Home > Mariner's Bank > Performance and Condition Ratios
Mariner's Bank, Performance and Condition Ratios
| 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 | 3.6468% | 2,428 |
| Cost of funding earning assets | 0.3143% | 2,462 |
| Net interest margin | 3.3325% | 2,330 |
| Noninterest income to average assets | 0.2910% | 3,708 |
| Noninterest expense to average assets | 2.2492% | 2,897 |
| Loan and lease loss provision to assets | -0.2060% | 4,757 |
| Net operating income to assets | 1.4361% | 1,421 |
| Return on assets (ROA) | 1.4361% | 1,489 |
| Pretax return on assets | 1.4467% | 2,162 |
| Return on Equity (ROE) | 14.6313% | 1,215 |
| Retained earnings to average equity (ytd only) | 8.3137% | 1,951 |
| Net charge-offs to loans | 0.1829% | 471 |
| Credit loss provision to net charge-offs | -140.1709% | 3,292 |
| Earnings coverage of net charge-offs (x) | 8.4444% | 2,104 |
| Efficiency ratio | 64.4476% | 2,322 |
| Assets per employee ($millions) | 8.3717% | 1,103 |
| Cash dividends to net income (ytd only)* | 43.1788% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,429 |
| Loan loss allowance to noncurrent loans | 34.5765% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 280 |
| Noncurrent loans to loans | 2.1590% | 387 |
| Net loans and leases to total assets | 76.1701% | 539 |
| Net loans and leases to deposits | 84.7752% | 909 |
| Net loans and leases to core deposits | 88.8312% | 1,108 |
| Total domestic deposits to total assets | 89.8495% | 837 |
| Equity capital to assets | 9.9277% | 2,970 |
| Core capital (leverage) ratio | 9.8840% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9183% | 1,998 |
| Memoranda: | ||
| Average total assets | $424,669,750 | 1,928 |
| Average earning assets | $407,656,250 | 1,894 |
| Average equity | $41,681,250 | 2,055 |
| Average total loans | $341,081,750 | 1,582 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 2,480 |
| Cost of funding earning assets | 0.3421% | 2,385 |
| Net interest margin | 3.3039% | 2,421 |
| Noninterest income to average assets | 0.2584% | 3,844 |
| Noninterest expense to average assets | 2.2763% | 2,838 |
| Loan and lease loss provision to assets | 0.0261% | 2,450 |
| Net operating income to assets | 1.1256% | 2,448 |
| Return on assets (ROA) | 1.1256% | 2,517 |
| Pretax return on assets | 1.1256% | 3,126 |
| Return on Equity (ROE) | 11.5135% | 2,229 |
| Retained earnings to average equity (ytd only) | 1.9189% | 4,132 |
| Net charge-offs to loans | 0.2516% | 351 |
| Credit loss provision to net charge-offs | 12.7315% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.6134% | 1,988 |
| Efficiency ratio | 66.4034% | 2,095 |
| Assets per employee ($millions) | 7.6736% | 1,379 |
| Cash dividends to net income (ytd only)* | 83.3333% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,997 |
| Loan loss allowance to noncurrent loans | 44.9265% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.7093% | 289 |
| Noncurrent loans to loans | 2.1152% | 440 |
| Net loans and leases to total assets | 80.0421% | 317 |
| Net loans and leases to deposits | 88.8442% | 725 |
| Net loans and leases to core deposits | 93.8832% | 907 |
| Total domestic deposits to total assets | 90.0926% | 728 |
| Equity capital to assets | 9.7181% | 3,123 |
| Core capital (leverage) ratio | 9.6051% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5399% | 2,151 |
| Memoranda: | ||
| Average total assets | $421,117,333 | 1,934 |
| Average earning assets | $404,003,000 | 1,897 |
| Average equity | $41,169,000 | 2,055 |
| Average total loans | $343,414,667 | 1,580 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 2,486 |
| Cost of funding earning assets | 0.3799% | 2,262 |
| Net interest margin | 3.2741% | 2,470 |
| Noninterest income to average assets | 0.2225% | 4,048 |
| Noninterest expense to average assets | 2.1310% | 3,325 |
| Loan and lease loss provision to assets | 0.0523% | 2,059 |
| Net operating income to assets | 1.1782% | 2,242 |
| Return on assets (ROA) | 1.1782% | 2,309 |
| Pretax return on assets | 1.1782% | 2,905 |
| Return on Equity (ROE) | 12.0157% | 2,010 |
| Retained earnings to average equity (ytd only) | 12.0157% | 1,144 |
| Net charge-offs to loans | 0.3552% | 238 |
| Credit loss provision to net charge-offs | 17.9739% | 1,430 |
| Earnings coverage of net charge-offs (x) | 4.2288% | 1,738 |
| Efficiency ratio | 63.3946% | 2,546 |
| Assets per employee ($millions) | 7.9558% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,975 |
| Loan loss allowance to noncurrent loans | 54.3766% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 428 |
| Noncurrent loans to loans | 1.7772% | 658 |
| Net loans and leases to total assets | 83.4063% | 172 |
| Net loans and leases to deposits | 95.3116% | 430 |
| Net loans and leases to core deposits | 101.8712% | 635 |
| Total domestic deposits to total assets | 87.5090% | 2,082 |
| Equity capital to assets | 10.1206% | 2,590 |
| Core capital (leverage) ratio | 9.9315% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5003% | 2,086 |
| Memoranda: | ||
| Average total assets | $420,652,000 | 1,929 |
| Average earning assets | $403,287,500 | 1,892 |
| Average equity | $41,246,000 | 2,045 |
| Average total loans | $344,593,500 | 1,581 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 2,594 |
| Cost of funding earning assets | 0.7269% | 1,576 |
| Net interest margin | 3.3195% | 3,020 |
| Noninterest income to average assets | 0.2619% | 3,912 |
| Noninterest expense to average assets | 2.3179% | 3,362 |
| Loan and lease loss provision to assets | 0.1817% | 2,124 |
| Net operating income to assets | 0.9474% | 2,494 |
| Return on assets (ROA) | 0.9474% | 2,643 |
| Pretax return on assets | 0.9474% | 3,227 |
| Return on Equity (ROE) | 10.0629% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.7473% | 1,132 |
| Net charge-offs to loans | 0.0279% | 2,476 |
| Credit loss provision to net charge-offs | 773.1959% | 929 |
| Earnings coverage of net charge-offs (x) | 48.0515% | 1,235 |
| Efficiency ratio | 67.2430% | 2,332 |
| Assets per employee ($millions) | 8.2232% | 963 |
| Cash dividends to net income (ytd only)* | 23.0120% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,633 |
| Loan loss allowance to noncurrent loans | 62.5735% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 585 |
| Noncurrent loans to loans | 1.6968% | 753 |
| Net loans and leases to total assets | 78.8464% | 513 |
| Net loans and leases to deposits | 87.3233% | 1,148 |
| Net loans and leases to core deposits | 92.9469% | 1,308 |
| Total domestic deposits to total assets | 90.2924% | 451 |
| Equity capital to assets | 9.5001% | 3,611 |
| Core capital (leverage) ratio | 9.6076% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4515% | 2,068 |
| Memoranda: | ||
| Average total assets | $412,793,200 | 1,816 |
| Average earning assets | $396,085,400 | 1,781 |
| Average equity | $38,865,400 | 2,064 |
| Average total loans | $347,102,000 | 1,516 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,597 |
| Cost of funding earning assets | 0.8188% | 1,404 |
| Net interest margin | 3.3074% | 3,163 |
| Noninterest income to average assets | 0.2027% | 4,257 |
| Noninterest expense to average assets | 2.3538% | 3,274 |
| Loan and lease loss provision to assets | 0.1762% | 2,221 |
| Net operating income to assets | 0.8454% | 2,925 |
| Return on assets (ROA) | 0.8454% | 3,050 |
| Pretax return on assets | 0.8454% | 3,528 |
| Return on Equity (ROE) | 9.0006% | 2,393 |
| Retained earnings to average equity (ytd only) | 5.8778% | 2,154 |
| Net charge-offs to loans | 0.0245% | 2,348 |
| Credit loss provision to net charge-offs | 845.3125% | 940 |
| Earnings coverage of net charge-offs (x) | 48.9844% | 1,207 |
| Efficiency ratio | 69.7306% | 1,916 |
| Assets per employee ($millions) | 8.3440% | 895 |
| Cash dividends to net income (ytd only)* | 34.6955% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,773 |
| Loan loss allowance to noncurrent loans | 55.7409% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 560 |
| Noncurrent loans to loans | 1.7643% | 758 |
| Net loans and leases to total assets | 84.7638% | 221 |
| Net loans and leases to deposits | 95.0331% | 839 |
| Net loans and leases to core deposits | 101.4078% | 1,067 |
| Total domestic deposits to total assets | 89.1940% | 690 |
| Equity capital to assets | 9.6149% | 3,588 |
| Core capital (leverage) ratio | 9.6686% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1854% | 2,543 |
| Memoranda: | ||
| Average total assets | $409,090,250 | 1,811 |
| Average earning assets | $392,438,000 | 1,769 |
| Average equity | $38,426,000 | 2,076 |
| Average total loans | $348,685,250 | 1,503 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 2,726 |
| Cost of funding earning assets | 0.9469% | 1,162 |
| Net interest margin | 3.2644% | 3,477 |
| Noninterest income to average assets | 0.2102% | 4,228 |
| Noninterest expense to average assets | 2.2988% | 3,518 |
| Loan and lease loss provision to assets | 0.1691% | 2,313 |
| Net operating income to assets | 0.8764% | 2,785 |
| Return on assets (ROA) | 0.8764% | 2,901 |
| Pretax return on assets | 0.8764% | 3,384 |
| Return on Equity (ROE) | 9.4044% | 2,198 |
| Retained earnings to average equity (ytd only) | 4.6839% | 2,615 |
| Net charge-offs to loans | 0.1401% | 1,017 |
| Credit loss provision to net charge-offs | 141.8033% | 2,167 |
| Earnings coverage of net charge-offs (x) | 8.7664% | 2,267 |
| Efficiency ratio | 68.7372% | 2,133 |
| Assets per employee ($millions) | 8.6509% | 767 |
| Cash dividends to net income (ytd only)* | 50.1952% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 4,142 |
| Loan loss allowance to noncurrent loans | 45.1561% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 532 |
| Noncurrent loans to loans | 1.9137% | 718 |
| Net loans and leases to total assets | 84.7334% | 200 |
| Net loans and leases to deposits | 95.8698% | 807 |
| Net loans and leases to core deposits | 102.3111% | 1,096 |
| Total domestic deposits to total assets | 88.3839% | 998 |
| Equity capital to assets | 9.2739% | 3,861 |
| Core capital (leverage) ratio | 9.4127% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6148% | 2,765 |
| Memoranda: | ||
| Average total assets | $409,168,333 | 1,782 |
| Average earning assets | $392,842,333 | 1,744 |
| Average equity | $38,131,000 | 2,076 |
| Average total loans | $348,245,667 | 1,494 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,769 |
| Cost of funding earning assets | 1.1539% | 894 |
| Net interest margin | 3.1991% | 3,855 |
| Noninterest income to average assets | 0.2758% | 3,872 |
| Noninterest expense to average assets | 2.4800% | 3,336 |
| Loan and lease loss provision to assets | 0.1635% | 1,780 |
| Net operating income to assets | 0.7042% | 3,257 |
| Return on assets (ROA) | 0.7042% | 3,334 |
| Pretax return on assets | 0.7042% | 3,676 |
| Return on Equity (ROE) | 7.5378% | 2,721 |
| Retained earnings to average equity (ytd only) | 7.5378% | 1,367 |
| Net charge-offs to loans | 0.2343% | 610 |
| Credit loss provision to net charge-offs | 82.1782% | 1,930 |
| Earnings coverage of net charge-offs (x) | 4.3614% | 2,143 |
| Efficiency ratio | 74.0806% | 1,803 |
| Assets per employee ($millions) | 8.4992% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 4,296 |
| Loan loss allowance to noncurrent loans | 71.1613% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 1,306 |
| Noncurrent loans to loans | 1.1853% | 1,387 |
| Net loans and leases to total assets | 84.4041% | 239 |
| Net loans and leases to deposits | 96.4586% | 864 |
| Net loans and leases to core deposits | 104.1977% | 1,179 |
| Total domestic deposits to total assets | 87.5029% | 1,332 |
| Equity capital to assets | 9.3963% | 4,312 |
| Core capital (leverage) ratio | 9.3953% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7569% | 2,824 |
| Memoranda: | ||
| Average total assets | $406,132,000 | 1,746 |
| Average earning assets | $389,985,500 | 1,706 |
| Average equity | $37,942,000 | 2,072 |
| Average total loans | $344,911,000 | 1,468 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,910 |
| Cost of funding earning assets | 1.2116% | 1,004 |
| Net interest margin | 3.2982% | 3,994 |
| Noninterest income to average assets | 0.2276% | 4,304 |
| Noninterest expense to average assets | 2.4869% | 3,490 |
| Loan and lease loss provision to assets | 0.0635% | 2,767 |
| Net operating income to assets | 0.8462% | 3,398 |
| Return on assets (ROA) | 0.8462% | 3,490 |
| Pretax return on assets | 0.8462% | 3,889 |
| Return on Equity (ROE) | 9.4523% | 2,543 |
| Retained earnings to average equity (ytd only) | 7.7837% | 1,046 |
| Net charge-offs to loans | -0.0109% | 4,492 |
| Credit loss provision to net charge-offs | -689.1892% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2170% | 1,698 |
| Assets per employee ($millions) | 6.4175% | 1,340 |
| Cash dividends to net income (ytd only)* | 17.6523% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,100 |
| Loan loss allowance to noncurrent loans | 76.9331% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,329 |
| Noncurrent loans to loans | 1.1251% | 1,346 |
| Net loans and leases to total assets | 83.9945% | 319 |
| Net loans and leases to deposits | 92.8205% | 1,272 |
| Net loans and leases to core deposits | 100.3778% | 1,533 |
| Total domestic deposits to total assets | 90.4913% | 199 |
| Equity capital to assets | 9.2878% | 4,500 |
| Core capital (leverage) ratio | 9.5295% | 4,027 |
| Tier 1 risk-based capital ratio | 11.9502% | 4,390 |
| Total risk-based capital ratio | 12.9102% | 4,437 |
| Memoranda: | ||
| Average total assets | $401,669,200 | 1,737 |
| Average earning assets | $385,940,600 | 1,684 |
| Average equity | $35,959,600 | 2,098 |
| Average total loans | $338,795,400 | 1,462 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 2,832 |
| Cost of funding earning assets | 1.2137% | 1,000 |
| Net interest margin | 3.3561% | 3,972 |
| Noninterest income to average assets | 0.1829% | 4,632 |
| Noninterest expense to average assets | 2.4903% | 3,461 |
| Loan and lease loss provision to assets | 0.1207% | 1,622 |
| Net operating income to assets | 0.7970% | 3,684 |
| Return on assets (ROA) | 0.7970% | 3,757 |
| Pretax return on assets | 0.7970% | 4,122 |
| Return on Equity (ROE) | 8.9870% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.7374% | 1,989 |
| Net charge-offs to loans | 0.1227% | 1,280 |
| Credit loss provision to net charge-offs | 116.7203% | 2,002 |
| Earnings coverage of net charge-offs (x) | 8.8745% | 2,615 |
| Efficiency ratio | 73.0732% | 1,688 |
| Assets per employee ($millions) | 6.6416% | 1,195 |
| Cash dividends to net income (ytd only)* | 25.0313% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 4,384 |
| Loan loss allowance to noncurrent loans | 120.8333% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 2,278 |
| Noncurrent loans to loans | 0.6710% | 2,276 |
| Net loans and leases to total assets | 85.1001% | 245 |
| Net loans and leases to deposits | 97.5113% | 872 |
| Net loans and leases to core deposits | 106.7405% | 1,128 |
| Total domestic deposits to total assets | 87.2721% | 1,390 |
| Equity capital to assets | 9.3244% | 4,581 |
| Core capital (leverage) ratio | 9.1883% | 4,487 |
| Tier 1 risk-based capital ratio | 11.6121% | 4,619 |
| Total risk-based capital ratio | 12.4930% | 4,693 |
| Memoranda: | ||
| Average total assets | $401,010,500 | 1,749 |
| Average earning assets | $385,354,500 | 1,697 |
| Average equity | $35,561,750 | 2,128 |
| Average total loans | $337,854,750 | 1,474 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 2,948 |
| Cost of funding earning assets | 1.1831% | 1,037 |
| Net interest margin | 3.3377% | 4,056 |
| Noninterest income to average assets | 0.1851% | 4,641 |
| Noninterest expense to average assets | 2.4734% | 3,565 |
| Loan and lease loss provision to assets | 0.1945% | 895 |
| Net operating income to assets | 0.7261% | 3,912 |
| Return on assets (ROA) | 0.7261% | 3,975 |
| Pretax return on assets | 0.7261% | 4,271 |
| Return on Equity (ROE) | 8.3266% | 3,147 |
| Retained earnings to average equity (ytd only) | 4.9211% | 2,815 |
| Net charge-offs to loans | -0.0071% | 4,221 |
| Credit loss provision to net charge-offs | -3,275.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8744% | 1,796 |
| Assets per employee ($millions) | 7.5240% | 798 |
| Cash dividends to net income (ytd only)* | 40.8998% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,053 |
| Loan loss allowance to noncurrent loans | 136.2389% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 2,405 |
| Noncurrent loans to loans | 0.6666% | 2,292 |
| Net loans and leases to total assets | 79.7340% | 927 |
| Net loans and leases to deposits | 87.2910% | 2,086 |
| Net loans and leases to core deposits | 96.5568% | 2,014 |
| Total domestic deposits to total assets | 91.3427% | 72 |
| Equity capital to assets | 8.4512% | 5,061 |
| Core capital (leverage) ratio | 8.6362% | 4,888 |
| Tier 1 risk-based capital ratio | 11.6146% | 4,628 |
| Total risk-based capital ratio | 12.6339% | 4,642 |
| Memoranda: | ||
| Average total assets | $404,062,330 | 1,748 |
| Average earning assets | $388,476,330 | 1,688 |
| Average equity | $35,236,330 | 2,130 |
| Average total loans | $338,408,000 | 1,479 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 2,646 |
| Cost of funding earning assets | 1.0709% | 1,287 |
| Net interest margin | 3.4951% | 3,605 |
| Noninterest income to average assets | 0.2054% | 4,519 |
| Noninterest expense to average assets | 2.5704% | 3,295 |
| Loan and lease loss provision to assets | 0.1993% | 808 |
| Net operating income to assets | 0.7900% | 3,660 |
| Return on assets (ROA) | 0.7900% | 3,707 |
| Pretax return on assets | 0.7900% | 4,067 |
| Return on Equity (ROE) | 8.9130% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.9130% | 1,350 |
| Net charge-offs to loans | 0.0035% | 2,605 |
| Credit loss provision to net charge-offs | 6,566.6667% | 53 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 249 |
| Efficiency ratio | 72.2080% | 2,006 |
| Assets per employee ($millions) | 6.5760% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 4,404 |
| Loan loss allowance to noncurrent loans | 371.9844% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,858 |
| Noncurrent loans to loans | 0.2247% | 3,783 |
| Net loans and leases to total assets | 84.8373% | 294 |
| Net loans and leases to deposits | 97.5254% | 837 |
| Net loans and leases to core deposits | 110.4633% | 906 |
| Total domestic deposits to total assets | 86.9899% | 1,820 |
| Equity capital to assets | 8.8396% | 4,793 |
| Core capital (leverage) ratio | 9.0426% | 4,627 |
| Tier 1 risk-based capital ratio | 11.3461% | 4,809 |
| Total risk-based capital ratio | 12.2763% | 4,867 |
| Memoranda: | ||
| Average total assets | $395,420,500 | 1,784 |
| Average earning assets | $379,499,000 | 1,735 |
| Average equity | $35,050,000 | 2,140 |
| Average total loans | $338,094,500 | 1,487 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 2,841 |
| Cost of funding earning assets | 0.8869% | 1,144 |
| Net interest margin | 3.4893% | 3,741 |
| Noninterest income to average assets | 0.1966% | 4,725 |
| Noninterest expense to average assets | 2.6591% | 3,155 |
| Loan and lease loss provision to assets | 0.2065% | 911 |
| Net operating income to assets | 0.6750% | 4,221 |
| Return on assets (ROA) | 0.6750% | 4,227 |
| Pretax return on assets | 0.6789% | 4,463 |
| Return on Equity (ROE) | 7.8627% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.8627% | 1,296 |
| Net charge-offs to loans | 0.2828% | 683 |
| Credit loss provision to net charge-offs | 85.7143% | 2,775 |
| Earnings coverage of net charge-offs (x) | 3.6756% | 3,387 |
| Efficiency ratio | 75.0219% | 1,494 |
| Assets per employee ($millions) | 6.8369% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,525 |
| Loan loss allowance to noncurrent loans | 339.3401% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 3,820 |
| Noncurrent loans to loans | 0.2366% | 3,732 |
| Net loans and leases to total assets | 84.7651% | 341 |
| Net loans and leases to deposits | 95.9952% | 1,071 |
| Net loans and leases to core deposits | 112.2295% | 870 |
| Total domestic deposits to total assets | 88.3014% | 1,157 |
| Equity capital to assets | 8.8890% | 4,667 |
| Core capital (leverage) ratio | 8.8948% | 4,742 |
| Tier 1 risk-based capital ratio | 11.4402% | 4,746 |
| Total risk-based capital ratio | 12.3361% | 4,824 |
| Memoranda: | ||
| Average total assets | $386,522,000 | 1,771 |
| Average earning assets | $370,851,400 | 1,719 |
| Average equity | $33,181,800 | 2,146 |
| Average total loans | $329,241,200 | 1,483 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,939 |
| Cost of funding earning assets | 0.8645% | 1,054 |
| Net interest margin | 3.4420% | 3,885 |
| Noninterest income to average assets | 0.1918% | 4,825 |
| Noninterest expense to average assets | 2.6495% | 3,124 |
| Loan and lease loss provision to assets | 0.2019% | 863 |
| Net operating income to assets | 0.6367% | 4,407 |
| Return on assets (ROA) | 0.6367% | 4,417 |
| Pretax return on assets | 0.6419% | 4,650 |
| Return on Equity (ROE) | 7.4837% | 3,760 |
| Retained earnings to average equity (ytd only) | 7.4837% | 1,890 |
| Net charge-offs to loans | 0.1982% | 852 |
| Credit loss provision to net charge-offs | 119.6721% | 1,991 |
| Earnings coverage of net charge-offs (x) | 5.0021% | 3,000 |
| Efficiency ratio | 75.8460% | 1,371 |
| Assets per employee ($millions) | 6.5334% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,379 |
| Loan loss allowance to noncurrent loans | 202.2997% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 3,205 |
| Noncurrent loans to loans | 0.4286% | 3,119 |
| Net loans and leases to total assets | 84.6682% | 381 |
| Net loans and leases to deposits | 97.5322% | 995 |
| Net loans and leases to core deposits | 114.9596% | 764 |
| Total domestic deposits to total assets | 86.8105% | 1,817 |
| Equity capital to assets | 8.6188% | 4,856 |
| Core capital (leverage) ratio | 8.7180% | 4,945 |
| Tier 1 risk-based capital ratio | 11.1177% | 4,982 |
| Total risk-based capital ratio | 12.0809% | 5,021 |
| Memoranda: | ||
| Average total assets | $385,726,250 | 1,783 |
| Average earning assets | $369,972,750 | 1,728 |
| Average equity | $32,817,000 | 2,170 |
| Average total loans | $328,299,500 | 1,485 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 3,112 |
| Cost of funding earning assets | 0.8160% | 1,060 |
| Net interest margin | 3.3835% | 4,005 |
| Noninterest income to average assets | 0.1679% | 4,987 |
| Noninterest expense to average assets | 2.6713% | 3,104 |
| Loan and lease loss provision to assets | 0.2018% | 847 |
| Net operating income to assets | 0.5417% | 4,644 |
| Return on assets (ROA) | 0.5417% | 4,649 |
| Pretax return on assets | 0.5417% | 4,829 |
| Return on Equity (ROE) | 6.3950% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.3950% | 2,362 |
| Net charge-offs to loans | 0.3017% | 529 |
| Credit loss provision to net charge-offs | 78.6585% | 2,271 |
| Earnings coverage of net charge-offs (x) | 2.8984% | 2,935 |
| Efficiency ratio | 78.2290% | 1,182 |
| Assets per employee ($millions) | 6.9584% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 4,664 |
| Loan loss allowance to noncurrent loans | 179.7738% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 3,208 |
| Noncurrent loans to loans | 0.4495% | 3,091 |
| Net loans and leases to total assets | 85.1078% | 342 |
| Net loans and leases to deposits | 95.9029% | 1,153 |
| Net loans and leases to core deposits | 108.8001% | 1,063 |
| Total domestic deposits to total assets | 88.7438% | 1,041 |
| Equity capital to assets | 8.4675% | 4,971 |
| Core capital (leverage) ratio | 8.9146% | 4,760 |
| Tier 1 risk-based capital ratio | 10.9488% | 5,080 |
| Total risk-based capital ratio | 11.8541% | 5,129 |
| Memoranda: | ||
| Average total assets | $383,634,330 | 1,801 |
| Average earning assets | $368,144,670 | 1,743 |
| Average equity | $32,494,000 | 2,197 |
| Average total loans | $326,131,330 | 1,496 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 2,862 |
| Cost of funding earning assets | 0.8288% | 840 |
| Net interest margin | 3.3765% | 3,959 |
| Noninterest income to average assets | 0.1650% | 5,033 |
| Noninterest expense to average assets | 2.6967% | 3,055 |
| Loan and lease loss provision to assets | 0.2175% | 731 |
| Net operating income to assets | 0.4918% | 4,715 |
| Return on assets (ROA) | 0.4918% | 4,724 |
| Pretax return on assets | 0.4918% | 4,881 |
| Return on Equity (ROE) | 5.8058% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.8058% | 2,806 |
| Net charge-offs to loans | 0.3093% | 493 |
| Credit loss provision to net charge-offs | 83.1325% | 1,721 |
| Earnings coverage of net charge-offs (x) | 2.7108% | 2,439 |
| Efficiency ratio | 79.1731% | 1,241 |
| Assets per employee ($millions) | 6.7034% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,624 |
| Loan loss allowance to noncurrent loans | 209.6285% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 3,439 |
| Noncurrent loans to loans | 0.4073% | 3,328 |
| Net loans and leases to total assets | 85.5205% | 297 |
| Net loans and leases to deposits | 99.1850% | 769 |
| Net loans and leases to core deposits | 110.5297% | 968 |
| Total domestic deposits to total assets | 86.2232% | 2,438 |
| Equity capital to assets | 8.6408% | 4,868 |
| Core capital (leverage) ratio | 8.5177% | 5,132 |
| Tier 1 risk-based capital ratio | 10.9547% | 5,154 |
| Total risk-based capital ratio | 11.9001% | 5,203 |
| Memoranda: | ||
| Average total assets | $380,617,500 | 1,822 |
| Average earning assets | $365,349,000 | 1,764 |
| Average equity | $32,243,500 | 2,220 |
| Average total loans | $322,027,000 | 1,515 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 2,625 |
| Cost of funding earning assets | 0.8387% | 510 |
| Net interest margin | 3.3775% | 3,919 |
| Noninterest income to average assets | 0.2257% | 4,789 |
| Noninterest expense to average assets | 2.6645% | 3,247 |
| Loan and lease loss provision to assets | 0.1335% | 1,715 |
| Net operating income to assets | 0.6807% | 3,679 |
| Return on assets (ROA) | 0.6807% | 3,731 |
| Pretax return on assets | 0.6807% | 4,554 |
| Return on Equity (ROE) | 7.8412% | 2,867 |
| Retained earnings to average equity (ytd only) | 7.8412% | 818 |
| Net charge-offs to loans | 0.0079% | 3,803 |
| Credit loss provision to net charge-offs | 1,966.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 119.9583% | 563 |
| Efficiency ratio | 76.5935% | 1,539 |
| Assets per employee ($millions) | 6.8900% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,571 |
| Loan loss allowance to noncurrent loans | 211.1278% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,485 |
| Noncurrent loans to loans | 0.4153% | 3,283 |
| Net loans and leases to total assets | 82.2728% | 643 |
| Net loans and leases to deposits | 89.9078% | 1,785 |
| Net loans and leases to core deposits | 103.5984% | 1,438 |
| Total domestic deposits to total assets | 91.5079% | 136 |
| Equity capital to assets | 8.3065% | 5,256 |
| Core capital (leverage) ratio | 8.1717% | 5,365 |
| Tier 1 risk-based capital ratio | 10.8836% | 5,209 |
| Total risk-based capital ratio | 11.8512% | 5,233 |
| Memoranda: | ||
| Average total assets | $353,581,000 | 1,899 |
| Average earning assets | $340,545,400 | 1,839 |
| Average equity | $30,696,800 | 2,314 |
| Average total loans | $305,659,800 | 1,545 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,776 |
| Cost of funding earning assets | 0.8038% | 567 |
| Net interest margin | 3.3503% | 4,013 |
| Noninterest income to average assets | 0.2447% | 4,737 |
| Noninterest expense to average assets | 2.7336% | 2,948 |
| Loan and lease loss provision to assets | 0.1258% | 1,723 |
| Net operating income to assets | 0.6147% | 4,334 |
| Return on assets (ROA) | 0.6147% | 4,381 |
| Pretax return on assets | 0.6147% | 4,816 |
| Return on Equity (ROE) | 6.9962% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.9962% | 1,689 |
| Net charge-offs to loans | 0.0119% | 3,309 |
| Credit loss provision to net charge-offs | 1,207.4074% | 303 |
| Earnings coverage of net charge-offs (x) | 71.0722% | 883 |
| Efficiency ratio | 78.6849% | 1,249 |
| Assets per employee ($millions) | 6.6350% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,825 |
| Loan loss allowance to noncurrent loans | 203.9110% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,635 |
| Noncurrent loans to loans | 0.4046% | 3,490 |
| Net loans and leases to total assets | 86.0294% | 259 |
| Net loans and leases to deposits | 97.0121% | 1,006 |
| Net loans and leases to core deposits | 116.1742% | 744 |
| Total domestic deposits to total assets | 88.6791% | 1,023 |
| Equity capital to assets | 8.4167% | 5,334 |
| Core capital (leverage) ratio | 8.6917% | 5,069 |
| Tier 1 risk-based capital ratio | 10.1716% | 5,559 |
| Total risk-based capital ratio | 11.0511% | 5,601 |
| Memoranda: | ||
| Average total assets | $345,515,750 | 1,946 |
| Average earning assets | $333,058,500 | 1,888 |
| Average equity | $30,358,500 | 2,353 |
| Average total loans | $302,012,000 | 1,569 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,480 |
| Cost of funding earning assets | 0.7620% | 648 |
| Net interest margin | 3.4357% | 3,644 |
| Noninterest income to average assets | 0.1971% | 5,060 |
| Noninterest expense to average assets | 2.9189% | 2,368 |
| Loan and lease loss provision to assets | 0.1176% | 1,747 |
| Net operating income to assets | 0.4750% | 4,772 |
| Return on assets (ROA) | 0.4750% | 4,804 |
| Pretax return on assets | 0.4750% | 5,047 |
| Return on Equity (ROE) | 5.3238% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.3238% | 2,516 |
| Net charge-offs to loans | 0.0312% | 2,579 |
| Credit loss provision to net charge-offs | 430.4348% | 744 |
| Earnings coverage of net charge-offs (x) | 21.6957% | 1,740 |
| Efficiency ratio | 83.1248% | 911 |
| Assets per employee ($millions) | 6.8479% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 4,885 |
| Loan loss allowance to noncurrent loans | 158.8868% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 3,049 |
| Noncurrent loans to loans | 0.5183% | 3,202 |
| Net loans and leases to total assets | 86.6260% | 235 |
| Net loans and leases to deposits | 104.5557% | 465 |
| Net loans and leases to core deposits | 113.2279% | 836 |
| Total domestic deposits to total assets | 82.8515% | 3,610 |
| Equity capital to assets | 8.7289% | 5,121 |
| Core capital (leverage) ratio | 9.0356% | 4,685 |
| Tier 1 risk-based capital ratio | 10.3732% | 5,513 |
| Total risk-based capital ratio | 11.2440% | 5,587 |
| Memoranda: | ||
| Average total assets | $336,834,330 | 1,995 |
| Average earning assets | $324,942,330 | 1,935 |
| Average equity | $30,053,670 | 2,367 |
| Average total loans | $295,246,000 | 1,600 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 2,556 |
| Cost of funding earning assets | 0.7530% | 639 |
| Net interest margin | 3.3743% | 3,737 |
| Noninterest income to average assets | 0.3315% | 4,178 |
| Noninterest expense to average assets | 2.9653% | 2,262 |
| Loan and lease loss provision to assets | 0.1089% | 1,756 |
| Net operating income to assets | 0.5263% | 4,490 |
| Return on assets (ROA) | 0.5263% | 4,530 |
| Pretax return on assets | 0.5263% | 4,910 |
| Return on Equity (ROE) | 5.8315% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.8315% | 2,421 |
| Net charge-offs to loans | 0.0455% | 1,937 |
| Credit loss provision to net charge-offs | 272.7273% | 835 |
| Earnings coverage of net charge-offs (x) | 15.9091% | 1,659 |
| Efficiency ratio | 82.3589% | 1,127 |
| Assets per employee ($millions) | 5.6555% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 4,964 |
| Loan loss allowance to noncurrent loans | 189.7174% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,379 |
| Noncurrent loans to loans | 0.4411% | 3,508 |
| Net loans and leases to total assets | 87.3163% | 141 |
| Net loans and leases to deposits | 99.2973% | 661 |
| Net loans and leases to core deposits | 107.5249% | 994 |
| Total domestic deposits to total assets | 87.9342% | 1,753 |
| Equity capital to assets | 9.1644% | 4,654 |
| Core capital (leverage) ratio | 9.0860% | 4,637 |
| Tier 1 risk-based capital ratio | 11.5031% | 5,029 |
| Total risk-based capital ratio | 12.4441% | 5,103 |
| Memoranda: | ||
| Average total assets | $330,629,500 | 2,041 |
| Average earning assets | $320,307,000 | 1,964 |
| Average equity | $29,838,000 | 2,395 |
| Average total loans | $290,345,000 | 1,626 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,361 |
| Cost of funding earning assets | 0.7363% | 675 |
| Net interest margin | 3.5007% | 3,428 |
| Noninterest income to average assets | 0.1991% | 5,221 |
| Noninterest expense to average assets | 2.7922% | 3,047 |
| Loan and lease loss provision to assets | 0.0574% | 3,239 |
| Net operating income to assets | 0.7355% | 3,617 |
| Return on assets (ROA) | 0.7355% | 3,727 |
| Pretax return on assets | 0.7355% | 4,379 |
| Return on Equity (ROE) | 8.1071% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.1071% | 819 |
| Net charge-offs to loans | 0.0916% | 2,393 |
| Credit loss provision to net charge-offs | 72.0000% | 3,098 |
| Earnings coverage of net charge-offs (x) | 9.9400% | 2,704 |
| Efficiency ratio | 77.8836% | 1,709 |
| Assets per employee ($millions) | 6.1711% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 5,081 |
| Loan loss allowance to noncurrent loans | 187.1531% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 2,256 |
| Noncurrent loans to loans | 0.4321% | 3,594 |
| Net loans and leases to total assets | 86.8740% | 188 |
| Net loans and leases to deposits | 102.6938% | 486 |
| Net loans and leases to core deposits | 111.5616% | 797 |
| Total domestic deposits to total assets | 84.5952% | 3,210 |
| Equity capital to assets | 8.8870% | 4,926 |
| Core capital (leverage) ratio | 9.0880% | 4,633 |
| Tier 1 risk-based capital ratio | 11.2215% | 5,208 |
| Total risk-based capital ratio | 12.1315% | 5,294 |
| Memoranda: | ||
| Average total assets | $313,412,200 | 2,099 |
| Average earning assets | $303,140,000 | 2,023 |
| Average equity | $28,431,800 | 2,481 |
| Average total loans | $273,047,600 | 1,654 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,234 |
| Cost of funding earning assets | 0.7442% | 655 |
| Net interest margin | 3.5337% | 3,346 |
| Noninterest income to average assets | 0.1988% | 5,272 |
| Noninterest expense to average assets | 2.8412% | 2,865 |
| Loan and lease loss provision to assets | 0.0778% | 2,667 |
| Net operating income to assets | 0.6972% | 3,866 |
| Return on assets (ROA) | 0.6972% | 3,995 |
| Pretax return on assets | 0.6972% | 4,613 |
| Return on Equity (ROE) | 7.6436% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.6436% | 1,341 |
| Net charge-offs to loans | 0.0144% | 3,450 |
| Credit loss provision to net charge-offs | 620.6897% | 601 |
| Earnings coverage of net charge-offs (x) | 61.8208% | 934 |
| Efficiency ratio | 78.5680% | 1,605 |
| Assets per employee ($millions) | 5.7537% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,663 |
| Loan loss allowance to noncurrent loans | 160.6098% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 2,219 |
| Noncurrent loans to loans | 0.5917% | 3,234 |
| Net loans and leases to total assets | 86.5877% | 212 |
| Net loans and leases to deposits | 96.9764% | 954 |
| Net loans and leases to core deposits | 104.4489% | 1,309 |
| Total domestic deposits to total assets | 89.2874% | 760 |
| Equity capital to assets | 9.3521% | 4,817 |
| Core capital (leverage) ratio | 9.2498% | 4,530 |
| Tier 1 risk-based capital ratio | 11.8134% | 4,909 |
| Total risk-based capital ratio | 12.8848% | 4,926 |
| Memoranda: | ||
| Average total assets | $308,455,250 | 2,123 |
| Average earning assets | $298,297,500 | 2,053 |
| Average equity | $28,136,000 | 2,522 |
| Average total loans | $268,344,750 | 1,684 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 2,248 |
| Cost of funding earning assets | 0.7473% | 643 |
| Net interest margin | 3.5236% | 3,398 |
| Noninterest income to average assets | 0.1924% | 5,346 |
| Noninterest expense to average assets | 2.8384% | 2,884 |
| Loan and lease loss provision to assets | 0.1170% | 1,939 |
| Net operating income to assets | 0.6448% | 4,068 |
| Return on assets (ROA) | 0.6448% | 4,210 |
| Pretax return on assets | 0.6448% | 4,775 |
| Return on Equity (ROE) | 7.1293% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.1293% | 1,540 |
| Net charge-offs to loans | 0.0112% | 3,326 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 78.1333% | 715 |
| Efficiency ratio | 78.8409% | 1,667 |
| Assets per employee ($millions) | 5.9893% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,817 |
| Loan loss allowance to noncurrent loans | 128.6564% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 2,034 |
| Noncurrent loans to loans | 0.7274% | 2,915 |
| Net loans and leases to total assets | 86.5342% | 213 |
| Net loans and leases to deposits | 100.5885% | 647 |
| Net loans and leases to core deposits | 108.0785% | 1,037 |
| Total domestic deposits to total assets | 86.0279% | 2,409 |
| Equity capital to assets | 8.9587% | 5,271 |
| Core capital (leverage) ratio | 9.0184% | 4,807 |
| Tier 1 risk-based capital ratio | 11.4554% | 5,188 |
| Total risk-based capital ratio | 12.5230% | 5,191 |
| Memoranda: | ||
| Average total assets | $307,706,670 | 2,134 |
| Average earning assets | $297,590,330 | 2,069 |
| Average equity | $27,829,000 | 2,546 |
| Average total loans | $267,256,330 | 1,680 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,483 |
| Cost of funding earning assets | 0.7641% | 593 |
| Net interest margin | 3.4335% | 3,746 |
| Noninterest income to average assets | 0.2127% | 5,213 |
| Noninterest expense to average assets | 2.9045% | 2,692 |
| Loan and lease loss provision to assets | 0.1189% | 1,774 |
| Net operating income to assets | 0.5072% | 4,600 |
| Return on assets (ROA) | 0.5072% | 4,704 |
| Pretax return on assets | 0.5072% | 5,067 |
| Return on Equity (ROE) | 5.5805% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.5805% | 2,596 |
| Net charge-offs to loans | -0.0122% | 4,616 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2671% | 1,351 |
| Assets per employee ($millions) | 5.8109% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,834 |
| Loan loss allowance to noncurrent loans | 98.4424% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 1,684 |
| Noncurrent loans to loans | 0.9671% | 2,443 |
| Net loans and leases to total assets | 87.0394% | 164 |
| Net loans and leases to deposits | 97.1226% | 830 |
| Net loans and leases to core deposits | 105.5168% | 1,106 |
| Total domestic deposits to total assets | 89.6181% | 770 |
| Equity capital to assets | 9.1866% | 4,999 |
| Core capital (leverage) ratio | 9.1389% | 4,679 |
| Tier 1 risk-based capital ratio | 11.9666% | 4,933 |
| Total risk-based capital ratio | 13.0776% | 4,934 |
| Memoranda: | ||
| Average total assets | $302,843,500 | 2,167 |
| Average earning assets | $292,648,000 | 2,105 |
| Average equity | $27,524,500 | 2,561 |
| Average total loans | $262,243,000 | 1,712 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 2,091 |
| Cost of funding earning assets | 0.7040% | 803 |
| Net interest margin | 3.6354% | 2,995 |
| Noninterest income to average assets | 0.1621% | 5,613 |
| Noninterest expense to average assets | 3.0050% | 2,527 |
| Loan and lease loss provision to assets | 0.1048% | 2,237 |
| Net operating income to assets | 0.5508% | 4,493 |
| Return on assets (ROA) | 0.6641% | 4,067 |
| Pretax return on assets | 0.6652% | 4,632 |
| Return on Equity (ROE) | 7.0079% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.0079% | 1,278 |
| Net charge-offs to loans | 0.0948% | 2,478 |
| Credit loss provision to net charge-offs | 126.1803% | 2,063 |
| Earnings coverage of net charge-offs (x) | 7.9099% | 3,025 |
| Efficiency ratio | 82.0668% | 1,405 |
| Assets per employee ($millions) | 5.5185% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,925 |
| Loan loss allowance to noncurrent loans | 113.3924% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 1,705 |
| Noncurrent loans to loans | 0.8276% | 2,724 |
| Net loans and leases to total assets | 84.5162% | 344 |
| Net loans and leases to deposits | 94.1113% | 1,193 |
| Net loans and leases to core deposits | 101.9263% | 1,371 |
| Total domestic deposits to total assets | 89.8046% | 713 |
| Equity capital to assets | 8.9912% | 5,133 |
| Core capital (leverage) ratio | 8.9546% | 4,934 |
| Tier 1 risk-based capital ratio | 12.0554% | 4,913 |
| Total risk-based capital ratio | 13.1520% | 4,920 |
| Memoranda: | ||
| Average total assets | $280,665,000 | 2,267 |
| Average earning assets | $270,175,400 | 2,198 |
| Average equity | $26,598,600 | 2,584 |
| Average total loans | $245,869,400 | 1,752 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 2,002 |
| Cost of funding earning assets | 0.6874% | 897 |
| Net interest margin | 3.6849% | 2,828 |
| Noninterest income to average assets | 0.1595% | 5,690 |
| Noninterest expense to average assets | 2.9590% | 2,642 |
| Loan and lease loss provision to assets | 0.0873% | 2,407 |
| Net operating income to assets | 0.6551% | 4,102 |
| Return on assets (ROA) | 0.8093% | 3,486 |
| Pretax return on assets | 0.8108% | 4,305 |
| Return on Equity (ROE) | 8.4209% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.4209% | 1,082 |
| Net charge-offs to loans | 0.1182% | 1,937 |
| Credit loss provision to net charge-offs | 83.7209% | 2,553 |
| Earnings coverage of net charge-offs (x) | 7.1349% | 2,950 |
| Efficiency ratio | 79.9109% | 1,669 |
| Assets per employee ($millions) | 5.9972% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 5,192 |
| Loan loss allowance to noncurrent loans | 84.7802% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3340% | 1,753 |
| Noncurrent loans to loans | 1.0665% | 2,351 |
| Net loans and leases to total assets | 85.3067% | 270 |
| Net loans and leases to deposits | 98.7283% | 748 |
| Net loans and leases to core deposits | 105.8556% | 1,108 |
| Total domestic deposits to total assets | 86.4056% | 2,325 |
| Equity capital to assets | 9.0473% | 5,267 |
| Core capital (leverage) ratio | 9.3634% | 4,495 |
| Tier 1 risk-based capital ratio | 12.0259% | 5,070 |
| Total risk-based capital ratio | 13.0811% | 5,105 |
| Memoranda: | ||
| Average total assets | $274,951,750 | 2,323 |
| Average earning assets | $264,384,500 | 2,255 |
| Average equity | $26,425,750 | 2,620 |
| Average total loans | $242,598,750 | 1,785 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 1,821 |
| Cost of funding earning assets | 0.6768% | 955 |
| Net interest margin | 3.7331% | 2,566 |
| Noninterest income to average assets | 0.1605% | 5,744 |
| Noninterest expense to average assets | 2.9717% | 2,647 |
| Loan and lease loss provision to assets | 0.1350% | 1,624 |
| Net operating income to assets | 0.6465% | 4,134 |
| Return on assets (ROA) | 0.8851% | 3,079 |
| Pretax return on assets | 0.8873% | 4,000 |
| Return on Equity (ROE) | 9.0106% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.0106% | 922 |
| Net charge-offs to loans | 0.1238% | 1,771 |
| Credit loss provision to net charge-offs | 122.4490% | 1,772 |
| Earnings coverage of net charge-offs (x) | 7.1088% | 2,707 |
| Efficiency ratio | 79.1292% | 1,893 |
| Assets per employee ($millions) | 4.9897% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 5,137 |
| Loan loss allowance to noncurrent loans | 77.3591% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 1,707 |
| Noncurrent loans to loans | 1.2168% | 2,218 |
| Net loans and leases to total assets | 92.1081% | 28 |
| Net loans and leases to deposits | 107.4093% | 323 |
| Net loans and leases to core deposits | 115.0367% | 625 |
| Total domestic deposits to total assets | 85.7544% | 2,820 |
| Equity capital to assets | 9.6977% | 4,400 |
| Core capital (leverage) ratio | 9.7919% | 3,871 |
| Tier 1 risk-based capital ratio | 11.9546% | 5,181 |
| Total risk-based capital ratio | 13.0534% | 5,184 |
| Memoranda: | ||
| Average total assets | $266,649,670 | 2,402 |
| Average earning assets | $256,782,670 | 2,317 |
| Average equity | $26,191,330 | 2,643 |
| Average total loans | $237,420,670 | 1,825 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,594 |
| Cost of funding earning assets | 0.6596% | 1,053 |
| Net interest margin | 3.7960% | 2,245 |
| Noninterest income to average assets | 0.1446% | 5,878 |
| Noninterest expense to average assets | 3.0994% | 2,270 |
| Loan and lease loss provision to assets | 0.1370% | 1,505 |
| Net operating income to assets | 0.5572% | 4,454 |
| Return on assets (ROA) | 0.5572% | 4,566 |
| Pretax return on assets | 0.5617% | 5,020 |
| Return on Equity (ROE) | 5.6351% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.6351% | 2,690 |
| Net charge-offs to loans | -0.0350% | 5,337 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6032% | 1,672 |
| Assets per employee ($millions) | 5.2841% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 4,644 |
| Loan loss allowance to noncurrent loans | 186.3910% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 2,983 |
| Noncurrent loans to loans | 0.5756% | 3,857 |
| Net loans and leases to total assets | 86.5098% | 161 |
| Net loans and leases to deposits | 100.8036% | 521 |
| Net loans and leases to core deposits | 108.5819% | 801 |
| Total domestic deposits to total assets | 85.8202% | 3,030 |
| Equity capital to assets | 9.9025% | 4,267 |
| Core capital (leverage) ratio | 9.6331% | 4,106 |
| Tier 1 risk-based capital ratio | 11.9189% | 5,293 |
| Total risk-based capital ratio | 13.0849% | 5,239 |
| Memoranda: | ||
| Average total assets | $262,757,000 | 2,447 |
| Average earning assets | $252,895,500 | 2,366 |
| Average equity | $25,980,000 | 2,675 |
| Average total loans | $228,541,500 | 1,888 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,786 |
| Cost of funding earning assets | 0.6659% | 1,292 |
| Net interest margin | 3.8558% | 2,409 |
| Noninterest income to average assets | 0.2391% | 5,418 |
| Noninterest expense to average assets | 3.1510% | 2,358 |
| Loan and lease loss provision to assets | 0.1243% | 2,107 |
| Net operating income to assets | 0.6191% | 4,282 |
| Return on assets (ROA) | 0.7126% | 3,934 |
| Pretax return on assets | 0.7126% | 4,574 |
| Return on Equity (ROE) | 7.3380% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.3380% | 1,256 |
| Net charge-offs to loans | 0.4771% | 875 |
| Credit loss provision to net charge-offs | 31.9149% | 3,810 |
| Earnings coverage of net charge-offs (x) | 1.9088% | 4,309 |
| Efficiency ratio | 80.9119% | 1,782 |
| Assets per employee ($millions) | 5.0251% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,819 |
| Loan loss allowance to noncurrent loans | 207.9895% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 3,129 |
| Noncurrent loans to loans | 0.5039% | 4,155 |
| Net loans and leases to total assets | 85.5966% | 235 |
| Net loans and leases to deposits | 102.4712% | 493 |
| Net loans and leases to core deposits | 111.3085% | 720 |
| Total domestic deposits to total assets | 83.5324% | 3,907 |
| Equity capital to assets | 9.8723% | 4,269 |
| Core capital (leverage) ratio | 8.7798% | 5,259 |
| Tier 1 risk-based capital ratio | 11.9649% | 5,385 |
| Total risk-based capital ratio | 13.1007% | 5,367 |
| Memoranda: | ||
| Average total assets | $253,444,600 | 2,494 |
| Average earning assets | $240,259,200 | 2,428 |
| Average equity | $24,611,600 | 2,705 |
| Average total loans | $206,855,400 | 1,995 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 1,961 |
| Cost of funding earning assets | 0.6695% | 1,320 |
| Net interest margin | 3.8072% | 2,597 |
| Noninterest income to average assets | 0.3149% | 4,921 |
| Noninterest expense to average assets | 3.1329% | 2,371 |
| Loan and lease loss provision to assets | 0.0080% | 4,260 |
| Net operating income to assets | 0.7709% | 3,560 |
| Return on assets (ROA) | 0.8965% | 3,019 |
| Pretax return on assets | 0.8965% | 4,003 |
| Return on Equity (ROE) | 9.2724% | 2,555 |
| Retained earnings to average equity (ytd only) | 9.2724% | 906 |
| Net charge-offs to loans | 0.6427% | 557 |
| Credit loss provision to net charge-offs | 1.5400% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.5082% | 4,143 |
| Efficiency ratio | 80.0895% | 1,903 |
| Assets per employee ($millions) | 5.6011% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 5,453 |
| Loan loss allowance to noncurrent loans | 160.2771% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 2,597 |
| Noncurrent loans to loans | 0.5889% | 4,160 |
| Net loans and leases to total assets | 82.9958% | 410 |
| Net loans and leases to deposits | 96.9128% | 803 |
| Net loans and leases to core deposits | 104.4982% | 1,072 |
| Total domestic deposits to total assets | 85.6396% | 3,048 |
| Equity capital to assets | 9.6862% | 4,564 |
| Core capital (leverage) ratio | 9.9502% | 3,740 |
| Tier 1 risk-based capital ratio | 12.0561% | 5,450 |
| Total risk-based capital ratio | 13.0695% | 5,519 |
| Memoranda: | ||
| Average total assets | $251,479,000 | 2,526 |
| Average earning assets | $237,579,750 | 2,464 |
| Average equity | $24,315,250 | 2,732 |
| Average total loans | $202,059,500 | 2,037 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,769 |
| Cost of funding earning assets | 0.6870% | 1,256 |
| Net interest margin | 3.8334% | 2,439 |
| Noninterest income to average assets | 0.2553% | 5,368 |
| Noninterest expense to average assets | 3.1646% | 2,296 |
| Loan and lease loss provision to assets | 0.1616% | 1,535 |
| Net operating income to assets | 0.5534% | 4,582 |
| Return on assets (ROA) | 0.7449% | 3,698 |
| Pretax return on assets | 0.7449% | 4,480 |
| Return on Equity (ROE) | 7.7088% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.7088% | 1,429 |
| Net charge-offs to loans | 0.8760% | 417 |
| Credit loss provision to net charge-offs | 23.3100% | 3,147 |
| Earnings coverage of net charge-offs (x) | 1.0315% | 3,899 |
| Efficiency ratio | 81.5702% | 1,799 |
| Assets per employee ($millions) | 4.8211% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,522 |
| Loan loss allowance to noncurrent loans | 160.7962% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 2,189 |
| Noncurrent loans to loans | 0.7330% | 3,865 |
| Net loans and leases to total assets | 82.8807% | 384 |
| Net loans and leases to deposits | 94.9076% | 890 |
| Net loans and leases to core deposits | 102.3672% | 1,111 |
| Total domestic deposits to total assets | 87.3278% | 2,285 |
| Equity capital to assets | 10.2462% | 3,762 |
| Core capital (leverage) ratio | 10.0145% | 3,587 |
| Tier 1 risk-based capital ratio | 12.7423% | 5,068 |
| Total risk-based capital ratio | 13.9593% | 5,027 |
| Memoranda: | ||
| Average total assets | $247,554,670 | 2,565 |
| Average earning assets | $234,048,000 | 2,501 |
| Average equity | $23,920,670 | 2,759 |
| Average total loans | $195,889,330 | 2,082 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,217 |
| Cost of funding earning assets | 0.7050% | 1,216 |
| Net interest margin | 3.6756% | 2,963 |
| Noninterest income to average assets | 0.2536% | 5,339 |
| Noninterest expense to average assets | 3.4210% | 1,645 |
| Loan and lease loss provision to assets | 0.3987% | 421 |
| Net operating income to assets | -0.1069% | 6,289 |
| Return on assets (ROA) | 0.2711% | 5,637 |
| Pretax return on assets | 0.2711% | 5,780 |
| Return on Equity (ROE) | 2.8897% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.8897% | 4,364 |
| Net charge-offs to loans | 0.7637% | 456 |
| Credit loss provision to net charge-offs | 67.9348% | 2,026 |
| Earnings coverage of net charge-offs (x) | 0.4973% | 3,334 |
| Efficiency ratio | 92.1392% | 873 |
| Assets per employee ($millions) | 5.3653% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 3,268 |
| Loan loss allowance to noncurrent loans | 145.6403% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 1.9967% | 1,716 |
| Noncurrent loans to loans | 1.0116% | 3,397 |
| Net loans and leases to total assets | 77.5164% | 815 |
| Net loans and leases to deposits | 86.9167% | 1,476 |
| Net loans and leases to core deposits | 93.6205% | 1,583 |
| Total domestic deposits to total assets | 89.1847% | 1,543 |
| Equity capital to assets | 9.3869% | 4,650 |
| Core capital (leverage) ratio | 9.3683% | 4,481 |
| Tier 1 risk-based capital ratio | 12.4014% | 5,364 |
| Total risk-based capital ratio | 13.6253% | 5,329 |
| Memoranda: | ||
| Average total assets | $250,804,000 | 2,547 |
| Average earning assets | $236,040,500 | 2,489 |
| Average equity | $23,531,500 | 2,791 |
| Average total loans | $192,748,000 | 2,115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,155 |
| Cost of funding earning assets | 0.7621% | 1,427 |
| Net interest margin | 3.7520% | 2,840 |
| Noninterest income to average assets | 0.2658% | 5,444 |
| Noninterest expense to average assets | 3.9126% | 973 |
| Loan and lease loss provision to assets | 0.2023% | 1,841 |
| Net operating income to assets | -0.2967% | 6,413 |
| Return on assets (ROA) | -0.2553% | 6,411 |
| Pretax return on assets | -0.2553% | 6,392 |
| Return on Equity (ROE) | -2.7998% | 6,420 |
| Retained earnings to average equity (ytd only) | -2.7998% | 6,252 |
| Net charge-offs to loans | 1.3734% | 358 |
| Credit loss provision to net charge-offs | 19.2350% | 4,459 |
| Earnings coverage of net charge-offs (x) | -0.0897% | 5,113 |
| Efficiency ratio | 102.4724% | 411 |
| Assets per employee ($millions) | 4.7064% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 2,663 |
| Loan loss allowance to noncurrent loans | 96.4784% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.7710% | 1,190 |
| Noncurrent loans to loans | 1.6847% | 2,384 |
| Net loans and leases to total assets | 73.7895% | 1,380 |
| Net loans and leases to deposits | 81.8331% | 2,199 |
| Net loans and leases to core deposits | 88.0299% | 2,243 |
| Total domestic deposits to total assets | 90.1707% | 988 |
| Equity capital to assets | 9.3779% | 4,572 |
| Core capital (leverage) ratio | 9.3512% | 4,474 |
| Tier 1 risk-based capital ratio | 12.4356% | 5,325 |
| Total risk-based capital ratio | 13.6626% | 5,284 |
| Memoranda: | ||
| Average total assets | $258,473,200 | 2,445 |
| Average earning assets | $244,721,200 | 2,378 |
| Average equity | $23,573,000 | 2,763 |
| Average total loans | $197,971,600 | 2,020 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,190 |
| Cost of funding earning assets | 0.7578% | 1,551 |
| Net interest margin | 3.7526% | 2,834 |
| Noninterest income to average assets | 0.0731% | 6,567 |
| Noninterest expense to average assets | 3.7161% | 1,222 |
| Loan and lease loss provision to assets | 0.6193% | 383 |
| Net operating income to assets | -0.7067% | 6,651 |
| Return on assets (ROA) | -0.6520% | 6,650 |
| Pretax return on assets | -0.6520% | 6,634 |
| Return on Equity (ROE) | -7.1977% | 6,651 |
| Retained earnings to average equity (ytd only) | -7.1977% | 6,577 |
| Net charge-offs to loans | 1.9134% | 209 |
| Credit loss provision to net charge-offs | 42.0486% | 3,666 |
| Earnings coverage of net charge-offs (x) | -0.0594% | 4,874 |
| Efficiency ratio | 102.4098% | 393 |
| Assets per employee ($millions) | 5.2399% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 2,231 |
| Loan loss allowance to noncurrent loans | 90.9972% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 3.1189% | 1,169 |
| Noncurrent loans to loans | 2.0022% | 2,245 |
| Net loans and leases to total assets | 74.8815% | 1,145 |
| Net loans and leases to deposits | 82.6471% | 2,051 |
| Net loans and leases to core deposits | 88.7243% | 2,111 |
| Total domestic deposits to total assets | 90.6039% | 702 |
| Equity capital to assets | 8.9330% | 5,262 |
| Core capital (leverage) ratio | 9.0255% | 5,089 |
| Tier 1 risk-based capital ratio | 11.7894% | 5,909 |
| Total risk-based capital ratio | 13.0470% | 5,858 |
| Memoranda: | ||
| Average total assets | $260,732,000 | 2,449 |
| Average earning assets | $247,040,500 | 2,370 |
| Average equity | $23,618,250 | 2,792 |
| Average total loans | $200,689,500 | 2,001 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 2,014 |
| Cost of funding earning assets | 0.7861% | 1,490 |
| Net interest margin | 3.7695% | 2,677 |
| Noninterest income to average assets | 0.0305% | 6,726 |
| Noninterest expense to average assets | 3.7206% | 1,218 |
| Loan and lease loss provision to assets | 0.5190% | 511 |
| Net operating income to assets | -0.6334% | 6,675 |
| Return on assets (ROA) | -0.5671% | 6,670 |
| Pretax return on assets | -0.5671% | 6,655 |
| Return on Equity (ROE) | -6.2317% | 6,665 |
| Retained earnings to average equity (ytd only) | -6.2317% | 6,528 |
| Net charge-offs to loans | 2.1798% | 189 |
| Credit loss provision to net charge-offs | 30.8390% | 3,578 |
| Earnings coverage of net charge-offs (x) | -0.0680% | 4,572 |
| Efficiency ratio | 103.1746% | 394 |
| Assets per employee ($millions) | 4.6075% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 2,216 |
| Loan loss allowance to noncurrent loans | 73.9295% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.9119% | 904 |
| Noncurrent loans to loans | 2.5202% | 1,836 |
| Net loans and leases to total assets | 78.5832% | 686 |
| Net loans and leases to deposits | 87.1930% | 1,440 |
| Net loans and leases to core deposits | 94.5011% | 1,479 |
| Total domestic deposits to total assets | 90.1256% | 960 |
| Equity capital to assets | 9.4327% | 4,672 |
| Core capital (leverage) ratio | 9.2240% | 4,662 |
| Tier 1 risk-based capital ratio | 12.0002% | 5,791 |
| Total risk-based capital ratio | 13.2558% | 5,737 |
| Memoranda: | ||
| Average total assets | $262,057,670 | 2,439 |
| Average earning assets | $248,575,330 | 2,361 |
| Average equity | $23,845,670 | 2,788 |
| Average total loans | $202,309,330 | 1,994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 2,772 |
| Cost of funding earning assets | 0.7971% | 1,544 |
| Net interest margin | 3.5308% | 3,565 |
| Noninterest income to average assets | -0.0834% | 6,914 |
| Noninterest expense to average assets | 3.3214% | 2,033 |
| Loan and lease loss provision to assets | 0.6684% | 358 |
| Net operating income to assets | -0.7101% | 6,739 |
| Return on assets (ROA) | -0.7101% | 6,752 |
| Pretax return on assets | -0.7101% | 6,735 |
| Return on Equity (ROE) | -7.9388% | 6,764 |
| Retained earnings to average equity (ytd only) | -7.9388% | 6,520 |
| Net charge-offs to loans | 1.2303% | 470 |
| Credit loss provision to net charge-offs | 71.6108% | 2,269 |
| Earnings coverage of net charge-offs (x) | -0.0447% | 3,836 |
| Efficiency ratio | 101.2710% | 502 |
| Assets per employee ($millions) | 4.9655% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 1,176 |
| Loan loss allowance to noncurrent loans | 60.4710% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 4.1706% | 930 |
| Noncurrent loans to loans | 4.0541% | 1,107 |
| Net loans and leases to total assets | 76.4892% | 780 |
| Net loans and leases to deposits | 84.4283% | 1,542 |
| Net loans and leases to core deposits | 92.5892% | 1,449 |
| Total domestic deposits to total assets | 90.5967% | 716 |
| Equity capital to assets | 9.0374% | 5,438 |
| Core capital (leverage) ratio | 8.9749% | 4,931 |
| Tier 1 risk-based capital ratio | 12.0589% | 5,880 |
| Total risk-based capital ratio | 13.3260% | 5,822 |
| Memoranda: | ||
| Average total assets | $268,684,000 | 2,404 |
| Average earning assets | $255,921,500 | 2,322 |
| Average equity | $24,034,000 | 2,803 |
| Average total loans | $203,848,500 | 1,997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8110% | 2,148 |
| Cost of funding earning assets | 0.9580% | 1,596 |
| Net interest margin | 3.8529% | 3,010 |
| Noninterest income to average assets | -0.2632% | 6,980 |
| Noninterest expense to average assets | 3.3459% | 2,199 |
| Loan and lease loss provision to assets | 0.4982% | 1,202 |
| Net operating income to assets | -0.5260% | 6,584 |
| Return on assets (ROA) | -0.5260% | 6,616 |
| Pretax return on assets | -0.5260% | 6,585 |
| Return on Equity (ROE) | -5.8698% | 6,624 |
| Retained earnings to average equity (ytd only) | -5.8698% | 6,476 |
| Net charge-offs to loans | 0.2841% | 3,240 |
| Credit loss provision to net charge-offs | 244.5596% | 1,008 |
| Earnings coverage of net charge-offs (x) | -0.1364% | 5,550 |
| Efficiency ratio | 100.8377% | 530 |
| Assets per employee ($millions) | 5.1735% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6011% | 1,016 |
| Loan loss allowance to noncurrent loans | 65.0882% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 3.9512% | 1,090 |
| Noncurrent loans to loans | 3.9962% | 1,177 |
| Net loans and leases to total assets | 71.5192% | 1,564 |
| Net loans and leases to deposits | 78.7030% | 2,438 |
| Net loans and leases to core deposits | 89.7356% | 1,867 |
| Total domestic deposits to total assets | 90.8722% | 540 |
| Equity capital to assets | 8.8565% | 5,679 |
| Core capital (leverage) ratio | 8.6457% | 5,402 |
| Tier 1 risk-based capital ratio | 12.8238% | 5,237 |
| Total risk-based capital ratio | 14.0626% | 5,179 |
| Memoranda: | ||
| Average total assets | $284,231,000 | 2,240 |
| Average earning assets | $264,188,600 | 2,201 |
| Average equity | $25,469,400 | 2,612 |
| Average total loans | $203,801,200 | 1,976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 2,231 |
| Cost of funding earning assets | 0.9662% | 1,755 |
| Net interest margin | 3.8754% | 3,007 |
| Noninterest income to average assets | 0.2334% | 5,880 |
| Noninterest expense to average assets | 3.7534% | 1,284 |
| Loan and lease loss provision to assets | -0.0019% | 6,938 |
| Net operating income to assets | 0.0646% | 6,186 |
| Return on assets (ROA) | 0.0646% | 6,326 |
| Pretax return on assets | 0.0646% | 6,317 |
| Return on Equity (ROE) | 0.7193% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.7193% | 5,867 |
| Net charge-offs to loans | 0.3111% | 2,886 |
| Credit loss provision to net charge-offs | -0.8386% | 6,078 |
| Earnings coverage of net charge-offs (x) | 0.2830% | 5,186 |
| Efficiency ratio | 98.3551% | 593 |
| Assets per employee ($millions) | 5.1136% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 2,376 |
| Loan loss allowance to noncurrent loans | 48.4965% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 4.3080% | 1,087 |
| Noncurrent loans to loans | 3.9885% | 1,285 |
| Net loans and leases to total assets | 66.9901% | 2,464 |
| Net loans and leases to deposits | 73.6403% | 3,353 |
| Net loans and leases to core deposits | 83.9712% | 2,703 |
| Total domestic deposits to total assets | 90.9694% | 419 |
| Equity capital to assets | 8.7737% | 6,040 |
| Core capital (leverage) ratio | 8.7773% | 5,377 |
| Tier 1 risk-based capital ratio | 13.8103% | 4,686 |
| Total risk-based capital ratio | 15.0707% | 4,635 |
| Memoranda: | ||
| Average total assets | $286,740,000 | 2,254 |
| Average earning assets | $265,085,000 | 2,224 |
| Average equity | $25,765,750 | 2,612 |
| Average total loans | $204,416,750 | 1,989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 1,675 |
| Cost of funding earning assets | 0.9665% | 1,955 |
| Net interest margin | 4.0786% | 2,176 |
| Noninterest income to average assets | 0.2293% | 5,930 |
| Noninterest expense to average assets | 4.0888% | 848 |
| Loan and lease loss provision to assets | 0.5616% | 1,088 |
| Net operating income to assets | -0.6336% | 6,790 |
| Return on assets (ROA) | -0.6336% | 6,818 |
| Pretax return on assets | -0.6336% | 6,790 |
| Return on Equity (ROE) | -6.9937% | 6,830 |
| Retained earnings to average equity (ytd only) | -6.9937% | 6,719 |
| Net charge-offs to loans | -0.0302% | 6,526 |
| Credit loss provision to net charge-offs | -2,567.7419% | 6,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7917% | 504 |
| Assets per employee ($millions) | 5.0004% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4829% | 1,306 |
| Loan loss allowance to noncurrent loans | 53.4896% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 6.1286% | 689 |
| Noncurrent loans to loans | 4.6418% | 1,120 |
| Net loans and leases to total assets | 72.0270% | 1,549 |
| Net loans and leases to deposits | 79.1502% | 2,502 |
| Net loans and leases to core deposits | 90.9053% | 1,883 |
| Total domestic deposits to total assets | 91.0004% | 447 |
| Equity capital to assets | 8.7441% | 5,977 |
| Core capital (leverage) ratio | 8.9353% | 5,004 |
| Tier 1 risk-based capital ratio | 12.4315% | 5,622 |
| Total risk-based capital ratio | 13.6983% | 5,582 |
| Memoranda: | ||
| Average total assets | $283,456,670 | 2,275 |
| Average earning assets | $263,227,670 | 2,237 |
| Average equity | $25,680,330 | 2,607 |
| Average total loans | $205,020,670 | 1,982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 1,678 |
| Cost of funding earning assets | 0.9935% | 2,021 |
| Net interest margin | 4.0715% | 2,211 |
| Noninterest income to average assets | 0.2108% | 6,114 |
| Noninterest expense to average assets | 3.7726% | 1,248 |
| Loan and lease loss provision to assets | -0.6368% | 7,267 |
| Net operating income to assets | 0.8561% | 3,127 |
| Return on assets (ROA) | 0.8561% | 3,362 |
| Pretax return on assets | 0.8561% | 4,206 |
| Return on Equity (ROE) | 9.2866% | 2,691 |
| Retained earnings to average equity (ytd only) | 9.2866% | 1,486 |
| Net charge-offs to loans | -0.2867% | 7,054 |
| Credit loss provision to net charge-offs | 310.3448% | 957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5055% | 794 |
| Assets per employee ($millions) | 5.0979% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0727% | 2,165 |
| Loan loss allowance to noncurrent loans | 52.4664% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 6.0195% | 781 |
| Noncurrent loans to loans | 3.9505% | 1,559 |
| Net loans and leases to total assets | 71.6069% | 1,469 |
| Net loans and leases to deposits | 79.6602% | 2,250 |
| Net loans and leases to core deposits | 91.9042% | 1,659 |
| Total domestic deposits to total assets | 89.8904% | 1,143 |
| Equity capital to assets | 9.7595% | 4,441 |
| Core capital (leverage) ratio | 9.3314% | 4,315 |
| Tier 1 risk-based capital ratio | 13.5165% | 4,814 |
| Total risk-based capital ratio | 14.7774% | 4,796 |
| Memoranda: | ||
| Average total assets | $282,672,500 | 2,298 |
| Average earning assets | $262,509,000 | 2,257 |
| Average equity | $26,059,000 | 2,569 |
| Average total loans | $202,270,000 | 2,015 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 1,468 |
| Cost of funding earning assets | 1.1645% | 2,254 |
| Net interest margin | 4.2148% | 2,008 |
| Noninterest income to average assets | 0.1857% | 6,168 |
| Noninterest expense to average assets | 3.3261% | 2,436 |
| Loan and lease loss provision to assets | 0.9950% | 950 |
| Net operating income to assets | -0.1688% | 6,224 |
| Return on assets (ROA) | -0.1405% | 6,269 |
| Pretax return on assets | -0.1398% | 6,236 |
| Return on Equity (ROE) | -1.5492% | 6,300 |
| Retained earnings to average equity (ytd only) | -1.5492% | 6,097 |
| Net charge-offs to loans | 1.4668% | 1,098 |
| Credit loss provision to net charge-offs | 86.7068% | 4,170 |
| Earnings coverage of net charge-offs (x) | 0.7206% | 5,273 |
| Efficiency ratio | 80.0881% | 2,286 |
| Assets per employee ($millions) | 5.6761% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 1,940 |
| Loan loss allowance to noncurrent loans | 43.5859% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 6.3617% | 748 |
| Noncurrent loans to loans | 4.8775% | 1,177 |
| Net loans and leases to total assets | 68.6318% | 2,286 |
| Net loans and leases to deposits | 75.4393% | 3,271 |
| Net loans and leases to core deposits | 86.9310% | 2,510 |
| Total domestic deposits to total assets | 90.9763% | 519 |
| Equity capital to assets | 8.7239% | 5,873 |
| Core capital (leverage) ratio | 8.6591% | 5,310 |
| Tier 1 risk-based capital ratio | 12.7929% | 5,246 |
| Total risk-based capital ratio | 14.0548% | 5,216 |
| Memoranda: | ||
| Average total assets | $289,737,000 | 2,195 |
| Average earning assets | $272,732,600 | 2,148 |
| Average equity | $26,272,200 | 2,460 |
| Average total loans | $226,676,800 | 1,830 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 1,129 |
| Cost of funding earning assets | 1.2088% | 2,268 |
| Net interest margin | 4.3453% | 1,573 |
| Noninterest income to average assets | 0.1840% | 6,277 |
| Noninterest expense to average assets | 3.2909% | 2,526 |
| Loan and lease loss provision to assets | 0.7998% | 1,164 |
| Net operating income to assets | 0.1942% | 5,715 |
| Return on assets (ROA) | 0.2321% | 5,749 |
| Pretax return on assets | 0.2330% | 5,834 |
| Return on Equity (ROE) | 2.5350% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.5350% | 4,849 |
| Net charge-offs to loans | 1.4680% | 998 |
| Credit loss provision to net charge-offs | 67.8431% | 4,552 |
| Earnings coverage of net charge-offs (x) | 0.8439% | 4,979 |
| Efficiency ratio | 76.7853% | 2,704 |
| Assets per employee ($millions) | 5.7676% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 2,673 |
| Loan loss allowance to noncurrent loans | 31.4464% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 6.2179% | 846 |
| Noncurrent loans to loans | 5.9772% | 935 |
| Net loans and leases to total assets | 71.3781% | 1,837 |
| Net loans and leases to deposits | 78.7141% | 2,856 |
| Net loans and leases to core deposits | 102.8309% | 1,049 |
| Total domestic deposits to total assets | 90.6802% | 559 |
| Equity capital to assets | 9.0447% | 5,698 |
| Core capital (leverage) ratio | 9.3148% | 4,429 |
| Tier 1 risk-based capital ratio | 12.9474% | 5,140 |
| Total risk-based capital ratio | 14.2019% | 5,100 |
| Memoranda: | ||
| Average total assets | $288,382,250 | 2,219 |
| Average earning assets | $272,224,500 | 2,156 |
| Average equity | $26,403,000 | 2,446 |
| Average total loans | $231,603,250 | 1,814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7909% | 729 |
| Cost of funding earning assets | 1.2625% | 2,168 |
| Net interest margin | 4.5284% | 1,061 |
| Noninterest income to average assets | 0.1564% | 6,533 |
| Noninterest expense to average assets | 3.5090% | 1,957 |
| Loan and lease loss provision to assets | 0.7045% | 1,341 |
| Net operating income to assets | 0.2389% | 5,598 |
| Return on assets (ROA) | 0.2548% | 5,662 |
| Pretax return on assets | 0.2562% | 5,791 |
| Return on Equity (ROE) | 2.7719% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.7719% | 4,517 |
| Net charge-offs to loans | 1.3180% | 1,159 |
| Credit loss provision to net charge-offs | 64.4728% | 4,223 |
| Earnings coverage of net charge-offs (x) | 0.8645% | 4,646 |
| Efficiency ratio | 78.7898% | 2,588 |
| Assets per employee ($millions) | 5.2722% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 2,758 |
| Loan loss allowance to noncurrent loans | 27.6820% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 6.0821% | 921 |
| Noncurrent loans to loans | 6.7636% | 793 |
| Net loans and leases to total assets | 80.3894% | 499 |
| Net loans and leases to deposits | 92.8522% | 964 |
| Net loans and leases to core deposits | 120.5913% | 406 |
| Total domestic deposits to total assets | 86.5778% | 3,000 |
| Equity capital to assets | 9.4837% | 4,834 |
| Core capital (leverage) ratio | 9.2881% | 4,265 |
| Tier 1 risk-based capital ratio | 12.3404% | 5,484 |
| Total risk-based capital ratio | 13.5932% | 5,463 |
| Memoranda: | ||
| Average total assets | $286,460,000 | 2,234 |
| Average earning assets | $271,840,000 | 2,162 |
| Average equity | $26,335,670 | 2,437 |
| Average total loans | $237,477,670 | 1,796 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0166% | 454 |
| Cost of funding earning assets | 1.2735% | 2,341 |
| Net interest margin | 4.7431% | 647 |
| Noninterest income to average assets | 0.1517% | 6,636 |
| Noninterest expense to average assets | 3.1065% | 3,218 |
| Loan and lease loss provision to assets | 1.1160% | 651 |
| Net operating income to assets | 0.4249% | 4,828 |
| Return on assets (ROA) | 0.4428% | 4,838 |
| Pretax return on assets | 0.4428% | 5,212 |
| Return on Equity (ROE) | 4.8908% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.8908% | 3,256 |
| Net charge-offs to loans | 2.1128% | 589 |
| Credit loss provision to net charge-offs | 63.3516% | 3,484 |
| Earnings coverage of net charge-offs (x) | 0.8747% | 3,988 |
| Efficiency ratio | 66.8448% | 4,889 |
| Assets per employee ($millions) | 5.0309% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 2,912 |
| Loan loss allowance to noncurrent loans | 41.9649% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.5720% | 1,904 |
| Noncurrent loans to loans | 4.3677% | 1,618 |
| Net loans and leases to total assets | 80.2841% | 489 |
| Net loans and leases to deposits | 95.8539% | 699 |
| Net loans and leases to core deposits | 120.7639% | 403 |
| Total domestic deposits to total assets | 83.7567% | 4,593 |
| Equity capital to assets | 9.0618% | 5,108 |
| Core capital (leverage) ratio | 9.0610% | 4,505 |
| Tier 1 risk-based capital ratio | 11.4138% | 6,168 |
| Total risk-based capital ratio | 12.6721% | 6,149 |
| Memoranda: | ||
| Average total assets | $289,977,000 | 2,227 |
| Average earning assets | $274,838,500 | 2,164 |
| Average equity | $26,253,500 | 2,432 |
| Average total loans | $241,759,000 | 1,781 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 2,247 |
| Cost of funding earning assets | 1.7124% | 1,542 |
| Net interest margin | 3.7956% | 3,967 |
| Noninterest income to average assets | 0.1630% | 6,550 |
| Noninterest expense to average assets | 2.5204% | 5,714 |
| Loan and lease loss provision to assets | 1.4604% | 1,020 |
| Net operating income to assets | -0.1925% | 6,107 |
| Return on assets (ROA) | 0.0324% | 5,883 |
| Pretax return on assets | 0.0336% | 5,829 |
| Return on Equity (ROE) | 0.4271% | 5,844 |
| Retained earnings to average equity (ytd only) | 0.4271% | 5,363 |
| Net charge-offs to loans | 1.7959% | 1,175 |
| Credit loss provision to net charge-offs | 106.5208% | 4,189 |
| Earnings coverage of net charge-offs (x) | 0.9189% | 5,193 |
| Efficiency ratio | 66.6747% | 4,824 |
| Assets per employee ($millions) | 5.1457% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 2,362 |
| Loan loss allowance to noncurrent loans | 36.2805% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 5.1631% | 1,227 |
| Noncurrent loans to loans | 5.4500% | 1,206 |
| Net loans and leases to total assets | 83.3002% | 356 |
| Net loans and leases to deposits | 95.4752% | 912 |
| Net loans and leases to core deposits | 116.0754% | 637 |
| Total domestic deposits to total assets | 87.2480% | 2,700 |
| Equity capital to assets | 9.0454% | 5,077 |
| Core capital (leverage) ratio | 8.8055% | 4,845 |
| Tier 1 risk-based capital ratio | 11.2025% | 6,180 |
| Total risk-based capital ratio | 12.4658% | 6,150 |
| Memoranda: | ||
| Average total assets | $329,980,800 | 1,974 |
| Average earning assets | $314,472,200 | 1,886 |
| Average equity | $25,053,000 | 2,548 |
| Average total loans | $251,900,600 | 1,750 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 2,891 |
| Cost of funding earning assets | 1.7780% | 1,521 |
| Net interest margin | 3.6208% | 4,780 |
| Noninterest income to average assets | 0.1433% | 6,831 |
| Noninterest expense to average assets | 2.4540% | 5,874 |
| Loan and lease loss provision to assets | 1.3022% | 1,067 |
| Net operating income to assets | -0.1556% | 6,256 |
| Return on assets (ROA) | 0.1441% | 5,816 |
| Pretax return on assets | 0.1457% | 5,840 |
| Return on Equity (ROE) | 1.9784% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.9784% | 4,963 |
| Net charge-offs to loans | 1.6200% | 1,216 |
| Credit loss provision to net charge-offs | 107.8845% | 3,949 |
| Earnings coverage of net charge-offs (x) | 0.9487% | 5,109 |
| Efficiency ratio | 68.1828% | 4,434 |
| Assets per employee ($millions) | 6.0808% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,469 |
| Loan loss allowance to noncurrent loans | 33.1465% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 5.0389% | 1,276 |
| Noncurrent loans to loans | 5.7498% | 1,127 |
| Net loans and leases to total assets | 77.9699% | 1,041 |
| Net loans and leases to deposits | 91.6805% | 1,491 |
| Net loans and leases to core deposits | 108.6170% | 1,119 |
| Total domestic deposits to total assets | 85.0452% | 3,597 |
| Equity capital to assets | 8.3473% | 6,457 |
| Core capital (leverage) ratio | 8.2027% | 6,035 |
| Tier 1 risk-based capital ratio | 10.9592% | 6,412 |
| Total risk-based capital ratio | 12.2187% | 6,387 |
| Memoranda: | ||
| Average total assets | $340,436,250 | 1,948 |
| Average earning assets | $324,926,000 | 1,854 |
| Average equity | $24,800,000 | 2,613 |
| Average total loans | $253,656,000 | 1,760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 3,164 |
| Cost of funding earning assets | 1.8810% | 1,303 |
| Net interest margin | 3.4778% | 5,330 |
| Noninterest income to average assets | 0.1440% | 6,865 |
| Noninterest expense to average assets | 2.3574% | 6,190 |
| Loan and lease loss provision to assets | 1.1621% | 1,227 |
| Net operating income to assets | -0.0475% | 6,148 |
| Return on assets (ROA) | 0.0189% | 6,153 |
| Pretax return on assets | 0.0212% | 6,118 |
| Return on Equity (ROE) | 0.2720% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.2720% | 5,647 |
| Net charge-offs to loans | 1.9117% | 970 |
| Credit loss provision to net charge-offs | 83.2648% | 4,622 |
| Earnings coverage of net charge-offs (x) | 0.7944% | 4,973 |
| Efficiency ratio | 68.0132% | 4,576 |
| Assets per employee ($millions) | 6.7945% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 3,417 |
| Loan loss allowance to noncurrent loans | 40.1669% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 3.2116% | 2,205 |
| Noncurrent loans to loans | 3.9990% | 1,893 |
| Net loans and leases to total assets | 71.7777% | 2,463 |
| Net loans and leases to deposits | 82.1467% | 3,249 |
| Net loans and leases to core deposits | 95.0407% | 2,583 |
| Total domestic deposits to total assets | 87.3775% | 2,337 |
| Equity capital to assets | 6.7266% | 7,430 |
| Core capital (leverage) ratio | 6.5891% | 7,350 |
| Tier 1 risk-based capital ratio | 9.6696% | 7,195 |
| Total risk-based capital ratio | 10.9261% | 7,186 |
| Memoranda: | ||
| Average total assets | $348,515,330 | 1,919 |
| Average earning assets | $332,912,670 | 1,832 |
| Average equity | $24,268,670 | 2,664 |
| Average total loans | $254,431,330 | 1,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 2,811 |
| Cost of funding earning assets | 1.8557% | 1,631 |
| Net interest margin | 3.5976% | 4,741 |
| Noninterest income to average assets | 0.1341% | 7,015 |
| Noninterest expense to average assets | 2.3368% | 6,291 |
| Loan and lease loss provision to assets | 0.1156% | 5,450 |
| Net operating income to assets | 1.1164% | 1,775 |
| Return on assets (ROA) | 1.2458% | 1,486 |
| Pretax return on assets | 1.2481% | 2,210 |
| Return on Equity (ROE) | 17.5856% | 550 |
| Retained earnings to average equity (ytd only) | 17.5856% | 259 |
| Net charge-offs to loans | 0.3070% | 3,186 |
| Credit loss provision to net charge-offs | 51.5464% | 4,457 |
| Earnings coverage of net charge-offs (x) | 5.5052% | 2,386 |
| Efficiency ratio | 65.4369% | 5,229 |
| Assets per employee ($millions) | 6.7756% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 2,909 |
| Loan loss allowance to noncurrent loans | 106.2008% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1676% | 4,839 |
| Noncurrent loans to loans | 1.6430% | 4,285 |
| Net loans and leases to total assets | 69.8245% | 2,980 |
| Net loans and leases to deposits | 80.1837% | 3,627 |
| Net loans and leases to core deposits | 96.8782% | 2,476 |
| Total domestic deposits to total assets | 87.0807% | 2,590 |
| Equity capital to assets | 7.0497% | 7,346 |
| Core capital (leverage) ratio | 7.1557% | 7,142 |
| Tier 1 risk-based capital ratio | 9.9186% | 7,085 |
| Total risk-based capital ratio | 11.1753% | 7,065 |
| Memoranda: | ||
| Average total assets | $346,116,500 | 1,977 |
| Average earning assets | $330,665,500 | 1,896 |
| Average equity | $24,520,000 | 2,663 |
| Average total loans | $252,777,000 | 1,846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7976% | 2,663 |
| Cost of funding earning assets | 2.2915% | 1,694 |
| Net interest margin | 3.5061% | 4,927 |
| Noninterest income to average assets | -0.5338% | 7,950 |
| Noninterest expense to average assets | 2.7544% | 5,152 |
| Loan and lease loss provision to assets | 1.4381% | 1,601 |
| Net operating income to assets | -1.3995% | 6,814 |
| Return on assets (ROA) | -1.0517% | 6,616 |
| Pretax return on assets | -1.0510% | 6,450 |
| Return on Equity (ROE) | -15.3461% | 6,953 |
| Retained earnings to average equity (ytd only) | -16.3582% | 6,954 |
| Net charge-offs to loans | 1.0890% | 2,242 |
| Credit loss provision to net charge-offs | 169.6143% | 2,519 |
| Earnings coverage of net charge-offs (x) | 0.0464% | 6,132 |
| Efficiency ratio | 98.5930% | 1,175 |
| Assets per employee ($millions) | 6.1690% | 1,146 |
| Cash dividends to net income (ytd only)* | -6.5955% | 7,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 2,495 |
| Loan loss allowance to noncurrent loans | 111.8298% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 4,300 |
| Noncurrent loans to loans | 1.6241% | 4,209 |
| Net loans and leases to total assets | 73.7887% | 2,317 |
| Net loans and leases to deposits | 85.1612% | 3,053 |
| Net loans and leases to core deposits | 115.2404% | 2,392 |
| Total domestic deposits to total assets | 86.6459% | 2,681 |
| Equity capital to assets | 7.1216% | 7,313 |
| Core capital (leverage) ratio | 7.2249% | 7,048 |
| Tier 1 risk-based capital ratio | 9.9662% | 6,904 |
| Total risk-based capital ratio | 11.2285% | 6,865 |
| Memoranda: | ||
| Average total assets | $302,755,200 | 2,200 |
| Average earning assets | $287,327,600 | 2,142 |
| Average equity | $20,748,000 | 3,102 |
| Average total loans | $235,722,200 | 1,991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8167% | 2,816 |
| Cost of funding earning assets | 2.4335% | 1,516 |
| Net interest margin | 3.3832% | 5,340 |
| Noninterest income to average assets | 0.2534% | 6,420 |
| Noninterest expense to average assets | 2.9109% | 4,410 |
| Loan and lease loss provision to assets | 2.4506% | 683 |
| Net operating income to assets | -1.9004% | 7,273 |
| Return on assets (ROA) | -1.4563% | 7,086 |
| Pretax return on assets | -1.4554% | 6,938 |
| Return on Equity (ROE) | -21.4885% | 7,427 |
| Retained earnings to average equity (ytd only) | -22.8882% | 7,434 |
| Net charge-offs to loans | 0.6900% | 2,628 |
| Credit loss provision to net charge-offs | 451.7069% | 876 |
| Earnings coverage of net charge-offs (x) | 1.0158% | 5,036 |
| Efficiency ratio | 84.0814% | 2,289 |
| Assets per employee ($millions) | 5.7313% | 1,405 |
| Cash dividends to net income (ytd only)* | -6.5136% | 7,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8022% | 790 |
| Loan loss allowance to noncurrent loans | 72.3731% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 3.2609% | 2,075 |
| Noncurrent loans to loans | 3.8718% | 1,913 |
| Net loans and leases to total assets | 76.8504% | 1,811 |
| Net loans and leases to deposits | 88.9674% | 2,785 |
| Net loans and leases to core deposits | 117.9164% | 2,426 |
| Total domestic deposits to total assets | 86.3805% | 2,488 |
| Equity capital to assets | 5.9063% | 7,873 |
| Core capital (leverage) ratio | 5.8524% | 7,826 |
| Tier 1 risk-based capital ratio | 7.7751% | 7,825 |
| Total risk-based capital ratio | 9.0456% | 7,830 |
| Memoranda: | ||
| Average total assets | $295,162,250 | 2,262 |
| Average earning assets | $279,924,500 | 2,196 |
| Average equity | $20,004,000 | 3,230 |
| Average total loans | $232,063,500 | 2,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 2,826 |
| Cost of funding earning assets | 2.5837% | 1,333 |
| Net interest margin | 3.2623% | 5,694 |
| Noninterest income to average assets | 0.1338% | 7,290 |
| Noninterest expense to average assets | 2.5583% | 5,909 |
| Loan and lease loss provision to assets | 1.7416% | 959 |
| Net operating income to assets | -1.0712% | 7,035 |
| Return on assets (ROA) | -0.9782% | 6,963 |
| Pretax return on assets | -0.9769% | 6,801 |
| Return on Equity (ROE) | -13.7887% | 7,271 |
| Retained earnings to average equity (ytd only) | -15.8409% | 7,285 |
| Net charge-offs to loans | 1.1982% | 1,530 |
| Credit loss provision to net charge-offs | 185.2507% | 2,473 |
| Earnings coverage of net charge-offs (x) | 0.7146% | 5,005 |
| Efficiency ratio | 79.2015% | 3,160 |
| Assets per employee ($millions) | 6.1530% | 1,124 |
| Cash dividends to net income (ytd only)* | -14.8831% | 7,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 2,398 |
| Loan loss allowance to noncurrent loans | 54.9397% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.8702% | 2,232 |
| Noncurrent loans to loans | 3.0668% | 2,337 |
| Net loans and leases to total assets | 74.2556% | 2,634 |
| Net loans and leases to deposits | 85.8219% | 3,577 |
| Net loans and leases to core deposits | 122.9010% | 2,120 |
| Total domestic deposits to total assets | 86.5229% | 2,503 |
| Equity capital to assets | 6.7164% | 7,744 |
| Core capital (leverage) ratio | 6.6717% | 7,711 |
| Tier 1 risk-based capital ratio | 8.9980% | 7,697 |
| Total risk-based capital ratio | 10.2460% | 7,716 |
| Memoranda: | ||
| Average total assets | $288,475,000 | 2,334 |
| Average earning assets | $273,798,330 | 2,260 |
| Average equity | $20,466,000 | 3,176 |
| Average total loans | $226,339,670 | 2,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 2,880 |
| Cost of funding earning assets | 2.5292% | 1,805 |
| Net interest margin | 3.3536% | 5,310 |
| Noninterest income to average assets | 0.1750% | 7,057 |
| Noninterest expense to average assets | 2.5200% | 5,763 |
| Loan and lease loss provision to assets | 3.4164% | 307 |
| Net operating income to assets | -2.5845% | 7,782 |
| Return on assets (ROA) | -2.4712% | 7,758 |
| Pretax return on assets | -2.4684% | 7,653 |
| Return on Equity (ROE) | -33.8382% | 7,936 |
| Retained earnings to average equity (ytd only) | -35.9003% | 7,921 |
| Net charge-offs to loans | 0.3690% | 2,618 |
| Credit loss provision to net charge-offs | 1,156.3107% | 551 |
| Earnings coverage of net charge-offs (x) | 2.8252% | 3,365 |
| Efficiency ratio | 75.1176% | 3,638 |
| Assets per employee ($millions) | 6.0380% | 1,176 |
| Cash dividends to net income (ytd only)* | -6.0940% | 8,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1696% | 1,118 |
| Loan loss allowance to noncurrent loans | 95.7889% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 2.3599% | 2,425 |
| Noncurrent loans to loans | 2.2650% | 2,907 |
| Net loans and leases to total assets | 75.2284% | 2,444 |
| Net loans and leases to deposits | 90.5155% | 2,849 |
| Net loans and leases to core deposits | 153.9882% | 601 |
| Total domestic deposits to total assets | 83.1111% | 4,085 |
| Equity capital to assets | 6.4898% | 7,871 |
| Core capital (leverage) ratio | 6.6373% | 7,824 |
| Tier 1 risk-based capital ratio | 9.0771% | 7,746 |
| Total risk-based capital ratio | 10.3420% | 7,754 |
| Memoranda: | ||
| Average total assets | $278,888,500 | 2,392 |
| Average earning assets | $264,436,000 | 2,329 |
| Average equity | $20,367,500 | 3,211 |
| Average total loans | $223,329,000 | 2,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3193% | 3,861 |
| Cost of funding earning assets | 3.0542% | 1,666 |
| Net interest margin | 3.2651% | 6,163 |
| Noninterest income to average assets | 0.2798% | 6,463 |
| Noninterest expense to average assets | 2.7523% | 5,036 |
| Loan and lease loss provision to assets | 0.4447% | 3,068 |
| Net operating income to assets | 0.1701% | 5,938 |
| Return on assets (ROA) | -0.5605% | 6,854 |
| Pretax return on assets | -0.5605% | 6,698 |
| Return on Equity (ROE) | -5.5292% | 6,916 |
| Retained earnings to average equity (ytd only) | -10.7048% | 7,136 |
| Net charge-offs to loans | -0.0322% | 7,978 |
| Credit loss provision to net charge-offs | -1,695.0000% | 7,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7426% | 2,336 |
| Assets per employee ($millions) | 5.5726% | 1,403 |
| Cash dividends to net income (ytd only)* | -93.6037% | 8,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,056 |
| Loan loss allowance to noncurrent loans | 40.9286% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 2.5737% | 1,878 |
| Noncurrent loans to loans | 3.0760% | 1,736 |
| Net loans and leases to total assets | 82.6187% | 1,117 |
| Net loans and leases to deposits | 98.5091% | 2,049 |
| Net loans and leases to core deposits | 183.2028% | 255 |
| Total domestic deposits to total assets | 83.8691% | 3,388 |
| Equity capital to assets | 8.2218% | 6,516 |
| Core capital (leverage) ratio | 7.1471% | 7,572 |
| Tier 1 risk-based capital ratio | 9.8535% | 6,900 |
| Total risk-based capital ratio | 11.1063% | 6,776 |
| Memoranda: | ||
| Average total assets | $228,717,400 | 2,779 |
| Average earning assets | $216,258,800 | 2,698 |
| Average equity | $23,185,800 | 2,825 |
| Average total loans | $186,339,200 | 2,439 |