Home > Roselle Bank > Performance and Condition Ratios
Roselle Bank, Performance and Condition Ratios
| 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 | 2.8948% | 4,983 |
| Cost of funding earning assets | 1.6446% | 161 |
| Net interest margin | 1.2501% | 5,093 |
| Noninterest income to average assets | 0.2270% | 4,188 |
| Noninterest expense to average assets | 6.9559% | 120 |
| Loan and lease loss provision to assets | 0.0280% | 3,439 |
| Net operating income to assets | -5.5997% | 5,097 |
| Return on assets (ROA) | -5.4371% | 5,089 |
| Pretax return on assets | -5.4371% | 5,086 |
| Return on Equity (ROE) | -42.6271% | 5,095 |
| Retained earnings to average equity (ytd only) | -42.6271% | 5,073 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 502.4966% | 9 |
| Assets per employee ($millions) | 9.3771% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 4,485 |
| Loan loss allowance to noncurrent loans | 1,986.5672% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,563 |
| Noncurrent loans to loans | 0.0384% | 4,405 |
| Net loans and leases to total assets | 41.0422% | 4,627 |
| Net loans and leases to deposits | 52.2075% | 4,510 |
| Net loans and leases to core deposits | 56.0850% | 4,489 |
| Total domestic deposits to total assets | 78.6135% | 4,118 |
| Equity capital to assets | 11.9067% | 2,138 |
| Core capital (leverage) ratio | 11.7400% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3690% | 276 |
| Memoranda: | ||
| Average total assets | $428,240,500 | 1,679 |
| Average earning assets | $396,441,000 | 1,679 |
| Average equity | $54,622,500 | 1,526 |
| Average total loans | $174,592,000 | 2,419 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9712% | 5,063 |
| Cost of funding earning assets | 1.6211% | 273 |
| Net interest margin | 1.3501% | 5,143 |
| Noninterest income to average assets | 0.1106% | 4,901 |
| Noninterest expense to average assets | 2.1958% | 4,169 |
| Loan and lease loss provision to assets | 0.0241% | 3,538 |
| Net operating income to assets | -0.8606% | 5,083 |
| Return on assets (ROA) | -0.8587% | 5,088 |
| Pretax return on assets | -0.8587% | 5,082 |
| Return on Equity (ROE) | -6.0758% | 5,086 |
| Retained earnings to average equity (ytd only) | -6.0758% | 5,005 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.5411% | 35 |
| Assets per employee ($millions) | 9.2449% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 4,471 |
| Loan loss allowance to noncurrent loans | 542.0833% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,352 |
| Noncurrent loans to loans | 0.1374% | 3,978 |
| Net loans and leases to total assets | 39.8992% | 4,735 |
| Net loans and leases to deposits | 52.1800% | 4,603 |
| Net loans and leases to core deposits | 56.1646% | 4,575 |
| Total domestic deposits to total assets | 76.4645% | 4,550 |
| Equity capital to assets | 13.5790% | 1,252 |
| Core capital (leverage) ratio | 12.8153% | 1,324 |
| Tier 1 risk-based capital ratio | 32.9761% | 386 |
| Total risk-based capital ratio | 34.5457% | 374 |
| Memoranda: | ||
| Average total assets | $427,719,400 | 1,636 |
| Average earning assets | $395,595,200 | 1,647 |
| Average equity | $60,453,400 | 1,371 |
| Average total loans | $168,295,600 | 2,425 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9736% | 5,158 |
| Cost of funding earning assets | 1.5932% | 312 |
| Net interest margin | 1.3804% | 5,225 |
| Noninterest income to average assets | 0.1099% | 4,954 |
| Noninterest expense to average assets | 2.2205% | 4,145 |
| Loan and lease loss provision to assets | 0.0197% | 3,510 |
| Net operating income to assets | -0.8535% | 5,165 |
| Return on assets (ROA) | -0.8510% | 5,168 |
| Pretax return on assets | -0.8510% | 5,161 |
| Return on Equity (ROE) | -5.9610% | 5,167 |
| Retained earnings to average equity (ytd only) | -5.9610% | 5,085 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.1219% | 35 |
| Assets per employee ($millions) | 9.6115% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,573 |
| Loan loss allowance to noncurrent loans | 733.1395% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,526 |
| Noncurrent loans to loans | 0.1008% | 4,193 |
| Net loans and leases to total assets | 38.3197% | 4,865 |
| Net loans and leases to deposits | 50.0782% | 4,771 |
| Net loans and leases to core deposits | 53.7983% | 4,752 |
| Total domestic deposits to total assets | 76.5197% | 4,587 |
| Equity capital to assets | 13.6791% | 1,280 |
| Core capital (leverage) ratio | 13.0104% | 1,340 |
| Tier 1 risk-based capital ratio | 33.8312% | 377 |
| Total risk-based capital ratio | 35.4931% | 360 |
| Memoranda: | ||
| Average total assets | $426,021,750 | 1,651 |
| Average earning assets | $394,076,250 | 1,664 |
| Average equity | $60,816,250 | 1,372 |
| Average total loans | $166,702,750 | 2,468 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9719% | 5,215 |
| Cost of funding earning assets | 1.5373% | 335 |
| Net interest margin | 1.4345% | 5,277 |
| Noninterest income to average assets | 0.1141% | 4,986 |
| Noninterest expense to average assets | 1.8253% | 4,846 |
| Loan and lease loss provision to assets | 0.0228% | 3,349 |
| Net operating income to assets | -0.4075% | 5,180 |
| Return on assets (ROA) | -0.4037% | 5,184 |
| Pretax return on assets | -0.4037% | 5,181 |
| Return on Equity (ROE) | -2.7869% | 5,182 |
| Retained earnings to average equity (ytd only) | -2.7869% | 4,961 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6997% | 64 |
| Assets per employee ($millions) | 9.1150% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 4,631 |
| Loan loss allowance to noncurrent loans | 724.4186% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,571 |
| Noncurrent loans to loans | 0.1019% | 4,214 |
| Net loans and leases to total assets | 38.3033% | 4,901 |
| Net loans and leases to deposits | 50.3459% | 4,795 |
| Net loans and leases to core deposits | 53.8656% | 4,783 |
| Total domestic deposits to total assets | 76.0803% | 4,655 |
| Equity capital to assets | 14.1222% | 1,079 |
| Core capital (leverage) ratio | 13.7669% | 1,031 |
| Tier 1 risk-based capital ratio | 35.2826% | 329 |
| Total risk-based capital ratio | 36.8898% | 317 |
| Memoranda: | ||
| Average total assets | $420,653,000 | 1,676 |
| Average earning assets | $388,982,000 | 1,686 |
| Average equity | $60,928,670 | 1,362 |
| Average total loans | $165,376,000 | 2,486 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9977% | 5,269 |
| Cost of funding earning assets | 1.4569% | 376 |
| Net interest margin | 1.5408% | 5,343 |
| Noninterest income to average assets | 0.1261% | 4,978 |
| Noninterest expense to average assets | 1.8708% | 4,835 |
| Loan and lease loss provision to assets | 0.0223% | 3,149 |
| Net operating income to assets | -0.3416% | 5,233 |
| Return on assets (ROA) | -0.3416% | 5,228 |
| Pretax return on assets | -0.3416% | 5,224 |
| Return on Equity (ROE) | -2.3273% | 5,225 |
| Retained earnings to average equity (ytd only) | -2.3273% | 4,769 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5754% | 75 |
| Assets per employee ($millions) | 9.2060% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 4,690 |
| Loan loss allowance to noncurrent loans | 301.4815% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,320 |
| Noncurrent loans to loans | 0.2453% | 3,687 |
| Net loans and leases to total assets | 39.5518% | 4,904 |
| Net loans and leases to deposits | 52.2922% | 4,748 |
| Net loans and leases to core deposits | 55.2079% | 4,743 |
| Total domestic deposits to total assets | 75.6361% | 4,799 |
| Equity capital to assets | 14.7406% | 808 |
| Core capital (leverage) ratio | 14.3919% | 848 |
| Tier 1 risk-based capital ratio | 39.5646% | 242 |
| Total risk-based capital ratio | 41.1389% | 236 |
| Memoranda: | ||
| Average total assets | $412,220,500 | 1,728 |
| Average earning assets | $381,361,500 | 1,729 |
| Average equity | $60,499,500 | 1,365 |
| Average total loans | $163,649,000 | 2,523 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7940% | 5,296 |
| Cost of funding earning assets | 1.1747% | 373 |
| Net interest margin | 1.6193% | 5,366 |
| Noninterest income to average assets | 0.1130% | 5,107 |
| Noninterest expense to average assets | 1.8493% | 4,955 |
| Loan and lease loss provision to assets | 0.0824% | 2,482 |
| Net operating income to assets | -1.2260% | 5,349 |
| Return on assets (ROA) | -1.2251% | 5,345 |
| Pretax return on assets | -0.3233% | 5,289 |
| Return on Equity (ROE) | -7.9277% | 5,336 |
| Retained earnings to average equity (ytd only) | -7.9277% | 5,293 |
| Net charge-offs to loans | 0.0065% | 3,456 |
| Credit loss provision to net charge-offs | 3,700.0000% | 138 |
| Earnings coverage of net charge-offs (x) | -108.6667% | 3,777 |
| Efficiency ratio | 115.0485% | 67 |
| Assets per employee ($millions) | 8.9167% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 4,711 |
| Loan loss allowance to noncurrent loans | 3,327.7778% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,864 |
| Noncurrent loans to loans | 0.0222% | 4,683 |
| Net loans and leases to total assets | 39.2587% | 4,969 |
| Net loans and leases to deposits | 51.3979% | 4,840 |
| Net loans and leases to core deposits | 54.1245% | 4,842 |
| Total domestic deposits to total assets | 76.3819% | 4,708 |
| Equity capital to assets | 14.6118% | 807 |
| Core capital (leverage) ratio | 14.6093% | 773 |
| Tier 1 risk-based capital ratio | 40.6093% | 222 |
| Total risk-based capital ratio | 41.9271% | 220 |
| Memoranda: | ||
| Average total assets | $404,309,800 | 1,698 |
| Average earning assets | $373,122,200 | 1,707 |
| Average equity | $62,477,200 | 1,278 |
| Average total loans | $137,556,000 | 2,797 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 5,364 |
| Cost of funding earning assets | 1.1094% | 380 |
| Net interest margin | 1.6411% | 5,441 |
| Noninterest income to average assets | 0.1086% | 5,179 |
| Noninterest expense to average assets | 1.8243% | 5,011 |
| Loan and lease loss provision to assets | 0.0789% | 2,373 |
| Net operating income to assets | -0.1737% | 5,340 |
| Return on assets (ROA) | -0.1737% | 5,340 |
| Pretax return on assets | -0.2853% | 5,354 |
| Return on Equity (ROE) | -1.0948% | 5,337 |
| Retained earnings to average equity (ytd only) | -1.0948% | 5,140 |
| Net charge-offs to loans | 0.0173% | 2,821 |
| Credit loss provision to net charge-offs | 1,405.8824% | 291 |
| Earnings coverage of net charge-offs (x) | -36.7583% | 3,478 |
| Efficiency ratio | 112.7551% | 75 |
| Assets per employee ($millions) | 9.0680% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 4,774 |
| Loan loss allowance to noncurrent loans | 151.3103% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,062 |
| Noncurrent loans to loans | 0.4906% | 2,914 |
| Net loans and leases to total assets | 35.9451% | 5,145 |
| Net loans and leases to deposits | 47.1703% | 5,032 |
| Net loans and leases to core deposits | 49.5854% | 5,030 |
| Total domestic deposits to total assets | 76.2028% | 4,767 |
| Equity capital to assets | 15.4509% | 629 |
| Core capital (leverage) ratio | 15.6002% | 581 |
| Tier 1 risk-based capital ratio | 44.6541% | 174 |
| Total risk-based capital ratio | 45.8333% | 174 |
| Memoranda: | ||
| Average total assets | $403,793,750 | 1,704 |
| Average earning assets | $371,361,500 | 1,721 |
| Average equity | $64,062,000 | 1,246 |
| Average total loans | $131,388,750 | 2,882 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6969% | 5,437 |
| Cost of funding earning assets | 1.0410% | 383 |
| Net interest margin | 1.6558% | 5,503 |
| Noninterest income to average assets | 0.1128% | 5,223 |
| Noninterest expense to average assets | 1.8058% | 5,084 |
| Loan and lease loss provision to assets | 0.0905% | 2,115 |
| Net operating income to assets | -0.1610% | 5,391 |
| Return on assets (ROA) | -0.1610% | 5,388 |
| Pretax return on assets | -0.2600% | 5,401 |
| Return on Equity (ROE) | -1.0062% | 5,376 |
| Retained earnings to average equity (ytd only) | -1.0062% | 5,068 |
| Net charge-offs to loans | 0.0270% | 2,313 |
| Credit loss provision to net charge-offs | 1,070.5882% | 387 |
| Earnings coverage of net charge-offs (x) | -20.0588% | 3,193 |
| Efficiency ratio | 110.3584% | 97 |
| Assets per employee ($millions) | 8.8482% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,828 |
| Loan loss allowance to noncurrent loans | 457.7093% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,744 |
| Noncurrent loans to loans | 0.1640% | 4,170 |
| Net loans and leases to total assets | 33.7570% | 5,245 |
| Net loans and leases to deposits | 43.9928% | 5,144 |
| Net loans and leases to core deposits | 46.2440% | 5,141 |
| Total domestic deposits to total assets | 76.7330% | 4,764 |
| Equity capital to assets | 15.6416% | 568 |
| Core capital (leverage) ratio | 15.7321% | 538 |
| Tier 1 risk-based capital ratio | 46.3373% | 164 |
| Total risk-based capital ratio | 47.5875% | 159 |
| Memoranda: | ||
| Average total assets | $402,371,330 | 1,717 |
| Average earning assets | $370,209,000 | 1,736 |
| Average equity | $64,399,670 | 1,247 |
| Average total loans | $125,926,670 | 2,969 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6822% | 5,487 |
| Cost of funding earning assets | 0.9755% | 418 |
| Net interest margin | 1.7067% | 5,565 |
| Noninterest income to average assets | 0.1130% | 5,281 |
| Noninterest expense to average assets | 1.7888% | 5,165 |
| Loan and lease loss provision to assets | 0.0830% | 2,133 |
| Net operating income to assets | -0.1160% | 5,426 |
| Return on assets (ROA) | -0.1160% | 5,418 |
| Pretax return on assets | -0.1880% | 5,434 |
| Return on Equity (ROE) | -0.7164% | 5,410 |
| Retained earnings to average equity (ytd only) | -0.7164% | 4,885 |
| Net charge-offs to loans | 0.0568% | 1,538 |
| Credit loss provision to net charge-offs | 488.2353% | 610 |
| Earnings coverage of net charge-offs (x) | -6.1765% | 2,691 |
| Efficiency ratio | 106.2352% | 126 |
| Assets per employee ($millions) | 9.3409% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,905 |
| Loan loss allowance to noncurrent loans | 334.5196% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 4,637 |
| Noncurrent loans to loans | 0.2257% | 3,966 |
| Net loans and leases to total assets | 30.7569% | 5,349 |
| Net loans and leases to deposits | 39.9007% | 5,264 |
| Net loans and leases to core deposits | 42.0254% | 5,264 |
| Total domestic deposits to total assets | 77.0838% | 4,847 |
| Equity capital to assets | 15.9474% | 493 |
| Core capital (leverage) ratio | 16.0765% | 478 |
| Tier 1 risk-based capital ratio | 49.0792% | 138 |
| Total risk-based capital ratio | 50.2802% | 137 |
| Memoranda: | ||
| Average total assets | $400,048,000 | 1,742 |
| Average earning assets | $368,203,500 | 1,752 |
| Average equity | $64,767,500 | 1,243 |
| Average total loans | $119,672,000 | 3,070 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5371% | 5,544 |
| Cost of funding earning assets | 0.9222% | 335 |
| Net interest margin | 1.6149% | 5,610 |
| Noninterest income to average assets | 0.1101% | 5,371 |
| Noninterest expense to average assets | 2.6937% | 3,145 |
| Loan and lease loss provision to assets | 0.0396% | 3,475 |
| Net operating income to assets | -0.9638% | 5,583 |
| Return on assets (ROA) | -0.9638% | 5,584 |
| Pretax return on assets | -1.1354% | 5,607 |
| Return on Equity (ROE) | -5.8383% | 5,555 |
| Retained earnings to average equity (ytd only) | -5.8383% | 5,463 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.5737% | 19 |
| Assets per employee ($millions) | 9.7180% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,928 |
| Loan loss allowance to noncurrent loans | 136.3495% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,339 |
| Noncurrent loans to loans | 0.5580% | 2,827 |
| Net loans and leases to total assets | 28.6098% | 5,453 |
| Net loans and leases to deposits | 37.0180% | 5,409 |
| Net loans and leases to core deposits | 38.8661% | 5,404 |
| Total domestic deposits to total assets | 77.2862% | 4,826 |
| Equity capital to assets | 16.4345% | 463 |
| Core capital (leverage) ratio | 16.1670% | 453 |
| Tier 1 risk-based capital ratio | 51.4941% | 116 |
| Total risk-based capital ratio | 52.9319% | 114 |
| Memoranda: | ||
| Average total assets | $401,448,000 | 1,693 |
| Average earning assets | $369,871,600 | 1,706 |
| Average equity | $66,269,200 | 1,206 |
| Average total loans | $104,938,800 | 3,265 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5118% | 5,608 |
| Cost of funding earning assets | 0.9105% | 322 |
| Net interest margin | 1.6013% | 5,682 |
| Noninterest income to average assets | 0.1193% | 5,403 |
| Noninterest expense to average assets | 3.0780% | 1,863 |
| Loan and lease loss provision to assets | 0.0378% | 3,350 |
| Net operating income to assets | -0.8761% | 5,663 |
| Return on assets (ROA) | -0.8761% | 5,663 |
| Pretax return on assets | -1.5209% | 5,696 |
| Return on Equity (ROE) | -5.3026% | 5,635 |
| Retained earnings to average equity (ytd only) | -5.3026% | 5,550 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.9952% | 12 |
| Assets per employee ($millions) | 9.7835% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,010 |
| Loan loss allowance to noncurrent loans | 104.9367% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 4,308 |
| Noncurrent loans to loans | 0.7194% | 2,562 |
| Net loans and leases to total assets | 27.1702% | 5,547 |
| Net loans and leases to deposits | 35.2671% | 5,506 |
| Net loans and leases to core deposits | 36.8840% | 5,513 |
| Total domestic deposits to total assets | 77.0410% | 4,881 |
| Equity capital to assets | 16.6684% | 464 |
| Core capital (leverage) ratio | 16.2884% | 457 |
| Tier 1 risk-based capital ratio | 53.0136% | 110 |
| Total risk-based capital ratio | 54.2760% | 106 |
| Memoranda: | ||
| Average total assets | $402,205,000 | 1,707 |
| Average earning assets | $370,609,750 | 1,717 |
| Average equity | $66,456,250 | 1,206 |
| Average total loans | $102,457,000 | 3,341 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5038% | 5,660 |
| Cost of funding earning assets | 0.8964% | 311 |
| Net interest margin | 1.6073% | 5,735 |
| Noninterest income to average assets | 0.1177% | 5,459 |
| Noninterest expense to average assets | 3.7733% | 691 |
| Loan and lease loss provision to assets | 0.0467% | 3,058 |
| Net operating income to assets | -1.3012% | 5,735 |
| Return on assets (ROA) | -1.3012% | 5,734 |
| Pretax return on assets | -2.2218% | 5,759 |
| Return on Equity (ROE) | -7.8979% | 5,706 |
| Retained earnings to average equity (ytd only) | -7.8979% | 5,609 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 236.0895% | 9 |
| Assets per employee ($millions) | 8.9293% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7624% | 5,044 |
| Loan loss allowance to noncurrent loans | 164.0974% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,697 |
| Noncurrent loans to loans | 0.4646% | 3,346 |
| Net loans and leases to total assets | 26.2083% | 5,607 |
| Net loans and leases to deposits | 33.9437% | 5,573 |
| Net loans and leases to core deposits | 35.3462% | 5,580 |
| Total domestic deposits to total assets | 77.2109% | 4,926 |
| Equity capital to assets | 16.5509% | 461 |
| Core capital (leverage) ratio | 16.3155% | 439 |
| Tier 1 risk-based capital ratio | 53.9440% | 102 |
| Total risk-based capital ratio | 55.0611% | 102 |
| Memoranda: | ||
| Average total assets | $402,565,330 | 1,708 |
| Average earning assets | $370,803,670 | 1,720 |
| Average equity | $66,321,330 | 1,207 |
| Average total loans | $100,004,330 | 3,395 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4805% | 5,728 |
| Cost of funding earning assets | 0.8793% | 318 |
| Net interest margin | 1.6011% | 5,805 |
| Noninterest income to average assets | 0.1261% | 5,491 |
| Noninterest expense to average assets | 5.9483% | 166 |
| Loan and lease loss provision to assets | 0.0447% | 2,905 |
| Net operating income to assets | -2.6059% | 5,834 |
| Return on assets (ROA) | -2.6059% | 5,834 |
| Pretax return on assets | -4.3937% | 5,840 |
| Return on Equity (ROE) | -15.8540% | 5,804 |
| Retained earnings to average equity (ytd only) | -15.8540% | 5,677 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 371.9429% | 7 |
| Assets per employee ($millions) | 8.9466% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 5,169 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,786 |
| Noncurrent loans to loans | 0.4816% | 3,360 |
| Net loans and leases to total assets | 24.5679% | 5,691 |
| Net loans and leases to deposits | 31.7953% | 5,656 |
| Net loans and leases to core deposits | 33.1915% | 5,658 |
| Total domestic deposits to total assets | 77.2691% | 5,082 |
| Equity capital to assets | 16.5090% | 431 |
| Core capital (leverage) ratio | 16.3628% | 418 |
| Tier 1 risk-based capital ratio | 55.2826% | 100 |
| Total risk-based capital ratio | 56.5220% | 98 |
| Memoranda: | ||
| Average total assets | $402,938,000 | 1,718 |
| Average earning assets | $370,736,500 | 1,729 |
| Average equity | $66,229,500 | 1,205 |
| Average total loans | $96,947,000 | 3,466 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5246% | 5,751 |
| Cost of funding earning assets | 0.8716% | 342 |
| Net interest margin | 1.6530% | 5,841 |
| Noninterest income to average assets | 0.1308% | 5,533 |
| Noninterest expense to average assets | 1.7585% | 5,513 |
| Loan and lease loss provision to assets | 0.0124% | 4,131 |
| Net operating income to assets | -0.0208% | 5,655 |
| Return on assets (ROA) | 0.0223% | 5,648 |
| Pretax return on assets | -0.0414% | 5,669 |
| Return on Equity (ROE) | 0.1347% | 5,653 |
| Retained earnings to average equity (ytd only) | 0.1347% | 5,261 |
| Net charge-offs to loans | 0.0571% | 2,910 |
| Credit loss provision to net charge-offs | 94.3396% | 2,717 |
| Earnings coverage of net charge-offs (x) | -7.3396% | 4,229 |
| Efficiency ratio | 105.7956% | 160 |
| Assets per employee ($millions) | 9.6019% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 5,215 |
| Loan loss allowance to noncurrent loans | 116.4495% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 4,711 |
| Noncurrent loans to loans | 0.6516% | 2,904 |
| Net loans and leases to total assets | 23.1872% | 5,771 |
| Net loans and leases to deposits | 30.1649% | 5,736 |
| Net loans and leases to core deposits | 31.3520% | 5,737 |
| Total domestic deposits to total assets | 76.8683% | 5,131 |
| Equity capital to assets | 16.3644% | 453 |
| Core capital (leverage) ratio | 17.0187% | 357 |
| Tier 1 risk-based capital ratio | 58.5227% | 89 |
| Total risk-based capital ratio | 59.8576% | 88 |
| Memoranda: | ||
| Average total assets | $403,814,200 | 1,665 |
| Average earning assets | $374,118,400 | 1,664 |
| Average equity | $66,835,800 | 1,173 |
| Average total loans | $92,878,200 | 3,521 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5498% | 5,806 |
| Cost of funding earning assets | 0.8656% | 352 |
| Net interest margin | 1.6842% | 5,907 |
| Noninterest income to average assets | 0.1324% | 5,590 |
| Noninterest expense to average assets | 1.7527% | 5,574 |
| Loan and lease loss provision to assets | 0.0050% | 4,132 |
| Net operating income to assets | 0.0056% | 5,715 |
| Return on assets (ROA) | 0.0063% | 5,737 |
| Pretax return on assets | -0.0617% | 5,754 |
| Return on Equity (ROE) | 0.0377% | 5,738 |
| Retained earnings to average equity (ytd only) | 0.0377% | 5,334 |
| Net charge-offs to loans | 0.0029% | 3,836 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | -87.3895% | 3,943 |
| Efficiency ratio | 103.4080% | 184 |
| Assets per employee ($millions) | 9.8015% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 5,239 |
| Loan loss allowance to noncurrent loans | 135.8736% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 4,899 |
| Noncurrent loans to loans | 0.5760% | 3,276 |
| Net loans and leases to total assets | 23.0607% | 5,835 |
| Net loans and leases to deposits | 30.1173% | 5,810 |
| Net loans and leases to core deposits | 31.3064% | 5,814 |
| Total domestic deposits to total assets | 76.5698% | 5,158 |
| Equity capital to assets | 16.7327% | 456 |
| Core capital (leverage) ratio | 17.0948% | 359 |
| Tier 1 risk-based capital ratio | 59.4819% | 84 |
| Total risk-based capital ratio | 60.3735% | 86 |
| Memoranda: | ||
| Average total assets | $403,930,750 | 1,669 |
| Average earning assets | $374,771,500 | 1,660 |
| Average equity | $67,113,500 | 1,172 |
| Average total loans | $92,541,750 | 3,537 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6167% | 5,867 |
| Cost of funding earning assets | 0.8564% | 364 |
| Net interest margin | 1.7602% | 5,984 |
| Noninterest income to average assets | 0.1409% | 5,607 |
| Noninterest expense to average assets | 1.7508% | 5,645 |
| Loan and lease loss provision to assets | 0.0074% | 3,923 |
| Net operating income to assets | 0.0529% | 5,718 |
| Return on assets (ROA) | 0.0544% | 5,754 |
| Pretax return on assets | 0.0198% | 5,780 |
| Return on Equity (ROE) | 0.3280% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.3280% | 5,204 |
| Net charge-offs to loans | 0.0043% | 3,556 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,498 |
| Efficiency ratio | 98.5531% | 269 |
| Assets per employee ($millions) | 9.3895% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 5,308 |
| Loan loss allowance to noncurrent loans | 184.1310% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 5,117 |
| Noncurrent loans to loans | 0.4277% | 3,822 |
| Net loans and leases to total assets | 22.8103% | 5,904 |
| Net loans and leases to deposits | 30.0761% | 5,884 |
| Net loans and leases to core deposits | 31.2631% | 5,878 |
| Total domestic deposits to total assets | 75.8420% | 5,309 |
| Equity capital to assets | 16.7875% | 455 |
| Core capital (leverage) ratio | 17.1102% | 356 |
| Tier 1 risk-based capital ratio | 59.5106% | 92 |
| Total risk-based capital ratio | 60.5275% | 90 |
| Memoranda: | ||
| Average total assets | $404,620,670 | 1,668 |
| Average earning assets | $375,975,670 | 1,661 |
| Average equity | $67,070,670 | 1,173 |
| Average total loans | $92,254,670 | 3,562 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7180% | 5,898 |
| Cost of funding earning assets | 0.8413% | 399 |
| Net interest margin | 1.8767% | 6,032 |
| Noninterest income to average assets | 0.1195% | 5,741 |
| Noninterest expense to average assets | 1.7212% | 5,734 |
| Loan and lease loss provision to assets | 0.0148% | 3,498 |
| Net operating income to assets | 0.1185% | 5,653 |
| Return on assets (ROA) | 0.1185% | 5,704 |
| Pretax return on assets | 0.1304% | 5,708 |
| Return on Equity (ROE) | 0.7195% | 5,738 |
| Retained earnings to average equity (ytd only) | 0.7195% | 4,930 |
| Net charge-offs to loans | 0.0087% | 2,835 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 669 |
| Efficiency ratio | 92.2222% | 536 |
| Assets per employee ($millions) | 8.8144% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 5,377 |
| Loan loss allowance to noncurrent loans | 184.1310% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 5,187 |
| Noncurrent loans to loans | 0.4312% | 3,896 |
| Net loans and leases to total assets | 22.5249% | 5,964 |
| Net loans and leases to deposits | 29.9440% | 5,930 |
| Net loans and leases to core deposits | 31.0056% | 5,933 |
| Total domestic deposits to total assets | 75.2234% | 5,496 |
| Equity capital to assets | 16.5732% | 467 |
| Core capital (leverage) ratio | 16.8813% | 382 |
| Tier 1 risk-based capital ratio | 57.7022% | 97 |
| Total risk-based capital ratio | 58.5355% | 96 |
| Memoranda: | ||
| Average total assets | $405,057,500 | 1,664 |
| Average earning assets | $377,037,500 | 1,655 |
| Average equity | $66,716,500 | 1,176 |
| Average total loans | $91,968,500 | 3,576 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6918% | 5,940 |
| Cost of funding earning assets | 0.8194% | 442 |
| Net interest margin | 1.8725% | 6,069 |
| Noninterest income to average assets | 0.1246% | 5,789 |
| Noninterest expense to average assets | 1.6983% | 5,839 |
| Loan and lease loss provision to assets | 0.0480% | 3,370 |
| Net operating income to assets | 0.0637% | 5,799 |
| Return on assets (ROA) | 0.0715% | 5,827 |
| Pretax return on assets | 0.1464% | 5,757 |
| Return on Equity (ROE) | 0.4301% | 5,848 |
| Retained earnings to average equity (ytd only) | 0.4301% | 5,345 |
| Net charge-offs to loans | 0.3490% | 850 |
| Credit loss provision to net charge-offs | 65.7718% | 3,188 |
| Earnings coverage of net charge-offs (x) | 2.4966% | 3,893 |
| Efficiency ratio | 90.3125% | 673 |
| Assets per employee ($millions) | 9.1966% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 5,459 |
| Loan loss allowance to noncurrent loans | 283.7945% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 5,401 |
| Noncurrent loans to loans | 0.2754% | 4,471 |
| Net loans and leases to total assets | 22.5275% | 6,025 |
| Net loans and leases to deposits | 29.8696% | 5,992 |
| Net loans and leases to core deposits | 30.9844% | 5,995 |
| Total domestic deposits to total assets | 75.4196% | 5,506 |
| Equity capital to assets | 16.3684% | 483 |
| Core capital (leverage) ratio | 16.8496% | 382 |
| Tier 1 risk-based capital ratio | 59.9237% | 86 |
| Total risk-based capital ratio | 60.7872% | 86 |
| Memoranda: | ||
| Average total assets | $408,400,800 | 1,616 |
| Average earning assets | $382,974,000 | 1,594 |
| Average equity | $67,895,400 | 1,123 |
| Average total loans | $85,386,800 | 3,690 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6719% | 6,029 |
| Cost of funding earning assets | 0.8113% | 463 |
| Net interest margin | 1.8606% | 6,161 |
| Noninterest income to average assets | 0.1268% | 5,840 |
| Noninterest expense to average assets | 1.6444% | 5,950 |
| Loan and lease loss provision to assets | 0.0502% | 3,205 |
| Net operating income to assets | 0.1538% | 5,765 |
| Return on assets (ROA) | 0.1678% | 5,795 |
| Pretax return on assets | 0.1959% | 5,795 |
| Return on Equity (ROE) | 0.9976% | 5,857 |
| Retained earnings to average equity (ytd only) | 0.9976% | 5,317 |
| Net charge-offs to loans | 0.4282% | 595 |
| Credit loss provision to net charge-offs | 57.2491% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.6208% | 3,635 |
| Efficiency ratio | 87.7413% | 865 |
| Assets per employee ($millions) | 9.9512% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 5,530 |
| Loan loss allowance to noncurrent loans | 196.3788% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 5,396 |
| Noncurrent loans to loans | 0.4042% | 4,162 |
| Net loans and leases to total assets | 21.5952% | 6,120 |
| Net loans and leases to deposits | 28.8497% | 6,091 |
| Net loans and leases to core deposits | 29.8635% | 6,092 |
| Total domestic deposits to total assets | 74.8541% | 5,632 |
| Equity capital to assets | 16.9584% | 436 |
| Core capital (leverage) ratio | 16.9738% | 385 |
| Tier 1 risk-based capital ratio | 59.9029% | 92 |
| Total risk-based capital ratio | 60.9067% | 93 |
| Memoranda: | ||
| Average total assets | $409,133,500 | 1,622 |
| Average earning assets | $384,240,750 | 1,602 |
| Average equity | $68,829,500 | 1,111 |
| Average total loans | $83,764,500 | 3,760 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6758% | 6,087 |
| Cost of funding earning assets | 0.8046% | 487 |
| Net interest margin | 1.8712% | 6,233 |
| Noninterest income to average assets | 0.1260% | 5,920 |
| Noninterest expense to average assets | 1.6464% | 6,020 |
| Loan and lease loss provision to assets | 0.0513% | 3,094 |
| Net operating income to assets | 0.1621% | 5,787 |
| Return on assets (ROA) | 0.1621% | 5,834 |
| Pretax return on assets | 0.1866% | 5,838 |
| Return on Equity (ROE) | 0.9664% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.9664% | 5,180 |
| Net charge-offs to loans | 0.6140% | 381 |
| Credit loss provision to net charge-offs | 41.6667% | 2,790 |
| Earnings coverage of net charge-offs (x) | 1.9325% | 3,428 |
| Efficiency ratio | 87.3769% | 954 |
| Assets per employee ($millions) | 9.9059% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 5,597 |
| Loan loss allowance to noncurrent loans | 180.9140% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 5,502 |
| Noncurrent loans to loans | 0.4438% | 4,148 |
| Net loans and leases to total assets | 20.4742% | 6,202 |
| Net loans and leases to deposits | 26.7811% | 6,184 |
| Net loans and leases to core deposits | 27.7248% | 6,185 |
| Total domestic deposits to total assets | 76.4502% | 5,537 |
| Equity capital to assets | 16.8393% | 433 |
| Core capital (leverage) ratio | 16.6933% | 388 |
| Tier 1 risk-based capital ratio | 61.1443% | 97 |
| Total risk-based capital ratio | 62.0797% | 97 |
| Memoranda: | ||
| Average total assets | $409,511,670 | 1,632 |
| Average earning assets | $384,784,330 | 1,605 |
| Average equity | $68,709,330 | 1,117 |
| Average total loans | $82,081,670 | 3,823 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6417% | 6,159 |
| Cost of funding earning assets | 0.7889% | 537 |
| Net interest margin | 1.8528% | 6,309 |
| Noninterest income to average assets | 0.1216% | 5,994 |
| Noninterest expense to average assets | 1.6634% | 6,048 |
| Loan and lease loss provision to assets | 0.0068% | 3,621 |
| Net operating income to assets | 0.1663% | 5,750 |
| Return on assets (ROA) | 0.1663% | 5,824 |
| Pretax return on assets | 0.1946% | 5,834 |
| Return on Equity (ROE) | 0.9932% | 5,910 |
| Retained earnings to average equity (ytd only) | 0.9932% | 5,072 |
| Net charge-offs to loans | 1.1083% | 211 |
| Credit loss provision to net charge-offs | 3.1111% | 2,475 |
| Earnings coverage of net charge-offs (x) | 0.9200% | 2,993 |
| Efficiency ratio | 89.2019% | 920 |
| Assets per employee ($millions) | 10.0703% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 5,842 |
| Loan loss allowance to noncurrent loans | 102.7304% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,060 |
| Noncurrent loans to loans | 0.7135% | 3,485 |
| Net loans and leases to total assets | 19.7451% | 6,273 |
| Net loans and leases to deposits | 25.7500% | 6,255 |
| Net loans and leases to core deposits | 26.8223% | 6,250 |
| Total domestic deposits to total assets | 76.6798% | 5,665 |
| Equity capital to assets | 16.7461% | 463 |
| Core capital (leverage) ratio | 16.7011% | 393 |
| Tier 1 risk-based capital ratio | 61.2099% | 104 |
| Total risk-based capital ratio | 62.1206% | 105 |
| Memoranda: | ||
| Average total assets | $411,197,500 | 1,636 |
| Average earning assets | $386,865,500 | 1,601 |
| Average equity | $68,868,500 | 1,120 |
| Average total loans | $81,209,000 | 3,853 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7499% | 6,234 |
| Cost of funding earning assets | 0.8016% | 644 |
| Net interest margin | 1.9483% | 6,379 |
| Noninterest income to average assets | 0.1195% | 6,088 |
| Noninterest expense to average assets | 1.5343% | 6,278 |
| Loan and lease loss provision to assets | 0.0432% | 3,700 |
| Net operating income to assets | 0.2610% | 5,619 |
| Return on assets (ROA) | 0.2624% | 5,685 |
| Pretax return on assets | 0.3753% | 5,548 |
| Return on Equity (ROE) | 1.5697% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.5697% | 5,047 |
| Net charge-offs to loans | 0.3634% | 1,198 |
| Credit loss provision to net charge-offs | 63.2143% | 3,228 |
| Earnings coverage of net charge-offs (x) | 6.0893% | 3,275 |
| Efficiency ratio | 78.6475% | 2,114 |
| Assets per employee ($millions) | 10.5003% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 4,941 |
| Loan loss allowance to noncurrent loans | 76.8510% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 4,985 |
| Noncurrent loans to loans | 1.3289% | 2,214 |
| Net loans and leases to total assets | 19.4065% | 6,373 |
| Net loans and leases to deposits | 25.0954% | 6,358 |
| Net loans and leases to core deposits | 26.1039% | 6,356 |
| Total domestic deposits to total assets | 77.3311% | 5,548 |
| Equity capital to assets | 16.7504% | 447 |
| Core capital (leverage) ratio | 16.0657% | 462 |
| Tier 1 risk-based capital ratio | 58.5406% | 97 |
| Total risk-based capital ratio | 59.2783% | 99 |
| Memoranda: | ||
| Average total assets | $409,320,400 | 1,616 |
| Average earning assets | $384,745,000 | 1,581 |
| Average equity | $68,420,200 | 1,078 |
| Average total loans | $77,056,400 | 3,967 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7801% | 6,292 |
| Cost of funding earning assets | 0.8019% | 674 |
| Net interest margin | 1.9782% | 6,455 |
| Noninterest income to average assets | 0.1192% | 6,166 |
| Noninterest expense to average assets | 1.5328% | 6,335 |
| Loan and lease loss provision to assets | 0.0505% | 3,362 |
| Net operating income to assets | 0.1744% | 5,895 |
| Return on assets (ROA) | 0.1740% | 5,938 |
| Pretax return on assets | 0.3942% | 5,587 |
| Return on Equity (ROE) | 1.0413% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.0413% | 5,467 |
| Net charge-offs to loans | 0.4319% | 918 |
| Credit loss provision to net charge-offs | 62.7530% | 2,894 |
| Earnings coverage of net charge-offs (x) | 5.5343% | 3,242 |
| Efficiency ratio | 77.4868% | 2,266 |
| Assets per employee ($millions) | 10.1046% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 4,881 |
| Loan loss allowance to noncurrent loans | 89.1631% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 5,295 |
| Noncurrent loans to loans | 1.1996% | 2,647 |
| Net loans and leases to total assets | 19.0159% | 6,463 |
| Net loans and leases to deposits | 24.3933% | 6,442 |
| Net loans and leases to core deposits | 25.1588% | 6,439 |
| Total domestic deposits to total assets | 77.9557% | 5,546 |
| Equity capital to assets | 16.6903% | 470 |
| Core capital (leverage) ratio | 15.8110% | 506 |
| Tier 1 risk-based capital ratio | 58.4674% | 97 |
| Total risk-based capital ratio | 59.2263% | 96 |
| Memoranda: | ||
| Average total assets | $409,272,500 | 1,630 |
| Average earning assets | $384,581,750 | 1,590 |
| Average equity | $68,376,500 | 1,077 |
| Average total loans | $76,247,500 | 4,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7908% | 6,344 |
| Cost of funding earning assets | 0.7980% | 713 |
| Net interest margin | 1.9928% | 6,522 |
| Noninterest income to average assets | 0.1197% | 6,199 |
| Noninterest expense to average assets | 1.5135% | 6,410 |
| Loan and lease loss provision to assets | 0.0482% | 3,346 |
| Net operating income to assets | 0.2917% | 5,598 |
| Return on assets (ROA) | 0.2910% | 5,667 |
| Pretax return on assets | 0.4297% | 5,483 |
| Return on Equity (ROE) | 1.7414% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.7414% | 5,029 |
| Net charge-offs to loans | 0.6441% | 605 |
| Credit loss provision to net charge-offs | 40.5738% | 2,918 |
| Earnings coverage of net charge-offs (x) | 4.0328% | 3,187 |
| Efficiency ratio | 75.9648% | 2,643 |
| Assets per employee ($millions) | 10.2695% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 5,297 |
| Loan loss allowance to noncurrent loans | 82.6780% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 5,414 |
| Noncurrent loans to loans | 1.2241% | 2,783 |
| Net loans and leases to total assets | 18.5243% | 6,530 |
| Net loans and leases to deposits | 23.7826% | 6,513 |
| Net loans and leases to core deposits | 24.5736% | 6,512 |
| Total domestic deposits to total assets | 77.8901% | 5,656 |
| Equity capital to assets | 17.0741% | 406 |
| Core capital (leverage) ratio | 16.0963% | 465 |
| Tier 1 risk-based capital ratio | 59.6297% | 88 |
| Total risk-based capital ratio | 60.3375% | 90 |
| Memoranda: | ||
| Average total assets | $410,969,330 | 1,620 |
| Average earning assets | $386,198,000 | 1,588 |
| Average equity | $68,682,330 | 1,064 |
| Average total loans | $75,766,670 | 4,052 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7942% | 6,405 |
| Cost of funding earning assets | 0.8040% | 737 |
| Net interest margin | 1.9902% | 6,588 |
| Noninterest income to average assets | 0.1197% | 6,248 |
| Noninterest expense to average assets | 1.5131% | 6,491 |
| Loan and lease loss provision to assets | 0.0438% | 3,221 |
| Net operating income to assets | 0.2952% | 5,511 |
| Return on assets (ROA) | 0.2939% | 5,558 |
| Pretax return on assets | 0.4301% | 5,360 |
| Return on Equity (ROE) | 1.7776% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.7776% | 4,892 |
| Net charge-offs to loans | 0.0213% | 3,152 |
| Credit loss provision to net charge-offs | 1,125.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 122.2500% | 396 |
| Efficiency ratio | 76.0763% | 2,793 |
| Assets per employee ($millions) | 11.0921% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 4,252 |
| Loan loss allowance to noncurrent loans | 73.9831% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 5,197 |
| Noncurrent loans to loans | 1.7230% | 2,247 |
| Net loans and leases to total assets | 18.1919% | 6,610 |
| Net loans and leases to deposits | 23.2244% | 6,588 |
| Net loans and leases to core deposits | 23.9379% | 6,582 |
| Total domestic deposits to total assets | 78.3311% | 5,780 |
| Equity capital to assets | 16.7212% | 427 |
| Core capital (leverage) ratio | 15.8301% | 501 |
| Tier 1 risk-based capital ratio | 58.9088% | 93 |
| Total risk-based capital ratio | 59.7886% | 93 |
| Memoranda: | ||
| Average total assets | $411,064,500 | 1,633 |
| Average earning assets | $386,092,000 | 1,597 |
| Average equity | $67,955,000 | 1,074 |
| Average total loans | $75,214,000 | 4,094 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8080% | 6,495 |
| Cost of funding earning assets | 0.8574% | 924 |
| Net interest margin | 1.9506% | 6,658 |
| Noninterest income to average assets | 0.1246% | 6,306 |
| Noninterest expense to average assets | 1.5076% | 6,572 |
| Loan and lease loss provision to assets | 0.0771% | 3,567 |
| Net operating income to assets | 0.2653% | 5,641 |
| Return on assets (ROA) | 0.2653% | 5,721 |
| Pretax return on assets | 0.3810% | 5,537 |
| Return on Equity (ROE) | 1.6448% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.6448% | 5,048 |
| Net charge-offs to loans | 0.0014% | 5,457 |
| Credit loss provision to net charge-offs | 32,100.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,908.0000% | 16 |
| Efficiency ratio | 76.6976% | 2,678 |
| Assets per employee ($millions) | 10.5569% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 4,479 |
| Loan loss allowance to noncurrent loans | 63.2192% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 5,196 |
| Noncurrent loans to loans | 1.9518% | 2,044 |
| Net loans and leases to total assets | 17.9442% | 6,694 |
| Net loans and leases to deposits | 22.7930% | 6,686 |
| Net loans and leases to core deposits | 23.6049% | 6,676 |
| Total domestic deposits to total assets | 78.7269% | 5,704 |
| Equity capital to assets | 16.3424% | 474 |
| Core capital (leverage) ratio | 15.4777% | 546 |
| Tier 1 risk-based capital ratio | 58.2289% | 93 |
| Total risk-based capital ratio | 59.0765% | 95 |
| Memoranda: | ||
| Average total assets | $416,554,200 | 1,583 |
| Average earning assets | $393,155,400 | 1,536 |
| Average equity | $67,182,000 | 1,071 |
| Average total loans | $72,521,000 | 4,179 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8082% | 6,568 |
| Cost of funding earning assets | 0.8632% | 980 |
| Net interest margin | 1.9449% | 6,738 |
| Noninterest income to average assets | 0.1213% | 6,412 |
| Noninterest expense to average assets | 1.5160% | 6,628 |
| Loan and lease loss provision to assets | 0.0571% | 3,908 |
| Net operating income to assets | 0.2681% | 5,721 |
| Return on assets (ROA) | 0.2681% | 5,828 |
| Pretax return on assets | 0.3862% | 5,660 |
| Return on Equity (ROE) | 1.6677% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.6677% | 5,310 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3742% | 2,500 |
| Assets per employee ($millions) | 10.1290% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 5,526 |
| Loan loss allowance to noncurrent loans | 53.3788% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 5,351 |
| Noncurrent loans to loans | 1.9685% | 2,289 |
| Net loans and leases to total assets | 17.7324% | 6,774 |
| Net loans and leases to deposits | 22.3254% | 6,773 |
| Net loans and leases to core deposits | 23.1296% | 6,767 |
| Total domestic deposits to total assets | 79.4271% | 5,642 |
| Equity capital to assets | 15.9496% | 563 |
| Core capital (leverage) ratio | 15.2703% | 598 |
| Tier 1 risk-based capital ratio | 58.2487% | 101 |
| Total risk-based capital ratio | 58.9750% | 101 |
| Memoranda: | ||
| Average total assets | $417,762,500 | 1,590 |
| Average earning assets | $394,791,250 | 1,542 |
| Average equity | $67,156,250 | 1,073 |
| Average total loans | $71,950,500 | 4,229 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8485% | 6,580 |
| Cost of funding earning assets | 0.8696% | 1,036 |
| Net interest margin | 1.9790% | 6,774 |
| Noninterest income to average assets | 0.1199% | 6,450 |
| Noninterest expense to average assets | 1.5227% | 6,659 |
| Loan and lease loss provision to assets | 0.0296% | 4,335 |
| Net operating income to assets | 0.3005% | 5,598 |
| Return on assets (ROA) | 0.3005% | 5,751 |
| Pretax return on assets | 0.4401% | 5,550 |
| Return on Equity (ROE) | 1.8647% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.8647% | 5,083 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4269% | 2,721 |
| Assets per employee ($millions) | 10.6643% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 5,998 |
| Loan loss allowance to noncurrent loans | 118.5383% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 6,080 |
| Noncurrent loans to loans | 0.7997% | 4,312 |
| Net loans and leases to total assets | 16.7076% | 6,831 |
| Net loans and leases to deposits | 21.0958% | 6,831 |
| Net loans and leases to core deposits | 21.7876% | 6,825 |
| Total domestic deposits to total assets | 79.1987% | 5,777 |
| Equity capital to assets | 15.8350% | 552 |
| Core capital (leverage) ratio | 15.0726% | 600 |
| Tier 1 risk-based capital ratio | 58.5195% | 94 |
| Total risk-based capital ratio | 59.1440% | 95 |
| Memoranda: | ||
| Average total assets | $418,586,670 | 1,589 |
| Average earning assets | $396,064,330 | 1,536 |
| Average equity | $67,462,670 | 1,069 |
| Average total loans | $71,126,330 | 4,270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8751% | 6,629 |
| Cost of funding earning assets | 0.8801% | 1,079 |
| Net interest margin | 1.9950% | 6,844 |
| Noninterest income to average assets | 0.1200% | 6,502 |
| Noninterest expense to average assets | 1.5584% | 6,694 |
| Loan and lease loss provision to assets | -0.0410% | 6,781 |
| Net operating income to assets | 0.3343% | 5,426 |
| Return on assets (ROA) | 0.3343% | 5,563 |
| Pretax return on assets | 0.4963% | 5,274 |
| Return on Equity (ROE) | 2.0567% | 5,920 |
| Retained earnings to average equity (ytd only) | 2.0567% | 4,973 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3888% | 2,710 |
| Assets per employee ($millions) | 10.9770% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 6,476 |
| Loan loss allowance to noncurrent loans | 75.6757% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 6,037 |
| Noncurrent loans to loans | 1.0410% | 4,057 |
| Net loans and leases to total assets | 16.9069% | 6,903 |
| Net loans and leases to deposits | 21.3715% | 6,892 |
| Net loans and leases to core deposits | 22.0908% | 6,888 |
| Total domestic deposits to total assets | 79.1096% | 5,943 |
| Equity capital to assets | 16.3944% | 502 |
| Core capital (leverage) ratio | 15.3741% | 530 |
| Tier 1 risk-based capital ratio | 61.7377% | 87 |
| Total risk-based capital ratio | 62.2764% | 87 |
| Memoranda: | ||
| Average total assets | $419,926,500 | 1,601 |
| Average earning assets | $398,596,500 | 1,533 |
| Average equity | $68,264,500 | 1,067 |
| Average total loans | $71,613,000 | 4,286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0017% | 6,773 |
| Cost of funding earning assets | 1.0189% | 1,260 |
| Net interest margin | 1.9828% | 6,939 |
| Noninterest income to average assets | 0.1139% | 6,457 |
| Noninterest expense to average assets | 1.5255% | 6,856 |
| Loan and lease loss provision to assets | 0.0132% | 5,747 |
| Net operating income to assets | 0.3104% | 5,431 |
| Return on assets (ROA) | 0.3140% | 5,624 |
| Pretax return on assets | 0.4674% | 5,378 |
| Return on Equity (ROE) | 1.9869% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.9869% | 4,825 |
| Net charge-offs to loans | 0.0799% | 4,869 |
| Credit loss provision to net charge-offs | 93.3333% | 3,336 |
| Earnings coverage of net charge-offs (x) | 33.7167% | 926 |
| Efficiency ratio | 76.2503% | 2,704 |
| Assets per employee ($millions) | 10.8392% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 6,419 |
| Loan loss allowance to noncurrent loans | 81.3765% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 6,126 |
| Noncurrent loans to loans | 1.0271% | 4,149 |
| Net loans and leases to total assets | 16.9234% | 6,966 |
| Net loans and leases to deposits | 21.5070% | 6,957 |
| Net loans and leases to core deposits | 22.2156% | 6,960 |
| Total domestic deposits to total assets | 78.6880% | 5,956 |
| Equity capital to assets | 16.1201% | 537 |
| Core capital (leverage) ratio | 15.2299% | 536 |
| Tier 1 risk-based capital ratio | 60.4732% | 96 |
| Total risk-based capital ratio | 61.0444% | 96 |
| Memoranda: | ||
| Average total assets | $425,763,400 | 1,542 |
| Average earning assets | $405,138,600 | 1,488 |
| Average equity | $67,292,400 | 1,043 |
| Average total loans | $75,125,200 | 4,172 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0369% | 6,886 |
| Cost of funding earning assets | 1.0445% | 1,310 |
| Net interest margin | 1.9924% | 7,041 |
| Noninterest income to average assets | 0.1100% | 6,586 |
| Noninterest expense to average assets | 1.5314% | 6,925 |
| Loan and lease loss provision to assets | -0.0025% | 6,941 |
| Net operating income to assets | 0.3186% | 5,551 |
| Return on assets (ROA) | 0.3226% | 5,738 |
| Pretax return on assets | 0.4839% | 5,507 |
| Return on Equity (ROE) | 2.0513% | 6,009 |
| Retained earnings to average equity (ytd only) | 2.0513% | 5,296 |
| Net charge-offs to loans | 0.0738% | 4,672 |
| Credit loss provision to net charge-offs | -19.0476% | 6,122 |
| Earnings coverage of net charge-offs (x) | 36.2134% | 946 |
| Efficiency ratio | 76.3084% | 2,628 |
| Assets per employee ($millions) | 10.2780% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 6,672 |
| Loan loss allowance to noncurrent loans | 63.5120% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 6,191 |
| Noncurrent loans to loans | 1.1958% | 4,060 |
| Net loans and leases to total assets | 17.2720% | 7,058 |
| Net loans and leases to deposits | 21.8460% | 7,057 |
| Net loans and leases to core deposits | 22.5281% | 7,060 |
| Total domestic deposits to total assets | 79.0625% | 5,859 |
| Equity capital to assets | 16.1427% | 580 |
| Core capital (leverage) ratio | 15.1005% | 594 |
| Tier 1 risk-based capital ratio | 61.5598% | 90 |
| Total risk-based capital ratio | 62.0950% | 93 |
| Memoranda: | ||
| Average total assets | $426,522,250 | 1,558 |
| Average earning assets | $406,060,500 | 1,503 |
| Average equity | $67,079,500 | 1,052 |
| Average total loans | $75,870,750 | 4,201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0706% | 6,946 |
| Cost of funding earning assets | 1.0642% | 1,390 |
| Net interest margin | 2.0063% | 7,106 |
| Noninterest income to average assets | 0.1098% | 6,632 |
| Noninterest expense to average assets | 1.5389% | 6,981 |
| Loan and lease loss provision to assets | 0.0187% | 5,434 |
| Net operating income to assets | 0.3084% | 5,587 |
| Return on assets (ROA) | 0.3143% | 5,774 |
| Pretax return on assets | 0.4708% | 5,515 |
| Return on Equity (ROE) | 2.0160% | 6,035 |
| Retained earnings to average equity (ytd only) | 2.0160% | 5,191 |
| Net charge-offs to loans | 0.1121% | 4,058 |
| Credit loss provision to net charge-offs | 93.0233% | 2,953 |
| Earnings coverage of net charge-offs (x) | 23.9302% | 1,238 |
| Efficiency ratio | 76.2026% | 2,709 |
| Assets per employee ($millions) | 10.4968% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 6,638 |
| Loan loss allowance to noncurrent loans | 68.9931% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 6,278 |
| Noncurrent loans to loans | 1.1841% | 4,174 |
| Net loans and leases to total assets | 17.0100% | 7,120 |
| Net loans and leases to deposits | 21.8910% | 7,114 |
| Net loans and leases to core deposits | 22.6052% | 7,116 |
| Total domestic deposits to total assets | 77.7034% | 6,216 |
| Equity capital to assets | 15.7023% | 638 |
| Core capital (leverage) ratio | 14.8903% | 615 |
| Tier 1 risk-based capital ratio | 59.2450% | 98 |
| Total risk-based capital ratio | 59.8131% | 97 |
| Memoranda: | ||
| Average total assets | $428,230,330 | 1,556 |
| Average earning assets | $407,614,000 | 1,496 |
| Average equity | $66,764,330 | 1,047 |
| Average total loans | $76,714,000 | 4,197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0708% | 7,020 |
| Cost of funding earning assets | 1.0846% | 1,480 |
| Net interest margin | 1.9862% | 7,168 |
| Noninterest income to average assets | 0.1114% | 6,687 |
| Noninterest expense to average assets | 1.5732% | 7,004 |
| Loan and lease loss provision to assets | -0.0206% | 7,120 |
| Net operating income to assets | 0.2999% | 5,656 |
| Return on assets (ROA) | 0.3100% | 5,793 |
| Pretax return on assets | 0.4635% | 5,547 |
| Return on Equity (ROE) | 1.9953% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.9953% | 5,268 |
| Net charge-offs to loans | 0.0256% | 4,327 |
| Credit loss provision to net charge-offs | -440.0000% | 5,755 |
| Earnings coverage of net charge-offs (x) | 91.4000% | 375 |
| Efficiency ratio | 78.6149% | 2,412 |
| Assets per employee ($millions) | 10.3597% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 6,808 |
| Loan loss allowance to noncurrent loans | 63.7665% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 6,367 |
| Noncurrent loans to loans | 1.1826% | 4,360 |
| Net loans and leases to total assets | 17.5139% | 7,171 |
| Net loans and leases to deposits | 22.7004% | 7,158 |
| Net loans and leases to core deposits | 23.4221% | 7,161 |
| Total domestic deposits to total assets | 77.1522% | 6,379 |
| Equity capital to assets | 15.2411% | 705 |
| Core capital (leverage) ratio | 14.7962% | 632 |
| Tier 1 risk-based capital ratio | 57.6489% | 103 |
| Total risk-based capital ratio | 58.1876% | 104 |
| Memoranda: | ||
| Average total assets | $427,160,500 | 1,559 |
| Average earning assets | $406,407,000 | 1,495 |
| Average equity | $66,357,500 | 1,057 |
| Average total loans | $78,166,500 | 4,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 7,085 |
| Cost of funding earning assets | 1.1594% | 2,288 |
| Net interest margin | 2.1707% | 7,186 |
| Noninterest income to average assets | 0.2209% | 5,948 |
| Noninterest expense to average assets | 1.5102% | 7,162 |
| Loan and lease loss provision to assets | 0.1985% | 4,202 |
| Net operating income to assets | 0.4147% | 4,794 |
| Return on assets (ROA) | 0.4474% | 4,865 |
| Pretax return on assets | 0.6142% | 4,645 |
| Return on Equity (ROE) | 2.8656% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.8656% | 4,211 |
| Net charge-offs to loans | 1.9466% | 723 |
| Credit loss provision to net charge-offs | 52.1849% | 5,372 |
| Earnings coverage of net charge-offs (x) | 2.0184% | 4,262 |
| Efficiency ratio | 66.2930% | 4,711 |
| Assets per employee ($millions) | 9.9813% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 6,815 |
| Loan loss allowance to noncurrent loans | 132.5328% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 6,680 |
| Noncurrent loans to loans | 0.5757% | 5,560 |
| Net loans and leases to total assets | 18.8311% | 7,222 |
| Net loans and leases to deposits | 23.9286% | 7,212 |
| Net loans and leases to core deposits | 24.5900% | 7,209 |
| Total domestic deposits to total assets | 78.6973% | 6,055 |
| Equity capital to assets | 15.8391% | 602 |
| Core capital (leverage) ratio | 14.9068% | 617 |
| Tier 1 risk-based capital ratio | 58.5791% | 99 |
| Total risk-based capital ratio | 59.1534% | 102 |
| Memoranda: | ||
| Average total assets | $415,045,000 | 1,569 |
| Average earning assets | $393,323,400 | 1,516 |
| Average equity | $64,803,800 | 1,042 |
| Average total loans | $81,117,000 | 4,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 7,167 |
| Cost of funding earning assets | 1.1657% | 2,526 |
| Net interest margin | 2.1706% | 7,263 |
| Noninterest income to average assets | 0.2593% | 5,767 |
| Noninterest expense to average assets | 1.5310% | 7,206 |
| Loan and lease loss provision to assets | 0.2631% | 3,403 |
| Net operating income to assets | 0.3532% | 5,195 |
| Return on assets (ROA) | 0.3523% | 5,377 |
| Pretax return on assets | 0.5188% | 5,093 |
| Return on Equity (ROE) | 2.2648% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.2648% | 4,992 |
| Net charge-offs to loans | 2.5256% | 428 |
| Credit loss provision to net charge-offs | 52.9145% | 4,974 |
| Earnings coverage of net charge-offs (x) | 1.5751% | 4,457 |
| Efficiency ratio | 66.1564% | 4,689 |
| Assets per employee ($millions) | 10.4001% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 6,839 |
| Loan loss allowance to noncurrent loans | 119.8113% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 6,733 |
| Noncurrent loans to loans | 0.6572% | 5,573 |
| Net loans and leases to total assets | 18.7630% | 7,299 |
| Net loans and leases to deposits | 24.6474% | 7,286 |
| Net loans and leases to core deposits | 25.4045% | 7,286 |
| Total domestic deposits to total assets | 76.1256% | 6,518 |
| Equity capital to assets | 15.4612% | 733 |
| Core capital (leverage) ratio | 14.9456% | 676 |
| Tier 1 risk-based capital ratio | 56.7145% | 123 |
| Total risk-based capital ratio | 57.3016% | 124 |
| Memoranda: | ||
| Average total assets | $414,002,500 | 1,581 |
| Average earning assets | $391,959,000 | 1,523 |
| Average equity | $64,404,750 | 1,051 |
| Average total loans | $81,508,750 | 4,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 7,217 |
| Cost of funding earning assets | 1.1836% | 2,686 |
| Net interest margin | 2.2082% | 7,312 |
| Noninterest income to average assets | 0.1181% | 6,740 |
| Noninterest expense to average assets | 1.5664% | 7,268 |
| Loan and lease loss provision to assets | 0.1303% | 4,664 |
| Net operating income to assets | 0.3602% | 5,126 |
| Return on assets (ROA) | 0.3582% | 5,279 |
| Pretax return on assets | 0.5070% | 5,047 |
| Return on Equity (ROE) | 2.2974% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.2974% | 4,831 |
| Net charge-offs to loans | 2.9561% | 353 |
| Credit loss provision to net charge-offs | 22.0844% | 5,106 |
| Earnings coverage of net charge-offs (x) | 1.0852% | 4,467 |
| Efficiency ratio | 70.9863% | 3,933 |
| Assets per employee ($millions) | 10.0313% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 7,212 |
| Loan loss allowance to noncurrent loans | 79.5455% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 6,774 |
| Noncurrent loans to loans | 0.6557% | 5,605 |
| Net loans and leases to total assets | 19.4758% | 7,373 |
| Net loans and leases to deposits | 24.8628% | 7,362 |
| Net loans and leases to core deposits | 25.5115% | 7,369 |
| Total domestic deposits to total assets | 78.3330% | 6,226 |
| Equity capital to assets | 15.7219% | 655 |
| Core capital (leverage) ratio | 14.8838% | 691 |
| Tier 1 risk-based capital ratio | 56.7003% | 121 |
| Total risk-based capital ratio | 57.0937% | 122 |
| Memoranda: | ||
| Average total assets | $409,869,000 | 1,603 |
| Average earning assets | $387,645,670 | 1,551 |
| Average equity | $63,897,330 | 1,058 |
| Average total loans | $81,798,000 | 4,160 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 7,266 |
| Cost of funding earning assets | 1.2094% | 2,754 |
| Net interest margin | 2.1891% | 7,359 |
| Noninterest income to average assets | 0.1222% | 6,805 |
| Noninterest expense to average assets | 1.6219% | 7,289 |
| Loan and lease loss provision to assets | 0.1114% | 4,621 |
| Net operating income to assets | 0.3486% | 5,180 |
| Return on assets (ROA) | 0.3441% | 5,281 |
| Pretax return on assets | 0.4517% | 5,180 |
| Return on Equity (ROE) | 2.2168% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.2168% | 4,814 |
| Net charge-offs to loans | 4.8328% | 156 |
| Credit loss provision to net charge-offs | 11.4458% | 4,369 |
| Earnings coverage of net charge-offs (x) | 0.5843% | 4,187 |
| Efficiency ratio | 74.0295% | 3,509 |
| Assets per employee ($millions) | 9.9480% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 7,201 |
| Loan loss allowance to noncurrent loans | 44.3213% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 6,515 |
| Noncurrent loans to loans | 1.3554% | 4,451 |
| Net loans and leases to total assets | 19.4728% | 7,427 |
| Net loans and leases to deposits | 24.5732% | 7,428 |
| Net loans and leases to core deposits | 25.1479% | 7,426 |
| Total domestic deposits to total assets | 79.2442% | 6,134 |
| Equity capital to assets | 15.5482% | 654 |
| Core capital (leverage) ratio | 14.6281% | 723 |
| Tier 1 risk-based capital ratio | 55.7966% | 125 |
| Total risk-based capital ratio | 56.2485% | 126 |
| Memoranda: | ||
| Average total assets | $409,161,000 | 1,617 |
| Average earning assets | $386,636,500 | 1,565 |
| Average equity | $63,515,000 | 1,057 |
| Average total loans | $82,436,500 | 4,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 7,359 |
| Cost of funding earning assets | 1.4807% | 2,754 |
| Net interest margin | 2.0907% | 7,434 |
| Noninterest income to average assets | 0.1198% | 6,808 |
| Noninterest expense to average assets | 1.4944% | 7,448 |
| Loan and lease loss provision to assets | 0.1196% | 5,962 |
| Net operating income to assets | 0.3208% | 4,863 |
| Return on assets (ROA) | 0.3219% | 5,024 |
| Pretax return on assets | 0.4894% | 4,655 |
| Return on Equity (ROE) | 2.0687% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.0687% | 4,432 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1067% | 3,975 |
| Assets per employee ($millions) | 9.5455% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,558 |
| Loan loss allowance to noncurrent loans | 80.1176% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 6,236 |
| Noncurrent loans to loans | 2.0007% | 3,564 |
| Net loans and leases to total assets | 20.3695% | 7,517 |
| Net loans and leases to deposits | 25.4232% | 7,517 |
| Net loans and leases to core deposits | 26.0494% | 7,510 |
| Total domestic deposits to total assets | 80.1219% | 5,798 |
| Equity capital to assets | 15.4984% | 677 |
| Core capital (leverage) ratio | 14.5578% | 739 |
| Tier 1 risk-based capital ratio | 54.4542% | 128 |
| Total risk-based capital ratio | 55.7048% | 126 |
| Memoranda: | ||
| Average total assets | $409,717,400 | 1,611 |
| Average earning assets | $388,387,400 | 1,552 |
| Average equity | $63,759,000 | 1,044 |
| Average total loans | $96,797,400 | 3,877 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 7,451 |
| Cost of funding earning assets | 1.5295% | 2,772 |
| Net interest margin | 2.1601% | 7,527 |
| Noninterest income to average assets | 0.1169% | 6,965 |
| Noninterest expense to average assets | 1.4683% | 7,562 |
| Loan and lease loss provision to assets | 0.1556% | 5,483 |
| Net operating income to assets | 0.3501% | 4,968 |
| Return on assets (ROA) | 0.3523% | 5,132 |
| Pretax return on assets | 0.5450% | 4,774 |
| Return on Equity (ROE) | 2.2613% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.2613% | 4,811 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7992% | 4,500 |
| Assets per employee ($millions) | 10.2487% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,548 |
| Loan loss allowance to noncurrent loans | 79.6460% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 6,390 |
| Noncurrent loans to loans | 1.4943% | 4,399 |
| Net loans and leases to total assets | 27.3397% | 7,518 |
| Net loans and leases to deposits | 34.4639% | 7,507 |
| Net loans and leases to core deposits | 35.2894% | 7,515 |
| Total domestic deposits to total assets | 79.3286% | 5,924 |
| Equity capital to assets | 15.8403% | 710 |
| Core capital (leverage) ratio | 14.7573% | 766 |
| Tier 1 risk-based capital ratio | 54.7943% | 132 |
| Total risk-based capital ratio | 56.0208% | 132 |
| Memoranda: | ||
| Average total assets | $409,532,750 | 1,643 |
| Average earning assets | $388,428,250 | 1,575 |
| Average equity | $63,795,250 | 1,046 |
| Average total loans | $99,754,250 | 3,866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 7,460 |
| Cost of funding earning assets | 1.5899% | 2,713 |
| Net interest margin | 2.2618% | 7,548 |
| Noninterest income to average assets | 0.1148% | 7,031 |
| Noninterest expense to average assets | 1.4485% | 7,638 |
| Loan and lease loss provision to assets | 0.1798% | 5,073 |
| Net operating income to assets | 0.4006% | 4,753 |
| Return on assets (ROA) | 0.4006% | 4,911 |
| Pretax return on assets | 0.6326% | 4,468 |
| Return on Equity (ROE) | 2.5862% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.5862% | 4,497 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0666% | 5,326 |
| Assets per employee ($millions) | 10.3521% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,796 |
| Loan loss allowance to noncurrent loans | 73.5469% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 6,430 |
| Noncurrent loans to loans | 1.7988% | 4,002 |
| Net loans and leases to total assets | 22.3354% | 7,661 |
| Net loans and leases to deposits | 28.3381% | 7,658 |
| Net loans and leases to core deposits | 28.9553% | 7,668 |
| Total domestic deposits to total assets | 78.8175% | 6,082 |
| Equity capital to assets | 15.7191% | 720 |
| Core capital (leverage) ratio | 14.8568% | 754 |
| Tier 1 risk-based capital ratio | 53.7726% | 138 |
| Total risk-based capital ratio | 54.8778% | 137 |
| Memoranda: | ||
| Average total assets | $409,394,000 | 1,660 |
| Average earning assets | $388,451,000 | 1,591 |
| Average equity | $63,414,670 | 1,051 |
| Average total loans | $95,196,000 | 4,035 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 7,481 |
| Cost of funding earning assets | 1.6597% | 2,601 |
| Net interest margin | 2.3124% | 7,589 |
| Noninterest income to average assets | 0.1179% | 7,103 |
| Noninterest expense to average assets | 1.5182% | 7,706 |
| Loan and lease loss provision to assets | 0.1258% | 5,318 |
| Net operating income to assets | 0.4324% | 4,700 |
| Return on assets (ROA) | 0.4324% | 4,834 |
| Pretax return on assets | 0.6672% | 4,345 |
| Return on Equity (ROE) | 2.8125% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.8125% | 4,445 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6888% | 5,188 |
| Assets per employee ($millions) | 9.9786% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 6,234 |
| Loan loss allowance to noncurrent loans | 51.8941% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 6,297 |
| Noncurrent loans to loans | 2.0223% | 3,760 |
| Net loans and leases to total assets | 23.0466% | 7,741 |
| Net loans and leases to deposits | 29.4337% | 7,737 |
| Net loans and leases to core deposits | 30.1066% | 7,745 |
| Total domestic deposits to total assets | 78.3000% | 6,244 |
| Equity capital to assets | 15.4674% | 774 |
| Core capital (leverage) ratio | 14.6164% | 826 |
| Tier 1 risk-based capital ratio | 51.8474% | 146 |
| Total risk-based capital ratio | 52.7280% | 146 |
| Memoranda: | ||
| Average total assets | $407,049,500 | 1,709 |
| Average earning assets | $386,089,000 | 1,643 |
| Average equity | $62,577,000 | 1,070 |
| Average total loans | $95,930,500 | 4,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 7,477 |
| Cost of funding earning assets | 2.3431% | 1,484 |
| Net interest margin | 2.0578% | 7,718 |
| Noninterest income to average assets | 0.1263% | 7,116 |
| Noninterest expense to average assets | 1.5362% | 7,801 |
| Loan and lease loss provision to assets | 0.0554% | 7,012 |
| Net operating income to assets | 0.3639% | 4,277 |
| Return on assets (ROA) | 0.4129% | 4,186 |
| Pretax return on assets | 0.5567% | 4,027 |
| Return on Equity (ROE) | 2.6813% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.6813% | 3,274 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7801% | 3,943 |
| Assets per employee ($millions) | 9.6423% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 6,798 |
| Loan loss allowance to noncurrent loans | 45.3930% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 6,266 |
| Noncurrent loans to loans | 1.9892% | 3,662 |
| Net loans and leases to total assets | 23.6311% | 7,815 |
| Net loans and leases to deposits | 29.9781% | 7,811 |
| Net loans and leases to core deposits | 37.0286% | 7,801 |
| Total domestic deposits to total assets | 78.8278% | 6,028 |
| Equity capital to assets | 15.2782% | 847 |
| Core capital (leverage) ratio | 14.3739% | 911 |
| Tier 1 risk-based capital ratio | 50.7637% | 157 |
| Total risk-based capital ratio | 51.5363% | 160 |
| Memoranda: | ||
| Average total assets | $400,602,400 | 1,716 |
| Average earning assets | $380,739,000 | 1,654 |
| Average equity | $61,685,800 | 1,072 |
| Average total loans | $99,010,400 | 3,982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 7,522 |
| Cost of funding earning assets | 2.4836% | 1,354 |
| Net interest margin | 2.0039% | 7,808 |
| Noninterest income to average assets | 0.1292% | 7,239 |
| Noninterest expense to average assets | 1.5585% | 7,861 |
| Loan and lease loss provision to assets | 0.0701% | 6,655 |
| Net operating income to assets | 0.3206% | 4,718 |
| Return on assets (ROA) | 0.3905% | 4,535 |
| Pretax return on assets | 0.4949% | 4,532 |
| Return on Equity (ROE) | 2.5308% | 4,973 |
| Retained earnings to average equity (ytd only) | 2.5308% | 3,904 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5825% | 3,405 |
| Assets per employee ($millions) | 9.5219% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 6,859 |
| Loan loss allowance to noncurrent loans | 59.5568% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 6,581 |
| Noncurrent loans to loans | 1.4707% | 4,479 |
| Net loans and leases to total assets | 24.3358% | 7,895 |
| Net loans and leases to deposits | 31.0368% | 7,894 |
| Net loans and leases to core deposits | 37.8382% | 7,880 |
| Total domestic deposits to total assets | 78.4095% | 5,975 |
| Equity capital to assets | 15.7644% | 836 |
| Core capital (leverage) ratio | 14.7533% | 905 |
| Tier 1 risk-based capital ratio | 51.8440% | 159 |
| Total risk-based capital ratio | 52.6092% | 161 |
| Memoranda: | ||
| Average total assets | $399,509,250 | 1,734 |
| Average earning assets | $379,983,500 | 1,672 |
| Average equity | $61,639,000 | 1,094 |
| Average total loans | $99,620,000 | 4,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 7,542 |
| Cost of funding earning assets | 2.6347% | 1,201 |
| Net interest margin | 1.9612% | 7,883 |
| Noninterest income to average assets | 0.1327% | 7,293 |
| Noninterest expense to average assets | 1.5665% | 7,932 |
| Loan and lease loss provision to assets | 0.0636% | 6,573 |
| Net operating income to assets | 0.3370% | 4,732 |
| Return on assets (ROA) | 0.3370% | 4,844 |
| Pretax return on assets | 0.3666% | 5,024 |
| Return on Equity (ROE) | 2.2004% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.2004% | 4,117 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4550% | 3,285 |
| Assets per employee ($millions) | 9.9723% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 7,130 |
| Loan loss allowance to noncurrent loans | 72.4813% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 6,803 |
| Noncurrent loans to loans | 1.1147% | 4,987 |
| Net loans and leases to total assets | 23.9135% | 7,996 |
| Net loans and leases to deposits | 30.0534% | 7,994 |
| Net loans and leases to core deposits | 37.0448% | 7,965 |
| Total domestic deposits to total assets | 79.5699% | 5,610 |
| Equity capital to assets | 15.3711% | 953 |
| Core capital (leverage) ratio | 14.3845% | 1,047 |
| Tier 1 risk-based capital ratio | 51.5515% | 178 |
| Total risk-based capital ratio | 52.2481% | 177 |
| Memoranda: | ||
| Average total assets | $399,372,000 | 1,762 |
| Average earning assets | $379,556,330 | 1,706 |
| Average equity | $61,170,330 | 1,116 |
| Average total loans | $100,098,670 | 4,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 7,499 |
| Cost of funding earning assets | 2.7304% | 1,178 |
| Net interest margin | 1.9772% | 7,906 |
| Noninterest income to average assets | 0.1351% | 7,330 |
| Noninterest expense to average assets | 1.4414% | 8,024 |
| Loan and lease loss provision to assets | 0.0120% | 6,689 |
| Net operating income to assets | 0.4885% | 4,475 |
| Return on assets (ROA) | 0.4885% | 4,666 |
| Pretax return on assets | 0.5605% | 4,879 |
| Return on Equity (ROE) | 3.1948% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.1948% | 4,097 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5706% | 4,255 |
| Assets per employee ($millions) | 10.3751% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 7,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 24.6724% | 8,027 |
| Net loans and leases to deposits | 31.2509% | 8,020 |
| Net loans and leases to core deposits | 38.4656% | 7,995 |
| Total domestic deposits to total assets | 78.9494% | 5,749 |
| Equity capital to assets | 15.3543% | 997 |
| Core capital (leverage) ratio | 14.5855% | 1,062 |
| Tier 1 risk-based capital ratio | 50.4666% | 199 |
| Total risk-based capital ratio | 51.0434% | 205 |
| Memoranda: | ||
| Average total assets | $399,612,000 | 1,765 |
| Average earning assets | $379,729,500 | 1,710 |
| Average equity | $61,098,500 | 1,123 |
| Average total loans | $102,065,000 | 3,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 7,697 |
| Cost of funding earning assets | 3.2036% | 1,180 |
| Net interest margin | 1.9757% | 8,076 |
| Noninterest income to average assets | 0.1243% | 7,494 |
| Noninterest expense to average assets | 1.3090% | 8,113 |
| Loan and lease loss provision to assets | 0.0277% | 7,055 |
| Net operating income to assets | 0.5719% | 4,432 |
| Return on assets (ROA) | -0.7212% | 6,977 |
| Pretax return on assets | -1.3526% | 7,188 |
| Return on Equity (ROE) | -4.7016% | 6,832 |
| Retained earnings to average equity (ytd only) | -4.7016% | 6,460 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2991% | 5,252 |
| Assets per employee ($millions) | 9.6242% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6272% | 7,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 26.0992% | 8,069 |
| Net loans and leases to deposits | 33.3704% | 8,072 |
| Net loans and leases to core deposits | 40.7111% | 8,039 |
| Total domestic deposits to total assets | 78.2108% | 5,642 |
| Equity capital to assets | 15.2230% | 1,108 |
| Core capital (leverage) ratio | 14.5762% | 1,126 |
| Tier 1 risk-based capital ratio | 49.3676% | 223 |
| Total risk-based capital ratio | 49.9373% | 227 |
| Memoranda: | ||
| Average total assets | $390,299,600 | 1,739 |
| Average earning assets | $371,455,200 | 1,677 |
| Average equity | $59,873,600 | 1,125 |
| Average total loans | $96,197,000 | 4,050 |