposits | 122.5694% | 500 |
| Total domestic deposits to total assets | 76.4509% | 4,963 |
| Equity capital to assets | 11.6630% | 2,219 |
| Core capital (leverage) ratio | 11.9529% | 1,716 |
| Tier 1 risk-based capital ratio | 14.6647% | 3,091 |
| Total risk-based capital ratio | 15.6974% | 3,127 |
| Memoranda: | ||
| Average total assets | $973,708,750 | 765 |
| Average earning assets | $925,840,750 | 736 |
| Average equity | $112,028,250 | 738 |
| Average total loans | $771,370,750 | 682 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 3,896 |
| Cost of funding earning assets | 0.9294% | 255 |
| Net interest margin | 2.8701% | 5,137 |
| Noninterest income to average assets | 0.1722% | 5,189 |
| Noninterest expense to average assets | 1.5798% | 5,508 |
| Loan and lease loss provision to assets | 0.3457% | 421 |
| Net operating income to assets | 0.7770% | 3,509 |
| Return on assets (ROA) | 0.8498% | 3,203 |
| Pretax return on assets | 1.0652% | 3,317 |
| Return on Equity (ROE) | 7.4236% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.4236% | 1,384 |
| Net charge-offs to loans | -0.0262% | 4,900 |
| Credit loss provision to net charge-offs | -1,675.5102% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4801% | 4,978 |
| Assets per employee ($millions) | 12.4721% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 4,266 |
| Loan loss allowance to noncurrent loans | 421.7901% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 4,432 |
| Noncurrent loans to loans | 0.2322% | 4,196 |
| Net loans and leases to total assets | 79.2222% | 1,061 |
| Net loans and leases to deposits | 104.3207% | 475 |
| Net loans and leases to core deposits | 126.0991% | 394 |
| Total domestic deposits to total assets | 75.9410% | 5,102 |
| Equity capital to assets | 11.7174% | 2,139 |
| Core capital (leverage) ratio | 11.9061% | 1,691 |
| Tier 1 risk-based capital ratio | 14.6942% | 3,069 |
| Total risk-based capital ratio | 15.7047% | 3,113 |
| Memoranda: | ||
| Average total assets | $949,861,000 | 786 |
| Average earning assets | $902,698,000 | 760 |
| Average equity | $108,735,000 | 755 |
| Average total loans | $747,582,330 | 708 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 3,949 |
| Cost of funding earning assets | 0.9092% | 266 |
| Net interest margin | 2.8370% | 5,187 |
| Noninterest income to average assets | 0.1870% | 5,153 |
| Noninterest expense to average assets | 1.6001% | 5,558 |
| Loan and lease loss provision to assets | 0.4336% | 250 |
| Net operating income to assets | 0.6632% | 3,866 |
| Return on assets (ROA) | 0.6829% | 3,813 |
| Pretax return on assets | 0.8712% | 3,863 |
| Return on Equity (ROE) | 6.0434% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.0434% | 2,308 |
| Net charge-offs to loans | -0.0039% | 4,118 |
| Credit loss provision to net charge-offs | -14,242.8571% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5656% | 4,984 |
| Assets per employee ($millions) | 11.3031% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,580 |
| Loan loss allowance to noncurrent loans | 425.6669% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 4,539 |
| Noncurrent loans to loans | 0.2220% | 4,310 |
| Net loans and leases to total assets | 78.3451% | 1,080 |
| Net loans and leases to deposits | 105.7661% | 328 |
| Net loans and leases to core deposits | 121.8895% | 416 |
| Total domestic deposits to total assets | 74.0739% | 5,411 |
| Equity capital to assets | 12.0593% | 1,791 |
| Core capital (leverage) ratio | 12.3461% | 1,422 |
| Tier 1 risk-based capital ratio | 14.5250% | 3,179 |
| Total risk-based capital ratio | 15.4607% | 3,275 |
| Memoranda: | ||
| Average total assets | $919,670,000 | 818 |
| Average earning assets | $872,890,500 | 792 |
| Average equity | $103,915,500 | 789 |
| Average total loans | $717,246,500 | 735 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 4,637 |
| Cost of funding earning assets | 0.9602% | 215 |
| Net interest margin | 2.5910% | 5,525 |
| Noninterest income to average assets | 0.2035% | 5,196 |
| Noninterest expense to average assets | 1.7219% | 5,545 |
| Loan and lease loss provision to assets | 0.2019% | 1,138 |
| Net operating income to assets | 1.4488% | 919 |
| Return on assets (ROA) | 1.5034% | 846 |
| Pretax return on assets | 0.7776% | 4,248 |
| Return on Equity (ROE) | 14.6479% | 680 |
| Retained earnings to average equity (ytd only) | 14.6479% | 119 |
| Net charge-offs to loans | 0.0011% | 4,247 |
| Credit loss provision to net charge-offs | 26,783.3333% | 5 |
| Earnings coverage of net charge-offs (x) | 1,227.0000% | 51 |
| Efficiency ratio | 65.0544% | 3,750 |
| Assets per employee ($millions) | 10.8467% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,724 |
| Loan loss allowance to noncurrent loans | 316.1208% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 4,418 |
| Noncurrent loans to loans | 0.2897% | 4,111 |
| Net loans and leases to total assets | 76.0804% | 1,505 |
| Net loans and leases to deposits | 100.8403% | 615 |
| Net loans and leases to core deposits | 117.9347% | 550 |
| Total domestic deposits to total assets | 75.4464% | 5,303 |
| Equity capital to assets | 10.4680% | 3,190 |
| Core capital (leverage) ratio | 10.5892% | 2,786 |
| Tier 1 risk-based capital ratio | 12.6300% | 4,302 |
| Total risk-based capital ratio | 13.5258% | 4,400 |
| Memoranda: | ||
| Average total assets | $795,942,800 | 910 |
| Average earning assets | $750,550,400 | 890 |
| Average equity | $81,691,000 | 974 |
| Average total loans | $559,982,800 | 885 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,637 |
| Cost of funding earning assets | 0.9714% | 200 |
| Net interest margin | 2.5980% | 5,588 |
| Noninterest income to average assets | 0.2103% | 5,208 |
| Noninterest expense to average assets | 1.7603% | 5,565 |
| Loan and lease loss provision to assets | 0.1629% | 1,413 |
| Net operating income to assets | 1.7793% | 507 |
| Return on assets (ROA) | 1.8539% | 465 |
| Pretax return on assets | 0.8088% | 4,284 |
| Return on Equity (ROE) | 18.1658% | 348 |
| Retained earnings to average equity (ytd only) | 18.1658% | 76 |
| Net charge-offs to loans | 0.0223% | 3,233 |
| Credit loss provision to net charge-offs | 1,064.0449% | 384 |
| Earnings coverage of net charge-offs (x) | 58.6085% | 978 |
| Efficiency ratio | 66.2439% | 3,553 |
| Assets per employee ($millions) | 9.8898% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,718 |
| Loan loss allowance to noncurrent loans | 336.0544% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,643 |
| Noncurrent loans to loans | 0.2790% | 4,262 |
| Net loans and leases to total assets | 69.9466% | 2,497 |
| Net loans and leases to deposits | 94.6058% | 1,192 |
| Net loans and leases to core deposits | 107.2052% | 1,100 |
| Total domestic deposits to total assets | 73.9347% | 5,441 |
| Equity capital to assets | 10.8802% | 3,161 |
| Core capital (leverage) ratio | 10.7861% | 2,700 |
| Tier 1 risk-based capital ratio | 14.2373% | 3,438 |
| Total risk-based capital ratio | 15.1575% | 3,534 |
| Memoranda: | ||
| Average total assets | $775,283,500 | 927 |
| Average earning assets | $730,227,500 | 908 |
| Average equity | $79,121,250 | 1,004 |
| Average total loans | $531,327,500 | 927 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,708 |
| Cost of funding earning assets | 0.9797% | 187 |
| Net interest margin | 2.5805% | 5,686 |
| Noninterest income to average assets | 0.2187% | 5,183 |
| Noninterest expense to average assets | 1.7398% | 5,654 |
| Loan and lease loss provision to assets | 0.2229% | 931 |
| Net operating income to assets | 0.6844% | 3,878 |
| Return on assets (ROA) | 0.7607% | 3,641 |
| Pretax return on assets | 0.7607% | 4,420 |
| Return on Equity (ROE) | 7.6356% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.6356% | 1,321 |
| Net charge-offs to loans | 0.0311% | 2,848 |
| Credit loss provision to net charge-offs | 1,058.7500% | 359 |
| Earnings coverage of net charge-offs (x) | 43.1000% | 1,103 |
| Efficiency ratio | 65.7256% | 3,719 |
| Assets per employee ($millions) | 10.4705% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 4,737 |
| Loan loss allowance to noncurrent loans | 515.7336% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,623 |
| Noncurrent loans to loans | 0.1851% | 4,693 |
| Net loans and leases to total assets | 69.6537% | 2,527 |
| Net loans and leases to deposits | 94.5634% | 1,231 |
| Net loans and leases to core deposits | 101.6574% | 1,498 |
| Total domestic deposits to total assets | 73.6582% | 5,554 |
| Equity capital to assets | 10.2071% | 3,966 |
| Core capital (leverage) ratio | 10.3688% | 3,115 |
| Tier 1 risk-based capital ratio | 13.9455% | 3,632 |
| Total risk-based capital ratio | 14.8712% | 3,747 |
| Memoranda: | ||
| Average total assets | $760,093,000 | 943 |
| Average earning assets | $715,290,670 | 932 |
| Average equity | $75,724,670 | 1,058 |
| Average total loans | $515,238,670 | 950 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,695 |
| Cost of funding earning assets | 0.9974% | 173 |
| Net interest margin | 2.5747% | 5,743 |
| Noninterest income to average assets | 0.2398% | 5,025 |
| Noninterest expense to average assets | 1.7972% | 5,655 |
| Loan and lease loss provision to assets | 0.2021% | 972 |
| Net operating income to assets | 0.6499% | 3,974 |
| Return on assets (ROA) | 0.6828% | 3,917 |
| Pretax return on assets | 0.6828% | 4,578 |
| Return on Equity (ROE) | 6.9448% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.9448% | 1,908 |
| Net charge-offs to loans | 0.0114% | 2,748 |
| Credit loss provision to net charge-offs | 2,678.5714% | 156 |
| Earnings coverage of net charge-offs (x) | 112.9286% | 496 |
| Efficiency ratio | 67.8397% | 3,489 |
| Assets per employee ($millions) | 10.0452% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,849 |
| Loan loss allowance to noncurrent loans | 578.7808% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 4,745 |
| Noncurrent loans to loans | 0.1640% | 4,838 |
| Net loans and leases to total assets | 67.4707% | 2,734 |
| Net loans and leases to deposits | 92.3702% | 1,296 |
| Net loans and leases to core deposits | 95.9684% | 1,799 |
| Total domestic deposits to total assets | 73.0438% | 5,701 |
| Equity capital to assets | 10.0505% | 4,014 |
| Core capital (leverage) ratio | 10.3357% | 3,147 |
| Tier 1 risk-based capital ratio | 14.2321% | 3,547 |
| Total risk-based capital ratio | 15.1533% | 3,685 |
| Memoranda: | ||
| Average total assets | $742,260,500 | 972 |
| Average earning assets | $694,616,000 | 954 |
| Average equity | $72,975,000 | 1,088 |
| Average total loans | $493,049,000 | 984 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5695% | 4,751 |
| Cost of funding earning assets | 0.9350% | 244 |
| Net interest margin | 2.6344% | 5,726 |
| Noninterest income to average assets | 0.2889% | 4,820 |
| Noninterest expense to average assets | 2.0802% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6520% | 4,029 |
| Return on assets (ROA) | 0.7488% | 3,675 |
| Pretax return on assets | 0.7488% | 4,369 |
| Return on Equity (ROE) | 7.1810% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.1810% | 1,201 |
| Net charge-offs to loans | 0.0060% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 174.3333% | 375 |
| Efficiency ratio | 76.1364% | 2,246 |
| Assets per employee ($millions) | 9.4880% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,704 |
| Loan loss allowance to noncurrent loans | 575.5975% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 4,500 |
| Noncurrent loans to loans | 0.1706% | 4,806 |
| Net loans and leases to total assets | 63.9994% | 3,280 |
| Net loans and leases to deposits | 84.9746% | 2,244 |
| Net loans and leases to core deposits | 86.7611% | 2,726 |
| Total domestic deposits to total assets | 75.3159% | 5,519 |
| Equity capital to assets | 9.5995% | 4,436 |
| Core capital (leverage) ratio | 10.4337% | 3,014 |
| Tier 1 risk-based capital ratio | 13.9368% | 3,747 |
| Total risk-based capital ratio | 14.8545% | 3,878 |
| Memoranda: | ||
| Average total assets | $641,718,000 | 1,066 |
| Average earning assets | $595,157,000 | 1,048 |
| Average equity | $66,912,600 | 1,134 |
| Average total loans | $401,822,000 | 1,151 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 4,753 |
| Cost of funding earning assets | 0.9387% | 239 |
| Net interest margin | 2.6576% | 5,778 |
| Noninterest income to average assets | 0.3137% | 4,703 |
| Noninterest expense to average assets | 2.1455% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6363% | 4,203 |
| Return on assets (ROA) | 0.7414% | 3,817 |
| Pretax return on assets | 0.7414% | 4,529 |
| Return on Equity (ROE) | 6.9504% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.9504% | 1,715 |
| Net charge-offs to loans | -0.0232% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1252% | 2,070 |
| Assets per employee ($millions) | 9.1464% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,770 |
| Loan loss allowance to noncurrent loans | 333.5954% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 4,193 |
| Noncurrent loans to loans | 0.3533% | 4,345 |
| Net loans and leases to total assets | 60.2571% | 3,846 |
| Net loans and leases to deposits | 82.7895% | 2,555 |
| Net loans and leases to core deposits | 84.9880% | 2,950 |
| Total domestic deposits to total assets | 72.7835% | 5,811 |
| Equity capital to assets | 10.4637% | 3,636 |
| Core capital (leverage) ratio | 10.7975% | 2,717 |
| Tier 1 risk-based capital ratio | 15.8990% | 2,845 |
| Total risk-based capital ratio | 16.9882% | 2,861 |
| Memoranda: | ||
| Average total assets | $621,875,750 | 1,105 |
| Average earning assets | $577,550,500 | 1,090 |
| Average equity | $66,335,500 | 1,146 |
| Average total loans | $385,760,750 | 1,197 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 4,766 |
| Cost of funding earning assets | 0.9353% | 242 |
| Net interest margin | 2.6480% | 5,826 |
| Noninterest income to average assets | 0.3091% | 4,743 |
| Noninterest expense to average assets | 2.1750% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6081% | 4,304 |
| Return on assets (ROA) | 0.7423% | 3,776 |
| Pretax return on assets | 0.7423% | 4,519 |
| Return on Equity (ROE) | 6.9122% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.9122% | 1,738 |
| Net charge-offs to loans | 0.0136% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 71.6538% | 764 |
| Efficiency ratio | 78.1492% | 2,044 |
| Assets per employee ($millions) | 8.6997% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,716 |
| Loan loss allowance to noncurrent loans | 337.0671% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 4,165 |
| Noncurrent loans to loans | 0.3598% | 4,418 |
| Net loans and leases to total assets | 60.3151% | 3,784 |
| Net loans and leases to deposits | 82.3331% | 2,516 |
| Net loans and leases to core deposits | 84.3373% | 2,949 |
| Total domestic deposits to total assets | 73.2575% | 5,848 |
| Equity capital to assets | 10.7420% | 3,176 |
| Core capital (leverage) ratio | 10.5582% | 2,885 |
| Tier 1 risk-based capital ratio | 16.2151% | 2,752 |
| Total risk-based capital ratio | 17.3241% | 2,777 |
| Memoranda: | ||
| Average total assets | $612,702,330 | 1,129 |
| Average earning assets | $572,423,330 | 1,103 |
| Average equity | $65,797,000 | 1,164 |
| Average total loans | $382,356,330 | 1,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 4,690 |
| Cost of funding earning assets | 0.9477% | 228 |
| Net interest margin | 2.6527% | 5,862 |
| Noninterest income to average assets | 0.3219% | 4,614 |
| Noninterest expense to average assets | 2.2884% | 4,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5159% | 4,593 |
| Return on assets (ROA) | 0.6902% | 3,973 |
| Pretax return on assets | 0.6902% | 4,621 |
| Return on Equity (ROE) | 6.4286% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.4286% | 2,272 |
| Net charge-offs to loans | -0.0125% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6036% | 1,671 |
| Assets per employee ($millions) | 8.2136% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,933 |
| Loan loss allowance to noncurrent loans | 252.4357% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 3,936 |
| Noncurrent loans to loans | 0.4783% | 4,142 |
| Net loans and leases to total assets | 60.4484% | 3,589 |
| Net loans and leases to deposits | 83.2480% | 2,171 |
| Net loans and leases to core deposits | 85.3153% | 2,616 |
| Total domestic deposits to total assets | 72.6124% | 6,006 |
| Equity capital to assets | 10.6609% | 3,355 |
| Core capital (leverage) ratio | 10.7795% | 2,652 |
| Tier 1 risk-based capital ratio | 17.0339% | 2,471 |
| Total risk-based capital ratio | 18.2309% | 2,442 |
| Memoranda: | ||
| Average total assets | $610,214,000 | 1,134 |
| Average earning assets | $571,041,000 | 1,115 |
| Average equity | $65,520,000 | 1,171 |
| Average total loans | $384,970,500 | 1,203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,774 |
| Cost of funding earning assets | 0.9589% | 275 |
| Net interest margin | 2.7446% | 5,880 |
| Noninterest income to average assets | 0.3688% | 4,440 |
| Noninterest expense to average assets | 2.7654% | 3,612 |
| Loan and lease loss provision to assets | 0.0478% | 3,614 |
| Net operating income to assets | 0.1032% | 5,952 |
| Return on assets (ROA) | 0.1192% | 5,965 |
| Pretax return on assets | 0.1229% | 5,969 |
| Return on Equity (ROE) | 1.0832% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.0832% | 5,285 |
| Net charge-offs to loans | 0.1294% | 2,722 |
| Credit loss provision to net charge-offs | 52.7027% | 3,425 |
| Earnings coverage of net charge-offs (x) | 1.7008% | 4,353 |
| Efficiency ratio | 94.7185% | 561 |
| Assets per employee ($millions) | 7.0975% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,096 |
| Loan loss allowance to noncurrent loans | 197.0865% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 3,649 |
| Noncurrent loans to loans | 0.6016% | 3,865 |
| Net loans and leases to total assets | 64.3062% | 3,180 |
| Net loans and leases to deposits | 85.5262% | 2,037 |
| Net loans and leases to core deposits | 87.6063% | 2,540 |
| Total domestic deposits to total assets | 75.1889% | 5,836 |
| Equity capital to assets | 10.8171% | 3,102 |
| Core capital (leverage) ratio | 10.9726% | 2,433 |
| Tier 1 risk-based capital ratio | 18.5279% | 1,983 |
| Total risk-based capital ratio | 19.7789% | 1,951 |
| Memoranda: | ||
| Average total assets | $571,337,400 | 1,157 |
| Average earning assets | $531,006,000 | 1,141 |
| Average equity | $62,868,400 | 1,163 |
| Average total loans | $400,429,600 | 1,099 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,595 |
| Cost of funding earning assets | 0.9704% | 278 |
| Net interest margin | 2.8146% | 5,855 |
| Noninterest income to average assets | 0.4251% | 4,061 |
| Noninterest expense to average assets | 2.9130% | 3,075 |
| Loan and lease loss provision to assets | 0.0432% | 3,533 |
| Net operating income to assets | 0.0761% | 6,055 |
| Return on assets (ROA) | 0.0915% | 6,063 |
| Pretax return on assets | 0.0965% | 6,063 |
| Return on Equity (ROE) | 0.8282% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.8282% | 5,552 |
| Net charge-offs to loans | 0.1450% | 2,351 |
| Credit loss provision to net charge-offs | 41.6856% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1.1913% | 4,208 |
| Efficiency ratio | 95.9363% | 510 |
| Assets per employee ($millions) | 5.7345% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,361 |
| Loan loss allowance to noncurrent loans | 191.9281% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 3,386 |
| Noncurrent loans to loans | 0.6120% | 4,087 |
| Net loans and leases to total assets | 72.3927% | 1,783 |
| Net loans and leases to deposits | 92.5444% | 1,179 |
| Net loans and leases to core deposits | 95.1840% | 1,740 |
| Total domestic deposits to total assets | 78.2248% | 5,483 |
| Equity capital to assets | 11.8983% | 2,154 |
| Core capital (leverage) ratio | 12.0933% | 1,640 |
| Tier 1 risk-based capital ratio | 19.5010% | 1,781 |
| Total risk-based capital ratio | 20.7529% | 1,747 |
| Memoranda: | ||
| Average total assets | $565,123,500 | 1,181 |
| Average earning assets | $524,301,250 | 1,169 |
| Average equity | $62,462,750 | 1,180 |
| Average total loans | $403,539,750 | 1,085 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,595 |
| Cost of funding earning assets | 0.9646% | 299 |
| Net interest margin | 2.8151% | 5,873 |
| Noninterest income to average assets | 0.4433% | 3,916 |
| Noninterest expense to average assets | 3.0619% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0080% | 6,193 |
| Return on assets (ROA) | 0.0160% | 6,195 |
| Pretax return on assets | 0.0160% | 6,184 |
| Return on Equity (ROE) | 0.1481% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.1481% | 5,642 |
| Net charge-offs to loans | -0.0064% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2616% | 393 |
| Assets per employee ($millions) | 5.9842% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 4,318 |
| Loan loss allowance to noncurrent loans | 157.1151% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 3,478 |
| Noncurrent loans to loans | 0.7780% | 3,754 |
| Net loans and leases to total assets | 69.0560% | 2,231 |
| Net loans and leases to deposits | 86.8934% | 1,727 |
| Net loans and leases to core deposits | 89.3017% | 2,185 |
| Total domestic deposits to total assets | 79.4720% | 5,350 |
| Equity capital to assets | 11.1314% | 2,754 |
| Core capital (leverage) ratio | 11.1842% | 2,261 |
| Tier 1 risk-based capital ratio | 18.7053% | 2,001 |
| Total risk-based capital ratio | 19.9578% | 1,965 |
| Memoranda: | ||
| Average total assets | $575,729,670 | 1,150 |
| Average earning assets | $533,899,000 | 1,137 |
| Average equity | $62,132,330 | 1,171 |
| Average total loans | $407,832,000 | 1,070 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,657 |
| Cost of funding earning assets | 0.9585% | 323 |
| Net interest margin | 2.7943% | 5,946 |
| Noninterest income to average assets | 0.3542% | 4,544 |
| Noninterest expense to average assets | 3.2333% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2886% | 6,392 |
| Return on assets (ROA) | -0.2886% | 6,394 |
| Pretax return on assets | -0.2886% | 6,388 |
| Return on Equity (ROE) | -2.7162% | 6,393 |
| Retained earnings to average equity (ytd only) | -2.7162% | 5,933 |
| Net charge-offs to loans | -0.0019% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8007% | 273 |
| Assets per employee ($millions) | 5.4722% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 4,772 |
| Loan loss allowance to noncurrent loans | 147.1910% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 3,294 |
| Noncurrent loans to loans | 0.7956% | 3,883 |
| Net loans and leases to total assets | 71.1924% | 1,695 |
| Net loans and leases to deposits | 88.2867% | 1,325 |
| Net loans and leases to core deposits | 90.6082% | 1,861 |
| Total domestic deposits to total assets | 80.6377% | 5,336 |
| Equity capital to assets | 10.7659% | 2,969 |
| Core capital (leverage) ratio | 11.0066% | 2,387 |
| Tier 1 risk-based capital ratio | 17.9752% | 2,306 |
| Total risk-based capital ratio | 19.2270% | 2,284 |
| Memoranda: | ||
| Average total assets | $579,345,500 | 1,151 |
| Average earning assets | $537,098,500 | 1,140 |
| Average equity | $61,557,500 | 1,178 |
| Average total loans | $413,028,000 | 1,061 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 5,343 |
| Cost of funding earning assets | 1.0896% | 301 |
| Net interest margin | 2.5367% | 6,340 |
| Noninterest income to average assets | 0.3348% | 4,935 |
| Noninterest expense to average assets | 3.1720% | 2,504 |
| Loan and lease loss provision to assets | 1.7143% | 65 |
| Net operating income to assets | -3.1446% | 6,765 |
| Return on assets (ROA) | -3.0714% | 6,762 |
| Pretax return on assets | -2.1267% | 6,717 |
| Return on Equity (ROE) | -26.2491% | 6,708 |
| Retained earnings to average equity (ytd only) | -26.2491% | 6,701 |
| Net charge-offs to loans | 3.1495% | 75 |
| Credit loss provision to net charge-offs | 80.0103% | 3,042 |
| Earnings coverage of net charge-offs (x) | -0.2267% | 5,155 |
| Efficiency ratio | 118.0776% | 192 |
| Assets per employee ($millions) | 5.2623% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 4,779 |
| Loan loss allowance to noncurrent loans | 166.6094% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 3,598 |
| Noncurrent loans to loans | 0.7056% | 4,206 |
| Net loans and leases to total assets | 69.7310% | 2,064 |
| Net loans and leases to deposits | 85.6873% | 1,724 |
| Net loans and leases to core deposits | 87.8163% | 2,262 |
| Total domestic deposits to total assets | 81.3785% | 5,074 |
| Equity capital to assets | 10.4871% | 3,177 |
| Core capital (leverage) ratio | 10.8140% | 2,562 |
| Tier 1 risk-based capital ratio | 17.7284% | 2,331 |
| Total risk-based capital ratio | 18.9799% | 2,309 |
| Memoranda: | ||
| Average total assets | $636,703,400 | 1,050 |
| Average earning assets | $590,222,600 | 1,038 |
| Average equity | $74,501,600 | 960 |
| Average total loans | $433,151,000 | 984 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 5,438 |
| Cost of funding earning assets | 1.1232% | 271 |
| Net interest margin | 2.4777% | 6,446 |
| Noninterest income to average assets | 0.3199% | 5,130 |
| Noninterest expense to average assets | 3.2675% | 2,158 |
| Loan and lease loss provision to assets | 2.2232% | 32 |
| Net operating income to assets | -4.1077% | 6,873 |
| Return on assets (ROA) | -4.0148% | 6,871 |
| Pretax return on assets | -2.7807% | 6,836 |
| Return on Equity (ROE) | -33.5291% | 6,825 |
| Retained earnings to average equity (ytd only) | -33.5291% | 6,820 |
| Net charge-offs to loans | 4.0504% | 44 |
| Credit loss provision to net charge-offs | 81.3636% | 2,815 |
| Earnings coverage of net charge-offs (x) | -0.2380% | 4,921 |
| Efficiency ratio | 124.8511% | 144 |
| Assets per employee ($millions) | 5.3296% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 4,785 |
| Loan loss allowance to noncurrent loans | 65.7113% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 2,045 |
| Noncurrent loans to loans | 1.8562% | 2,426 |
| Net loans and leases to total assets | 69.6806% | 2,021 |
| Net loans and leases to deposits | 84.6306% | 1,786 |
| Net loans and leases to core deposits | 86.5679% | 2,336 |
| Total domestic deposits to total assets | 82.3349% | 4,811 |
| Equity capital to assets | 10.4873% | 3,293 |
| Core capital (leverage) ratio | 10.9069% | 2,567 |
| Tier 1 risk-based capital ratio | 17.7194% | 2,431 |
| Total risk-based capital ratio | 18.9716% | 2,395 |
| Memoranda: | ||
| Average total assets | $649,851,750 | 1,033 |
| Average earning assets | $602,537,500 | 1,026 |
| Average equity | $77,813,000 | 927 |
| Average total loans | $438,401,000 | 974 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 5,636 |
| Cost of funding earning assets | 1.1327% | 285 |
| Net interest margin | 2.3942% | 6,560 |
| Noninterest income to average assets | 0.2220% | 5,856 |
| Noninterest expense to average assets | 2.7403% | 3,888 |
| Loan and lease loss provision to assets | 0.2555% | 1,447 |
| Net operating income to assets | -0.3184% | 6,559 |
| Return on assets (ROA) | -0.2274% | 6,538 |
| Pretax return on assets | -0.4106% | 6,599 |
| Return on Equity (ROE) | -1.8322% | 6,515 |
| Retained earnings to average equity (ytd only) | -1.8322% | 6,171 |
| Net charge-offs to loans | 1.0628% | 566 |
| Credit loss provision to net charge-offs | 36.1217% | 3,488 |
| Earnings coverage of net charge-offs (x) | -0.4204% | 4,652 |
| Efficiency ratio | 112.1713% | 252 |
| Assets per employee ($millions) | 6.3068% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,991 |
| Loan loss allowance to noncurrent loans | 41.6266% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 3.0022% | 1,350 |
| Noncurrent loans to loans | 3.3856% | 1,266 |
| Net loans and leases to total assets | 64.6343% | 2,819 |
| Net loans and leases to deposits | 81.2111% | 2,156 |
| Net loans and leases to core deposits | 83.0718% | 2,687 |
| Total domestic deposits to total assets | 79.5881% | 5,695 |
| Equity capital to assets | 12.3762% | 1,654 |
| Core capital (leverage) ratio | 11.9885% | 1,620 |
| Tier 1 risk-based capital ratio | 20.2701% | 1,659 |
| Total risk-based capital ratio | 21.5245% | 1,636 |
| Memoranda: | ||
| Average total assets | $669,272,000 | 996 |
| Average earning assets | $620,842,330 | 991 |
| Average equity | $83,070,000 | 865 |
| Average total loans | $445,430,000 | 959 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 5,812 |
| Cost of funding earning assets | 1.1841% | 245 |
| Net interest margin | 2.2749% | 6,702 |
| Noninterest income to average assets | 0.2982% | 5,319 |
| Noninterest expense to average assets | 2.7529% | 3,860 |
| Loan and lease loss provision to assets | 0.6184% | 405 |
| Net operating income to assets | -0.5853% | 6,708 |
| Return on assets (ROA) | -0.5160% | 6,704 |
| Pretax return on assets | -0.8456% | 6,764 |
| Return on Equity (ROE) | -4.1516% | 6,660 |
| Retained earnings to average equity (ytd only) | -4.1516% | 6,293 |
| Net charge-offs to loans | 2.0435% | 226 |
| Credit loss provision to net charge-offs | 45.1404% | 2,686 |
| Earnings coverage of net charge-offs (x) | -0.2449% | 3,881 |
| Efficiency ratio | 113.8800% | 278 |
| Assets per employee ($millions) | 6.5440% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,274 |
| Loan loss allowance to noncurrent loans | 36.5291% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 3.2031% | 1,363 |
| Noncurrent loans to loans | 3.8131% | 1,208 |
| Net loans and leases to total assets | 66.1902% | 2,339 |
| Net loans and leases to deposits | 82.9504% | 1,718 |
| Net loans and leases to core deposits | 85.1432% | 2,198 |
| Total domestic deposits to total assets | 79.7950% | 5,796 |
| Equity capital to assets | 12.3791% | 1,788 |
| Core capital (leverage) ratio | 11.7163% | 1,735 |
| Tier 1 risk-based capital ratio | 19.6116% | 1,879 |
| Total risk-based capital ratio | 20.8658% | 1,856 |
| Memoranda: | ||
| Average total assets | $675,953,000 | 997 |
| Average earning assets | $629,661,500 | 985 |
| Average equity | $84,016,500 | 859 |
| Average total loans | $453,143,500 | 938 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 5,393 |
| Cost of funding earning assets | 1.3077% | 363 |
| Net interest margin | 2.6639% | 6,571 |
| Noninterest income to average assets | 0.4847% | 4,004 |
| Noninterest expense to average assets | 2.5981% | 4,751 |
| Loan and lease loss provision to assets | 0.2249% | 2,880 |
| Net operating income to assets | 0.1592% | 5,867 |
| Return on assets (ROA) | 0.2074% | 5,946 |
| Pretax return on assets | 0.1931% | 6,000 |
| Return on Equity (ROE) | 2.1895% | 5,847 |
| Retained earnings to average equity (ytd only) | 2.1895% | 4,693 |
| Net charge-offs to loans | 0.6275% | 1,867 |
| Credit loss provision to net charge-offs | 51.1344% | 4,673 |
| Earnings coverage of net charge-offs (x) | 0.8408% | 5,058 |
| Efficiency ratio | 87.5376% | 1,285 |
| Assets per employee ($millions) | 6.5813% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,047 |
| Loan loss allowance to noncurrent loans | 67.6857% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2091% | 2,217 |
| Noncurrent loans to loans | 2.4649% | 2,154 |
| Net loans and leases to total assets | 65.8337% | 2,556 |
| Net loans and leases to deposits | 82.4983% | 1,939 |
| Net loans and leases to core deposits | 85.1643% | 2,408 |
| Total domestic deposits to total assets | 79.8001% | 5,719 |
| Equity capital to assets | 12.4793% | 1,728 |
| Core capital (leverage) ratio | 11.9634% | 1,586 |
| Tier 1 risk-based capital ratio | 19.9443% | 1,694 |
| Total risk-based capital ratio | 21.2019% | 1,665 |
| Memoranda: | ||
| Average total assets | $671,298,000 | 978 |
| Average earning assets | $625,764,200 | 958 |
| Average equity | $63,575,200 | 1,112 |
| Average total loans | $470,564,600 | 869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 5,389 |
| Cost of funding earning assets | 1.3272% | 391 |
| Net interest margin | 2.7140% | 6,626 |
| Noninterest income to average assets | 0.3582% | 4,960 |
| Noninterest expense to average assets | 2.5836% | 4,794 |
| Loan and lease loss provision to assets | 0.2210% | 2,853 |
| Net operating income to assets | 0.0766% | 6,164 |
| Return on assets (ROA) | 0.1320% | 6,212 |
| Pretax return on assets | 0.1402% | 6,215 |
| Return on Equity (ROE) | 1.5157% | 6,155 |
| Retained earnings to average equity (ytd only) | 1.5157% | 5,581 |
| Net charge-offs to loans | 0.7142% | 1,547 |
| Credit loss provision to net charge-offs | 43.6492% | 4,537 |
| Earnings coverage of net charge-offs (x) | 0.5969% | 5,018 |
| Efficiency ratio | 89.5267% | 1,073 |
| Assets per employee ($millions) | 7.1765% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 3,406 |
| Loan loss allowance to noncurrent loans | 77.7641% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.0189% | 2,612 |
| Noncurrent loans to loans | 2.0987% | 2,740 |
| Net loans and leases to total assets | 64.3235% | 2,974 |
| Net loans and leases to deposits | 84.2692% | 1,836 |
| Net loans and leases to core deposits | 87.1147% | 2,331 |
| Total domestic deposits to total assets | 76.3310% | 6,337 |
| Equity capital to assets | 8.2810% | 6,431 |
| Core capital (leverage) ratio | 7.7027% | 6,529 |
| Tier 1 risk-based capital ratio | 12.9601% | 5,282 |
| Total risk-based capital ratio | 14.2169% | 5,241 |
| Memoranda: | ||
| Average total assets | $669,653,500 | 987 |
| Average earning assets | $623,668,750 | 973 |
| Average equity | $58,320,500 | 1,219 |
| Average total loans | $474,745,000 | 871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 4,962 |
| Cost of funding earning assets | 1.3746% | 385 |
| Net interest margin | 2.8233% | 6,538 |
| Noninterest income to average assets | 0.3646% | 4,912 |
| Noninterest expense to average assets | 2.6974% | 4,439 |
| Loan and lease loss provision to assets | 0.2012% | 3,065 |
| Net operating income to assets | 0.0822% | 6,198 |
| Return on assets (ROA) | 0.1399% | 6,231 |
| Pretax return on assets | 0.1530% | 6,222 |
| Return on Equity (ROE) | 1.5787% | 6,173 |
| Retained earnings to average equity (ytd only) | 1.5787% | 5,418 |
| Net charge-offs to loans | 0.7078% | 1,566 |
| Credit loss provision to net charge-offs | 39.0071% | 4,284 |
| Earnings coverage of net charge-offs (x) | 0.5638% | 4,788 |
| Efficiency ratio | 90.2673% | 1,052 |
| Assets per employee ($millions) | 6.7979% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 3,290 |
| Loan loss allowance to noncurrent loans | 75.1129% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.2746% | 2,460 |
| Noncurrent loans to loans | 2.2441% | 2,677 |
| Net loans and leases to total assets | 71.3485% | 1,670 |
| Net loans and leases to deposits | 85.9855% | 1,601 |
| Net loans and leases to core deposits | 88.8995% | 2,111 |
| Total domestic deposits to total assets | 82.9774% | 4,764 |
| Equity capital to assets | 8.9513% | 5,757 |
| Core capital (leverage) ratio | 8.3861% | 5,807 |
| Tier 1 risk-based capital ratio | 12.8706% | 5,273 |
| Total risk-based capital ratio | 14.1285% | 5,245 |
| Memoranda: | ||
| Average total assets | $656,047,000 | 1,008 |
| Average earning assets | $609,632,000 | 990 |
| Average equity | $58,149,330 | 1,220 |
| Average total loans | $478,132,330 | 864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 4,962 |
| Cost of funding earning assets | 1.4045% | 419 |
| Net interest margin | 2.8352% | 6,579 |
| Noninterest income to average assets | 0.4439% | 4,333 |
| Noninterest expense to average assets | 2.8454% | 3,844 |
| Loan and lease loss provision to assets | 0.1976% | 2,967 |
| Net operating income to assets | 0.0311% | 6,365 |
| Return on assets (ROA) | 0.1241% | 6,314 |
| Pretax return on assets | 0.1362% | 6,325 |
| Return on Equity (ROE) | 1.4065% | 6,252 |
| Retained earnings to average equity (ytd only) | 1.4065% | 5,531 |
| Net charge-offs to loans | 1.0525% | 982 |
| Credit loss provision to net charge-offs | 25.7120% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.3014% | 4,213 |
| Efficiency ratio | 92.4704% | 912 |
| Assets per employee ($millions) | 6.8440% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 3,354 |
| Loan loss allowance to noncurrent loans | 68.8491% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.5336% | 2,340 |
| Noncurrent loans to loans | 2.4689% | 2,639 |
| Net loans and leases to total assets | 71.8301% | 1,434 |
| Net loans and leases to deposits | 86.5745% | 1,346 |
| Net loans and leases to core deposits | 89.6464% | 1,884 |
| Total domestic deposits to total assets | 82.9691% | 4,941 |
| Equity capital to assets | 8.9407% | 5,584 |
| Core capital (leverage) ratio | 8.2734% | 5,916 |
| Tier 1 risk-based capital ratio | 12.4473% | 5,649 |
| Total risk-based capital ratio | 13.7051% | 5,607 |
| Memoranda: | ||
| Average total assets | $657,771,500 | 1,005 |
| Average earning assets | $610,889,000 | 984 |
| Average equity | $58,016,000 | 1,226 |
| Average total loans | $480,397,500 | 859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 4,509 |
| Cost of funding earning assets | 1.5602% | 557 |
| Net interest margin | 3.0789% | 6,388 |
| Noninterest income to average assets | 0.2719% | 5,580 |
| Noninterest expense to average assets | 2.6947% | 4,763 |
| Loan and lease loss provision to assets | 1.5204% | 481 |
| Net operating income to assets | -0.6566% | 6,579 |
| Return on assets (ROA) | -0.6170% | 6,603 |
| Pretax return on assets | -1.0287% | 6,743 |
| Return on Equity (ROE) | -7.5011% | 6,658 |
| Retained earnings to average equity (ytd only) | -7.5011% | 6,601 |
| Net charge-offs to loans | 1.6834% | 906 |
| Credit loss provision to net charge-offs | 116.8004% | 2,764 |
| Earnings coverage of net charge-offs (x) | 0.3302% | 5,577 |
| Efficiency ratio | 86.2449% | 1,529 |
| Assets per employee ($millions) | 7.1544% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 2,688 |
| Loan loss allowance to noncurrent loans | 86.6161% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.5308% | 2,398 |
| Noncurrent loans to loans | 2.1429% | 3,018 |
| Net loans and leases to total assets | 71.6419% | 1,701 |
| Net loans and leases to deposits | 86.0181% | 1,666 |
| Net loans and leases to core deposits | 88.8067% | 2,274 |
| Total domestic deposits to total assets | 83.2871% | 4,630 |
| Equity capital to assets | 8.7022% | 5,893 |
| Core capital (leverage) ratio | 8.0864% | 6,160 |
| Tier 1 risk-based capital ratio | 11.8849% | 5,911 |
| Total risk-based capital ratio | 13.1443% | 5,882 |
| Memoranda: | ||
| Average total assets | $670,356,400 | 968 |
| Average earning assets | $621,057,200 | 952 |
| Average equity | $55,138,800 | 1,232 |
| Average total loans | $518,355,200 | 800 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 4,344 |
| Cost of funding earning assets | 1.5806% | 636 |
| Net interest margin | 3.1423% | 6,309 |
| Noninterest income to average assets | -0.2488% | 7,289 |
| Noninterest expense to average assets | 2.2910% | 6,063 |
| Loan and lease loss provision to assets | 2.0829% | 248 |
| Net operating income to assets | -1.0587% | 6,909 |
| Return on assets (ROA) | -1.0587% | 6,936 |
| Pretax return on assets | -1.7123% | 7,063 |
| Return on Equity (ROE) | -13.0592% | 6,973 |
| Retained earnings to average equity (ytd only) | -13.0592% | 6,949 |
| Net charge-offs to loans | 1.5285% | 948 |
| Credit loss provision to net charge-offs | 173.8237% | 1,717 |
| Earnings coverage of net charge-offs (x) | 0.3093% | 5,374 |
| Efficiency ratio | 86.0744% | 1,523 |
| Assets per employee ($millions) | 7.3578% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7174% | 3,213 |
| Loan loss allowance to noncurrent loans | 70.7813% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 3.1379% | 2,034 |
| Noncurrent loans to loans | 2.4263% | 2,853 |
| Net loans and leases to total assets | 76.4150% | 923 |
| Net loans and leases to deposits | 91.1057% | 1,099 |
| Net loans and leases to core deposits | 94.3754% | 1,759 |
| Total domestic deposits to total assets | 83.8751% | 4,291 |
| Equity capital to assets | 8.0521% | 6,663 |
| Core capital (leverage) ratio | 7.5439% | 6,740 |
| Tier 1 risk-based capital ratio | 10.7559% | 6,687 |
| Total risk-based capital ratio | 12.0142% | 6,661 |
| Memoranda: | ||
| Average total assets | $671,605,750 | 973 |
| Average earning assets | $622,025,000 | 959 |
| Average equity | $54,448,250 | 1,249 |
| Average total loans | $526,521,250 | 805 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 4,319 |
| Cost of funding earning assets | 1.5934% | 710 |
| Net interest margin | 3.1532% | 6,278 |
| Noninterest income to average assets | -0.0957% | 7,285 |
| Noninterest expense to average assets | 2.2975% | 6,142 |
| Loan and lease loss provision to assets | 2.5912% | 194 |
| Net operating income to assets | -1.2651% | 7,020 |
| Return on assets (ROA) | -1.2651% | 7,031 |
| Pretax return on assets | -2.0592% | 7,173 |
| Return on Equity (ROE) | -15.5698% | 7,076 |
| Retained earnings to average equity (ytd only) | -15.5698% | 7,050 |
| Net charge-offs to loans | 1.8295% | 755 |
| Credit loss provision to net charge-offs | 180.1731% | 1,677 |
| Earnings coverage of net charge-offs (x) | 0.3700% | 5,028 |
| Efficiency ratio | 81.1963% | 2,217 |
| Assets per employee ($millions) | 7.5167% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,649 |
| Loan loss allowance to noncurrent loans | 45.9662% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 3.6664% | 1,783 |
| Noncurrent loans to loans | 3.5049% | 2,015 |
| Net loans and leases to total assets | 77.3932% | 858 |
| Net loans and leases to deposits | 92.1598% | 1,040 |
| Net loans and leases to core deposits | 95.2336% | 1,759 |
| Total domestic deposits to total assets | 83.9771% | 4,362 |
| Equity capital to assets | 8.0656% | 6,625 |
| Core capital (leverage) ratio | 7.6213% | 6,650 |
| Tier 1 risk-based capital ratio | 10.7712% | 6,678 |
| Total risk-based capital ratio | 12.0279% | 6,653 |
| Memoranda: | ||
| Average total assets | $674,741,000 | 981 |
| Average earning assets | $625,960,000 | 959 |
| Average equity | $54,824,000 | 1,229 |
| Average total loans | $530,407,670 | 811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 4,413 |
| Cost of funding earning assets | 1.6086% | 795 |
| Net interest margin | 3.1135% | 6,313 |
| Noninterest income to average assets | -0.0679% | 7,371 |
| Noninterest expense to average assets | 2.3075% | 6,167 |
| Loan and lease loss provision to assets | 4.8063% | 68 |
| Net operating income to assets | -2.7892% | 7,375 |
| Return on assets (ROA) | -2.7892% | 7,375 |
| Pretax return on assets | -4.2909% | 7,450 |
| Return on Equity (ROE) | -34.2038% | 7,351 |
| Retained earnings to average equity (ytd only) | -34.2038% | 7,327 |
| Net charge-offs to loans | 3.1452% | 337 |
| Credit loss provision to net charge-offs | 194.4590% | 1,522 |
| Earnings coverage of net charge-offs (x) | 0.2085% | 4,456 |
| Efficiency ratio | 81.7440% | 2,263 |
| Assets per employee ($millions) | 7.2643% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,565 |
| Loan loss allowance to noncurrent loans | 59.2775% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.9913% | 2,308 |
| Noncurrent loans to loans | 2.7699% | 2,732 |
| Net loans and leases to total assets | 77.6595% | 776 |
| Net loans and leases to deposits | 92.3881% | 984 |
| Net loans and leases to core deposits | 95.8942% | 1,683 |
| Total domestic deposits to total assets | 84.0579% | 4,471 |
| Equity capital to assets | 7.9123% | 6,583 |
| Core capital (leverage) ratio | 7.4055% | 6,787 |
| Tier 1 risk-based capital ratio | 10.3392% | 6,891 |
| Total risk-based capital ratio | 11.5962% | 6,873 |
| Memoranda: | ||
| Average total assets | $677,617,500 | 988 |
| Average earning assets | $629,123,500 | 961 |
| Average equity | $55,257,000 | 1,196 |
| Average total loans | $532,497,000 | 812 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 4,429 |
| Cost of funding earning assets | 1.9827% | 644 |
| Net interest margin | 3.0439% | 6,652 |
| Noninterest income to average assets | -0.1578% | 7,446 |
| Noninterest expense to average assets | 2.0725% | 6,905 |
| Loan and lease loss provision to assets | 1.4901% | 999 |
| Net operating income to assets | -0.5872% | 6,441 |
| Return on assets (ROA) | -0.5884% | 6,470 |
| Pretax return on assets | -0.9106% | 6,583 |
| Return on Equity (ROE) | -6.7636% | 6,544 |
| Retained earnings to average equity (ytd only) | -6.7636% | 6,446 |
| Net charge-offs to loans | 1.4193% | 1,568 |
| Credit loss provision to net charge-offs | 127.9375% | 3,142 |
| Earnings coverage of net charge-offs (x) | 0.4991% | 5,612 |
| Efficiency ratio | 78.0939% | 2,694 |
| Assets per employee ($millions) | 7.4666% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,840 |
| Loan loss allowance to noncurrent loans | 35.3577% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 2.9913% | 2,351 |
| Noncurrent loans to loans | 3.1871% | 2,389 |
| Net loans and leases to total assets | 77.3401% | 1,040 |
| Net loans and leases to deposits | 92.2758% | 1,242 |
| Net loans and leases to core deposits | 96.2012% | 1,985 |
| Total domestic deposits to total assets | 83.8141% | 4,445 |
| Equity capital to assets | 8.3903% | 6,014 |
| Core capital (leverage) ratio | 8.4738% | 5,413 |
| Tier 1 risk-based capital ratio | 11.6733% | 5,747 |
| Total risk-based capital ratio | 12.8865% | 5,786 |
| Memoranda: | ||
| Average total assets | $692,703,600 | 961 |
| Average earning assets | $639,829,200 | 945 |
| Average equity | $60,264,000 | 1,106 |
| Average total loans | $568,452,200 | 791 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 4,316 |
| Cost of funding earning assets | 2.0339% | 675 |
| Net interest margin | 3.0651% | 6,696 |
| Noninterest income to average assets | -0.1575% | 7,568 |
| Noninterest expense to average assets | 2.0249% | 7,003 |
| Loan and lease loss provision to assets | 1.6177% | 798 |
| Net operating income to assets | -0.6351% | 6,687 |
| Return on assets (ROA) | -0.6367% | 6,738 |
| Pretax return on assets | -0.9775% | 6,846 |
| Return on Equity (ROE) | -7.2551% | 6,802 |
| Retained earnings to average equity (ytd only) | -7.2551% | 6,729 |
| Net charge-offs to loans | 1.7094% | 1,143 |
| Credit loss provision to net charge-offs | 113.9957% | 3,670 |
| Earnings coverage of net charge-offs (x) | 0.4529% | 5,570 |
| Efficiency ratio | 75.9073% | 2,970 |
| Assets per employee ($millions) | 7.5371% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 6,669 |
| Loan loss allowance to noncurrent loans | 31.6326% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 2.9868% | 2,433 |
| Noncurrent loans to loans | 2.9129% | 2,741 |
| Net loans and leases to total assets | 76.4397% | 1,326 |
| Net loans and leases to deposits | 91.5815% | 1,505 |
| Net loans and leases to core deposits | 95.4417% | 2,328 |
| Total domestic deposits to total assets | 83.4663% | 4,394 |
| Equity capital to assets | 8.2580% | 6,555 |
| Core capital (leverage) ratio | 8.2448% | 5,966 |
| Tier 1 risk-based capital ratio | 11.8275% | 5,611 |
| Total risk-based capital ratio | 12.8474% | 5,823 |
| Memoranda: | ||
| Average total assets | $694,148,500 | 964 |
| Average earning assets | $639,798,750 | 952 |
| Average equity | $60,921,250 | 1,100 |
| Average total loans | $576,234,500 | 786 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 4,044 |
| Cost of funding earning assets | 2.0973% | 663 |
| Net interest margin | 3.0834% | 6,646 |
| Noninterest income to average assets | 0.0125% | 7,488 |
| Noninterest expense to average assets | 2.0333% | 7,044 |
| Loan and lease loss provision to assets | 1.3648% | 992 |
| Net operating income to assets | -0.2935% | 6,466 |
| Return on assets (ROA) | -0.2935% | 6,514 |
| Pretax return on assets | -0.5340% | 6,614 |
| Return on Equity (ROE) | -3.2771% | 6,542 |
| Retained earnings to average equity (ytd only) | -3.2771% | 6,335 |
| Net charge-offs to loans | 0.9761% | 1,894 |
| Credit loss provision to net charge-offs | 164.3985% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1.0007% | 4,787 |
| Efficiency ratio | 70.9943% | 3,985 |
| Assets per employee ($millions) | 7.5926% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 6,293 |
| Loan loss allowance to noncurrent loans | 29.4733% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 1,863 |
| Noncurrent loans to loans | 3.4763% | 2,279 |
| Net loans and leases to total assets | 82.3779% | 499 |
| Net loans and leases to deposits | 102.7038% | 552 |
| Net loans and leases to core deposits | 102.7038% | 1,765 |
| Total domestic deposits to total assets | 80.2092% | 5,665 |
| Equity capital to assets | 8.8831% | 5,625 |
| Core capital (leverage) ratio | 8.8740% | 4,799 |
| Tier 1 risk-based capital ratio | 11.7664% | 5,530 |
| Total risk-based capital ratio | 12.8972% | 5,592 |
| Memoranda: | ||
| Average total assets | $686,857,670 | 978 |
| Average earning assets | $635,203,670 | 963 |
| Average equity | $61,518,670 | 1,078 |
| Average total loans | $584,174,670 | 778 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 4,122 |
| Cost of funding earning assets | 2.1425% | 703 |
| Net interest margin | 3.0393% | 6,742 |
| Noninterest income to average assets | 0.0613% | 7,412 |
| Noninterest expense to average assets | 2.0087% | 7,144 |
| Loan and lease loss provision to assets | 2.1243% | 515 |
| Net operating income to assets | -0.7389% | 6,978 |
| Return on assets (ROA) | -0.7389% | 7,002 |
| Pretax return on assets | -1.2570% | 7,170 |
| Return on Equity (ROE) | -8.2156% | 7,066 |
| Retained earnings to average equity (ytd only) | -8.2156% | 6,847 |
| Net charge-offs to loans | 1.7237% | 1,007 |
| Credit loss provision to net charge-offs | 143.3583% | 2,481 |
| Earnings coverage of net charge-offs (x) | 0.5853% | 4,502 |
| Efficiency ratio | 69.8416% | 4,337 |
| Assets per employee ($millions) | 7.5205% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 6,890 |
| Loan loss allowance to noncurrent loans | 23.4542% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 3.7554% | 1,854 |
| Noncurrent loans to loans | 3.7689% | 2,104 |
| Net loans and leases to total assets | 83.5413% | 420 |
| Net loans and leases to deposits | 106.0125% | 423 |
| Net loans and leases to core deposits | 106.0125% | 1,573 |
| Total domestic deposits to total assets | 78.8033% | 6,123 |
| Equity capital to assets | 8.8167% | 5,520 |
| Core capital (leverage) ratio | 8.8191% | 4,834 |
| Tier 1 risk-based capital ratio | 11.9296% | 5,273 |
| Total risk-based capital ratio | 12.9375% | 5,455 |
| Memoranda: | ||
| Average total assets | $684,822,500 | 1,002 |
| Average earning assets | $634,227,000 | 987 |
| Average equity | $61,590,000 | 1,085 |
| Average total loans | $588,730,000 | 788 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 4,415 |
| Cost of funding earning assets | 2.8354% | 400 |
| Net interest margin | 2.6194% | 7,315 |
| Noninterest income to average assets | 0.1179% | 7,164 |
| Noninterest expense to average assets | 2.1393% | 7,102 |
| Loan and lease loss provision to assets | 0.3876% | 4,470 |
| Net operating income to assets | 0.0492% | 5,342 |
| Return on assets (ROA) | 0.0509% | 5,392 |
| Pretax return on assets | 0.0247% | 5,375 |
| Return on Equity (ROE) | 0.5585% | 5,368 |
| Retained earnings to average equity (ytd only) | 0.5585% | 4,590 |
| Net charge-offs to loans | 0.5660% | 3,525 |
| Credit loss provision to net charge-offs | 77.9947% | 6,341 |
| Earnings coverage of net charge-offs (x) | 0.8264% | 5,283 |
| Efficiency ratio | 83.8944% | 2,364 |
| Assets per employee ($millions) | 7.3669% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 7,410 |
| Loan loss allowance to noncurrent loans | 21.6036% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 3.4228% | 1,971 |
| Noncurrent loans to loans | 3.1584% | 2,424 |
| Net loans and leases to total assets | 87.0869% | 217 |
| Net loans and leases to deposits | 113.2282% | 282 |
| Net loans and leases to core deposits | 139.5209% | 829 |
| Total domestic deposits to total assets | 76.9127% | 6,504 |
| Equity capital to assets | 9.1741% | 4,882 |
| Core capital (leverage) ratio | 9.1842% | 4,144 |
| Tier 1 risk-based capital ratio | 12.0268% | 4,924 |
| Total risk-based capital ratio | 12.8101% | 5,296 |
| Memoranda: | ||
| Average total assets | $680,309,600 | 1,011 |
| Average earning assets | $631,665,600 | 990 |
| Average equity | $61,954,800 | 1,068 |
| Average total loans | $597,346,600 | 791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 4,779 |
| Cost of funding earning assets | 2.9348% | 400 |
| Net interest margin | 2.4978% | 7,468 |
| Noninterest income to average assets | 0.1304% | 7,231 |
| Noninterest expense to average assets | 2.0630% | 7,261 |
| Loan and lease loss provision to assets | 0.3313% | 4,355 |
| Net operating income to assets | 0.0709% | 5,555 |
| Return on assets (ROA) | 0.0728% | 5,590 |
| Pretax return on assets | 0.0591% | 5,601 |
| Return on Equity (ROE) | 0.8013% | 5,557 |
| Retained earnings to average equity (ytd only) | 0.8013% | 4,843 |
| Net charge-offs to loans | 0.1725% | 5,010 |
| Credit loss provision to net charge-offs | 218.6047% | 2,008 |
| Earnings coverage of net charge-offs (x) | 2.5633% | 3,943 |
| Efficiency ratio | 84.1534% | 2,276 |
| Assets per employee ($millions) | 7.5430% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 6,504 |
| Loan loss allowance to noncurrent loans | 40.2818% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 2.9210% | 2,375 |
| Noncurrent loans to loans | 2.3751% | 3,174 |
| Net loans and leases to total assets | 86.2376% | 330 |
| Net loans and leases to deposits | 114.3265% | 314 |
| Net loans and leases to core deposits | 140.5340% | 891 |
| Total domestic deposits to total assets | 75.4310% | 6,692 |
| Equity capital to assets | 9.0587% | 5,402 |
| Core capital (leverage) ratio | 9.0676% | 4,547 |
| Tier 1 risk-based capital ratio | 11.9220% | 5,043 |
| Total risk-based capital ratio | 13.0172% | 5,126 |
| Memoranda: | ||
| Average total assets | $680,948,250 | 1,017 |
| Average earning assets | $632,754,500 | 1,002 |
| Average equity | $61,899,000 | 1,085 |
| Average total loans | $598,110,500 | 808 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4016% | 5,144 |
| Cost of funding earning assets | 2.9900% | 490 |
| Net interest margin | 2.4116% | 7,561 |
| Noninterest income to average assets | 0.1894% | 6,938 |
| Noninterest expense to average assets | 2.0682% | 7,337 |
| Loan and lease loss provision to assets | 0.2274% | 4,760 |
| Net operating income to assets | 0.1251% | 5,494 |
| Return on assets (ROA) | 0.1278% | 5,587 |
| Pretax return on assets | 0.1411% | 5,584 |
| Return on Equity (ROE) | 1.4044% | 5,495 |
| Retained earnings to average equity (ytd only) | 1.4044% | 4,553 |
| Net charge-offs to loans | 0.1768% | 4,470 |
| Credit loss provision to net charge-offs | 145.9357% | 3,169 |
| Earnings coverage of net charge-offs (x) | 2.3459% | 3,891 |
| Efficiency ratio | 84.9831% | 2,363 |
| Assets per employee ($millions) | 7.8022% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 7,031 |
| Loan loss allowance to noncurrent loans | 48.4298% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.1836% | 2,955 |
| Noncurrent loans to loans | 1.7284% | 3,917 |
| Net loans and leases to total assets | 85.0792% | 495 |
| Net loans and leases to deposits | 112.6326% | 458 |
| Net loans and leases to core deposits | 137.6412% | 1,122 |
| Total domestic deposits to total assets | 75.5369% | 6,650 |
| Equity capital to assets | 8.8369% | 5,542 |
| Core capital (leverage) ratio | 8.8660% | 4,838 |
| Tier 1 risk-based capital ratio | 11.5396% | 5,344 |
| Total risk-based capital ratio | 12.4740% | 5,580 |
| Memoranda: | ||
| Average total assets | $679,126,670 | 1,037 |
| Average earning assets | $632,030,330 | 1,021 |
| Average equity | $61,805,330 | 1,102 |
| Average total loans | $598,259,330 | 826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 5,175 |
| Cost of funding earning assets | 3.0302% | 571 |
| Net interest margin | 2.4201% | 7,596 |
| Noninterest income to average assets | 0.2055% | 6,819 |
| Noninterest expense to average assets | 1.9359% | 7,479 |
| Loan and lease loss provision to assets | 0.2768% | 3,744 |
| Net operating income to assets | 0.1936% | 5,679 |
| Return on assets (ROA) | 0.1977% | 5,838 |
| Pretax return on assets | 0.2558% | 5,804 |
| Return on Equity (ROE) | 2.1400% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.1400% | 4,678 |
| Net charge-offs to loans | 0.2778% | 3,008 |
| Credit loss provision to net charge-offs | 111.5942% | 3,463 |
| Earnings coverage of net charge-offs (x) | 2.1256% | 3,663 |
| Efficiency ratio | 78.5940% | 3,063 |
| Assets per employee ($millions) | 7.6855% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 7,121 |
| Loan loss allowance to noncurrent loans | 49.3484% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.1633% | 2,651 |
| Noncurrent loans to loans | 1.6408% | 3,812 |
| Net loans and leases to total assets | 87.7920% | 283 |
| Net loans and leases to deposits | 117.7035% | 341 |
| Net loans and leases to core deposits | 145.9378% | 863 |
| Total domestic deposits to total assets | 74.5874% | 6,787 |
| Equity capital to assets | 9.1435% | 5,161 |
| Core capital (leverage) ratio | 9.1870% | 4,427 |
| Tier 1 risk-based capital ratio | 11.9492% | 5,001 |
| Total risk-based capital ratio | 12.8809% | 5,184 |
| Memoranda: | ||
| Average total assets | $667,590,000 | 1,062 |
| Average earning assets | $622,796,000 | 1,032 |
| Average equity | $61,681,500 | 1,108 |
| Average total loans | $596,154,500 | 832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0586% | 5,257 |
| Cost of funding earning assets | 3.3583% | 789 |
| Net interest margin | 2.7003% | 7,498 |
| Noninterest income to average assets | 0.2772% | 6,476 |
| Noninterest expense to average assets | 1.9833% | 7,472 |
| Loan and lease loss provision to assets | 0.3208% | 3,810 |
| Net operating income to assets | 0.3602% | 5,315 |
| Return on assets (ROA) | 0.3621% | 5,106 |
| Pretax return on assets | 0.5207% | 4,924 |
| Return on Equity (ROE) | 3.9630% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.9630% | 2,666 |
| Net charge-offs to loans | 0.3278% | 3,212 |
| Credit loss provision to net charge-offs | 108.0808% | 4,973 |
| Earnings coverage of net charge-offs (x) | 2.8260% | 4,664 |
| Efficiency ratio | 70.2768% | 4,294 |
| Assets per employee ($millions) | 7.9380% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 7,069 |
| Loan loss allowance to noncurrent loans | 64.9087% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 2,927 |
| Noncurrent loans to loans | 1.2456% | 4,023 |
| Net loans and leases to total assets | 89.3828% | 244 |
| Net loans and leases to deposits | 123.0710% | 321 |
| Net loans and leases to core deposits | 152.1189% | 777 |
| Total domestic deposits to total assets | 72.6270% | 6,893 |
| Equity capital to assets | 9.3379% | 4,888 |
| Core capital (leverage) ratio | 9.3767% | 4,194 |
| Tier 1 risk-based capital ratio | 12.0768% | 4,761 |
| Total risk-based capital ratio | 13.0147% | 4,923 |
| Memoranda: | ||
| Average total assets | $600,364,800 | 1,125 |
| Average earning assets | $565,823,400 | 1,091 |
| Average equity | $54,857,200 | 1,229 |
| Average total loans | $543,546,400 | 879 |