Home > Carver Federal Savings Bank > Performance and Condition Ratios
Carver Federal Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 3,486 |
| Cost of funding earning assets | 1.9632% | 2,033 |
| Net interest margin | 2.8145% | 3,678 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 4.5487% | 281 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | -1.6131% | 4,395 |
| Return on assets (ROA) | -1.6131% | 4,429 |
| Pretax return on assets | -1.6131% | 4,423 |
| Return on Equity (ROE) | -22.2100% | 4,431 |
| Retained earnings to average equity (ytd only) | -22.2097% | 4,397 |
| Net charge-offs to loans | 0.0614% | 1,071 |
| Credit loss provision to net charge-offs | 397.8723% | 609 |
| Earnings coverage of net charge-offs (x) | -27.4787% | 4,464 |
| Efficiency ratio | 144.8827% | 82 |
| Assets per employee ($millions) | 6.7409% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 3,062 |
| Loan loss allowance to noncurrent loans | 25.1998% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 3.4296% | 68 |
| Noncurrent loans to loans | 4.0977% | 110 |
| Net loans and leases to total assets | 82.6600% | 343 |
| Net loans and leases to deposits | 90.8495% | 1,027 |
| Net loans and leases to core deposits | 102.1886% | 1,242 |
| Total domestic deposits to total assets | 90.9800% | 525 |
| Equity capital to assets | 7.1178% | 3,993 |
| Core capital (leverage) ratio | 8.6976% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5557% | 2,605 |
| Memoranda: | ||
| Average total assets | $733,226,500 | 1,322 |
| Average earning assets | $700,085,000 | 1,297 |
| Average equity | $53,256,000 | 1,688 |
| Average total loans | $612,281,000 | 1,139 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 3,118 |
| Cost of funding earning assets | 1.9125% | 2,429 |
| Net interest margin | 3.0782% | 2,992 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 4.1644% | 339 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | -0.8277% | 4,386 |
| Return on assets (ROA) | -0.8277% | 4,419 |
| Pretax return on assets | -0.8277% | 4,404 |
| Return on Equity (ROE) | -10.6100% | 4,414 |
| Retained earnings to average equity (ytd only) | -10.6140% | 4,395 |
| Net charge-offs to loans | 0.1066% | 1,130 |
| Credit loss provision to net charge-offs | 124.3202% | 1,619 |
| Earnings coverage of net charge-offs (x) | -8.1903% | 4,456 |
| Efficiency ratio | 120.8852% | 129 |
| Assets per employee ($millions) | 6.5918% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,280 |
| Loan loss allowance to noncurrent loans | 26.5297% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 3.1274% | 76 |
| Noncurrent loans to loans | 3.7374% | 119 |
| Net loans and leases to total assets | 82.6600% | 388 |
| Net loans and leases to deposits | 93.7783% | 878 |
| Net loans and leases to core deposits | 104.6485% | 1,202 |
| Total domestic deposits to total assets | 88.1400% | 1,462 |
| Equity capital to assets | 7.4093% | 3,807 |
| Core capital (leverage) ratio | 9.0287% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1426% | 2,487 |
| Memoranda: | ||
| Average total assets | $753,609,200 | 1,283 |
| Average earning assets | $718,728,800 | 1,247 |
| Average equity | $58,771,600 | 1,517 |
| Average total loans | $620,897,400 | 1,100 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 2,371 |
| Cost of funding earning assets | 1.8709% | 2,547 |
| Net interest margin | 3.4789% | 2,077 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 4.0636% | 354 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | -0.3414% | 4,355 |
| Return on assets (ROA) | -0.3414% | 4,378 |
| Pretax return on assets | -0.3414% | 4,367 |
| Return on Equity (ROE) | -4.3200% | 4,370 |
| Retained earnings to average equity (ytd only) | -4.3225% | 4,313 |
| Net charge-offs to loans | 0.0817% | 1,102 |
| Credit loss provision to net charge-offs | 190.3141% | 1,117 |
| Earnings coverage of net charge-offs (x) | -3.1859% | 4,478 |
| Efficiency ratio | 105.5520% | 213 |
| Assets per employee ($millions) | 6.9621% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,197 |
| Loan loss allowance to noncurrent loans | 30.4979% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7289% | 100 |
| Noncurrent loans to loans | 3.3053% | 158 |
| Net loans and leases to total assets | 81.5200% | 462 |
| Net loans and leases to deposits | 93.1818% | 937 |
| Net loans and leases to core deposits | 104.8498% | 1,194 |
| Total domestic deposits to total assets | 87.4900% | 1,430 |
| Equity capital to assets | 8.0674% | 3,668 |
| Core capital (leverage) ratio | 9.5041% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8103% | 2,316 |
| Memoranda: | ||
| Average total assets | $759,141,250 | 1,261 |
| Average earning assets | $723,899,000 | 1,234 |
| Average equity | $59,964,000 | 1,480 |
| Average total loans | $623,402,250 | 1,102 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 2,498 |
| Cost of funding earning assets | 1.8275% | 2,562 |
| Net interest margin | 3.3938% | 2,194 |
| Noninterest income to average assets | 0.6600% | 1,224 |
| Noninterest expense to average assets | 4.0662% | 353 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | -0.2332% | 4,354 |
| Return on assets (ROA) | -0.2332% | 4,380 |
| Pretax return on assets | -0.2332% | 4,357 |
| Return on Equity (ROE) | -2.9700% | 4,373 |
| Retained earnings to average equity (ytd only) | -2.9733% | 4,213 |
| Net charge-offs to loans | 0.0663% | 1,115 |
| Credit loss provision to net charge-offs | 128.5024% | 1,310 |
| Earnings coverage of net charge-offs (x) | -3.0048% | 4,502 |
| Efficiency ratio | 104.1855% | 232 |
| Assets per employee ($millions) | 6.8082% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,518 |
| Loan loss allowance to noncurrent loans | 27.6784% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.8798% | 75 |
| Noncurrent loans to loans | 3.4322% | 141 |
| Net loans and leases to total assets | 82.9100% | 390 |
| Net loans and leases to deposits | 95.9115% | 807 |
| Net loans and leases to core deposits | 107.4309% | 1,078 |
| Total domestic deposits to total assets | 86.4400% | 1,831 |
| Equity capital to assets | 7.8236% | 3,547 |
| Core capital (leverage) ratio | 9.5287% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6578% | 2,371 |
| Memoranda: | ||
| Average total assets | $761,554,333 | 1,256 |
| Average earning assets | $726,688,000 | 1,231 |
| Average equity | $59,732,333 | 1,474 |
| Average total loans | $624,798,000 | 1,100 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 2,068 |
| Cost of funding earning assets | 1.7726% | 2,576 |
| Net interest margin | 3.5927% | 1,751 |
| Noninterest income to average assets | 0.9300% | 633 |
| Noninterest expense to average assets | 3.9975% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3605% | 3,700 |
| Return on assets (ROA) | 0.3605% | 3,721 |
| Pretax return on assets | 0.3605% | 3,827 |
| Return on Equity (ROE) | 4.5900% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.5902% | 2,529 |
| Net charge-offs to loans | 0.0199% | 1,461 |
| Credit loss provision to net charge-offs | 19.3548% | 1,528 |
| Earnings coverage of net charge-offs (x) | 22.5161% | 1,301 |
| Efficiency ratio | 91.6627% | 522 |
| Assets per employee ($millions) | 6.7155% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 3,552 |
| Loan loss allowance to noncurrent loans | 24.5988% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 3.1520% | 71 |
| Noncurrent loans to loans | 3.8317% | 103 |
| Net loans and leases to total assets | 81.3100% | 487 |
| Net loans and leases to deposits | 93.9998% | 870 |
| Net loans and leases to core deposits | 106.9533% | 1,062 |
| Total domestic deposits to total assets | 86.5000% | 1,940 |
| Equity capital to assets | 7.9640% | 3,394 |
| Core capital (leverage) ratio | 9.5555% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9836% | 2,243 |
| Memoranda: | ||
| Average total assets | $767,880,500 | 1,255 |
| Average earning assets | $733,154,500 | 1,225 |
| Average equity | $60,303,000 | 1,451 |
| Average total loans | $623,764,500 | 1,100 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 2,901 |
| Cost of funding earning assets | 1.2001% | 2,804 |
| Net interest margin | 3.3954% | 2,411 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 4.1479% | 331 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | -0.2623% | 4,477 |
| Return on assets (ROA) | -0.2623% | 4,460 |
| Pretax return on assets | -0.2623% | 4,442 |
| Return on Equity (ROE) | -3.2100% | 4,445 |
| Retained earnings to average equity (ytd only) | -3.2119% | 4,339 |
| Net charge-offs to loans | 0.0027% | 2,696 |
| Credit loss provision to net charge-offs | 556.2500% | 623 |
| Earnings coverage of net charge-offs (x) | -114.8125% | 4,592 |
| Efficiency ratio | 106.4188% | 132 |
| Assets per employee ($millions) | 7.2609% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,555 |
| Loan loss allowance to noncurrent loans | 21.9084% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.4717% | 51 |
| Noncurrent loans to loans | 4.3083% | 72 |
| Net loans and leases to total assets | 79.6400% | 685 |
| Net loans and leases to deposits | 91.9378% | 1,099 |
| Net loans and leases to core deposits | 104.0360% | 1,215 |
| Total domestic deposits to total assets | 86.6300% | 1,810 |
| Equity capital to assets | 7.7449% | 3,576 |
| Core capital (leverage) ratio | 9.7701% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6853% | 2,343 |
| Memoranda: | ||
| Average total assets | $734,255,600 | 1,264 |
| Average earning assets | $698,626,400 | 1,235 |
| Average equity | $59,964,400 | 1,395 |
| Average total loans | $602,186,400 | 1,088 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 2,761 |
| Cost of funding earning assets | 1.1066% | 2,721 |
| Net interest margin | 3.4611% | 2,311 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 4.1660% | 324 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.4586% | 4,534 |
| Return on assets (ROA) | -0.4586% | 4,521 |
| Pretax return on assets | -0.4586% | 4,513 |
| Return on Equity (ROE) | -5.5400% | 4,505 |
| Retained earnings to average equity (ytd only) | -5.5390% | 4,433 |
| Net charge-offs to loans | 0.0002% | 2,659 |
| Credit loss provision to net charge-offs | 18,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | -2,304.0000% | 4,640 |
| Efficiency ratio | 111.3470% | 100 |
| Assets per employee ($millions) | 6.5879% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,451 |
| Loan loss allowance to noncurrent loans | 37.9661% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.1334% | 117 |
| Noncurrent loans to loans | 2.5891% | 186 |
| Net loans and leases to total assets | 81.2800% | 500 |
| Net loans and leases to deposits | 94.2200% | 879 |
| Net loans and leases to core deposits | 97.0585% | 1,504 |
| Total domestic deposits to total assets | 86.2700% | 2,112 |
| Equity capital to assets | 7.5991% | 3,293 |
| Core capital (leverage) ratio | 9.9025% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9601% | 2,281 |
| Memoranda: | ||
| Average total assets | $723,591,250 | 1,273 |
| Average earning assets | $687,591,500 | 1,252 |
| Average equity | $59,912,750 | 1,384 |
| Average total loans | $596,570,250 | 1,091 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 2,622 |
| Cost of funding earning assets | 0.9997% | 2,606 |
| Net interest margin | 3.5094% | 2,241 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 4.1323% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.4577% | 4,563 |
| Return on assets (ROA) | -0.4577% | 4,558 |
| Pretax return on assets | -0.4577% | 4,550 |
| Return on Equity (ROE) | -5.3700% | 4,546 |
| Retained earnings to average equity (ytd only) | -5.3747% | 4,433 |
| Net charge-offs to loans | -0.0061% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 112.3104% | 90 |
| Assets per employee ($millions) | 6.6003% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,462 |
| Loan loss allowance to noncurrent loans | 35.6023% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.3167% | 113 |
| Noncurrent loans to loans | 2.7863% | 160 |
| Net loans and leases to total assets | 82.0200% | 427 |
| Net loans and leases to deposits | 96.6546% | 695 |
| Net loans and leases to core deposits | 101.1716% | 1,175 |
| Total domestic deposits to total assets | 84.8600% | 2,582 |
| Equity capital to assets | 8.3787% | 2,966 |
| Core capital (leverage) ratio | 10.0752% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3597% | 2,151 |
| Memoranda: | ||
| Average total assets | $716,645,333 | 1,272 |
| Average earning assets | $681,996,000 | 1,251 |
| Average equity | $61,027,000 | 1,370 |
| Average total loans | $591,726,333 | 1,088 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,528 |
| Cost of funding earning assets | 0.8230% | 2,639 |
| Net interest margin | 3.5864% | 2,162 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 4.1383% | 328 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.4320% | 4,580 |
| Return on assets (ROA) | -0.4320% | 4,570 |
| Pretax return on assets | -0.4320% | 4,560 |
| Return on Equity (ROE) | -5.0300% | 4,554 |
| Retained earnings to average equity (ytd only) | -5.0326% | 4,331 |
| Net charge-offs to loans | -0.0425% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 111.4710% | 96 |
| Assets per employee ($millions) | 6.5834% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 3,918 |
| Loan loss allowance to noncurrent loans | 40.8037% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 158 |
| Noncurrent loans to loans | 2.1433% | 253 |
| Net loans and leases to total assets | 81.8400% | 387 |
| Net loans and leases to deposits | 97.0416% | 595 |
| Net loans and leases to core deposits | 103.2746% | 951 |
| Total domestic deposits to total assets | 84.3400% | 3,016 |
| Equity capital to assets | 8.5684% | 2,838 |
| Core capital (leverage) ratio | 10.6084% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3686% | 2,233 |
| Memoranda: | ||
| Average total assets | $718,554,000 | 1,286 |
| Average earning assets | $683,808,000 | 1,266 |
| Average equity | $61,677,500 | 1,369 |
| Average total loans | $592,322,500 | 1,101 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 2,039 |
| Cost of funding earning assets | 0.4525% | 1,706 |
| Net interest margin | 3.4272% | 2,157 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 3.8175% | 378 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | -0.1872% | 4,606 |
| Return on assets (ROA) | -0.1872% | 4,594 |
| Pretax return on assets | -0.1872% | 4,588 |
| Return on Equity (ROE) | -2.0500% | 4,584 |
| Retained earnings to average equity (ytd only) | -2.0457% | 4,481 |
| Net charge-offs to loans | -0.0047% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 106.6263% | 105 |
| Assets per employee ($millions) | 6.6013% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 3,842 |
| Loan loss allowance to noncurrent loans | 39.5185% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8377% | 139 |
| Noncurrent loans to loans | 2.2228% | 228 |
| Net loans and leases to total assets | 81.5800% | 445 |
| Net loans and leases to deposits | 93.8099% | 801 |
| Net loans and leases to core deposits | 109.8755% | 615 |
| Total domestic deposits to total assets | 86.9600% | 2,400 |
| Equity capital to assets | 8.5989% | 2,632 |
| Core capital (leverage) ratio | 10.5718% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7371% | 2,078 |
| Memoranda: | ||
| Average total assets | $723,745,200 | 1,280 |
| Average earning assets | $689,552,400 | 1,247 |
| Average equity | $66,237,800 | 1,303 |
| Average total loans | $569,787,200 | 1,074 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 1,880 |
| Cost of funding earning assets | 0.3665% | 1,552 |
| Net interest margin | 3.3885% | 2,010 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 3.7410% | 393 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | -0.1112% | 4,627 |
| Return on assets (ROA) | -0.1112% | 4,604 |
| Pretax return on assets | -0.1112% | 4,600 |
| Return on Equity (ROE) | -1.2000% | 4,596 |
| Retained earnings to average equity (ytd only) | -1.1975% | 4,437 |
| Net charge-offs to loans | -0.0238% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 103.4880% | 134 |
| Assets per employee ($millions) | 6.8121% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,656 |
| Loan loss allowance to noncurrent loans | 34.6195% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 119 |
| Noncurrent loans to loans | 2.7703% | 180 |
| Net loans and leases to total assets | 75.2400% | 990 |
| Net loans and leases to deposits | 89.3871% | 935 |
| Net loans and leases to core deposits | 102.9353% | 700 |
| Total domestic deposits to total assets | 84.1700% | 3,463 |
| Equity capital to assets | 8.2087% | 2,752 |
| Core capital (leverage) ratio | 10.5060% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2866% | 1,944 |
| Memoranda: | ||
| Average total assets | $726,446,750 | 1,284 |
| Average earning assets | $692,326,500 | 1,255 |
| Average equity | $67,471,000 | 1,302 |
| Average total loans | $565,546,750 | 1,076 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 1,531 |
| Cost of funding earning assets | 0.2540% | 2,210 |
| Net interest margin | 3.4487% | 1,459 |
| Noninterest income to average assets | 0.3601% | 2,992 |
| Noninterest expense to average assets | 3.6377% | 379 |
| Loan and lease loss provision to assets | 0.0301% | 2,049 |
| Net operating income to assets | -0.0181% | 4,580 |
| Return on assets (ROA) | -0.0181% | 4,551 |
| Pretax return on assets | -0.0181% | 4,544 |
| Return on Equity (ROE) | -0.1877% | 4,554 |
| Retained earnings to average equity (ytd only) | -0.1877% | 4,203 |
| Net charge-offs to loans | -0.0025% | 3,173 |
| Credit loss provision to net charge-offs | -1,542.8571% | 3,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6712% | 188 |
| Assets per employee ($millions) | 6.3399% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,555 |
| Loan loss allowance to noncurrent loans | 42.9359% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 161 |
| Noncurrent loans to loans | 2.3500% | 258 |
| Net loans and leases to total assets | 79.5597% | 438 |
| Net loans and leases to deposits | 91.8858% | 615 |
| Net loans and leases to core deposits | 106.6880% | 427 |
| Total domestic deposits to total assets | 86.5854% | 3,085 |
| Equity capital to assets | 9.5589% | 1,971 |
| Core capital (leverage) ratio | 10.9699% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9071% | 1,730 |
| Memoranda: | ||
| Average total assets | $716,547,000 | 1,293 |
| Average earning assets | $683,510,667 | 1,274 |
| Average equity | $69,271,333 | 1,305 |
| Average total loans | $562,592,667 | 1,070 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 1,657 |
| Cost of funding earning assets | 0.2609% | 2,035 |
| Net interest margin | 3.2837% | 1,611 |
| Noninterest income to average assets | 0.3752% | 2,841 |
| Noninterest expense to average assets | 3.1619% | 637 |
| Loan and lease loss provision to assets | 0.0740% | 1,118 |
| Net operating income to assets | 0.2797% | 4,182 |
| Return on assets (ROA) | 0.2797% | 4,151 |
| Pretax return on assets | 0.2797% | 4,213 |
| Return on Equity (ROE) | 2.8781% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.8781% | 3,305 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9376% | 549 |
| Assets per employee ($millions) | 6.8723% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,835 |
| Loan loss allowance to noncurrent loans | 42.7843% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 171 |
| Noncurrent loans to loans | 2.2683% | 291 |
| Net loans and leases to total assets | 78.0428% | 372 |
| Net loans and leases to deposits | 88.6069% | 586 |
| Net loans and leases to core deposits | 102.1797% | 441 |
| Total domestic deposits to total assets | 88.0776% | 2,489 |
| Equity capital to assets | 9.5526% | 2,242 |
| Core capital (leverage) ratio | 10.4485% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7774% | 1,883 |
| Memoranda: | ||
| Average total assets | $729,298,000 | 1,283 |
| Average earning assets | $697,506,500 | 1,261 |
| Average equity | $70,879,000 | 1,322 |
| Average total loans | $566,190,500 | 1,060 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 3,050 |
| Cost of funding earning assets | 0.3335% | 2,084 |
| Net interest margin | 3.0172% | 3,151 |
| Noninterest income to average assets | 1.0910% | 868 |
| Noninterest expense to average assets | 3.9806% | 292 |
| Loan and lease loss provision to assets | 0.0669% | 1,736 |
| Net operating income to assets | -0.0901% | 4,703 |
| Return on assets (ROA) | -0.0426% | 4,699 |
| Pretax return on assets | -0.0426% | 4,698 |
| Return on Equity (ROE) | -0.4546% | 4,703 |
| Retained earnings to average equity (ytd only) | -0.4546% | 4,542 |
| Net charge-offs to loans | 0.0233% | 1,782 |
| Credit loss provision to net charge-offs | 398.2906% | 910 |
| Earnings coverage of net charge-offs (x) | -1.3846% | 2,660 |
| Efficiency ratio | 100.5873% | 142 |
| Assets per employee ($millions) | 7.4562% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,780 |
| Loan loss allowance to noncurrent loans | 40.0730% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 173 |
| Noncurrent loans to loans | 2.4770% | 271 |
| Net loans and leases to total assets | 75.6840% | 535 |
| Net loans and leases to deposits | 86.5008% | 750 |
| Net loans and leases to core deposits | 103.1568% | 431 |
| Total domestic deposits to total assets | 87.4952% | 2,281 |
| Equity capital to assets | 9.8878% | 2,765 |
| Core capital (leverage) ratio | 10.3171% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8147% | 1,920 |
| Memoranda: | ||
| Average total assets | $696,974,800 | 1,292 |
| Average earning assets | $662,136,200 | 1,273 |
| Average equity | $65,334,800 | 1,417 |
| Average total loans | $502,800,400 | 1,159 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 3,230 |
| Cost of funding earning assets | 0.3526% | 2,096 |
| Net interest margin | 3.0023% | 3,298 |
| Noninterest income to average assets | 1.1236% | 900 |
| Noninterest expense to average assets | 4.2571% | 243 |
| Loan and lease loss provision to assets | 0.0532% | 1,921 |
| Net operating income to assets | -0.3383% | 4,811 |
| Return on assets (ROA) | -0.2744% | 4,813 |
| Pretax return on assets | -0.2744% | 4,811 |
| Return on Equity (ROE) | -2.9701% | 4,823 |
| Retained earnings to average equity (ytd only) | -2.9701% | 4,747 |
| Net charge-offs to loans | 0.0076% | 2,035 |
| Credit loss provision to net charge-offs | 982.1429% | 519 |
| Earnings coverage of net charge-offs (x) | -52.7500% | 2,450 |
| Efficiency ratio | 107.1814% | 114 |
| Assets per employee ($millions) | 7.1445% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,621 |
| Loan loss allowance to noncurrent loans | 71.2164% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 573 |
| Noncurrent loans to loans | 1.4874% | 710 |
| Net loans and leases to total assets | 72.8312% | 793 |
| Net loans and leases to deposits | 83.6133% | 988 |
| Net loans and leases to core deposits | 97.5018% | 673 |
| Total domestic deposits to total assets | 87.1048% | 2,315 |
| Equity capital to assets | 9.2730% | 3,593 |
| Core capital (leverage) ratio | 9.9852% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5775% | 2,139 |
| Memoranda: | ||
| Average total assets | $690,404,500 | 1,314 |
| Average earning assets | $654,996,250 | 1,298 |
| Average equity | $63,790,000 | 1,462 |
| Average total loans | $490,281,250 | 1,205 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3117% | 3,392 |
| Cost of funding earning assets | 0.3979% | 1,899 |
| Net interest margin | 2.9138% | 3,546 |
| Noninterest income to average assets | 0.8029% | 1,526 |
| Noninterest expense to average assets | 4.5057% | 219 |
| Loan and lease loss provision to assets | 0.0207% | 2,552 |
| Net operating income to assets | -0.9665% | 4,897 |
| Return on assets (ROA) | -0.8698% | 4,896 |
| Pretax return on assets | -0.8698% | 4,889 |
| Return on Equity (ROE) | -9.4254% | 4,910 |
| Retained earnings to average equity (ytd only) | -9.4254% | 4,866 |
| Net charge-offs to loans | -0.0017% | 3,158 |
| Credit loss provision to net charge-offs | -1,775.0000% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5649% | 65 |
| Assets per employee ($millions) | 6.4483% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,551 |
| Loan loss allowance to noncurrent loans | 65.5932% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 601 |
| Noncurrent loans to loans | 1.6278% | 670 |
| Net loans and leases to total assets | 70.6808% | 1,131 |
| Net loans and leases to deposits | 83.5167% | 1,092 |
| Net loans and leases to core deposits | 98.1369% | 716 |
| Total domestic deposits to total assets | 84.6307% | 3,248 |
| Equity capital to assets | 9.4508% | 3,380 |
| Core capital (leverage) ratio | 10.0517% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2422% | 1,892 |
| Memoranda: | ||
| Average total assets | $684,771,333 | 1,320 |
| Average earning assets | $647,954,333 | 1,307 |
| Average equity | $63,190,667 | 1,461 |
| Average total loans | $480,157,333 | 1,227 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2866% | 3,481 |
| Cost of funding earning assets | 0.4619% | 1,641 |
| Net interest margin | 2.8247% | 3,701 |
| Noninterest income to average assets | 0.7015% | 1,864 |
| Noninterest expense to average assets | 3.8483% | 324 |
| Loan and lease loss provision to assets | 0.0006% | 2,738 |
| Net operating income to assets | -0.4815% | 4,890 |
| Return on assets (ROA) | -0.2883% | 4,865 |
| Pretax return on assets | -0.2883% | 4,852 |
| Return on Equity (ROE) | -3.1623% | 4,879 |
| Retained earnings to average equity (ytd only) | -3.1623% | 4,611 |
| Net charge-offs to loans | -0.0008% | 3,037 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2808% | 91 |
| Assets per employee ($millions) | 6.5733% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,602 |
| Loan loss allowance to noncurrent loans | 35.5857% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 225 |
| Noncurrent loans to loans | 2.9871% | 267 |
| Net loans and leases to total assets | 69.9809% | 1,292 |
| Net loans and leases to deposits | 82.9104% | 1,257 |
| Net loans and leases to core deposits | 98.1686% | 798 |
| Total domestic deposits to total assets | 84.4054% | 3,310 |
| Equity capital to assets | 9.2842% | 3,410 |
| Core capital (leverage) ratio | 10.0056% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5612% | 1,720 |
| Memoranda: | ||
| Average total assets | $685,398,000 | 1,309 |
| Average earning assets | $646,861,500 | 1,297 |
| Average equity | $62,487,000 | 1,465 |
| Average total loans | $476,071,000 | 1,232 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 4,142 |
| Cost of funding earning assets | 0.7054% | 1,697 |
| Net interest margin | 2.7323% | 4,339 |
| Noninterest income to average assets | 0.5974% | 2,220 |
| Noninterest expense to average assets | 3.9710% | 392 |
| Loan and lease loss provision to assets | -0.0151% | 4,909 |
| Net operating income to assets | -0.7840% | 4,908 |
| Return on assets (ROA) | -0.6487% | 4,900 |
| Pretax return on assets | -0.6487% | 4,893 |
| Return on Equity (ROE) | -6.5302% | 4,913 |
| Retained earnings to average equity (ytd only) | -6.5302% | 4,864 |
| Net charge-offs to loans | -0.1398% | 4,857 |
| Credit loss provision to net charge-offs | 15.3110% | 3,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1930% | 66 |
| Assets per employee ($millions) | 6.6074% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,476 |
| Loan loss allowance to noncurrent loans | 52.1624% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4421% | 523 |
| Noncurrent loans to loans | 2.1020% | 526 |
| Net loans and leases to total assets | 67.4443% | 1,894 |
| Net loans and leases to deposits | 80.2475% | 1,837 |
| Net loans and leases to core deposits | 101.6772% | 829 |
| Total domestic deposits to total assets | 84.0453% | 3,095 |
| Equity capital to assets | 8.9505% | 4,101 |
| Core capital (leverage) ratio | 9.5374% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8078% | 1,923 |
| Memoranda: | ||
| Average total assets | $636,973,600 | 1,279 |
| Average earning assets | $600,194,400 | 1,260 |
| Average equity | $63,275,000 | 1,391 |
| Average total loans | $448,483,200 | 1,229 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 4,239 |
| Cost of funding earning assets | 0.7412% | 1,791 |
| Net interest margin | 2.7377% | 4,419 |
| Noninterest income to average assets | 0.6322% | 2,062 |
| Noninterest expense to average assets | 4.1099% | 344 |
| Loan and lease loss provision to assets | -0.0211% | 4,970 |
| Net operating income to assets | -0.8782% | 4,937 |
| Return on assets (ROA) | -0.6942% | 4,922 |
| Pretax return on assets | -0.6942% | 4,914 |
| Return on Equity (ROE) | -6.8028% | 4,937 |
| Retained earnings to average equity (ytd only) | -6.8028% | 4,884 |
| Net charge-offs to loans | -0.1224% | 4,853 |
| Credit loss provision to net charge-offs | 24.3243% | 2,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0128% | 63 |
| Assets per employee ($millions) | 6.1748% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,416 |
| Loan loss allowance to noncurrent loans | 36.0358% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.0358% | 317 |
| Noncurrent loans to loans | 2.9388% | 320 |
| Net loans and leases to total assets | 68.2390% | 2,204 |
| Net loans and leases to deposits | 83.9773% | 1,915 |
| Net loans and leases to core deposits | 108.9216% | 737 |
| Total domestic deposits to total assets | 81.2588% | 3,598 |
| Equity capital to assets | 9.2180% | 3,938 |
| Core capital (leverage) ratio | 9.7211% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1889% | 1,767 |
| Memoranda: | ||
| Average total assets | $624,424,750 | 1,280 |
| Average earning assets | $588,069,000 | 1,260 |
| Average equity | $63,717,500 | 1,378 |
| Average total loans | $443,455,500 | 1,233 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 4,312 |
| Cost of funding earning assets | 0.7743% | 1,967 |
| Net interest margin | 2.7959% | 4,459 |
| Noninterest income to average assets | 0.4919% | 2,610 |
| Noninterest expense to average assets | 4.1561% | 342 |
| Loan and lease loss provision to assets | -0.0322% | 5,013 |
| Net operating income to assets | -1.0079% | 4,964 |
| Return on assets (ROA) | -0.7244% | 4,934 |
| Pretax return on assets | -0.7244% | 4,927 |
| Return on Equity (ROE) | -6.8548% | 4,952 |
| Retained earnings to average equity (ytd only) | -6.8548% | 4,847 |
| Net charge-offs to loans | -0.1498% | 4,908 |
| Credit loss provision to net charge-offs | 29.9694% | 2,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3791% | 58 |
| Assets per employee ($millions) | 6.1554% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,301 |
| Loan loss allowance to noncurrent loans | 38.9749% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.8672% | 411 |
| Noncurrent loans to loans | 2.7058% | 401 |
| Net loans and leases to total assets | 67.6265% | 2,420 |
| Net loans and leases to deposits | 83.1839% | 2,079 |
| Net loans and leases to core deposits | 108.4432% | 793 |
| Total domestic deposits to total assets | 81.2975% | 3,541 |
| Equity capital to assets | 9.3786% | 3,755 |
| Core capital (leverage) ratio | 10.2152% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0080% | 1,484 |
| Memoranda: | ||
| Average total assets | $608,216,000 | 1,280 |
| Average earning assets | $570,838,333 | 1,265 |
| Average equity | $64,276,000 | 1,361 |
| Average total loans | $436,541,000 | 1,241 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,855 |
| Cost of funding earning assets | 0.8332% | 2,205 |
| Net interest margin | 3.1440% | 4,000 |
| Noninterest income to average assets | 0.5104% | 2,503 |
| Noninterest expense to average assets | 4.5391% | 292 |
| Loan and lease loss provision to assets | 0.0021% | 3,705 |
| Net operating income to assets | -1.1005% | 4,999 |
| Return on assets (ROA) | -1.1005% | 4,983 |
| Pretax return on assets | -1.1005% | 4,966 |
| Return on Equity (ROE) | -9.7734% | 4,997 |
| Retained earnings to average equity (ytd only) | -9.7734% | 4,757 |
| Net charge-offs to loans | -0.3168% | 4,987 |
| Credit loss provision to net charge-offs | -0.8902% | 3,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.9226% | 80 |
| Assets per employee ($millions) | 5.4366% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,917 |
| Loan loss allowance to noncurrent loans | 67.1463% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2869% | 915 |
| Noncurrent loans to loans | 1.7181% | 879 |
| Net loans and leases to total assets | 72.8509% | 1,796 |
| Net loans and leases to deposits | 85.3860% | 2,070 |
| Net loans and leases to core deposits | 114.0150% | 663 |
| Total domestic deposits to total assets | 85.3195% | 2,282 |
| Equity capital to assets | 11.1076% | 2,765 |
| Core capital (leverage) ratio | 11.2497% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4796% | 1,481 |
| Memoranda: | ||
| Average total assets | $576,852,500 | 1,296 |
| Average earning assets | $537,659,500 | 1,295 |
| Average equity | $64,951,500 | 1,351 |
| Average total loans | $425,526,000 | 1,231 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 4,129 |
| Cost of funding earning assets | 0.8976% | 2,197 |
| Net interest margin | 3.1624% | 4,264 |
| Noninterest income to average assets | 0.6922% | 1,844 |
| Noninterest expense to average assets | 4.3951% | 338 |
| Loan and lease loss provision to assets | 0.0041% | 3,917 |
| Net operating income to assets | -0.7200% | 5,071 |
| Return on assets (ROA) | -0.7228% | 5,078 |
| Pretax return on assets | -0.7171% | 5,077 |
| Return on Equity (ROE) | -6.4670% | 5,092 |
| Retained earnings to average equity (ytd only) | -6.4670% | 5,016 |
| Net charge-offs to loans | 0.0516% | 2,379 |
| Credit loss provision to net charge-offs | 10.9091% | 3,354 |
| Earnings coverage of net charge-offs (x) | -18.6864% | 3,698 |
| Efficiency ratio | 119.2724% | 79 |
| Assets per employee ($millions) | 5.2962% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,005 |
| Loan loss allowance to noncurrent loans | 59.7536% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 775 |
| Noncurrent loans to loans | 1.8256% | 735 |
| Net loans and leases to total assets | 73.0282% | 1,918 |
| Net loans and leases to deposits | 88.4209% | 1,782 |
| Net loans and leases to core deposits | 116.1695% | 588 |
| Total domestic deposits to total assets | 82.5916% | 3,332 |
| Equity capital to assets | 11.4142% | 2,607 |
| Core capital (leverage) ratio | 11.2504% | 2,294 |
| Tier 1 risk-based capital ratio | 15.9146% | 2,433 |
| Total risk-based capital ratio | 17.1024% | 2,405 |
| Memoranda: | ||
| Average total assets | $578,869,200 | 1,257 |
| Average earning assets | $547,819,000 | 1,239 |
| Average equity | $64,698,000 | 1,298 |
| Average total loans | $426,754,600 | 1,207 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 4,299 |
| Cost of funding earning assets | 0.8838% | 2,301 |
| Net interest margin | 3.1478% | 4,407 |
| Noninterest income to average assets | 0.7151% | 1,723 |
| Noninterest expense to average assets | 4.3764% | 336 |
| Loan and lease loss provision to assets | 0.0037% | 3,792 |
| Net operating income to assets | -0.6814% | 5,154 |
| Return on assets (ROA) | -0.6850% | 5,159 |
| Pretax return on assets | -0.6775% | 5,153 |
| Return on Equity (ROE) | -6.1614% | 5,168 |
| Retained earnings to average equity (ytd only) | -6.1614% | 5,089 |
| Net charge-offs to loans | 0.0601% | 1,956 |
| Credit loss provision to net charge-offs | 8.2902% | 3,011 |
| Earnings coverage of net charge-offs (x) | -15.1190% | 3,433 |
| Efficiency ratio | 118.0804% | 84 |
| Assets per employee ($millions) | 5.4609% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,188 |
| Loan loss allowance to noncurrent loans | 56.4231% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.4102% | 820 |
| Noncurrent loans to loans | 1.8918% | 747 |
| Net loans and leases to total assets | 72.6814% | 2,050 |
| Net loans and leases to deposits | 89.0898% | 1,800 |
| Net loans and leases to core deposits | 117.1532% | 622 |
| Total domestic deposits to total assets | 81.5822% | 3,593 |
| Equity capital to assets | 11.2902% | 2,842 |
| Core capital (leverage) ratio | 11.4458% | 2,261 |
| Tier 1 risk-based capital ratio | 15.7491% | 2,534 |
| Total risk-based capital ratio | 16.9042% | 2,517 |
| Memoranda: | ||
| Average total assets | $580,589,750 | 1,256 |
| Average earning assets | $551,702,500 | 1,232 |
| Average equity | $64,550,500 | 1,301 |
| Average total loans | $427,863,500 | 1,212 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 4,143 |
| Cost of funding earning assets | 0.8791% | 2,249 |
| Net interest margin | 3.2280% | 4,294 |
| Noninterest income to average assets | 0.7388% | 1,567 |
| Noninterest expense to average assets | 4.5088% | 301 |
| Loan and lease loss provision to assets | 0.0031% | 3,645 |
| Net operating income to assets | -0.6990% | 5,206 |
| Return on assets (ROA) | -0.6990% | 5,209 |
| Pretax return on assets | -0.6876% | 5,204 |
| Return on Equity (ROE) | -6.4979% | 5,217 |
| Retained earnings to average equity (ytd only) | -6.4979% | 5,110 |
| Net charge-offs to loans | 0.0667% | 1,704 |
| Credit loss provision to net charge-offs | 6.3380% | 2,707 |
| Earnings coverage of net charge-offs (x) | -13.9225% | 3,152 |
| Efficiency ratio | 117.8979% | 78 |
| Assets per employee ($millions) | 5.2741% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,035 |
| Loan loss allowance to noncurrent loans | 48.2189% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 595 |
| Noncurrent loans to loans | 2.2954% | 570 |
| Net loans and leases to total assets | 72.5828% | 2,139 |
| Net loans and leases to deposits | 86.4780% | 2,205 |
| Net loans and leases to core deposits | 110.9087% | 926 |
| Total domestic deposits to total assets | 83.9322% | 2,897 |
| Equity capital to assets | 10.7967% | 3,271 |
| Core capital (leverage) ratio | 10.7874% | 2,800 |
| Tier 1 risk-based capital ratio | 14.7806% | 2,926 |
| Total risk-based capital ratio | 15.9477% | 2,893 |
| Memoranda: | ||
| Average total assets | $577,669,670 | 1,263 |
| Average earning assets | $552,169,000 | 1,232 |
| Average equity | $62,143,330 | 1,330 |
| Average total loans | $426,056,670 | 1,217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 4,228 |
| Cost of funding earning assets | 0.8732% | 2,138 |
| Net interest margin | 3.1904% | 4,402 |
| Noninterest income to average assets | 0.7571% | 1,412 |
| Noninterest expense to average assets | 4.6800% | 258 |
| Loan and lease loss provision to assets | 0.0055% | 3,356 |
| Net operating income to assets | -0.8669% | 5,280 |
| Return on assets (ROA) | -0.8780% | 5,277 |
| Pretax return on assets | -0.8552% | 5,269 |
| Return on Equity (ROE) | -8.1761% | 5,282 |
| Retained earnings to average equity (ytd only) | -8.1761% | 5,038 |
| Net charge-offs to loans | 0.1523% | 869 |
| Credit loss provision to net charge-offs | 4.9080% | 2,201 |
| Earnings coverage of net charge-offs (x) | -7.4479% | 2,716 |
| Efficiency ratio | 121.8306% | 72 |
| Assets per employee ($millions) | 4.9638% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,217 |
| Loan loss allowance to noncurrent loans | 43.5222% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.9579% | 512 |
| Noncurrent loans to loans | 2.4893% | 529 |
| Net loans and leases to total assets | 74.9606% | 1,647 |
| Net loans and leases to deposits | 86.9789% | 2,003 |
| Net loans and leases to core deposits | 112.0449% | 827 |
| Total domestic deposits to total assets | 86.1826% | 2,189 |
| Equity capital to assets | 10.9452% | 2,911 |
| Core capital (leverage) ratio | 10.7735% | 2,785 |
| Tier 1 risk-based capital ratio | 15.3867% | 2,711 |
| Total risk-based capital ratio | 16.5836% | 2,647 |
| Memoranda: | ||
| Average total assets | $579,064,000 | 1,260 |
| Average earning assets | $559,809,500 | 1,222 |
| Average equity | $62,181,000 | 1,332 |
| Average total loans | $428,117,500 | 1,217 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 4,421 |
| Cost of funding earning assets | 0.8682% | 1,232 |
| Net interest margin | 2.9627% | 4,836 |
| Noninterest income to average assets | 2.2023% | 237 |
| Noninterest expense to average assets | 4.4724% | 308 |
| Loan and lease loss provision to assets | -0.0426% | 5,181 |
| Net operating income to assets | 0.6426% | 4,307 |
| Return on assets (ROA) | 0.6311% | 4,339 |
| Pretax return on assets | 0.6272% | 4,581 |
| Return on Equity (ROE) | 6.4209% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.4209% | 1,967 |
| Net charge-offs to loans | -0.0011% | 4,190 |
| Credit loss provision to net charge-offs | 5,460.0000% | 87 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2396% | 421 |
| Assets per employee ($millions) | 4.9769% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 2,961 |
| Loan loss allowance to noncurrent loans | 45.8994% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 550 |
| Noncurrent loans to loans | 2.4478% | 506 |
| Net loans and leases to total assets | 71.3552% | 2,369 |
| Net loans and leases to deposits | 81.1742% | 2,831 |
| Net loans and leases to core deposits | 106.4515% | 1,239 |
| Total domestic deposits to total assets | 87.9039% | 1,345 |
| Equity capital to assets | 10.5404% | 3,140 |
| Core capital (leverage) ratio | 10.7856% | 2,749 |
| Tier 1 risk-based capital ratio | 15.9992% | 2,403 |
| Total risk-based capital ratio | 17.2491% | 2,347 |
| Memoranda: | ||
| Average total assets | $640,193,000 | 1,131 |
| Average earning assets | $619,343,200 | 1,084 |
| Average equity | $62,919,200 | 1,271 |
| Average total loans | $457,026,600 | 1,135 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 4,389 |
| Cost of funding earning assets | 0.8701% | 1,035 |
| Net interest margin | 2.9509% | 4,915 |
| Noninterest income to average assets | 2.6317% | 192 |
| Noninterest expense to average assets | 4.4161% | 317 |
| Loan and lease loss provision to assets | 0.0121% | 3,759 |
| Net operating income to assets | 1.0678% | 2,795 |
| Return on assets (ROA) | 1.0531% | 2,870 |
| Pretax return on assets | 1.0412% | 3,602 |
| Return on Equity (ROE) | 10.8940% | 2,219 |
| Retained earnings to average equity (ytd only) | 10.8940% | 670 |
| Net charge-offs to loans | 0.0965% | 1,529 |
| Credit loss provision to net charge-offs | 17.5595% | 3,029 |
| Earnings coverage of net charge-offs (x) | 15.5476% | 2,214 |
| Efficiency ratio | 80.5256% | 896 |
| Assets per employee ($millions) | 5.4084% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,130 |
| Loan loss allowance to noncurrent loans | 48.8235% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 763 |
| Noncurrent loans to loans | 2.2758% | 609 |
| Net loans and leases to total assets | 69.1874% | 2,775 |
| Net loans and leases to deposits | 78.3505% | 3,206 |
| Net loans and leases to core deposits | 104.2682% | 1,438 |
| Total domestic deposits to total assets | 88.3050% | 1,118 |
| Equity capital to assets | 10.1469% | 3,495 |
| Core capital (leverage) ratio | 10.3096% | 3,281 |
| Tier 1 risk-based capital ratio | 15.7386% | 2,557 |
| Total risk-based capital ratio | 16.9499% | 2,502 |
| Memoranda: | ||
| Average total assets | $652,177,500 | 1,117 |
| Average earning assets | $630,387,500 | 1,077 |
| Average equity | $63,042,500 | 1,267 |
| Average total loans | $464,431,500 | 1,120 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,405 |
| Cost of funding earning assets | 0.8458% | 938 |
| Net interest margin | 2.9285% | 4,976 |
| Noninterest income to average assets | 3.5479% | 130 |
| Noninterest expense to average assets | 4.3213% | 351 |
| Loan and lease loss provision to assets | 0.0030% | 3,752 |
| Net operating income to assets | 2.0881% | 317 |
| Return on assets (ROA) | 2.0881% | 311 |
| Pretax return on assets | 2.0507% | 542 |
| Return on Equity (ROE) | 21.9388% | 168 |
| Retained earnings to average equity (ytd only) | 21.9388% | 49 |
| Net charge-offs to loans | -0.0450% | 4,885 |
| Credit loss provision to net charge-offs | -9.3458% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7848% | 2,683 |
| Assets per employee ($millions) | 5.1989% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 2,993 |
| Loan loss allowance to noncurrent loans | 49.4282% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7274% | 703 |
| Noncurrent loans to loans | 2.3222% | 583 |
| Net loans and leases to total assets | 69.8563% | 2,601 |
| Net loans and leases to deposits | 79.0389% | 3,047 |
| Net loans and leases to core deposits | 104.4823% | 1,358 |
| Total domestic deposits to total assets | 88.3822% | 1,189 |
| Equity capital to assets | 10.1164% | 3,526 |
| Core capital (leverage) ratio | 9.9668% | 3,612 |
| Tier 1 risk-based capital ratio | 15.6255% | 2,580 |
| Total risk-based capital ratio | 16.8756% | 2,529 |
| Memoranda: | ||
| Average total assets | $664,052,670 | 1,102 |
| Average earning assets | $641,081,670 | 1,066 |
| Average equity | $63,203,000 | 1,265 |
| Average total loans | $475,452,330 | 1,097 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 3,594 |
| Cost of funding earning assets | 0.7740% | 1,083 |
| Net interest margin | 3.2302% | 4,369 |
| Noninterest income to average assets | 8.8091% | 61 |
| Noninterest expense to average assets | 5.1809% | 198 |
| Loan and lease loss provision to assets | 0.0030% | 3,478 |
| Net operating income to assets | 6.7147% | 28 |
| Return on assets (ROA) | 6.7147% | 28 |
| Pretax return on assets | 6.7520% | 36 |
| Return on Equity (ROE) | 70.6785% | 6 |
| Retained earnings to average equity (ytd only) | 70.6785% | 1 |
| Net charge-offs to loans | -0.0418% | 4,888 |
| Credit loss provision to net charge-offs | -9.8039% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4063% | 5,359 |
| Assets per employee ($millions) | 5.6554% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,541 |
| Loan loss allowance to noncurrent loans | 73.8723% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 1,322 |
| Noncurrent loans to loans | 1.4508% | 1,220 |
| Net loans and leases to total assets | 68.0182% | 2,770 |
| Net loans and leases to deposits | 79.5617% | 2,862 |
| Net loans and leases to core deposits | 109.0568% | 1,057 |
| Total domestic deposits to total assets | 85.4912% | 2,758 |
| Equity capital to assets | 9.9842% | 3,611 |
| Core capital (leverage) ratio | 10.7253% | 2,712 |
| Tier 1 risk-based capital ratio | 16.0540% | 2,447 |
| Total risk-based capital ratio | 17.2525% | 2,408 |
| Memoranda: | ||
| Average total assets | $676,483,000 | 1,096 |
| Average earning assets | $654,821,500 | 1,059 |
| Average equity | $64,268,500 | 1,255 |
| Average total loans | $487,489,500 | 1,079 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,605 |
| Cost of funding earning assets | 0.6722% | 1,174 |
| Net interest margin | 3.2691% | 4,258 |
| Noninterest income to average assets | 0.6482% | 2,206 |
| Noninterest expense to average assets | 4.1983% | 418 |
| Loan and lease loss provision to assets | 0.0963% | 2,284 |
| Net operating income to assets | -0.5075% | 5,530 |
| Return on assets (ROA) | -0.5075% | 5,531 |
| Pretax return on assets | -0.4819% | 5,547 |
| Return on Equity (ROE) | -5.6648% | 5,551 |
| Retained earnings to average equity (ytd only) | -5.6648% | 5,459 |
| Net charge-offs to loans | 0.0378% | 3,037 |
| Credit loss provision to net charge-offs | 325.0000% | 885 |
| Earnings coverage of net charge-offs (x) | -13.0100% | 4,096 |
| Efficiency ratio | 110.1131% | 106 |
| Assets per employee ($millions) | 5.0565% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,804 |
| Loan loss allowance to noncurrent loans | 79.5918% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 1,295 |
| Noncurrent loans to loans | 1.2824% | 1,374 |
| Net loans and leases to total assets | 74.7909% | 1,793 |
| Net loans and leases to deposits | 86.4563% | 2,204 |
| Net loans and leases to core deposits | 113.5061% | 818 |
| Total domestic deposits to total assets | 86.5072% | 2,229 |
| Equity capital to assets | 8.9884% | 4,737 |
| Core capital (leverage) ratio | 9.1706% | 4,435 |
| Tier 1 risk-based capital ratio | 12.6076% | 4,139 |
| Total risk-based capital ratio | 13.7104% | 4,133 |
| Memoranda: | ||
| Average total assets | $674,827,200 | 1,080 |
| Average earning assets | $653,238,200 | 1,029 |
| Average equity | $60,461,000 | 1,303 |
| Average total loans | $529,120,800 | 970 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,549 |
| Cost of funding earning assets | 0.6443% | 1,281 |
| Net interest margin | 3.2963% | 4,181 |
| Noninterest income to average assets | 0.6262% | 2,336 |
| Noninterest expense to average assets | 4.2127% | 401 |
| Loan and lease loss provision to assets | 0.1264% | 1,714 |
| Net operating income to assets | -0.5373% | 5,634 |
| Return on assets (ROA) | -0.5373% | 5,634 |
| Pretax return on assets | -0.5212% | 5,627 |
| Return on Equity (ROE) | -5.8951% | 5,640 |
| Retained earnings to average equity (ytd only) | -5.8951% | 5,565 |
| Net charge-offs to loans | 0.0310% | 2,809 |
| Credit loss provision to net charge-offs | 516.0000% | 618 |
| Earnings coverage of net charge-offs (x) | -16.1202% | 3,774 |
| Efficiency ratio | 110.3413% | 96 |
| Assets per employee ($millions) | 4.9834% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,114 |
| Loan loss allowance to noncurrent loans | 47.9653% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 851 |
| Noncurrent loans to loans | 2.0661% | 815 |
| Net loans and leases to total assets | 76.8843% | 1,437 |
| Net loans and leases to deposits | 88.8632% | 1,945 |
| Net loans and leases to core deposits | 122.3114% | 506 |
| Total domestic deposits to total assets | 86.5198% | 2,093 |
| Equity capital to assets | 9.0197% | 4,898 |
| Core capital (leverage) ratio | 9.2725% | 4,435 |
| Tier 1 risk-based capital ratio | 12.3633% | 4,400 |
| Total risk-based capital ratio | 13.4403% | 4,398 |
| Memoranda: | ||
| Average total assets | $680,472,250 | 1,079 |
| Average earning assets | $658,860,500 | 1,032 |
| Average equity | $62,016,250 | 1,282 |
| Average total loans | $537,327,500 | 954 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 3,486 |
| Cost of funding earning assets | 0.6288% | 1,274 |
| Net interest margin | 3.2915% | 4,136 |
| Noninterest income to average assets | 0.6373% | 2,274 |
| Noninterest expense to average assets | 4.6010% | 287 |
| Loan and lease loss provision to assets | 0.0762% | 2,457 |
| Net operating income to assets | -0.8777% | 5,710 |
| Return on assets (ROA) | -0.8777% | 5,709 |
| Pretax return on assets | -0.8538% | 5,699 |
| Return on Equity (ROE) | -9.5951% | 5,714 |
| Retained earnings to average equity (ytd only) | -9.5951% | 5,646 |
| Net charge-offs to loans | 0.0467% | 2,283 |
| Credit loss provision to net charge-offs | 205.5118% | 1,248 |
| Earnings coverage of net charge-offs (x) | -20.9606% | 3,493 |
| Efficiency ratio | 120.3361% | 65 |
| Assets per employee ($millions) | 5.1451% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,683 |
| Loan loss allowance to noncurrent loans | 49.5673% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 957 |
| Noncurrent loans to loans | 1.7939% | 1,008 |
| Net loans and leases to total assets | 79.8371% | 980 |
| Net loans and leases to deposits | 93.5428% | 1,311 |
| Net loans and leases to core deposits | 131.4907% | 282 |
| Total domestic deposits to total assets | 85.3481% | 2,668 |
| Equity capital to assets | 9.3154% | 4,604 |
| Core capital (leverage) ratio | 9.3091% | 4,359 |
| Tier 1 risk-based capital ratio | 12.2811% | 4,439 |
| Total risk-based capital ratio | 13.2463% | 4,522 |
| Memoranda: | ||
| Average total assets | $684,725,330 | 1,070 |
| Average earning assets | $662,804,330 | 1,029 |
| Average equity | $62,636,330 | 1,269 |
| Average total loans | $543,586,670 | 948 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,179 |
| Cost of funding earning assets | 0.6022% | 1,355 |
| Net interest margin | 3.3566% | 3,815 |
| Noninterest income to average assets | 0.6018% | 2,406 |
| Noninterest expense to average assets | 5.2501% | 207 |
| Loan and lease loss provision to assets | 0.1358% | 1,408 |
| Net operating income to assets | -1.5356% | 5,801 |
| Return on assets (ROA) | -1.5356% | 5,801 |
| Pretax return on assets | -1.5356% | 5,798 |
| Return on Equity (ROE) | -16.9351% | 5,808 |
| Retained earnings to average equity (ytd only) | -16.9351% | 5,690 |
| Net charge-offs to loans | 0.0540% | 1,798 |
| Credit loss provision to net charge-offs | 318.9189% | 759 |
| Earnings coverage of net charge-offs (x) | -32.8784% | 2,932 |
| Efficiency ratio | 136.3568% | 43 |
| Assets per employee ($millions) | 5.3517% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 4,844 |
| Loan loss allowance to noncurrent loans | 52.6710% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 1,124 |
| Noncurrent loans to loans | 1.6615% | 1,165 |
| Net loans and leases to total assets | 78.4587% | 1,065 |
| Net loans and leases to deposits | 92.1057% | 1,320 |
| Net loans and leases to core deposits | 115.9416% | 597 |
| Total domestic deposits to total assets | 85.1833% | 3,010 |
| Equity capital to assets | 8.9501% | 4,861 |
| Core capital (leverage) ratio | 9.1290% | 4,568 |
| Tier 1 risk-based capital ratio | 12.1316% | 4,633 |
| Total risk-based capital ratio | 13.0828% | 4,734 |
| Memoranda: | ||
| Average total assets | $695,229,000 | 1,060 |
| Average earning assets | $672,816,500 | 1,010 |
| Average equity | $63,040,500 | 1,259 |
| Average total loans | $548,056,500 | 940 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 3,595 |
| Cost of funding earning assets | 0.6386% | 1,117 |
| Net interest margin | 3.2530% | 4,284 |
| Noninterest income to average assets | 0.5621% | 2,860 |
| Noninterest expense to average assets | 3.9042% | 684 |
| Loan and lease loss provision to assets | -0.0560% | 5,605 |
| Net operating income to assets | -0.1513% | 5,700 |
| Return on assets (ROA) | -0.1432% | 5,712 |
| Pretax return on assets | -0.1425% | 5,704 |
| Return on Equity (ROE) | -1.5571% | 5,726 |
| Retained earnings to average equity (ytd only) | -1.5571% | 5,496 |
| Net charge-offs to loans | 0.0264% | 3,504 |
| Credit loss provision to net charge-offs | -266.8874% | 5,048 |
| Earnings coverage of net charge-offs (x) | -9.8477% | 4,239 |
| Efficiency ratio | 105.5860% | 164 |
| Assets per employee ($millions) | 5.2638% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,986 |
| Loan loss allowance to noncurrent loans | 48.4327% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 1,073 |
| Noncurrent loans to loans | 1.7354% | 1,107 |
| Net loans and leases to total assets | 77.8553% | 1,214 |
| Net loans and leases to deposits | 92.8719% | 1,316 |
| Net loans and leases to core deposits | 118.4228% | 531 |
| Total domestic deposits to total assets | 83.8309% | 3,492 |
| Equity capital to assets | 9.1834% | 4,598 |
| Core capital (leverage) ratio | 9.5144% | 4,063 |
| Tier 1 risk-based capital ratio | 12.9846% | 4,092 |
| Total risk-based capital ratio | 14.3221% | 3,933 |
| Memoranda: | ||
| Average total assets | $719,918,600 | 995 |
| Average earning assets | $693,910,200 | 960 |
| Average equity | $66,213,400 | 1,183 |
| Average total loans | $571,368,800 | 869 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,311 |
| Cost of funding earning assets | 0.6303% | 1,139 |
| Net interest margin | 3.3444% | 4,041 |
| Noninterest income to average assets | 0.5843% | 2,736 |
| Noninterest expense to average assets | 3.8789% | 693 |
| Loan and lease loss provision to assets | -0.0506% | 5,717 |
| Net operating income to assets | -0.0246% | 5,729 |
| Return on assets (ROA) | -0.0140% | 5,747 |
| Pretax return on assets | -0.0131% | 5,739 |
| Return on Equity (ROE) | -0.1513% | 5,748 |
| Retained earnings to average equity (ytd only) | -0.1513% | 5,381 |
| Net charge-offs to loans | 0.0351% | 2,930 |
| Credit loss provision to net charge-offs | -180.9211% | 4,846 |
| Earnings coverage of net charge-offs (x) | -2.6579% | 3,878 |
| Efficiency ratio | 101.9528% | 195 |
| Assets per employee ($millions) | 5.3655% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,967 |
| Loan loss allowance to noncurrent loans | 50.5753% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 1,171 |
| Noncurrent loans to loans | 1.7208% | 1,213 |
| Net loans and leases to total assets | 76.9277% | 1,377 |
| Net loans and leases to deposits | 91.4171% | 1,577 |
| Net loans and leases to core deposits | 107.1702% | 1,103 |
| Total domestic deposits to total assets | 84.1503% | 3,163 |
| Equity capital to assets | 9.5433% | 4,620 |
| Core capital (leverage) ratio | 9.4459% | 4,259 |
| Tier 1 risk-based capital ratio | 13.4039% | 3,917 |
| Total risk-based capital ratio | 14.7530% | 3,767 |
| Memoranda: | ||
| Average total assets | $725,007,500 | 993 |
| Average earning assets | $698,112,000 | 956 |
| Average equity | $66,956,000 | 1,177 |
| Average total loans | $576,792,250 | 859 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 3,489 |
| Cost of funding earning assets | 0.6273% | 1,152 |
| Net interest margin | 3.3054% | 4,211 |
| Noninterest income to average assets | 0.7196% | 2,050 |
| Noninterest expense to average assets | 3.8629% | 706 |
| Loan and lease loss provision to assets | -0.0369% | 5,812 |
| Net operating income to assets | 0.0642% | 5,709 |
| Return on assets (ROA) | 0.0642% | 5,744 |
| Pretax return on assets | 0.0743% | 5,746 |
| Return on Equity (ROE) | 0.7021% | 5,729 |
| Retained earnings to average equity (ytd only) | 0.7021% | 5,094 |
| Net charge-offs to loans | -0.0490% | 5,357 |
| Credit loss provision to net charge-offs | 93.7500% | 2,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0407% | 261 |
| Assets per employee ($millions) | 5.3362% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,906 |
| Loan loss allowance to noncurrent loans | 33.9557% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.3279% | 636 |
| Noncurrent loans to loans | 2.6939% | 604 |
| Net loans and leases to total assets | 80.3140% | 853 |
| Net loans and leases to deposits | 95.5606% | 1,123 |
| Net loans and leases to core deposits | 122.5209% | 448 |
| Total domestic deposits to total assets | 84.0451% | 3,247 |
| Equity capital to assets | 9.6457% | 4,619 |
| Core capital (leverage) ratio | 9.1778% | 4,628 |
| Tier 1 risk-based capital ratio | 13.0339% | 4,183 |
| Total risk-based capital ratio | 14.4283% | 4,007 |
| Memoranda: | ||
| Average total assets | $732,309,000 | 987 |
| Average earning assets | $704,660,670 | 946 |
| Average equity | $66,940,670 | 1,176 |
| Average total loans | $587,187,330 | 846 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 3,735 |
| Cost of funding earning assets | 0.6071% | 1,294 |
| Net interest margin | 3.2523% | 4,389 |
| Noninterest income to average assets | 0.7856% | 1,675 |
| Noninterest expense to average assets | 4.2935% | 457 |
| Loan and lease loss provision to assets | 0.1549% | 1,357 |
| Net operating income to assets | -0.5325% | 5,972 |
| Return on assets (ROA) | -0.5325% | 5,980 |
| Pretax return on assets | -0.5325% | 5,971 |
| Return on Equity (ROE) | -5.9793% | 5,986 |
| Retained earnings to average equity (ytd only) | -5.9793% | 5,660 |
| Net charge-offs to loans | 0.1064% | 1,490 |
| Credit loss provision to net charge-offs | 182.3899% | 1,143 |
| Earnings coverage of net charge-offs (x) | -4.4465% | 3,041 |
| Efficiency ratio | 109.6427% | 161 |
| Assets per employee ($millions) | 5.5888% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 5,060 |
| Loan loss allowance to noncurrent loans | 32.8585% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 2.3078% | 684 |
| Noncurrent loans to loans | 2.7334% | 640 |
| Net loans and leases to total assets | 78.7478% | 985 |
| Net loans and leases to deposits | 95.1787% | 1,027 |
| Net loans and leases to core deposits | 128.0088% | 303 |
| Total domestic deposits to total assets | 82.7368% | 3,990 |
| Equity capital to assets | 8.9398% | 5,231 |
| Core capital (leverage) ratio | 9.2310% | 4,563 |
| Tier 1 risk-based capital ratio | 12.6615% | 4,475 |
| Total risk-based capital ratio | 14.0543% | 4,305 |
| Memoranda: | ||
| Average total assets | $748,941,500 | 960 |
| Average earning assets | $720,834,000 | 918 |
| Average equity | $66,697,000 | 1,177 |
| Average total loans | $597,474,500 | 822 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 3,835 |
| Cost of funding earning assets | 0.5746% | 1,557 |
| Net interest margin | 3.2880% | 4,336 |
| Noninterest income to average assets | 0.9270% | 1,361 |
| Noninterest expense to average assets | 3.6933% | 986 |
| Loan and lease loss provision to assets | 0.1612% | 1,432 |
| Net operating income to assets | 0.1774% | 5,629 |
| Return on assets (ROA) | 0.1776% | 5,680 |
| Pretax return on assets | 0.2050% | 5,679 |
| Return on Equity (ROE) | 1.8654% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.8654% | 4,665 |
| Net charge-offs to loans | 0.3533% | 839 |
| Credit loss provision to net charge-offs | 61.3997% | 3,250 |
| Earnings coverage of net charge-offs (x) | 1.3942% | 4,096 |
| Efficiency ratio | 90.9833% | 635 |
| Assets per employee ($millions) | 5.8950% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 5,244 |
| Loan loss allowance to noncurrent loans | 41.4251% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 1,070 |
| Noncurrent loans to loans | 2.0669% | 998 |
| Net loans and leases to total assets | 79.3998% | 933 |
| Net loans and leases to deposits | 98.8735% | 756 |
| Net loans and leases to core deposits | 125.2274% | 351 |
| Total domestic deposits to total assets | 80.3044% | 4,663 |
| Equity capital to assets | 8.8717% | 5,247 |
| Core capital (leverage) ratio | 10.1467% | 3,323 |
| Tier 1 risk-based capital ratio | 12.7235% | 4,494 |
| Total risk-based capital ratio | 14.0618% | 4,340 |
| Memoranda: | ||
| Average total assets | $696,691,200 | 997 |
| Average earning assets | $663,711,800 | 958 |
| Average equity | $66,311,800 | 1,142 |
| Average total loans | $517,693,400 | 906 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,973 |
| Cost of funding earning assets | 0.5680% | 1,646 |
| Net interest margin | 3.2688% | 4,459 |
| Noninterest income to average assets | 0.7210% | 2,144 |
| Noninterest expense to average assets | 3.6628% | 1,026 |
| Loan and lease loss provision to assets | 0.0264% | 3,738 |
| Net operating income to assets | 0.1138% | 5,825 |
| Return on assets (ROA) | 0.1141% | 5,866 |
| Pretax return on assets | 0.1384% | 5,858 |
| Return on Equity (ROE) | 1.1770% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.1770% | 5,246 |
| Net charge-offs to loans | 0.3879% | 666 |
| Credit loss provision to net charge-offs | 9.3555% | 3,458 |
| Earnings coverage of net charge-offs (x) | 0.5828% | 3,930 |
| Efficiency ratio | 95.7055% | 424 |
| Assets per employee ($millions) | 5.8627% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 5,496 |
| Loan loss allowance to noncurrent loans | 50.7380% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7376% | 1,248 |
| Noncurrent loans to loans | 1.5933% | 1,555 |
| Net loans and leases to total assets | 76.5508% | 1,310 |
| Net loans and leases to deposits | 95.1224% | 1,082 |
| Net loans and leases to core deposits | 121.2006% | 440 |
| Total domestic deposits to total assets | 80.4761% | 4,611 |
| Equity capital to assets | 9.1267% | 5,188 |
| Core capital (leverage) ratio | 10.3446% | 3,202 |
| Tier 1 risk-based capital ratio | 13.4168% | 4,185 |
| Total risk-based capital ratio | 14.9217% | 3,970 |
| Memoranda: | ||
| Average total assets | $682,222,500 | 1,017 |
| Average earning assets | $648,298,750 | 987 |
| Average equity | $66,154,000 | 1,152 |
| Average total loans | $496,042,250 | 946 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 4,143 |
| Cost of funding earning assets | 0.5657% | 1,678 |
| Net interest margin | 3.2115% | 4,626 |
| Noninterest income to average assets | 0.7773% | 1,881 |
| Noninterest expense to average assets | 3.7219% | 964 |
| Loan and lease loss provision to assets | -0.0745% | 6,059 |
| Net operating income to assets | 0.1611% | 5,790 |
| Return on assets (ROA) | 0.1611% | 5,837 |
| Pretax return on assets | 0.1743% | 5,855 |
| Return on Equity (ROE) | 1.6264% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.6264% | 4,885 |
| Net charge-offs to loans | 0.6454% | 360 |
| Credit loss provision to net charge-offs | -16.2516% | 4,716 |
| Earnings coverage of net charge-offs (x) | 0.2176% | 3,689 |
| Efficiency ratio | 97.3887% | 398 |
| Assets per employee ($millions) | 5.2503% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 5,525 |
| Loan loss allowance to noncurrent loans | 37.0133% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 2.2051% | 950 |
| Noncurrent loans to loans | 2.2430% | 1,063 |
| Net loans and leases to total assets | 72.9986% | 1,823 |
| Net loans and leases to deposits | 88.6609% | 1,757 |
| Net loans and leases to core deposits | 108.5049% | 924 |
| Total domestic deposits to total assets | 82.3347% | 4,184 |
| Equity capital to assets | 9.7810% | 4,297 |
| Core capital (leverage) ratio | 10.4070% | 3,078 |
| Tier 1 risk-based capital ratio | 14.8621% | 3,439 |
| Total risk-based capital ratio | 16.4284% | 3,193 |
| Memoranda: | ||
| Average total assets | $665,350,330 | 1,045 |
| Average earning assets | $630,739,000 | 1,015 |
| Average equity | $65,910,670 | 1,162 |
| Average total loans | $472,867,670 | 983 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 4,158 |
| Cost of funding earning assets | 0.5332% | 1,984 |
| Net interest margin | 3.2293% | 4,487 |
| Noninterest income to average assets | 0.6641% | 2,341 |
| Noninterest expense to average assets | 3.8464% | 831 |
| Loan and lease loss provision to assets | -0.3679% | 6,326 |
| Net operating income to assets | 0.2276% | 5,616 |
| Return on assets (ROA) | 0.2276% | 5,704 |
| Pretax return on assets | 0.2342% | 5,780 |
| Return on Equity (ROE) | 2.2755% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.2755% | 4,547 |
| Net charge-offs to loans | 0.2881% | 831 |
| Credit loss provision to net charge-offs | -183.4835% | 4,589 |
| Earnings coverage of net charge-offs (x) | -0.6667% | 3,155 |
| Efficiency ratio | 103.6004% | 277 |
| Assets per employee ($millions) | 5.2921% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,935 |
| Loan loss allowance to noncurrent loans | 43.4534% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 1,038 |
| Noncurrent loans to loans | 2.3392% | 1,051 |
| Net loans and leases to total assets | 70.5382% | 2,064 |
| Net loans and leases to deposits | 89.8334% | 1,411 |
| Net loans and leases to core deposits | 106.1071% | 930 |
| Total domestic deposits to total assets | 78.5211% | 5,350 |
| Equity capital to assets | 9.8277% | 4,352 |
| Core capital (leverage) ratio | 10.8768% | 2,540 |
| Tier 1 risk-based capital ratio | 14.9799% | 3,446 |
| Total risk-based capital ratio | 16.7472% | 3,088 |
| Memoranda: | ||
| Average total assets | $664,309,000 | 1,048 |
| Average earning assets | $627,137,500 | 1,019 |
| Average equity | $66,446,500 | 1,152 |
| Average total loans | $462,318,500 | 1,005 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 4,615 |
| Cost of funding earning assets | 0.5800% | 1,949 |
| Net interest margin | 3.1813% | 4,979 |
| Noninterest income to average assets | 0.8318% | 1,745 |
| Noninterest expense to average assets | 4.2202% | 590 |
| Loan and lease loss provision to assets | -0.3638% | 6,406 |
| Net operating income to assets | -0.0268% | 6,110 |
| Return on assets (ROA) | -0.0216% | 6,120 |
| Pretax return on assets | 0.0006% | 6,095 |
| Return on Equity (ROE) | -0.2194% | 6,121 |
| Retained earnings to average equity (ytd only) | -0.2194% | 5,805 |
| Net charge-offs to loans | 0.0468% | 3,890 |
| Credit loss provision to net charge-offs | -1,227.2251% | 5,927 |
| Earnings coverage of net charge-offs (x) | -12.5288% | 4,922 |
| Efficiency ratio | 109.6504% | 227 |
| Assets per employee ($millions) | 5.0072% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,218 |
| Loan loss allowance to noncurrent loans | 52.9301% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.3287% | 1,019 |
| Noncurrent loans to loans | 2.5355% | 1,001 |
| Net loans and leases to total assets | 66.9200% | 2,742 |
| Net loans and leases to deposits | 81.8031% | 2,500 |
| Net loans and leases to core deposits | 93.4103% | 1,958 |
| Total domestic deposits to total assets | 81.8062% | 4,490 |
| Equity capital to assets | 10.1869% | 3,872 |
| Core capital (leverage) ratio | 10.4873% | 2,960 |
| Tier 1 risk-based capital ratio | 16.1630% | 2,882 |
| Total risk-based capital ratio | 18.3694% | 2,428 |
| Memoranda: | ||
| Average total assets | $644,282,200 | 1,043 |
| Average earning assets | $611,010,200 | 1,007 |
| Average equity | $63,340,400 | 1,154 |
| Average total loans | $408,097,200 | 1,076 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,522 |
| Cost of funding earning assets | 0.5752% | 2,061 |
| Net interest margin | 3.2311% | 4,852 |
| Noninterest income to average assets | 0.8734% | 1,609 |
| Noninterest expense to average assets | 4.2732% | 575 |
| Loan and lease loss provision to assets | -0.2472% | 6,425 |
| Net operating income to assets | -0.1017% | 6,221 |
| Return on assets (ROA) | -0.0913% | 6,216 |
| Pretax return on assets | -0.0745% | 6,183 |
| Return on Equity (ROE) | -0.9374% | 6,220 |
| Retained earnings to average equity (ytd only) | -0.9374% | 5,953 |
| Net charge-offs to loans | 0.2077% | 1,807 |
| Credit loss provision to net charge-offs | -191.3462% | 5,548 |
| Earnings coverage of net charge-offs (x) | -2.5705% | 4,585 |
| Efficiency ratio | 108.4279% | 241 |
| Assets per employee ($millions) | 4.8644% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 2,312 |
| Loan loss allowance to noncurrent loans | 61.9728% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.2825% | 1,198 |
| Noncurrent loans to loans | 2.5772% | 1,119 |
| Net loans and leases to total assets | 62.8236% | 3,371 |
| Net loans and leases to deposits | 77.0151% | 3,064 |
| Net loans and leases to core deposits | 88.1369% | 2,410 |
| Total domestic deposits to total assets | 81.5731% | 4,637 |
| Equity capital to assets | 9.9538% | 4,221 |
| Core capital (leverage) ratio | 10.4233% | 3,132 |
| Tier 1 risk-based capital ratio | 16.9803% | 2,630 |
| Total risk-based capital ratio | 19.2303% | 2,175 |
| Memoranda: | ||
| Average total assets | $643,869,000 | 1,054 |
| Average earning assets | $611,286,250 | 1,014 |
| Average equity | $62,725,250 | 1,174 |
| Average total loans | $400,586,500 | 1,098 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 4,337 |
| Cost of funding earning assets | 0.5748% | 2,122 |
| Net interest margin | 3.2753% | 4,681 |
| Noninterest income to average assets | 0.8574% | 1,629 |
| Noninterest expense to average assets | 4.3930% | 506 |
| Loan and lease loss provision to assets | -0.1496% | 6,428 |
| Net operating income to assets | -0.2791% | 6,362 |
| Return on assets (ROA) | -0.2635% | 6,364 |
| Pretax return on assets | -0.2557% | 6,342 |
| Return on Equity (ROE) | -2.7249% | 6,365 |
| Retained earnings to average equity (ytd only) | -2.7249% | 6,070 |
| Net charge-offs to loans | 0.4384% | 930 |
| Credit loss provision to net charge-offs | -55.3510% | 5,182 |
| Earnings coverage of net charge-offs (x) | -1.5570% | 4,231 |
| Efficiency ratio | 110.5976% | 222 |
| Assets per employee ($millions) | 4.8698% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 1,852 |
| Loan loss allowance to noncurrent loans | 66.1363% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.2863% | 1,314 |
| Noncurrent loans to loans | 2.7151% | 1,120 |
| Net loans and leases to total assets | 59.6630% | 3,777 |
| Net loans and leases to deposits | 73.4311% | 3,397 |
| Net loans and leases to core deposits | 84.3909% | 2,697 |
| Total domestic deposits to total assets | 81.2504% | 4,898 |
| Equity capital to assets | 9.8564% | 4,283 |
| Core capital (leverage) ratio | 10.3486% | 3,139 |
| Tier 1 risk-based capital ratio | 17.5303% | 2,402 |
| Total risk-based capital ratio | 20.0958% | 1,926 |
| Memoranda: | ||
| Average total assets | $642,838,330 | 1,053 |
| Average earning assets | $611,300,670 | 1,014 |
| Average equity | $62,168,000 | 1,170 |
| Average total loans | $396,435,000 | 1,102 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 4,065 |
| Cost of funding earning assets | 0.5769% | 2,181 |
| Net interest margin | 3.3282% | 4,434 |
| Noninterest income to average assets | 1.0187% | 1,090 |
| Noninterest expense to average assets | 4.7807% | 363 |
| Loan and lease loss provision to assets | 0.1874% | 1,274 |
| Net operating income to assets | -0.7907% | 6,537 |
| Return on assets (ROA) | -0.7626% | 6,532 |
| Pretax return on assets | -0.7576% | 6,524 |
| Return on Equity (ROE) | -7.9632% | 6,529 |
| Retained earnings to average equity (ytd only) | -7.9632% | 6,282 |
| Net charge-offs to loans | 1.4898% | 212 |
| Credit loss provision to net charge-offs | 20.2429% | 2,495 |
| Earnings coverage of net charge-offs (x) | -0.6464% | 3,493 |
| Efficiency ratio | 114.3070% | 228 |
| Assets per employee ($millions) | 4.8631% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 1,953 |
| Loan loss allowance to noncurrent loans | 41.2066% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.9477% | 981 |
| Noncurrent loans to loans | 4.4442% | 550 |
| Net loans and leases to total assets | 60.4018% | 3,490 |
| Net loans and leases to deposits | 75.0074% | 2,942 |
| Net loans and leases to core deposits | 86.1080% | 2,310 |
| Total domestic deposits to total assets | 80.5278% | 5,378 |
| Equity capital to assets | 9.6440% | 4,300 |
| Core capital (leverage) ratio | 10.3830% | 3,072 |
| Tier 1 risk-based capital ratio | 17.5452% | 2,464 |
| Total risk-based capital ratio | 20.1201% | 1,965 |
| Memoranda: | ||
| Average total assets | $640,413,000 | 1,065 |
| Average earning assets | $608,734,500 | 1,029 |
| Average equity | $61,332,500 | 1,183 |
| Average total loans | $397,904,000 | 1,104 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 4,286 |
| Cost of funding earning assets | 0.5990% | 2,670 |
| Net interest margin | 3.3508% | 4,479 |
| Noninterest income to average assets | 0.7296% | 2,381 |
| Noninterest expense to average assets | 4.3298% | 613 |
| Loan and lease loss provision to assets | -0.6959% | 6,772 |
| Net operating income to assets | 0.2517% | 5,687 |
| Return on assets (ROA) | 0.3432% | 5,474 |
| Pretax return on assets | 0.3670% | 5,568 |
| Return on Equity (ROE) | 3.4670% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.4670% | 3,762 |
| Net charge-offs to loans | 0.4199% | 1,593 |
| Credit loss provision to net charge-offs | -272.4985% | 6,039 |
| Earnings coverage of net charge-offs (x) | -1.6691% | 5,307 |
| Efficiency ratio | 110.9201% | 258 |
| Assets per employee ($millions) | 4.8038% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 1,333 |
| Loan loss allowance to noncurrent loans | 37.2444% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.7596% | 735 |
| Noncurrent loans to loans | 5.6366% | 390 |
| Net loans and leases to total assets | 61.4220% | 3,455 |
| Net loans and leases to deposits | 79.9621% | 2,460 |
| Net loans and leases to core deposits | 91.0360% | 1,900 |
| Total domestic deposits to total assets | 76.8139% | 6,004 |
| Equity capital to assets | 9.5098% | 4,418 |
| Core capital (leverage) ratio | 10.5110% | 2,905 |
| Tier 1 risk-based capital ratio | 17.6031% | 2,376 |
| Total risk-based capital ratio | 20.1736% | 1,904 |
| Memoranda: | ||
| Average total assets | $637,862,400 | 1,049 |
| Average earning assets | $604,182,600 | 1,017 |
| Average equity | $63,137,800 | 1,136 |
| Average total loans | $387,957,200 | 1,099 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 4,414 |
| Cost of funding earning assets | 0.6082% | 2,746 |
| Net interest margin | 3.3151% | 4,583 |
| Noninterest income to average assets | 0.7484% | 2,373 |
| Noninterest expense to average assets | 4.2504% | 658 |
| Loan and lease loss provision to assets | -0.7083% | 6,855 |
| Net operating income to assets | 0.3200% | 5,544 |
| Return on assets (ROA) | 0.4368% | 5,232 |
| Pretax return on assets | 0.4686% | 5,449 |
| Return on Equity (ROE) | 4.3702% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.3702% | 3,564 |
| Net charge-offs to loans | 0.5881% | 1,069 |
| Credit loss provision to net charge-offs | -199.5875% | 5,898 |
| Earnings coverage of net charge-offs (x) | -1.0295% | 5,018 |
| Efficiency ratio | 109.4031% | 279 |
| Assets per employee ($millions) | 4.7812% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 1,169 |
| Loan loss allowance to noncurrent loans | 36.1709% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 4.2389% | 726 |
| Noncurrent loans to loans | 6.3862% | 367 |
| Net loans and leases to total assets | 62.5095% | 3,259 |
| Net loans and leases to deposits | 81.7461% | 2,169 |
| Net loans and leases to core deposits | 92.3752% | 1,737 |
| Total domestic deposits to total assets | 76.4678% | 6,115 |
| Equity capital to assets | 9.6882% | 4,314 |
| Core capital (leverage) ratio | 10.5267% | 2,977 |
| Tier 1 risk-based capital ratio | 17.4161% | 2,535 |
| Total risk-based capital ratio | 19.9823% | 2,039 |
| Memoranda: | ||
| Average total assets | $637,602,750 | 1,058 |
| Average earning assets | $603,284,500 | 1,023 |
| Average equity | $63,732,750 | 1,141 |
| Average total loans | $384,736,250 | 1,114 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 4,750 |
| Cost of funding earning assets | 0.6247% | 2,736 |
| Net interest margin | 3.1982% | 4,953 |
| Noninterest income to average assets | 0.7813% | 2,270 |
| Noninterest expense to average assets | 4.3057% | 623 |
| Loan and lease loss provision to assets | -0.9032% | 6,910 |
| Net operating income to assets | 0.3687% | 5,338 |
| Return on assets (ROA) | 0.4817% | 5,057 |
| Pretax return on assets | 0.5246% | 5,290 |
| Return on Equity (ROE) | 4.7702% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.7702% | 3,206 |
| Net charge-offs to loans | 0.6805% | 970 |
| Credit loss provision to net charge-offs | -224.4548% | 5,756 |
| Earnings coverage of net charge-offs (x) | -1.2461% | 4,730 |
| Efficiency ratio | 113.1807% | 238 |
| Assets per employee ($millions) | 4.7045% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8237% | 689 |
| Loan loss allowance to noncurrent loans | 35.3989% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 4.7380% | 671 |
| Noncurrent loans to loans | 7.9767% | 258 |
| Net loans and leases to total assets | 55.9057% | 4,310 |
| Net loans and leases to deposits | 72.1319% | 3,428 |
| Net loans and leases to core deposits | 81.8154% | 2,818 |
| Total domestic deposits to total assets | 77.5049% | 6,062 |
| Equity capital to assets | 9.8319% | 4,145 |
| Core capital (leverage) ratio | 10.4318% | 2,957 |
| Tier 1 risk-based capital ratio | 17.4157% | 2,549 |
| Total risk-based capital ratio | 19.9988% | 2,029 |
| Memoranda: | ||
| Average total assets | $638,170,670 | 1,055 |
| Average earning assets | $603,210,670 | 1,025 |
| Average equity | $64,441,330 | 1,127 |
| Average total loans | $377,349,670 | 1,130 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,967 |
| Cost of funding earning assets | 0.6478% | 2,679 |
| Net interest margin | 3.1103% | 5,223 |
| Noninterest income to average assets | 0.5584% | 3,375 |
| Noninterest expense to average assets | 5.2756% | 302 |
| Loan and lease loss provision to assets | -2.3217% | 7,011 |
| Net operating income to assets | 0.5258% | 4,545 |
| Return on assets (ROA) | 0.5928% | 4,401 |
| Pretax return on assets | 0.6328% | 4,828 |
| Return on Equity (ROE) | 5.7946% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.7946% | 2,784 |
| Net charge-offs to loans | -0.2285% | 6,711 |
| Credit loss provision to net charge-offs | 1,695.4338% | 190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.0711% | 88 |
| Assets per employee ($millions) | 4.8040% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8675% | 760 |
| Loan loss allowance to noncurrent loans | 25.0684% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 7.2343% | 382 |
| Noncurrent loans to loans | 11.4386% | 154 |
| Net loans and leases to total assets | 58.2600% | 3,748 |
| Net loans and leases to deposits | 74.1285% | 2,901 |
| Net loans and leases to core deposits | 84.4943% | 2,264 |
| Total domestic deposits to total assets | 78.5933% | 6,033 |
| Equity capital to assets | 10.3480% | 3,739 |
| Core capital (leverage) ratio | 10.2561% | 3,072 |
| Tier 1 risk-based capital ratio | 16.9851% | 2,759 |
| Total risk-based capital ratio | 19.5513% | 2,222 |
| Memoranda: | ||
| Average total assets | $639,704,500 | 1,066 |
| Average earning assets | $608,179,000 | 1,024 |
| Average equity | $65,440,500 | 1,127 |
| Average total loans | $383,336,500 | 1,114 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 4,925 |
| Cost of funding earning assets | 0.9419% | 1,693 |
| Net interest margin | 3.1655% | 5,653 |
| Noninterest income to average assets | 0.9692% | 1,635 |
| Noninterest expense to average assets | 4.2339% | 733 |
| Loan and lease loss provision to assets | 0.6861% | 762 |
| Net operating income to assets | -0.9743% | 6,738 |
| Return on assets (ROA) | -0.9650% | 6,749 |
| Pretax return on assets | -0.9289% | 6,714 |
| Return on Equity (ROE) | -9.6660% | 6,712 |
| Retained earnings to average equity (ytd only) | -9.6660% | 6,624 |
| Net charge-offs to loans | 2.4284% | 260 |
| Credit loss provision to net charge-offs | 42.8130% | 4,873 |
| Earnings coverage of net charge-offs (x) | -0.1572% | 5,556 |
| Efficiency ratio | 106.3289% | 403 |
| Assets per employee ($millions) | 5.0038% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7771% | 333 |
| Loan loss allowance to noncurrent loans | 26.5470% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 8.9857% | 271 |
| Noncurrent loans to loans | 14.2279% | 92 |
| Net loans and leases to total assets | 57.6069% | 4,044 |
| Net loans and leases to deposits | 72.4308% | 3,343 |
| Net loans and leases to core deposits | 83.3202% | 2,629 |
| Total domestic deposits to total assets | 79.5337% | 5,778 |
| Equity capital to assets | 10.1119% | 4,021 |
| Core capital (leverage) ratio | 10.0600% | 3,329 |
| Tier 1 risk-based capital ratio | 16.5636% | 2,854 |
| Total risk-based capital ratio | 19.1298% | 2,272 |
| Memoranda: | ||
| Average total assets | $646,807,600 | 1,015 |
| Average earning assets | $615,579,000 | 977 |
| Average equity | $64,576,800 | 1,097 |
| Average total loans | $426,872,200 | 981 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 5,005 |
| Cost of funding earning assets | 1.0154% | 1,472 |
| Net interest margin | 3.1316% | 5,863 |
| Noninterest income to average assets | 0.8141% | 2,175 |
| Noninterest expense to average assets | 4.1854% | 733 |
| Loan and lease loss provision to assets | 0.9949% | 410 |
| Net operating income to assets | -1.4203% | 6,951 |
| Return on assets (ROA) | -1.4203% | 6,965 |
| Pretax return on assets | -1.3862% | 6,939 |
| Return on Equity (ROE) | -14.2711% | 6,923 |
| Retained earnings to average equity (ytd only) | -14.2711% | 6,895 |
| Net charge-offs to loans | 2.6929% | 225 |
| Credit loss provision to net charge-offs | 54.7223% | 4,286 |
| Earnings coverage of net charge-offs (x) | -0.2152% | 5,411 |
| Efficiency ratio | 110.3138% | 305 |
| Assets per employee ($millions) | 4.9079% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0336% | 300 |
| Loan loss allowance to noncurrent loans | 25.3523% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 10.4757% | 218 |
| Noncurrent loans to loans | 15.9103% | 85 |
| Net loans and leases to total assets | 61.1840% | 3,538 |
| Net loans and leases to deposits | 76.0249% | 2,982 |
| Net loans and leases to core deposits | 88.4501% | 2,163 |
| Total domestic deposits to total assets | 80.4788% | 5,523 |
| Equity capital to assets | 9.9450% | 4,576 |
| Core capital (leverage) ratio | 9.9134% | 3,676 |
| Tier 1 risk-based capital ratio | 15.5732% | 3,495 |
| Total risk-based capital ratio | 18.0900% | 2,774 |
| Memoranda: | ||
| Average total assets | $648,389,000 | 1,026 |
| Average earning assets | $617,008,000 | 981 |
| Average equity | $64,529,750 | 1,109 |
| Average total loans | $437,729,000 | 958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 5,125 |
| Cost of funding earning assets | 1.1474% | 1,040 |
| Net interest margin | 3.0050% | 6,233 |
| Noninterest income to average assets | 0.5274% | 3,739 |
| Noninterest expense to average assets | 4.1756% | 754 |
| Loan and lease loss provision to assets | 1.3120% | 303 |
| Net operating income to assets | -2.1398% | 7,085 |
| Return on assets (ROA) | -2.1398% | 7,095 |
| Pretax return on assets | -2.1002% | 7,080 |
| Return on Equity (ROE) | -21.4952% | 7,049 |
| Retained earnings to average equity (ytd only) | -21.4952% | 7,025 |
| Net charge-offs to loans | 2.7140% | 240 |
| Credit loss provision to net charge-offs | 70.3289% | 3,552 |
| Earnings coverage of net charge-offs (x) | -0.4225% | 5,218 |
| Efficiency ratio | 123.2699% | 204 |
| Assets per employee ($millions) | 5.1156% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4296% | 244 |
| Loan loss allowance to noncurrent loans | 26.6580% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 11.1330% | 209 |
| Noncurrent loans to loans | 16.6163% | 79 |
| Net loans and leases to total assets | 62.2829% | 3,374 |
| Net loans and leases to deposits | 76.9967% | 2,833 |
| Net loans and leases to core deposits | 89.5172% | 2,031 |
| Total domestic deposits to total assets | 80.8903% | 5,506 |
| Equity capital to assets | 9.6947% | 4,764 |
| Core capital (leverage) ratio | 9.7238% | 3,800 |
| Tier 1 risk-based capital ratio | 15.1320% | 3,676 |
| Total risk-based capital ratio | 17.6293% | 2,937 |
| Memoranda: | ||
| Average total assets | $651,842,000 | 1,015 |
| Average earning assets | $620,375,670 | 972 |
| Average equity | $64,889,000 | 1,087 |
| Average total loans | $448,045,330 | 927 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 5,125 |
| Cost of funding earning assets | 1.5099% | 275 |
| Net interest margin | 2.6832% | 6,793 |
| Noninterest income to average assets | 0.5950% | 3,264 |
| Noninterest expense to average assets | 4.4578% | 569 |
| Loan and lease loss provision to assets | 2.4727% | 105 |
| Net operating income to assets | -3.7634% | 7,252 |
| Return on assets (ROA) | -3.7634% | 7,252 |
| Pretax return on assets | -3.7817% | 7,245 |
| Return on Equity (ROE) | -37.3254% | 7,192 |
| Retained earnings to average equity (ytd only) | -37.3254% | 7,174 |
| Net charge-offs to loans | 4.0196% | 144 |
| Credit loss provision to net charge-offs | 87.2712% | 2,597 |
| Earnings coverage of net charge-offs (x) | -0.4620% | 4,495 |
| Efficiency ratio | 141.5698% | 129 |
| Assets per employee ($millions) | 5.0841% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4795% | 250 |
| Loan loss allowance to noncurrent loans | 23.5367% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 13.4867% | 151 |
| Noncurrent loans to loans | 19.0319% | 59 |
| Net loans and leases to total assets | 65.9792% | 2,469 |
| Net loans and leases to deposits | 78.1891% | 2,475 |
| Net loans and leases to core deposits | 91.6124% | 1,687 |
| Total domestic deposits to total assets | 84.3842% | 4,330 |
| Equity capital to assets | 9.8629% | 4,297 |
| Core capital (leverage) ratio | 9.8270% | 3,602 |
| Tier 1 risk-based capital ratio | 14.4975% | 4,110 |
| Total risk-based capital ratio | 16.9400% | 3,313 |
| Memoranda: | ||
| Average total assets | $655,478,500 | 1,006 |
| Average earning assets | $623,874,000 | 965 |
| Average equity | $66,089,000 | 1,061 |
| Average total loans | $462,036,500 | 888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 4,676 |
| Cost of funding earning assets | 1.0824% | 2,789 |
| Net interest margin | 3.5181% | 5,080 |
| Noninterest income to average assets | 0.5294% | 3,655 |
| Noninterest expense to average assets | 4.2933% | 724 |
| Loan and lease loss provision to assets | 2.7438% | 148 |
| Net operating income to assets | -2.8397% | 7,159 |
| Return on assets (ROA) | -2.8397% | 7,167 |
| Pretax return on assets | -3.1604% | 7,201 |
| Return on Equity (ROE) | -35.2033% | 7,131 |
| Retained earnings to average equity (ytd only) | -35.9356% | 7,132 |
| Net charge-offs to loans | 3.0181% | 320 |
| Credit loss provision to net charge-offs | 114.6047% | 2,851 |
| Earnings coverage of net charge-offs (x) | -0.1740% | 5,939 |
| Efficiency ratio | 110.3244% | 435 |
| Assets per employee ($millions) | 5.2372% | 1,900 |
| Cash dividends to net income (ytd only)* | -2.0801% | 7,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9550% | 395 |
| Loan loss allowance to noncurrent loans | 20.7561% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 14.0148% | 155 |
| Noncurrent loans to loans | 19.0548% | 60 |
| Net loans and leases to total assets | 68.9994% | 2,214 |
| Net loans and leases to deposits | 93.5530% | 841 |
| Net loans and leases to core deposits | 110.6491% | 602 |
| Total domestic deposits to total assets | 73.7543% | 6,741 |
| Equity capital to assets | 10.2924% | 3,792 |
| Core capital (leverage) ratio | 10.2988% | 2,976 |
| Tier 1 risk-based capital ratio | 14.7555% | 3,792 |
| Total risk-based capital ratio | 17.1094% | 3,085 |
| Memoranda: | ||
| Average total assets | $695,824,800 | 938 |
| Average earning assets | $662,024,800 | 899 |
| Average equity | $56,128,200 | 1,212 |
| Average total loans | $551,966,600 | 764 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 4,496 |
| Cost of funding earning assets | 1.0903% | 3,042 |
| Net interest margin | 3.6019% | 4,758 |
| Noninterest income to average assets | 0.6105% | 3,101 |
| Noninterest expense to average assets | 4.3763% | 653 |
| Loan and lease loss provision to assets | 3.6037% | 76 |
| Net operating income to assets | -3.7085% | 7,316 |
| Return on assets (ROA) | -3.7085% | 7,320 |
| Pretax return on assets | -3.9409% | 7,331 |
| Return on Equity (ROE) | -49.2158% | 7,287 |
| Retained earnings to average equity (ytd only) | -50.2514% | 7,288 |
| Net charge-offs to loans | 3.7651% | 188 |
| Credit loss provision to net charge-offs | 117.9993% | 2,765 |
| Earnings coverage of net charge-offs (x) | -0.1104% | 5,670 |
| Efficiency ratio | 107.8131% | 466 |
| Assets per employee ($millions) | 5.1724% | 1,968 |
| Cash dividends to net income (ytd only)* | -2.1044% | 7,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6902% | 493 |
| Loan loss allowance to noncurrent loans | 16.4922% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 17.4986% | 83 |
| Noncurrent loans to loans | 22.3754% | 42 |
| Net loans and leases to total assets | 75.1440% | 1,120 |
| Net loans and leases to deposits | 98.7546% | 527 |
| Net loans and leases to core deposits | 115.5225% | 512 |
| Total domestic deposits to total assets | 76.0917% | 6,529 |
| Equity capital to assets | 9.0655% | 5,669 |
| Core capital (leverage) ratio | 9.0988% | 4,791 |
| Tier 1 risk-based capital ratio | 12.1135% | 5,803 |
| Total risk-based capital ratio | 14.3778% | 4,982 |
| Memoranda: | ||
| Average total assets | $702,191,750 | 934 |
| Average earning assets | $668,416,750 | 892 |
| Average equity | $52,911,250 | 1,290 |
| Average total loans | $569,561,000 | 753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 4,207 |
| Cost of funding earning assets | 1.1304% | 3,031 |
| Net interest margin | 3.6408% | 4,561 |
| Noninterest income to average assets | 0.6700% | 2,713 |
| Noninterest expense to average assets | 4.1042% | 911 |
| Loan and lease loss provision to assets | 3.3705% | 118 |
| Net operating income to assets | -2.9505% | 7,305 |
| Return on assets (ROA) | -2.9505% | 7,309 |
| Pretax return on assets | -3.3471% | 7,347 |
| Return on Equity (ROE) | -41.8589% | 7,318 |
| Retained earnings to average equity (ytd only) | -43.5005% | 7,320 |
| Net charge-offs to loans | 3.1362% | 314 |
| Credit loss provision to net charge-offs | 130.9131% | 2,335 |
| Earnings coverage of net charge-offs (x) | 0.0091% | 5,275 |
| Efficiency ratio | 98.9155% | 756 |
| Assets per employee ($millions) | 5.3389% | 1,716 |
| Cash dividends to net income (ytd only)* | -3.9218% | 7,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4732% | 609 |
| Loan loss allowance to noncurrent loans | 16.8728% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 17.0292% | 108 |
| Noncurrent loans to loans | 20.5847% | 54 |
| Net loans and leases to total assets | 79.6902% | 562 |
| Net loans and leases to deposits | 105.5019% | 278 |
| Net loans and leases to core deposits | 123.4906% | 353 |
| Total domestic deposits to total assets | 75.5343% | 6,667 |
| Equity capital to assets | 10.3273% | 3,716 |
| Core capital (leverage) ratio | 10.3363% | 2,900 |
| Tier 1 risk-based capital ratio | 13.9765% | 4,187 |
| Total risk-based capital ratio | 16.2563% | 3,466 |
| Memoranda: | ||
| Average total assets | $710,395,670 | 929 |
| Average earning assets | $674,635,670 | 901 |
| Average equity | $50,073,000 | 1,343 |
| Average total loans | $583,191,330 | 735 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 2,639 |
| Cost of funding earning assets | 1.1440% | 3,196 |
| Net interest margin | 3.9579% | 2,878 |
| Noninterest income to average assets | 0.7564% | 2,233 |
| Noninterest expense to average assets | 4.1427% | 877 |
| Loan and lease loss provision to assets | 3.7447% | 115 |
| Net operating income to assets | -2.6613% | 7,365 |
| Return on assets (ROA) | -2.6613% | 7,366 |
| Pretax return on assets | -3.3769% | 7,405 |
| Return on Equity (ROE) | -48.2219% | 7,409 |
| Retained earnings to average equity (ytd only) | -49.8578% | 7,405 |
| Net charge-offs to loans | 2.9901% | 365 |
| Credit loss provision to net charge-offs | 152.9570% | 1,874 |
| Earnings coverage of net charge-offs (x) | 0.1502% | 4,489 |
| Efficiency ratio | 91.3829% | 1,214 |
| Assets per employee ($millions) | 5.9129% | 1,258 |
| Cash dividends to net income (ytd only)* | -3.3926% | 7,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2273% | 757 |
| Loan loss allowance to noncurrent loans | 24.5088% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 10.9886% | 333 |
| Noncurrent loans to loans | 13.1681% | 221 |
| Net loans and leases to total assets | 80.1712% | 497 |
| Net loans and leases to deposits | 100.9052% | 423 |
| Net loans and leases to core deposits | 125.9157% | 315 |
| Total domestic deposits to total assets | 79.4520% | 6,069 |
| Equity capital to assets | 5.3660% | 7,350 |
| Core capital (leverage) ratio | 5.4003% | 7,320 |
| Tier 1 risk-based capital ratio | 7.3856% | 7,336 |
| Total risk-based capital ratio | 9.6289% | 7,269 |
| Memoranda: | ||
| Average total assets | $726,575,500 | 921 |
| Average earning assets | $689,147,500 | 888 |
| Average equity | $40,098,000 | 1,665 |
| Average total loans | $594,902,000 | 728 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 3,258 |
| Cost of funding earning assets | 1.3271% | 3,704 |
| Net interest margin | 3.9449% | 3,282 |
| Noninterest income to average assets | 0.8185% | 2,191 |
| Noninterest expense to average assets | 3.7603% | 1,561 |
| Loan and lease loss provision to assets | 3.1741% | 279 |
| Net operating income to assets | -4.2197% | 7,467 |
| Return on assets (ROA) | -4.1200% | 7,461 |
| Pretax return on assets | -2.4253% | 7,141 |
| Return on Equity (ROE) | -51.1370% | 7,429 |
| Retained earnings to average equity (ytd only) | -53.6617% | 7,437 |
| Net charge-offs to loans | 2.6726% | 682 |
| Credit loss provision to net charge-offs | 144.4399% | 2,575 |
| Earnings coverage of net charge-offs (x) | 0.2954% | 5,813 |
| Efficiency ratio | 84.8387% | 1,818 |
| Assets per employee ($millions) | 5.9968% | 1,212 |
| Cash dividends to net income (ytd only)* | -4.9370% | 7,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7599% | 1,103 |
| Loan loss allowance to noncurrent loans | 18.4295% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 12.1233% | 273 |
| Noncurrent loans to loans | 14.9754% | 164 |
| Net loans and leases to total assets | 78.7203% | 846 |
| Net loans and leases to deposits | 98.8450% | 651 |
| Net loans and leases to core deposits | 139.6821% | 231 |
| Total domestic deposits to total assets | 79.6401% | 5,928 |
| Equity capital to assets | 5.6646% | 7,382 |
| Core capital (leverage) ratio | 6.3607% | 7,226 |
| Tier 1 risk-based capital ratio | 8.6368% | 7,294 |
| Total risk-based capital ratio | 10.8215% | 7,128 |
| Memoranda: | ||
| Average total assets | $783,659,800 | 863 |
| Average earning assets | $713,351,000 | 859 |
| Average equity | $63,138,200 | 1,059 |
| Average total loans | $644,347,000 | 681 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3845% | 2,951 |
| Cost of funding earning assets | 1.3503% | 3,897 |
| Net interest margin | 4.0342% | 2,939 |
| Noninterest income to average assets | 0.7993% | 2,237 |
| Noninterest expense to average assets | 3.7114% | 1,544 |
| Loan and lease loss provision to assets | 3.1300% | 265 |
| Net operating income to assets | -4.2418% | 7,588 |
| Return on assets (ROA) | -4.1107% | 7,592 |
| Pretax return on assets | -2.2689% | 7,266 |
| Return on Equity (ROE) | -47.7040% | 7,545 |
| Retained earnings to average equity (ytd only) | -50.7140% | 7,561 |
| Net charge-offs to loans | 2.8468% | 565 |
| Credit loss provision to net charge-offs | 133.2380% | 3,035 |
| Earnings coverage of net charge-offs (x) | 0.3108% | 5,718 |
| Efficiency ratio | 83.1310% | 1,936 |
| Assets per employee ($millions) | 5.7172% | 1,447 |
| Cash dividends to net income (ytd only)* | -6.3098% | 7,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,805 |
| Loan loss allowance to noncurrent loans | 17.0645% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 10.5709% | 360 |
| Noncurrent loans to loans | 12.8988% | 230 |
| Net loans and leases to total assets | 80.1296% | 729 |
| Net loans and leases to deposits | 100.4133% | 625 |
| Net loans and leases to core deposits | 148.7919% | 196 |
| Total domestic deposits to total assets | 79.7998% | 5,771 |
| Equity capital to assets | 6.4240% | 7,435 |
| Core capital (leverage) ratio | 6.4275% | 7,351 |
| Tier 1 risk-based capital ratio | 8.5986% | 7,422 |
| Total risk-based capital ratio | 10.7496% | 7,252 |
| Memoranda: | ||
| Average total assets | $793,673,750 | 857 |
| Average earning assets | $716,551,000 | 857 |
| Average equity | $68,392,250 | 977 |
| Average total loans | $654,938,500 | 670 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4340% | 2,825 |
| Cost of funding earning assets | 1.3598% | 4,127 |
| Net interest margin | 4.0742% | 2,684 |
| Noninterest income to average assets | 0.8202% | 2,018 |
| Noninterest expense to average assets | 3.6314% | 1,703 |
| Loan and lease loss provision to assets | 2.6784% | 400 |
| Net operating income to assets | -1.0131% | 6,952 |
| Return on assets (ROA) | -1.0066% | 6,968 |
| Pretax return on assets | -1.8456% | 7,190 |
| Return on Equity (ROE) | -10.8224% | 6,991 |
| Retained earnings to average equity (ytd only) | -14.6209% | 7,094 |
| Net charge-offs to loans | 3.0542% | 513 |
| Credit loss provision to net charge-offs | 106.0365% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.3257% | 5,403 |
| Efficiency ratio | 81.1077% | 2,286 |
| Assets per employee ($millions) | 5.9525% | 1,264 |
| Cash dividends to net income (ytd only)* | -35.0985% | 7,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 3,985 |
| Loan loss allowance to noncurrent loans | 11.0335% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 10.8026% | 341 |
| Noncurrent loans to loans | 13.4950% | 214 |
| Net loans and leases to total assets | 78.8562% | 983 |
| Net loans and leases to deposits | 102.3524% | 576 |
| Net loans and leases to core deposits | 152.8394% | 202 |
| Total domestic deposits to total assets | 77.0439% | 6,496 |
| Equity capital to assets | 8.9910% | 5,464 |
| Core capital (leverage) ratio | 7.0112% | 7,190 |
| Tier 1 risk-based capital ratio | 8.7819% | 7,450 |
| Total risk-based capital ratio | 10.8318% | 7,230 |
| Memoranda: | ||
| Average total assets | $806,676,330 | 847 |
| Average earning assets | $719,500,330 | 857 |
| Average equity | $75,029,670 | 873 |
| Average total loans | $667,144,330 | 655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 2,731 |
| Cost of funding earning assets | 1.3428% | 4,545 |
| Net interest margin | 4.1281% | 2,327 |
| Noninterest income to average assets | 0.7483% | 2,309 |
| Noninterest expense to average assets | 3.7035% | 1,511 |
| Loan and lease loss provision to assets | 2.2543% | 474 |
| Net operating income to assets | -0.9433% | 7,079 |
| Return on assets (ROA) | -0.9379% | 7,096 |
| Pretax return on assets | -1.4763% | 7,251 |
| Return on Equity (ROE) | -9.9190% | 7,136 |
| Retained earnings to average equity (ytd only) | -13.4522% | 7,144 |
| Net charge-offs to loans | 3.1430% | 479 |
| Credit loss provision to net charge-offs | 85.3636% | 3,768 |
| Earnings coverage of net charge-offs (x) | 0.2914% | 4,784 |
| Efficiency ratio | 82.3744% | 2,227 |
| Assets per employee ($millions) | 5.8338% | 1,379 |
| Cash dividends to net income (ytd only)* | -35.6201% | 7,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,365 |
| Loan loss allowance to noncurrent loans | 16.7041% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 6.0924% | 973 |
| Noncurrent loans to loans | 7.3331% | 790 |
| Net loans and leases to total assets | 81.9529% | 602 |
| Net loans and leases to deposits | 108.7383% | 321 |
| Net loans and leases to core deposits | 163.6548% | 173 |
| Total domestic deposits to total assets | 75.3671% | 6,853 |
| Equity capital to assets | 9.2925% | 4,845 |
| Core capital (leverage) ratio | 7.8756% | 6,409 |
| Tier 1 risk-based capital ratio | 9.6437% | 7,230 |
| Total risk-based capital ratio | 11.6664% | 6,703 |
| Memoranda: | ||
| Average total assets | $808,218,000 | 860 |
| Average earning assets | $729,241,000 | 860 |
| Average equity | $76,419,000 | 864 |
| Average total loans | $679,086,000 | 668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5731% | 3,742 |
| Cost of funding earning assets | 1.5239% | 5,409 |
| Net interest margin | 4.0493% | 2,655 |
| Noninterest income to average assets | 0.6477% | 3,313 |
| Noninterest expense to average assets | 3.7331% | 1,836 |
| Loan and lease loss provision to assets | 0.6472% | 3,215 |
| Net operating income to assets | 0.3165% | 4,467 |
| Return on assets (ROA) | 0.3721% | 4,342 |
| Pretax return on assets | 0.0097% | 5,420 |
| Return on Equity (ROE) | 4.0386% | 4,078 |
| Retained earnings to average equity (ytd only) | 0.4803% | 4,638 |
| Net charge-offs to loans | 0.2620% | 4,986 |
| Credit loss provision to net charge-offs | 294.6953% | 1,135 |
| Earnings coverage of net charge-offs (x) | 2.7381% | 3,729 |
| Efficiency ratio | 85.6918% | 2,148 |
| Assets per employee ($millions) | 5.8372% | 1,365 |
| Cash dividends to net income (ytd only)* | 88.1079% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,775 |
| Loan loss allowance to noncurrent loans | 27.0445% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 4.0877% | 1,616 |
| Noncurrent loans to loans | 4.8011% | 1,438 |
| Net loans and leases to total assets | 83.9633% | 435 |
| Net loans and leases to deposits | 115.6405% | 241 |
| Net loans and leases to core deposits | 152.1093% | 462 |
| Total domestic deposits to total assets | 72.6072% | 7,195 |
| Equity capital to assets | 9.6167% | 4,252 |
| Core capital (leverage) ratio | 8.4728% | 5,318 |
| Tier 1 risk-based capital ratio | 10.1004% | 6,789 |
| Total risk-based capital ratio | 11.3515% | 6,752 |
| Memoranda: | ||
| Average total assets | $806,872,600 | 848 |
| Average earning assets | $734,629,600 | 847 |
| Average equity | $74,333,200 | 872 |
| Average total loans | $676,330,000 | 689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 3,960 |
| Cost of funding earning assets | 1.5667% | 5,556 |
| Net interest margin | 4.0151% | 2,747 |
| Noninterest income to average assets | 0.4592% | 4,827 |
| Noninterest expense to average assets | 3.5489% | 2,147 |
| Loan and lease loss provision to assets | 0.6513% | 2,800 |
| Net operating income to assets | 0.2940% | 4,811 |
| Return on assets (ROA) | 0.2942% | 4,922 |
| Pretax return on assets | -0.0895% | 5,833 |
| Return on Equity (ROE) | 3.2293% | 4,688 |
| Retained earnings to average equity (ytd only) | -0.4032% | 5,318 |
| Net charge-offs to loans | 0.2626% | 4,405 |
| Credit loss provision to net charge-offs | 297.0566% | 1,393 |
| Earnings coverage of net charge-offs (x) | 2.5608% | 3,944 |
| Efficiency ratio | 85.8816% | 2,074 |
| Assets per employee ($millions) | 5.7380% | 1,394 |
| Cash dividends to net income (ytd only)* | 112.4858% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,218 |
| Loan loss allowance to noncurrent loans | 30.2916% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 3.3228% | 2,033 |
| Noncurrent loans to loans | 3.8981% | 1,890 |
| Net loans and leases to total assets | 84.0250% | 538 |
| Net loans and leases to deposits | 111.4719% | 414 |
| Net loans and leases to core deposits | 156.8746% | 447 |
| Total domestic deposits to total assets | 75.3778% | 6,700 |
| Equity capital to assets | 9.6522% | 4,551 |
| Core capital (leverage) ratio | 8.5958% | 5,308 |
| Tier 1 risk-based capital ratio | 10.3061% | 6,673 |
| Total risk-based capital ratio | 11.5243% | 6,655 |
| Memoranda: | ||
| Average total assets | $805,748,500 | 859 |
| Average earning assets | $732,714,750 | 862 |
| Average equity | $73,409,750 | 897 |
| Average total loans | $672,859,000 | 710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 4,633 |
| Cost of funding earning assets | 1.6499% | 5,514 |
| Net interest margin | 3.8503% | 3,341 |
| Noninterest income to average assets | 0.4290% | 5,043 |
| Noninterest expense to average assets | 3.6503% | 1,945 |
| Loan and lease loss provision to assets | 0.6515% | 2,479 |
| Net operating income to assets | 0.1593% | 5,395 |
| Return on assets (ROA) | 0.1596% | 5,484 |
| Pretax return on assets | -0.3873% | 6,309 |
| Return on Equity (ROE) | 1.7871% | 5,376 |
| Retained earnings to average equity (ytd only) | -3.7802% | 6,095 |
| Net charge-offs to loans | 0.2285% | 4,069 |
| Credit loss provision to net charge-offs | 343.5125% | 1,347 |
| Earnings coverage of net charge-offs (x) | 1.3906% | 4,487 |
| Efficiency ratio | 92.7796% | 1,585 |
| Assets per employee ($millions) | 5.4401% | 1,632 |
| Cash dividends to net income (ytd only)* | 311.5265% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 5,722 |
| Loan loss allowance to noncurrent loans | 29.3707% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 3.1157% | 2,019 |
| Noncurrent loans to loans | 3.6824% | 1,891 |
| Net loans and leases to total assets | 83.1594% | 765 |
| Net loans and leases to deposits | 110.4384% | 535 |
| Net loans and leases to core deposits | 155.4889% | 536 |
| Total domestic deposits to total assets | 75.2994% | 6,698 |
| Equity capital to assets | 9.4049% | 4,743 |
| Core capital (leverage) ratio | 9.3946% | 4,030 |
| Tier 1 risk-based capital ratio | 11.3951% | 5,503 |
| Total risk-based capital ratio | 12.4981% | 5,556 |
| Memoranda: | ||
| Average total assets | $804,645,670 | 876 |
| Average earning assets | $728,303,670 | 879 |
| Average equity | $71,849,000 | 936 |
| Average total loans | $667,834,330 | 740 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 4,630 |
| Cost of funding earning assets | 1.7378% | 5,436 |
| Net interest margin | 3.8139% | 3,392 |
| Noninterest income to average assets | 0.3248% | 5,856 |
| Noninterest expense to average assets | 3.8499% | 1,381 |
| Loan and lease loss provision to assets | 0.9645% | 1,345 |
| Net operating income to assets | -0.1398% | 6,468 |
| Return on assets (ROA) | -0.1392% | 6,571 |
| Pretax return on assets | -1.0623% | 7,179 |
| Return on Equity (ROE) | -1.6021% | 6,618 |
| Retained earnings to average equity (ytd only) | -1.6021% | 6,017 |
| Net charge-offs to loans | 0.2396% | 3,206 |
| Credit loss provision to net charge-offs | 488.1313% | 1,107 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,249 |
| Efficiency ratio | 102.1282% | 1,045 |
| Assets per employee ($millions) | 5.8044% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 5,732 |
| Loan loss allowance to noncurrent loans | 27.3992% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 3.2232% | 1,714 |
| Noncurrent loans to loans | 3.8802% | 1,576 |
| Net loans and leases to total assets | 80.7258% | 1,251 |
| Net loans and leases to deposits | 107.8459% | 735 |
| Net loans and leases to core deposits | 155.4315% | 574 |
| Total domestic deposits to total assets | 74.8529% | 6,735 |
| Equity capital to assets | 9.5451% | 4,614 |
| Core capital (leverage) ratio | 9.5036% | 3,983 |
| Tier 1 risk-based capital ratio | 11.6975% | 5,210 |
| Total risk-based capital ratio | 12.7660% | 5,291 |
| Memoranda: | ||
| Average total assets | $801,683,000 | 878 |
| Average earning assets | $720,207,500 | 888 |
| Average equity | $69,657,000 | 967 |
| Average total loans | $661,033,500 | 753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3486% | 3,699 |
| Cost of funding earning assets | 2.5563% | 3,919 |
| Net interest margin | 3.7922% | 4,055 |
| Noninterest income to average assets | 0.6693% | 3,336 |
| Noninterest expense to average assets | 4.6527% | 793 |
| Loan and lease loss provision to assets | 0.0968% | 6,151 |
| Net operating income to assets | -0.3931% | 6,818 |
| Return on assets (ROA) | -0.3502% | 6,647 |
| Pretax return on assets | -0.6456% | 6,770 |
| Return on Equity (ROE) | -4.1097% | 6,762 |
| Retained earnings to average equity (ytd only) | -8.8318% | 6,956 |
| Net charge-offs to loans | 0.1261% | 4,979 |
| Credit loss provision to net charge-offs | 92.6594% | 5,607 |
| Earnings coverage of net charge-offs (x) | -5.8929% | 6,852 |
| Efficiency ratio | 94.9383% | 1,224 |
| Assets per employee ($millions) | 5.1347% | 1,795 |
| Cash dividends to net income (ytd only)* | -114.9013% | 8,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 6,952 |
| Loan loss allowance to noncurrent loans | 40.1925% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 1.8114% | 2,716 |
| Noncurrent loans to loans | 2.0809% | 2,660 |
| Net loans and leases to total assets | 82.6450% | 1,112 |
| Net loans and leases to deposits | 104.9712% | 1,238 |
| Net loans and leases to core deposits | 165.0478% | 491 |
| Total domestic deposits to total assets | 78.7311% | 5,471 |
| Equity capital to assets | 7.8089% | 7,084 |
| Core capital (leverage) ratio | 7.7083% | 6,913 |
| Tier 1 risk-based capital ratio | 9.5359% | 7,270 |
| Total risk-based capital ratio | 10.3992% | 7,633 |
| Memoranda: | ||
| Average total assets | $795,263,000 | 850 |
| Average earning assets | $706,206,400 | 865 |
| Average equity | $67,766,800 | 987 |
| Average total loans | $659,072,000 | 718 |