Home > Southcrest Bank > Performance and Condition Ratios
Southcrest Bank, Performance and Condition Ratios
| 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 | 3.2998% | 3,424 |
| Cost of funding earning assets | 0.3649% | 2,181 |
| Net interest margin | 2.9349% | 3,490 |
| Noninterest income to average assets | 0.5153% | 2,563 |
| Noninterest expense to average assets | 2.3918% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6982% | 3,770 |
| Return on assets (ROA) | 1.0318% | 2,859 |
| Pretax return on assets | 1.2708% | 2,706 |
| Return on Equity (ROE) | 11.2266% | 2,333 |
| Retained earnings to average equity (ytd only) | 11.2266% | 1,071 |
| Net charge-offs to loans | 0.0032% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 610.8000% | 221 |
| Efficiency ratio | 73.1332% | 1,328 |
| Assets per employee ($millions) | 7.3810% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,885 |
| Loan loss allowance to noncurrent loans | 100.0541% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 1,417 |
| Noncurrent loans to loans | 1.2074% | 996 |
| Net loans and leases to total assets | 42.2146% | 4,165 |
| Net loans and leases to deposits | 48.9389% | 4,165 |
| Net loans and leases to core deposits | 50.6700% | 4,206 |
| Total domestic deposits to total assets | 86.2600% | 2,645 |
| Equity capital to assets | 9.1363% | 3,671 |
| Core capital (leverage) ratio | 8.2399% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $711,023,333 | 1,287 |
| Average earning assets | $662,707,000 | 1,284 |
| Average equity | $65,344,667 | 1,428 |
| Average total loans | $315,552,333 | 1,677 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 3,440 |
| Cost of funding earning assets | 0.3696% | 2,357 |
| Net interest margin | 2.9345% | 3,427 |
| Noninterest income to average assets | 0.5007% | 2,611 |
| Noninterest expense to average assets | 2.3134% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7429% | 3,594 |
| Return on assets (ROA) | 1.1161% | 2,503 |
| Pretax return on assets | 1.3820% | 2,333 |
| Return on Equity (ROE) | 12.1082% | 1,981 |
| Retained earnings to average equity (ytd only) | 12.1082% | 1,116 |
| Net charge-offs to loans | -0.0087% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0646% | 1,601 |
| Assets per employee ($millions) | 7.1184% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 3,031 |
| Loan loss allowance to noncurrent loans | 132.4286% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 2,011 |
| Noncurrent loans to loans | 0.8914% | 1,520 |
| Net loans and leases to total assets | 44.0470% | 4,108 |
| Net loans and leases to deposits | 51.0795% | 4,101 |
| Net loans and leases to core deposits | 52.9414% | 4,147 |
| Total domestic deposits to total assets | 86.2323% | 2,655 |
| Equity capital to assets | 8.8176% | 3,863 |
| Core capital (leverage) ratio | 8.3252% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $708,555,000 | 1,274 |
| Average earning assets | $660,149,000 | 1,278 |
| Average equity | $65,311,000 | 1,424 |
| Average total loans | $320,360,500 | 1,666 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 3,243 |
| Cost of funding earning assets | 0.4637% | 3,195 |
| Net interest margin | 3.3574% | 2,909 |
| Noninterest income to average assets | 0.5804% | 2,304 |
| Noninterest expense to average assets | 2.6084% | 2,525 |
| Loan and lease loss provision to assets | 0.0970% | 3,130 |
| Net operating income to assets | 0.7981% | 3,101 |
| Return on assets (ROA) | 1.0343% | 2,306 |
| Pretax return on assets | 1.2616% | 2,113 |
| Return on Equity (ROE) | 10.2771% | 1,895 |
| Retained earnings to average equity (ytd only) | 10.2771% | 538 |
| Net charge-offs to loans | -0.0202% | 4,431 |
| Credit loss provision to net charge-offs | -895.5224% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9013% | 1,823 |
| Assets per employee ($millions) | 7.5786% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,296 |
| Loan loss allowance to noncurrent loans | 121.0733% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 2,089 |
| Noncurrent loans to loans | 0.9357% | 1,506 |
| Net loans and leases to total assets | 45.3270% | 4,172 |
| Net loans and leases to deposits | 54.1716% | 4,104 |
| Net loans and leases to core deposits | 56.0681% | 4,149 |
| Total domestic deposits to total assets | 83.6729% | 3,209 |
| Equity capital to assets | 9.6130% | 3,496 |
| Core capital (leverage) ratio | 9.1061% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,570,200 | 1,300 |
| Average earning assets | $570,892,200 | 1,306 |
| Average equity | $62,255,200 | 1,407 |
| Average total loans | $332,360,000 | 1,569 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 2,992 |
| Cost of funding earning assets | 0.4961% | 3,250 |
| Net interest margin | 3.4968% | 2,598 |
| Noninterest income to average assets | 0.5933% | 2,206 |
| Noninterest expense to average assets | 2.6327% | 2,439 |
| Loan and lease loss provision to assets | 0.1344% | 2,670 |
| Net operating income to assets | 0.8445% | 2,930 |
| Return on assets (ROA) | 1.1679% | 1,873 |
| Pretax return on assets | 1.4419% | 1,602 |
| Return on Equity (ROE) | 11.4508% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.4508% | 500 |
| Net charge-offs to loans | -0.0264% | 4,491 |
| Credit loss provision to net charge-offs | -909.0909% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1032% | 2,023 |
| Assets per employee ($millions) | 6.4428% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,013 |
| Loan loss allowance to noncurrent loans | 111.8501% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 1,948 |
| Noncurrent loans to loans | 1.0140% | 1,471 |
| Net loans and leases to total assets | 51.0842% | 4,024 |
| Net loans and leases to deposits | 62.3456% | 3,910 |
| Net loans and leases to core deposits | 64.5587% | 3,982 |
| Total domestic deposits to total assets | 81.9371% | 3,437 |
| Equity capital to assets | 10.4325% | 2,846 |
| Core capital (leverage) ratio | 9.4024% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $595,116,250 | 1,320 |
| Average earning assets | $547,414,750 | 1,331 |
| Average equity | $60,698,500 | 1,424 |
| Average total loans | $333,799,250 | 1,557 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,096 |
| Cost of funding earning assets | 0.5233% | 3,398 |
| Net interest margin | 3.5582% | 2,617 |
| Noninterest income to average assets | 0.5914% | 2,158 |
| Noninterest expense to average assets | 2.6819% | 2,440 |
| Loan and lease loss provision to assets | 0.2058% | 1,995 |
| Net operating income to assets | 0.7906% | 3,068 |
| Return on assets (ROA) | 0.9447% | 2,649 |
| Pretax return on assets | 1.1574% | 2,511 |
| Return on Equity (ROE) | 9.3396% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.3396% | 926 |
| Net charge-offs to loans | -0.2052% | 4,945 |
| Credit loss provision to net charge-offs | -173.9130% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5304% | 2,012 |
| Assets per employee ($millions) | 6.0821% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,634 |
| Loan loss allowance to noncurrent loans | 99.7743% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,720 |
| Noncurrent loans to loans | 1.1782% | 1,327 |
| Net loans and leases to total assets | 53.9197% | 3,882 |
| Net loans and leases to deposits | 65.8128% | 3,743 |
| Net loans and leases to core deposits | 68.8121% | 3,804 |
| Total domestic deposits to total assets | 81.9289% | 3,391 |
| Equity capital to assets | 10.3162% | 2,916 |
| Core capital (leverage) ratio | 8.9927% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $583,023,333 | 1,324 |
| Average earning assets | $535,102,667 | 1,337 |
| Average equity | $58,974,667 | 1,444 |
| Average total loans | $336,318,000 | 1,528 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 3,393 |
| Cost of funding earning assets | 0.5482% | 3,706 |
| Net interest margin | 3.5958% | 2,676 |
| Noninterest income to average assets | 0.6741% | 1,755 |
| Noninterest expense to average assets | 2.9067% | 2,102 |
| Loan and lease loss provision to assets | 0.1063% | 2,355 |
| Net operating income to assets | 0.7511% | 3,089 |
| Return on assets (ROA) | 0.7690% | 3,100 |
| Pretax return on assets | 0.9703% | 2,933 |
| Return on Equity (ROE) | 7.6865% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.6865% | 1,321 |
| Net charge-offs to loans | 0.0060% | 2,359 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 297.4000% | 241 |
| Efficiency ratio | 73.3894% | 1,893 |
| Assets per employee ($millions) | 5.5305% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 3,946 |
| Loan loss allowance to noncurrent loans | 78.2234% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 1,698 |
| Noncurrent loans to loans | 1.2096% | 1,353 |
| Net loans and leases to total assets | 57.8617% | 3,681 |
| Net loans and leases to deposits | 70.9392% | 3,519 |
| Net loans and leases to core deposits | 74.4505% | 3,608 |
| Total domestic deposits to total assets | 81.5652% | 3,533 |
| Equity capital to assets | 10.0405% | 3,744 |
| Core capital (leverage) ratio | 9.6622% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,349,000 | 1,326 |
| Average earning assets | $515,824,000 | 1,337 |
| Average equity | $56,462,500 | 1,494 |
| Average total loans | $335,236,000 | 1,502 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 3,028 |
| Cost of funding earning assets | 0.5844% | 3,700 |
| Net interest margin | 3.8903% | 2,215 |
| Noninterest income to average assets | 0.7659% | 1,563 |
| Noninterest expense to average assets | 3.0773% | 1,819 |
| Loan and lease loss provision to assets | 0.0072% | 3,861 |
| Net operating income to assets | 0.9241% | 3,113 |
| Return on assets (ROA) | 0.9343% | 3,157 |
| Pretax return on assets | 1.2068% | 2,818 |
| Return on Equity (ROE) | 9.2657% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.2657% | 650 |
| Net charge-offs to loans | 0.0130% | 3,224 |
| Credit loss provision to net charge-offs | 92.8571% | 2,615 |
| Earnings coverage of net charge-offs (x) | 153.9762% | 486 |
| Efficiency ratio | 71.8930% | 1,884 |
| Assets per employee ($millions) | 5.2717% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 3,928 |
| Loan loss allowance to noncurrent loans | 71.0872% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 1,489 |
| Noncurrent loans to loans | 1.2760% | 1,180 |
| Net loans and leases to total assets | 59.8806% | 3,594 |
| Net loans and leases to deposits | 71.1638% | 3,575 |
| Net loans and leases to core deposits | 73.8809% | 3,731 |
| Total domestic deposits to total assets | 84.1447% | 2,806 |
| Equity capital to assets | 9.9679% | 3,952 |
| Core capital (leverage) ratio | 9.6322% | 3,922 |
| Tier 1 risk-based capital ratio | 13.4285% | 3,562 |
| Total risk-based capital ratio | 14.2208% | 3,683 |
| Memoranda: | ||
| Average total assets | $538,456,000 | 1,333 |
| Average earning assets | $486,157,600 | 1,366 |
| Average equity | $54,296,800 | 1,487 |
| Average total loans | $323,089,000 | 1,518 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 3,178 |
| Cost of funding earning assets | 0.5987% | 3,706 |
| Net interest margin | 3.8608% | 2,399 |
| Noninterest income to average assets | 0.7501% | 1,595 |
| Noninterest expense to average assets | 3.0492% | 1,832 |
| Loan and lease loss provision to assets | 0.0097% | 3,700 |
| Net operating income to assets | 0.9051% | 3,327 |
| Return on assets (ROA) | 0.9189% | 3,356 |
| Pretax return on assets | 1.1855% | 3,027 |
| Return on Equity (ROE) | 9.0855% | 2,853 |
| Retained earnings to average equity (ytd only) | 9.0855% | 1,019 |
| Net charge-offs to loans | 0.0037% | 3,276 |
| Credit loss provision to net charge-offs | 433.3333% | 710 |
| Earnings coverage of net charge-offs (x) | 524.7650% | 185 |
| Efficiency ratio | 72.0901% | 1,826 |
| Assets per employee ($millions) | 5.0685% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,938 |
| Loan loss allowance to noncurrent loans | 58.5273% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 1,334 |
| Noncurrent loans to loans | 1.5833% | 931 |
| Net loans and leases to total assets | 62.8295% | 3,406 |
| Net loans and leases to deposits | 76.0031% | 3,290 |
| Net loans and leases to core deposits | 78.6947% | 3,493 |
| Total domestic deposits to total assets | 82.6670% | 3,261 |
| Equity capital to assets | 10.3431% | 3,679 |
| Core capital (leverage) ratio | 9.6506% | 4,026 |
| Tier 1 risk-based capital ratio | 12.7515% | 3,991 |
| Total risk-based capital ratio | 13.5381% | 4,143 |
| Memoranda: | ||
| Average total assets | $534,688,750 | 1,346 |
| Average earning assets | $481,506,000 | 1,380 |
| Average equity | $54,077,250 | 1,492 |
| Average total loans | $320,239,250 | 1,541 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 3,193 |
| Cost of funding earning assets | 0.6201% | 3,552 |
| Net interest margin | 3.8261% | 2,495 |
| Noninterest income to average assets | 0.6955% | 1,736 |
| Noninterest expense to average assets | 3.0852% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8195% | 3,589 |
| Return on assets (ROA) | 0.8310% | 3,603 |
| Pretax return on assets | 1.0688% | 3,326 |
| Return on Equity (ROE) | 8.2767% | 3,170 |
| Retained earnings to average equity (ytd only) | 8.2767% | 1,287 |
| Net charge-offs to loans | 0.0095% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 189.4000% | 405 |
| Efficiency ratio | 74.4576% | 1,587 |
| Assets per employee ($millions) | 4.9697% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 3,854 |
| Loan loss allowance to noncurrent loans | 52.3834% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 1,096 |
| Noncurrent loans to loans | 1.8257% | 821 |
| Net loans and leases to total assets | 59.4099% | 3,795 |
| Net loans and leases to deposits | 72.3123% | 3,661 |
| Net loans and leases to core deposits | 74.4671% | 3,864 |
| Total domestic deposits to total assets | 82.1574% | 3,468 |
| Equity capital to assets | 10.8451% | 3,232 |
| Core capital (leverage) ratio | 9.9549% | 3,635 |
| Tier 1 risk-based capital ratio | 13.8751% | 3,383 |
| Total risk-based capital ratio | 14.6695% | 3,522 |
| Memoranda: | ||
| Average total assets | $538,899,670 | 1,342 |
| Average earning assets | $485,083,330 | 1,370 |
| Average equity | $54,104,000 | 1,486 |
| Average total loans | $316,628,000 | 1,556 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 3,035 |
| Cost of funding earning assets | 0.6087% | 3,521 |
| Net interest margin | 3.8459% | 2,362 |
| Noninterest income to average assets | 0.7113% | 1,574 |
| Noninterest expense to average assets | 3.0630% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8705% | 3,349 |
| Return on assets (ROA) | 0.8705% | 3,399 |
| Pretax return on assets | 1.1076% | 3,127 |
| Return on Equity (ROE) | 9.0206% | 2,802 |
| Retained earnings to average equity (ytd only) | 9.0206% | 1,313 |
| Net charge-offs to loans | 0.0934% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.3919% | 1,559 |
| Efficiency ratio | 73.3545% | 1,834 |
| Assets per employee ($millions) | 5.1522% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,994 |
| Loan loss allowance to noncurrent loans | 61.4093% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 1,379 |
| Noncurrent loans to loans | 1.5308% | 1,053 |
| Net loans and leases to total assets | 57.7136% | 3,921 |
| Net loans and leases to deposits | 68.7977% | 3,855 |
| Net loans and leases to core deposits | 70.8351% | 4,017 |
| Total domestic deposits to total assets | 83.8888% | 3,082 |
| Equity capital to assets | 10.0047% | 3,820 |
| Core capital (leverage) ratio | 9.5213% | 4,107 |
| Tier 1 risk-based capital ratio | 13.4274% | 3,650 |
| Total risk-based capital ratio | 14.2026% | 3,799 |
| Memoranda: | ||
| Average total assets | $544,954,000 | 1,323 |
| Average earning assets | $490,185,500 | 1,365 |
| Average equity | $52,590,500 | 1,509 |
| Average total loans | $316,948,000 | 1,568 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 3,184 |
| Cost of funding earning assets | 0.4645% | 3,582 |
| Net interest margin | 3.8150% | 2,615 |
| Noninterest income to average assets | 0.7635% | 1,591 |
| Noninterest expense to average assets | 3.2391% | 1,454 |
| Loan and lease loss provision to assets | 0.0313% | 3,557 |
| Net operating income to assets | 0.7368% | 4,015 |
| Return on assets (ROA) | 0.7266% | 4,058 |
| Pretax return on assets | 0.9091% | 3,873 |
| Return on Equity (ROE) | 8.1602% | 3,374 |
| Retained earnings to average equity (ytd only) | 8.1602% | 1,168 |
| Net charge-offs to loans | -0.0166% | 4,638 |
| Credit loss provision to net charge-offs | -335.2941% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1707% | 1,217 |
| Assets per employee ($millions) | 5.1785% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,948 |
| Loan loss allowance to noncurrent loans | 63.5622% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 1,339 |
| Noncurrent loans to loans | 1.4992% | 1,017 |
| Net loans and leases to total assets | 57.5079% | 4,009 |
| Net loans and leases to deposits | 67.7704% | 3,996 |
| Net loans and leases to core deposits | 69.2213% | 4,154 |
| Total domestic deposits to total assets | 84.8569% | 2,705 |
| Equity capital to assets | 9.3013% | 4,320 |
| Core capital (leverage) ratio | 9.1664% | 4,491 |
| Tier 1 risk-based capital ratio | 12.8617% | 3,927 |
| Total risk-based capital ratio | 13.6473% | 4,069 |
| Memoranda: | ||
| Average total assets | $546,134,600 | 1,301 |
| Average earning assets | $490,853,400 | 1,337 |
| Average equity | $48,626,200 | 1,552 |
| Average total loans | $307,658,800 | 1,567 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 3,192 |
| Cost of funding earning assets | 0.4221% | 3,712 |
| Net interest margin | 3.8119% | 2,603 |
| Noninterest income to average assets | 0.7468% | 1,688 |
| Noninterest expense to average assets | 3.3078% | 1,284 |
| Loan and lease loss provision to assets | 0.0418% | 3,156 |
| Net operating income to assets | 0.6522% | 4,363 |
| Return on assets (ROA) | 0.6524% | 4,376 |
| Pretax return on assets | 0.8233% | 4,236 |
| Return on Equity (ROE) | 7.4109% | 3,784 |
| Retained earnings to average equity (ytd only) | 7.4109% | 1,924 |
| Net charge-offs to loans | -0.0302% | 4,753 |
| Credit loss provision to net charge-offs | -247.8261% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1798% | 1,018 |
| Assets per employee ($millions) | 4.9268% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,024 |
| Loan loss allowance to noncurrent loans | 52.1509% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 1,148 |
| Noncurrent loans to loans | 1.8357% | 834 |
| Net loans and leases to total assets | 58.3194% | 4,004 |
| Net loans and leases to deposits | 71.7523% | 3,792 |
| Net loans and leases to core deposits | 73.3158% | 3,993 |
| Total domestic deposits to total assets | 81.2788% | 3,795 |
| Equity capital to assets | 8.9054% | 4,636 |
| Core capital (leverage) ratio | 9.0014% | 4,700 |
| Tier 1 risk-based capital ratio | 12.3620% | 4,276 |
| Total risk-based capital ratio | 13.1459% | 4,436 |
| Memoranda: | ||
| Average total assets | $545,437,500 | 1,299 |
| Average earning assets | $490,206,750 | 1,340 |
| Average equity | $48,018,500 | 1,567 |
| Average total loans | $304,895,750 | 1,585 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,194 |
| Cost of funding earning assets | 0.3930% | 3,775 |
| Net interest margin | 3.7807% | 2,632 |
| Noninterest income to average assets | 0.7274% | 1,753 |
| Noninterest expense to average assets | 3.2931% | 1,340 |
| Loan and lease loss provision to assets | 0.0457% | 2,990 |
| Net operating income to assets | 0.6287% | 4,411 |
| Return on assets (ROA) | 0.6290% | 4,415 |
| Pretax return on assets | 0.7856% | 4,293 |
| Return on Equity (ROE) | 7.1719% | 3,845 |
| Retained earnings to average equity (ytd only) | 7.1719% | 1,991 |
| Net charge-offs to loans | -0.0613% | 4,985 |
| Credit loss provision to net charge-offs | -135.8696% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7533% | 1,039 |
| Assets per employee ($millions) | 4.6486% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,847 |
| Loan loss allowance to noncurrent loans | 45.0386% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 971 |
| Noncurrent loans to loans | 2.2187% | 626 |
| Net loans and leases to total assets | 55.7062% | 4,189 |
| Net loans and leases to deposits | 66.9341% | 4,105 |
| Net loans and leases to core deposits | 68.3647% | 4,232 |
| Total domestic deposits to total assets | 83.2253% | 3,347 |
| Equity capital to assets | 8.8990% | 4,642 |
| Core capital (leverage) ratio | 8.6445% | 5,001 |
| Tier 1 risk-based capital ratio | 12.5611% | 4,145 |
| Total risk-based capital ratio | 13.3728% | 4,299 |
| Memoranda: | ||
| Average total assets | $546,602,330 | 1,297 |
| Average earning assets | $491,073,670 | 1,335 |
| Average equity | $47,937,330 | 1,572 |
| Average total loans | $300,156,670 | 1,604 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,078 |
| Cost of funding earning assets | 0.3722% | 3,809 |
| Net interest margin | 3.7710% | 2,540 |
| Noninterest income to average assets | 0.7560% | 1,598 |
| Noninterest expense to average assets | 3.2849% | 1,376 |
| Loan and lease loss provision to assets | 0.0909% | 1,988 |
| Net operating income to assets | 0.6142% | 4,380 |
| Return on assets (ROA) | 0.6142% | 4,390 |
| Pretax return on assets | 0.7683% | 4,226 |
| Return on Equity (ROE) | 7.0545% | 3,764 |
| Retained earnings to average equity (ytd only) | 7.0545% | 2,255 |
| Net charge-offs to loans | -0.1112% | 5,239 |
| Credit loss provision to net charge-offs | -150.6024% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1791% | 1,237 |
| Assets per employee ($millions) | 4.8066% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,034 |
| Loan loss allowance to noncurrent loans | 55.8058% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 996 |
| Noncurrent loans to loans | 1.7691% | 965 |
| Net loans and leases to total assets | 54.3755% | 4,250 |
| Net loans and leases to deposits | 67.6247% | 3,974 |
| Net loans and leases to core deposits | 70.3342% | 4,067 |
| Total domestic deposits to total assets | 80.4077% | 4,341 |
| Equity capital to assets | 8.4920% | 4,980 |
| Core capital (leverage) ratio | 8.4628% | 5,164 |
| Tier 1 risk-based capital ratio | 11.9755% | 4,559 |
| Total risk-based capital ratio | 12.7704% | 4,745 |
| Memoranda: | ||
| Average total assets | $550,282,500 | 1,303 |
| Average earning assets | $494,403,000 | 1,341 |
| Average equity | $47,912,500 | 1,582 |
| Average total loans | $298,523,500 | 1,608 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,529 |
| Cost of funding earning assets | 0.2470% | 4,590 |
| Net interest margin | 3.7137% | 2,742 |
| Noninterest income to average assets | 1.0653% | 897 |
| Noninterest expense to average assets | 3.3037% | 1,372 |
| Loan and lease loss provision to assets | 0.0325% | 3,618 |
| Net operating income to assets | 0.0380% | 5,320 |
| Return on assets (ROA) | 0.0585% | 5,304 |
| Pretax return on assets | 1.0513% | 3,377 |
| Return on Equity (ROE) | 0.5619% | 5,301 |
| Retained earnings to average equity (ytd only) | 0.5619% | 4,816 |
| Net charge-offs to loans | 0.0415% | 2,953 |
| Credit loss provision to net charge-offs | 144.2623% | 1,841 |
| Earnings coverage of net charge-offs (x) | 46.6803% | 1,148 |
| Efficiency ratio | 75.7568% | 1,658 |
| Assets per employee ($millions) | 4.6811% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,112 |
| Loan loss allowance to noncurrent loans | 50.5931% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 903 |
| Noncurrent loans to loans | 1.9130% | 811 |
| Net loans and leases to total assets | 53.0443% | 4,439 |
| Net loans and leases to deposits | 64.7040% | 4,282 |
| Net loans and leases to core deposits | 67.3101% | 4,338 |
| Total domestic deposits to total assets | 81.9798% | 3,876 |
| Equity capital to assets | 8.9276% | 4,788 |
| Core capital (leverage) ratio | 8.2740% | 5,304 |
| Tier 1 risk-based capital ratio | 12.2204% | 4,384 |
| Total risk-based capital ratio | 12.9951% | 4,573 |
| Memoranda: | ||
| Average total assets | $541,541,000 | 1,295 |
| Average earning assets | $479,760,400 | 1,357 |
| Average equity | $56,411,000 | 1,387 |
| Average total loans | $294,076,600 | 1,595 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,540 |
| Cost of funding earning assets | 0.2210% | 4,802 |
| Net interest margin | 3.7221% | 2,682 |
| Noninterest income to average assets | 1.4568% | 506 |
| Noninterest expense to average assets | 3.2627% | 1,431 |
| Loan and lease loss provision to assets | 0.0434% | 3,235 |
| Net operating income to assets | 0.9384% | 2,841 |
| Return on assets (ROA) | 0.9663% | 2,759 |
| Pretax return on assets | 1.4792% | 1,847 |
| Return on Equity (ROE) | 8.9550% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.9550% | 856 |
| Net charge-offs to loans | 0.0583% | 2,291 |
| Credit loss provision to net charge-offs | 136.4341% | 1,806 |
| Earnings coverage of net charge-offs (x) | 46.5570% | 1,170 |
| Efficiency ratio | 68.7049% | 2,754 |
| Assets per employee ($millions) | 4.6652% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 4,302 |
| Loan loss allowance to noncurrent loans | 62.9596% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 1,328 |
| Noncurrent loans to loans | 1.5163% | 1,231 |
| Net loans and leases to total assets | 54.7774% | 4,344 |
| Net loans and leases to deposits | 67.8545% | 4,123 |
| Net loans and leases to core deposits | 70.6715% | 4,204 |
| Total domestic deposits to total assets | 80.7277% | 4,126 |
| Equity capital to assets | 11.2697% | 2,601 |
| Core capital (leverage) ratio | 9.9960% | 3,567 |
| Tier 1 risk-based capital ratio | 14.4652% | 3,203 |
| Total risk-based capital ratio | 15.2443% | 3,361 |
| Memoranda: | ||
| Average total assets | $541,175,500 | 1,309 |
| Average earning assets | $477,712,000 | 1,374 |
| Average equity | $58,394,500 | 1,354 |
| Average total loans | $294,884,000 | 1,601 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,564 |
| Cost of funding earning assets | 0.2075% | 4,909 |
| Net interest margin | 3.6874% | 2,694 |
| Noninterest income to average assets | 1.1024% | 825 |
| Noninterest expense to average assets | 3.2402% | 1,496 |
| Loan and lease loss provision to assets | 0.0647% | 2,676 |
| Net operating income to assets | 0.6994% | 3,857 |
| Return on assets (ROA) | 0.7367% | 3,748 |
| Pretax return on assets | 1.1119% | 3,128 |
| Return on Equity (ROE) | 6.9280% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.9280% | 1,629 |
| Net charge-offs to loans | 0.0454% | 2,303 |
| Credit loss provision to net charge-offs | 262.6866% | 1,048 |
| Earnings coverage of net charge-offs (x) | 45.4925% | 1,152 |
| Efficiency ratio | 74.2120% | 1,968 |
| Assets per employee ($millions) | 4.3500% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,377 |
| Loan loss allowance to noncurrent loans | 72.8242% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 1,489 |
| Noncurrent loans to loans | 1.3157% | 1,470 |
| Net loans and leases to total assets | 55.9014% | 4,236 |
| Net loans and leases to deposits | 63.0882% | 4,427 |
| Net loans and leases to core deposits | 65.5192% | 4,504 |
| Total domestic deposits to total assets | 88.6084% | 1,156 |
| Equity capital to assets | 10.9808% | 2,828 |
| Core capital (leverage) ratio | 9.3122% | 4,354 |
| Tier 1 risk-based capital ratio | 13.6169% | 3,629 |
| Total risk-based capital ratio | 14.4158% | 3,809 |
| Memoranda: | ||
| Average total assets | $544,290,000 | 1,311 |
| Average earning assets | $480,883,000 | 1,368 |
| Average equity | $57,880,670 | 1,366 |
| Average total loans | $295,134,670 | 1,602 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 3,472 |
| Cost of funding earning assets | 0.2047% | 4,937 |
| Net interest margin | 3.6735% | 2,587 |
| Noninterest income to average assets | 1.0300% | 948 |
| Noninterest expense to average assets | 3.2271% | 1,531 |
| Loan and lease loss provision to assets | 0.0769% | 2,277 |
| Net operating income to assets | 0.6551% | 3,912 |
| Return on assets (ROA) | 0.7099% | 3,703 |
| Pretax return on assets | 1.0503% | 3,171 |
| Return on Equity (ROE) | 6.7818% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.7818% | 1,939 |
| Net charge-offs to loans | 0.1024% | 1,355 |
| Credit loss provision to net charge-offs | 141.3333% | 1,257 |
| Earnings coverage of net charge-offs (x) | 19.2267% | 1,537 |
| Efficiency ratio | 75.3906% | 2,001 |
| Assets per employee ($millions) | 4.4572% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,522 |
| Loan loss allowance to noncurrent loans | 68.7854% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 1,423 |
| Noncurrent loans to loans | 1.3882% | 1,453 |
| Net loans and leases to total assets | 53.2548% | 4,396 |
| Net loans and leases to deposits | 59.6929% | 4,585 |
| Net loans and leases to core deposits | 61.5674% | 4,685 |
| Total domestic deposits to total assets | 89.2147% | 1,046 |
| Equity capital to assets | 10.3868% | 3,310 |
| Core capital (leverage) ratio | 8.8707% | 4,881 |
| Tier 1 risk-based capital ratio | 13.3739% | 3,847 |
| Total risk-based capital ratio | 14.1613% | 4,033 |
| Memoranda: | ||
| Average total assets | $551,086,500 | 1,303 |
| Average earning assets | $486,618,000 | 1,354 |
| Average equity | $57,683,500 | 1,362 |
| Average total loans | $292,933,500 | 1,618 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 3,701 |
| Cost of funding earning assets | 0.2177% | 4,857 |
| Net interest margin | 3.6461% | 2,903 |
| Noninterest income to average assets | 0.9066% | 1,394 |
| Noninterest expense to average assets | 3.4888% | 1,183 |
| Loan and lease loss provision to assets | 0.0261% | 3,828 |
| Net operating income to assets | 1.9644% | 347 |
| Return on assets (ROA) | 1.9770% | 353 |
| Pretax return on assets | 0.6137% | 4,747 |
| Return on Equity (ROE) | 19.5048% | 233 |
| Retained earnings to average equity (ytd only) | 19.5048% | 52 |
| Net charge-offs to loans | 0.1501% | 1,762 |
| Credit loss provision to net charge-offs | 33.4884% | 3,553 |
| Earnings coverage of net charge-offs (x) | 8.0581% | 2,932 |
| Efficiency ratio | 84.6245% | 953 |
| Assets per employee ($millions) | 4.5770% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 4,619 |
| Loan loss allowance to noncurrent loans | 70.2366% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3243% | 1,318 |
| Noncurrent loans to loans | 1.3394% | 1,533 |
| Net loans and leases to total assets | 52.0646% | 4,604 |
| Net loans and leases to deposits | 58.4376% | 4,761 |
| Net loans and leases to core deposits | 60.3236% | 4,849 |
| Total domestic deposits to total assets | 89.0943% | 1,068 |
| Equity capital to assets | 10.5455% | 3,103 |
| Core capital (leverage) ratio | 9.2636% | 4,387 |
| Tier 1 risk-based capital ratio | 13.5638% | 3,732 |
| Total risk-based capital ratio | 14.3125% | 3,938 |
| Memoranda: | ||
| Average total assets | $552,592,000 | 1,254 |
| Average earning assets | $486,381,000 | 1,302 |
| Average equity | $56,011,800 | 1,373 |
| Average total loans | $286,397,200 | 1,584 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 3,697 |
| Cost of funding earning assets | 0.2230% | 4,853 |
| Net interest margin | 3.6469% | 2,903 |
| Noninterest income to average assets | 1.0083% | 1,132 |
| Noninterest expense to average assets | 3.5424% | 1,073 |
| Loan and lease loss provision to assets | 0.0121% | 4,006 |
| Net operating income to assets | 2.4651% | 162 |
| Return on assets (ROA) | 2.4821% | 165 |
| Pretax return on assets | 0.6798% | 4,668 |
| Return on Equity (ROE) | 24.7401% | 86 |
| Retained earnings to average equity (ytd only) | 24.7401% | 31 |
| Net charge-offs to loans | 0.1878% | 1,241 |
| Credit loss provision to net charge-offs | 12.4688% | 3,350 |
| Earnings coverage of net charge-offs (x) | 6.9577% | 2,939 |
| Efficiency ratio | 83.8525% | 1,005 |
| Assets per employee ($millions) | 4.4022% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,559 |
| Loan loss allowance to noncurrent loans | 74.6194% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 2,505 |
| Noncurrent loans to loans | 1.3007% | 1,713 |
| Net loans and leases to total assets | 50.8007% | 4,760 |
| Net loans and leases to deposits | 57.6196% | 4,899 |
| Net loans and leases to core deposits | 59.5963% | 4,954 |
| Total domestic deposits to total assets | 88.1657% | 1,310 |
| Equity capital to assets | 11.2321% | 2,759 |
| Core capital (leverage) ratio | 9.3132% | 4,443 |
| Tier 1 risk-based capital ratio | 14.2598% | 3,424 |
| Total risk-based capital ratio | 15.0388% | 3,605 |
| Memoranda: | ||
| Average total assets | $551,142,750 | 1,260 |
| Average earning assets | $484,967,500 | 1,311 |
| Average equity | $55,293,500 | 1,399 |
| Average total loans | $284,625,500 | 1,594 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 3,598 |
| Cost of funding earning assets | 0.2324% | 4,825 |
| Net interest margin | 3.6705% | 2,825 |
| Noninterest income to average assets | 1.0354% | 1,044 |
| Noninterest expense to average assets | 3.5421% | 1,098 |
| Loan and lease loss provision to assets | 0.0180% | 3,769 |
| Net operating income to assets | 3.4937% | 68 |
| Return on assets (ROA) | 3.4407% | 71 |
| Pretax return on assets | 0.6479% | 4,766 |
| Return on Equity (ROE) | 35.6844% | 26 |
| Retained earnings to average equity (ytd only) | 35.6844% | 13 |
| Net charge-offs to loans | 0.1987% | 1,151 |
| Credit loss provision to net charge-offs | 17.5439% | 2,948 |
| Earnings coverage of net charge-offs (x) | 6.9930% | 2,680 |
| Efficiency ratio | 82.9904% | 1,147 |
| Assets per employee ($millions) | 4.3061% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,527 |
| Loan loss allowance to noncurrent loans | 81.6967% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 2,296 |
| Noncurrent loans to loans | 1.2238% | 1,874 |
| Net loans and leases to total assets | 50.9152% | 4,772 |
| Net loans and leases to deposits | 57.5760% | 4,925 |
| Net loans and leases to core deposits | 59.5824% | 4,997 |
| Total domestic deposits to total assets | 88.4313% | 1,211 |
| Equity capital to assets | 11.0666% | 2,981 |
| Core capital (leverage) ratio | 8.9955% | 4,837 |
| Tier 1 risk-based capital ratio | 13.2070% | 4,071 |
| Total risk-based capital ratio | 13.9752% | 4,275 |
| Memoranda: | ||
| Average total assets | $554,368,000 | 1,261 |
| Average earning assets | $487,176,330 | 1,310 |
| Average equity | $53,452,000 | 1,444 |
| Average total loans | $286,912,330 | 1,584 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 3,778 |
| Cost of funding earning assets | 0.2396% | 4,811 |
| Net interest margin | 3.6080% | 3,052 |
| Noninterest income to average assets | 1.0191% | 1,035 |
| Noninterest expense to average assets | 3.7433% | 850 |
| Loan and lease loss provision to assets | 0.0358% | 3,182 |
| Net operating income to assets | 0.4666% | 4,753 |
| Return on assets (ROA) | 0.6500% | 4,096 |
| Pretax return on assets | 0.6500% | 4,679 |
| Return on Equity (ROE) | 7.2679% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.2679% | 1,763 |
| Net charge-offs to loans | 0.1118% | 1,455 |
| Credit loss provision to net charge-offs | 61.7284% | 1,968 |
| Earnings coverage of net charge-offs (x) | 8.6543% | 2,037 |
| Efficiency ratio | 88.0317% | 817 |
| Assets per employee ($millions) | 4.2156% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 4,243 |
| Loan loss allowance to noncurrent loans | 57.1320% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 1,815 |
| Noncurrent loans to loans | 1.8685% | 1,184 |
| Net loans and leases to total assets | 50.6128% | 4,748 |
| Net loans and leases to deposits | 56.0157% | 4,986 |
| Net loans and leases to core deposits | 57.9824% | 5,050 |
| Total domestic deposits to total assets | 90.3545% | 481 |
| Equity capital to assets | 9.1810% | 5,006 |
| Core capital (leverage) ratio | 8.4566% | 5,430 |
| Tier 1 risk-based capital ratio | 13.1420% | 4,166 |
| Total risk-based capital ratio | 13.9996% | 4,336 |
| Memoranda: | ||
| Average total assets | $558,117,000 | 1,259 |
| Average earning assets | $499,119,000 | 1,289 |
| Average equity | $49,918,000 | 1,531 |
| Average total loans | $289,742,500 | 1,563 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,462 |
| Cost of funding earning assets | 0.2530% | 4,749 |
| Net interest margin | 3.7087% | 2,721 |
| Noninterest income to average assets | 1.2291% | 791 |
| Noninterest expense to average assets | 4.3811% | 441 |
| Loan and lease loss provision to assets | 0.1061% | 2,216 |
| Net operating income to assets | 0.0369% | 5,836 |
| Return on assets (ROA) | 0.1673% | 5,694 |
| Pretax return on assets | 0.1673% | 5,731 |
| Return on Equity (ROE) | 1.8956% | 5,592 |
| Retained earnings to average equity (ytd only) | 1.8956% | 4,645 |
| Net charge-offs to loans | 0.4164% | 689 |
| Credit loss provision to net charge-offs | 48.5974% | 3,424 |
| Earnings coverage of net charge-offs (x) | 0.6551% | 4,196 |
| Efficiency ratio | 96.7115% | 375 |
| Assets per employee ($millions) | 3.6862% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,461 |
| Loan loss allowance to noncurrent loans | 55.4302% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3800% | 1,516 |
| Noncurrent loans to loans | 1.8511% | 1,162 |
| Net loans and leases to total assets | 52.1137% | 4,684 |
| Net loans and leases to deposits | 57.4567% | 4,948 |
| Net loans and leases to core deposits | 59.4228% | 5,017 |
| Total domestic deposits to total assets | 90.7008% | 377 |
| Equity capital to assets | 8.7119% | 5,380 |
| Core capital (leverage) ratio | 8.3299% | 5,580 |
| Tier 1 risk-based capital ratio | 12.1321% | 4,865 |
| Total risk-based capital ratio | 12.9356% | 5,057 |
| Memoranda: | ||
| Average total assets | $555,206,600 | 1,226 |
| Average earning assets | $493,278,800 | 1,266 |
| Average equity | $49,009,400 | 1,528 |
| Average total loans | $291,071,000 | 1,499 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,337 |
| Cost of funding earning assets | 0.2571% | 4,792 |
| Net interest margin | 3.7444% | 2,593 |
| Noninterest income to average assets | 1.2889% | 722 |
| Noninterest expense to average assets | 4.4683% | 417 |
| Loan and lease loss provision to assets | 0.1058% | 2,101 |
| Net operating income to assets | 0.0369% | 5,905 |
| Return on assets (ROA) | 0.2114% | 5,718 |
| Pretax return on assets | 0.2114% | 5,775 |
| Return on Equity (ROE) | 2.3874% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.3874% | 4,681 |
| Net charge-offs to loans | 0.5677% | 404 |
| Credit loss provision to net charge-offs | 35.6042% | 3,214 |
| Earnings coverage of net charge-offs (x) | 0.4801% | 3,945 |
| Efficiency ratio | 96.7791% | 396 |
| Assets per employee ($millions) | 3.3198% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 5,124 |
| Loan loss allowance to noncurrent loans | 50.2973% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.6019% | 1,387 |
| Noncurrent loans to loans | 1.8289% | 1,288 |
| Net loans and leases to total assets | 57.5989% | 4,189 |
| Net loans and leases to deposits | 63.7808% | 4,577 |
| Net loans and leases to core deposits | 66.0691% | 4,682 |
| Total domestic deposits to total assets | 90.3076% | 461 |
| Equity capital to assets | 9.2226% | 5,091 |
| Core capital (leverage) ratio | 8.5358% | 5,525 |
| Tier 1 risk-based capital ratio | 12.0356% | 5,060 |
| Total risk-based capital ratio | 12.7893% | 5,277 |
| Memoranda: | ||
| Average total assets | $553,012,250 | 1,237 |
| Average earning assets | $490,645,000 | 1,280 |
| Average equity | $48,978,250 | 1,533 |
| Average total loans | $289,598,750 | 1,511 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 3,560 |
| Cost of funding earning assets | 0.2580% | 4,859 |
| Net interest margin | 3.6751% | 2,816 |
| Noninterest income to average assets | 1.2425% | 786 |
| Noninterest expense to average assets | 4.4922% | 425 |
| Loan and lease loss provision to assets | 0.1573% | 1,353 |
| Net operating income to assets | -0.1502% | 6,075 |
| Return on assets (ROA) | 0.0559% | 5,967 |
| Pretax return on assets | 0.0559% | 5,972 |
| Return on Equity (ROE) | 0.6397% | 5,949 |
| Retained earnings to average equity (ytd only) | 0.6397% | 5,306 |
| Net charge-offs to loans | 0.6037% | 391 |
| Credit loss provision to net charge-offs | 51.5864% | 2,687 |
| Earnings coverage of net charge-offs (x) | 0.0235% | 3,708 |
| Efficiency ratio | 99.7133% | 328 |
| Assets per employee ($millions) | 3.2367% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 4,259 |
| Loan loss allowance to noncurrent loans | 56.5331% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 1,495 |
| Noncurrent loans to loans | 1.9687% | 1,253 |
| Net loans and leases to total assets | 52.6080% | 4,692 |
| Net loans and leases to deposits | 58.5079% | 4,953 |
| Net loans and leases to core deposits | 60.4996% | 5,042 |
| Total domestic deposits to total assets | 89.9162% | 697 |
| Equity capital to assets | 8.8589% | 5,383 |
| Core capital (leverage) ratio | 8.2118% | 5,779 |
| Tier 1 risk-based capital ratio | 12.3273% | 4,922 |
| Total risk-based capital ratio | 13.2130% | 5,077 |
| Memoranda: | ||
| Average total assets | $558,079,330 | 1,233 |
| Average earning assets | $494,572,330 | 1,280 |
| Average equity | $48,771,000 | 1,539 |
| Average total loans | $281,915,330 | 1,547 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 3,909 |
| Cost of funding earning assets | 0.2642% | 4,859 |
| Net interest margin | 3.5606% | 3,173 |
| Noninterest income to average assets | 1.1202% | 901 |
| Noninterest expense to average assets | 4.6944% | 376 |
| Loan and lease loss provision to assets | 0.1238% | 1,680 |
| Net operating income to assets | -0.5516% | 6,258 |
| Return on assets (ROA) | -0.2092% | 6,171 |
| Pretax return on assets | -0.2092% | 6,160 |
| Return on Equity (ROE) | -2.4090% | 6,190 |
| Retained earnings to average equity (ytd only) | -2.4090% | 5,732 |
| Net charge-offs to loans | 1.0704% | 220 |
| Credit loss provision to net charge-offs | 23.5135% | 2,331 |
| Earnings coverage of net charge-offs (x) | -0.8122% | 3,163 |
| Efficiency ratio | 109.8916% | 195 |
| Assets per employee ($millions) | 3.2699% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 4,356 |
| Loan loss allowance to noncurrent loans | 58.1818% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 1,563 |
| Noncurrent loans to loans | 1.9482% | 1,368 |
| Net loans and leases to total assets | 48.1391% | 5,015 |
| Net loans and leases to deposits | 53.9030% | 5,195 |
| Net loans and leases to core deposits | 55.7660% | 5,265 |
| Total domestic deposits to total assets | 89.3069% | 1,088 |
| Equity capital to assets | 8.6800% | 5,590 |
| Core capital (leverage) ratio | 8.0779% | 5,893 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,870 |
| Total risk-based capital ratio | 13.4247% | 5,037 |
| Memoranda: | ||
| Average total assets | $562,032,000 | 1,229 |
| Average earning assets | $496,661,000 | 1,275 |
| Average equity | $48,816,500 | 1,544 |
| Average total loans | $276,527,500 | 1,578 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 1,186 |
| Cost of funding earning assets | 0.2825% | 4,980 |
| Net interest margin | 4.4800% | 777 |
| Noninterest income to average assets | 1.3366% | 687 |
| Noninterest expense to average assets | 5.5535% | 223 |
| Loan and lease loss provision to assets | 0.0300% | 4,008 |
| Net operating income to assets | -0.3346% | 6,250 |
| Return on assets (ROA) | -0.2225% | 6,215 |
| Pretax return on assets | -0.2225% | 6,205 |
| Return on Equity (ROE) | -2.5519% | 6,232 |
| Retained earnings to average equity (ytd only) | -2.5519% | 6,058 |
| Net charge-offs to loans | 0.3437% | 1,275 |
| Credit loss provision to net charge-offs | 17.6094% | 4,001 |
| Earnings coverage of net charge-offs (x) | -1.7876% | 4,832 |
| Efficiency ratio | 105.0677% | 275 |
| Assets per employee ($millions) | 3.0031% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 3,343 |
| Loan loss allowance to noncurrent loans | 34.4730% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 2.6119% | 865 |
| Noncurrent loans to loans | 3.8129% | 508 |
| Net loans and leases to total assets | 49.0644% | 5,061 |
| Net loans and leases to deposits | 54.5395% | 5,291 |
| Net loans and leases to core deposits | 56.4777% | 5,351 |
| Total domestic deposits to total assets | 89.9612% | 746 |
| Equity capital to assets | 8.6812% | 5,589 |
| Core capital (leverage) ratio | 8.1690% | 5,875 |
| Tier 1 risk-based capital ratio | 12.5560% | 5,005 |
| Total risk-based capital ratio | 13.5696% | 5,056 |
| Memoranda: | ||
| Average total assets | $549,991,000 | 1,214 |
| Average earning assets | $480,315,000 | 1,274 |
| Average equity | $47,963,400 | 1,503 |
| Average total loans | $272,661,000 | 1,560 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 774 |
| Cost of funding earning assets | 0.2828% | 5,064 |
| Net interest margin | 4.7136% | 492 |
| Noninterest income to average assets | 1.3716% | 658 |
| Noninterest expense to average assets | 5.8382% | 193 |
| Loan and lease loss provision to assets | 0.0183% | 4,043 |
| Net operating income to assets | -0.3821% | 6,336 |
| Return on assets (ROA) | -0.3066% | 6,315 |
| Pretax return on assets | -0.3066% | 6,297 |
| Return on Equity (ROE) | -3.5115% | 6,334 |
| Retained earnings to average equity (ytd only) | -3.5115% | 6,179 |
| Net charge-offs to loans | 0.3906% | 1,018 |
| Credit loss provision to net charge-offs | 9.4458% | 3,713 |
| Earnings coverage of net charge-offs (x) | -1.8804% | 4,566 |
| Efficiency ratio | 105.8808% | 272 |
| Assets per employee ($millions) | 2.9036% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,536 |
| Loan loss allowance to noncurrent loans | 33.8670% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 2.8897% | 835 |
| Noncurrent loans to loans | 3.9047% | 560 |
| Net loans and leases to total assets | 50.3570% | 4,965 |
| Net loans and leases to deposits | 55.9885% | 5,241 |
| Net loans and leases to core deposits | 58.0144% | 5,332 |
| Total domestic deposits to total assets | 89.9417% | 756 |
| Equity capital to assets | 8.6882% | 5,650 |
| Core capital (leverage) ratio | 8.1923% | 5,942 |
| Tier 1 risk-based capital ratio | 12.8915% | 4,922 |
| Total risk-based capital ratio | 13.9642% | 4,939 |
| Memoranda: | ||
| Average total assets | $547,093,250 | 1,230 |
| Average earning assets | $476,194,750 | 1,298 |
| Average equity | $47,766,250 | 1,516 |
| Average total loans | $271,024,500 | 1,578 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 543 |
| Cost of funding earning assets | 0.2800% | 5,183 |
| Net interest margin | 4.8804% | 357 |
| Noninterest income to average assets | 1.2574% | 738 |
| Noninterest expense to average assets | 6.0884% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6078% | 6,460 |
| Return on assets (ROA) | -0.5268% | 6,444 |
| Pretax return on assets | -0.5268% | 6,429 |
| Return on Equity (ROE) | -6.0237% | 6,457 |
| Retained earnings to average equity (ytd only) | -6.0237% | 6,297 |
| Net charge-offs to loans | 0.3955% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.1342% | 4,268 |
| Efficiency ratio | 110.3211% | 229 |
| Assets per employee ($millions) | 2.4729% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 3,474 |
| Loan loss allowance to noncurrent loans | 42.2388% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.5354% | 1,109 |
| Noncurrent loans to loans | 3.2544% | 858 |
| Net loans and leases to total assets | 51.3723% | 4,811 |
| Net loans and leases to deposits | 57.2633% | 5,098 |
| Net loans and leases to core deposits | 59.3291% | 5,178 |
| Total domestic deposits to total assets | 89.7124% | 961 |
| Equity capital to assets | 8.7430% | 5,580 |
| Core capital (leverage) ratio | 8.2108% | 5,922 |
| Tier 1 risk-based capital ratio | 12.8895% | 4,983 |
| Total risk-based capital ratio | 14.0173% | 4,998 |
| Memoranda: | ||
| Average total assets | $545,564,000 | 1,229 |
| Average earning assets | $472,087,670 | 1,301 |
| Average equity | $47,711,330 | 1,503 |
| Average total loans | $267,521,670 | 1,588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9844% | 739 |
| Cost of funding earning assets | 0.2766% | 5,319 |
| Net interest margin | 4.7079% | 460 |
| Noninterest income to average assets | 1.1389% | 859 |
| Noninterest expense to average assets | 5.7311% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5203% | 6,480 |
| Return on assets (ROA) | -0.5203% | 6,478 |
| Pretax return on assets | -0.5203% | 6,462 |
| Return on Equity (ROE) | -5.9484% | 6,489 |
| Retained earnings to average equity (ytd only) | -5.9484% | 6,179 |
| Net charge-offs to loans | 0.6349% | 584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.7251% | 3,529 |
| Efficiency ratio | 109.1677% | 285 |
| Assets per employee ($millions) | 2.3875% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,001 |
| Loan loss allowance to noncurrent loans | 43.8009% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.6092% | 1,193 |
| Noncurrent loans to loans | 3.5022% | 832 |
| Net loans and leases to total assets | 47.1189% | 5,221 |
| Net loans and leases to deposits | 52.4357% | 5,429 |
| Net loans and leases to core deposits | 54.3884% | 5,472 |
| Total domestic deposits to total assets | 89.8604% | 1,148 |
| Equity capital to assets | 8.6810% | 5,457 |
| Core capital (leverage) ratio | 8.4330% | 5,718 |
| Tier 1 risk-based capital ratio | 13.9705% | 4,353 |
| Total risk-based capital ratio | 15.2169% | 4,295 |
| Memoranda: | ||
| Average total assets | $545,094,500 | 1,238 |
| Average earning assets | $471,466,500 | 1,310 |
| Average equity | $47,676,500 | 1,496 |
| Average total loans | $258,950,500 | 1,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 5,148 |
| Cost of funding earning assets | 0.1854% | 6,364 |
| Net interest margin | 3.5099% | 3,852 |
| Noninterest income to average assets | 0.9185% | 1,617 |
| Noninterest expense to average assets | 4.0421% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0235% | 6,174 |
| Return on assets (ROA) | 0.0235% | 6,216 |
| Pretax return on assets | 0.0235% | 6,195 |
| Return on Equity (ROE) | 0.2435% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.2435% | 5,736 |
| Net charge-offs to loans | 0.4975% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0968% | 5,056 |
| Efficiency ratio | 96.2322% | 629 |
| Assets per employee ($millions) | 3.6544% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 2,285 |
| Loan loss allowance to noncurrent loans | 118.4185% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 2,682 |
| Noncurrent loans to loans | 1.4644% | 2,694 |
| Net loans and leases to total assets | 45.3376% | 5,548 |
| Net loans and leases to deposits | 51.0543% | 5,693 |
| Net loans and leases to core deposits | 51.6266% | 5,821 |
| Total domestic deposits to total assets | 88.8027% | 1,750 |
| Equity capital to assets | 9.3547% | 4,617 |
| Core capital (leverage) ratio | 9.0698% | 4,905 |
| Tier 1 risk-based capital ratio | 17.5880% | 2,377 |
| Total risk-based capital ratio | 18.8386% | 2,357 |
| Memoranda: | ||
| Average total assets | $153,408,600 | 3,649 |
| Average earning assets | $137,554,600 | 3,702 |
| Average equity | $14,787,200 | 3,904 |
| Average total loans | $74,773,200 | 4,101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 5,124 |
| Cost of funding earning assets | 0.2011% | 6,395 |
| Net interest margin | 3.5128% | 3,824 |
| Noninterest income to average assets | 0.9109% | 1,715 |
| Noninterest expense to average assets | 3.5473% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5068% | 4,765 |
| Return on assets (ROA) | 0.5068% | 4,929 |
| Pretax return on assets | 0.5068% | 5,336 |
| Return on Equity (ROE) | 5.2188% | 4,616 |
| Retained earnings to average equity (ytd only) | 5.2188% | 2,921 |
| Net charge-offs to loans | 0.5684% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.8049% | 4,232 |
| Efficiency ratio | 84.3053% | 1,560 |
| Assets per employee ($millions) | 3.4282% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 2,492 |
| Loan loss allowance to noncurrent loans | 144.4570% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 2,124 |
| Noncurrent loans to loans | 1.2040% | 3,413 |
| Net loans and leases to total assets | 47.8282% | 5,364 |
| Net loans and leases to deposits | 53.9729% | 5,540 |
| Net loans and leases to core deposits | 54.6935% | 5,711 |
| Total domestic deposits to total assets | 88.6151% | 1,775 |
| Equity capital to assets | 9.9006% | 4,049 |
| Core capital (leverage) ratio | 9.3532% | 4,608 |
| Tier 1 risk-based capital ratio | 18.0288% | 2,316 |
| Total risk-based capital ratio | 19.3075% | 2,265 |
| Memoranda: | ||
| Average total assets | $153,389,750 | 3,685 |
| Average earning assets | $137,246,500 | 3,747 |
| Average equity | $14,894,500 | 3,934 |
| Average total loans | $75,763,000 | 4,095 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7020% | 5,135 |
| Cost of funding earning assets | 0.2172% | 6,386 |
| Net interest margin | 3.4848% | 3,839 |
| Noninterest income to average assets | 0.9116% | 1,780 |
| Noninterest expense to average assets | 3.4673% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5654% | 4,476 |
| Return on assets (ROA) | 0.5654% | 4,642 |
| Pretax return on assets | 0.5654% | 5,147 |
| Return on Equity (ROE) | 5.8597% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.8597% | 2,513 |
| Net charge-offs to loans | 0.7003% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.6269% | 3,982 |
| Efficiency ratio | 82.7974% | 1,788 |
| Assets per employee ($millions) | 3.3895% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 2,502 |
| Loan loss allowance to noncurrent loans | 116.4336% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 2,331 |
| Noncurrent loans to loans | 1.5284% | 3,008 |
| Net loans and leases to total assets | 47.1520% | 5,414 |
| Net loans and leases to deposits | 52.9375% | 5,609 |
| Net loans and leases to core deposits | 53.6170% | 5,778 |
| Total domestic deposits to total assets | 89.0710% | 1,590 |
| Equity capital to assets | 9.5251% | 4,554 |
| Core capital (leverage) ratio | 9.1356% | 4,775 |
| Tier 1 risk-based capital ratio | 17.2291% | 2,626 |
| Total risk-based capital ratio | 18.5146% | 2,579 |
| Memoranda: | ||
| Average total assets | $154,239,670 | 3,699 |
| Average earning assets | $138,141,330 | 3,748 |
| Average equity | $14,881,330 | 3,968 |
| Average total loans | $76,543,670 | 4,087 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 5,086 |
| Cost of funding earning assets | 0.2423% | 6,336 |
| Net interest margin | 3.4795% | 3,787 |
| Noninterest income to average assets | 0.8944% | 1,776 |
| Noninterest expense to average assets | 3.5176% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4850% | 4,751 |
| Return on assets (ROA) | 0.4850% | 4,906 |
| Pretax return on assets | 0.4850% | 5,306 |
| Return on Equity (ROE) | 4.9945% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.9945% | 3,239 |
| Net charge-offs to loans | 0.2067% | 2,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.6500% | 2,507 |
| Efficiency ratio | 84.6254% | 1,688 |
| Assets per employee ($millions) | 3.4466% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0184% | 1,995 |
| Loan loss allowance to noncurrent loans | 66.3265% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.0207% | 2,315 |
| Noncurrent loans to loans | 3.0431% | 1,640 |
| Net loans and leases to total assets | 48.8265% | 5,137 |
| Net loans and leases to deposits | 54.9370% | 5,352 |
| Net loans and leases to core deposits | 55.4162% | 5,568 |
| Total domestic deposits to total assets | 88.8774% | 1,750 |
| Equity capital to assets | 9.6649% | 4,618 |
| Core capital (leverage) ratio | 9.1021% | 4,715 |
| Tier 1 risk-based capital ratio | 16.4288% | 3,051 |
| Total risk-based capital ratio | 17.6858% | 2,993 |
| Memoranda: | ||
| Average total assets | $153,402,000 | 3,754 |
| Average earning assets | $137,030,500 | 3,811 |
| Average equity | $14,896,500 | 4,014 |
| Average total loans | $77,391,000 | 4,083 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 5,359 |
| Cost of funding earning assets | 0.3074% | 6,414 |
| Net interest margin | 3.6783% | 3,749 |
| Noninterest income to average assets | 0.1262% | 6,404 |
| Noninterest expense to average assets | 3.4803% | 1,860 |
| Loan and lease loss provision to assets | 0.5564% | 1,024 |
| Net operating income to assets | -0.6283% | 6,624 |
| Return on assets (ROA) | -0.6024% | 6,645 |
| Pretax return on assets | -0.6024% | 6,616 |
| Return on Equity (ROE) | -6.1805% | 6,632 |
| Retained earnings to average equity (ytd only) | -6.1805% | 6,489 |
| Net charge-offs to loans | 2.6199% | 226 |
| Credit loss provision to net charge-offs | 39.8517% | 4,938 |
| Earnings coverage of net charge-offs (x) | -0.0514% | 5,514 |
| Efficiency ratio | 98.3295% | 614 |
| Assets per employee ($millions) | 3.2278% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 1,845 |
| Loan loss allowance to noncurrent loans | 220.0825% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 3,735 |
| Noncurrent loans to loans | 0.9381% | 4,309 |
| Net loans and leases to total assets | 50.0264% | 5,161 |
| Net loans and leases to deposits | 56.3594% | 5,409 |
| Net loans and leases to core deposits | 56.8627% | 5,644 |
| Total domestic deposits to total assets | 88.7631% | 1,724 |
| Equity capital to assets | 9.7577% | 4,518 |
| Core capital (leverage) ratio | 9.1205% | 4,705 |
| Tier 1 risk-based capital ratio | 17.4171% | 2,480 |
| Total risk-based capital ratio | 18.6764% | 2,453 |
| Memoranda: | ||
| Average total assets | $154,553,800 | 3,706 |
| Average earning assets | $137,918,600 | 3,756 |
| Average equity | $15,063,600 | 3,952 |
| Average total loans | $82,369,400 | 3,962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 5,454 |
| Cost of funding earning assets | 0.3185% | 6,524 |
| Net interest margin | 3.7033% | 3,788 |
| Noninterest income to average assets | -0.1125% | 7,033 |
| Noninterest expense to average assets | 3.4349% | 1,913 |
| Loan and lease loss provision to assets | 0.7385% | 675 |
| Net operating income to assets | -0.9910% | 6,858 |
| Return on assets (ROA) | -0.9566% | 6,876 |
| Pretax return on assets | -0.9566% | 6,851 |
| Return on Equity (ROE) | -9.8177% | 6,855 |
| Retained earnings to average equity (ytd only) | -9.8177% | 6,807 |
| Net charge-offs to loans | 3.3784% | 141 |
| Credit loss provision to net charge-offs | 40.6043% | 4,603 |
| Earnings coverage of net charge-offs (x) | -0.1388% | 5,396 |
| Efficiency ratio | 103.9126% | 422 |
| Assets per employee ($millions) | 3.2761% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 1,868 |
| Loan loss allowance to noncurrent loans | 203.7267% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 3,523 |
| Noncurrent loans to loans | 1.0400% | 4,363 |
| Net loans and leases to total assets | 49.2035% | 5,415 |
| Net loans and leases to deposits | 55.2959% | 5,688 |
| Net loans and leases to core deposits | 55.9952% | 5,887 |
| Total domestic deposits to total assets | 88.9821% | 1,437 |
| Equity capital to assets | 9.5378% | 5,157 |
| Core capital (leverage) ratio | 9.0808% | 4,946 |
| Tier 1 risk-based capital ratio | 17.7269% | 2,452 |
| Total risk-based capital ratio | 18.9888% | 2,420 |
| Memoranda: | ||
| Average total assets | $155,265,750 | 3,731 |
| Average earning assets | $138,144,000 | 3,788 |
| Average equity | $15,128,750 | 3,969 |
| Average total loans | $83,588,500 | 3,969 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 5,250 |
| Cost of funding earning assets | 0.3324% | 6,592 |
| Net interest margin | 3.7856% | 3,431 |
| Noninterest income to average assets | 0.1901% | 6,195 |
| Noninterest expense to average assets | 3.3321% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2222% | 5,850 |
| Return on assets (ROA) | 0.2736% | 5,889 |
| Pretax return on assets | 0.2736% | 6,012 |
| Return on Equity (ROE) | 2.7886% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.7886% | 4,764 |
| Net charge-offs to loans | 0.5044% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.8009% | 4,655 |
| Efficiency ratio | 90.1699% | 1,059 |
| Assets per employee ($millions) | 3.3978% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2769% | 604 |
| Loan loss allowance to noncurrent loans | 65.0655% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 4.3379% | 1,151 |
| Noncurrent loans to loans | 5.0363% | 969 |
| Net loans and leases to total assets | 50.6488% | 5,272 |
| Net loans and leases to deposits | 57.1038% | 5,536 |
| Net loans and leases to core deposits | 57.8161% | 5,791 |
| Total domestic deposits to total assets | 88.6960% | 1,710 |
| Equity capital to assets | 9.8683% | 4,521 |
| Core capital (leverage) ratio | 9.3623% | 4,354 |
| Tier 1 risk-based capital ratio | 18.3812% | 2,168 |
| Total risk-based capital ratio | 19.6571% | 2,118 |
| Memoranda: | ||
| Average total assets | $155,695,330 | 3,742 |
| Average earning assets | $138,367,000 | 3,808 |
| Average equity | $15,276,330 | 3,926 |
| Average total loans | $85,650,670 | 3,920 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 4,907 |
| Cost of funding earning assets | 0.3447% | 6,662 |
| Net interest margin | 3.9105% | 2,879 |
| Noninterest income to average assets | 0.5509% | 3,560 |
| Noninterest expense to average assets | 3.3849% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6410% | 4,163 |
| Return on assets (ROA) | 0.6410% | 4,371 |
| Pretax return on assets | 0.6410% | 4,971 |
| Return on Equity (ROE) | 6.5516% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.5516% | 2,652 |
| Net charge-offs to loans | 0.6899% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6490% | 3,497 |
| Efficiency ratio | 80.8824% | 2,095 |
| Assets per employee ($millions) | 3.2538% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2103% | 678 |
| Loan loss allowance to noncurrent loans | 71.3136% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 4.4205% | 1,220 |
| Noncurrent loans to loans | 4.5016% | 1,297 |
| Net loans and leases to total assets | 53.0288% | 4,878 |
| Net loans and leases to deposits | 59.8191% | 5,172 |
| Net loans and leases to core deposits | 60.6759% | 5,466 |
| Total domestic deposits to total assets | 88.6486% | 1,919 |
| Equity capital to assets | 9.8045% | 4,365 |
| Core capital (leverage) ratio | 9.4288% | 4,155 |
| Tier 1 risk-based capital ratio | 17.8257% | 2,349 |
| Total risk-based capital ratio | 19.1014% | 2,322 |
| Memoranda: | ||
| Average total assets | $155,394,000 | 3,773 |
| Average earning assets | $138,089,000 | 3,848 |
| Average equity | $15,202,500 | 3,952 |
| Average total loans | $87,553,500 | 3,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 4,321 |
| Cost of funding earning assets | 0.5016% | 6,528 |
| Net interest margin | 4.1809% | 2,122 |
| Noninterest income to average assets | 0.2796% | 5,530 |
| Noninterest expense to average assets | 3.5379% | 1,891 |
| Loan and lease loss provision to assets | 0.6035% | 1,716 |
| Net operating income to assets | -0.1815% | 6,238 |
| Return on assets (ROA) | -0.0082% | 6,173 |
| Pretax return on assets | -0.0082% | 6,140 |
| Return on Equity (ROE) | -0.0859% | 6,172 |
| Retained earnings to average equity (ytd only) | -0.0859% | 5,859 |
| Net charge-offs to loans | 1.1571% | 1,469 |
| Credit loss provision to net charge-offs | 84.6495% | 4,255 |
| Earnings coverage of net charge-offs (x) | 0.5918% | 5,382 |
| Efficiency ratio | 86.1661% | 1,545 |
| Assets per employee ($millions) | 3.2209% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2366% | 659 |
| Loan loss allowance to noncurrent loans | 67.3327% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 4.6751% | 1,169 |
| Noncurrent loans to loans | 4.8069% | 1,206 |
| Net loans and leases to total assets | 56.0396% | 4,695 |
| Net loans and leases to deposits | 63.1947% | 5,098 |
| Net loans and leases to core deposits | 64.1407% | 5,449 |
| Total domestic deposits to total assets | 88.6776% | 1,735 |
| Equity capital to assets | 9.7617% | 4,492 |
| Core capital (leverage) ratio | 9.0875% | 4,640 |
| Tier 1 risk-based capital ratio | 16.6400% | 2,758 |
| Total risk-based capital ratio | 17.9164% | 2,706 |
| Memoranda: | ||
| Average total assets | $158,089,000 | 3,654 |
| Average earning assets | $139,155,200 | 3,763 |
| Average equity | $15,134,400 | 3,881 |
| Average total loans | $97,396,000 | 3,685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 4,155 |
| Cost of funding earning assets | 0.5370% | 6,554 |
| Net interest margin | 4.2310% | 1,985 |
| Noninterest income to average assets | 0.2869% | 5,555 |
| Noninterest expense to average assets | 3.5597% | 1,793 |
| Loan and lease loss provision to assets | 0.7415% | 1,289 |
| Net operating income to assets | -0.3003% | 6,492 |
| Return on assets (ROA) | -0.3003% | 6,553 |
| Pretax return on assets | -0.3003% | 6,493 |
| Return on Equity (ROE) | -3.1517% | 6,571 |
| Retained earnings to average equity (ytd only) | -3.1517% | 6,435 |
| Net charge-offs to loans | 1.1245% | 1,412 |
| Credit loss provision to net charge-offs | 105.4893% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.6277% | 5,157 |
| Efficiency ratio | 85.8491% | 1,547 |
| Assets per employee ($millions) | 3.0358% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3368% | 642 |
| Loan loss allowance to noncurrent loans | 59.4847% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 5.5178% | 1,012 |
| Noncurrent loans to loans | 5.6095% | 1,046 |
| Net loans and leases to total assets | 58.3210% | 4,454 |
| Net loans and leases to deposits | 65.7210% | 4,946 |
| Net loans and leases to core deposits | 66.8310% | 5,329 |
| Total domestic deposits to total assets | 88.7403% | 1,590 |
| Equity capital to assets | 9.6948% | 4,786 |
| Core capital (leverage) ratio | 8.9462% | 5,020 |
| Tier 1 risk-based capital ratio | 15.4781% | 3,401 |
| Total risk-based capital ratio | 16.7552% | 3,353 |
| Memoranda: | ||
| Average total assets | $158,960,000 | 3,669 |
| Average earning assets | $139,539,500 | 3,777 |
| Average equity | $15,145,000 | 3,889 |
| Average total loans | $99,360,500 | 3,661 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 4,181 |
| Cost of funding earning assets | 0.5858% | 6,520 |
| Net interest margin | 4.1929% | 2,066 |
| Noninterest income to average assets | 0.4615% | 4,178 |
| Noninterest expense to average assets | 3.5438% | 1,877 |
| Loan and lease loss provision to assets | 0.4478% | 2,188 |
| Net operating income to assets | 0.1572% | 5,864 |
| Return on assets (ROA) | 0.1572% | 5,963 |
| Pretax return on assets | 0.1572% | 6,009 |
| Return on Equity (ROE) | 1.6590% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.6590% | 5,165 |
| Net charge-offs to loans | 0.1362% | 4,383 |
| Credit loss provision to net charge-offs | 520.2899% | 590 |
| Earnings coverage of net charge-offs (x) | 7.0290% | 2,292 |
| Efficiency ratio | 82.4414% | 2,037 |
| Assets per employee ($millions) | 3.0051% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4758% | 608 |
| Loan loss allowance to noncurrent loans | 57.6501% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 6.3642% | 849 |
| Noncurrent loans to loans | 6.0291% | 986 |
| Net loans and leases to total assets | 59.7299% | 4,327 |
| Net loans and leases to deposits | 67.4166% | 4,796 |
| Net loans and leases to core deposits | 68.5409% | 5,234 |
| Total domestic deposits to total assets | 88.5982% | 1,785 |
| Equity capital to assets | 9.8499% | 4,330 |
| Core capital (leverage) ratio | 8.8466% | 4,970 |
| Tier 1 risk-based capital ratio | 15.3855% | 3,302 |
| Total risk-based capital ratio | 16.6650% | 3,228 |
| Memoranda: | ||
| Average total assets | $160,338,000 | 3,681 |
| Average earning assets | $141,000,330 | 3,774 |
| Average equity | $15,190,000 | 3,876 |
| Average total loans | $101,343,000 | 3,651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 4,405 |
| Cost of funding earning assets | 0.6540% | 6,368 |
| Net interest margin | 4.0692% | 2,395 |
| Noninterest income to average assets | 0.8055% | 2,010 |
| Noninterest expense to average assets | 3.4735% | 2,078 |
| Loan and lease loss provision to assets | 0.8844% | 917 |
| Net operating income to assets | 0.0345% | 6,270 |
| Return on assets (ROA) | 0.0345% | 6,305 |
| Pretax return on assets | 0.0345% | 6,293 |
| Return on Equity (ROE) | 0.3711% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.3711% | 5,665 |
| Net charge-offs to loans | 0.5402% | 2,143 |
| Credit loss provision to net charge-offs | 256.4286% | 1,216 |
| Earnings coverage of net charge-offs (x) | 2.6643% | 3,012 |
| Efficiency ratio | 76.2759% | 3,114 |
| Assets per employee ($millions) | 3.0509% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2430% | 750 |
| Loan loss allowance to noncurrent loans | 45.2669% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 6.6327% | 829 |
| Noncurrent loans to loans | 7.1642% | 756 |
| Net loans and leases to total assets | 60.7044% | 4,131 |
| Net loans and leases to deposits | 67.9400% | 4,688 |
| Net loans and leases to core deposits | 69.3821% | 5,124 |
| Total domestic deposits to total assets | 89.3500% | 1,565 |
| Equity capital to assets | 9.3451% | 4,659 |
| Core capital (leverage) ratio | 8.5458% | 5,357 |
| Tier 1 risk-based capital ratio | 14.5702% | 3,693 |
| Total risk-based capital ratio | 15.8474% | 3,635 |
| Memoranda: | ||
| Average total assets | $162,374,500 | 3,661 |
| Average earning assets | $143,125,000 | 3,770 |
| Average equity | $15,089,000 | 3,885 |
| Average total loans | $103,665,500 | 3,628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 3,788 |
| Cost of funding earning assets | 0.9477% | 5,945 |
| Net interest margin | 4.2150% | 2,126 |
| Noninterest income to average assets | -0.3402% | 7,522 |
| Noninterest expense to average assets | 2.9615% | 3,995 |
| Loan and lease loss provision to assets | 3.0816% | 297 |
| Net operating income to assets | -2.4045% | 7,161 |
| Return on assets (ROA) | -2.4023% | 7,171 |
| Pretax return on assets | -2.6810% | 7,218 |
| Return on Equity (ROE) | -23.3234% | 7,095 |
| Retained earnings to average equity (ytd only) | -23.3234% | 7,073 |
| Net charge-offs to loans | 3.9905% | 318 |
| Credit loss provision to net charge-offs | 115.2212% | 3,754 |
| Earnings coverage of net charge-offs (x) | 0.1489% | 5,966 |
| Efficiency ratio | 84.6425% | 1,843 |
| Assets per employee ($millions) | 3.0764% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9013% | 954 |
| Loan loss allowance to noncurrent loans | 32.8838% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 7.3456% | 723 |
| Noncurrent loans to loans | 8.8230% | 536 |
| Net loans and leases to total assets | 63.0547% | 4,058 |
| Net loans and leases to deposits | 70.4825% | 4,755 |
| Net loans and leases to core deposits | 71.9837% | 5,215 |
| Total domestic deposits to total assets | 89.4615% | 1,407 |
| Equity capital to assets | 9.2408% | 4,773 |
| Core capital (leverage) ratio | 8.5631% | 5,252 |
| Tier 1 risk-based capital ratio | 14.5847% | 3,488 |
| Total risk-based capital ratio | 15.8579% | 3,436 |
| Memoranda: | ||
| Average total assets | $169,002,400 | 3,559 |
| Average earning assets | $148,352,000 | 3,654 |
| Average equity | $17,407,400 | 3,521 |
| Average total loans | $113,269,000 | 3,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 3,587 |
| Cost of funding earning assets | 0.9872% | 5,995 |
| Net interest margin | 4.2611% | 1,986 |
| Noninterest income to average assets | -0.5803% | 7,691 |
| Noninterest expense to average assets | 3.1000% | 3,337 |
| Loan and lease loss provision to assets | 3.0758% | 277 |
| Net operating income to assets | -1.9485% | 7,227 |
| Return on assets (ROA) | -1.9465% | 7,242 |
| Pretax return on assets | -3.0163% | 7,423 |
| Return on Equity (ROE) | -18.4442% | 7,189 |
| Retained earnings to average equity (ytd only) | -18.4442% | 7,169 |
| Net charge-offs to loans | 2.5249% | 667 |
| Credit loss provision to net charge-offs | 180.4128% | 2,031 |
| Earnings coverage of net charge-offs (x) | 0.0330% | 5,996 |
| Efficiency ratio | 94.5243% | 976 |
| Assets per employee ($millions) | 3.3854% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6817% | 476 |
| Loan loss allowance to noncurrent loans | 48.5279% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 6.8456% | 802 |
| Noncurrent loans to loans | 7.5867% | 709 |
| Net loans and leases to total assets | 65.2438% | 3,855 |
| Net loans and leases to deposits | 73.7499% | 4,558 |
| Net loans and leases to core deposits | 75.3142% | 5,145 |
| Total domestic deposits to total assets | 88.4662% | 1,687 |
| Equity capital to assets | 10.2094% | 3,868 |
| Core capital (leverage) ratio | 9.4526% | 3,981 |
| Tier 1 risk-based capital ratio | 15.3073% | 3,097 |
| Total risk-based capital ratio | 16.5919% | 3,039 |
| Memoranda: | ||
| Average total assets | $170,490,750 | 3,571 |
| Average earning assets | $149,503,000 | 3,691 |
| Average equity | $17,992,500 | 3,471 |
| Average total loans | $115,115,750 | 3,478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 3,400 |
| Cost of funding earning assets | 1.0075% | 6,101 |
| Net interest margin | 4.3061% | 1,749 |
| Noninterest income to average assets | -0.8441% | 7,784 |
| Noninterest expense to average assets | 3.1100% | 3,271 |
| Loan and lease loss provision to assets | 3.7646% | 215 |
| Net operating income to assets | -2.3799% | 7,393 |
| Return on assets (ROA) | -2.3799% | 7,404 |
| Pretax return on assets | -3.9471% | 7,596 |
| Return on Equity (ROE) | -22.3171% | 7,325 |
| Retained earnings to average equity (ytd only) | -22.3171% | 7,309 |
| Net charge-offs to loans | 3.2750% | 463 |
| Credit loss provision to net charge-offs | 170.4211% | 2,293 |
| Earnings coverage of net charge-offs (x) | -0.0826% | 5,787 |
| Efficiency ratio | 102.3034% | 729 |
| Assets per employee ($millions) | 3.3314% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2843% | 650 |
| Loan loss allowance to noncurrent loans | 55.3540% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 7.1130% | 741 |
| Noncurrent loans to loans | 5.9333% | 1,081 |
| Net loans and leases to total assets | 64.5109% | 4,158 |
| Net loans and leases to deposits | 72.9026% | 4,850 |
| Net loans and leases to core deposits | 74.4031% | 5,398 |
| Total domestic deposits to total assets | 88.4891% | 1,737 |
| Equity capital to assets | 10.2025% | 3,765 |
| Core capital (leverage) ratio | 9.2310% | 4,249 |
| Tier 1 risk-based capital ratio | 14.8927% | 3,213 |
| Total risk-based capital ratio | 16.1709% | 3,164 |
| Memoranda: | ||
| Average total assets | $172,025,330 | 3,571 |
| Average earning assets | $150,670,330 | 3,695 |
| Average equity | $18,344,670 | 3,407 |
| Average total loans | $116,031,670 | 3,478 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 3,036 |
| Cost of funding earning assets | 1.0167% | 6,295 |
| Net interest margin | 4.3829% | 1,439 |
| Noninterest income to average assets | 0.5523% | 3,637 |
| Noninterest expense to average assets | 3.0990% | 3,266 |
| Loan and lease loss provision to assets | 4.9986% | 160 |
| Net operating income to assets | -2.2208% | 7,506 |
| Return on assets (ROA) | -2.2208% | 7,515 |
| Pretax return on assets | -3.6999% | 7,663 |
| Return on Equity (ROE) | -20.3926% | 7,444 |
| Retained earnings to average equity (ytd only) | -20.3926% | 7,384 |
| Net charge-offs to loans | 2.8965% | 536 |
| Credit loss provision to net charge-offs | 254.4706% | 1,521 |
| Earnings coverage of net charge-offs (x) | 0.6612% | 4,438 |
| Efficiency ratio | 67.8403% | 4,748 |
| Assets per employee ($millions) | 3.2176% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1771% | 707 |
| Loan loss allowance to noncurrent loans | 51.8950% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 7.2893% | 720 |
| Noncurrent loans to loans | 6.1221% | 1,062 |
| Net loans and leases to total assets | 64.8456% | 4,134 |
| Net loans and leases to deposits | 73.5546% | 4,819 |
| Net loans and leases to core deposits | 74.9068% | 5,398 |
| Total domestic deposits to total assets | 88.1599% | 1,969 |
| Equity capital to assets | 10.5693% | 3,178 |
| Core capital (leverage) ratio | 9.8852% | 3,300 |
| Tier 1 risk-based capital ratio | 15.5199% | 2,858 |
| Total risk-based capital ratio | 16.7955% | 2,794 |
| Memoranda: | ||
| Average total assets | $173,088,000 | 3,608 |
| Average earning assets | $151,863,000 | 3,727 |
| Average equity | $18,850,000 | 3,337 |
| Average total loans | $117,384,500 | 3,511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 2,979 |
| Cost of funding earning assets | 1.4692% | 5,638 |
| Net interest margin | 4.2575% | 1,865 |
| Noninterest income to average assets | 0.5541% | 3,988 |
| Noninterest expense to average assets | 4.9394% | 541 |
| Loan and lease loss provision to assets | 1.4698% | 1,570 |
| Net operating income to assets | -1.6746% | 6,950 |
| Return on assets (ROA) | -1.6728% | 6,953 |
| Pretax return on assets | -2.1231% | 6,986 |
| Return on Equity (ROE) | -13.4008% | 6,851 |
| Retained earnings to average equity (ytd only) | -15.7105% | 6,921 |
| Net charge-offs to loans | 1.6516% | 1,532 |
| Credit loss provision to net charge-offs | 127.1322% | 4,079 |
| Earnings coverage of net charge-offs (x) | -0.5671% | 6,734 |
| Efficiency ratio | 85.6508% | 2,153 |
| Assets per employee ($millions) | 3.0251% | 6,160 |
| Cash dividends to net income (ytd only)* | -17.2354% | 7,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 1,988 |
| Loan loss allowance to noncurrent loans | 71.4628% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 5.0340% | 1,214 |
| Noncurrent loans to loans | 2.8175% | 2,744 |
| Net loans and leases to total assets | 67.2861% | 3,863 |
| Net loans and leases to deposits | 76.8884% | 4,590 |
| Net loans and leases to core deposits | 86.1763% | 5,501 |
| Total domestic deposits to total assets | 87.5113% | 2,214 |
| Equity capital to assets | 11.2140% | 2,520 |
| Core capital (leverage) ratio | 10.3220% | 2,768 |
| Tier 1 risk-based capital ratio | 16.3221% | 2,389 |
| Total risk-based capital ratio | 17.5832% | 2,330 |
| Memoranda: | ||
| Average total assets | $173,422,800 | 3,548 |
| Average earning assets | $151,920,600 | 3,677 |
| Average equity | $21,648,000 | 2,993 |
| Average total loans | $121,399,600 | 3,453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7772% | 3,000 |
| Cost of funding earning assets | 1.5754% | 5,512 |
| Net interest margin | 4.2017% | 2,059 |
| Noninterest income to average assets | 0.7570% | 2,667 |
| Noninterest expense to average assets | 4.9725% | 500 |
| Loan and lease loss provision to assets | 0.4530% | 3,649 |
| Net operating income to assets | -1.1140% | 6,913 |
| Return on assets (ROA) | -1.1109% | 6,908 |
| Pretax return on assets | -0.9880% | 6,678 |
| Return on Equity (ROE) | -8.6803% | 6,786 |
| Retained earnings to average equity (ytd only) | -11.6797% | 6,927 |
| Net charge-offs to loans | 0.1419% | 5,281 |
| Credit loss provision to net charge-offs | 453.8462% | 872 |
| Earnings coverage of net charge-offs (x) | -5.3923% | 6,858 |
| Efficiency ratio | 74.8615% | 3,716 |
| Assets per employee ($millions) | 3.2219% | 5,596 |
| Cash dividends to net income (ytd only)* | -34.5542% | 7,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 2,139 |
| Loan loss allowance to noncurrent loans | 91.5241% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 3.8097% | 1,695 |
| Noncurrent loans to loans | 2.0302% | 3,596 |
| Net loans and leases to total assets | 68.5547% | 3,837 |
| Net loans and leases to deposits | 78.5454% | 4,649 |
| Net loans and leases to core deposits | 87.9776% | 5,641 |
| Total domestic deposits to total assets | 87.2803% | 2,030 |
| Equity capital to assets | 11.7276% | 2,408 |
| Core capital (leverage) ratio | 11.2064% | 2,260 |
| Tier 1 risk-based capital ratio | 17.2180% | 2,208 |
| Total risk-based capital ratio | 18.4768% | 2,151 |
| Memoranda: | ||
| Average total assets | $173,671,500 | 3,558 |
| Average earning assets | $151,997,000 | 3,693 |
| Average equity | $22,226,000 | 2,947 |
| Average total loans | $122,148,500 | 3,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8362% | 2,869 |
| Cost of funding earning assets | 1.6959% | 5,288 |
| Net interest margin | 4.1403% | 2,192 |
| Noninterest income to average assets | 1.0493% | 1,435 |
| Noninterest expense to average assets | 3.6187% | 2,029 |
| Loan and lease loss provision to assets | 0.4870% | 3,099 |
| Net operating income to assets | 0.4209% | 4,421 |
| Return on assets (ROA) | 0.4209% | 4,527 |
| Pretax return on assets | 0.5415% | 4,492 |
| Return on Equity (ROE) | 3.1972% | 4,823 |
| Retained earnings to average equity (ytd only) | -1.2067% | 5,539 |
| Net charge-offs to loans | 0.0576% | 5,692 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 25.3429% | 1,121 |
| Efficiency ratio | 75.3992% | 3,811 |
| Assets per employee ($millions) | 3.0911% | 5,894 |
| Cash dividends to net income (ytd only)* | 137.7410% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 2,083 |
| Loan loss allowance to noncurrent loans | 47.8289% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.9866% | 1,492 |
| Noncurrent loans to loans | 3.7358% | 1,856 |
| Net loans and leases to total assets | 69.4127% | 3,844 |
| Net loans and leases to deposits | 80.4588% | 4,476 |
| Net loans and leases to core deposits | 90.9232% | 5,459 |
| Total domestic deposits to total assets | 86.2711% | 2,644 |
| Equity capital to assets | 12.7498% | 1,812 |
| Core capital (leverage) ratio | 11.1381% | 2,304 |
| Tier 1 risk-based capital ratio | 17.0645% | 2,280 |
| Total risk-based capital ratio | 18.3239% | 2,228 |
| Memoranda: | ||
| Average total assets | $172,493,330 | 3,593 |
| Average earning assets | $149,891,000 | 3,747 |
| Average equity | $22,707,330 | 2,888 |
| Average total loans | $121,603,670 | 3,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9497% | 2,565 |
| Cost of funding earning assets | 1.8328% | 4,958 |
| Net interest margin | 4.1169% | 2,221 |
| Noninterest income to average assets | 0.8814% | 1,926 |
| Noninterest expense to average assets | 3.3426% | 2,523 |
| Loan and lease loss provision to assets | 0.4923% | 2,507 |
| Net operating income to assets | 0.4594% | 4,615 |
| Return on assets (ROA) | 0.4594% | 4,791 |
| Pretax return on assets | 0.5954% | 4,768 |
| Return on Equity (ROE) | 3.4342% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.4342% | 3,977 |
| Net charge-offs to loans | 0.0033% | 5,681 |
| Credit loss provision to net charge-offs | 21,000.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 464.0000% | 66 |
| Efficiency ratio | 72.8042% | 4,039 |
| Assets per employee ($millions) | 2.9944% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 2,172 |
| Loan loss allowance to noncurrent loans | 54.5382% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 3.1731% | 1,758 |
| Noncurrent loans to loans | 3.1047% | 2,082 |
| Net loans and leases to total assets | 68.4950% | 4,016 |
| Net loans and leases to deposits | 79.7768% | 4,647 |
| Net loans and leases to core deposits | 93.4009% | 5,215 |
| Total domestic deposits to total assets | 85.8582% | 2,790 |
| Equity capital to assets | 13.1871% | 1,666 |
| Core capital (leverage) ratio | 11.7753% | 2,014 |
| Tier 1 risk-based capital ratio | 18.0407% | 2,044 |
| Total risk-based capital ratio | 19.2983% | 1,990 |
| Memoranda: | ||
| Average total assets | $170,644,500 | 3,639 |
| Average earning assets | $147,100,500 | 3,809 |
| Average equity | $22,829,000 | 2,889 |
| Average total loans | $120,143,500 | 3,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5252% | 2,842 |
| Cost of funding earning assets | 2.0919% | 6,088 |
| Net interest margin | 4.4332% | 1,583 |
| Noninterest income to average assets | 0.9524% | 1,757 |
| Noninterest expense to average assets | 3.7508% | 1,854 |
| Loan and lease loss provision to assets | 0.4914% | 2,852 |
| Net operating income to assets | 0.3419% | 5,387 |
| Return on assets (ROA) | 0.3419% | 5,208 |
| Pretax return on assets | 0.6498% | 4,543 |
| Return on Equity (ROE) | 2.4655% | 5,434 |
| Retained earnings to average equity (ytd only) | -1.8298% | 5,825 |
| Net charge-offs to loans | 0.3720% | 2,981 |
| Credit loss provision to net charge-offs | 187.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | 4.3545% | 4,008 |
| Efficiency ratio | 66.1999% | 5,088 |
| Assets per employee ($millions) | 2.7935% | 6,570 |
| Cash dividends to net income (ytd only)* | 174.2160% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,486 |
| Loan loss allowance to noncurrent loans | 57.3566% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 2.9306% | 1,579 |
| Noncurrent loans to loans | 2.6895% | 2,014 |
| Net loans and leases to total assets | 70.0654% | 4,002 |
| Net loans and leases to deposits | 81.9080% | 4,746 |
| Net loans and leases to core deposits | 96.1299% | 5,246 |
| Total domestic deposits to total assets | 85.5416% | 2,610 |
| Equity capital to assets | 13.5760% | 1,577 |
| Core capital (leverage) ratio | 11.6131% | 2,184 |
| Tier 1 risk-based capital ratio | 17.7703% | 2,097 |
| Total risk-based capital ratio | 19.0256% | 2,037 |
| Memoranda: | ||
| Average total assets | $167,885,800 | 3,585 |
| Average earning assets | $149,191,800 | 3,671 |
| Average equity | $23,281,400 | 2,816 |
| Average total loans | $118,272,600 | 3,505 |