Home > Beach Bank > Performance and Condition Ratios
Beach Bank, Performance and Condition Ratios
| 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 | 3.6830% | 1,583 |
| Cost of funding earning assets | 0.3766% | 1,073 |
| Net interest margin | 3.3063% | 1,891 |
| Noninterest income to average assets | 1.3082% | 421 |
| Noninterest expense to average assets | 3.3155% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6698% | 3,417 |
| Return on assets (ROA) | 0.6698% | 3,363 |
| Pretax return on assets | 0.9066% | 3,042 |
| Return on Equity (ROE) | 5.0002% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.0002% | 2,712 |
| Net charge-offs to loans | -0.0213% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5267% | 1,051 |
| Assets per employee ($millions) | 6.0121% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 3,021 |
| Loan loss allowance to noncurrent loans | 3,214.0351% | 369 |
| Noncurrent assets plus other real estate owned to assets | 1.4950% | 237 |
| Noncurrent loans to loans | 0.0352% | 3,686 |
| Net loans and leases to total assets | 77.5098% | 592 |
| Net loans and leases to deposits | 98.6979% | 319 |
| Net loans and leases to core deposits | 102.0869% | 586 |
| Total domestic deposits to total assets | 78.5323% | 4,326 |
| Equity capital to assets | 13.4253% | 589 |
| Core capital (leverage) ratio | 9.8969% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5213% | 2,666 |
| Memoranda: | ||
| Average total assets | $612,153,000 | 1,470 |
| Average earning assets | $539,510,000 | 1,552 |
| Average equity | $81,997,333 | 1,137 |
| Average total loans | $459,724,000 | 1,246 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 2,117 |
| Cost of funding earning assets | 0.3703% | 1,062 |
| Net interest margin | 3.0199% | 2,437 |
| Noninterest income to average assets | 1.0759% | 585 |
| Noninterest expense to average assets | 3.1672% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4173% | 3,919 |
| Return on assets (ROA) | 0.4173% | 3,884 |
| Pretax return on assets | 0.5836% | 3,682 |
| Return on Equity (ROE) | 3.1193% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.1193% | 3,220 |
| Net charge-offs to loans | -0.0188% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4402% | 819 |
| Assets per employee ($millions) | 5.6332% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7671% | 180 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.6643% | 778 |
| Net loans and leases to deposits | 91.5221% | 454 |
| Net loans and leases to core deposits | 94.6934% | 704 |
| Total domestic deposits to total assets | 79.3954% | 4,324 |
| Equity capital to assets | 13.1813% | 655 |
| Core capital (leverage) ratio | 10.0436% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8227% | 2,669 |
| Memoranda: | ||
| Average total assets | $608,605,500 | 1,483 |
| Average earning assets | $539,093,000 | 1,563 |
| Average equity | $81,428,000 | 1,179 |
| Average total loans | $446,849,000 | 1,263 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 2,404 |
| Cost of funding earning assets | 0.4631% | 1,108 |
| Net interest margin | 3.1325% | 2,797 |
| Noninterest income to average assets | 1.0781% | 884 |
| Noninterest expense to average assets | 3.2651% | 661 |
| Loan and lease loss provision to assets | 0.0624% | 1,819 |
| Net operating income to assets | 0.3857% | 4,300 |
| Return on assets (ROA) | 0.3857% | 4,329 |
| Pretax return on assets | 0.5288% | 4,210 |
| Return on Equity (ROE) | 2.8801% | 4,380 |
| Retained earnings to average equity (ytd only) | 2.8801% | 3,688 |
| Net charge-offs to loans | -0.0882% | 4,546 |
| Credit loss provision to net charge-offs | -98.9362% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6706% | 538 |
| Assets per employee ($millions) | 5.6373% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,653 |
| Loan loss allowance to noncurrent loans | 2,545.3271% | 438 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 181 |
| Noncurrent loans to loans | 0.0489% | 3,729 |
| Net loans and leases to total assets | 72.3806% | 820 |
| Net loans and leases to deposits | 90.9402% | 530 |
| Net loans and leases to core deposits | 94.3147% | 765 |
| Total domestic deposits to total assets | 79.5915% | 4,257 |
| Equity capital to assets | 13.5849% | 744 |
| Core capital (leverage) ratio | 9.7675% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7516% | 2,341 |
| Memoranda: | ||
| Average total assets | $596,303,600 | 1,456 |
| Average earning assets | $528,849,800 | 1,520 |
| Average equity | $79,857,000 | 1,211 |
| Average total loans | $426,492,400 | 1,309 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 2,681 |
| Cost of funding earning assets | 0.4862% | 1,125 |
| Net interest margin | 3.0692% | 3,130 |
| Noninterest income to average assets | 1.1412% | 874 |
| Noninterest expense to average assets | 3.2420% | 661 |
| Loan and lease loss provision to assets | 0.0832% | 1,426 |
| Net operating income to assets | 0.3787% | 4,404 |
| Return on assets (ROA) | 0.3787% | 4,439 |
| Pretax return on assets | 0.5300% | 4,332 |
| Return on Equity (ROE) | 2.8384% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.8384% | 3,951 |
| Net charge-offs to loans | -0.0516% | 4,372 |
| Credit loss provision to net charge-offs | -226.8293% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0945% | 510 |
| Assets per employee ($millions) | 5.7788% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,900 |
| Loan loss allowance to noncurrent loans | 2,481.0427% | 400 |
| Noncurrent assets plus other real estate owned to assets | 1.8990% | 209 |
| Noncurrent loans to loans | 0.0491% | 3,867 |
| Net loans and leases to total assets | 71.2706% | 954 |
| Net loans and leases to deposits | 89.5657% | 630 |
| Net loans and leases to core deposits | 93.0338% | 869 |
| Total domestic deposits to total assets | 79.5735% | 4,286 |
| Equity capital to assets | 13.5227% | 844 |
| Core capital (leverage) ratio | 9.7842% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7732% | 2,442 |
| Memoranda: | ||
| Average total assets | $595,989,750 | 1,474 |
| Average earning assets | $527,025,250 | 1,541 |
| Average equity | $79,526,750 | 1,233 |
| Average total loans | $423,624,500 | 1,339 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 2,894 |
| Cost of funding earning assets | 0.5260% | 1,058 |
| Net interest margin | 2.9727% | 3,387 |
| Noninterest income to average assets | 1.2193% | 781 |
| Noninterest expense to average assets | 3.2024% | 713 |
| Loan and lease loss provision to assets | 0.1010% | 1,255 |
| Net operating income to assets | 0.3827% | 4,422 |
| Return on assets (ROA) | 0.3827% | 4,458 |
| Pretax return on assets | 0.5340% | 4,332 |
| Return on Equity (ROE) | 2.8811% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.8811% | 3,876 |
| Net charge-offs to loans | -0.0441% | 4,311 |
| Credit loss provision to net charge-offs | -323.6559% | 3,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4528% | 582 |
| Assets per employee ($millions) | 5.7905% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,944 |
| Loan loss allowance to noncurrent loans | 916.1871% | 794 |
| Noncurrent assets plus other real estate owned to assets | 2.4306% | 148 |
| Noncurrent loans to loans | 0.1309% | 3,532 |
| Net loans and leases to total assets | 69.6920% | 1,237 |
| Net loans and leases to deposits | 87.2219% | 832 |
| Net loans and leases to core deposits | 90.7475% | 1,085 |
| Total domestic deposits to total assets | 79.9019% | 4,247 |
| Equity capital to assets | 13.2587% | 876 |
| Core capital (leverage) ratio | 9.6951% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1367% | 2,312 |
| Memoranda: | ||
| Average total assets | $596,248,667 | 1,468 |
| Average earning assets | $525,115,667 | 1,536 |
| Average equity | $79,206,000 | 1,231 |
| Average total loans | $421,683,667 | 1,346 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 2,917 |
| Cost of funding earning assets | 0.5802% | 963 |
| Net interest margin | 2.9232% | 3,459 |
| Noninterest income to average assets | 1.2487% | 808 |
| Noninterest expense to average assets | 3.2201% | 697 |
| Loan and lease loss provision to assets | 0.0944% | 1,420 |
| Net operating income to assets | 0.3439% | 4,458 |
| Return on assets (ROA) | 0.3439% | 4,491 |
| Pretax return on assets | 0.4989% | 4,353 |
| Return on Equity (ROE) | 2.5860% | 4,542 |
| Retained earnings to average equity (ytd only) | 2.5860% | 3,900 |
| Net charge-offs to loans | 0.0352% | 1,124 |
| Credit loss provision to net charge-offs | 378.3784% | 673 |
| Earnings coverage of net charge-offs (x) | 23.7838% | 1,187 |
| Efficiency ratio | 84.4413% | 575 |
| Assets per employee ($millions) | 5.6741% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,326 |
| Loan loss allowance to noncurrent loans | 543.9411% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 2.7028% | 131 |
| Noncurrent loans to loans | 0.2064% | 3,363 |
| Net loans and leases to total assets | 69.0412% | 1,408 |
| Net loans and leases to deposits | 87.4986% | 861 |
| Net loans and leases to core deposits | 91.4895% | 1,140 |
| Total domestic deposits to total assets | 78.9055% | 4,341 |
| Equity capital to assets | 12.9213% | 938 |
| Core capital (leverage) ratio | 9.9103% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3258% | 2,151 |
| Memoranda: | ||
| Average total assets | $593,269,500 | 1,459 |
| Average earning assets | $520,530,000 | 1,536 |
| Average equity | $78,886,500 | 1,228 |
| Average total loans | $420,133,500 | 1,359 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 2,556 |
| Cost of funding earning assets | 0.8779% | 918 |
| Net interest margin | 3.1796% | 3,409 |
| Noninterest income to average assets | 1.2856% | 689 |
| Noninterest expense to average assets | 3.8854% | 419 |
| Loan and lease loss provision to assets | 0.3184% | 1,161 |
| Net operating income to assets | -0.1738% | 4,812 |
| Return on assets (ROA) | -0.1738% | 4,827 |
| Pretax return on assets | -0.1910% | 4,819 |
| Return on Equity (ROE) | -1.1982% | 4,822 |
| Retained earnings to average equity (ytd only) | -1.1982% | 4,652 |
| Net charge-offs to loans | -0.0370% | 4,603 |
| Credit loss provision to net charge-offs | -1,200.6944% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8244% | 219 |
| Assets per employee ($millions) | 5.9148% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,258 |
| Loan loss allowance to noncurrent loans | 470.3704% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 3.0962% | 114 |
| Noncurrent loans to loans | 0.2423% | 3,325 |
| Net loans and leases to total assets | 71.0568% | 1,417 |
| Net loans and leases to deposits | 94.4609% | 632 |
| Net loans and leases to core deposits | 99.5609% | 920 |
| Total domestic deposits to total assets | 75.2236% | 4,564 |
| Equity capital to assets | 13.6981% | 875 |
| Core capital (leverage) ratio | 10.1966% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3818% | 2,092 |
| Memoranda: | ||
| Average total assets | $543,032,800 | 1,446 |
| Average earning assets | $465,787,200 | 1,551 |
| Average equity | $78,784,000 | 1,172 |
| Average total loans | $389,062,400 | 1,404 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,069 |
| Cost of funding earning assets | 0.9449% | 918 |
| Net interest margin | 3.0232% | 3,919 |
| Noninterest income to average assets | 1.1245% | 828 |
| Noninterest expense to average assets | 3.8979% | 412 |
| Loan and lease loss provision to assets | 0.4306% | 772 |
| Net operating income to assets | -0.4866% | 4,897 |
| Return on assets (ROA) | -0.4866% | 4,901 |
| Pretax return on assets | -0.6199% | 4,908 |
| Return on Equity (ROE) | -3.3048% | 4,890 |
| Retained earnings to average equity (ytd only) | -3.3048% | 4,786 |
| Net charge-offs to loans | -0.0411% | 4,622 |
| Credit loss provision to net charge-offs | -1,465.2542% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1038% | 131 |
| Assets per employee ($millions) | 5.5760% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,289 |
| Loan loss allowance to noncurrent loans | 402.4978% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 3.4827% | 111 |
| Noncurrent loans to loans | 0.2692% | 3,332 |
| Net loans and leases to total assets | 75.0095% | 1,234 |
| Net loans and leases to deposits | 101.8816% | 461 |
| Net loans and leases to core deposits | 108.0070% | 768 |
| Total domestic deposits to total assets | 73.6242% | 4,596 |
| Equity capital to assets | 13.6302% | 964 |
| Core capital (leverage) ratio | 10.1460% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3154% | 2,062 |
| Memoranda: | ||
| Average total assets | $535,357,250 | 1,447 |
| Average earning assets | $457,611,500 | 1,552 |
| Average equity | $78,832,250 | 1,163 |
| Average total loans | $383,233,750 | 1,406 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,153 |
| Cost of funding earning assets | 1.0368% | 881 |
| Net interest margin | 3.0252% | 4,067 |
| Noninterest income to average assets | 1.4334% | 511 |
| Noninterest expense to average assets | 3.8701% | 471 |
| Loan and lease loss provision to assets | 0.1255% | 2,775 |
| Net operating income to assets | -0.0153% | 4,792 |
| Return on assets (ROA) | -0.0153% | 4,803 |
| Pretax return on assets | 0.0137% | 4,780 |
| Return on Equity (ROE) | -0.1009% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.1009% | 4,323 |
| Net charge-offs to loans | -0.0463% | 4,665 |
| Credit loss provision to net charge-offs | -387.0588% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5268% | 232 |
| Assets per employee ($millions) | 5.4170% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,393 |
| Loan loss allowance to noncurrent loans | 131.1741% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 3.7186% | 100 |
| Noncurrent loans to loans | 0.5938% | 2,379 |
| Net loans and leases to total assets | 72.5634% | 1,611 |
| Net loans and leases to deposits | 98.8693% | 612 |
| Net loans and leases to core deposits | 105.3711% | 919 |
| Total domestic deposits to total assets | 73.3932% | 4,630 |
| Equity capital to assets | 13.9703% | 864 |
| Core capital (leverage) ratio | 10.6514% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9403% | 1,842 |
| Memoranda: | ||
| Average total assets | $524,225,333 | 1,452 |
| Average earning assets | $446,381,000 | 1,555 |
| Average equity | $79,269,000 | 1,151 |
| Average total loans | $367,214,333 | 1,439 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,816 |
| Cost of funding earning assets | 1.1659% | 859 |
| Net interest margin | 3.1667% | 3,941 |
| Noninterest income to average assets | 0.9109% | 1,047 |
| Noninterest expense to average assets | 3.7598% | 654 |
| Loan and lease loss provision to assets | 0.1187% | 2,207 |
| Net operating income to assets | -0.2215% | 4,861 |
| Return on assets (ROA) | -0.2215% | 4,833 |
| Pretax return on assets | -0.2901% | 4,847 |
| Return on Equity (ROE) | -1.4045% | 4,817 |
| Retained earnings to average equity (ytd only) | -1.4045% | 4,189 |
| Net charge-offs to loans | -0.0292% | 4,463 |
| Credit loss provision to net charge-offs | -596.0000% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7746% | 187 |
| Assets per employee ($millions) | 4.4457% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 4,261 |
| Loan loss allowance to noncurrent loans | 126.6892% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 4.2463% | 92 |
| Noncurrent loans to loans | 0.6758% | 2,304 |
| Net loans and leases to total assets | 70.3990% | 2,189 |
| Net loans and leases to deposits | 95.0039% | 996 |
| Net loans and leases to core deposits | 103.6653% | 1,211 |
| Total domestic deposits to total assets | 74.1011% | 4,653 |
| Equity capital to assets | 16.0679% | 572 |
| Core capital (leverage) ratio | 11.6138% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2263% | 1,836 |
| Memoranda: | ||
| Average total assets | $501,946,000 | 1,460 |
| Average earning assets | $424,410,500 | 1,579 |
| Average equity | $79,173,000 | 1,146 |
| Average total loans | $342,837,000 | 1,478 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 2,767 |
| Cost of funding earning assets | 1.3949% | 577 |
| Net interest margin | 3.1588% | 4,272 |
| Noninterest income to average assets | 1.1629% | 693 |
| Noninterest expense to average assets | 4.5129% | 302 |
| Loan and lease loss provision to assets | 0.3208% | 499 |
| Net operating income to assets | 4.6836% | 42 |
| Return on assets (ROA) | 4.8180% | 44 |
| Pretax return on assets | -0.7374% | 5,078 |
| Return on Equity (ROE) | 39.2707% | 20 |
| Retained earnings to average equity (ytd only) | 39.2707% | 5 |
| Net charge-offs to loans | 0.2741% | 760 |
| Credit loss provision to net charge-offs | 193.8575% | 1,364 |
| Earnings coverage of net charge-offs (x) | -3.5467% | 3,673 |
| Efficiency ratio | 114.9469% | 89 |
| Assets per employee ($millions) | 4.5170% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,179 |
| Loan loss allowance to noncurrent loans | 301.6009% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 4.1609% | 92 |
| Noncurrent loans to loans | 0.2795% | 3,442 |
| Net loans and leases to total assets | 65.1324% | 3,050 |
| Net loans and leases to deposits | 85.1105% | 2,195 |
| Net loans and leases to core deposits | 93.1014% | 2,149 |
| Total domestic deposits to total assets | 76.5269% | 4,543 |
| Equity capital to assets | 15.4883% | 687 |
| Core capital (leverage) ratio | 11.4883% | 2,120 |
| Tier 1 risk-based capital ratio | 15.6956% | 2,504 |
| Total risk-based capital ratio | 16.5203% | 2,605 |
| Memoranda: | ||
| Average total assets | $491,967,000 | 1,450 |
| Average earning assets | $430,355,600 | 1,500 |
| Average equity | $60,358,000 | 1,372 |
| Average total loans | $296,969,800 | 1,618 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 2,643 |
| Cost of funding earning assets | 1.4273% | 518 |
| Net interest margin | 3.1974% | 4,308 |
| Noninterest income to average assets | 1.0615% | 813 |
| Noninterest expense to average assets | 3.7527% | 698 |
| Loan and lease loss provision to assets | 0.1475% | 1,292 |
| Net operating income to assets | -0.0213% | 5,068 |
| Return on assets (ROA) | 0.2076% | 4,959 |
| Pretax return on assets | 0.2076% | 4,983 |
| Return on Equity (ROE) | 1.8174% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.8174% | 4,334 |
| Net charge-offs to loans | -0.0065% | 4,271 |
| Credit loss provision to net charge-offs | -3,850.0000% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7485% | 187 |
| Assets per employee ($millions) | 4.4661% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 4,308 |
| Loan loss allowance to noncurrent loans | 213.9935% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 6.8534% | 37 |
| Noncurrent loans to loans | 0.3878% | 3,157 |
| Net loans and leases to total assets | 63.6018% | 3,326 |
| Net loans and leases to deposits | 79.6292% | 2,937 |
| Net loans and leases to core deposits | 86.9107% | 2,828 |
| Total domestic deposits to total assets | 79.8724% | 4,016 |
| Equity capital to assets | 11.3778% | 2,764 |
| Core capital (leverage) ratio | 11.3049% | 2,373 |
| Tier 1 risk-based capital ratio | 16.2497% | 2,348 |
| Total risk-based capital ratio | 17.0170% | 2,469 |
| Memoranda: | ||
| Average total assets | $487,353,000 | 1,465 |
| Average earning assets | $429,422,250 | 1,523 |
| Average equity | $55,683,500 | 1,449 |
| Average total loans | $287,393,000 | 1,668 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 2,747 |
| Cost of funding earning assets | 1.4141% | 509 |
| Net interest margin | 3.1623% | 4,435 |
| Noninterest income to average assets | 0.9785% | 912 |
| Noninterest expense to average assets | 3.6305% | 819 |
| Loan and lease loss provision to assets | 0.1420% | 1,308 |
| Net operating income to assets | 0.0062% | 5,099 |
| Return on assets (ROA) | 0.2234% | 4,980 |
| Pretax return on assets | 0.2234% | 5,008 |
| Return on Equity (ROE) | 1.9528% | 4,946 |
| Retained earnings to average equity (ytd only) | 1.9528% | 4,128 |
| Net charge-offs to loans | 0.0093% | 2,801 |
| Credit loss provision to net charge-offs | 2,653.8462% | 141 |
| Earnings coverage of net charge-offs (x) | 27.6923% | 1,531 |
| Efficiency ratio | 96.0797% | 203 |
| Assets per employee ($millions) | 4.5515% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,442 |
| Loan loss allowance to noncurrent loans | 38.9902% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 7.2501% | 34 |
| Noncurrent loans to loans | 2.0509% | 684 |
| Net loans and leases to total assets | 60.9819% | 3,653 |
| Net loans and leases to deposits | 77.5485% | 3,185 |
| Net loans and leases to core deposits | 85.4354% | 3,003 |
| Total domestic deposits to total assets | 78.6371% | 4,291 |
| Equity capital to assets | 11.5283% | 2,587 |
| Core capital (leverage) ratio | 11.5540% | 2,120 |
| Tier 1 risk-based capital ratio | 17.0484% | 2,073 |
| Total risk-based capital ratio | 17.7883% | 2,176 |
| Memoranda: | ||
| Average total assets | $486,047,000 | 1,470 |
| Average earning assets | $430,377,670 | 1,527 |
| Average equity | $55,612,670 | 1,440 |
| Average total loans | $278,166,670 | 1,721 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 2,955 |
| Cost of funding earning assets | 1.3846% | 483 |
| Net interest margin | 3.0912% | 4,606 |
| Noninterest income to average assets | 0.7381% | 1,472 |
| Noninterest expense to average assets | 3.4261% | 1,073 |
| Loan and lease loss provision to assets | 0.0824% | 2,052 |
| Net operating income to assets | -0.0264% | 5,155 |
| Return on assets (ROA) | 0.1491% | 5,060 |
| Pretax return on assets | 0.1491% | 5,070 |
| Return on Equity (ROE) | 1.3081% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.3081% | 4,253 |
| Net charge-offs to loans | 0.0807% | 1,281 |
| Credit loss provision to net charge-offs | 185.1852% | 1,100 |
| Earnings coverage of net charge-offs (x) | 1.2593% | 2,609 |
| Efficiency ratio | 98.3913% | 195 |
| Assets per employee ($millions) | 4.1290% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 4,586 |
| Loan loss allowance to noncurrent loans | 21.4293% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 7.8141% | 28 |
| Noncurrent loans to loans | 3.6217% | 242 |
| Net loans and leases to total assets | 57.2563% | 3,963 |
| Net loans and leases to deposits | 72.7634% | 3,549 |
| Net loans and leases to core deposits | 79.7972% | 3,389 |
| Total domestic deposits to total assets | 78.6883% | 4,402 |
| Equity capital to assets | 11.8040% | 2,155 |
| Core capital (leverage) ratio | 11.4191% | 2,199 |
| Tier 1 risk-based capital ratio | 18.5138% | 1,658 |
| Total risk-based capital ratio | 19.2260% | 1,763 |
| Memoranda: | ||
| Average total assets | $485,564,500 | 1,474 |
| Average earning assets | $431,032,000 | 1,535 |
| Average equity | $55,347,000 | 1,440 |
| Average total loans | $267,558,500 | 1,767 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,646 |
| Cost of funding earning assets | 1.3615% | 165 |
| Net interest margin | 3.0743% | 4,686 |
| Noninterest income to average assets | -6.2105% | 5,406 |
| Noninterest expense to average assets | 5.0430% | 204 |
| Loan and lease loss provision to assets | 2.5223% | 25 |
| Net operating income to assets | -11.3145% | 5,406 |
| Return on assets (ROA) | -11.3178% | 5,406 |
| Pretax return on assets | -11.3178% | 5,406 |
| Return on Equity (ROE) | -186.7399% | 5,406 |
| Retained earnings to average equity (ytd only) | -186.7399% | 5,406 |
| Net charge-offs to loans | 4.3598% | 21 |
| Credit loss provision to net charge-offs | 96.9608% | 2,609 |
| Earnings coverage of net charge-offs (x) | -3.3798% | 3,740 |
| Efficiency ratio | -134.5104% | 5,403 |
| Assets per employee ($millions) | 4.5911% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 4,597 |
| Loan loss allowance to noncurrent loans | 17.3161% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 7.7922% | 28 |
| Noncurrent loans to loans | 4.5191% | 138 |
| Net loans and leases to total assets | 52.2435% | 4,394 |
| Net loans and leases to deposits | 70.0632% | 3,821 |
| Net loans and leases to core deposits | 76.7668% | 3,661 |
| Total domestic deposits to total assets | 74.5663% | 4,910 |
| Equity capital to assets | 11.0170% | 2,674 |
| Core capital (leverage) ratio | 11.0903% | 2,446 |
| Tier 1 risk-based capital ratio | 18.5320% | 1,610 |
| Total risk-based capital ratio | 19.2316% | 1,719 |
| Memoranda: | ||
| Average total assets | $481,895,600 | 1,452 |
| Average earning assets | $385,815,200 | 1,646 |
| Average equity | $29,206,400 | 2,380 |
| Average total loans | $287,538,600 | 1,649 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,721 |
| Cost of funding earning assets | 1.3519% | 133 |
| Net interest margin | 3.0206% | 4,821 |
| Noninterest income to average assets | -8.8821% | 5,477 |
| Noninterest expense to average assets | 5.4568% | 158 |
| Loan and lease loss provision to assets | 3.2831% | 19 |
| Net operating income to assets | -15.2756% | 5,477 |
| Return on assets (ROA) | -15.2801% | 5,477 |
| Pretax return on assets | -15.2801% | 5,477 |
| Return on Equity (ROE) | -320.9073% | 5,477 |
| Retained earnings to average equity (ytd only) | -320.9073% | 5,477 |
| Net charge-offs to loans | 5.3360% | 16 |
| Credit loss provision to net charge-offs | 100.0340% | 2,246 |
| Earnings coverage of net charge-offs (x) | -3.6541% | 3,454 |
| Efficiency ratio | -83.4922% | 5,476 |
| Assets per employee ($millions) | 4.0658% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 3,866 |
| Loan loss allowance to noncurrent loans | 17.4164% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 9.1503% | 24 |
| Noncurrent loans to loans | 5.6514% | 97 |
| Net loans and leases to total assets | 52.6474% | 4,450 |
| Net loans and leases to deposits | 64.2333% | 4,317 |
| Net loans and leases to core deposits | 70.2571% | 4,174 |
| Total domestic deposits to total assets | 81.9627% | 3,621 |
| Equity capital to assets | 11.4813% | 2,272 |
| Core capital (leverage) ratio | 10.8198% | 2,773 |
| Tier 1 risk-based capital ratio | 19.6477% | 1,409 |
| Total risk-based capital ratio | 20.5305% | 1,446 |
| Memoranda: | ||
| Average total assets | $477,263,000 | 1,464 |
| Average earning assets | $370,729,000 | 1,723 |
| Average equity | $22,725,000 | 2,854 |
| Average total loans | $293,547,750 | 1,628 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,730 |
| Cost of funding earning assets | 1.3550% | 86 |
| Net interest margin | 2.9540% | 4,937 |
| Noninterest income to average assets | 0.6522% | 2,083 |
| Noninterest expense to average assets | 4.6165% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.7728% | 5,504 |
| Return on assets (ROA) | -1.7794% | 5,498 |
| Pretax return on assets | -1.7794% | 5,494 |
| Return on Equity (ROE) | -68.9201% | 5,539 |
| Retained earnings to average equity (ytd only) | -68.9201% | 5,538 |
| Net charge-offs to loans | -0.1057% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.3390% | 23 |
| Assets per employee ($millions) | 4.1960% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,317 |
| Loan loss allowance to noncurrent loans | 5.8454% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 32.8778% | 1 |
| Noncurrent loans to loans | 15.4729% | 8 |
| Net loans and leases to total assets | 60.7564% | 3,734 |
| Net loans and leases to deposits | 72.3820% | 3,679 |
| Net loans and leases to core deposits | 78.9462% | 3,502 |
| Total domestic deposits to total assets | 83.9385% | 3,092 |
| Equity capital to assets | 2.0953% | 5,541 |
| Core capital (leverage) ratio | 2.1103% | 5,542 |
| Tier 1 risk-based capital ratio | 2.5457% | 5,542 |
| Total risk-based capital ratio | 3.2127% | 5,542 |
| Memoranda: | ||
| Average total assets | $480,493,670 | 1,468 |
| Average earning assets | $356,464,000 | 1,795 |
| Average equity | $12,405,670 | 4,025 |
| Average total loans | $308,526,670 | 1,565 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,735 |
| Cost of funding earning assets | 1.2233% | 123 |
| Net interest margin | 3.0196% | 4,849 |
| Noninterest income to average assets | 0.8399% | 1,329 |
| Noninterest expense to average assets | 4.1839% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.0573% | 5,533 |
| Return on assets (ROA) | -1.0573% | 5,532 |
| Pretax return on assets | -1.0573% | 5,534 |
| Return on Equity (ROE) | -37.5301% | 5,586 |
| Retained earnings to average equity (ytd only) | -37.5301% | 5,571 |
| Net charge-offs to loans | -0.3288% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8162% | 45 |
| Assets per employee ($millions) | 4.3229% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 4,618 |
| Loan loss allowance to noncurrent loans | 4.1940% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 32.7849% | 1 |
| Noncurrent loans to loans | 20.4123% | 4 |
| Net loans and leases to total assets | 65.8791% | 3,050 |
| Net loans and leases to deposits | 76.1144% | 3,202 |
| Net loans and leases to core deposits | 82.3014% | 3,118 |
| Total domestic deposits to total assets | 86.5528% | 2,292 |
| Equity capital to assets | 2.7240% | 5,600 |
| Core capital (leverage) ratio | 2.6671% | 5,603 |
| Tier 1 risk-based capital ratio | 3.1272% | 5,606 |
| Total risk-based capital ratio | 3.7810% | 5,606 |
| Memoranda: | ||
| Average total assets | $485,766,000 | 1,458 |
| Average earning assets | $367,862,000 | 1,755 |
| Average equity | $13,685,000 | 3,876 |
| Average total loans | $318,725,000 | 1,525 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,482 |
| Cost of funding earning assets | 1.1692% | 85 |
| Net interest margin | 2.8085% | 5,159 |
| Noninterest income to average assets | 0.8363% | 1,447 |
| Noninterest expense to average assets | 3.8443% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.8550% | 5,570 |
| Return on assets (ROA) | -0.8550% | 5,570 |
| Pretax return on assets | -0.8550% | 5,582 |
| Return on Equity (ROE) | -25.8124% | 5,651 |
| Retained earnings to average equity (ytd only) | -25.8124% | 5,633 |
| Net charge-offs to loans | 0.3506% | 727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -3.7487% | 4,064 |
| Efficiency ratio | 128.6035% | 46 |
| Assets per employee ($millions) | 4.5506% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 4,929 |
| Loan loss allowance to noncurrent loans | 3.7143% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 31.7338% | 1 |
| Noncurrent loans to loans | 20.4596% | 2 |
| Net loans and leases to total assets | 64.3198% | 3,330 |
| Net loans and leases to deposits | 72.6256% | 3,633 |
| Net loans and leases to core deposits | 78.2468% | 3,568 |
| Total domestic deposits to total assets | 88.5634% | 1,218 |
| Equity capital to assets | 2.9066% | 5,664 |
| Core capital (leverage) ratio | 2.8495% | 5,666 |
| Tier 1 risk-based capital ratio | 3.4454% | 5,670 |
| Total risk-based capital ratio | 4.0373% | 5,670 |
| Memoranda: | ||
| Average total assets | $505,939,200 | 1,389 |
| Average earning assets | $387,857,400 | 1,637 |
| Average equity | $16,759,400 | 3,506 |
| Average total loans | $329,109,400 | 1,452 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 3,710 |
| Cost of funding earning assets | 1.1543% | 84 |
| Net interest margin | 2.7365% | 5,292 |
| Noninterest income to average assets | 0.6456% | 2,231 |
| Noninterest expense to average assets | 3.7902% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.0437% | 5,671 |
| Return on assets (ROA) | -1.0437% | 5,670 |
| Pretax return on assets | -1.0437% | 5,661 |
| Return on Equity (ROE) | -30.5940% | 5,721 |
| Retained earnings to average equity (ytd only) | -30.5940% | 5,705 |
| Net charge-offs to loans | 0.1490% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -10.7568% | 3,770 |
| Efficiency ratio | 138.0025% | 36 |
| Assets per employee ($millions) | 4.5912% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,003 |
| Loan loss allowance to noncurrent loans | 4.9066% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 31.8139% | 1 |
| Noncurrent loans to loans | 20.5677% | 3 |
| Net loans and leases to total assets | 63.2524% | 3,520 |
| Net loans and leases to deposits | 70.7707% | 3,895 |
| Net loans and leases to core deposits | 76.3384% | 3,781 |
| Total domestic deposits to total assets | 89.3766% | 709 |
| Equity capital to assets | 2.9952% | 5,730 |
| Core capital (leverage) ratio | 2.8806% | 5,732 |
| Tier 1 risk-based capital ratio | 3.5267% | 5,735 |
| Total risk-based capital ratio | 4.3079% | 5,735 |
| Memoranda: | ||
| Average total assets | $508,420,500 | 1,390 |
| Average earning assets | $390,313,750 | 1,641 |
| Average equity | $17,345,000 | 3,484 |
| Average total loans | $331,017,250 | 1,451 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 3,759 |
| Cost of funding earning assets | 1.1346% | 82 |
| Net interest margin | 2.7054% | 5,353 |
| Noninterest income to average assets | 1.2002% | 711 |
| Noninterest expense to average assets | 3.7536% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.4708% | 5,676 |
| Return on assets (ROA) | -0.4708% | 5,674 |
| Pretax return on assets | -0.4708% | 5,663 |
| Return on Equity (ROE) | -13.2706% | 5,736 |
| Retained earnings to average equity (ytd only) | -13.2706% | 5,690 |
| Net charge-offs to loans | 0.3501% | 574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.0529% | 3,445 |
| Efficiency ratio | 114.3402% | 84 |
| Assets per employee ($millions) | 4.5042% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,623 |
| Loan loss allowance to noncurrent loans | 4.3558% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 31.7015% | 1 |
| Noncurrent loans to loans | 20.7635% | 3 |
| Net loans and leases to total assets | 64.8188% | 3,279 |
| Net loans and leases to deposits | 72.9369% | 3,652 |
| Net loans and leases to core deposits | 78.3936% | 3,561 |
| Total domestic deposits to total assets | 88.8697% | 1,023 |
| Equity capital to assets | 3.4887% | 5,778 |
| Core capital (leverage) ratio | 3.4223% | 5,780 |
| Tier 1 risk-based capital ratio | 4.1015% | 5,784 |
| Total risk-based capital ratio | 4.8135% | 5,785 |
| Memoranda: | ||
| Average total assets | $511,080,330 | 1,385 |
| Average earning assets | $393,428,670 | 1,631 |
| Average equity | $18,130,330 | 3,381 |
| Average total loans | $334,767,000 | 1,435 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 3,779 |
| Cost of funding earning assets | 1.1238% | 84 |
| Net interest margin | 2.6712% | 5,419 |
| Noninterest income to average assets | 0.8139% | 1,506 |
| Noninterest expense to average assets | 3.6811% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.8139% | 5,773 |
| Return on assets (ROA) | -0.8139% | 5,772 |
| Pretax return on assets | -0.8139% | 5,760 |
| Return on Equity (ROE) | -22.7548% | 5,825 |
| Retained earnings to average equity (ytd only) | -22.7548% | 5,756 |
| Net charge-offs to loans | 0.3158% | 586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -3.9321% | 2,902 |
| Efficiency ratio | 128.3846% | 61 |
| Assets per employee ($millions) | 4.5964% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 4,235 |
| Loan loss allowance to noncurrent loans | 4.7721% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 32.5048% | 2 |
| Noncurrent loans to loans | 21.1025% | 7 |
| Net loans and leases to total assets | 64.7832% | 3,148 |
| Net loans and leases to deposits | 72.5790% | 3,556 |
| Net loans and leases to core deposits | 77.2695% | 3,537 |
| Total domestic deposits to total assets | 89.2589% | 1,022 |
| Equity capital to assets | 3.5170% | 5,845 |
| Core capital (leverage) ratio | 3.4504% | 5,847 |
| Tier 1 risk-based capital ratio | 4.1150% | 5,848 |
| Total risk-based capital ratio | 4.8983% | 5,850 |
| Memoranda: | ||
| Average total assets | $512,131,000 | 1,389 |
| Average earning assets | $393,678,000 | 1,640 |
| Average equity | $18,317,000 | 3,371 |
| Average total loans | $335,688,000 | 1,439 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 3,971 |
| Cost of funding earning assets | 1.1632% | 61 |
| Net interest margin | 2.6163% | 5,495 |
| Noninterest income to average assets | 1.3014% | 674 |
| Noninterest expense to average assets | 3.7451% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4135% | 5,767 |
| Return on assets (ROA) | -0.3938% | 5,771 |
| Pretax return on assets | -0.3938% | 5,761 |
| Return on Equity (ROE) | -10.5018% | 5,836 |
| Retained earnings to average equity (ytd only) | -10.5018% | 5,788 |
| Net charge-offs to loans | 0.0014% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -440.4000% | 4,278 |
| Efficiency ratio | 112.4126% | 114 |
| Assets per employee ($millions) | 4.5899% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,969 |
| Loan loss allowance to noncurrent loans | 5.0917% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 32.0565% | 1 |
| Noncurrent loans to loans | 20.7471% | 5 |
| Net loans and leases to total assets | 64.9562% | 3,225 |
| Net loans and leases to deposits | 71.4687% | 3,762 |
| Net loans and leases to core deposits | 75.9722% | 3,747 |
| Total domestic deposits to total assets | 90.8877% | 314 |
| Equity capital to assets | 3.6347% | 5,896 |
| Core capital (leverage) ratio | 3.5194% | 5,900 |
| Tier 1 risk-based capital ratio | 4.2664% | 5,900 |
| Total risk-based capital ratio | 5.0939% | 5,905 |
| Memoranda: | ||
| Average total assets | $532,485,200 | 1,297 |
| Average earning assets | $413,176,800 | 1,523 |
| Average equity | $19,968,000 | 3,174 |
| Average total loans | $353,736,600 | 1,328 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,031 |
| Cost of funding earning assets | 1.1579% | 64 |
| Net interest margin | 2.6084% | 5,581 |
| Noninterest income to average assets | 1.3847% | 620 |
| Noninterest expense to average assets | 3.7844% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3727% | 5,838 |
| Return on assets (ROA) | -0.3465% | 5,843 |
| Pretax return on assets | -0.3465% | 5,827 |
| Return on Equity (ROE) | -9.1732% | 5,904 |
| Retained earnings to average equity (ytd only) | -9.1732% | 5,840 |
| Net charge-offs to loans | 0.0672% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -8.3223% | 3,918 |
| Efficiency ratio | 110.9231% | 115 |
| Assets per employee ($millions) | 4.6582% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 4,492 |
| Loan loss allowance to noncurrent loans | 4.6684% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 31.8946% | 1 |
| Noncurrent loans to loans | 21.0993% | 3 |
| Net loans and leases to total assets | 64.7781% | 3,303 |
| Net loans and leases to deposits | 71.1282% | 3,875 |
| Net loans and leases to core deposits | 75.3135% | 3,899 |
| Total domestic deposits to total assets | 91.0723% | 175 |
| Equity capital to assets | 3.7001% | 5,968 |
| Core capital (leverage) ratio | 3.6075% | 5,968 |
| Tier 1 risk-based capital ratio | 4.3602% | 5,973 |
| Total risk-based capital ratio | 5.1353% | 5,974 |
| Memoranda: | ||
| Average total assets | $535,940,750 | 1,296 |
| Average earning assets | $416,486,250 | 1,515 |
| Average equity | $20,247,000 | 3,166 |
| Average total loans | $357,045,500 | 1,312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,063 |
| Cost of funding earning assets | 1.1468% | 71 |
| Net interest margin | 2.6214% | 5,648 |
| Noninterest income to average assets | 1.2953% | 684 |
| Noninterest expense to average assets | 3.7871% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4477% | 5,910 |
| Return on assets (ROA) | -0.4477% | 5,918 |
| Pretax return on assets | -0.4477% | 5,914 |
| Return on Equity (ROE) | -12.6674% | 5,991 |
| Retained earnings to average equity (ytd only) | -12.6674% | 5,911 |
| Net charge-offs to loans | 0.0304% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -21.8182% | 3,662 |
| Efficiency ratio | 113.4063% | 123 |
| Assets per employee ($millions) | 4.8689% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 2,140 |
| Loan loss allowance to noncurrent loans | 6.6624% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 32.2802% | 1 |
| Noncurrent loans to loans | 21.5180% | 3 |
| Net loans and leases to total assets | 64.7887% | 3,253 |
| Net loans and leases to deposits | 70.9915% | 3,885 |
| Net loans and leases to core deposits | 74.8947% | 3,917 |
| Total domestic deposits to total assets | 91.2626% | 144 |
| Equity capital to assets | 3.4473% | 6,044 |
| Core capital (leverage) ratio | 3.3611% | 6,044 |
| Tier 1 risk-based capital ratio | 3.9847% | 6,050 |
| Total risk-based capital ratio | 5.1055% | 6,050 |
| Memoranda: | ||
| Average total assets | $536,076,670 | 1,295 |
| Average earning assets | $418,026,000 | 1,509 |
| Average equity | $18,946,330 | 3,309 |
| Average total loans | $361,755,670 | 1,296 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 4,095 |
| Cost of funding earning assets | 1.1374% | 76 |
| Net interest margin | 2.6235% | 5,701 |
| Noninterest income to average assets | 1.0628% | 962 |
| Noninterest expense to average assets | 3.7768% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.6600% | 5,994 |
| Return on assets (ROA) | -0.6600% | 5,999 |
| Pretax return on assets | -0.6600% | 5,990 |
| Return on Equity (ROE) | -18.4490% | 6,062 |
| Retained earnings to average equity (ytd only) | -18.4490% | 5,954 |
| Net charge-offs to loans | -0.1658% | 5,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1773% | 100 |
| Assets per employee ($millions) | 4.6805% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 2,111 |
| Loan loss allowance to noncurrent loans | 6.7176% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 32.7471% | 1 |
| Noncurrent loans to loans | 21.9057% | 3 |
| Net loans and leases to total assets | 65.3563% | 3,053 |
| Net loans and leases to deposits | 71.7931% | 3,670 |
| Net loans and leases to core deposits | 75.5850% | 3,720 |
| Total domestic deposits to total assets | 91.0342% | 264 |
| Equity capital to assets | 3.4909% | 6,103 |
| Core capital (leverage) ratio | 3.4072% | 6,104 |
| Tier 1 risk-based capital ratio | 3.9946% | 6,110 |
| Total risk-based capital ratio | 5.1440% | 6,111 |
| Memoranda: | ||
| Average total assets | $536,323,500 | 1,297 |
| Average earning assets | $419,894,000 | 1,508 |
| Average equity | $19,188,000 | 3,283 |
| Average total loans | $366,663,500 | 1,279 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6122% | 4,636 |
| Cost of funding earning assets | 1.1299% | 82 |
| Net interest margin | 2.4823% | 5,839 |
| Noninterest income to average assets | 1.3425% | 671 |
| Noninterest expense to average assets | 3.7037% | 972 |
| Loan and lease loss provision to assets | 0.0434% | 3,461 |
| Net operating income to assets | -0.4322% | 6,027 |
| Return on assets (ROA) | -0.4316% | 6,036 |
| Pretax return on assets | -0.4316% | 6,025 |
| Return on Equity (ROE) | -11.2919% | 6,113 |
| Retained earnings to average equity (ytd only) | -11.2919% | 6,055 |
| Net charge-offs to loans | 1.0712% | 180 |
| Credit loss provision to net charge-offs | 5.7533% | 3,854 |
| Earnings coverage of net charge-offs (x) | -0.5156% | 4,308 |
| Efficiency ratio | 111.7285% | 127 |
| Assets per employee ($millions) | 4.5287% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 2,641 |
| Loan loss allowance to noncurrent loans | 5.5979% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 33.1183% | 1 |
| Noncurrent loans to loans | 24.2211% | 1 |
| Net loans and leases to total assets | 69.4598% | 2,457 |
| Net loans and leases to deposits | 78.1997% | 3,035 |
| Net loans and leases to core deposits | 82.2866% | 3,115 |
| Total domestic deposits to total assets | 88.8237% | 1,213 |
| Equity capital to assets | 3.6651% | 6,161 |
| Core capital (leverage) ratio | 3.5712% | 6,162 |
| Tier 1 risk-based capital ratio | 4.0679% | 6,170 |
| Total risk-based capital ratio | 5.1520% | 6,171 |
| Memoranda: | ||
| Average total assets | $544,000,200 | 1,250 |
| Average earning assets | $432,262,000 | 1,445 |
| Average equity | $20,793,600 | 3,096 |
| Average total loans | $382,922,200 | 1,207 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,806 |
| Cost of funding earning assets | 1.1364% | 80 |
| Net interest margin | 2.4400% | 5,948 |
| Noninterest income to average assets | 1.5205% | 539 |
| Noninterest expense to average assets | 3.7903% | 862 |
| Loan and lease loss provision to assets | 0.0576% | 3,034 |
| Net operating income to assets | -0.3877% | 6,111 |
| Return on assets (ROA) | -0.3870% | 6,122 |
| Pretax return on assets | -0.3870% | 6,111 |
| Return on Equity (ROE) | -10.0240% | 6,182 |
| Retained earnings to average equity (ytd only) | -10.0240% | 6,127 |
| Net charge-offs to loans | 1.0900% | 169 |
| Credit loss provision to net charge-offs | 7.5064% | 3,472 |
| Earnings coverage of net charge-offs (x) | -0.4303% | 4,021 |
| Efficiency ratio | 109.5416% | 154 |
| Assets per employee ($millions) | 4.6161% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 1,844 |
| Loan loss allowance to noncurrent loans | 6.9506% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 31.9758% | 1 |
| Noncurrent loans to loans | 22.7850% | 3 |
| Net loans and leases to total assets | 69.7286% | 2,429 |
| Net loans and leases to deposits | 78.4929% | 3,053 |
| Net loans and leases to core deposits | 82.4449% | 3,209 |
| Total domestic deposits to total assets | 88.8343% | 1,111 |
| Equity capital to assets | 3.7941% | 6,247 |
| Core capital (leverage) ratio | 3.6778% | 6,247 |
| Tier 1 risk-based capital ratio | 4.1690% | 6,258 |
| Total risk-based capital ratio | 5.4193% | 6,259 |
| Memoranda: | ||
| Average total assets | $546,403,250 | 1,250 |
| Average earning assets | $434,360,000 | 1,436 |
| Average equity | $21,095,500 | 3,086 |
| Average total loans | $384,581,000 | 1,202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5061% | 4,963 |
| Cost of funding earning assets | 1.1512% | 71 |
| Net interest margin | 2.3550% | 6,066 |
| Noninterest income to average assets | 1.4115% | 638 |
| Noninterest expense to average assets | 3.7275% | 957 |
| Loan and lease loss provision to assets | 0.0861% | 2,389 |
| Net operating income to assets | -0.5276% | 6,195 |
| Return on assets (ROA) | -0.5276% | 6,205 |
| Pretax return on assets | -0.5276% | 6,193 |
| Return on Equity (ROE) | -13.5888% | 6,274 |
| Retained earnings to average equity (ytd only) | -13.5888% | 6,222 |
| Net charge-offs to loans | 1.3691% | 134 |
| Credit loss provision to net charge-offs | 8.9496% | 3,109 |
| Earnings coverage of net charge-offs (x) | -0.4592% | 3,746 |
| Efficiency ratio | 113.4376% | 143 |
| Assets per employee ($millions) | 4.5237% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,539 |
| Loan loss allowance to noncurrent loans | 7.3041% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 31.6547% | 2 |
| Noncurrent loans to loans | 23.6794% | 4 |
| Net loans and leases to total assets | 68.7345% | 2,528 |
| Net loans and leases to deposits | 76.2544% | 3,242 |
| Net loans and leases to core deposits | 79.9802% | 3,388 |
| Total domestic deposits to total assets | 90.1384% | 604 |
| Equity capital to assets | 3.7902% | 6,322 |
| Core capital (leverage) ratio | 3.6755% | 6,323 |
| Tier 1 risk-based capital ratio | 4.2156% | 6,334 |
| Total risk-based capital ratio | 5.4671% | 6,335 |
| Memoranda: | ||
| Average total assets | $548,510,670 | 1,251 |
| Average earning assets | $436,605,000 | 1,437 |
| Average equity | $21,297,000 | 3,079 |
| Average total loans | $385,224,330 | 1,196 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 4,939 |
| Cost of funding earning assets | 1.1576% | 71 |
| Net interest margin | 2.3499% | 6,130 |
| Noninterest income to average assets | 1.3893% | 603 |
| Noninterest expense to average assets | 3.7741% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5129% | 6,249 |
| Return on assets (ROA) | -0.5129% | 6,257 |
| Pretax return on assets | -0.5129% | 6,244 |
| Return on Equity (ROE) | -13.0575% | 6,335 |
| Retained earnings to average equity (ytd only) | -13.0575% | 6,197 |
| Net charge-offs to loans | 0.0928% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -7.8556% | 3,239 |
| Efficiency ratio | 115.7286% | 155 |
| Assets per employee ($millions) | 4.6797% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 720 |
| Loan loss allowance to noncurrent loans | 10.1914% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 29.1875% | 2 |
| Noncurrent loans to loans | 22.4171% | 7 |
| Net loans and leases to total assets | 68.7649% | 2,321 |
| Net loans and leases to deposits | 75.4644% | 3,120 |
| Net loans and leases to core deposits | 79.3145% | 3,247 |
| Total domestic deposits to total assets | 91.1223% | 327 |
| Equity capital to assets | 3.8651% | 6,394 |
| Core capital (leverage) ratio | 3.7580% | 6,395 |
| Tier 1 risk-based capital ratio | 4.3119% | 6,405 |
| Total risk-based capital ratio | 5.5693% | 6,405 |
| Memoranda: | ||
| Average total assets | $551,343,500 | 1,251 |
| Average earning assets | $439,169,500 | 1,434 |
| Average equity | $21,658,000 | 3,052 |
| Average total loans | $387,992,000 | 1,187 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,738 |
| Cost of funding earning assets | 1.0870% | 145 |
| Net interest margin | 2.6269% | 6,037 |
| Noninterest income to average assets | 1.0168% | 1,177 |
| Noninterest expense to average assets | 3.3510% | 1,798 |
| Loan and lease loss provision to assets | 0.9235% | 126 |
| Net operating income to assets | -1.1378% | 6,395 |
| Return on assets (ROA) | -1.1376% | 6,397 |
| Pretax return on assets | -1.1376% | 6,386 |
| Return on Equity (ROE) | -24.7062% | 6,459 |
| Retained earnings to average equity (ytd only) | -24.7062% | 6,450 |
| Net charge-offs to loans | 0.9702% | 322 |
| Credit loss provision to net charge-offs | 133.5484% | 1,777 |
| Earnings coverage of net charge-offs (x) | -0.3099% | 4,747 |
| Efficiency ratio | 106.8324% | 254 |
| Assets per employee ($millions) | 4.6651% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 727 |
| Loan loss allowance to noncurrent loans | 9.8568% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 29.9516% | 2 |
| Noncurrent loans to loans | 23.2825% | 6 |
| Net loans and leases to total assets | 69.6989% | 2,280 |
| Net loans and leases to deposits | 76.5631% | 3,134 |
| Net loans and leases to core deposits | 80.7289% | 3,214 |
| Total domestic deposits to total assets | 91.0346% | 350 |
| Equity capital to assets | 3.9918% | 6,481 |
| Core capital (leverage) ratio | 3.8287% | 6,481 |
| Tier 1 risk-based capital ratio | 4.8058% | 6,489 |
| Total risk-based capital ratio | 6.0653% | 6,491 |
| Memoranda: | ||
| Average total assets | $560,395,800 | 1,184 |
| Average earning assets | $452,240,200 | 1,356 |
| Average equity | $25,803,200 | 2,588 |
| Average total loans | $399,418,400 | 1,102 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,789 |
| Cost of funding earning assets | 1.0652% | 180 |
| Net interest margin | 2.6602% | 6,057 |
| Noninterest income to average assets | 1.0062% | 1,211 |
| Noninterest expense to average assets | 3.3845% | 1,711 |
| Loan and lease loss provision to assets | 1.0643% | 105 |
| Net operating income to assets | -1.2921% | 6,492 |
| Return on assets (ROA) | -1.2924% | 6,486 |
| Pretax return on assets | -1.2924% | 6,478 |
| Return on Equity (ROE) | -27.1836% | 6,532 |
| Retained earnings to average equity (ytd only) | -27.1836% | 6,522 |
| Net charge-offs to loans | 1.1239% | 254 |
| Credit loss provision to net charge-offs | 132.8897% | 1,747 |
| Earnings coverage of net charge-offs (x) | -0.2845% | 4,483 |
| Efficiency ratio | 107.2190% | 256 |
| Assets per employee ($millions) | 4.8596% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 879 |
| Loan loss allowance to noncurrent loans | 9.4012% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 30.0178% | 4 |
| Noncurrent loans to loans | 23.9325% | 8 |
| Net loans and leases to total assets | 68.5976% | 2,450 |
| Net loans and leases to deposits | 75.7366% | 3,208 |
| Net loans and leases to core deposits | 80.0838% | 3,300 |
| Total domestic deposits to total assets | 90.5740% | 499 |
| Equity capital to assets | 4.0921% | 6,550 |
| Core capital (leverage) ratio | 3.9209% | 6,553 |
| Tier 1 risk-based capital ratio | 4.9998% | 6,564 |
| Total risk-based capital ratio | 6.2588% | 6,564 |
| Memoranda: | ||
| Average total assets | $562,873,500 | 1,189 |
| Average earning assets | $454,997,750 | 1,359 |
| Average equity | $26,760,500 | 2,515 |
| Average total loans | $401,099,500 | 1,095 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,852 |
| Cost of funding earning assets | 1.0408% | 206 |
| Net interest margin | 2.6630% | 6,095 |
| Noninterest income to average assets | 1.1024% | 974 |
| Noninterest expense to average assets | 3.3551% | 1,794 |
| Loan and lease loss provision to assets | 0.0805% | 2,690 |
| Net operating income to assets | -0.1772% | 6,304 |
| Return on assets (ROA) | -0.1776% | 6,316 |
| Pretax return on assets | -0.1776% | 6,300 |
| Return on Equity (ROE) | -3.5712% | 6,400 |
| Retained earnings to average equity (ytd only) | -3.5712% | 6,142 |
| Net charge-offs to loans | 0.4222% | 968 |
| Credit loss provision to net charge-offs | 26.6120% | 3,102 |
| Earnings coverage of net charge-offs (x) | -0.3200% | 4,165 |
| Efficiency ratio | 102.9700% | 338 |
| Assets per employee ($millions) | 4.9955% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 1,948 |
| Loan loss allowance to noncurrent loans | 7.5410% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 29.9925% | 3 |
| Noncurrent loans to loans | 23.3635% | 6 |
| Net loans and leases to total assets | 69.3794% | 2,172 |
| Net loans and leases to deposits | 78.2371% | 2,767 |
| Net loans and leases to core deposits | 82.4216% | 2,921 |
| Total domestic deposits to total assets | 88.6784% | 1,551 |
| Equity capital to assets | 4.8928% | 6,591 |
| Core capital (leverage) ratio | 4.8123% | 6,590 |
| Tier 1 risk-based capital ratio | 5.9791% | 6,617 |
| Total risk-based capital ratio | 7.2327% | 6,615 |
| Memoranda: | ||
| Average total assets | $564,212,670 | 1,179 |
| Average earning assets | $456,772,670 | 1,345 |
| Average equity | $28,057,670 | 2,408 |
| Average total loans | $404,070,670 | 1,083 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,675 |
| Cost of funding earning assets | 1.0162% | 254 |
| Net interest margin | 2.7325% | 6,058 |
| Noninterest income to average assets | 1.1453% | 851 |
| Noninterest expense to average assets | 3.3776% | 1,757 |
| Loan and lease loss provision to assets | 0.1617% | 1,505 |
| Net operating income to assets | -0.1781% | 6,345 |
| Return on assets (ROA) | -0.1781% | 6,346 |
| Pretax return on assets | -0.1781% | 6,332 |
| Return on Equity (ROE) | -3.5518% | 6,425 |
| Retained earnings to average equity (ytd only) | -3.5518% | 6,017 |
| Net charge-offs to loans | 0.5264% | 703 |
| Credit loss provision to net charge-offs | 42.5891% | 2,279 |
| Earnings coverage of net charge-offs (x) | -0.0432% | 3,434 |
| Efficiency ratio | 100.4874% | 453 |
| Assets per employee ($millions) | 4.9653% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 1,933 |
| Loan loss allowance to noncurrent loans | 6.7319% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 33.3983% | 3 |
| Noncurrent loans to loans | 27.2995% | 5 |
| Net loans and leases to total assets | 70.5042% | 1,797 |
| Net loans and leases to deposits | 80.0761% | 2,283 |
| Net loans and leases to core deposits | 83.8704% | 2,532 |
| Total domestic deposits to total assets | 88.0466% | 2,213 |
| Equity capital to assets | 4.9995% | 6,637 |
| Core capital (leverage) ratio | 4.9071% | 6,648 |
| Tier 1 risk-based capital ratio | 5.9769% | 6,678 |
| Total risk-based capital ratio | 7.2313% | 6,679 |
| Memoranda: | ||
| Average total assets | $561,576,000 | 1,190 |
| Average earning assets | $455,410,000 | 1,358 |
| Average equity | $28,154,500 | 2,393 |
| Average total loans | $405,010,000 | 1,080 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 4,734 |
| Cost of funding earning assets | 1.2322% | 152 |
| Net interest margin | 2.5891% | 6,275 |
| Noninterest income to average assets | 1.1662% | 1,034 |
| Noninterest expense to average assets | 3.3985% | 1,884 |
| Loan and lease loss provision to assets | 0.2605% | 1,367 |
| Net operating income to assets | -0.5399% | 6,505 |
| Return on assets (ROA) | -0.4715% | 6,490 |
| Pretax return on assets | -0.2938% | 6,409 |
| Return on Equity (ROE) | -9.0210% | 6,574 |
| Retained earnings to average equity (ytd only) | -9.0210% | 6,518 |
| Net charge-offs to loans | 0.5634% | 1,166 |
| Credit loss provision to net charge-offs | 64.2101% | 3,446 |
| Earnings coverage of net charge-offs (x) | -0.2507% | 5,159 |
| Efficiency ratio | 103.0856% | 394 |
| Assets per employee ($millions) | 4.8041% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 1,795 |
| Loan loss allowance to noncurrent loans | 6.3544% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 34.8245% | 3 |
| Noncurrent loans to loans | 29.8171% | 5 |
| Net loans and leases to total assets | 71.0437% | 1,832 |
| Net loans and leases to deposits | 82.7793% | 2,097 |
| Net loans and leases to core deposits | 86.2587% | 2,413 |
| Total domestic deposits to total assets | 85.8231% | 3,351 |
| Equity capital to assets | 5.0274% | 6,688 |
| Core capital (leverage) ratio | 4.8760% | 6,721 |
| Tier 1 risk-based capital ratio | 6.0983% | 6,751 |
| Total risk-based capital ratio | 7.3538% | 6,752 |
| Memoranda: | ||
| Average total assets | $581,962,400 | 1,144 |
| Average earning assets | $478,889,400 | 1,274 |
| Average equity | $30,417,800 | 2,234 |
| Average total loans | $419,027,400 | 1,021 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 4,619 |
| Cost of funding earning assets | 1.2924% | 127 |
| Net interest margin | 2.5733% | 6,343 |
| Noninterest income to average assets | 0.9711% | 1,532 |
| Noninterest expense to average assets | 3.4059% | 1,810 |
| Loan and lease loss provision to assets | 0.1109% | 2,916 |
| Net operating income to assets | -0.4298% | 6,575 |
| Return on assets (ROA) | -0.3394% | 6,557 |
| Pretax return on assets | -0.3353% | 6,538 |
| Return on Equity (ROE) | -6.4344% | 6,637 |
| Retained earnings to average equity (ytd only) | -6.4344% | 6,553 |
| Net charge-offs to loans | 0.7427% | 805 |
| Credit loss provision to net charge-offs | 20.7571% | 4,066 |
| Earnings coverage of net charge-offs (x) | -0.5895% | 4,962 |
| Efficiency ratio | 110.1859% | 263 |
| Assets per employee ($millions) | 4.8337% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 2,959 |
| Loan loss allowance to noncurrent loans | 7.1260% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 29.4406% | 4 |
| Noncurrent loans to loans | 22.6154% | 13 |
| Net loans and leases to total assets | 71.0481% | 1,769 |
| Net loans and leases to deposits | 81.2423% | 2,240 |
| Net loans and leases to core deposits | 85.2889% | 2,491 |
| Total domestic deposits to total assets | 87.4521% | 2,440 |
| Equity capital to assets | 5.1807% | 6,760 |
| Core capital (leverage) ratio | 4.8180% | 6,793 |
| Tier 1 risk-based capital ratio | 6.0953% | 6,825 |
| Total risk-based capital ratio | 7.3476% | 6,825 |
| Memoranda: | ||
| Average total assets | $586,934,250 | 1,148 |
| Average earning assets | $483,524,000 | 1,277 |
| Average equity | $30,957,750 | 2,217 |
| Average total loans | $422,026,500 | 1,015 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 4,599 |
| Cost of funding earning assets | 1.3433% | 118 |
| Net interest margin | 2.5233% | 6,424 |
| Noninterest income to average assets | 1.0443% | 1,397 |
| Noninterest expense to average assets | 3.4212% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3019% | 6,549 |
| Return on assets (ROA) | -0.1672% | 6,500 |
| Pretax return on assets | -0.1611% | 6,471 |
| Return on Equity (ROE) | -3.1522% | 6,588 |
| Retained earnings to average equity (ytd only) | -3.1522% | 6,327 |
| Net charge-offs to loans | 0.0363% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -11.3506% | 4,865 |
| Efficiency ratio | 109.4660% | 286 |
| Assets per employee ($millions) | 5.0082% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0421% | 1,761 |
| Loan loss allowance to noncurrent loans | 9.0667% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 29.3510% | 3 |
| Noncurrent loans to loans | 22.5230% | 14 |
| Net loans and leases to total assets | 68.2540% | 2,188 |
| Net loans and leases to deposits | 77.3365% | 2,669 |
| Net loans and leases to core deposits | 81.0483% | 2,908 |
| Total domestic deposits to total assets | 88.2558% | 2,072 |
| Equity capital to assets | 5.2049% | 6,811 |
| Core capital (leverage) ratio | 4.9617% | 6,831 |
| Tier 1 risk-based capital ratio | 6.3503% | 6,863 |
| Total risk-based capital ratio | 7.6076% | 6,865 |
| Memoranda: | ||
| Average total assets | $590,841,670 | 1,138 |
| Average earning assets | $487,294,670 | 1,261 |
| Average equity | $31,343,670 | 2,195 |
| Average total loans | $424,245,000 | 1,004 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 4,454 |
| Cost of funding earning assets | 1.3551% | 121 |
| Net interest margin | 2.5487% | 6,444 |
| Noninterest income to average assets | 0.8486% | 1,935 |
| Noninterest expense to average assets | 3.4338% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4821% | 6,665 |
| Return on assets (ROA) | -0.2155% | 6,564 |
| Pretax return on assets | -0.2047% | 6,550 |
| Return on Equity (ROE) | -4.0247% | 6,652 |
| Retained earnings to average equity (ytd only) | -4.0247% | 6,280 |
| Net charge-offs to loans | 0.0308% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -21.0000% | 4,124 |
| Efficiency ratio | 115.9054% | 251 |
| Assets per employee ($millions) | 4.9759% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 2,042 |
| Loan loss allowance to noncurrent loans | 8.1879% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 30.3841% | 4 |
| Noncurrent loans to loans | 24.4387% | 11 |
| Net loans and leases to total assets | 71.0981% | 1,503 |
| Net loans and leases to deposits | 80.5933% | 2,006 |
| Net loans and leases to core deposits | 84.5770% | 2,256 |
| Total domestic deposits to total assets | 88.2184% | 2,180 |
| Equity capital to assets | 5.3108% | 6,872 |
| Core capital (leverage) ratio | 5.0001% | 6,878 |
| Tier 1 risk-based capital ratio | 6.3242% | 6,921 |
| Total risk-based capital ratio | 7.5813% | 6,923 |
| Memoranda: | ||
| Average total assets | $588,272,500 | 1,152 |
| Average earning assets | $487,935,500 | 1,270 |
| Average equity | $31,505,500 | 2,212 |
| Average total loans | $428,737,500 | 995 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 5,645 |
| Cost of funding earning assets | 1.5493% | 134 |
| Net interest margin | 2.3279% | 6,822 |
| Noninterest income to average assets | 0.9857% | 1,574 |
| Noninterest expense to average assets | 2.9544% | 3,450 |
| Loan and lease loss provision to assets | 0.7041% | 728 |
| Net operating income to assets | -1.0921% | 6,767 |
| Return on assets (ROA) | -0.9802% | 6,755 |
| Pretax return on assets | -0.5591% | 6,602 |
| Return on Equity (ROE) | -16.2128% | 6,841 |
| Retained earnings to average equity (ytd only) | -16.2128% | 6,792 |
| Net charge-offs to loans | 0.8344% | 1,388 |
| Credit loss provision to net charge-offs | 113.4703% | 2,562 |
| Earnings coverage of net charge-offs (x) | 0.0533% | 5,465 |
| Efficiency ratio | 98.8919% | 596 |
| Assets per employee ($millions) | 5.3098% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9831% | 2,060 |
| Loan loss allowance to noncurrent loans | 7.8276% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 30.1729% | 4 |
| Noncurrent loans to loans | 25.3352% | 11 |
| Net loans and leases to total assets | 71.7586% | 1,522 |
| Net loans and leases to deposits | 82.6267% | 1,918 |
| Net loans and leases to core deposits | 86.2812% | 2,276 |
| Total domestic deposits to total assets | 86.8468% | 2,915 |
| Equity capital to assets | 5.4002% | 6,926 |
| Core capital (leverage) ratio | 5.0238% | 6,931 |
| Tier 1 risk-based capital ratio | 6.4259% | 6,976 |
| Total risk-based capital ratio | 7.6831% | 6,978 |
| Memoranda: | ||
| Average total assets | $604,157,200 | 1,100 |
| Average earning assets | $519,516,400 | 1,168 |
| Average equity | $36,526,600 | 1,899 |
| Average total loans | $449,304,000 | 921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 5,885 |
| Cost of funding earning assets | 1.5899% | 134 |
| Net interest margin | 2.2706% | 6,956 |
| Noninterest income to average assets | 0.9928% | 1,523 |
| Noninterest expense to average assets | 2.8925% | 3,628 |
| Loan and lease loss provision to assets | 0.4249% | 1,492 |
| Net operating income to assets | -0.3580% | 6,622 |
| Return on assets (ROA) | -0.2097% | 6,575 |
| Pretax return on assets | -0.2097% | 6,547 |
| Return on Equity (ROE) | -3.3809% | 6,641 |
| Retained earnings to average equity (ytd only) | -3.3809% | 6,507 |
| Net charge-offs to loans | 1.0355% | 1,016 |
| Credit loss provision to net charge-offs | 54.9659% | 4,281 |
| Earnings coverage of net charge-offs (x) | 0.0866% | 5,294 |
| Efficiency ratio | 97.7394% | 609 |
| Assets per employee ($millions) | 5.3055% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 4,049 |
| Loan loss allowance to noncurrent loans | 5.2630% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 30.8342% | 5 |
| Noncurrent loans to loans | 28.0307% | 12 |
| Net loans and leases to total assets | 72.0172% | 1,555 |
| Net loans and leases to deposits | 82.7590% | 2,021 |
| Net loans and leases to core deposits | 87.7717% | 2,239 |
| Total domestic deposits to total assets | 87.0204% | 2,657 |
| Equity capital to assets | 6.1347% | 6,978 |
| Core capital (leverage) ratio | 5.3487% | 6,991 |
| Tier 1 risk-based capital ratio | 6.7874% | 7,059 |
| Total risk-based capital ratio | 8.0386% | 7,060 |
| Memoranda: | ||
| Average total assets | $607,850,750 | 1,097 |
| Average earning assets | $526,475,250 | 1,156 |
| Average equity | $37,701,250 | 1,858 |
| Average total loans | $453,757,500 | 916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 6,002 |
| Cost of funding earning assets | 1.5993% | 153 |
| Net interest margin | 2.2635% | 7,020 |
| Noninterest income to average assets | 1.0714% | 1,247 |
| Noninterest expense to average assets | 2.8296% | 3,907 |
| Loan and lease loss provision to assets | 0.2398% | 2,667 |
| Net operating income to assets | -0.0210% | 6,350 |
| Return on assets (ROA) | 0.2005% | 6,098 |
| Pretax return on assets | 0.2005% | 6,149 |
| Return on Equity (ROE) | 3.2203% | 5,596 |
| Retained earnings to average equity (ytd only) | 3.2203% | 4,468 |
| Net charge-offs to loans | 0.8786% | 1,252 |
| Credit loss provision to net charge-offs | 36.3095% | 4,333 |
| Earnings coverage of net charge-offs (x) | 0.3313% | 4,912 |
| Efficiency ratio | 92.8226% | 875 |
| Assets per employee ($millions) | 5.3155% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 4,058 |
| Loan loss allowance to noncurrent loans | 5.5397% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 28.1174% | 7 |
| Noncurrent loans to loans | 26.8805% | 12 |
| Net loans and leases to total assets | 73.2445% | 1,359 |
| Net loans and leases to deposits | 84.2466% | 1,827 |
| Net loans and leases to core deposits | 89.8728% | 2,002 |
| Total domestic deposits to total assets | 86.9406% | 2,807 |
| Equity capital to assets | 6.2666% | 7,008 |
| Core capital (leverage) ratio | 5.6381% | 7,017 |
| Tier 1 risk-based capital ratio | 7.1274% | 7,089 |
| Total risk-based capital ratio | 8.3784% | 7,086 |
| Memoranda: | ||
| Average total assets | $610,625,670 | 1,091 |
| Average earning assets | $533,344,330 | 1,146 |
| Average equity | $38,008,670 | 1,839 |
| Average total loans | $458,934,330 | 895 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 6,119 |
| Cost of funding earning assets | 1.6252% | 170 |
| Net interest margin | 2.2347% | 7,082 |
| Noninterest income to average assets | 0.6161% | 3,127 |
| Noninterest expense to average assets | 2.8176% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2432% | 6,668 |
| Return on assets (ROA) | -0.2432% | 6,719 |
| Pretax return on assets | -0.2432% | 6,694 |
| Return on Equity (ROE) | -3.9198% | 6,803 |
| Retained earnings to average equity (ytd only) | -3.9198% | 6,486 |
| Net charge-offs to loans | 0.1657% | 3,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.9424% | 4,610 |
| Efficiency ratio | 109.4450% | 344 |
| Assets per employee ($millions) | 5.2214% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 3,348 |
| Loan loss allowance to noncurrent loans | 5.1340% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 32.3990% | 4 |
| Noncurrent loans to loans | 33.1352% | 10 |
| Net loans and leases to total assets | 74.3548% | 1,007 |
| Net loans and leases to deposits | 84.9577% | 1,542 |
| Net loans and leases to core deposits | 92.0215% | 1,646 |
| Total domestic deposits to total assets | 87.5199% | 2,640 |
| Equity capital to assets | 6.1750% | 7,057 |
| Core capital (leverage) ratio | 5.5375% | 7,078 |
| Tier 1 risk-based capital ratio | 6.8922% | 7,140 |
| Total risk-based capital ratio | 8.1468% | 7,142 |
| Memoranda: | ||
| Average total assets | $610,296,500 | 1,090 |
| Average earning assets | $534,842,500 | 1,144 |
| Average equity | $37,859,500 | 1,838 |
| Average total loans | $461,151,500 | 891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 6,523 |
| Cost of funding earning assets | 1.7235% | 298 |
| Net interest margin | 2.2384% | 7,163 |
| Noninterest income to average assets | 0.4864% | 3,950 |
| Noninterest expense to average assets | 2.7395% | 4,591 |
| Loan and lease loss provision to assets | 0.5352% | 1,961 |
| Net operating income to assets | -0.9660% | 6,728 |
| Return on assets (ROA) | -0.9663% | 6,754 |
| Pretax return on assets | -0.8190% | 6,653 |
| Return on Equity (ROE) | -14.7972% | 6,887 |
| Retained earnings to average equity (ytd only) | -14.7972% | 6,865 |
| Net charge-offs to loans | 0.7967% | 2,166 |
| Credit loss provision to net charge-offs | 90.0107% | 3,999 |
| Earnings coverage of net charge-offs (x) | -0.4767% | 6,072 |
| Efficiency ratio | 111.5420% | 406 |
| Assets per employee ($millions) | 5.2560% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 3,032 |
| Loan loss allowance to noncurrent loans | 6.0664% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 28.8451% | 10 |
| Noncurrent loans to loans | 28.8417% | 17 |
| Net loans and leases to total assets | 74.1613% | 1,248 |
| Net loans and leases to deposits | 85.0741% | 1,797 |
| Net loans and leases to core deposits | 91.9777% | 1,887 |
| Total domestic deposits to total assets | 87.1726% | 2,661 |
| Equity capital to assets | 6.2320% | 7,070 |
| Core capital (leverage) ratio | 5.4862% | 7,099 |
| Tier 1 risk-based capital ratio | 6.9952% | 7,157 |
| Total risk-based capital ratio | 8.2504% | 7,158 |
| Memoranda: | ||
| Average total assets | $627,936,000 | 1,035 |
| Average earning assets | $552,528,800 | 1,076 |
| Average equity | $41,007,800 | 1,636 |
| Average total loans | $468,680,800 | 891 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 6,547 |
| Cost of funding earning assets | 1.7376% | 337 |
| Net interest margin | 2.2904% | 7,220 |
| Noninterest income to average assets | 0.8386% | 1,882 |
| Noninterest expense to average assets | 3.0585% | 3,322 |
| Loan and lease loss provision to assets | 0.7001% | 1,375 |
| Net operating income to assets | -0.9033% | 6,843 |
| Return on assets (ROA) | -0.9037% | 6,881 |
| Pretax return on assets | -0.9037% | 6,833 |
| Return on Equity (ROE) | -13.6872% | 6,986 |
| Retained earnings to average equity (ytd only) | -13.6872% | 6,960 |
| Net charge-offs to loans | 1.0116% | 1,590 |
| Credit loss provision to net charge-offs | 92.9731% | 3,672 |
| Earnings coverage of net charge-offs (x) | -0.2699% | 5,752 |
| Efficiency ratio | 107.1170% | 483 |
| Assets per employee ($millions) | 5.2873% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 3,032 |
| Loan loss allowance to noncurrent loans | 7.1325% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 25.0644% | 20 |
| Noncurrent loans to loans | 24.8390% | 27 |
| Net loans and leases to total assets | 72.0301% | 1,696 |
| Net loans and leases to deposits | 82.8097% | 2,202 |
| Net loans and leases to core deposits | 90.8005% | 2,147 |
| Total domestic deposits to total assets | 86.9826% | 2,670 |
| Equity capital to assets | 6.3493% | 7,151 |
| Core capital (leverage) ratio | 5.4817% | 7,183 |
| Tier 1 risk-based capital ratio | 7.2002% | 7,232 |
| Total risk-based capital ratio | 8.4556% | 7,232 |
| Memoranda: | ||
| Average total assets | $632,496,500 | 1,031 |
| Average earning assets | $556,908,750 | 1,074 |
| Average equity | $41,760,750 | 1,616 |
| Average total loans | $470,798,750 | 902 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 6,693 |
| Cost of funding earning assets | 1.7466% | 395 |
| Net interest margin | 2.2350% | 7,304 |
| Noninterest income to average assets | 0.7721% | 2,150 |
| Noninterest expense to average assets | 2.8914% | 4,055 |
| Loan and lease loss provision to assets | 0.3548% | 2,657 |
| Net operating income to assets | -0.5054% | 6,693 |
| Return on assets (ROA) | -0.5060% | 6,718 |
| Pretax return on assets | -0.5060% | 6,661 |
| Return on Equity (ROE) | -7.5676% | 6,845 |
| Retained earnings to average equity (ytd only) | -7.5676% | 6,746 |
| Net charge-offs to loans | -0.3642% | 7,365 |
| Credit loss provision to net charge-offs | -130.2433% | 6,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4935% | 570 |
| Assets per employee ($millions) | 5.3393% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 1,906 |
| Loan loss allowance to noncurrent loans | 8.9362% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 24.9348% | 26 |
| Noncurrent loans to loans | 24.7143% | 34 |
| Net loans and leases to total assets | 72.5603% | 1,672 |
| Net loans and leases to deposits | 84.0478% | 2,100 |
| Net loans and leases to core deposits | 93.3005% | 1,985 |
| Total domestic deposits to total assets | 86.3322% | 3,139 |
| Equity capital to assets | 6.6868% | 7,157 |
| Core capital (leverage) ratio | 5.9683% | 7,199 |
| Tier 1 risk-based capital ratio | 7.6954% | 7,266 |
| Total risk-based capital ratio | 8.9564% | 7,273 |
| Memoranda: | ||
| Average total assets | $633,598,670 | 1,037 |
| Average earning assets | $558,116,330 | 1,082 |
| Average equity | $42,364,670 | 1,583 |
| Average total loans | $473,938,330 | 913 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 6,769 |
| Cost of funding earning assets | 1.7666% | 427 |
| Net interest margin | 2.1803% | 7,365 |
| Noninterest income to average assets | 0.5089% | 3,811 |
| Noninterest expense to average assets | 3.2242% | 2,803 |
| Loan and lease loss provision to assets | 0.7106% | 1,193 |
| Net operating income to assets | -1.5034% | 7,202 |
| Return on assets (ROA) | -1.5034% | 7,204 |
| Pretax return on assets | -1.5034% | 7,161 |
| Return on Equity (ROE) | -22.4851% | 7,248 |
| Retained earnings to average equity (ytd only) | -22.4851% | 7,199 |
| Net charge-offs to loans | 0.7357% | 1,745 |
| Credit loss provision to net charge-offs | 128.6041% | 2,150 |
| Earnings coverage of net charge-offs (x) | -1.4348% | 4,931 |
| Efficiency ratio | 132.6053% | 245 |
| Assets per employee ($millions) | 5.2832% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,887 |
| Loan loss allowance to noncurrent loans | 8.1880% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 23.2147% | 38 |
| Noncurrent loans to loans | 22.4758% | 50 |
| Net loans and leases to total assets | 72.9853% | 1,515 |
| Net loans and leases to deposits | 84.6866% | 1,931 |
| Net loans and leases to core deposits | 93.9435% | 1,889 |
| Total domestic deposits to total assets | 86.1829% | 3,415 |
| Equity capital to assets | 6.4821% | 7,214 |
| Core capital (leverage) ratio | 5.8097% | 7,279 |
| Tier 1 risk-based capital ratio | 7.4356% | 7,330 |
| Total risk-based capital ratio | 8.6922% | 7,334 |
| Memoranda: | ||
| Average total assets | $632,707,000 | 1,054 |
| Average earning assets | $557,903,000 | 1,094 |
| Average equity | $42,303,500 | 1,570 |
| Average total loans | $475,184,000 | 918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 6,551 |
| Cost of funding earning assets | 2.1512% | 358 |
| Net interest margin | 2.2839% | 7,380 |
| Noninterest income to average assets | 0.5320% | 3,939 |
| Noninterest expense to average assets | 3.0967% | 3,467 |
| Loan and lease loss provision to assets | 1.2002% | 1,307 |
| Net operating income to assets | -1.5994% | 6,938 |
| Return on assets (ROA) | -1.4066% | 6,898 |
| Pretax return on assets | -1.5140% | 6,858 |
| Return on Equity (ROE) | -19.2172% | 7,022 |
| Retained earnings to average equity (ytd only) | -19.2172% | 6,999 |
| Net charge-offs to loans | 1.3274% | 1,682 |
| Credit loss provision to net charge-offs | 123.5908% | 3,348 |
| Earnings coverage of net charge-offs (x) | -0.5366% | 6,474 |
| Efficiency ratio | 120.2328% | 403 |
| Assets per employee ($millions) | 5.4907% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 2,995 |
| Loan loss allowance to noncurrent loans | 9.2204% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 20.6340% | 64 |
| Noncurrent loans to loans | 19.0766% | 82 |
| Net loans and leases to total assets | 74.5218% | 1,567 |
| Net loans and leases to deposits | 85.8918% | 2,124 |
| Net loans and leases to core deposits | 95.4963% | 2,070 |
| Total domestic deposits to total assets | 86.7623% | 2,946 |
| Equity capital to assets | 6.8910% | 7,143 |
| Core capital (leverage) ratio | 5.9531% | 7,308 |
| Tier 1 risk-based capital ratio | 7.8683% | 7,356 |
| Total risk-based capital ratio | 9.1241% | 7,362 |
| Memoranda: | ||
| Average total assets | $670,490,200 | 989 |
| Average earning assets | $599,934,000 | 1,009 |
| Average equity | $49,075,800 | 1,362 |
| Average total loans | $490,491,600 | 911 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 6,676 |
| Cost of funding earning assets | 2.1995% | 383 |
| Net interest margin | 2.2674% | 7,493 |
| Noninterest income to average assets | 0.5039% | 4,152 |
| Noninterest expense to average assets | 3.1052% | 3,311 |
| Loan and lease loss provision to assets | 1.1221% | 1,296 |
| Net operating income to assets | -1.0545% | 6,929 |
| Return on assets (ROA) | -0.9947% | 6,947 |
| Pretax return on assets | -1.5949% | 7,073 |
| Return on Equity (ROE) | -13.4078% | 7,052 |
| Retained earnings to average equity (ytd only) | -13.4078% | 7,019 |
| Net charge-offs to loans | 1.1847% | 1,719 |
| Credit loss provision to net charge-offs | 130.5885% | 3,092 |
| Earnings coverage of net charge-offs (x) | -0.6590% | 6,380 |
| Efficiency ratio | 122.3020% | 369 |
| Assets per employee ($millions) | 5.7029% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 3,250 |
| Loan loss allowance to noncurrent loans | 9.8516% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 17.6955% | 93 |
| Noncurrent loans to loans | 16.9627% | 122 |
| Net loans and leases to total assets | 72.5775% | 2,107 |
| Net loans and leases to deposits | 83.7863% | 2,740 |
| Net loans and leases to core deposits | 93.5615% | 2,583 |
| Total domestic deposits to total assets | 86.6221% | 2,740 |
| Equity capital to assets | 7.3013% | 7,226 |
| Core capital (leverage) ratio | 6.2046% | 7,402 |
| Tier 1 risk-based capital ratio | 7.9186% | 7,486 |
| Total risk-based capital ratio | 9.1728% | 7,488 |
| Memoranda: | ||
| Average total assets | $680,254,500 | 982 |
| Average earning assets | $610,549,000 | 1,002 |
| Average equity | $50,466,750 | 1,328 |
| Average total loans | $493,369,500 | 915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4845% | 6,747 |
| Cost of funding earning assets | 2.2630% | 383 |
| Net interest margin | 2.2215% | 7,570 |
| Noninterest income to average assets | 0.4604% | 4,433 |
| Noninterest expense to average assets | 3.1461% | 3,115 |
| Loan and lease loss provision to assets | 1.6725% | 762 |
| Net operating income to assets | -1.4716% | 7,143 |
| Return on assets (ROA) | -1.3813% | 7,124 |
| Pretax return on assets | -2.2147% | 7,298 |
| Return on Equity (ROE) | -18.5230% | 7,244 |
| Retained earnings to average equity (ytd only) | -18.5230% | 7,217 |
| Net charge-offs to loans | 1.0303% | 1,814 |
| Credit loss provision to net charge-offs | 225.1278% | 1,720 |
| Earnings coverage of net charge-offs (x) | -0.9198% | 6,104 |
| Efficiency ratio | 127.7461% | 331 |
| Assets per employee ($millions) | 5.7116% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 2,097 |
| Loan loss allowance to noncurrent loans | 14.1867% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 15.3729% | 132 |
| Noncurrent loans to loans | 14.3722% | 190 |
| Net loans and leases to total assets | 73.0304% | 2,163 |
| Net loans and leases to deposits | 85.2834% | 2,645 |
| Net loans and leases to core deposits | 96.3871% | 2,404 |
| Total domestic deposits to total assets | 85.6326% | 3,296 |
| Equity capital to assets | 7.3213% | 7,213 |
| Core capital (leverage) ratio | 6.1670% | 7,454 |
| Tier 1 risk-based capital ratio | 8.0638% | 7,519 |
| Total risk-based capital ratio | 9.3227% | 7,526 |
| Memoranda: | ||
| Average total assets | $684,594,000 | 982 |
| Average earning assets | $617,053,000 | 994 |
| Average equity | $51,050,000 | 1,305 |
| Average total loans | $493,661,670 | 923 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 7,045 |
| Cost of funding earning assets | 2.3133% | 416 |
| Net interest margin | 2.0557% | 7,704 |
| Noninterest income to average assets | 0.4175% | 4,753 |
| Noninterest expense to average assets | 2.8481% | 4,286 |
| Loan and lease loss provision to assets | 0.6026% | 2,109 |
| Net operating income to assets | -0.7213% | 6,965 |
| Return on assets (ROA) | -0.5612% | 6,901 |
| Pretax return on assets | -0.9206% | 7,014 |
| Return on Equity (ROE) | -7.4616% | 7,027 |
| Retained earnings to average equity (ytd only) | -7.4616% | 6,784 |
| Net charge-offs to loans | 1.0480% | 1,580 |
| Credit loss provision to net charge-offs | 81.0518% | 3,853 |
| Earnings coverage of net charge-offs (x) | -0.7641% | 5,342 |
| Efficiency ratio | 124.9180% | 392 |
| Assets per employee ($millions) | 5.6722% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 4,662 |
| Loan loss allowance to noncurrent loans | 9.2020% | 7,346 |
| Noncurrent assets plus other real estate owned to assets | 14.6432% | 143 |
| Noncurrent loans to loans | 14.6983% | 191 |
| Net loans and leases to total assets | 70.6039% | 2,781 |
| Net loans and leases to deposits | 81.0901% | 3,445 |
| Net loans and leases to core deposits | 93.7938% | 2,863 |
| Total domestic deposits to total assets | 87.0685% | 2,596 |
| Equity capital to assets | 7.5018% | 7,073 |
| Core capital (leverage) ratio | 6.7763% | 7,362 |
| Tier 1 risk-based capital ratio | 9.1662% | 7,440 |
| Total risk-based capital ratio | 10.4168% | 7,446 |
| Memoranda: | ||
| Average total assets | $695,616,000 | 987 |
| Average earning assets | $630,258,500 | 992 |
| Average equity | $52,321,500 | 1,282 |
| Average total loans | $493,525,500 | 949 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 7,056 |
| Cost of funding earning assets | 2.8212% | 416 |
| Net interest margin | 1.9279% | 7,772 |
| Noninterest income to average assets | 0.3550% | 5,567 |
| Noninterest expense to average assets | 2.8239% | 4,869 |
| Loan and lease loss provision to assets | 1.1850% | 1,943 |
| Net operating income to assets | -1.2674% | 6,745 |
| Return on assets (ROA) | -0.9926% | 6,575 |
| Pretax return on assets | -1.4864% | 6,696 |
| Return on Equity (ROE) | -13.0188% | 6,830 |
| Retained earnings to average equity (ytd only) | -13.0188% | 6,759 |
| Net charge-offs to loans | 1.7451% | 1,432 |
| Credit loss provision to net charge-offs | 98.5961% | 5,651 |
| Earnings coverage of net charge-offs (x) | -0.5935% | 6,749 |
| Efficiency ratio | 133.7958% | 438 |
| Assets per employee ($millions) | 5.2604% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 4,287 |
| Loan loss allowance to noncurrent loans | 9.6058% | 7,372 |
| Noncurrent assets plus other real estate owned to assets | 13.3706% | 186 |
| Noncurrent loans to loans | 14.4642% | 190 |
| Net loans and leases to total assets | 69.3631% | 3,401 |
| Net loans and leases to deposits | 79.3334% | 4,114 |
| Net loans and leases to core deposits | 107.2064% | 3,189 |
| Total domestic deposits to total assets | 87.4324% | 2,251 |
| Equity capital to assets | 7.5409% | 6,997 |
| Core capital (leverage) ratio | 7.3008% | 6,984 |
| Tier 1 risk-based capital ratio | 9.9967% | 6,873 |
| Total risk-based capital ratio | 11.2478% | 6,846 |
| Memoranda: | ||
| Average total assets | $717,106,000 | 949 |
| Average earning assets | $652,983,800 | 953 |
| Average equity | $54,674,800 | 1,203 |
| Average total loans | $493,896,600 | 977 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 6,842 |
| Cost of funding earning assets | 2.9210% | 420 |
| Net interest margin | 1.9952% | 7,813 |
| Noninterest income to average assets | 0.3403% | 5,768 |
| Noninterest expense to average assets | 2.7421% | 5,139 |
| Loan and lease loss provision to assets | 0.9068% | 2,117 |
| Net operating income to assets | -0.8882% | 6,754 |
| Return on assets (ROA) | -0.5425% | 6,469 |
| Pretax return on assets | -0.9516% | 6,645 |
| Return on Equity (ROE) | -7.0958% | 6,669 |
| Retained earnings to average equity (ytd only) | -7.0958% | 6,517 |
| Net charge-offs to loans | 1.4884% | 1,377 |
| Credit loss provision to net charge-offs | 88.9252% | 5,512 |
| Earnings coverage of net charge-offs (x) | -0.5743% | 6,505 |
| Efficiency ratio | 127.1549% | 502 |
| Assets per employee ($millions) | 5.2130% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 4,623 |
| Loan loss allowance to noncurrent loans | 11.8926% | 7,413 |
| Noncurrent assets plus other real estate owned to assets | 11.2040% | 270 |
| Noncurrent loans to loans | 10.7544% | 346 |
| Net loans and leases to total assets | 71.2496% | 3,209 |
| Net loans and leases to deposits | 81.9907% | 4,024 |
| Net loans and leases to core deposits | 112.9590% | 2,934 |
| Total domestic deposits to total assets | 86.8997% | 2,232 |
| Equity capital to assets | 7.7710% | 7,063 |
| Core capital (leverage) ratio | 7.6322% | 6,825 |
| Tier 1 risk-based capital ratio | 9.9332% | 7,032 |
| Total risk-based capital ratio | 11.1390% | 7,028 |
| Memoranda: | ||
| Average total assets | $720,159,500 | 958 |
| Average earning assets | $655,567,500 | 955 |
| Average equity | $55,054,750 | 1,209 |
| Average total loans | $493,414,750 | 996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 6,958 |
| Cost of funding earning assets | 2.9827% | 499 |
| Net interest margin | 1.9505% | 7,890 |
| Noninterest income to average assets | 0.2845% | 6,230 |
| Noninterest expense to average assets | 2.7543% | 5,160 |
| Loan and lease loss provision to assets | 1.2462% | 1,373 |
| Net operating income to assets | -1.1323% | 7,075 |
| Return on assets (ROA) | -0.6197% | 6,679 |
| Pretax return on assets | -1.1387% | 6,898 |
| Return on Equity (ROE) | -8.1484% | 6,899 |
| Retained earnings to average equity (ytd only) | -8.1484% | 6,684 |
| Net charge-offs to loans | 1.7846% | 1,060 |
| Credit loss provision to net charge-offs | 103.6741% | 4,429 |
| Earnings coverage of net charge-offs (x) | -0.5774% | 6,116 |
| Efficiency ratio | 133.6839% | 488 |
| Assets per employee ($millions) | 5.0649% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,482 |
| Loan loss allowance to noncurrent loans | 15.3459% | 7,359 |
| Noncurrent assets plus other real estate owned to assets | 10.1126% | 285 |
| Noncurrent loans to loans | 9.4304% | 391 |
| Net loans and leases to total assets | 71.4205% | 3,373 |
| Net loans and leases to deposits | 82.4498% | 4,149 |
| Net loans and leases to core deposits | 116.0066% | 2,710 |
| Total domestic deposits to total assets | 86.6230% | 2,447 |
| Equity capital to assets | 7.7667% | 7,014 |
| Core capital (leverage) ratio | 7.7423% | 6,685 |
| Tier 1 risk-based capital ratio | 10.2189% | 6,689 |
| Total risk-based capital ratio | 11.4704% | 6,620 |
| Memoranda: | ||
| Average total assets | $729,101,330 | 957 |
| Average earning assets | $663,836,670 | 960 |
| Average equity | $55,446,670 | 1,217 |
| Average total loans | $491,087,000 | 1,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 7,022 |
| Cost of funding earning assets | 2.9618% | 664 |
| Net interest margin | 2.0041% | 7,893 |
| Noninterest income to average assets | 0.3453% | 5,685 |
| Noninterest expense to average assets | 2.2784% | 6,606 |
| Loan and lease loss provision to assets | 0.4799% | 2,558 |
| Net operating income to assets | -0.3693% | 6,752 |
| Return on assets (ROA) | -0.2464% | 6,690 |
| Pretax return on assets | -0.3948% | 6,742 |
| Return on Equity (ROE) | -3.2711% | 6,806 |
| Retained earnings to average equity (ytd only) | -3.2711% | 6,325 |
| Net charge-offs to loans | 1.3599% | 1,040 |
| Credit loss provision to net charge-offs | 54.2720% | 4,612 |
| Earnings coverage of net charge-offs (x) | -0.1209% | 5,092 |
| Efficiency ratio | 104.9253% | 955 |
| Assets per employee ($millions) | 5.0852% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,251 |
| Loan loss allowance to noncurrent loans | 21.4836% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 7.4311% | 432 |
| Noncurrent loans to loans | 5.9282% | 816 |
| Net loans and leases to total assets | 70.0542% | 3,655 |
| Net loans and leases to deposits | 80.6076% | 4,520 |
| Net loans and leases to core deposits | 112.7128% | 3,139 |
| Total domestic deposits to total assets | 86.9077% | 2,265 |
| Equity capital to assets | 8.2585% | 6,449 |
| Core capital (leverage) ratio | 7.6246% | 6,992 |
| Tier 1 risk-based capital ratio | 10.2792% | 6,613 |
| Total risk-based capital ratio | 11.4433% | 6,634 |
| Memoranda: | ||
| Average total assets | $751,771,000 | 930 |
| Average earning assets | $684,982,500 | 931 |
| Average equity | $56,617,000 | 1,192 |
| Average total loans | $488,872,000 | 1,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0370% | 5,381 |
| Cost of funding earning assets | 3.5411% | 469 |
| Net interest margin | 2.4959% | 7,761 |
| Noninterest income to average assets | 0.4106% | 5,387 |
| Noninterest expense to average assets | 2.4318% | 6,290 |
| Loan and lease loss provision to assets | 1.4589% | 932 |
| Net operating income to assets | -0.6837% | 7,053 |
| Return on assets (ROA) | -0.6845% | 6,959 |
| Pretax return on assets | -1.1665% | 7,098 |
| Return on Equity (ROE) | -8.3432% | 7,144 |
| Retained earnings to average equity (ytd only) | -8.3432% | 6,908 |
| Net charge-offs to loans | 2.0550% | 519 |
| Credit loss provision to net charge-offs | 104.5743% | 5,115 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 6,109 |
| Efficiency ratio | 89.2264% | 1,577 |
| Assets per employee ($millions) | 5.6386% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,974 |
| Loan loss allowance to noncurrent loans | 30.7402% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 4.8337% | 742 |
| Noncurrent loans to loans | 4.6825% | 997 |
| Net loans and leases to total assets | 59.1163% | 6,041 |
| Net loans and leases to deposits | 71.5558% | 6,110 |
| Net loans and leases to core deposits | 92.7713% | 5,562 |
| Total domestic deposits to total assets | 82.6157% | 3,941 |
| Equity capital to assets | 6.9116% | 7,772 |
| Core capital (leverage) ratio | 7.5611% | 7,131 |
| Tier 1 risk-based capital ratio | 9.7581% | 7,006 |
| Total risk-based capital ratio | 11.0070% | 6,909 |
| Memoranda: | ||
| Average total assets | $711,450,000 | 936 |
| Average earning assets | $659,830,800 | 921 |
| Average equity | $58,371,000 | 1,149 |
| Average total loans | $482,975,000 | 992 |