Home > St. Louis Bank > Performance and Condition Ratios
St. Louis Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8087% | 822 |
| Cost of funding earning assets | 2.5931% | 301 |
| Net interest margin | 3.2156% | 2,842 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.7109% | 1,707 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.3804% | 3,912 |
| Return on assets (ROA) | 0.3216% | 3,997 |
| Pretax return on assets | 0.3845% | 3,986 |
| Return on Equity (ROE) | 3.9200% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.9169% | 2,990 |
| Net charge-offs to loans | 0.0179% | 2,000 |
| Credit loss provision to net charge-offs | 1,151.1450% | 367 |
| Earnings coverage of net charge-offs (x) | 45.6718% | 1,347 |
| Efficiency ratio | 80.3288% | 894 |
| Assets per employee ($millions) | 12.8349% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,633 |
| Loan loss allowance to noncurrent loans | 255.2731% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 513 |
| Noncurrent loans to loans | 0.5225% | 1,484 |
| Net loans and leases to total assets | 78.9900% | 764 |
| Net loans and leases to deposits | 90.1795% | 1,245 |
| Net loans and leases to core deposits | 130.0404% | 399 |
| Total domestic deposits to total assets | 87.5900% | 1,490 |
| Equity capital to assets | 8.2130% | 3,269 |
| Core capital (leverage) ratio | 8.7339% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9165% | 2,827 |
| Memoranda: | ||
| Average total assets | $901,255,600 | 1,082 |
| Average earning assets | $841,527,800 | 1,068 |
| Average equity | $73,988,000 | 1,196 |
| Average total loans | $732,056,800 | 921 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6443% | 857 |
| Cost of funding earning assets | 2.4472% | 301 |
| Net interest margin | 3.1971% | 2,922 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.4957% | 2,242 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.5425% | 3,675 |
| Return on assets (ROA) | 0.5415% | 3,661 |
| Pretax return on assets | 0.6759% | 3,595 |
| Return on Equity (ROE) | 6.6000% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.5967% | 2,433 |
| Net charge-offs to loans | -0.0051% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6569% | 1,205 |
| Assets per employee ($millions) | 12.1327% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,034 |
| Loan loss allowance to noncurrent loans | 362.8249% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 540 |
| Noncurrent loans to loans | 0.3486% | 1,974 |
| Net loans and leases to total assets | 79.4700% | 710 |
| Net loans and leases to deposits | 90.2028% | 1,225 |
| Net loans and leases to core deposits | 134.1744% | 288 |
| Total domestic deposits to total assets | 88.1000% | 1,533 |
| Equity capital to assets | 8.0334% | 3,035 |
| Core capital (leverage) ratio | 8.8811% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2351% | 2,778 |
| Memoranda: | ||
| Average total assets | $889,124,750 | 1,096 |
| Average earning assets | $830,574,500 | 1,084 |
| Average equity | $72,983,750 | 1,203 |
| Average total loans | $724,988,000 | 925 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 967 |
| Cost of funding earning assets | 2.1972% | 338 |
| Net interest margin | 3.1913% | 3,014 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.6001% | 1,931 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5304% | 3,746 |
| Return on assets (ROA) | 0.5289% | 3,755 |
| Pretax return on assets | 0.6574% | 3,688 |
| Return on Equity (ROE) | 6.3900% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.3943% | 2,479 |
| Net charge-offs to loans | -0.0065% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.9854% | 1,003 |
| Assets per employee ($millions) | 11.1201% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,259 |
| Loan loss allowance to noncurrent loans | 278.5147% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 411 |
| Noncurrent loans to loans | 0.4432% | 1,614 |
| Net loans and leases to total assets | 79.9700% | 627 |
| Net loans and leases to deposits | 91.2212% | 1,086 |
| Net loans and leases to core deposits | 137.3688% | 240 |
| Total domestic deposits to total assets | 87.6600% | 1,721 |
| Equity capital to assets | 8.3092% | 3,020 |
| Core capital (leverage) ratio | 9.3447% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2722% | 2,805 |
| Memoranda: | ||
| Average total assets | $870,050,000 | 1,102 |
| Average earning assets | $812,573,000 | 1,091 |
| Average equity | $71,970,333 | 1,215 |
| Average total loans | $712,747,333 | 922 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 886 |
| Cost of funding earning assets | 1.9221% | 348 |
| Net interest margin | 3.3294% | 2,798 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.6243% | 1,884 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5120% | 3,869 |
| Return on assets (ROA) | 0.5120% | 3,832 |
| Pretax return on assets | 0.6892% | 3,686 |
| Return on Equity (ROE) | 6.2100% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.2050% | 2,714 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.6420% | 942 |
| Assets per employee ($millions) | 10.4057% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,236 |
| Loan loss allowance to noncurrent loans | 272.4042% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 339 |
| Noncurrent loans to loans | 0.4630% | 1,558 |
| Net loans and leases to total assets | 78.9500% | 647 |
| Net loans and leases to deposits | 90.5830% | 1,005 |
| Net loans and leases to core deposits | 129.9873% | 275 |
| Total domestic deposits to total assets | 87.1600% | 2,210 |
| Equity capital to assets | 8.6356% | 2,796 |
| Core capital (leverage) ratio | 9.5817% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0078% | 2,728 |
| Memoranda: | ||
| Average total assets | $849,150,000 | 1,140 |
| Average earning assets | $794,745,000 | 1,120 |
| Average equity | $70,072,000 | 1,249 |
| Average total loans | $699,977,500 | 955 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 1,037 |
| Cost of funding earning assets | 0.5576% | 1,079 |
| Net interest margin | 3.7483% | 1,269 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.9100% | 1,111 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 0.6209% | 3,828 |
| Return on assets (ROA) | 0.6209% | 3,777 |
| Pretax return on assets | 0.7722% | 3,690 |
| Return on Equity (ROE) | 8.0200% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.5138% | 2,022 |
| Net charge-offs to loans | 0.0478% | 1,205 |
| Credit loss provision to net charge-offs | 778.7770% | 501 |
| Earnings coverage of net charge-offs (x) | 27.4712% | 1,731 |
| Efficiency ratio | 72.9731% | 1,330 |
| Assets per employee ($millions) | 9.5840% | 763 |
| Cash dividends to net income (ytd only)* | 6.3182% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,145 |
| Loan loss allowance to noncurrent loans | 94.2777% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 334 |
| Noncurrent loans to loans | 1.3262% | 518 |
| Net loans and leases to total assets | 83.9900% | 255 |
| Net loans and leases to deposits | 104.2576% | 289 |
| Net loans and leases to core deposits | 129.7765% | 226 |
| Total domestic deposits to total assets | 80.5600% | 3,809 |
| Equity capital to assets | 7.8452% | 3,154 |
| Core capital (leverage) ratio | 9.2265% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7410% | 3,002 |
| Memoranda: | ||
| Average total assets | $708,594,000 | 1,296 |
| Average earning assets | $672,200,000 | 1,272 |
| Average equity | $54,859,400 | 1,502 |
| Average total loans | $581,220,400 | 1,055 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 1,055 |
| Cost of funding earning assets | 0.3016% | 2,146 |
| Net interest margin | 3.8043% | 947 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.9839% | 924 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 0.7089% | 3,540 |
| Return on assets (ROA) | 0.7089% | 3,496 |
| Pretax return on assets | 0.8827% | 3,369 |
| Return on Equity (ROE) | 9.1900% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.4869% | 1,824 |
| Net charge-offs to loans | 0.0232% | 1,367 |
| Credit loss provision to net charge-offs | 1,593.7500% | 294 |
| Earnings coverage of net charge-offs (x) | 62.8125% | 1,147 |
| Efficiency ratio | 71.6115% | 1,575 |
| Assets per employee ($millions) | 8.2113% | 1,214 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 1,769 |
| Loan loss allowance to noncurrent loans | 125.7298% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 514 |
| Noncurrent loans to loans | 1.0802% | 698 |
| Net loans and leases to total assets | 83.5500% | 281 |
| Net loans and leases to deposits | 91.2752% | 808 |
| Net loans and leases to core deposits | 125.2846% | 185 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 7.2394% | 3,376 |
| Core capital (leverage) ratio | 8.1465% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3846% | 3,103 |
| Memoranda: | ||
| Average total assets | $679,686,250 | 1,343 |
| Average earning assets | $646,380,500 | 1,319 |
| Average equity | $52,408,750 | 1,582 |
| Average total loans | $551,270,750 | 1,097 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 1,108 |
| Cost of funding earning assets | 0.2177% | 2,666 |
| Net interest margin | 3.6850% | 933 |
| Noninterest income to average assets | 0.5759% | 1,843 |
| Noninterest expense to average assets | 2.9102% | 977 |
| Loan and lease loss provision to assets | 0.3126% | 210 |
| Net operating income to assets | 0.6895% | 3,342 |
| Return on assets (ROA) | 0.6895% | 3,297 |
| Pretax return on assets | 0.8533% | 3,193 |
| Return on Equity (ROE) | 8.7488% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.6886% | 1,732 |
| Net charge-offs to loans | 0.0576% | 821 |
| Credit loss provision to net charge-offs | 679.7386% | 526 |
| Earnings coverage of net charge-offs (x) | 25.3529% | 1,464 |
| Efficiency ratio | 71.3959% | 1,785 |
| Assets per employee ($millions) | 8.1879% | 1,206 |
| Cash dividends to net income (ytd only)* | 12.1186% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,925 |
| Loan loss allowance to noncurrent loans | 119.0038% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 545 |
| Noncurrent loans to loans | 1.1419% | 710 |
| Net loans and leases to total assets | 79.1257% | 472 |
| Net loans and leases to deposits | 85.4704% | 1,015 |
| Net loans and leases to core deposits | 117.4334% | 227 |
| Total domestic deposits to total assets | 92.5767% | 627 |
| Equity capital to assets | 7.1833% | 3,674 |
| Core capital (leverage) ratio | 7.8536% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5042% | 3,069 |
| Memoranda: | ||
| Average total assets | $665,385,000 | 1,367 |
| Average earning assets | $632,013,333 | 1,350 |
| Average equity | $52,441,333 | 1,620 |
| Average total loans | $531,013,667 | 1,121 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7951% | 1,093 |
| Cost of funding earning assets | 0.2130% | 2,623 |
| Net interest margin | 3.5821% | 927 |
| Noninterest income to average assets | 0.8942% | 848 |
| Noninterest expense to average assets | 3.1008% | 688 |
| Loan and lease loss provision to assets | 0.3614% | 159 |
| Net operating income to assets | 0.6718% | 3,152 |
| Return on assets (ROA) | 0.6718% | 3,137 |
| Pretax return on assets | 0.8269% | 3,025 |
| Return on Equity (ROE) | 8.1240% | 2,635 |
| Retained earnings to average equity (ytd only) | 7.0840% | 1,865 |
| Net charge-offs to loans | 0.1903% | 323 |
| Credit loss provision to net charge-offs | 238.6831% | 732 |
| Earnings coverage of net charge-offs (x) | 7.8477% | 1,531 |
| Efficiency ratio | 72.2941% | 1,939 |
| Assets per employee ($millions) | 7.5797% | 1,639 |
| Cash dividends to net income (ytd only)* | 12.8015% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 2,100 |
| Loan loss allowance to noncurrent loans | 118.3757% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 593 |
| Noncurrent loans to loans | 1.1438% | 780 |
| Net loans and leases to total assets | 77.9252% | 380 |
| Net loans and leases to deposits | 84.6753% | 837 |
| Net loans and leases to core deposits | 111.4197% | 230 |
| Total domestic deposits to total assets | 92.0282% | 569 |
| Equity capital to assets | 7.7384% | 3,778 |
| Core capital (leverage) ratio | 8.4461% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9674% | 3,054 |
| Memoranda: | ||
| Average total assets | $641,903,000 | 1,405 |
| Average earning assets | $608,360,000 | 1,393 |
| Average equity | $53,077,000 | 1,648 |
| Average total loans | $510,812,500 | 1,142 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 2,374 |
| Cost of funding earning assets | 0.3080% | 2,319 |
| Net interest margin | 3.2987% | 2,320 |
| Noninterest income to average assets | 0.5501% | 2,363 |
| Noninterest expense to average assets | 2.7127% | 1,603 |
| Loan and lease loss provision to assets | 0.1223% | 1,006 |
| Net operating income to assets | 0.6644% | 3,708 |
| Return on assets (ROA) | 0.6644% | 3,764 |
| Pretax return on assets | 0.8572% | 3,601 |
| Return on Equity (ROE) | 8.2130% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.1669% | 1,854 |
| Net charge-offs to loans | -0.0173% | 3,928 |
| Credit loss provision to net charge-offs | -935.2941% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4706% | 1,368 |
| Assets per employee ($millions) | 7.4294% | 1,655 |
| Cash dividends to net income (ytd only)* | 12.7374% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,896 |
| Loan loss allowance to noncurrent loans | 2,939.3162% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,743 |
| Noncurrent loans to loans | 0.0479% | 3,742 |
| Net loans and leases to total assets | 79.0945% | 313 |
| Net loans and leases to deposits | 87.0346% | 714 |
| Net loans and leases to core deposits | 105.3072% | 386 |
| Total domestic deposits to total assets | 90.8771% | 538 |
| Equity capital to assets | 8.8559% | 3,755 |
| Core capital (leverage) ratio | 8.7127% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7122% | 2,950 |
| Memoranda: | ||
| Average total assets | $649,904,800 | 1,362 |
| Average earning assets | $619,057,000 | 1,341 |
| Average equity | $52,575,000 | 1,688 |
| Average total loans | $490,871,800 | 1,185 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 2,887 |
| Cost of funding earning assets | 0.3268% | 2,334 |
| Net interest margin | 3.1554% | 2,876 |
| Noninterest income to average assets | 0.6031% | 2,205 |
| Noninterest expense to average assets | 2.5413% | 2,000 |
| Loan and lease loss provision to assets | 0.1060% | 1,141 |
| Net operating income to assets | 0.7367% | 3,681 |
| Return on assets (ROA) | 0.7367% | 3,744 |
| Pretax return on assets | 0.9655% | 3,553 |
| Return on Equity (ROE) | 9.3097% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.2580% | 1,971 |
| Net charge-offs to loans | -0.0195% | 3,959 |
| Credit loss provision to net charge-offs | -729.1667% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3399% | 1,566 |
| Assets per employee ($millions) | 8.5867% | 1,018 |
| Cash dividends to net income (ytd only)* | 11.2970% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 2,192 |
| Loan loss allowance to noncurrent loans | 316.7627% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 2,069 |
| Noncurrent loans to loans | 0.4283% | 2,274 |
| Net loans and leases to total assets | 74.4517% | 656 |
| Net loans and leases to deposits | 81.5321% | 1,152 |
| Net loans and leases to core deposits | 104.1181% | 453 |
| Total domestic deposits to total assets | 91.3158% | 284 |
| Equity capital to assets | 8.3626% | 4,299 |
| Core capital (leverage) ratio | 8.0636% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1024% | 2,946 |
| Memoranda: | ||
| Average total assets | $660,077,750 | 1,356 |
| Average earning assets | $629,597,000 | 1,335 |
| Average equity | $52,231,000 | 1,720 |
| Average total loans | $491,406,750 | 1,201 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3785% | 3,235 |
| Cost of funding earning assets | 0.3383% | 2,424 |
| Net interest margin | 3.0402% | 3,211 |
| Noninterest income to average assets | 0.8382% | 1,432 |
| Noninterest expense to average assets | 2.5463% | 2,011 |
| Loan and lease loss provision to assets | 0.1503% | 789 |
| Net operating income to assets | 0.8028% | 3,505 |
| Return on assets (ROA) | 0.8028% | 3,579 |
| Pretax return on assets | 1.0450% | 3,344 |
| Return on Equity (ROE) | 10.3348% | 2,645 |
| Retained earnings to average equity (ytd only) | 9.2746% | 1,630 |
| Net charge-offs to loans | -0.0442% | 4,314 |
| Credit loss provision to net charge-offs | -458.7156% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0537% | 1,876 |
| Assets per employee ($millions) | 8.5215% | 1,000 |
| Cash dividends to net income (ytd only)* | 10.2583% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,238 |
| Loan loss allowance to noncurrent loans | 305.3142% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,793 |
| Noncurrent loans to loans | 0.4393% | 2,355 |
| Net loans and leases to total assets | 72.1984% | 942 |
| Net loans and leases to deposits | 78.6263% | 1,564 |
| Net loans and leases to core deposits | 105.3707% | 490 |
| Total domestic deposits to total assets | 91.8247% | 162 |
| Equity capital to assets | 7.8772% | 4,587 |
| Core capital (leverage) ratio | 7.7263% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5373% | 2,850 |
| Memoranda: | ||
| Average total assets | $665,437,000 | 1,342 |
| Average earning assets | $635,489,000 | 1,324 |
| Average equity | $51,689,667 | 1,726 |
| Average total loans | $493,187,667 | 1,202 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 3,535 |
| Cost of funding earning assets | 0.3551% | 2,487 |
| Net interest margin | 2.9089% | 3,490 |
| Noninterest income to average assets | 0.4444% | 2,850 |
| Noninterest expense to average assets | 2.3254% | 2,707 |
| Loan and lease loss provision to assets | 0.1391% | 969 |
| Net operating income to assets | 0.5950% | 3,958 |
| Return on assets (ROA) | 0.5950% | 4,018 |
| Pretax return on assets | 0.7637% | 3,879 |
| Return on Equity (ROE) | 7.7146% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.6405% | 2,682 |
| Net charge-offs to loans | -0.0908% | 4,603 |
| Credit loss provision to net charge-offs | -205.3571% | 2,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0360% | 1,494 |
| Assets per employee ($millions) | 9.3634% | 737 |
| Cash dividends to net income (ytd only)* | 13.9228% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,773 |
| Loan loss allowance to noncurrent loans | 216.3823% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 2,034 |
| Noncurrent loans to loans | 0.5674% | 2,156 |
| Net loans and leases to total assets | 75.6560% | 663 |
| Net loans and leases to deposits | 82.2045% | 1,321 |
| Net loans and leases to core deposits | 110.5350% | 394 |
| Total domestic deposits to total assets | 92.0338% | 135 |
| Equity capital to assets | 7.6595% | 4,652 |
| Core capital (leverage) ratio | 7.5489% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3769% | 2,848 |
| Memoranda: | ||
| Average total assets | $661,556,000 | 1,337 |
| Average earning assets | $633,096,000 | 1,316 |
| Average equity | $51,020,000 | 1,736 |
| Average total loans | $493,458,500 | 1,197 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,212 |
| Cost of funding earning assets | 0.7717% | 1,336 |
| Net interest margin | 3.4050% | 2,762 |
| Noninterest income to average assets | 0.3934% | 3,131 |
| Noninterest expense to average assets | 2.6896% | 2,270 |
| Loan and lease loss provision to assets | 0.2166% | 1,814 |
| Net operating income to assets | 0.5870% | 3,797 |
| Return on assets (ROA) | 0.5870% | 3,899 |
| Pretax return on assets | 0.7493% | 3,765 |
| Return on Equity (ROE) | 7.0958% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.8907% | 1,847 |
| Net charge-offs to loans | -0.0478% | 4,657 |
| Credit loss provision to net charge-offs | -578.1395% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5768% | 1,497 |
| Assets per employee ($millions) | 9.1401% | 705 |
| Cash dividends to net income (ytd only)* | 16.9834% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,546 |
| Loan loss allowance to noncurrent loans | 196.5913% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 2,091 |
| Noncurrent loans to loans | 0.6484% | 2,056 |
| Net loans and leases to total assets | 71.5826% | 1,351 |
| Net loans and leases to deposits | 86.9664% | 1,177 |
| Net loans and leases to core deposits | 107.8221% | 576 |
| Total domestic deposits to total assets | 82.3106% | 3,592 |
| Equity capital to assets | 7.7667% | 4,783 |
| Core capital (leverage) ratio | 9.0118% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5501% | 2,785 |
| Memoranda: | ||
| Average total assets | $573,757,000 | 1,388 |
| Average earning assets | $549,692,200 | 1,349 |
| Average equity | $47,464,600 | 1,776 |
| Average total loans | $450,070,400 | 1,225 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 3,792 |
| Cost of funding earning assets | 0.8529% | 1,246 |
| Net interest margin | 2.8508% | 4,263 |
| Noninterest income to average assets | 1.1761% | 767 |
| Noninterest expense to average assets | 2.7650% | 2,074 |
| Loan and lease loss provision to assets | 0.2982% | 1,351 |
| Net operating income to assets | 0.6612% | 3,591 |
| Return on assets (ROA) | 0.6612% | 3,695 |
| Pretax return on assets | 0.8433% | 3,532 |
| Return on Equity (ROE) | 7.7583% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.5422% | 1,872 |
| Net charge-offs to loans | -0.0353% | 4,581 |
| Credit loss provision to net charge-offs | -1,053.3898% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7793% | 1,778 |
| Assets per employee ($millions) | 9.3132% | 633 |
| Cash dividends to net income (ytd only)* | 15.6749% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,073 |
| Loan loss allowance to noncurrent loans | 165.9916% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 1,971 |
| Noncurrent loans to loans | 0.6773% | 2,098 |
| Net loans and leases to total assets | 81.9542% | 435 |
| Net loans and leases to deposits | 109.0622% | 245 |
| Net loans and leases to core deposits | 141.5737% | 156 |
| Total domestic deposits to total assets | 75.1444% | 4,492 |
| Equity capital to assets | 7.8990% | 4,746 |
| Core capital (leverage) ratio | 9.1178% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2640% | 2,853 |
| Memoranda: | ||
| Average total assets | $555,733,250 | 1,411 |
| Average earning assets | $532,278,000 | 1,372 |
| Average equity | $47,363,250 | 1,765 |
| Average total loans | $445,894,250 | 1,229 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,691 |
| Cost of funding earning assets | 0.9516% | 1,140 |
| Net interest margin | 2.9216% | 4,274 |
| Noninterest income to average assets | 1.5430% | 430 |
| Noninterest expense to average assets | 2.9056% | 1,813 |
| Loan and lease loss provision to assets | 0.4692% | 807 |
| Net operating income to assets | 0.7556% | 3,200 |
| Return on assets (ROA) | 0.7556% | 3,317 |
| Pretax return on assets | 0.9632% | 3,138 |
| Return on Equity (ROE) | 8.6151% | 2,527 |
| Retained earnings to average equity (ytd only) | 7.3543% | 1,519 |
| Net charge-offs to loans | -0.0534% | 4,697 |
| Credit loss provision to net charge-offs | -1,109.8214% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9799% | 2,378 |
| Assets per employee ($millions) | 9.4790% | 588 |
| Cash dividends to net income (ytd only)* | 14.6354% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,743 |
| Loan loss allowance to noncurrent loans | 159.9295% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 1,991 |
| Noncurrent loans to loans | 0.7232% | 2,070 |
| Net loans and leases to total assets | 79.3203% | 682 |
| Net loans and leases to deposits | 105.3039% | 334 |
| Net loans and leases to core deposits | 139.0791% | 176 |
| Total domestic deposits to total assets | 75.3251% | 4,489 |
| Equity capital to assets | 7.7831% | 4,812 |
| Core capital (leverage) ratio | 8.8911% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4058% | 2,856 |
| Memoranda: | ||
| Average total assets | $529,878,000 | 1,434 |
| Average earning assets | $506,913,333 | 1,402 |
| Average equity | $46,476,333 | 1,780 |
| Average total loans | $419,553,667 | 1,277 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,838 |
| Cost of funding earning assets | 1.1265% | 965 |
| Net interest margin | 3.1999% | 3,852 |
| Noninterest income to average assets | 0.5548% | 2,255 |
| Noninterest expense to average assets | 2.8194% | 2,376 |
| Loan and lease loss provision to assets | 0.1534% | 1,864 |
| Net operating income to assets | 0.5029% | 3,887 |
| Return on assets (ROA) | 0.5029% | 3,948 |
| Pretax return on assets | 0.6294% | 3,870 |
| Return on Equity (ROE) | 5.3334% | 3,529 |
| Retained earnings to average equity (ytd only) | 3.8934% | 2,719 |
| Net charge-offs to loans | -0.0833% | 4,780 |
| Credit loss provision to net charge-offs | -234.6154% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2690% | 1,303 |
| Assets per employee ($millions) | 7.5552% | 878 |
| Cash dividends to net income (ytd only)* | 27.0000% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,434 |
| Loan loss allowance to noncurrent loans | 117.8160% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 642 |
| Noncurrent loans to loans | 1.0554% | 1,569 |
| Net loans and leases to total assets | 77.6432% | 1,035 |
| Net loans and leases to deposits | 86.2805% | 1,962 |
| Net loans and leases to core deposits | 130.2077% | 265 |
| Total domestic deposits to total assets | 89.9893% | 326 |
| Equity capital to assets | 9.6244% | 4,109 |
| Core capital (leverage) ratio | 9.4231% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1439% | 3,057 |
| Memoranda: | ||
| Average total assets | $477,271,000 | 1,514 |
| Average earning assets | $454,516,500 | 1,482 |
| Average equity | $44,999,500 | 1,816 |
| Average total loans | $374,504,500 | 1,369 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 3,590 |
| Cost of funding earning assets | 1.3325% | 698 |
| Net interest margin | 2.9483% | 4,583 |
| Noninterest income to average assets | 0.5027% | 2,721 |
| Noninterest expense to average assets | 2.4886% | 3,483 |
| Loan and lease loss provision to assets | 0.1847% | 1,118 |
| Net operating income to assets | 0.4851% | 4,440 |
| Return on assets (ROA) | 0.4849% | 4,488 |
| Pretax return on assets | 0.6465% | 4,335 |
| Return on Equity (ROE) | 5.2271% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.7063% | 3,141 |
| Net charge-offs to loans | 0.1606% | 1,251 |
| Credit loss provision to net charge-offs | 153.4196% | 1,665 |
| Earnings coverage of net charge-offs (x) | 6.9057% | 2,921 |
| Efficiency ratio | 74.9581% | 1,493 |
| Assets per employee ($millions) | 7.7243% | 790 |
| Cash dividends to net income (ytd only)* | 29.0959% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,167 |
| Loan loss allowance to noncurrent loans | 140.5138% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 665 |
| Noncurrent loans to loans | 0.8903% | 1,725 |
| Net loans and leases to total assets | 77.3262% | 1,198 |
| Net loans and leases to deposits | 88.6073% | 1,759 |
| Net loans and leases to core deposits | 116.6962% | 574 |
| Total domestic deposits to total assets | 87.2685% | 1,479 |
| Equity capital to assets | 9.2209% | 4,556 |
| Core capital (leverage) ratio | 9.1360% | 4,415 |
| Tier 1 risk-based capital ratio | 10.4199% | 5,042 |
| Total risk-based capital ratio | 11.5876% | 5,002 |
| Memoranda: | ||
| Average total assets | $449,374,000 | 1,556 |
| Average earning assets | $429,403,000 | 1,507 |
| Average equity | $41,686,200 | 1,860 |
| Average total loans | $336,847,600 | 1,470 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 3,629 |
| Cost of funding earning assets | 1.3745% | 628 |
| Net interest margin | 2.9348% | 4,715 |
| Noninterest income to average assets | 0.4722% | 2,889 |
| Noninterest expense to average assets | 2.4339% | 3,601 |
| Loan and lease loss provision to assets | 0.1241% | 1,569 |
| Net operating income to assets | 0.5394% | 4,430 |
| Return on assets (ROA) | 0.5392% | 4,485 |
| Pretax return on assets | 0.7195% | 4,299 |
| Return on Equity (ROE) | 5.8033% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.2840% | 3,254 |
| Net charge-offs to loans | 0.2220% | 797 |
| Credit loss provision to net charge-offs | 75.4545% | 2,561 |
| Earnings coverage of net charge-offs (x) | 5.1309% | 2,945 |
| Efficiency ratio | 74.2542% | 1,527 |
| Assets per employee ($millions) | 7.8143% | 740 |
| Cash dividends to net income (ytd only)* | 26.1787% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,195 |
| Loan loss allowance to noncurrent loans | 95.9217% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 696 |
| Noncurrent loans to loans | 1.3104% | 1,180 |
| Net loans and leases to total assets | 73.8883% | 1,838 |
| Net loans and leases to deposits | 82.3499% | 2,640 |
| Net loans and leases to core deposits | 114.7750% | 719 |
| Total domestic deposits to total assets | 89.7249% | 364 |
| Equity capital to assets | 9.7392% | 4,255 |
| Core capital (leverage) ratio | 9.1961% | 4,478 |
| Tier 1 risk-based capital ratio | 11.3724% | 4,732 |
| Total risk-based capital ratio | 12.5367% | 4,672 |
| Memoranda: | ||
| Average total assets | $445,853,500 | 1,574 |
| Average earning assets | $426,230,250 | 1,530 |
| Average equity | $41,424,000 | 1,879 |
| Average total loans | $330,331,250 | 1,503 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 3,669 |
| Cost of funding earning assets | 1.3613% | 612 |
| Net interest margin | 2.9250% | 4,790 |
| Noninterest income to average assets | 0.2149% | 4,454 |
| Noninterest expense to average assets | 2.2844% | 4,040 |
| Loan and lease loss provision to assets | 0.0847% | 2,149 |
| Net operating income to assets | 0.4785% | 4,576 |
| Return on assets (ROA) | 0.4739% | 4,612 |
| Pretax return on assets | 0.6353% | 4,480 |
| Return on Equity (ROE) | 5.1821% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.6660% | 3,420 |
| Net charge-offs to loans | 0.1702% | 952 |
| Credit loss provision to net charge-offs | 67.3759% | 2,341 |
| Earnings coverage of net charge-offs (x) | 5.7730% | 2,619 |
| Efficiency ratio | 75.8886% | 1,409 |
| Assets per employee ($millions) | 8.9182% | 478 |
| Cash dividends to net income (ytd only)* | 29.2568% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,220 |
| Loan loss allowance to noncurrent loans | 134.8573% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 1,047 |
| Noncurrent loans to loans | 0.9314% | 1,756 |
| Net loans and leases to total assets | 73.3243% | 1,997 |
| Net loans and leases to deposits | 81.2856% | 2,809 |
| Net loans and leases to core deposits | 116.6844% | 658 |
| Total domestic deposits to total assets | 90.2058% | 277 |
| Equity capital to assets | 9.3975% | 4,505 |
| Core capital (leverage) ratio | 8.8686% | 4,741 |
| Tier 1 risk-based capital ratio | 11.0202% | 4,898 |
| Total risk-based capital ratio | 12.1683% | 4,861 |
| Memoranda: | ||
| Average total assets | $448,604,330 | 1,569 |
| Average earning assets | $428,721,000 | 1,532 |
| Average equity | $41,025,670 | 1,894 |
| Average total loans | $331,291,000 | 1,512 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 3,583 |
| Cost of funding earning assets | 1.3045% | 655 |
| Net interest margin | 2.9896% | 4,769 |
| Noninterest income to average assets | 0.1849% | 4,644 |
| Noninterest expense to average assets | 2.2100% | 4,239 |
| Loan and lease loss provision to assets | 0.0720% | 2,228 |
| Net operating income to assets | 0.5603% | 4,358 |
| Return on assets (ROA) | 0.5512% | 4,405 |
| Pretax return on assets | 0.7476% | 4,179 |
| Return on Equity (ROE) | 6.1104% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.6222% | 3,073 |
| Net charge-offs to loans | 0.2016% | 696 |
| Credit loss provision to net charge-offs | 48.5030% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.5988% | 2,252 |
| Efficiency ratio | 72.6688% | 1,934 |
| Assets per employee ($millions) | 9.6569% | 380 |
| Cash dividends to net income (ytd only)* | 24.3548% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,262 |
| Loan loss allowance to noncurrent loans | 127.4090% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 1,071 |
| Noncurrent loans to loans | 0.9906% | 1,690 |
| Net loans and leases to total assets | 70.2980% | 2,439 |
| Net loans and leases to deposits | 77.4273% | 3,121 |
| Net loans and leases to core deposits | 111.2012% | 872 |
| Total domestic deposits to total assets | 90.7922% | 211 |
| Equity capital to assets | 8.8633% | 4,771 |
| Core capital (leverage) ratio | 8.4015% | 5,061 |
| Tier 1 risk-based capital ratio | 10.9621% | 4,995 |
| Total risk-based capital ratio | 12.1153% | 4,940 |
| Memoranda: | ||
| Average total assets | $449,952,500 | 1,574 |
| Average earning assets | $429,895,500 | 1,536 |
| Average equity | $40,586,500 | 1,906 |
| Average total loans | $331,377,500 | 1,516 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 4,168 |
| Cost of funding earning assets | 1.0672% | 559 |
| Net interest margin | 2.8829% | 4,939 |
| Noninterest income to average assets | -0.0673% | 5,368 |
| Noninterest expense to average assets | 2.0435% | 4,674 |
| Loan and lease loss provision to assets | 0.0705% | 2,727 |
| Net operating income to assets | 0.4162% | 4,836 |
| Return on assets (ROA) | 0.4162% | 4,830 |
| Pretax return on assets | 0.5600% | 4,706 |
| Return on Equity (ROE) | 4.8341% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,684 |
| Net charge-offs to loans | 0.1116% | 1,636 |
| Credit loss provision to net charge-offs | 85.6354% | 2,777 |
| Earnings coverage of net charge-offs (x) | 7.6630% | 2,966 |
| Efficiency ratio | 76.4216% | 1,301 |
| Assets per employee ($millions) | 9.5026% | 397 |
| Cash dividends to net income (ytd only)* | 28.5090% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,177 |
| Loan loss allowance to noncurrent loans | 147.1443% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3015% | 978 |
| Noncurrent loans to loans | 0.8657% | 1,863 |
| Net loans and leases to total assets | 75.3713% | 1,717 |
| Net loans and leases to deposits | 83.4601% | 2,571 |
| Net loans and leases to core deposits | 105.8655% | 1,279 |
| Total domestic deposits to total assets | 90.3082% | 377 |
| Equity capital to assets | 9.3409% | 4,282 |
| Core capital (leverage) ratio | 9.3179% | 4,342 |
| Tier 1 risk-based capital ratio | 11.1201% | 4,912 |
| Total risk-based capital ratio | 12.3006% | 4,845 |
| Memoranda: | ||
| Average total assets | $439,984,000 | 1,561 |
| Average earning assets | $418,366,200 | 1,531 |
| Average equity | $37,877,000 | 1,945 |
| Average total loans | $324,399,000 | 1,499 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 4,230 |
| Cost of funding earning assets | 1.0435% | 491 |
| Net interest margin | 2.8493% | 5,038 |
| Noninterest income to average assets | 0.0439% | 5,352 |
| Noninterest expense to average assets | 1.9723% | 4,789 |
| Loan and lease loss provision to assets | 0.0499% | 2,991 |
| Net operating income to assets | 0.5425% | 4,665 |
| Return on assets (ROA) | 0.5425% | 4,672 |
| Pretax return on assets | 0.7297% | 4,469 |
| Return on Equity (ROE) | 6.4370% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.0369% | 3,220 |
| Net charge-offs to loans | 0.1503% | 1,094 |
| Credit loss provision to net charge-offs | 45.4545% | 2,866 |
| Earnings coverage of net charge-offs (x) | 7.0991% | 2,830 |
| Efficiency ratio | 71.6689% | 1,941 |
| Assets per employee ($millions) | 9.9528% | 340 |
| Cash dividends to net income (ytd only)* | 21.7514% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,312 |
| Loan loss allowance to noncurrent loans | 377.2978% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 1,210 |
| Noncurrent loans to loans | 0.3338% | 3,469 |
| Net loans and leases to total assets | 75.1929% | 1,781 |
| Net loans and leases to deposits | 83.3741% | 2,670 |
| Net loans and leases to core deposits | 109.9452% | 1,038 |
| Total domestic deposits to total assets | 90.1874% | 445 |
| Equity capital to assets | 9.4637% | 4,115 |
| Core capital (leverage) ratio | 9.2655% | 4,437 |
| Tier 1 risk-based capital ratio | 11.5296% | 4,778 |
| Total risk-based capital ratio | 12.7091% | 4,696 |
| Memoranda: | ||
| Average total assets | $440,700,000 | 1,572 |
| Average earning assets | $418,847,750 | 1,537 |
| Average equity | $37,138,500 | 1,980 |
| Average total loans | $322,070,250 | 1,516 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,319 |
| Cost of funding earning assets | 1.0129% | 449 |
| Net interest margin | 2.7971% | 5,121 |
| Noninterest income to average assets | 0.0665% | 5,363 |
| Noninterest expense to average assets | 1.8474% | 5,036 |
| Loan and lease loss provision to assets | 0.0629% | 2,643 |
| Net operating income to assets | 0.6086% | 4,470 |
| Return on assets (ROA) | 0.6086% | 4,477 |
| Pretax return on assets | 0.8163% | 4,201 |
| Return on Equity (ROE) | 7.5186% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.0804% | 2,508 |
| Net charge-offs to loans | 0.1945% | 806 |
| Credit loss provision to net charge-offs | 44.8718% | 2,526 |
| Earnings coverage of net charge-offs (x) | 6.2692% | 2,645 |
| Efficiency ratio | 67.7547% | 2,687 |
| Assets per employee ($millions) | 12.5139% | 172 |
| Cash dividends to net income (ytd only)* | 19.1285% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,182 |
| Loan loss allowance to noncurrent loans | 422.8250% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1716% | 1,236 |
| Noncurrent loans to loans | 0.3067% | 3,611 |
| Net loans and leases to total assets | 69.8037% | 2,608 |
| Net loans and leases to deposits | 76.1795% | 3,306 |
| Net loans and leases to core deposits | 99.2163% | 1,796 |
| Total domestic deposits to total assets | 91.6306% | 133 |
| Equity capital to assets | 8.0040% | 5,222 |
| Core capital (leverage) ratio | 7.7933% | 5,401 |
| Tier 1 risk-based capital ratio | 10.1623% | 5,385 |
| Total risk-based capital ratio | 11.3470% | 5,336 |
| Memoranda: | ||
| Average total assets | $444,943,000 | 1,568 |
| Average earning assets | $423,145,330 | 1,535 |
| Average equity | $36,017,330 | 2,033 |
| Average total loans | $320,790,670 | 1,522 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,309 |
| Cost of funding earning assets | 0.9789% | 412 |
| Net interest margin | 2.7874% | 5,167 |
| Noninterest income to average assets | 0.0597% | 5,450 |
| Noninterest expense to average assets | 1.7830% | 5,169 |
| Loan and lease loss provision to assets | 0.0633% | 2,504 |
| Net operating income to assets | 0.6495% | 4,278 |
| Return on assets (ROA) | 0.6495% | 4,288 |
| Pretax return on assets | 0.8639% | 3,969 |
| Return on Equity (ROE) | 7.9784% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.9784% | 1,842 |
| Net charge-offs to loans | 0.0398% | 1,739 |
| Credit loss provision to net charge-offs | 218.7500% | 987 |
| Earnings coverage of net charge-offs (x) | 32.0313% | 1,202 |
| Efficiency ratio | 65.7877% | 3,208 |
| Assets per employee ($millions) | 12.9090% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,961 |
| Loan loss allowance to noncurrent loans | 291.1469% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.4032% | 1,034 |
| Noncurrent loans to loans | 0.4699% | 3,120 |
| Net loans and leases to total assets | 67.3476% | 2,843 |
| Net loans and leases to deposits | 73.2428% | 3,490 |
| Net loans and leases to core deposits | 137.1467% | 245 |
| Total domestic deposits to total assets | 91.9512% | 113 |
| Equity capital to assets | 7.7680% | 5,347 |
| Core capital (leverage) ratio | 7.5706% | 5,501 |
| Tier 1 risk-based capital ratio | 10.4362% | 5,372 |
| Total risk-based capital ratio | 11.6865% | 5,296 |
| Memoranda: | ||
| Average total assets | $442,165,000 | 1,586 |
| Average earning assets | $420,456,500 | 1,552 |
| Average equity | $35,997,000 | 2,042 |
| Average total loans | $321,888,000 | 1,516 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 4,438 |
| Cost of funding earning assets | 0.7323% | 884 |
| Net interest margin | 2.9233% | 5,011 |
| Noninterest income to average assets | -0.0155% | 5,632 |
| Noninterest expense to average assets | 1.9232% | 5,088 |
| Loan and lease loss provision to assets | 0.1264% | 1,811 |
| Net operating income to assets | -0.2690% | 5,465 |
| Return on assets (ROA) | -0.2690% | 5,466 |
| Pretax return on assets | 0.6799% | 4,557 |
| Return on Equity (ROE) | -2.9534% | 5,487 |
| Retained earnings to average equity (ytd only) | -2.9534% | 5,341 |
| Net charge-offs to loans | 0.0818% | 2,290 |
| Credit loss provision to net charge-offs | 210.4247% | 1,296 |
| Earnings coverage of net charge-offs (x) | 13.4247% | 2,395 |
| Efficiency ratio | 70.4588% | 2,479 |
| Assets per employee ($millions) | 12.0240% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,123 |
| Loan loss allowance to noncurrent loans | 266.6047% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 2.1051% | 516 |
| Noncurrent loans to loans | 0.4944% | 3,042 |
| Net loans and leases to total assets | 76.5495% | 1,503 |
| Net loans and leases to deposits | 84.6005% | 2,422 |
| Net loans and leases to core deposits | 140.6601% | 204 |
| Total domestic deposits to total assets | 90.4836% | 404 |
| Equity capital to assets | 8.8226% | 4,877 |
| Core capital (leverage) ratio | 8.4044% | 5,220 |
| Tier 1 risk-based capital ratio | 10.1817% | 5,488 |
| Total risk-based capital ratio | 11.4226% | 5,413 |
| Memoranda: | ||
| Average total assets | $431,217,200 | 1,610 |
| Average earning assets | $404,912,600 | 1,583 |
| Average equity | $39,276,200 | 1,887 |
| Average total loans | $316,710,000 | 1,499 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 4,593 |
| Cost of funding earning assets | 0.7140% | 904 |
| Net interest margin | 2.8721% | 5,127 |
| Noninterest income to average assets | 0.1346% | 5,335 |
| Noninterest expense to average assets | 1.8631% | 5,185 |
| Loan and lease loss provision to assets | 0.0307% | 3,506 |
| Net operating income to assets | 0.5904% | 4,423 |
| Return on assets (ROA) | 0.5904% | 4,462 |
| Pretax return on assets | 0.9346% | 3,919 |
| Return on Equity (ROE) | 6.4333% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.4333% | 1,995 |
| Net charge-offs to loans | -0.0212% | 4,868 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8698% | 3,232 |
| Assets per employee ($millions) | 12.0478% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,364 |
| Loan loss allowance to noncurrent loans | 157.6617% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.5055% | 430 |
| Noncurrent loans to loans | 0.8228% | 2,311 |
| Net loans and leases to total assets | 75.1922% | 1,728 |
| Net loans and leases to deposits | 85.6449% | 2,347 |
| Net loans and leases to core deposits | 140.6028% | 197 |
| Total domestic deposits to total assets | 87.7953% | 1,469 |
| Equity capital to assets | 9.6390% | 4,307 |
| Core capital (leverage) ratio | 8.6983% | 5,065 |
| Tier 1 risk-based capital ratio | 10.9295% | 5,285 |
| Total risk-based capital ratio | 12.1594% | 5,184 |
| Memoranda: | ||
| Average total assets | $433,811,500 | 1,606 |
| Average earning assets | $406,898,500 | 1,585 |
| Average equity | $39,813,000 | 1,883 |
| Average total loans | $314,274,000 | 1,516 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 4,783 |
| Cost of funding earning assets | 0.7091% | 852 |
| Net interest margin | 2.7856% | 5,265 |
| Noninterest income to average assets | 0.1224% | 5,435 |
| Noninterest expense to average assets | 1.8540% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5522% | 4,511 |
| Return on assets (ROA) | 0.5522% | 4,554 |
| Pretax return on assets | 0.8811% | 3,990 |
| Return on Equity (ROE) | 6.1160% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.1160% | 2,048 |
| Net charge-offs to loans | -0.1321% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7856% | 3,054 |
| Assets per employee ($millions) | 12.3903% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,176 |
| Loan loss allowance to noncurrent loans | 123.5587% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.4174% | 466 |
| Noncurrent loans to loans | 1.0922% | 1,796 |
| Net loans and leases to total assets | 69.1952% | 2,634 |
| Net loans and leases to deposits | 76.3639% | 3,299 |
| Net loans and leases to core deposits | 131.8684% | 278 |
| Total domestic deposits to total assets | 90.6125% | 319 |
| Equity capital to assets | 8.9943% | 4,911 |
| Core capital (leverage) ratio | 8.1807% | 5,440 |
| Tier 1 risk-based capital ratio | 10.9074% | 5,305 |
| Total risk-based capital ratio | 12.1604% | 5,210 |
| Memoranda: | ||
| Average total assets | $437,857,670 | 1,597 |
| Average earning assets | $410,677,330 | 1,577 |
| Average equity | $39,535,670 | 1,889 |
| Average total loans | $311,954,670 | 1,521 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 4,852 |
| Cost of funding earning assets | 0.7047% | 825 |
| Net interest margin | 2.7362% | 5,340 |
| Noninterest income to average assets | 0.1051% | 5,569 |
| Noninterest expense to average assets | 1.8277% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5275% | 4,483 |
| Return on assets (ROA) | 0.5275% | 4,522 |
| Pretax return on assets | 0.8410% | 3,968 |
| Return on Equity (ROE) | 5.8302% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.8302% | 2,422 |
| Net charge-offs to loans | -0.2453% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4865% | 3,124 |
| Assets per employee ($millions) | 11.2756% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,410 |
| Loan loss allowance to noncurrent loans | 112.9058% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 482 |
| Noncurrent loans to loans | 1.1746% | 1,732 |
| Net loans and leases to total assets | 69.4178% | 2,476 |
| Net loans and leases to deposits | 76.3681% | 3,152 |
| Net loans and leases to core deposits | 130.6473% | 259 |
| Total domestic deposits to total assets | 90.8989% | 331 |
| Equity capital to assets | 8.7683% | 5,027 |
| Core capital (leverage) ratio | 8.0769% | 5,523 |
| Tier 1 risk-based capital ratio | 10.5408% | 5,525 |
| Total risk-based capital ratio | 11.7831% | 5,446 |
| Memoranda: | ||
| Average total assets | $433,761,000 | 1,624 |
| Average earning assets | $406,405,000 | 1,605 |
| Average equity | $39,244,000 | 1,901 |
| Average total loans | $311,498,000 | 1,524 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 4,614 |
| Cost of funding earning assets | 0.6407% | 1,101 |
| Net interest margin | 2.9192% | 5,099 |
| Noninterest income to average assets | 0.0308% | 5,811 |
| Noninterest expense to average assets | 1.9609% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4991% | 4,641 |
| Return on assets (ROA) | 0.5269% | 4,613 |
| Pretax return on assets | 0.8539% | 3,994 |
| Return on Equity (ROE) | 5.5247% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.5247% | 2,000 |
| Net charge-offs to loans | -0.0632% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7575% | 2,785 |
| Assets per employee ($millions) | 9.9166% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,470 |
| Loan loss allowance to noncurrent loans | 167.1660% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 2.4415% | 498 |
| Noncurrent loans to loans | 0.7861% | 2,552 |
| Net loans and leases to total assets | 72.4325% | 2,104 |
| Net loans and leases to deposits | 80.2146% | 2,866 |
| Net loans and leases to core deposits | 119.4687% | 499 |
| Total domestic deposits to total assets | 90.2984% | 517 |
| Equity capital to assets | 9.3496% | 4,427 |
| Core capital (leverage) ratio | 8.7623% | 5,014 |
| Tier 1 risk-based capital ratio | 10.6840% | 5,492 |
| Total risk-based capital ratio | 11.9142% | 5,420 |
| Memoranda: | ||
| Average total assets | $402,509,800 | 1,672 |
| Average earning assets | $377,880,400 | 1,648 |
| Average equity | $38,391,000 | 1,916 |
| Average total loans | $288,092,400 | 1,571 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,616 |
| Cost of funding earning assets | 0.6248% | 1,173 |
| Net interest margin | 2.9526% | 5,092 |
| Noninterest income to average assets | 0.0314% | 5,878 |
| Noninterest expense to average assets | 2.0226% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4828% | 4,755 |
| Return on assets (ROA) | 0.5203% | 4,720 |
| Pretax return on assets | 0.8447% | 4,173 |
| Return on Equity (ROE) | 5.4268% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.4268% | 2,531 |
| Net charge-offs to loans | -0.0653% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0081% | 2,578 |
| Assets per employee ($millions) | 9.7287% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,485 |
| Loan loss allowance to noncurrent loans | 160.1773% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 2.6497% | 495 |
| Noncurrent loans to loans | 0.8367% | 2,590 |
| Net loans and leases to total assets | 71.5987% | 2,244 |
| Net loans and leases to deposits | 79.4242% | 3,033 |
| Net loans and leases to core deposits | 122.0993% | 459 |
| Total domestic deposits to total assets | 90.1472% | 432 |
| Equity capital to assets | 9.5572% | 4,605 |
| Core capital (leverage) ratio | 8.4311% | 5,416 |
| Tier 1 risk-based capital ratio | 10.9521% | 5,391 |
| Total risk-based capital ratio | 12.2096% | 5,304 |
| Memoranda: | ||
| Average total assets | $399,012,750 | 1,692 |
| Average earning assets | $375,342,500 | 1,655 |
| Average equity | $38,253,500 | 1,924 |
| Average total loans | $283,691,250 | 1,598 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,656 |
| Cost of funding earning assets | 0.5961% | 1,344 |
| Net interest margin | 2.9826% | 5,115 |
| Noninterest income to average assets | -0.0237% | 6,025 |
| Noninterest expense to average assets | 1.9464% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5116% | 4,632 |
| Return on assets (ROA) | 0.5164% | 4,730 |
| Pretax return on assets | 0.8388% | 4,161 |
| Return on Equity (ROE) | 5.3807% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.3807% | 2,496 |
| Net charge-offs to loans | -0.0329% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0746% | 2,972 |
| Assets per employee ($millions) | 9.7111% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,576 |
| Loan loss allowance to noncurrent loans | 157.1255% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 2.7399% | 472 |
| Noncurrent loans to loans | 0.8521% | 2,610 |
| Net loans and leases to total assets | 71.8268% | 2,202 |
| Net loans and leases to deposits | 79.7901% | 2,954 |
| Net loans and leases to core deposits | 123.8087% | 414 |
| Total domestic deposits to total assets | 90.0197% | 483 |
| Equity capital to assets | 9.6965% | 4,558 |
| Core capital (leverage) ratio | 8.5679% | 5,300 |
| Tier 1 risk-based capital ratio | 11.1171% | 5,356 |
| Total risk-based capital ratio | 12.3746% | 5,269 |
| Memoranda: | ||
| Average total assets | $395,815,330 | 1,705 |
| Average earning assets | $371,759,330 | 1,678 |
| Average equity | $37,987,670 | 1,942 |
| Average total loans | $279,411,670 | 1,621 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 4,672 |
| Cost of funding earning assets | 0.6002% | 1,336 |
| Net interest margin | 2.9815% | 5,159 |
| Noninterest income to average assets | 0.0537% | 5,959 |
| Noninterest expense to average assets | 2.0119% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5220% | 4,539 |
| Return on assets (ROA) | 0.5220% | 4,646 |
| Pretax return on assets | 0.8463% | 4,043 |
| Return on Equity (ROE) | 5.4674% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.4674% | 2,675 |
| Net charge-offs to loans | -0.0146% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3901% | 3,054 |
| Assets per employee ($millions) | 9.6723% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,360 |
| Loan loss allowance to noncurrent loans | 174.9318% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 2.7189% | 517 |
| Noncurrent loans to loans | 0.8089% | 2,816 |
| Net loans and leases to total assets | 65.9388% | 2,960 |
| Net loans and leases to deposits | 72.9717% | 3,553 |
| Net loans and leases to core deposits | 112.7960% | 718 |
| Total domestic deposits to total assets | 90.3623% | 479 |
| Equity capital to assets | 9.3751% | 4,806 |
| Core capital (leverage) ratio | 8.2349% | 5,623 |
| Tier 1 risk-based capital ratio | 11.6028% | 5,172 |
| Total risk-based capital ratio | 12.8622% | 5,070 |
| Memoranda: | ||
| Average total assets | $394,645,500 | 1,713 |
| Average earning assets | $371,227,000 | 1,676 |
| Average equity | $37,678,000 | 1,956 |
| Average total loans | $274,186,000 | 1,645 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 4,807 |
| Cost of funding earning assets | 0.5764% | 1,533 |
| Net interest margin | 2.9735% | 5,200 |
| Noninterest income to average assets | 0.0151% | 6,077 |
| Noninterest expense to average assets | 2.1557% | 5,139 |
| Loan and lease loss provision to assets | 0.1298% | 1,846 |
| Net operating income to assets | 0.3061% | 5,339 |
| Return on assets (ROA) | 0.3061% | 5,421 |
| Pretax return on assets | 0.5019% | 5,111 |
| Return on Equity (ROE) | 3.2025% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.2025% | 3,776 |
| Net charge-offs to loans | 0.6363% | 374 |
| Credit loss provision to net charge-offs | 30.3398% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.4763% | 4,079 |
| Efficiency ratio | 77.3379% | 2,070 |
| Assets per employee ($millions) | 9.1203% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 2,493 |
| Loan loss allowance to noncurrent loans | 151.4015% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 2.9860% | 437 |
| Noncurrent loans to loans | 0.9156% | 2,512 |
| Net loans and leases to total assets | 71.2234% | 2,166 |
| Net loans and leases to deposits | 80.1690% | 2,802 |
| Net loans and leases to core deposits | 107.4664% | 1,004 |
| Total domestic deposits to total assets | 88.8415% | 1,203 |
| Equity capital to assets | 9.7300% | 4,262 |
| Core capital (leverage) ratio | 8.9271% | 4,970 |
| Tier 1 risk-based capital ratio | 11.4525% | 5,282 |
| Total risk-based capital ratio | 12.7160% | 5,178 |
| Memoranda: | ||
| Average total assets | $385,165,000 | 1,706 |
| Average earning assets | $359,110,000 | 1,679 |
| Average equity | $36,815,400 | 1,941 |
| Average total loans | $258,984,200 | 1,674 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,920 |
| Cost of funding earning assets | 0.5797% | 1,549 |
| Net interest margin | 2.9486% | 5,310 |
| Noninterest income to average assets | -0.0080% | 6,207 |
| Noninterest expense to average assets | 2.0800% | 5,320 |
| Loan and lease loss provision to assets | 0.1728% | 1,226 |
| Net operating income to assets | 0.2935% | 5,470 |
| Return on assets (ROA) | 0.2935% | 5,549 |
| Pretax return on assets | 0.4822% | 5,264 |
| Return on Equity (ROE) | 3.0843% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.0843% | 4,256 |
| Net charge-offs to loans | 0.6358% | 349 |
| Credit loss provision to net charge-offs | 41.1862% | 3,154 |
| Earnings coverage of net charge-offs (x) | 1.5609% | 3,812 |
| Efficiency ratio | 76.0490% | 2,243 |
| Assets per employee ($millions) | 8.8926% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,674 |
| Loan loss allowance to noncurrent loans | 89.6472% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 3.5051% | 371 |
| Noncurrent loans to loans | 1.8184% | 1,298 |
| Net loans and leases to total assets | 67.3694% | 2,796 |
| Net loans and leases to deposits | 74.8559% | 3,439 |
| Net loans and leases to core deposits | 100.1684% | 1,497 |
| Total domestic deposits to total assets | 89.9988% | 567 |
| Equity capital to assets | 9.7353% | 4,472 |
| Core capital (leverage) ratio | 8.8003% | 5,236 |
| Tier 1 risk-based capital ratio | 12.1227% | 5,012 |
| Total risk-based capital ratio | 13.3962% | 4,902 |
| Memoranda: | ||
| Average total assets | $385,692,750 | 1,718 |
| Average earning assets | $358,802,000 | 1,692 |
| Average equity | $36,701,500 | 1,958 |
| Average total loans | $254,565,500 | 1,707 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 4,997 |
| Cost of funding earning assets | 0.5785% | 1,585 |
| Net interest margin | 2.9158% | 5,414 |
| Noninterest income to average assets | 0.0424% | 6,194 |
| Noninterest expense to average assets | 2.1220% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3842% | 5,189 |
| Return on assets (ROA) | 0.3842% | 5,300 |
| Pretax return on assets | 0.6282% | 4,898 |
| Return on Equity (ROE) | 4.0683% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.0683% | 3,432 |
| Net charge-offs to loans | 0.2570% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,143 |
| Efficiency ratio | 77.1574% | 2,177 |
| Assets per employee ($millions) | 8.8745% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 1,337 |
| Loan loss allowance to noncurrent loans | 105.0981% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 3.5616% | 399 |
| Noncurrent loans to loans | 1.7262% | 1,489 |
| Net loans and leases to total assets | 66.0746% | 2,934 |
| Net loans and leases to deposits | 73.3846% | 3,568 |
| Net loans and leases to core deposits | 98.3827% | 1,620 |
| Total domestic deposits to total assets | 90.0388% | 651 |
| Equity capital to assets | 9.6415% | 4,481 |
| Core capital (leverage) ratio | 8.5433% | 5,496 |
| Tier 1 risk-based capital ratio | 11.7121% | 5,332 |
| Total risk-based capital ratio | 12.9797% | 5,238 |
| Memoranda: | ||
| Average total assets | $386,796,000 | 1,722 |
| Average earning assets | $359,213,670 | 1,707 |
| Average equity | $36,526,670 | 1,970 |
| Average total loans | $252,128,000 | 1,728 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 5,098 |
| Cost of funding earning assets | 0.5759% | 1,612 |
| Net interest margin | 2.8706% | 5,502 |
| Noninterest income to average assets | 0.0801% | 6,149 |
| Noninterest expense to average assets | 2.1295% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3791% | 5,147 |
| Return on assets (ROA) | 0.3791% | 5,268 |
| Pretax return on assets | 0.6184% | 4,865 |
| Return on Equity (ROE) | 4.0556% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.0556% | 3,571 |
| Net charge-offs to loans | 0.2914% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.3077% | 2,622 |
| Efficiency ratio | 77.4953% | 2,268 |
| Assets per employee ($millions) | 9.1440% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 1,236 |
| Loan loss allowance to noncurrent loans | 81.6219% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 4.1242% | 359 |
| Noncurrent loans to loans | 2.3576% | 1,044 |
| Net loans and leases to total assets | 62.2325% | 3,329 |
| Net loans and leases to deposits | 68.9428% | 3,863 |
| Net loans and leases to core deposits | 90.2064% | 2,109 |
| Total domestic deposits to total assets | 90.2669% | 623 |
| Equity capital to assets | 9.3392% | 4,918 |
| Core capital (leverage) ratio | 8.2346% | 5,787 |
| Tier 1 risk-based capital ratio | 11.6637% | 5,457 |
| Total risk-based capital ratio | 12.9198% | 5,359 |
| Memoranda: | ||
| Average total assets | $389,393,000 | 1,715 |
| Average earning assets | $361,872,000 | 1,696 |
| Average equity | $36,394,000 | 1,989 |
| Average total loans | $249,791,500 | 1,745 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 5,142 |
| Cost of funding earning assets | 0.5857% | 1,898 |
| Net interest margin | 2.9920% | 5,464 |
| Noninterest income to average assets | -0.4277% | 6,491 |
| Noninterest expense to average assets | 2.2849% | 5,149 |
| Loan and lease loss provision to assets | 0.1817% | 1,417 |
| Net operating income to assets | 0.6458% | 4,164 |
| Return on assets (ROA) | 0.6556% | 4,213 |
| Pretax return on assets | -0.1383% | 6,163 |
| Return on Equity (ROE) | 7.2083% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.2083% | 1,313 |
| Net charge-offs to loans | 0.9043% | 358 |
| Credit loss provision to net charge-offs | 31.3901% | 3,817 |
| Earnings coverage of net charge-offs (x) | 0.0484% | 4,706 |
| Efficiency ratio | 98.7882% | 391 |
| Assets per employee ($millions) | 8.9673% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9925% | 1,128 |
| Loan loss allowance to noncurrent loans | 87.5747% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 4.8447% | 295 |
| Noncurrent loans to loans | 2.2752% | 1,149 |
| Net loans and leases to total assets | 63.5657% | 3,283 |
| Net loans and leases to deposits | 70.5482% | 3,837 |
| Net loans and leases to core deposits | 89.4133% | 2,343 |
| Total domestic deposits to total assets | 90.1025% | 692 |
| Equity capital to assets | 9.3536% | 4,907 |
| Core capital (leverage) ratio | 8.0009% | 6,005 |
| Tier 1 risk-based capital ratio | 11.8098% | 5,486 |
| Total risk-based capital ratio | 13.0690% | 5,391 |
| Memoranda: | ||
| Average total assets | $385,310,000 | 1,699 |
| Average earning assets | $352,941,000 | 1,695 |
| Average equity | $35,042,800 | 1,992 |
| Average total loans | $246,606,800 | 1,709 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 5,162 |
| Cost of funding earning assets | 0.5811% | 2,010 |
| Net interest margin | 3.0093% | 5,483 |
| Noninterest income to average assets | -0.5309% | 6,574 |
| Noninterest expense to average assets | 2.2953% | 5,124 |
| Loan and lease loss provision to assets | 0.2423% | 905 |
| Net operating income to assets | 0.7908% | 3,466 |
| Return on assets (ROA) | 0.7908% | 3,569 |
| Pretax return on assets | -0.3208% | 6,304 |
| Return on Equity (ROE) | 8.7579% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.7579% | 1,074 |
| Net charge-offs to loans | 1.0542% | 281 |
| Credit loss provision to net charge-offs | 36.0268% | 3,349 |
| Earnings coverage of net charge-offs (x) | -0.1168% | 4,464 |
| Efficiency ratio | 103.5441% | 300 |
| Assets per employee ($millions) | 8.4918% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 1,003 |
| Loan loss allowance to noncurrent loans | 85.7747% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 5.2882% | 305 |
| Noncurrent loans to loans | 2.5193% | 1,160 |
| Net loans and leases to total assets | 63.8607% | 3,193 |
| Net loans and leases to deposits | 71.2323% | 3,770 |
| Net loans and leases to core deposits | 91.9878% | 2,039 |
| Total domestic deposits to total assets | 89.6513% | 908 |
| Equity capital to assets | 9.5324% | 4,754 |
| Core capital (leverage) ratio | 7.7258% | 6,206 |
| Tier 1 risk-based capital ratio | 11.4363% | 5,819 |
| Total risk-based capital ratio | 12.6975% | 5,752 |
| Memoranda: | ||
| Average total assets | $385,239,250 | 1,709 |
| Average earning assets | $351,745,500 | 1,710 |
| Average equity | $34,786,750 | 2,016 |
| Average total loans | $245,736,500 | 1,725 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 5,132 |
| Cost of funding earning assets | 0.5749% | 2,119 |
| Net interest margin | 3.0319% | 5,439 |
| Noninterest income to average assets | 0.1085% | 6,251 |
| Noninterest expense to average assets | 2.3007% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8334% | 460 |
| Return on assets (ROA) | 1.8334% | 475 |
| Pretax return on assets | 0.5726% | 5,046 |
| Return on Equity (ROE) | 20.6723% | 255 |
| Retained earnings to average equity (ytd only) | 20.6723% | 73 |
| Net charge-offs to loans | 0.4051% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.2325% | 3,596 |
| Efficiency ratio | 80.0716% | 2,015 |
| Assets per employee ($millions) | 8.5502% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4890% | 725 |
| Loan loss allowance to noncurrent loans | 64.3828% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 6.9995% | 184 |
| Noncurrent loans to loans | 3.8659% | 632 |
| Net loans and leases to total assets | 61.2368% | 3,533 |
| Net loans and leases to deposits | 68.9030% | 3,951 |
| Net loans and leases to core deposits | 88.5610% | 2,249 |
| Total domestic deposits to total assets | 88.8740% | 1,432 |
| Equity capital to assets | 9.5990% | 4,627 |
| Core capital (leverage) ratio | 8.0169% | 6,085 |
| Tier 1 risk-based capital ratio | 12.0122% | 5,535 |
| Total risk-based capital ratio | 13.2767% | 5,464 |
| Memoranda: | ||
| Average total assets | $389,105,670 | 1,694 |
| Average earning assets | $354,825,670 | 1,704 |
| Average equity | $34,510,000 | 2,017 |
| Average total loans | $246,355,670 | 1,717 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 5,191 |
| Cost of funding earning assets | 0.5696% | 2,247 |
| Net interest margin | 3.0224% | 5,474 |
| Noninterest income to average assets | 0.1012% | 6,330 |
| Noninterest expense to average assets | 2.2736% | 5,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3629% | 5,263 |
| Return on assets (ROA) | 0.3629% | 5,328 |
| Pretax return on assets | 0.5888% | 4,863 |
| Return on Equity (ROE) | 4.2645% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.2645% | 3,564 |
| Net charge-offs to loans | 0.1576% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.8776% | 2,319 |
| Efficiency ratio | 79.4286% | 2,284 |
| Assets per employee ($millions) | 8.6923% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5632% | 753 |
| Loan loss allowance to noncurrent loans | 62.7323% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 7.9054% | 171 |
| Noncurrent loans to loans | 4.0860% | 648 |
| Net loans and leases to total assets | 63.7599% | 2,942 |
| Net loans and leases to deposits | 72.0081% | 3,334 |
| Net loans and leases to core deposits | 94.2471% | 1,529 |
| Total domestic deposits to total assets | 88.5455% | 1,916 |
| Equity capital to assets | 8.7685% | 5,370 |
| Core capital (leverage) ratio | 7.6655% | 6,280 |
| Tier 1 risk-based capital ratio | 11.4459% | 5,944 |
| Total risk-based capital ratio | 12.7107% | 5,889 |
| Memoranda: | ||
| Average total assets | $391,280,000 | 1,704 |
| Average earning assets | $357,461,000 | 1,701 |
| Average equity | $33,298,500 | 2,070 |
| Average total loans | $248,720,000 | 1,704 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 5,366 |
| Cost of funding earning assets | 0.6271% | 2,414 |
| Net interest margin | 2.9899% | 5,601 |
| Noninterest income to average assets | -0.2045% | 6,759 |
| Noninterest expense to average assets | 2.1167% | 5,794 |
| Loan and lease loss provision to assets | 0.1136% | 2,918 |
| Net operating income to assets | 0.1588% | 5,923 |
| Return on assets (ROA) | 0.1588% | 5,988 |
| Pretax return on assets | 0.2606% | 5,826 |
| Return on Equity (ROE) | 1.8882% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.8882% | 4,893 |
| Net charge-offs to loans | 0.7178% | 901 |
| Credit loss provision to net charge-offs | 25.3378% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.8345% | 4,809 |
| Efficiency ratio | 84.9772% | 1,521 |
| Assets per employee ($millions) | 9.3047% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6350% | 708 |
| Loan loss allowance to noncurrent loans | 62.2182% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 7.7376% | 204 |
| Noncurrent loans to loans | 4.2352% | 660 |
| Net loans and leases to total assets | 60.1490% | 3,686 |
| Net loans and leases to deposits | 68.1286% | 4,035 |
| Net loans and leases to core deposits | 82.5114% | 2,833 |
| Total domestic deposits to total assets | 88.2874% | 2,012 |
| Equity capital to assets | 8.2632% | 5,813 |
| Core capital (leverage) ratio | 7.7377% | 6,284 |
| Tier 1 risk-based capital ratio | 11.4909% | 5,911 |
| Total risk-based capital ratio | 12.7568% | 5,847 |
| Memoranda: | ||
| Average total assets | $396,040,400 | 1,667 |
| Average earning assets | $357,031,000 | 1,684 |
| Average equity | $33,312,400 | 2,069 |
| Average total loans | $247,425,600 | 1,675 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 5,340 |
| Cost of funding earning assets | 0.6451% | 2,406 |
| Net interest margin | 2.9907% | 5,620 |
| Noninterest income to average assets | -0.1475% | 6,821 |
| Noninterest expense to average assets | 2.1709% | 5,679 |
| Loan and lease loss provision to assets | 0.0675% | 3,705 |
| Net operating income to assets | 0.1833% | 5,954 |
| Return on assets (ROA) | 0.1833% | 6,023 |
| Pretax return on assets | 0.2990% | 5,877 |
| Return on Equity (ROE) | 2.1692% | 5,885 |
| Retained earnings to average equity (ytd only) | 2.1692% | 5,013 |
| Net charge-offs to loans | 0.3383% | 1,858 |
| Credit loss provision to net charge-offs | 31.8471% | 3,860 |
| Earnings coverage of net charge-offs (x) | 1.7293% | 4,260 |
| Efficiency ratio | 85.5547% | 1,407 |
| Assets per employee ($millions) | 8.8551% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 559 |
| Loan loss allowance to noncurrent loans | 63.9124% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 9.2369% | 163 |
| Noncurrent loans to loans | 4.6723% | 675 |
| Net loans and leases to total assets | 63.2235% | 3,124 |
| Net loans and leases to deposits | 71.2831% | 3,600 |
| Net loans and leases to core deposits | 87.9314% | 2,199 |
| Total domestic deposits to total assets | 88.6936% | 1,728 |
| Equity capital to assets | 8.6943% | 5,529 |
| Core capital (leverage) ratio | 7.6063% | 6,403 |
| Tier 1 risk-based capital ratio | 11.4640% | 6,078 |
| Total risk-based capital ratio | 12.7342% | 6,029 |
| Memoranda: | ||
| Average total assets | $395,025,500 | 1,676 |
| Average earning assets | $354,643,750 | 1,705 |
| Average equity | $33,375,250 | 2,086 |
| Average total loans | $247,489,750 | 1,677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 5,495 |
| Cost of funding earning assets | 0.6500% | 2,495 |
| Net interest margin | 2.9310% | 5,725 |
| Noninterest income to average assets | -0.1581% | 6,862 |
| Noninterest expense to average assets | 2.0681% | 5,925 |
| Loan and lease loss provision to assets | 0.1001% | 3,125 |
| Net operating income to assets | 0.1846% | 5,947 |
| Return on assets (ROA) | 0.1846% | 6,062 |
| Pretax return on assets | 0.3017% | 5,877 |
| Return on Equity (ROE) | 2.2053% | 5,881 |
| Retained earnings to average equity (ytd only) | 2.2053% | 4,869 |
| Net charge-offs to loans | 0.1893% | 2,619 |
| Credit loss provision to net charge-offs | 85.4701% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.4316% | 3,385 |
| Efficiency ratio | 83.7351% | 1,664 |
| Assets per employee ($millions) | 9.4247% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1287% | 509 |
| Loan loss allowance to noncurrent loans | 61.8659% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 9.2442% | 178 |
| Noncurrent loans to loans | 5.0572% | 632 |
| Net loans and leases to total assets | 61.0510% | 3,471 |
| Net loans and leases to deposits | 68.2989% | 3,970 |
| Net loans and leases to core deposits | 86.9241% | 2,239 |
| Total domestic deposits to total assets | 89.3880% | 1,387 |
| Equity capital to assets | 8.3694% | 5,897 |
| Core capital (leverage) ratio | 7.3774% | 6,503 |
| Tier 1 risk-based capital ratio | 11.1422% | 6,271 |
| Total risk-based capital ratio | 12.4139% | 6,235 |
| Memoranda: | ||
| Average total assets | $399,778,000 | 1,655 |
| Average earning assets | $358,445,330 | 1,695 |
| Average equity | $33,465,330 | 2,081 |
| Average total loans | $247,271,330 | 1,674 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 5,624 |
| Cost of funding earning assets | 0.6800% | 2,388 |
| Net interest margin | 2.8526% | 5,909 |
| Noninterest income to average assets | -0.1583% | 6,942 |
| Noninterest expense to average assets | 2.0530% | 6,002 |
| Loan and lease loss provision to assets | 0.0996% | 3,018 |
| Net operating income to assets | 0.1474% | 6,049 |
| Return on assets (ROA) | 0.1474% | 6,144 |
| Pretax return on assets | 0.2409% | 5,986 |
| Return on Equity (ROE) | 1.7601% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.7601% | 5,107 |
| Net charge-offs to loans | 0.0731% | 3,112 |
| Credit loss provision to net charge-offs | 222.2222% | 1,008 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 2,046 |
| Efficiency ratio | 85.7737% | 1,540 |
| Assets per employee ($millions) | 9.5420% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1940% | 552 |
| Loan loss allowance to noncurrent loans | 47.0778% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 10.6220% | 170 |
| Noncurrent loans to loans | 6.7846% | 447 |
| Net loans and leases to total assets | 59.6998% | 3,483 |
| Net loans and leases to deposits | 67.0779% | 3,906 |
| Net loans and leases to core deposits | 87.1203% | 1,998 |
| Total domestic deposits to total assets | 89.0007% | 1,682 |
| Equity capital to assets | 8.3995% | 6,103 |
| Core capital (leverage) ratio | 7.1197% | 6,607 |
| Tier 1 risk-based capital ratio | 11.0222% | 6,397 |
| Total risk-based capital ratio | 12.2948% | 6,361 |
| Memoranda: | ||
| Average total assets | $401,749,000 | 1,664 |
| Average earning assets | $359,392,000 | 1,701 |
| Average equity | $33,633,500 | 2,098 |
| Average total loans | $246,173,500 | 1,691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 5,514 |
| Cost of funding earning assets | 0.8578% | 2,236 |
| Net interest margin | 3.0647% | 5,898 |
| Noninterest income to average assets | -0.5524% | 7,033 |
| Noninterest expense to average assets | 2.0175% | 6,291 |
| Loan and lease loss provision to assets | 0.5942% | 929 |
| Net operating income to assets | -0.2905% | 6,430 |
| Return on assets (ROA) | -0.1961% | 6,442 |
| Pretax return on assets | -0.3102% | 6,484 |
| Return on Equity (ROE) | -2.2448% | 6,466 |
| Retained earnings to average equity (ytd only) | -2.2448% | 6,191 |
| Net charge-offs to loans | 1.5094% | 587 |
| Credit loss provision to net charge-offs | 62.2508% | 4,386 |
| Earnings coverage of net charge-offs (x) | 0.1430% | 5,424 |
| Efficiency ratio | 93.6643% | 815 |
| Assets per employee ($millions) | 9.8228% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1970% | 555 |
| Loan loss allowance to noncurrent loans | 42.5316% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 10.8930% | 186 |
| Noncurrent loans to loans | 7.5168% | 404 |
| Net loans and leases to total assets | 58.9369% | 3,811 |
| Net loans and leases to deposits | 66.5879% | 4,194 |
| Net loans and leases to core deposits | 82.5620% | 2,709 |
| Total domestic deposits to total assets | 88.5098% | 1,898 |
| Equity capital to assets | 8.3442% | 6,165 |
| Core capital (leverage) ratio | 7.1921% | 6,637 |
| Tier 1 risk-based capital ratio | 10.7645% | 6,443 |
| Total risk-based capital ratio | 12.0364% | 6,405 |
| Memoranda: | ||
| Average total assets | $399,356,800 | 1,638 |
| Average earning assets | $352,664,800 | 1,693 |
| Average equity | $34,880,000 | 1,989 |
| Average total loans | $252,558,400 | 1,633 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 5,517 |
| Cost of funding earning assets | 0.8811% | 2,305 |
| Net interest margin | 3.1201% | 5,894 |
| Noninterest income to average assets | -0.0759% | 7,005 |
| Noninterest expense to average assets | 1.9559% | 6,434 |
| Loan and lease loss provision to assets | 0.3814% | 1,694 |
| Net operating income to assets | 0.2118% | 5,886 |
| Return on assets (ROA) | 0.3028% | 5,810 |
| Pretax return on assets | 0.4811% | 5,517 |
| Return on Equity (ROE) | 3.4281% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.4281% | 4,452 |
| Net charge-offs to loans | 0.7772% | 1,422 |
| Credit loss provision to net charge-offs | 76.8712% | 3,711 |
| Earnings coverage of net charge-offs (x) | 1.4518% | 4,562 |
| Efficiency ratio | 73.0841% | 3,131 |
| Assets per employee ($millions) | 9.4278% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6213% | 420 |
| Loan loss allowance to noncurrent loans | 37.6718% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 14.2166% | 101 |
| Noncurrent loans to loans | 9.6127% | 270 |
| Net loans and leases to total assets | 61.5205% | 3,474 |
| Net loans and leases to deposits | 70.1326% | 3,877 |
| Net loans and leases to core deposits | 85.9997% | 2,464 |
| Total domestic deposits to total assets | 87.7203% | 2,212 |
| Equity capital to assets | 9.1951% | 5,601 |
| Core capital (leverage) ratio | 7.9269% | 6,383 |
| Tier 1 risk-based capital ratio | 11.7060% | 6,109 |
| Total risk-based capital ratio | 12.9823% | 6,076 |
| Memoranda: | ||
| Average total assets | $398,512,000 | 1,660 |
| Average earning assets | $351,517,250 | 1,714 |
| Average equity | $35,198,750 | 1,981 |
| Average total loans | $254,398,250 | 1,643 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 5,577 |
| Cost of funding earning assets | 0.8965% | 2,430 |
| Net interest margin | 3.1268% | 5,920 |
| Noninterest income to average assets | -0.1640% | 7,124 |
| Noninterest expense to average assets | 1.9165% | 6,567 |
| Loan and lease loss provision to assets | 0.2981% | 2,195 |
| Net operating income to assets | 0.2335% | 5,813 |
| Return on assets (ROA) | 0.3687% | 5,570 |
| Pretax return on assets | 0.5898% | 5,176 |
| Return on Equity (ROE) | 4.2298% | 5,167 |
| Retained earnings to average equity (ytd only) | 4.2298% | 3,798 |
| Net charge-offs to loans | 1.1193% | 969 |
| Credit loss provision to net charge-offs | 41.7246% | 4,226 |
| Earnings coverage of net charge-offs (x) | 0.9471% | 4,559 |
| Efficiency ratio | 73.9030% | 3,090 |
| Assets per employee ($millions) | 9.3777% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3595% | 565 |
| Loan loss allowance to noncurrent loans | 34.8832% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 13.7618% | 127 |
| Noncurrent loans to loans | 9.6306% | 288 |
| Net loans and leases to total assets | 60.2099% | 3,778 |
| Net loans and leases to deposits | 69.1942% | 4,012 |
| Net loans and leases to core deposits | 86.5225% | 2,359 |
| Total domestic deposits to total assets | 87.0159% | 2,757 |
| Equity capital to assets | 8.7581% | 5,962 |
| Core capital (leverage) ratio | 7.8655% | 6,398 |
| Tier 1 risk-based capital ratio | 11.2450% | 6,373 |
| Total risk-based capital ratio | 12.5174% | 6,339 |
| Memoranda: | ||
| Average total assets | $402,502,330 | 1,639 |
| Average earning assets | $354,927,670 | 1,699 |
| Average equity | $35,084,000 | 1,970 |
| Average total loans | $256,952,000 | 1,619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 5,352 |
| Cost of funding earning assets | 0.9391% | 2,384 |
| Net interest margin | 3.1925% | 5,800 |
| Noninterest income to average assets | -0.1880% | 7,195 |
| Noninterest expense to average assets | 1.9019% | 6,645 |
| Loan and lease loss provision to assets | 0.2984% | 2,093 |
| Net operating income to assets | 0.2549% | 5,800 |
| Return on assets (ROA) | 0.4924% | 5,061 |
| Pretax return on assets | 0.7928% | 4,438 |
| Return on Equity (ROE) | 5.6623% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.6623% | 3,163 |
| Net charge-offs to loans | 1.0346% | 1,004 |
| Credit loss provision to net charge-offs | 44.6429% | 3,369 |
| Earnings coverage of net charge-offs (x) | 1.0774% | 3,793 |
| Efficiency ratio | 72.5341% | 3,337 |
| Assets per employee ($millions) | 9.1673% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4848% | 542 |
| Loan loss allowance to noncurrent loans | 33.7604% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 14.3232% | 121 |
| Noncurrent loans to loans | 10.3222% | 286 |
| Net loans and leases to total assets | 62.5736% | 3,145 |
| Net loans and leases to deposits | 70.4501% | 3,668 |
| Net loans and leases to core deposits | 89.4980% | 1,900 |
| Total domestic deposits to total assets | 88.8197% | 1,806 |
| Equity capital to assets | 8.9086% | 5,630 |
| Core capital (leverage) ratio | 7.5571% | 6,594 |
| Tier 1 risk-based capital ratio | 10.8249% | 6,612 |
| Total risk-based capital ratio | 12.0989% | 6,589 |
| Memoranda: | ||
| Average total assets | $402,134,000 | 1,647 |
| Average earning assets | $353,955,000 | 1,711 |
| Average equity | $34,968,000 | 1,979 |
| Average total loans | $259,813,000 | 1,616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 6,066 |
| Cost of funding earning assets | 1.3203% | 1,390 |
| Net interest margin | 2.8745% | 6,727 |
| Noninterest income to average assets | -0.1171% | 7,112 |
| Noninterest expense to average assets | 2.0231% | 6,638 |
| Loan and lease loss provision to assets | 1.4727% | 509 |
| Net operating income to assets | -0.6433% | 6,572 |
| Return on assets (ROA) | -0.4813% | 6,530 |
| Pretax return on assets | -0.7658% | 6,630 |
| Return on Equity (ROE) | -6.1919% | 6,591 |
| Retained earnings to average equity (ytd only) | -6.1919% | 6,522 |
| Net charge-offs to loans | 3.5273% | 216 |
| Credit loss provision to net charge-offs | 63.2036% | 5,081 |
| Earnings coverage of net charge-offs (x) | 0.1947% | 5,688 |
| Efficiency ratio | 81.6793% | 2,065 |
| Assets per employee ($millions) | 9.5367% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5136% | 527 |
| Loan loss allowance to noncurrent loans | 33.5309% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 14.5022% | 141 |
| Noncurrent loans to loans | 10.4787% | 287 |
| Net loans and leases to total assets | 62.1304% | 3,580 |
| Net loans and leases to deposits | 69.4386% | 4,206 |
| Net loans and leases to core deposits | 84.2060% | 2,867 |
| Total domestic deposits to total assets | 89.4754% | 1,277 |
| Equity capital to assets | 8.4909% | 6,157 |
| Core capital (leverage) ratio | 7.3265% | 6,735 |
| Tier 1 risk-based capital ratio | 10.3508% | 6,752 |
| Total risk-based capital ratio | 11.6256% | 6,719 |
| Memoranda: | ||
| Average total assets | $454,403,400 | 1,443 |
| Average earning assets | $410,050,200 | 1,456 |
| Average equity | $35,320,600 | 1,911 |
| Average total loans | $300,172,800 | 1,417 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 6,130 |
| Cost of funding earning assets | 1.3931% | 1,263 |
| Net interest margin | 2.8407% | 6,838 |
| Noninterest income to average assets | -0.0642% | 7,178 |
| Noninterest expense to average assets | 2.0729% | 6,545 |
| Loan and lease loss provision to assets | 1.8595% | 318 |
| Net operating income to assets | -0.8705% | 6,834 |
| Return on assets (ROA) | -0.6597% | 6,769 |
| Pretax return on assets | -1.0862% | 6,903 |
| Return on Equity (ROE) | -8.6627% | 6,852 |
| Retained earnings to average equity (ytd only) | -8.6627% | 6,806 |
| Net charge-offs to loans | 4.1206% | 154 |
| Credit loss provision to net charge-offs | 67.9364% | 4,546 |
| Earnings coverage of net charge-offs (x) | 0.1622% | 5,484 |
| Efficiency ratio | 82.3603% | 1,922 |
| Assets per employee ($millions) | 9.7407% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7065% | 486 |
| Loan loss allowance to noncurrent loans | 36.9923% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 14.4048% | 147 |
| Noncurrent loans to loans | 10.0197% | 358 |
| Net loans and leases to total assets | 62.7078% | 3,568 |
| Net loans and leases to deposits | 70.1512% | 4,278 |
| Net loans and leases to core deposits | 87.3832% | 2,575 |
| Total domestic deposits to total assets | 89.3896% | 1,199 |
| Equity capital to assets | 8.2960% | 6,488 |
| Core capital (leverage) ratio | 6.6405% | 7,044 |
| Tier 1 risk-based capital ratio | 9.8060% | 7,005 |
| Total risk-based capital ratio | 11.0703% | 6,992 |
| Memoranda: | ||
| Average total assets | $465,485,250 | 1,426 |
| Average earning assets | $422,934,500 | 1,436 |
| Average equity | $35,446,000 | 1,905 |
| Average total loans | $309,201,000 | 1,385 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 6,653 |
| Cost of funding earning assets | 1.4129% | 1,361 |
| Net interest margin | 2.5921% | 7,127 |
| Noninterest income to average assets | 0.0237% | 7,138 |
| Noninterest expense to average assets | 1.8618% | 6,992 |
| Loan and lease loss provision to assets | 0.7754% | 1,196 |
| Net operating income to assets | -0.1512% | 6,416 |
| Return on assets (ROA) | 0.0249% | 6,260 |
| Pretax return on assets | 0.0424% | 6,202 |
| Return on Equity (ROE) | 0.3363% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.3363% | 5,711 |
| Net charge-offs to loans | 2.6445% | 422 |
| Credit loss provision to net charge-offs | 43.8927% | 4,740 |
| Earnings coverage of net charge-offs (x) | 0.3071% | 5,082 |
| Efficiency ratio | 77.4339% | 2,794 |
| Assets per employee ($millions) | 10.5366% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6521% | 533 |
| Loan loss allowance to noncurrent loans | 28.7388% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 13.3325% | 199 |
| Noncurrent loans to loans | 12.7078% | 219 |
| Net loans and leases to total assets | 62.8285% | 3,712 |
| Net loans and leases to deposits | 71.1724% | 4,264 |
| Net loans and leases to core deposits | 89.4940% | 2,440 |
| Total domestic deposits to total assets | 88.2765% | 1,977 |
| Equity capital to assets | 8.0614% | 6,629 |
| Core capital (leverage) ratio | 7.1859% | 6,929 |
| Tier 1 risk-based capital ratio | 11.1504% | 6,417 |
| Total risk-based capital ratio | 12.4296% | 6,388 |
| Memoranda: | ||
| Average total assets | $481,029,670 | 1,401 |
| Average earning assets | $441,800,330 | 1,389 |
| Average equity | $35,678,670 | 1,879 |
| Average total loans | $321,347,000 | 1,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 6,558 |
| Cost of funding earning assets | 1.4539% | 1,368 |
| Net interest margin | 2.6193% | 7,108 |
| Noninterest income to average assets | 0.0444% | 7,161 |
| Noninterest expense to average assets | 1.8529% | 7,068 |
| Loan and lease loss provision to assets | 0.9818% | 787 |
| Net operating income to assets | -0.2450% | 6,605 |
| Return on assets (ROA) | -0.0800% | 6,458 |
| Pretax return on assets | -0.1261% | 6,472 |
| Return on Equity (ROE) | -1.1232% | 6,499 |
| Retained earnings to average equity (ytd only) | -1.1232% | 6,012 |
| Net charge-offs to loans | 2.5953% | 427 |
| Credit loss provision to net charge-offs | 56.0166% | 3,624 |
| Earnings coverage of net charge-offs (x) | 0.3412% | 4,358 |
| Efficiency ratio | 75.6017% | 3,227 |
| Assets per employee ($millions) | 11.7895% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7603% | 503 |
| Loan loss allowance to noncurrent loans | 31.8196% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 12.1747% | 257 |
| Noncurrent loans to loans | 11.8175% | 288 |
| Net loans and leases to total assets | 64.7032% | 3,305 |
| Net loans and leases to deposits | 75.6067% | 3,476 |
| Net loans and leases to core deposits | 97.3284% | 1,573 |
| Total domestic deposits to total assets | 85.5787% | 3,739 |
| Equity capital to assets | 7.2926% | 6,974 |
| Core capital (leverage) ratio | 6.7462% | 7,100 |
| Tier 1 risk-based capital ratio | 10.2101% | 6,927 |
| Total risk-based capital ratio | 11.4909% | 6,909 |
| Memoranda: | ||
| Average total assets | $495,008,000 | 1,362 |
| Average earning assets | $454,783,000 | 1,360 |
| Average equity | $35,256,000 | 1,884 |
| Average total loans | $334,296,000 | 1,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 6,698 |
| Cost of funding earning assets | 1.6437% | 1,853 |
| Net interest margin | 2.7075% | 7,114 |
| Noninterest income to average assets | -0.1924% | 7,465 |
| Noninterest expense to average assets | 1.8025% | 7,260 |
| Loan and lease loss provision to assets | 1.8889% | 722 |
| Net operating income to assets | -0.8640% | 6,608 |
| Return on assets (ROA) | -0.6415% | 6,509 |
| Pretax return on assets | -1.0215% | 6,658 |
| Return on Equity (ROE) | -9.3958% | 6,703 |
| Retained earnings to average equity (ytd only) | -9.3958% | 6,630 |
| Net charge-offs to loans | 2.4706% | 762 |
| Credit loss provision to net charge-offs | 107.4206% | 4,133 |
| Earnings coverage of net charge-offs (x) | 0.2956% | 5,812 |
| Efficiency ratio | 77.6204% | 2,773 |
| Assets per employee ($millions) | 11.7825% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8339% | 456 |
| Loan loss allowance to noncurrent loans | 32.1835% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 12.2914% | 265 |
| Noncurrent loans to loans | 11.9127% | 298 |
| Net loans and leases to total assets | 65.2215% | 3,619 |
| Net loans and leases to deposits | 74.9973% | 4,025 |
| Net loans and leases to core deposits | 97.5201% | 1,838 |
| Total domestic deposits to total assets | 86.9651% | 2,838 |
| Equity capital to assets | 6.9599% | 7,126 |
| Core capital (leverage) ratio | 6.6718% | 7,151 |
| Tier 1 risk-based capital ratio | 9.5905% | 7,113 |
| Total risk-based capital ratio | 10.8720% | 7,111 |
| Memoranda: | ||
| Average total assets | $541,068,200 | 1,240 |
| Average earning assets | $502,538,200 | 1,224 |
| Average equity | $36,942,200 | 1,793 |
| Average total loans | $385,084,400 | 1,173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 6,755 |
| Cost of funding earning assets | 1.6612% | 2,040 |
| Net interest margin | 2.7735% | 7,159 |
| Noninterest income to average assets | -0.1186% | 7,553 |
| Noninterest expense to average assets | 1.7819% | 7,348 |
| Loan and lease loss provision to assets | 2.4111% | 448 |
| Net operating income to assets | -1.0906% | 6,944 |
| Return on assets (ROA) | -0.8686% | 6,870 |
| Pretax return on assets | -1.3821% | 7,006 |
| Return on Equity (ROE) | -12.7791% | 7,042 |
| Retained earnings to average equity (ytd only) | -12.7791% | 7,004 |
| Net charge-offs to loans | 3.0462% | 501 |
| Credit loss provision to net charge-offs | 110.0166% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.3112% | 5,715 |
| Efficiency ratio | 72.3174% | 3,640 |
| Assets per employee ($millions) | 11.3923% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6339% | 488 |
| Loan loss allowance to noncurrent loans | 32.8172% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 11.9989% | 274 |
| Noncurrent loans to loans | 11.0731% | 346 |
| Net loans and leases to total assets | 70.7486% | 2,545 |
| Net loans and leases to deposits | 80.9865% | 3,268 |
| Net loans and leases to core deposits | 94.7518% | 2,415 |
| Total domestic deposits to total assets | 87.3585% | 2,340 |
| Equity capital to assets | 7.0502% | 7,329 |
| Core capital (leverage) ratio | 6.3378% | 7,375 |
| Tier 1 risk-based capital ratio | 8.8376% | 7,388 |
| Total risk-based capital ratio | 10.1165% | 7,400 |
| Memoranda: | ||
| Average total assets | $549,673,750 | 1,229 |
| Average earning assets | $511,834,250 | 1,213 |
| Average equity | $37,362,250 | 1,786 |
| Average total loans | $395,451,500 | 1,150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 6,794 |
| Cost of funding earning assets | 1.6552% | 2,361 |
| Net interest margin | 2.7979% | 7,145 |
| Noninterest income to average assets | -0.2128% | 7,682 |
| Noninterest expense to average assets | 1.7872% | 7,404 |
| Loan and lease loss provision to assets | 2.0890% | 590 |
| Net operating income to assets | -0.9384% | 6,919 |
| Return on assets (ROA) | -0.6267% | 6,786 |
| Pretax return on assets | -0.9865% | 6,885 |
| Return on Equity (ROE) | -9.3227% | 6,941 |
| Retained earnings to average equity (ytd only) | -9.3227% | 6,883 |
| Net charge-offs to loans | 2.5146% | 682 |
| Credit loss provision to net charge-offs | 116.1785% | 3,495 |
| Earnings coverage of net charge-offs (x) | 0.3422% | 5,382 |
| Efficiency ratio | 74.3858% | 3,395 |
| Assets per employee ($millions) | 12.9029% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4375% | 578 |
| Loan loss allowance to noncurrent loans | 37.6761% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 9.2978% | 464 |
| Noncurrent loans to loans | 9.1238% | 520 |
| Net loans and leases to total assets | 68.8950% | 3,149 |
| Net loans and leases to deposits | 83.5703% | 2,956 |
| Net loans and leases to core deposits | 99.2369% | 2,100 |
| Total domestic deposits to total assets | 82.4395% | 4,805 |
| Equity capital to assets | 6.7943% | 7,413 |
| Core capital (leverage) ratio | 6.2528% | 7,439 |
| Tier 1 risk-based capital ratio | 9.1617% | 7,383 |
| Total risk-based capital ratio | 10.4385% | 7,373 |
| Memoranda: | ||
| Average total assets | $565,811,330 | 1,204 |
| Average earning assets | $528,894,000 | 1,169 |
| Average equity | $38,036,330 | 1,750 |
| Average total loans | $404,599,330 | 1,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 6,649 |
| Cost of funding earning assets | 1.6462% | 2,674 |
| Net interest margin | 2.9162% | 6,991 |
| Noninterest income to average assets | -0.0069% | 7,690 |
| Noninterest expense to average assets | 1.7931% | 7,472 |
| Loan and lease loss provision to assets | 0.3808% | 3,080 |
| Net operating income to assets | 0.3240% | 5,193 |
| Return on assets (ROA) | 0.7450% | 3,341 |
| Pretax return on assets | 1.1984% | 2,365 |
| Return on Equity (ROE) | 11.1374% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.1374% | 889 |
| Net charge-offs to loans | 0.4991% | 2,568 |
| Credit loss provision to net charge-offs | 106.5891% | 3,227 |
| Earnings coverage of net charge-offs (x) | 2.5795% | 3,248 |
| Efficiency ratio | 66.0546% | 5,101 |
| Assets per employee ($millions) | 13.5100% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1118% | 753 |
| Loan loss allowance to noncurrent loans | 43.6995% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 7.6700% | 650 |
| Noncurrent loans to loans | 7.1209% | 829 |
| Net loans and leases to total assets | 67.0060% | 3,634 |
| Net loans and leases to deposits | 85.1880% | 2,731 |
| Net loans and leases to core deposits | 101.7147% | 1,951 |
| Total domestic deposits to total assets | 78.6566% | 6,165 |
| Equity capital to assets | 6.6807% | 7,485 |
| Core capital (leverage) ratio | 6.6782% | 7,401 |
| Tier 1 risk-based capital ratio | 9.5814% | 7,262 |
| Total risk-based capital ratio | 10.8540% | 7,244 |
| Memoranda: | ||
| Average total assets | $577,756,000 | 1,202 |
| Average earning assets | $539,193,500 | 1,171 |
| Average equity | $38,644,500 | 1,739 |
| Average total loans | $413,575,000 | 1,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 6,869 |
| Cost of funding earning assets | 2.0628% | 2,669 |
| Net interest margin | 2.7730% | 7,103 |
| Noninterest income to average assets | 0.0808% | 7,352 |
| Noninterest expense to average assets | 1.7086% | 7,696 |
| Loan and lease loss provision to assets | 3.6504% | 413 |
| Net operating income to assets | -2.1840% | 7,159 |
| Return on assets (ROA) | -2.1450% | 7,139 |
| Pretax return on assets | -2.5952% | 7,172 |
| Return on Equity (ROE) | -24.8856% | 7,285 |
| Retained earnings to average equity (ytd only) | -24.8856% | 7,258 |
| Net charge-offs to loans | 4.1075% | 390 |
| Credit loss provision to net charge-offs | 109.3943% | 5,041 |
| Earnings coverage of net charge-offs (x) | 0.3021% | 5,815 |
| Efficiency ratio | 62.8910% | 5,985 |
| Assets per employee ($millions) | 12.7685% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9310% | 824 |
| Loan loss allowance to noncurrent loans | 44.5397% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 6.7014% | 786 |
| Noncurrent loans to loans | 6.5805% | 902 |
| Net loans and leases to total assets | 71.8648% | 2,781 |
| Net loans and leases to deposits | 95.4830% | 1,396 |
| Net loans and leases to core deposits | 148.8177% | 540 |
| Total domestic deposits to total assets | 75.2645% | 6,819 |
| Equity capital to assets | 6.6969% | 7,502 |
| Core capital (leverage) ratio | 6.9113% | 7,305 |
| Tier 1 risk-based capital ratio | 8.5145% | 7,583 |
| Total risk-based capital ratio | 9.7839% | 7,609 |
| Memoranda: | ||
| Average total assets | $556,651,800 | 1,248 |
| Average earning assets | $529,132,200 | 1,199 |
| Average equity | $47,979,600 | 1,406 |
| Average total loans | $452,218,800 | 1,059 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 6,750 |
| Cost of funding earning assets | 2.2024% | 2,408 |
| Net interest margin | 2.7521% | 7,130 |
| Noninterest income to average assets | 0.1734% | 6,974 |
| Noninterest expense to average assets | 1.7750% | 7,686 |
| Loan and lease loss provision to assets | 0.9412% | 2,045 |
| Net operating income to assets | 0.0452% | 5,614 |
| Return on assets (ROA) | 0.0857% | 5,560 |
| Pretax return on assets | 0.1471% | 5,426 |
| Return on Equity (ROE) | 0.9400% | 5,514 |
| Retained earnings to average equity (ytd only) | 0.9400% | 4,786 |
| Net charge-offs to loans | 1.2408% | 1,644 |
| Credit loss provision to net charge-offs | 91.2667% | 5,446 |
| Earnings coverage of net charge-offs (x) | 0.9939% | 5,061 |
| Efficiency ratio | 63.3925% | 5,859 |
| Assets per employee ($millions) | 12.3263% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3682% | 1,207 |
| Loan loss allowance to noncurrent loans | 39.3401% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 6.8263% | 713 |
| Noncurrent loans to loans | 6.0197% | 977 |
| Net loans and leases to total assets | 76.9261% | 1,799 |
| Net loans and leases to deposits | 96.0039% | 1,576 |
| Net loans and leases to core deposits | 160.9587% | 367 |
| Total domestic deposits to total assets | 80.1281% | 5,389 |
| Equity capital to assets | 9.1422% | 5,275 |
| Core capital (leverage) ratio | 9.3023% | 4,188 |
| Tier 1 risk-based capital ratio | 10.8569% | 6,101 |
| Total risk-based capital ratio | 12.1193% | 6,046 |
| Memoranda: | ||
| Average total assets | $552,169,000 | 1,264 |
| Average earning assets | $526,996,250 | 1,218 |
| Average equity | $50,354,750 | 1,352 |
| Average total loans | $458,925,750 | 1,061 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 6,837 |
| Cost of funding earning assets | 2.3629% | 2,114 |
| Net interest margin | 2.6166% | 7,337 |
| Noninterest income to average assets | 0.2140% | 6,769 |
| Noninterest expense to average assets | 1.7663% | 7,780 |
| Loan and lease loss provision to assets | 0.5071% | 3,001 |
| Net operating income to assets | 0.2689% | 5,018 |
| Return on assets (ROA) | 0.3297% | 4,875 |
| Pretax return on assets | 0.5387% | 4,501 |
| Return on Equity (ROE) | 3.6189% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.6189% | 3,285 |
| Net charge-offs to loans | 0.8013% | 2,077 |
| Credit loss provision to net charge-offs | 74.8394% | 5,325 |
| Earnings coverage of net charge-offs (x) | 1.4031% | 4,477 |
| Efficiency ratio | 65.0067% | 5,721 |
| Assets per employee ($millions) | 12.0912% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2664% | 1,144 |
| Loan loss allowance to noncurrent loans | 44.8473% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 6.4456% | 714 |
| Noncurrent loans to loans | 5.0536% | 1,207 |
| Net loans and leases to total assets | 81.2586% | 1,094 |
| Net loans and leases to deposits | 102.8841% | 1,004 |
| Net loans and leases to core deposits | 177.2602% | 246 |
| Total domestic deposits to total assets | 78.9808% | 5,821 |
| Equity capital to assets | 9.3155% | 4,846 |
| Core capital (leverage) ratio | 9.1637% | 4,358 |
| Tier 1 risk-based capital ratio | 10.4753% | 6,397 |
| Total risk-based capital ratio | 11.7349% | 6,337 |
| Memoranda: | ||
| Average total assets | $551,331,330 | 1,284 |
| Average earning assets | $527,409,330 | 1,233 |
| Average equity | $50,236,330 | 1,368 |
| Average total loans | $466,219,330 | 1,067 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 7,058 |
| Cost of funding earning assets | 2.4885% | 1,964 |
| Net interest margin | 2.4600% | 7,548 |
| Noninterest income to average assets | 0.4346% | 4,921 |
| Noninterest expense to average assets | 1.7998% | 7,701 |
| Loan and lease loss provision to assets | 0.3409% | 3,283 |
| Net operating income to assets | 0.4024% | 4,848 |
| Return on assets (ROA) | 0.4757% | 4,726 |
| Pretax return on assets | 0.7712% | 4,181 |
| Return on Equity (ROE) | 5.2788% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.2788% | 2,972 |
| Net charge-offs to loans | 0.3492% | 2,688 |
| Credit loss provision to net charge-offs | 114.5278% | 3,396 |
| Earnings coverage of net charge-offs (x) | 3.3511% | 3,207 |
| Efficiency ratio | 64.3391% | 5,622 |
| Assets per employee ($millions) | 12.4634% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 940 |
| Loan loss allowance to noncurrent loans | 67.6220% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 4.1558% | 1,218 |
| Noncurrent loans to loans | 3.4078% | 1,875 |
| Net loans and leases to total assets | 81.5091% | 1,102 |
| Net loans and leases to deposits | 99.5000% | 1,475 |
| Net loans and leases to core deposits | 169.0457% | 362 |
| Total domestic deposits to total assets | 81.9186% | 4,582 |
| Equity capital to assets | 8.9838% | 5,376 |
| Core capital (leverage) ratio | 8.9602% | 4,777 |
| Tier 1 risk-based capital ratio | 10.3754% | 6,521 |
| Total risk-based capital ratio | 11.6375% | 6,420 |
| Memoranda: | ||
| Average total assets | $554,944,000 | 1,279 |
| Average earning assets | $533,006,500 | 1,218 |
| Average equity | $50,011,500 | 1,374 |
| Average total loans | $473,136,000 | 1,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9812% | 5,639 |
| Cost of funding earning assets | 3.2764% | 989 |
| Net interest margin | 2.7048% | 7,494 |
| Noninterest income to average assets | 0.1904% | 7,092 |
| Noninterest expense to average assets | 1.6171% | 7,948 |
| Loan and lease loss provision to assets | 1.9095% | 654 |
| Net operating income to assets | -0.4502% | 6,879 |
| Return on assets (ROA) | -0.4689% | 6,778 |
| Pretax return on assets | -0.7726% | 6,866 |
| Return on Equity (ROE) | -5.4628% | 6,911 |
| Retained earnings to average equity (ytd only) | -5.4628% | 6,578 |
| Net charge-offs to loans | 0.9203% | 1,346 |
| Credit loss provision to net charge-offs | 239.1368% | 1,970 |
| Earnings coverage of net charge-offs (x) | 1.4604% | 5,382 |
| Efficiency ratio | 58.1013% | 6,682 |
| Assets per employee ($millions) | 12.2008% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2417% | 911 |
| Loan loss allowance to noncurrent loans | 79.2945% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 3.4040% | 1,313 |
| Noncurrent loans to loans | 2.8271% | 1,917 |
| Net loans and leases to total assets | 85.1712% | 709 |
| Net loans and leases to deposits | 107.0424% | 1,040 |
| Net loans and leases to core deposits | 147.9114% | 940 |
| Total domestic deposits to total assets | 79.5677% | 5,174 |
| Equity capital to assets | 9.0408% | 5,321 |
| Core capital (leverage) ratio | 9.1006% | 4,594 |
| Tier 1 risk-based capital ratio | 10.1832% | 6,535 |
| Total risk-based capital ratio | 11.4452% | 6,389 |
| Memoranda: | ||
| Average total assets | $513,586,000 | 1,313 |
| Average earning assets | $492,310,600 | 1,252 |
| Average equity | $44,080,000 | 1,528 |
| Average total loans | $445,610,400 | 1,077 |