Home > Cecil Bank > Performance and Condition Ratios
Cecil Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 2,074 |
| Cost of funding earning assets | 2.0855% | 1,698 |
| Net interest margin | 3.4276% | 2,494 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 2.7315% | 1,675 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.4167% | 3,702 |
| Return on assets (ROA) | 0.4167% | 3,729 |
| Pretax return on assets | 0.5752% | 3,615 |
| Return on Equity (ROE) | 3.2900% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.2854% | 3,019 |
| Net charge-offs to loans | 0.0550% | 1,122 |
| Credit loss provision to net charge-offs | 217.3913% | 865 |
| Earnings coverage of net charge-offs (x) | 16.2174% | 1,507 |
| Efficiency ratio | 80.4405% | 921 |
| Assets per employee ($millions) | 7.0550% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 2,816 |
| Loan loss allowance to noncurrent loans | 108.2076% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 1,033 |
| Noncurrent loans to loans | 0.9986% | 1,068 |
| Net loans and leases to total assets | 72.7000% | 1,503 |
| Net loans and leases to deposits | 84.9532% | 1,599 |
| Net loans and leases to core deposits | 101.5303% | 1,278 |
| Total domestic deposits to total assets | 85.5800% | 2,447 |
| Equity capital to assets | 12.7086% | 1,000 |
| Core capital (leverage) ratio | 10.2066% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4773% | 2,050 |
| Memoranda: | ||
| Average total assets | $224,637,000 | 2,870 |
| Average earning assets | $207,142,000 | 2,866 |
| Average equity | $28,489,500 | 2,504 |
| Average total loans | $167,211,500 | 2,631 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6608% | 1,825 |
| Cost of funding earning assets | 2.1417% | 1,871 |
| Net interest margin | 3.5191% | 2,038 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.8439% | 1,423 |
| Loan and lease loss provision to assets | 0.5300% | 189 |
| Net operating income to assets | 0.0859% | 4,106 |
| Return on assets (ROA) | 0.0859% | 4,131 |
| Pretax return on assets | 0.1181% | 4,108 |
| Return on Equity (ROE) | 0.7000% | 4,133 |
| Retained earnings to average equity (ytd only) | 0.7028% | 3,752 |
| Net charge-offs to loans | 0.6308% | 239 |
| Credit loss provision to net charge-offs | 99.1848% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.3460% | 2,913 |
| Efficiency ratio | 81.4459% | 955 |
| Assets per employee ($millions) | 6.9848% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 2,962 |
| Loan loss allowance to noncurrent loans | 98.1111% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 897 |
| Noncurrent loans to loans | 1.0683% | 948 |
| Net loans and leases to total assets | 74.5900% | 1,332 |
| Net loans and leases to deposits | 87.1870% | 1,478 |
| Net loans and leases to core deposits | 103.6421% | 1,241 |
| Total domestic deposits to total assets | 85.5600% | 2,350 |
| Equity capital to assets | 12.6561% | 984 |
| Core capital (leverage) ratio | 9.8240% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0094% | 2,211 |
| Memoranda: | ||
| Average total assets | $229,371,200 | 2,823 |
| Average earning assets | $210,251,800 | 2,826 |
| Average equity | $28,031,600 | 2,464 |
| Average total loans | $175,009,200 | 2,537 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 1,869 |
| Cost of funding earning assets | 2.1060% | 1,966 |
| Net interest margin | 3.5111% | 1,998 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 3.1606% | 884 |
| Loan and lease loss provision to assets | 0.4200% | 237 |
| Net operating income to assets | -0.0658% | 4,267 |
| Return on assets (ROA) | -0.0658% | 4,281 |
| Pretax return on assets | -0.0913% | 4,282 |
| Return on Equity (ROE) | -0.5400% | 4,264 |
| Retained earnings to average equity (ytd only) | -0.5435% | 4,082 |
| Net charge-offs to loans | 0.4333% | 310 |
| Credit loss provision to net charge-offs | 105.4007% | 1,607 |
| Earnings coverage of net charge-offs (x) | 0.9878% | 2,703 |
| Efficiency ratio | 90.6110% | 512 |
| Assets per employee ($millions) | 7.1418% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 2,975 |
| Loan loss allowance to noncurrent loans | 107.0581% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 961 |
| Noncurrent loans to loans | 0.9867% | 1,016 |
| Net loans and leases to total assets | 73.9800% | 1,366 |
| Net loans and leases to deposits | 87.9573% | 1,436 |
| Net loans and leases to core deposits | 103.0838% | 1,286 |
| Total domestic deposits to total assets | 84.1100% | 2,565 |
| Equity capital to assets | 12.4404% | 1,124 |
| Core capital (leverage) ratio | 9.7146% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7065% | 2,344 |
| Memoranda: | ||
| Average total assets | $230,835,750 | 2,798 |
| Average earning assets | $211,326,500 | 2,821 |
| Average equity | $27,967,500 | 2,469 |
| Average total loans | $176,638,500 | 2,525 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 2,069 |
| Cost of funding earning assets | 2.0823% | 1,922 |
| Net interest margin | 3.3633% | 2,270 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 3.3834% | 659 |
| Loan and lease loss provision to assets | 0.4200% | 220 |
| Net operating income to assets | -0.3584% | 4,381 |
| Return on assets (ROA) | -0.3584% | 4,408 |
| Pretax return on assets | -0.4948% | 4,418 |
| Return on Equity (ROE) | -2.9800% | 4,374 |
| Retained earnings to average equity (ytd only) | -2.9842% | 4,214 |
| Net charge-offs to loans | 0.4066% | 298 |
| Credit loss provision to net charge-offs | 112.9477% | 1,392 |
| Earnings coverage of net charge-offs (x) | -0.2287% | 4,480 |
| Efficiency ratio | 102.1643% | 251 |
| Assets per employee ($millions) | 7.8534% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,045 |
| Loan loss allowance to noncurrent loans | 120.9025% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 1,017 |
| Noncurrent loans to loans | 0.8657% | 1,091 |
| Net loans and leases to total assets | 75.6400% | 1,216 |
| Net loans and leases to deposits | 90.3067% | 1,283 |
| Net loans and leases to core deposits | 107.6961% | 1,062 |
| Total domestic deposits to total assets | 83.7500% | 2,678 |
| Equity capital to assets | 12.1015% | 1,137 |
| Core capital (leverage) ratio | 9.3994% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3136% | 2,487 |
| Memoranda: | ||
| Average total assets | $231,602,000 | 2,790 |
| Average earning assets | $211,400,333 | 2,815 |
| Average equity | $27,813,000 | 2,441 |
| Average total loans | $178,557,667 | 2,512 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 2,057 |
| Cost of funding earning assets | 1.3192% | 2,464 |
| Net interest margin | 3.6889% | 1,784 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8674% | 1,342 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 0.2587% | 4,085 |
| Return on assets (ROA) | 0.2587% | 4,090 |
| Pretax return on assets | 0.3571% | 4,024 |
| Return on Equity (ROE) | 2.1600% | 4,136 |
| Retained earnings to average equity (ytd only) | 2.1556% | 3,547 |
| Net charge-offs to loans | 1.0358% | 100 |
| Credit loss provision to net charge-offs | 47.3044% | 2,205 |
| Earnings coverage of net charge-offs (x) | 1.0137% | 2,784 |
| Efficiency ratio | 77.6118% | 1,105 |
| Assets per employee ($millions) | 7.4583% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,414 |
| Loan loss allowance to noncurrent loans | 68.1120% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 406 |
| Noncurrent loans to loans | 1.4375% | 485 |
| Net loans and leases to total assets | 77.6400% | 898 |
| Net loans and leases to deposits | 92.0187% | 1,093 |
| Net loans and leases to core deposits | 113.6578% | 823 |
| Total domestic deposits to total assets | 84.3700% | 2,512 |
| Equity capital to assets | 12.1130% | 1,092 |
| Core capital (leverage) ratio | 9.6718% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9419% | 2,600 |
| Memoranda: | ||
| Average total assets | $231,886,000 | 2,780 |
| Average earning assets | $210,660,400 | 2,802 |
| Average equity | $27,834,000 | 2,371 |
| Average total loans | $182,665,600 | 2,425 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 2,116 |
| Cost of funding earning assets | 1.1976% | 2,434 |
| Net interest margin | 3.6765% | 1,832 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.9527% | 1,137 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 0.3384% | 4,073 |
| Return on assets (ROA) | 0.3384% | 4,075 |
| Pretax return on assets | 0.4671% | 3,961 |
| Return on Equity (ROE) | 2.8300% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.8258% | 3,548 |
| Net charge-offs to loans | 0.9012% | 100 |
| Credit loss provision to net charge-offs | 26.2732% | 1,985 |
| Earnings coverage of net charge-offs (x) | 1.0776% | 2,548 |
| Efficiency ratio | 79.4036% | 897 |
| Assets per employee ($millions) | 8.1582% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,360 |
| Loan loss allowance to noncurrent loans | 88.3610% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 581 |
| Noncurrent loans to loans | 1.1333% | 695 |
| Net loans and leases to total assets | 80.5000% | 590 |
| Net loans and leases to deposits | 92.4894% | 1,013 |
| Net loans and leases to core deposits | 112.3267% | 783 |
| Total domestic deposits to total assets | 87.0300% | 1,887 |
| Equity capital to assets | 12.0992% | 1,016 |
| Core capital (leverage) ratio | 9.9959% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1675% | 2,567 |
| Memoranda: | ||
| Average total assets | $232,055,750 | 2,796 |
| Average earning assets | $210,519,750 | 2,815 |
| Average equity | $27,791,000 | 2,363 |
| Average total loans | $183,010,750 | 2,418 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 2,092 |
| Cost of funding earning assets | 1.1248% | 2,208 |
| Net interest margin | 3.6310% | 1,969 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 3.0292% | 997 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.3764% | 4,041 |
| Return on assets (ROA) | 0.3764% | 4,056 |
| Pretax return on assets | 0.5187% | 3,932 |
| Return on Equity (ROE) | 3.1500% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,432 |
| Net charge-offs to loans | 0.7809% | 109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.1041% | 2,382 |
| Efficiency ratio | 81.8203% | 721 |
| Assets per employee ($millions) | 7.3094% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,717 |
| Loan loss allowance to noncurrent loans | 100.0486% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 520 |
| Noncurrent loans to loans | 1.1482% | 615 |
| Net loans and leases to total assets | 78.2300% | 810 |
| Net loans and leases to deposits | 89.9956% | 1,188 |
| Net loans and leases to core deposits | 107.2882% | 936 |
| Total domestic deposits to total assets | 86.9300% | 1,950 |
| Equity capital to assets | 12.2569% | 984 |
| Core capital (leverage) ratio | 9.5679% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5515% | 2,446 |
| Memoranda: | ||
| Average total assets | $233,264,667 | 2,795 |
| Average earning assets | $211,235,333 | 2,818 |
| Average equity | $27,842,000 | 2,367 |
| Average total loans | $182,100,667 | 2,420 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 2,049 |
| Cost of funding earning assets | 0.9979% | 2,059 |
| Net interest margin | 3.6171% | 2,089 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.8656% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4869% | 3,930 |
| Return on assets (ROA) | 0.4869% | 3,893 |
| Pretax return on assets | 0.6712% | 3,717 |
| Return on Equity (ROE) | 4.1300% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.1325% | 3,235 |
| Net charge-offs to loans | 0.7368% | 103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.1746% | 1,984 |
| Efficiency ratio | 81.0229% | 763 |
| Assets per employee ($millions) | 7.5995% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 1,846 |
| Loan loss allowance to noncurrent loans | 102.8740% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 395 |
| Noncurrent loans to loans | 1.3054% | 517 |
| Net loans and leases to total assets | 75.9000% | 982 |
| Net loans and leases to deposits | 86.7136% | 1,303 |
| Net loans and leases to core deposits | 105.5409% | 857 |
| Total domestic deposits to total assets | 87.5400% | 2,075 |
| Equity capital to assets | 11.7156% | 1,085 |
| Core capital (leverage) ratio | 9.4665% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2700% | 2,643 |
| Memoranda: | ||
| Average total assets | $236,601,500 | 2,813 |
| Average earning assets | $213,654,500 | 2,833 |
| Average equity | $27,876,500 | 2,394 |
| Average total loans | $183,487,000 | 2,430 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 1,858 |
| Cost of funding earning assets | 0.5464% | 1,127 |
| Net interest margin | 3.4033% | 2,247 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 3.0215% | 941 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 4.3580% | 71 |
| Return on assets (ROA) | 4.3580% | 69 |
| Pretax return on assets | 0.6067% | 4,017 |
| Return on Equity (ROE) | 46.5900% | 35 |
| Retained earnings to average equity (ytd only) | 46.5905% | 13 |
| Net charge-offs to loans | 0.3831% | 195 |
| Credit loss provision to net charge-offs | 118.3673% | 1,469 |
| Earnings coverage of net charge-offs (x) | 3.2828% | 2,471 |
| Efficiency ratio | 76.1010% | 998 |
| Assets per employee ($millions) | 7.2006% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 3,857 |
| Loan loss allowance to noncurrent loans | 120.1481% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 735 |
| Noncurrent loans to loans | 0.7269% | 1,033 |
| Net loans and leases to total assets | 77.4800% | 847 |
| Net loans and leases to deposits | 88.6075% | 1,135 |
| Net loans and leases to core deposits | 107.0212% | 711 |
| Total domestic deposits to total assets | 87.4400% | 2,253 |
| Equity capital to assets | 11.8479% | 975 |
| Core capital (leverage) ratio | 9.0794% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9966% | 2,736 |
| Memoranda: | ||
| Average total assets | $237,331,200 | 2,804 |
| Average earning assets | $217,966,200 | 2,812 |
| Average equity | $22,199,800 | 2,756 |
| Average total loans | $179,080,800 | 2,383 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 1,828 |
| Cost of funding earning assets | 0.5313% | 634 |
| Net interest margin | 3.2415% | 2,493 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 3.1135% | 767 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 5.7804% | 59 |
| Return on assets (ROA) | 5.7804% | 58 |
| Pretax return on assets | 0.5584% | 4,054 |
| Return on Equity (ROE) | 66.0200% | 17 |
| Retained earnings to average equity (ytd only) | 66.0201% | 7 |
| Net charge-offs to loans | 0.0376% | 1,122 |
| Credit loss provision to net charge-offs | 1,318.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 33.0600% | 1,478 |
| Efficiency ratio | 77.0257% | 998 |
| Assets per employee ($millions) | 7.8230% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 2,860 |
| Loan loss allowance to noncurrent loans | 102.0359% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 259 |
| Noncurrent loans to loans | 1.1121% | 669 |
| Net loans and leases to total assets | 75.6300% | 947 |
| Net loans and leases to deposits | 86.2085% | 1,160 |
| Net loans and leases to core deposits | 97.3848% | 929 |
| Total domestic deposits to total assets | 87.7200% | 2,512 |
| Equity capital to assets | 11.5545% | 984 |
| Core capital (leverage) ratio | 9.1988% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1449% | 2,775 |
| Memoranda: | ||
| Average total assets | $237,326,500 | 2,819 |
| Average earning assets | $218,820,500 | 2,829 |
| Average equity | $20,779,000 | 2,925 |
| Average total loans | $177,420,750 | 2,397 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 2,123 |
| Cost of funding earning assets | 0.5495% | 393 |
| Net interest margin | 2.9573% | 3,015 |
| Noninterest income to average assets | 1.3684% | 385 |
| Noninterest expense to average assets | 3.2785% | 568 |
| Loan and lease loss provision to assets | 0.3548% | 170 |
| Net operating income to assets | 0.4856% | 3,933 |
| Return on assets (ROA) | 0.4856% | 3,884 |
| Pretax return on assets | 0.4856% | 4,025 |
| Return on Equity (ROE) | 6.2292% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.2292% | 2,266 |
| Net charge-offs to loans | -0.0538% | 4,264 |
| Credit loss provision to net charge-offs | -889.3617% | 3,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5960% | 979 |
| Assets per employee ($millions) | 7.4392% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,347 |
| Loan loss allowance to noncurrent loans | 116.4489% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2735% | 319 |
| Noncurrent loans to loans | 0.9059% | 926 |
| Net loans and leases to total assets | 79.7538% | 427 |
| Net loans and leases to deposits | 87.0474% | 904 |
| Net loans and leases to core deposits | 99.5190% | 690 |
| Total domestic deposits to total assets | 91.6211% | 995 |
| Equity capital to assets | 7.6070% | 3,403 |
| Core capital (leverage) ratio | 8.4447% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4572% | 2,938 |
| Memoranda: | ||
| Average total assets | $235,598,000 | 2,856 |
| Average earning assets | $219,119,667 | 2,855 |
| Average equity | $18,365,000 | 3,197 |
| Average total loans | $174,726,000 | 2,424 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 2,420 |
| Cost of funding earning assets | 0.5891% | 281 |
| Net interest margin | 2.6992% | 3,399 |
| Noninterest income to average assets | 1.4112% | 380 |
| Noninterest expense to average assets | 2.8292% | 1,101 |
| Loan and lease loss provision to assets | 0.5595% | 81 |
| Net operating income to assets | 0.5242% | 3,642 |
| Return on assets (ROA) | 0.5242% | 3,607 |
| Pretax return on assets | 0.5242% | 3,823 |
| Return on Equity (ROE) | 6.6468% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.6468% | 2,011 |
| Net charge-offs to loans | -0.1963% | 4,598 |
| Credit loss provision to net charge-offs | -401.2048% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3057% | 1,936 |
| Assets per employee ($millions) | 8.5670% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,361 |
| Loan loss allowance to noncurrent loans | 167.0455% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 199 |
| Noncurrent loans to loans | 0.6530% | 1,446 |
| Net loans and leases to total assets | 72.2415% | 811 |
| Net loans and leases to deposits | 78.8194% | 1,222 |
| Net loans and leases to core deposits | 90.6011% | 897 |
| Total domestic deposits to total assets | 91.6544% | 722 |
| Equity capital to assets | 7.7415% | 3,771 |
| Core capital (leverage) ratio | 8.2927% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7174% | 2,949 |
| Memoranda: | ||
| Average total assets | $238,089,000 | 2,857 |
| Average earning assets | $220,659,500 | 2,863 |
| Average equity | $18,776,000 | 3,250 |
| Average total loans | $169,146,000 | 2,465 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5949% | 4,415 |
| Cost of funding earning assets | 0.7249% | 289 |
| Net interest margin | 1.8700% | 4,643 |
| Noninterest income to average assets | 0.5758% | 2,256 |
| Noninterest expense to average assets | 3.2441% | 682 |
| Loan and lease loss provision to assets | 0.4176% | 154 |
| Net operating income to assets | -1.4371% | 4,807 |
| Return on assets (ROA) | -1.4366% | 4,807 |
| Pretax return on assets | -1.4366% | 4,800 |
| Return on Equity (ROE) | -19.8415% | 4,825 |
| Retained earnings to average equity (ytd only) | -19.8415% | 4,810 |
| Net charge-offs to loans | -0.0064% | 3,614 |
| Credit loss provision to net charge-offs | -12,142.8571% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.8260% | 41 |
| Assets per employee ($millions) | 7.8767% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,021 |
| Loan loss allowance to noncurrent loans | 109.6845% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 4.0228% | 42 |
| Noncurrent loans to loans | 0.8357% | 1,214 |
| Net loans and leases to total assets | 68.3854% | 1,224 |
| Net loans and leases to deposits | 74.8899% | 1,652 |
| Net loans and leases to core deposits | 86.2927% | 1,184 |
| Total domestic deposits to total assets | 91.3145% | 382 |
| Equity capital to assets | 8.0329% | 4,342 |
| Core capital (leverage) ratio | 9.3665% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1150% | 2,862 |
| Memoranda: | ||
| Average total assets | $203,538,800 | 3,036 |
| Average earning assets | $179,468,800 | 3,097 |
| Average equity | $14,736,800 | 3,665 |
| Average total loans | $109,207,200 | 3,087 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6168% | 4,489 |
| Cost of funding earning assets | 0.7893% | 255 |
| Net interest margin | 1.8275% | 4,733 |
| Noninterest income to average assets | 0.4723% | 2,744 |
| Noninterest expense to average assets | 3.7532% | 354 |
| Loan and lease loss provision to assets | 0.3414% | 216 |
| Net operating income to assets | -2.0339% | 4,888 |
| Return on assets (ROA) | -2.0339% | 4,887 |
| Pretax return on assets | -2.0339% | 4,885 |
| Return on Equity (ROE) | -29.0537% | 4,901 |
| Retained earnings to average equity (ytd only) | -29.0537% | 4,892 |
| Net charge-offs to loans | -0.0056% | 3,469 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.1464% | 25 |
| Assets per employee ($millions) | 5.9982% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 4,031 |
| Loan loss allowance to noncurrent loans | 85.2239% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 5.6463% | 19 |
| Noncurrent loans to loans | 1.1044% | 1,013 |
| Net loans and leases to total assets | 58.9370% | 2,377 |
| Net loans and leases to deposits | 65.8267% | 2,643 |
| Net loans and leases to core deposits | 71.8376% | 2,438 |
| Total domestic deposits to total assets | 89.5336% | 995 |
| Equity capital to assets | 9.4431% | 3,428 |
| Core capital (leverage) ratio | 9.5893% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8422% | 2,028 |
| Memoranda: | ||
| Average total assets | $195,348,000 | 3,139 |
| Average earning assets | $169,772,750 | 3,218 |
| Average equity | $13,675,500 | 3,821 |
| Average total loans | $95,736,250 | 3,292 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3911% | 4,678 |
| Cost of funding earning assets | 0.8282% | 255 |
| Net interest margin | 1.5628% | 4,837 |
| Noninterest income to average assets | 0.6317% | 2,079 |
| Noninterest expense to average assets | 3.5130% | 461 |
| Loan and lease loss provision to assets | 0.3637% | 204 |
| Net operating income to assets | -1.8921% | 4,919 |
| Return on assets (ROA) | -1.8921% | 4,920 |
| Pretax return on assets | -1.8921% | 4,920 |
| Return on Equity (ROE) | -30.8261% | 4,936 |
| Retained earnings to average equity (ytd only) | -30.8261% | 4,922 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.0157% | 29 |
| Assets per employee ($millions) | 5.8940% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,920 |
| Loan loss allowance to noncurrent loans | 65.8667% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 6.6534% | 17 |
| Noncurrent loans to loans | 1.4750% | 773 |
| Net loans and leases to total assets | 51.7763% | 3,366 |
| Net loans and leases to deposits | 55.5785% | 3,742 |
| Net loans and leases to core deposits | 60.6809% | 3,574 |
| Total domestic deposits to total assets | 93.1589% | 28 |
| Equity capital to assets | 5.5568% | 4,937 |
| Core capital (leverage) ratio | 5.6671% | 4,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7391% | 3,090 |
| Memoranda: | ||
| Average total assets | $192,484,667 | 3,156 |
| Average earning assets | $166,620,667 | 3,256 |
| Average equity | $11,814,667 | 4,008 |
| Average total loans | $87,202,667 | 3,439 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0071% | 4,836 |
| Cost of funding earning assets | 0.8526% | 277 |
| Net interest margin | 1.1545% | 4,916 |
| Noninterest income to average assets | 1.2075% | 845 |
| Noninterest expense to average assets | 3.5221% | 453 |
| Loan and lease loss provision to assets | 0.4178% | 179 |
| Net operating income to assets | -1.7339% | 4,952 |
| Return on assets (ROA) | -1.7339% | 4,951 |
| Pretax return on assets | -1.7339% | 4,947 |
| Return on Equity (ROE) | -26.9524% | 4,965 |
| Retained earnings to average equity (ytd only) | -26.9524% | 4,940 |
| Net charge-offs to loans | -0.0050% | 3,394 |
| Credit loss provision to net charge-offs | -20,000.0000% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.6591% | 27 |
| Assets per employee ($millions) | 6.0513% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,809 |
| Loan loss allowance to noncurrent loans | 49.5277% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 6.6985% | 17 |
| Noncurrent loans to loans | 2.0335% | 527 |
| Net loans and leases to total assets | 42.5865% | 4,193 |
| Net loans and leases to deposits | 46.0935% | 4,347 |
| Net loans and leases to core deposits | 49.6903% | 4,308 |
| Total domestic deposits to total assets | 92.3916% | 84 |
| Equity capital to assets | 6.0478% | 4,937 |
| Core capital (leverage) ratio | 6.3369% | 4,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7290% | 2,399 |
| Memoranda: | ||
| Average total assets | $191,476,000 | 3,154 |
| Average earning assets | $165,610,000 | 3,261 |
| Average equity | $12,318,000 | 3,966 |
| Average total loans | $79,957,000 | 3,560 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0586% | 4,596 |
| Cost of funding earning assets | 1.2658% | 209 |
| Net interest margin | 1.7928% | 4,884 |
| Noninterest income to average assets | 2.9669% | 199 |
| Noninterest expense to average assets | 3.8750% | 422 |
| Loan and lease loss provision to assets | -0.0395% | 4,928 |
| Net operating income to assets | 0.6445% | 3,615 |
| Return on assets (ROA) | 0.8811% | 2,916 |
| Pretax return on assets | 0.8811% | 3,424 |
| Return on Equity (ROE) | 15.2460% | 597 |
| Retained earnings to average equity (ytd only) | 15.2460% | 149 |
| Net charge-offs to loans | -0.0595% | 4,703 |
| Credit loss provision to net charge-offs | 163.0435% | 2,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4957% | 513 |
| Assets per employee ($millions) | 5.5680% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,351 |
| Loan loss allowance to noncurrent loans | 36.4155% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 6.8137% | 19 |
| Noncurrent loans to loans | 2.2869% | 464 |
| Net loans and leases to total assets | 40.1308% | 4,433 |
| Net loans and leases to deposits | 43.6365% | 4,541 |
| Net loans and leases to core deposits | 45.8486% | 4,545 |
| Total domestic deposits to total assets | 91.9661% | 75 |
| Equity capital to assets | 6.8274% | 4,930 |
| Core capital (leverage) ratio | 6.7665% | 4,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7809% | 1,603 |
| Memoranda: | ||
| Average total assets | $189,757,200 | 3,030 |
| Average earning assets | $160,140,000 | 3,167 |
| Average equity | $10,966,800 | 4,084 |
| Average total loans | $77,371,400 | 3,604 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 4,578 |
| Cost of funding earning assets | 1.3408% | 200 |
| Net interest margin | 1.8686% | 4,922 |
| Noninterest income to average assets | 1.0723% | 907 |
| Noninterest expense to average assets | 3.7330% | 497 |
| Loan and lease loss provision to assets | -0.0527% | 4,985 |
| Net operating income to assets | -1.0393% | 4,948 |
| Return on assets (ROA) | -0.7240% | 4,926 |
| Pretax return on assets | -0.7240% | 4,918 |
| Return on Equity (ROE) | -13.1202% | 4,982 |
| Retained earnings to average equity (ytd only) | -13.1202% | 4,958 |
| Net charge-offs to loans | -0.0739% | 4,767 |
| Credit loss provision to net charge-offs | 174.4186% | 2,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.3454% | 47 |
| Assets per employee ($millions) | 5.0001% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,149 |
| Loan loss allowance to noncurrent loans | 37.4483% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 9.5834% | 12 |
| Noncurrent loans to loans | 2.3315% | 468 |
| Net loans and leases to total assets | 36.9121% | 4,646 |
| Net loans and leases to deposits | 39.7831% | 4,756 |
| Net loans and leases to core deposits | 41.8075% | 4,752 |
| Total domestic deposits to total assets | 92.7832% | 17 |
| Equity capital to assets | 5.1814% | 5,020 |
| Core capital (leverage) ratio | 5.0455% | 5,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3699% | 2,470 |
| Memoranda: | ||
| Average total assets | $189,868,750 | 3,013 |
| Average earning assets | $159,402,000 | 3,157 |
| Average equity | $10,477,250 | 4,162 |
| Average total loans | $77,561,750 | 3,617 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3268% | 4,621 |
| Cost of funding earning assets | 1.4041% | 224 |
| Net interest margin | 1.9227% | 4,964 |
| Noninterest income to average assets | 0.3401% | 3,436 |
| Noninterest expense to average assets | 3.9063% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.9622% | 5,015 |
| Return on assets (ROA) | -1.4849% | 5,000 |
| Pretax return on assets | -1.4849% | 4,988 |
| Return on Equity (ROE) | -26.3543% | 5,042 |
| Retained earnings to average equity (ytd only) | -26.3543% | 5,027 |
| Net charge-offs to loans | -0.0985% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.9295% | 19 |
| Assets per employee ($millions) | 4.8863% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 3,912 |
| Loan loss allowance to noncurrent loans | 41.5194% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 9.3602% | 16 |
| Noncurrent loans to loans | 2.2183% | 570 |
| Net loans and leases to total assets | 37.8562% | 4,675 |
| Net loans and leases to deposits | 40.6490% | 4,778 |
| Net loans and leases to core deposits | 42.4270% | 4,788 |
| Total domestic deposits to total assets | 93.1296% | 13 |
| Equity capital to assets | 4.7974% | 5,053 |
| Core capital (leverage) ratio | 5.0239% | 5,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6894% | 2,738 |
| Memoranda: | ||
| Average total assets | $188,157,000 | 3,007 |
| Average earning assets | $156,969,667 | 3,163 |
| Average equity | $10,601,667 | 4,154 |
| Average total loans | $79,211,000 | 3,591 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,830 |
| Cost of funding earning assets | 1.4865% | 291 |
| Net interest margin | 2.4997% | 4,828 |
| Noninterest income to average assets | 0.3471% | 3,437 |
| Noninterest expense to average assets | 3.9810% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.5796% | 5,028 |
| Return on assets (ROA) | -1.0590% | 4,977 |
| Pretax return on assets | -1.0590% | 4,963 |
| Return on Equity (ROE) | -17.3741% | 5,047 |
| Retained earnings to average equity (ytd only) | -17.3741% | 4,931 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.7823% | 40 |
| Assets per employee ($millions) | 4.4002% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 4,223 |
| Loan loss allowance to noncurrent loans | 237.8571% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 9.3638% | 22 |
| Noncurrent loans to loans | 0.3653% | 3,182 |
| Net loans and leases to total assets | 41.1151% | 4,625 |
| Net loans and leases to deposits | 44.0916% | 4,760 |
| Net loans and leases to core deposits | 45.8921% | 4,778 |
| Total domestic deposits to total assets | 93.2492% | 8 |
| Equity capital to assets | 5.8969% | 5,103 |
| Core capital (leverage) ratio | 5.7972% | 5,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2858% | 2,575 |
| Memoranda: | ||
| Average total assets | $182,067,000 | 3,029 |
| Average earning assets | $149,618,000 | 3,201 |
| Average equity | $11,097,000 | 4,111 |
| Average total loans | $80,544,000 | 3,570 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,888 |
| Cost of funding earning assets | 1.7033% | 192 |
| Net interest margin | 2.4641% | 4,983 |
| Noninterest income to average assets | 0.7680% | 1,551 |
| Noninterest expense to average assets | 4.3246% | 364 |
| Loan and lease loss provision to assets | -0.1068% | 5,086 |
| Net operating income to assets | -1.4068% | 5,115 |
| Return on assets (ROA) | -1.4394% | 5,118 |
| Pretax return on assets | -1.4394% | 5,117 |
| Return on Equity (ROE) | -22.7718% | 5,154 |
| Retained earnings to average equity (ytd only) | -22.7718% | 5,145 |
| Net charge-offs to loans | -0.1440% | 5,012 |
| Credit loss provision to net charge-offs | 157.4803% | 1,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.8476% | 41 |
| Assets per employee ($millions) | 4.2697% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,338 |
| Loan loss allowance to noncurrent loans | 912.3288% | 614 |
| Noncurrent assets plus other real estate owned to assets | 10.0354% | 18 |
| Noncurrent loans to loans | 0.0865% | 4,176 |
| Net loans and leases to total assets | 46.7149% | 4,493 |
| Net loans and leases to deposits | 50.3419% | 4,675 |
| Net loans and leases to core deposits | 52.4624% | 4,691 |
| Total domestic deposits to total assets | 92.7952% | 14 |
| Equity capital to assets | 6.2991% | 5,163 |
| Core capital (leverage) ratio | 6.3083% | 5,161 |
| Tier 1 risk-based capital ratio | 13.1886% | 3,690 |
| Total risk-based capital ratio | 14.2793% | 3,655 |
| Memoranda: | ||
| Average total assets | $187,229,200 | 2,943 |
| Average earning assets | $155,227,200 | 3,135 |
| Average equity | $11,834,800 | 4,019 |
| Average total loans | $88,209,000 | 3,445 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 3,732 |
| Cost of funding earning assets | 1.8015% | 139 |
| Net interest margin | 2.4743% | 5,076 |
| Noninterest income to average assets | 0.8921% | 1,161 |
| Noninterest expense to average assets | 4.4466% | 315 |
| Loan and lease loss provision to assets | -0.0705% | 5,140 |
| Net operating income to assets | -1.4369% | 5,196 |
| Return on assets (ROA) | -1.4791% | 5,198 |
| Pretax return on assets | -1.4791% | 5,193 |
| Return on Equity (ROE) | -23.3811% | 5,233 |
| Retained earnings to average equity (ytd only) | -23.3811% | 5,219 |
| Net charge-offs to loans | -0.0404% | 4,783 |
| Credit loss provision to net charge-offs | 370.3704% | 815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.2827% | 39 |
| Assets per employee ($millions) | 4.1468% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 4,524 |
| Loan loss allowance to noncurrent loans | 1,168.4211% | 521 |
| Noncurrent assets plus other real estate owned to assets | 10.8029% | 13 |
| Noncurrent loans to loans | 0.0648% | 4,346 |
| Net loans and leases to total assets | 50.1476% | 4,421 |
| Net loans and leases to deposits | 54.3565% | 4,613 |
| Net loans and leases to core deposits | 56.5436% | 4,668 |
| Total domestic deposits to total assets | 92.2568% | 29 |
| Equity capital to assets | 6.7906% | 5,230 |
| Core capital (leverage) ratio | 6.2273% | 5,239 |
| Tier 1 risk-based capital ratio | 13.4296% | 3,613 |
| Total risk-based capital ratio | 14.4836% | 3,631 |
| Memoranda: | ||
| Average total assets | $189,205,000 | 2,953 |
| Average earning assets | $156,535,750 | 3,150 |
| Average equity | $11,969,500 | 4,043 |
| Average total loans | $89,151,750 | 3,455 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 4,036 |
| Cost of funding earning assets | 1.9712% | 67 |
| Net interest margin | 2.1838% | 5,212 |
| Noninterest income to average assets | 0.7867% | 1,390 |
| Noninterest expense to average assets | 3.5486% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.9536% | 5,221 |
| Return on assets (ROA) | -0.9762% | 5,225 |
| Pretax return on assets | -0.9762% | 5,221 |
| Return on Equity (ROE) | -15.7776% | 5,267 |
| Retained earnings to average equity (ytd only) | -15.7776% | 5,227 |
| Net charge-offs to loans | -0.1273% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7460% | 49 |
| Assets per employee ($millions) | 4.2179% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,078 |
| Loan loss allowance to noncurrent loans | 717.1171% | 751 |
| Noncurrent assets plus other real estate owned to assets | 11.3657% | 14 |
| Noncurrent loans to loans | 0.1259% | 4,110 |
| Net loans and leases to total assets | 45.0313% | 4,679 |
| Net loans and leases to deposits | 55.5700% | 4,612 |
| Net loans and leases to core deposits | 57.7514% | 4,655 |
| Total domestic deposits to total assets | 81.0352% | 3,800 |
| Equity capital to assets | 6.5482% | 5,287 |
| Core capital (leverage) ratio | 6.6238% | 5,274 |
| Tier 1 risk-based capital ratio | 14.0929% | 3,266 |
| Total risk-based capital ratio | 15.2425% | 3,237 |
| Memoranda: | ||
| Average total assets | $194,218,000 | 2,921 |
| Average earning assets | $160,817,670 | 3,125 |
| Average equity | $12,017,000 | 4,043 |
| Average total loans | $89,533,670 | 3,471 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 4,156 |
| Cost of funding earning assets | 2.1658% | 23 |
| Net interest margin | 1.9241% | 5,320 |
| Noninterest income to average assets | 1.1666% | 595 |
| Noninterest expense to average assets | 3.6256% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.8677% | 5,281 |
| Return on assets (ROA) | -0.8677% | 5,276 |
| Pretax return on assets | -0.8677% | 5,272 |
| Return on Equity (ROE) | -14.7409% | 5,318 |
| Retained earnings to average equity (ytd only) | -14.7409% | 5,203 |
| Net charge-offs to loans | -0.0310% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4649% | 56 |
| Assets per employee ($millions) | 4.1015% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 4,446 |
| Loan loss allowance to noncurrent loans | 449.3976% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 11.5168% | 12 |
| Noncurrent loans to loans | 0.1833% | 3,931 |
| Net loans and leases to total assets | 46.6042% | 4,644 |
| Net loans and leases to deposits | 57.3718% | 4,530 |
| Net loans and leases to core deposits | 59.7326% | 4,571 |
| Total domestic deposits to total assets | 81.2320% | 3,921 |
| Equity capital to assets | 6.0751% | 5,345 |
| Core capital (leverage) ratio | 6.8380% | 5,323 |
| Tier 1 risk-based capital ratio | 14.0465% | 3,321 |
| Total risk-based capital ratio | 15.1893% | 3,288 |
| Memoranda: | ||
| Average total assets | $194,066,500 | 2,958 |
| Average earning assets | $160,493,500 | 3,162 |
| Average equity | $11,424,000 | 4,140 |
| Average total loans | $90,217,000 | 3,488 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 3,706 |
| Cost of funding earning assets | 2.1259% | 10 |
| Net interest margin | 1.9864% | 5,337 |
| Noninterest income to average assets | 0.0048% | 5,344 |
| Noninterest expense to average assets | 3.7226% | 751 |
| Loan and lease loss provision to assets | -0.3529% | 5,371 |
| Net operating income to assets | -1.7240% | 5,368 |
| Return on assets (ROA) | -1.7240% | 5,366 |
| Pretax return on assets | -1.7240% | 5,360 |
| Return on Equity (ROE) | -26.4846% | 5,386 |
| Retained earnings to average equity (ytd only) | -26.4846% | 5,383 |
| Net charge-offs to loans | -0.5396% | 5,344 |
| Credit loss provision to net charge-offs | 158.7473% | 1,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 226.1960% | 12 |
| Assets per employee ($millions) | 4.2470% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,454 |
| Loan loss allowance to noncurrent loans | 434.7059% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 11.9726% | 11 |
| Noncurrent loans to loans | 0.1892% | 3,894 |
| Net loans and leases to total assets | 45.6125% | 4,753 |
| Net loans and leases to deposits | 59.4661% | 4,506 |
| Net loans and leases to core deposits | 62.0370% | 4,537 |
| Total domestic deposits to total assets | 76.7034% | 4,676 |
| Equity capital to assets | 5.7007% | 5,386 |
| Core capital (leverage) ratio | 6.3434% | 5,377 |
| Tier 1 risk-based capital ratio | 14.6994% | 2,966 |
| Total risk-based capital ratio | 15.8508% | 2,937 |
| Memoranda: | ||
| Average total assets | $208,296,200 | 2,783 |
| Average earning assets | $172,067,000 | 3,001 |
| Average equity | $13,558,800 | 3,806 |
| Average total loans | $85,805,800 | 3,555 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,997 |
| Cost of funding earning assets | 1.8153% | 15 |
| Net interest margin | 2.1609% | 5,388 |
| Noninterest income to average assets | 0.4343% | 3,257 |
| Noninterest expense to average assets | 3.7075% | 750 |
| Loan and lease loss provision to assets | -0.4633% | 5,451 |
| Net operating income to assets | -1.0249% | 5,422 |
| Return on assets (ROA) | -1.0249% | 5,416 |
| Pretax return on assets | -1.0249% | 5,416 |
| Return on Equity (ROE) | -15.3058% | 5,442 |
| Retained earnings to average equity (ytd only) | -15.3058% | 5,423 |
| Net charge-offs to loans | -0.7516% | 5,425 |
| Credit loss provision to net charge-offs | 153.7657% | 1,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.0548% | 15 |
| Assets per employee ($millions) | 4.5220% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,525 |
| Loan loss allowance to noncurrent loans | 887.0588% | 662 |
| Noncurrent assets plus other real estate owned to assets | 11.4740% | 14 |
| Noncurrent loans to loans | 0.0935% | 4,469 |
| Net loans and leases to total assets | 42.4186% | 4,939 |
| Net loans and leases to deposits | 62.0547% | 4,436 |
| Net loans and leases to core deposits | 64.7270% | 4,473 |
| Total domestic deposits to total assets | 68.3568% | 5,275 |
| Equity capital to assets | 5.9572% | 5,448 |
| Core capital (leverage) ratio | 7.2546% | 5,414 |
| Tier 1 risk-based capital ratio | 16.4083% | 2,300 |
| Total risk-based capital ratio | 17.5963% | 2,264 |
| Memoranda: | ||
| Average total assets | $211,529,500 | 2,779 |
| Average earning assets | $174,735,250 | 3,000 |
| Average equity | $14,164,250 | 3,757 |
| Average total loans | $84,795,000 | 3,605 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 4,075 |
| Cost of funding earning assets | 1.7196% | 17 |
| Net interest margin | 2.1849% | 5,444 |
| Noninterest income to average assets | 0.4337% | 3,265 |
| Noninterest expense to average assets | 3.6876% | 776 |
| Loan and lease loss provision to assets | -0.6960% | 5,526 |
| Net operating income to assets | -0.7566% | 5,461 |
| Return on assets (ROA) | -0.7566% | 5,455 |
| Pretax return on assets | -0.7566% | 5,454 |
| Return on Equity (ROE) | -10.8964% | 5,477 |
| Retained earnings to average equity (ytd only) | -10.8964% | 5,427 |
| Net charge-offs to loans | -1.0126% | 5,488 |
| Credit loss provision to net charge-offs | 175.4177% | 1,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.0000% | 22 |
| Assets per employee ($millions) | 4.4575% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 11.7000% | 14 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 43.7447% | 4,918 |
| Net loans and leases to deposits | 64.8264% | 4,227 |
| Net loans and leases to core deposits | 67.1338% | 4,305 |
| Total domestic deposits to total assets | 67.4799% | 5,352 |
| Equity capital to assets | 6.5326% | 5,481 |
| Core capital (leverage) ratio | 7.7432% | 5,406 |
| Tier 1 risk-based capital ratio | 17.1712% | 2,040 |
| Total risk-based capital ratio | 18.2888% | 2,032 |
| Memoranda: | ||
| Average total assets | $211,195,330 | 2,799 |
| Average earning assets | $174,105,670 | 3,018 |
| Average equity | $14,665,330 | 3,723 |
| Average total loans | $82,757,670 | 3,664 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,314 |
| Cost of funding earning assets | 1.5913% | 26 |
| Net interest margin | 2.1737% | 5,509 |
| Noninterest income to average assets | 0.3452% | 3,837 |
| Noninterest expense to average assets | 3.9766% | 549 |
| Loan and lease loss provision to assets | -0.6602% | 5,584 |
| Net operating income to assets | -1.1828% | 5,545 |
| Return on assets (ROA) | -1.1828% | 5,544 |
| Pretax return on assets | -1.1828% | 5,544 |
| Return on Equity (ROE) | -16.5490% | 5,566 |
| Retained earnings to average equity (ytd only) | -16.5490% | 5,474 |
| Net charge-offs to loans | -1.7546% | 5,560 |
| Credit loss provision to net charge-offs | 102.3392% | 1,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.3837% | 16 |
| Assets per employee ($millions) | 4.2294% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,056 |
| Loan loss allowance to noncurrent loans | 1,013.1313% | 594 |
| Noncurrent assets plus other real estate owned to assets | 11.9749% | 13 |
| Noncurrent loans to loans | 0.1142% | 4,454 |
| Net loans and leases to total assets | 40.5135% | 5,048 |
| Net loans and leases to deposits | 60.1548% | 4,459 |
| Net loans and leases to core deposits | 62.4293% | 4,526 |
| Total domestic deposits to total assets | 67.3487% | 5,436 |
| Equity capital to assets | 6.7968% | 5,526 |
| Core capital (leverage) ratio | 7.7974% | 5,444 |
| Tier 1 risk-based capital ratio | 17.1509% | 2,074 |
| Total risk-based capital ratio | 18.4048% | 2,029 |
| Memoranda: | ||
| Average total assets | $212,041,000 | 2,818 |
| Average earning assets | $174,452,000 | 3,048 |
| Average equity | $15,155,000 | 3,685 |
| Average total loans | $77,965,500 | 3,779 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,618 |
| Cost of funding earning assets | 1.3505% | 41 |
| Net interest margin | 2.5876% | 5,360 |
| Noninterest income to average assets | -3.1119% | 5,668 |
| Noninterest expense to average assets | 5.2124% | 198 |
| Loan and lease loss provision to assets | 0.1561% | 1,441 |
| Net operating income to assets | -6.4423% | 5,663 |
| Return on assets (ROA) | -6.4423% | 5,663 |
| Pretax return on assets | -6.4423% | 5,663 |
| Return on Equity (ROE) | -216.6505% | 5,669 |
| Retained earnings to average equity (ytd only) | -216.6505% | 5,669 |
| Net charge-offs to loans | 0.8114% | 246 |
| Credit loss provision to net charge-offs | 46.2304% | 3,372 |
| Earnings coverage of net charge-offs (x) | -18.6202% | 4,100 |
| Efficiency ratio | -485.4204% | 5,667 |
| Assets per employee ($millions) | 4.1689% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,547 |
| Loan loss allowance to noncurrent loans | 417.7686% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 11.5289% | 15 |
| Noncurrent loans to loans | 0.3494% | 3,509 |
| Net loans and leases to total assets | 32.0976% | 5,391 |
| Net loans and leases to deposits | 48.1246% | 5,123 |
| Net loans and leases to core deposits | 49.9462% | 5,137 |
| Total domestic deposits to total assets | 66.6969% | 5,503 |
| Equity capital to assets | 7.4957% | 5,536 |
| Core capital (leverage) ratio | 8.1677% | 5,367 |
| Tier 1 risk-based capital ratio | 17.6281% | 1,909 |
| Total risk-based capital ratio | 18.8822% | 1,857 |
| Memoranda: | ||
| Average total assets | $208,232,400 | 2,841 |
| Average earning assets | $164,012,600 | 3,152 |
| Average equity | $6,192,000 | 5,069 |
| Average total loans | $86,638,200 | 3,593 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,419 |
| Cost of funding earning assets | 1.3398% | 37 |
| Net interest margin | 2.6400% | 5,377 |
| Noninterest income to average assets | 0.7100% | 1,960 |
| Noninterest expense to average assets | 4.3551% | 354 |
| Loan and lease loss provision to assets | -0.2929% | 5,692 |
| Net operating income to assets | -1.2951% | 5,690 |
| Return on assets (ROA) | -1.2951% | 5,691 |
| Pretax return on assets | -1.2951% | 5,688 |
| Return on Equity (ROE) | -71.4265% | 5,729 |
| Retained earnings to average equity (ytd only) | -71.4265% | 5,725 |
| Net charge-offs to loans | -0.0747% | 5,295 |
| Credit loss provision to net charge-offs | 892.1569% | 397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.3854% | 21 |
| Assets per employee ($millions) | 3.6766% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,104 |
| Loan loss allowance to noncurrent loans | 11.0019% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 20.2103% | 2 |
| Noncurrent loans to loans | 10.6130% | 23 |
| Net loans and leases to total assets | 42.7864% | 5,085 |
| Net loans and leases to deposits | 60.6356% | 4,606 |
| Net loans and leases to core deposits | 62.6194% | 4,672 |
| Total domestic deposits to total assets | 70.5631% | 5,458 |
| Equity capital to assets | 1.5195% | 5,736 |
| Core capital (leverage) ratio | 1.7608% | 5,736 |
| Tier 1 risk-based capital ratio | 2.9118% | 5,736 |
| Total risk-based capital ratio | 3.7462% | 5,736 |
| Memoranda: | ||
| Average total assets | $207,137,000 | 2,874 |
| Average earning assets | $161,408,500 | 3,211 |
| Average equity | $3,755,750 | 5,513 |
| Average total loans | $90,984,000 | 3,538 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,401 |
| Cost of funding earning assets | 1.3010% | 37 |
| Net interest margin | 2.6407% | 5,413 |
| Noninterest income to average assets | 0.7366% | 1,828 |
| Noninterest expense to average assets | 4.2721% | 390 |
| Loan and lease loss provision to assets | -0.4308% | 5,754 |
| Net operating income to assets | -1.0368% | 5,718 |
| Return on assets (ROA) | -1.0368% | 5,718 |
| Pretax return on assets | -1.0368% | 5,714 |
| Return on Equity (ROE) | -54.4685% | 5,775 |
| Retained earnings to average equity (ytd only) | -54.4685% | 5,765 |
| Net charge-offs to loans | -0.0837% | 5,359 |
| Credit loss provision to net charge-offs | 1,166.6667% | 345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.3295% | 24 |
| Assets per employee ($millions) | 3.9979% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,669 |
| Loan loss allowance to noncurrent loans | 10.7324% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 19.1714% | 4 |
| Noncurrent loans to loans | 10.1088% | 26 |
| Net loans and leases to total assets | 42.6715% | 5,112 |
| Net loans and leases to deposits | 59.2711% | 4,681 |
| Net loans and leases to core deposits | 61.3429% | 4,750 |
| Total domestic deposits to total assets | 71.9938% | 5,455 |
| Equity capital to assets | 1.8837% | 5,787 |
| Core capital (leverage) ratio | 2.1285% | 5,786 |
| Tier 1 risk-based capital ratio | 3.5039% | 5,786 |
| Total risk-based capital ratio | 4.2922% | 5,786 |
| Memoranda: | ||
| Average total assets | $211,229,000 | 2,848 |
| Average earning assets | $165,410,670 | 3,173 |
| Average equity | $4,020,670 | 5,522 |
| Average total loans | $93,192,330 | 3,507 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,522 |
| Cost of funding earning assets | 1.2736% | 39 |
| Net interest margin | 2.5927% | 5,473 |
| Noninterest income to average assets | 0.3795% | 3,811 |
| Noninterest expense to average assets | 4.2631% | 401 |
| Loan and lease loss provision to assets | -0.1503% | 5,777 |
| Net operating income to assets | -1.6985% | 5,810 |
| Return on assets (ROA) | -1.6985% | 5,810 |
| Pretax return on assets | -1.6985% | 5,804 |
| Return on Equity (ROE) | -88.7798% | 5,852 |
| Retained earnings to average equity (ytd only) | -88.7798% | 5,842 |
| Net charge-offs to loans | -0.1180% | 5,495 |
| Credit loss provision to net charge-offs | 285.7143% | 814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.5759% | 24 |
| Assets per employee ($millions) | 4.0673% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,969 |
| Loan loss allowance to noncurrent loans | 14.4307% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 18.9657% | 4 |
| Noncurrent loans to loans | 9.8762% | 33 |
| Net loans and leases to total assets | 43.7233% | 5,053 |
| Net loans and leases to deposits | 60.1441% | 4,557 |
| Net loans and leases to core deposits | 62.3994% | 4,623 |
| Total domestic deposits to total assets | 72.6976% | 5,506 |
| Equity capital to assets | 1.6624% | 5,854 |
| Core capital (leverage) ratio | 2.1908% | 5,851 |
| Tier 1 risk-based capital ratio | 3.5332% | 5,851 |
| Total risk-based capital ratio | 4.5719% | 5,851 |
| Memoranda: | ||
| Average total assets | $212,897,000 | 2,852 |
| Average earning assets | $167,082,000 | 3,173 |
| Average equity | $4,073,000 | 5,573 |
| Average total loans | $94,946,500 | 3,501 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 3,156 |
| Cost of funding earning assets | 1.2259% | 47 |
| Net interest margin | 2.7860% | 5,314 |
| Noninterest income to average assets | 0.9604% | 1,237 |
| Noninterest expense to average assets | 4.2132% | 485 |
| Loan and lease loss provision to assets | -0.6546% | 5,893 |
| Net operating income to assets | -0.3765% | 5,756 |
| Return on assets (ROA) | -0.1736% | 5,724 |
| Pretax return on assets | -0.1736% | 5,713 |
| Return on Equity (ROE) | -7.2370% | 5,814 |
| Retained earnings to average equity (ytd only) | -7.2370% | 5,737 |
| Net charge-offs to loans | 0.7119% | 303 |
| Credit loss provision to net charge-offs | -201.9355% | 5,009 |
| Earnings coverage of net charge-offs (x) | -3.1806% | 4,207 |
| Efficiency ratio | 128.5132% | 64 |
| Assets per employee ($millions) | 4.1211% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,891 |
| Loan loss allowance to noncurrent loans | 14.3477% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 19.1683% | 3 |
| Noncurrent loans to loans | 10.0758% | 26 |
| Net loans and leases to total assets | 44.1879% | 5,103 |
| Net loans and leases to deposits | 60.9468% | 4,614 |
| Net loans and leases to core deposits | 63.4055% | 4,669 |
| Total domestic deposits to total assets | 72.5025% | 5,525 |
| Equity capital to assets | 2.1606% | 5,906 |
| Core capital (leverage) ratio | 2.5584% | 5,906 |
| Tier 1 risk-based capital ratio | 4.1164% | 5,901 |
| Total risk-based capital ratio | 5.1683% | 5,904 |
| Memoranda: | ||
| Average total assets | $239,060,800 | 2,585 |
| Average earning assets | $190,629,200 | 2,889 |
| Average equity | $5,734,400 | 5,327 |
| Average total loans | $108,859,400 | 3,224 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,305 |
| Cost of funding earning assets | 1.2196% | 49 |
| Net interest margin | 2.7584% | 5,420 |
| Noninterest income to average assets | 1.0454% | 1,039 |
| Noninterest expense to average assets | 4.2187% | 477 |
| Loan and lease loss provision to assets | -0.7040% | 5,958 |
| Net operating income to assets | -0.2620% | 5,811 |
| Return on assets (ROA) | 0.0016% | 5,739 |
| Pretax return on assets | 0.0016% | 5,731 |
| Return on Equity (ROE) | 0.0666% | 5,736 |
| Retained earnings to average equity (ytd only) | 0.0666% | 5,322 |
| Net charge-offs to loans | 0.9805% | 176 |
| Credit loss provision to net charge-offs | -157.1602% | 4,811 |
| Earnings coverage of net charge-offs (x) | -2.1565% | 3,872 |
| Efficiency ratio | 124.7535% | 71 |
| Assets per employee ($millions) | 4.1404% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,631 |
| Loan loss allowance to noncurrent loans | 13.2942% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 19.8678% | 3 |
| Noncurrent loans to loans | 11.5934% | 25 |
| Net loans and leases to total assets | 46.8406% | 5,035 |
| Net loans and leases to deposits | 64.6041% | 4,445 |
| Net loans and leases to core deposits | 67.0645% | 4,542 |
| Total domestic deposits to total assets | 72.5041% | 5,564 |
| Equity capital to assets | 2.6937% | 5,973 |
| Core capital (leverage) ratio | 2.6513% | 5,974 |
| Tier 1 risk-based capital ratio | 4.1377% | 5,974 |
| Total risk-based capital ratio | 5.2899% | 5,973 |
| Memoranda: | ||
| Average total assets | $245,252,000 | 2,554 |
| Average earning assets | $196,241,500 | 2,839 |
| Average equity | $6,010,500 | 5,333 |
| Average total loans | $112,053,750 | 3,195 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,098 |
| Cost of funding earning assets | 1.2300% | 48 |
| Net interest margin | 2.8104% | 5,409 |
| Noninterest income to average assets | 0.7942% | 1,738 |
| Noninterest expense to average assets | 3.8794% | 691 |
| Loan and lease loss provision to assets | -0.5003% | 6,020 |
| Net operating income to assets | -0.3293% | 5,888 |
| Return on assets (ROA) | -0.2072% | 5,863 |
| Pretax return on assets | -0.2072% | 5,857 |
| Return on Equity (ROE) | -8.7033% | 5,969 |
| Retained earnings to average equity (ytd only) | -8.7033% | 5,854 |
| Net charge-offs to loans | 1.7137% | 82 |
| Credit loss provision to net charge-offs | -64.6640% | 4,554 |
| Earnings coverage of net charge-offs (x) | -1.0723% | 3,589 |
| Efficiency ratio | 127.2023% | 72 |
| Assets per employee ($millions) | 4.4859% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 828 |
| Loan loss allowance to noncurrent loans | 17.6796% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 19.7381% | 6 |
| Noncurrent loans to loans | 11.0027% | 29 |
| Net loans and leases to total assets | 44.7780% | 5,189 |
| Net loans and leases to deposits | 60.1791% | 4,787 |
| Net loans and leases to core deposits | 62.3308% | 4,861 |
| Total domestic deposits to total assets | 74.4079% | 5,479 |
| Equity capital to assets | 2.6881% | 6,049 |
| Core capital (leverage) ratio | 2.3231% | 6,051 |
| Tier 1 risk-based capital ratio | 3.7422% | 6,052 |
| Total risk-based capital ratio | 4.9944% | 6,051 |
| Memoranda: | ||
| Average total assets | $253,856,000 | 2,500 |
| Average earning assets | $203,740,670 | 2,771 |
| Average equity | $6,043,670 | 5,379 |
| Average total loans | $114,606,330 | 3,166 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 3,774 |
| Cost of funding earning assets | 1.2439% | 44 |
| Net interest margin | 2.6050% | 5,714 |
| Noninterest income to average assets | 1.1103% | 886 |
| Noninterest expense to average assets | 3.4928% | 1,192 |
| Loan and lease loss provision to assets | 0.3513% | 424 |
| Net operating income to assets | -0.6292% | 5,991 |
| Return on assets (ROA) | -0.6292% | 5,996 |
| Pretax return on assets | -0.6292% | 5,987 |
| Return on Equity (ROE) | -28.0750% | 6,083 |
| Retained earnings to average equity (ytd only) | -28.0750% | 6,019 |
| Net charge-offs to loans | 1.5575% | 113 |
| Credit loss provision to net charge-offs | 50.2183% | 2,048 |
| Earnings coverage of net charge-offs (x) | -0.3974% | 2,996 |
| Efficiency ratio | 108.6461% | 168 |
| Assets per employee ($millions) | 4.6887% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0625% | 210 |
| Loan loss allowance to noncurrent loans | 26.2444% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 18.9218% | 7 |
| Noncurrent loans to loans | 11.6690% | 31 |
| Net loans and leases to total assets | 43.7693% | 5,258 |
| Net loans and leases to deposits | 57.5014% | 4,886 |
| Net loans and leases to core deposits | 60.3662% | 4,916 |
| Total domestic deposits to total assets | 76.1186% | 5,399 |
| Equity capital to assets | 2.3275% | 6,114 |
| Core capital (leverage) ratio | 2.0933% | 6,117 |
| Tier 1 risk-based capital ratio | 3.5300% | 6,116 |
| Total risk-based capital ratio | 4.7924% | 6,116 |
| Memoranda: | ||
| Average total assets | $261,907,500 | 2,450 |
| Average earning assets | $211,592,500 | 2,702 |
| Average equity | $5,870,000 | 5,441 |
| Average total loans | $117,623,000 | 3,123 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,807 |
| Cost of funding earning assets | 1.1222% | 86 |
| Net interest margin | 2.7483% | 5,595 |
| Noninterest income to average assets | 0.2119% | 5,323 |
| Noninterest expense to average assets | 4.2768% | 506 |
| Loan and lease loss provision to assets | 0.4793% | 243 |
| Net operating income to assets | -2.2820% | 6,146 |
| Return on assets (ROA) | -2.1825% | 6,144 |
| Pretax return on assets | -2.1276% | 6,138 |
| Return on Equity (ROE) | -70.2909% | 6,174 |
| Retained earnings to average equity (ytd only) | -70.2909% | 6,173 |
| Net charge-offs to loans | 4.9113% | 6 |
| Credit loss provision to net charge-offs | 18.9098% | 3,756 |
| Earnings coverage of net charge-offs (x) | -0.6895% | 4,318 |
| Efficiency ratio | 169.1111% | 21 |
| Assets per employee ($millions) | 4.9213% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9646% | 228 |
| Loan loss allowance to noncurrent loans | 21.2180% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 19.0830% | 9 |
| Noncurrent loans to loans | 13.9722% | 21 |
| Net loans and leases to total assets | 43.3521% | 5,319 |
| Net loans and leases to deposits | 55.9249% | 5,046 |
| Net loans and leases to core deposits | 59.2802% | 5,029 |
| Total domestic deposits to total assets | 77.5184% | 5,238 |
| Equity capital to assets | 2.1765% | 6,178 |
| Core capital (leverage) ratio | 2.1846% | 6,179 |
| Tier 1 risk-based capital ratio | 3.6603% | 6,173 |
| Total risk-based capital ratio | 4.9226% | 6,174 |
| Memoranda: | ||
| Average total assets | $302,495,400 | 2,134 |
| Average earning assets | $255,034,800 | 2,305 |
| Average equity | $9,392,400 | 4,771 |
| Average total loans | $156,130,000 | 2,514 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,405 |
| Cost of funding earning assets | 1.1073% | 96 |
| Net interest margin | 2.8744% | 5,456 |
| Noninterest income to average assets | 0.1967% | 5,468 |
| Noninterest expense to average assets | 4.2354% | 523 |
| Loan and lease loss provision to assets | 0.6227% | 142 |
| Net operating income to assets | -2.2912% | 6,235 |
| Return on assets (ROA) | -2.1620% | 6,234 |
| Pretax return on assets | -2.0907% | 6,229 |
| Return on Equity (ROE) | -65.3681% | 6,258 |
| Retained earnings to average equity (ytd only) | -65.3681% | 6,258 |
| Net charge-offs to loans | 2.9135% | 36 |
| Credit loss provision to net charge-offs | 40.2331% | 3,159 |
| Earnings coverage of net charge-offs (x) | -1.0319% | 4,056 |
| Efficiency ratio | 160.5405% | 31 |
| Assets per employee ($millions) | 5.2415% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6468% | 45 |
| Loan loss allowance to noncurrent loans | 31.2612% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 19.5431% | 7 |
| Noncurrent loans to loans | 18.0632% | 10 |
| Net loans and leases to total assets | 45.1556% | 5,280 |
| Net loans and leases to deposits | 58.1050% | 4,998 |
| Net loans and leases to core deposits | 61.0804% | 4,996 |
| Total domestic deposits to total assets | 77.7138% | 5,232 |
| Equity capital to assets | 2.7099% | 6,259 |
| Core capital (leverage) ratio | 2.5665% | 6,260 |
| Tier 1 risk-based capital ratio | 4.3481% | 6,255 |
| Total risk-based capital ratio | 5.6381% | 6,255 |
| Memoranda: | ||
| Average total assets | $310,451,750 | 2,103 |
| Average earning assets | $263,704,500 | 2,258 |
| Average equity | $10,267,750 | 4,662 |
| Average total loans | $164,931,000 | 2,423 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,474 |
| Cost of funding earning assets | 1.0940% | 99 |
| Net interest margin | 2.8588% | 5,521 |
| Noninterest income to average assets | 0.1514% | 5,803 |
| Noninterest expense to average assets | 4.0114% | 669 |
| Loan and lease loss provision to assets | 0.7510% | 111 |
| Net operating income to assets | -2.1728% | 6,307 |
| Return on assets (ROA) | -1.9844% | 6,305 |
| Pretax return on assets | -1.9844% | 6,304 |
| Return on Equity (ROE) | -56.9623% | 6,332 |
| Retained earnings to average equity (ytd only) | -56.9623% | 6,326 |
| Net charge-offs to loans | 3.9873% | 23 |
| Credit loss provision to net charge-offs | 34.4432% | 2,878 |
| Earnings coverage of net charge-offs (x) | -0.6521% | 3,755 |
| Efficiency ratio | 154.9058% | 40 |
| Assets per employee ($millions) | 5.3898% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0070% | 61 |
| Loan loss allowance to noncurrent loans | 31.1927% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 18.2441% | 11 |
| Noncurrent loans to loans | 16.0519% | 19 |
| Net loans and leases to total assets | 47.2619% | 5,165 |
| Net loans and leases to deposits | 60.9256% | 4,783 |
| Net loans and leases to core deposits | 64.1317% | 4,802 |
| Total domestic deposits to total assets | 77.5731% | 5,364 |
| Equity capital to assets | 3.0918% | 6,330 |
| Core capital (leverage) ratio | 3.0498% | 6,334 |
| Tier 1 risk-based capital ratio | 5.0192% | 6,326 |
| Total risk-based capital ratio | 6.3043% | 6,328 |
| Memoranda: | ||
| Average total assets | $319,588,670 | 2,077 |
| Average earning assets | $272,565,670 | 2,215 |
| Average equity | $11,133,670 | 4,538 |
| Average total loans | $174,755,330 | 2,318 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 5,531 |
| Cost of funding earning assets | 1.0903% | 104 |
| Net interest margin | 2.1722% | 6,220 |
| Noninterest income to average assets | 0.9222% | 1,321 |
| Noninterest expense to average assets | 3.8374% | 838 |
| Loan and lease loss provision to assets | 0.9657% | 85 |
| Net operating income to assets | -2.0364% | 6,367 |
| Return on assets (ROA) | -1.6730% | 6,359 |
| Pretax return on assets | -1.6730% | 6,355 |
| Return on Equity (ROE) | -37.1146% | 6,390 |
| Retained earnings to average equity (ytd only) | -37.1146% | 6,366 |
| Net charge-offs to loans | 0.5945% | 408 |
| Credit loss provision to net charge-offs | 287.7698% | 835 |
| Earnings coverage of net charge-offs (x) | -3.1906% | 3,218 |
| Efficiency ratio | 138.6998% | 66 |
| Assets per employee ($millions) | 5.6699% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6636% | 48 |
| Loan loss allowance to noncurrent loans | 22.8273% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 23.9054% | 6 |
| Noncurrent loans to loans | 24.8105% | 6 |
| Net loans and leases to total assets | 53.2142% | 4,531 |
| Net loans and leases to deposits | 67.8530% | 3,970 |
| Net loans and leases to core deposits | 72.9890% | 3,872 |
| Total domestic deposits to total assets | 78.4257% | 5,365 |
| Equity capital to assets | 4.4414% | 6,387 |
| Core capital (leverage) ratio | 3.9283% | 6,393 |
| Tier 1 risk-based capital ratio | 5.7538% | 6,392 |
| Total risk-based capital ratio | 7.0456% | 6,391 |
| Memoranda: | ||
| Average total assets | $331,371,500 | 2,012 |
| Average earning assets | $281,378,500 | 2,166 |
| Average equity | $14,937,500 | 3,924 |
| Average total loans | $187,048,500 | 2,210 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,136 |
| Cost of funding earning assets | 1.1943% | 88 |
| Net interest margin | 2.9527% | 5,546 |
| Noninterest income to average assets | -0.4908% | 6,492 |
| Noninterest expense to average assets | 3.5896% | 1,330 |
| Loan and lease loss provision to assets | 1.0470% | 100 |
| Net operating income to assets | -2.6749% | 6,474 |
| Return on assets (ROA) | -2.6880% | 6,474 |
| Pretax return on assets | -2.6585% | 6,471 |
| Return on Equity (ROE) | -50.9715% | 6,488 |
| Retained earnings to average equity (ytd only) | -50.9715% | 6,486 |
| Net charge-offs to loans | 2.5952% | 54 |
| Credit loss provision to net charge-offs | 64.9813% | 3,184 |
| Earnings coverage of net charge-offs (x) | -0.9920% | 4,799 |
| Efficiency ratio | 180.2651% | 31 |
| Assets per employee ($millions) | 5.9571% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1113% | 70 |
| Loan loss allowance to noncurrent loans | 32.0590% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 18.3916% | 11 |
| Noncurrent loans to loans | 15.9434% | 17 |
| Net loans and leases to total assets | 53.5957% | 4,623 |
| Net loans and leases to deposits | 67.9595% | 4,128 |
| Net loans and leases to core deposits | 73.6406% | 3,949 |
| Total domestic deposits to total assets | 78.8642% | 5,275 |
| Equity capital to assets | 4.5710% | 6,470 |
| Core capital (leverage) ratio | 4.2665% | 6,474 |
| Tier 1 risk-based capital ratio | 6.7132% | 6,469 |
| Total risk-based capital ratio | 8.0053% | 6,470 |
| Memoranda: | ||
| Average total assets | $348,617,400 | 1,866 |
| Average earning assets | $293,053,600 | 2,049 |
| Average equity | $18,384,800 | 3,360 |
| Average total loans | $216,434,400 | 1,927 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 3,178 |
| Cost of funding earning assets | 1.2302% | 76 |
| Net interest margin | 2.9175% | 5,667 |
| Noninterest income to average assets | 0.3408% | 4,712 |
| Noninterest expense to average assets | 4.2494% | 586 |
| Loan and lease loss provision to assets | 0.1900% | 1,278 |
| Net operating income to assets | -1.6925% | 6,513 |
| Return on assets (ROA) | -1.7096% | 6,513 |
| Pretax return on assets | -1.6708% | 6,498 |
| Return on Equity (ROE) | -31.4046% | 6,540 |
| Retained earnings to average equity (ytd only) | -31.4046% | 6,535 |
| Net charge-offs to loans | 2.2923% | 81 |
| Credit loss provision to net charge-offs | 13.0651% | 3,673 |
| Earnings coverage of net charge-offs (x) | -1.0065% | 4,528 |
| Efficiency ratio | 152.5440% | 50 |
| Assets per employee ($millions) | 5.7696% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1451% | 144 |
| Loan loss allowance to noncurrent loans | 25.0141% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 19.7893% | 12 |
| Noncurrent loans to loans | 16.5712% | 22 |
| Net loans and leases to total assets | 57.3556% | 4,156 |
| Net loans and leases to deposits | 73.2025% | 3,535 |
| Net loans and leases to core deposits | 78.6809% | 3,472 |
| Total domestic deposits to total assets | 78.3520% | 5,459 |
| Equity capital to assets | 5.1071% | 6,523 |
| Core capital (leverage) ratio | 5.0870% | 6,525 |
| Tier 1 risk-based capital ratio | 7.6329% | 6,520 |
| Total risk-based capital ratio | 8.9143% | 6,519 |
| Memoranda: | ||
| Average total assets | $350,882,500 | 1,869 |
| Average earning assets | $294,031,000 | 2,051 |
| Average equity | $19,100,750 | 3,284 |
| Average total loans | $222,595,250 | 1,891 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 3,293 |
| Cost of funding earning assets | 1.3130% | 54 |
| Net interest margin | 2.7990% | 5,913 |
| Noninterest income to average assets | 0.4329% | 4,001 |
| Noninterest expense to average assets | 4.3750% | 515 |
| Loan and lease loss provision to assets | 0.2540% | 854 |
| Net operating income to assets | -1.8664% | 6,589 |
| Return on assets (ROA) | -1.8698% | 6,588 |
| Pretax return on assets | -1.8619% | 6,579 |
| Return on Equity (ROE) | -33.6812% | 6,617 |
| Retained earnings to average equity (ytd only) | -33.6812% | 6,599 |
| Net charge-offs to loans | 0.9803% | 361 |
| Credit loss provision to net charge-offs | 40.1070% | 2,924 |
| Earnings coverage of net charge-offs (x) | -2.5339% | 4,257 |
| Efficiency ratio | 157.9140% | 49 |
| Assets per employee ($millions) | 5.7540% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0653% | 85 |
| Loan loss allowance to noncurrent loans | 28.5211% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 21.2483% | 10 |
| Noncurrent loans to loans | 17.7599% | 18 |
| Net loans and leases to total assets | 60.2423% | 3,675 |
| Net loans and leases to deposits | 77.7787% | 2,831 |
| Net loans and leases to core deposits | 82.1449% | 2,960 |
| Total domestic deposits to total assets | 77.4534% | 5,728 |
| Equity capital to assets | 5.3974% | 6,569 |
| Core capital (leverage) ratio | 5.3480% | 6,572 |
| Tier 1 risk-based capital ratio | 7.7146% | 6,574 |
| Total risk-based capital ratio | 9.0074% | 6,576 |
| Memoranda: | ||
| Average total assets | $354,374,670 | 1,852 |
| Average earning assets | $295,965,000 | 2,031 |
| Average equity | $19,672,670 | 3,208 |
| Average total loans | $228,898,670 | 1,836 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,635 |
| Cost of funding earning assets | 1.3541% | 51 |
| Net interest margin | 2.6575% | 6,167 |
| Noninterest income to average assets | 0.0546% | 6,475 |
| Noninterest expense to average assets | 4.7127% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.4539% | 6,676 |
| Return on assets (ROA) | -2.4606% | 6,676 |
| Pretax return on assets | -2.4450% | 6,668 |
| Return on Equity (ROE) | -43.7401% | 6,686 |
| Retained earnings to average equity (ytd only) | -43.7401% | 6,659 |
| Net charge-offs to loans | 0.0684% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -54.7000% | 3,639 |
| Efficiency ratio | 207.2024% | 27 |
| Assets per employee ($millions) | 5.5690% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1090% | 89 |
| Loan loss allowance to noncurrent loans | 25.0016% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 22.0350% | 12 |
| Noncurrent loans to loans | 20.4348% | 15 |
| Net loans and leases to total assets | 60.1854% | 3,536 |
| Net loans and leases to deposits | 76.9239% | 2,695 |
| Net loans and leases to core deposits | 82.7609% | 2,664 |
| Total domestic deposits to total assets | 78.2402% | 5,796 |
| Equity capital to assets | 5.3248% | 6,613 |
| Core capital (leverage) ratio | 5.5183% | 6,623 |
| Tier 1 risk-based capital ratio | 7.8716% | 6,630 |
| Total risk-based capital ratio | 9.1663% | 6,632 |
| Memoranda: | ||
| Average total assets | $358,941,500 | 1,834 |
| Average earning assets | $299,832,000 | 2,010 |
| Average equity | $20,192,000 | 3,156 |
| Average total loans | $233,809,000 | 1,798 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 3,021 |
| Cost of funding earning assets | 1.4429% | 60 |
| Net interest margin | 2.8410% | 5,913 |
| Noninterest income to average assets | 0.4005% | 4,438 |
| Noninterest expense to average assets | 3.7760% | 1,175 |
| Loan and lease loss provision to assets | 1.9277% | 50 |
| Net operating income to assets | -2.9357% | 6,761 |
| Return on assets (ROA) | -2.8436% | 6,754 |
| Pretax return on assets | -2.8436% | 6,752 |
| Return on Equity (ROE) | -40.9022% | 6,761 |
| Retained earnings to average equity (ytd only) | -40.9022% | 6,758 |
| Net charge-offs to loans | 2.3245% | 135 |
| Credit loss provision to net charge-offs | 123.0938% | 1,934 |
| Earnings coverage of net charge-offs (x) | -0.6437% | 5,224 |
| Efficiency ratio | 136.4193% | 93 |
| Assets per employee ($millions) | 5.0842% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9449% | 95 |
| Loan loss allowance to noncurrent loans | 23.0310% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 23.4378% | 10 |
| Noncurrent loans to loans | 21.4705% | 14 |
| Net loans and leases to total assets | 63.5732% | 3,122 |
| Net loans and leases to deposits | 82.1058% | 2,167 |
| Net loans and leases to core deposits | 88.5507% | 2,185 |
| Total domestic deposits to total assets | 77.4285% | 5,908 |
| Equity capital to assets | 5.9312% | 6,622 |
| Core capital (leverage) ratio | 5.8785% | 6,664 |
| Tier 1 risk-based capital ratio | 8.3552% | 6,686 |
| Total risk-based capital ratio | 9.6471% | 6,686 |
| Memoranda: | ||
| Average total assets | $407,019,000 | 1,619 |
| Average earning assets | $339,172,600 | 1,754 |
| Average equity | $28,296,800 | 2,357 |
| Average total loans | $274,212,600 | 1,538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 2,134 |
| Cost of funding earning assets | 1.4490% | 64 |
| Net interest margin | 3.0773% | 5,383 |
| Noninterest income to average assets | 0.3430% | 4,949 |
| Noninterest expense to average assets | 3.5241% | 1,556 |
| Loan and lease loss provision to assets | 1.3816% | 92 |
| Net operating income to assets | -1.9901% | 6,804 |
| Return on assets (ROA) | -1.8710% | 6,799 |
| Pretax return on assets | -1.8710% | 6,795 |
| Return on Equity (ROE) | -26.1000% | 6,796 |
| Retained earnings to average equity (ytd only) | -26.1000% | 6,786 |
| Net charge-offs to loans | 2.6966% | 103 |
| Credit loss provision to net charge-offs | 75.9295% | 2,949 |
| Earnings coverage of net charge-offs (x) | -0.3344% | 4,935 |
| Efficiency ratio | 120.8715% | 170 |
| Assets per employee ($millions) | 4.8260% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6289% | 302 |
| Loan loss allowance to noncurrent loans | 24.0547% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 19.1332% | 22 |
| Noncurrent loans to loans | 15.0862% | 43 |
| Net loans and leases to total assets | 62.9218% | 3,177 |
| Net loans and leases to deposits | 82.5970% | 2,057 |
| Net loans and leases to core deposits | 88.4798% | 2,132 |
| Total domestic deposits to total assets | 76.1793% | 6,151 |
| Equity capital to assets | 6.8047% | 6,590 |
| Core capital (leverage) ratio | 6.3386% | 6,686 |
| Tier 1 risk-based capital ratio | 9.2018% | 6,709 |
| Total risk-based capital ratio | 10.4777% | 6,702 |
| Memoranda: | ||
| Average total assets | $419,800,000 | 1,580 |
| Average earning assets | $350,951,250 | 1,721 |
| Average equity | $30,093,750 | 2,265 |
| Average total loans | $283,259,750 | 1,498 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 2,272 |
| Cost of funding earning assets | 1.4317% | 70 |
| Net interest margin | 3.0495% | 5,430 |
| Noninterest income to average assets | 0.3961% | 4,554 |
| Noninterest expense to average assets | 3.2875% | 2,106 |
| Loan and lease loss provision to assets | 0.6678% | 359 |
| Net operating income to assets | -0.9939% | 6,753 |
| Return on assets (ROA) | -0.8212% | 6,727 |
| Pretax return on assets | -0.8212% | 6,709 |
| Return on Equity (ROE) | -11.2896% | 6,759 |
| Retained earnings to average equity (ytd only) | -11.2896% | 6,696 |
| Net charge-offs to loans | 2.7442% | 124 |
| Credit loss provision to net charge-offs | 35.7319% | 3,493 |
| Earnings coverage of net charge-offs (x) | -0.1745% | 4,611 |
| Efficiency ratio | 111.0109% | 263 |
| Assets per employee ($millions) | 5.2284% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7149% | 782 |
| Loan loss allowance to noncurrent loans | 25.4518% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 15.7585% | 49 |
| Noncurrent loans to loans | 10.6667% | 133 |
| Net loans and leases to total assets | 64.2669% | 2,873 |
| Net loans and leases to deposits | 82.2166% | 2,034 |
| Net loans and leases to core deposits | 87.2126% | 2,205 |
| Total domestic deposits to total assets | 78.1677% | 5,951 |
| Equity capital to assets | 6.9608% | 6,612 |
| Core capital (leverage) ratio | 6.8889% | 6,637 |
| Tier 1 risk-based capital ratio | 9.3355% | 6,736 |
| Total risk-based capital ratio | 10.6029% | 6,720 |
| Memoranda: | ||
| Average total assets | $434,257,000 | 1,534 |
| Average earning assets | $365,304,670 | 1,656 |
| Average equity | $31,586,670 | 2,180 |
| Average total loans | $295,754,670 | 1,429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 2,078 |
| Cost of funding earning assets | 1.4356% | 74 |
| Net interest margin | 3.0918% | 5,289 |
| Noninterest income to average assets | 0.3030% | 5,273 |
| Noninterest expense to average assets | 3.3701% | 1,898 |
| Loan and lease loss provision to assets | 0.6407% | 384 |
| Net operating income to assets | -1.0919% | 6,832 |
| Return on assets (ROA) | -0.7487% | 6,768 |
| Pretax return on assets | -0.7487% | 6,744 |
| Return on Equity (ROE) | -10.0806% | 6,807 |
| Retained earnings to average equity (ytd only) | -10.0806% | 6,620 |
| Net charge-offs to loans | 2.5932% | 153 |
| Credit loss provision to net charge-offs | 35.7508% | 2,804 |
| Earnings coverage of net charge-offs (x) | -0.2518% | 3,884 |
| Efficiency ratio | 115.4594% | 255 |
| Assets per employee ($millions) | 5.1771% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0394% | 635 |
| Loan loss allowance to noncurrent loans | 23.0571% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 15.9367% | 64 |
| Noncurrent loans to loans | 13.1821% | 111 |
| Net loans and leases to total assets | 66.3142% | 2,311 |
| Net loans and leases to deposits | 84.9706% | 1,476 |
| Net loans and leases to core deposits | 90.7953% | 1,629 |
| Total domestic deposits to total assets | 78.0437% | 6,107 |
| Equity capital to assets | 7.3108% | 6,642 |
| Core capital (leverage) ratio | 6.9996% | 6,642 |
| Tier 1 risk-based capital ratio | 9.5153% | 6,761 |
| Total risk-based capital ratio | 10.7859% | 6,746 |
| Memoranda: | ||
| Average total assets | $437,021,500 | 1,538 |
| Average earning assets | $369,749,000 | 1,655 |
| Average equity | $32,458,500 | 2,155 |
| Average total loans | $302,022,500 | 1,402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 1,785 |
| Cost of funding earning assets | 1.6188% | 101 |
| Net interest margin | 3.2975% | 5,255 |
| Noninterest income to average assets | 0.6160% | 3,194 |
| Noninterest expense to average assets | 4.2972% | 682 |
| Loan and lease loss provision to assets | 1.6482% | 172 |
| Net operating income to assets | -4.3428% | 7,046 |
| Return on assets (ROA) | -4.3428% | 7,046 |
| Pretax return on assets | -2.6110% | 6,987 |
| Return on Equity (ROE) | -49.9581% | 7,020 |
| Retained earnings to average equity (ytd only) | -49.9581% | 7,014 |
| Net charge-offs to loans | 2.9840% | 172 |
| Credit loss provision to net charge-offs | 78.0351% | 3,890 |
| Earnings coverage of net charge-offs (x) | -0.4558% | 5,660 |
| Efficiency ratio | 128.8731% | 162 |
| Assets per employee ($millions) | 5.1066% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3586% | 488 |
| Loan loss allowance to noncurrent loans | 25.4177% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 16.9380% | 58 |
| Noncurrent loans to loans | 13.2134% | 119 |
| Net loans and leases to total assets | 67.4738% | 2,286 |
| Net loans and leases to deposits | 86.4999% | 1,447 |
| Net loans and leases to core deposits | 92.2978% | 1,612 |
| Total domestic deposits to total assets | 78.0044% | 6,079 |
| Equity capital to assets | 7.5425% | 6,613 |
| Core capital (leverage) ratio | 7.1006% | 6,668 |
| Tier 1 risk-based capital ratio | 9.3911% | 6,815 |
| Total risk-based capital ratio | 10.6645% | 6,807 |
| Memoranda: | ||
| Average total assets | $455,879,200 | 1,438 |
| Average earning assets | $375,831,400 | 1,591 |
| Average equity | $39,629,200 | 1,758 |
| Average total loans | $322,684,600 | 1,304 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 1,989 |
| Cost of funding earning assets | 1.6561% | 102 |
| Net interest margin | 3.2493% | 5,549 |
| Noninterest income to average assets | 0.7547% | 2,451 |
| Noninterest expense to average assets | 4.3964% | 603 |
| Loan and lease loss provision to assets | 1.7128% | 169 |
| Net operating income to assets | -4.9682% | 7,160 |
| Return on assets (ROA) | -4.9682% | 7,161 |
| Pretax return on assets | -2.6877% | 7,095 |
| Return on Equity (ROE) | -55.4029% | 7,131 |
| Retained earnings to average equity (ytd only) | -55.4029% | 7,127 |
| Net charge-offs to loans | 3.5061% | 129 |
| Credit loss provision to net charge-offs | 68.7929% | 3,939 |
| Earnings coverage of net charge-offs (x) | -0.3916% | 5,471 |
| Efficiency ratio | 128.4940% | 158 |
| Assets per employee ($millions) | 5.0254% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0954% | 655 |
| Loan loss allowance to noncurrent loans | 19.4752% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 20.5137% | 31 |
| Noncurrent loans to loans | 15.8939% | 86 |
| Net loans and leases to total assets | 68.8874% | 2,138 |
| Net loans and leases to deposits | 88.7809% | 1,270 |
| Net loans and leases to core deposits | 94.2735% | 1,561 |
| Total domestic deposits to total assets | 77.5925% | 6,144 |
| Equity capital to assets | 8.0998% | 6,547 |
| Core capital (leverage) ratio | 7.3900% | 6,676 |
| Tier 1 risk-based capital ratio | 9.7562% | 6,856 |
| Total risk-based capital ratio | 11.0253% | 6,835 |
| Memoranda: | ||
| Average total assets | $460,057,500 | 1,447 |
| Average earning assets | $377,592,500 | 1,603 |
| Average equity | $41,255,500 | 1,706 |
| Average total loans | $326,700,750 | 1,302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 2,205 |
| Cost of funding earning assets | 1.7031% | 101 |
| Net interest margin | 3.1734% | 5,811 |
| Noninterest income to average assets | 0.9519% | 1,607 |
| Noninterest expense to average assets | 3.3652% | 2,113 |
| Loan and lease loss provision to assets | 1.3133% | 302 |
| Net operating income to assets | -0.6511% | 6,801 |
| Return on assets (ROA) | -0.6511% | 6,834 |
| Pretax return on assets | -1.1163% | 6,928 |
| Return on Equity (ROE) | -7.0448% | 6,832 |
| Retained earnings to average equity (ytd only) | -7.0448% | 6,721 |
| Net charge-offs to loans | 2.7593% | 227 |
| Credit loss provision to net charge-offs | 67.0465% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.1006% | 5,032 |
| Efficiency ratio | 94.4699% | 781 |
| Assets per employee ($millions) | 5.1569% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3647% | 563 |
| Loan loss allowance to noncurrent loans | 23.6519% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 19.1832% | 48 |
| Noncurrent loans to loans | 14.2259% | 114 |
| Net loans and leases to total assets | 68.2587% | 2,247 |
| Net loans and leases to deposits | 90.9532% | 1,052 |
| Net loans and leases to core deposits | 96.8241% | 1,370 |
| Total domestic deposits to total assets | 75.0481% | 6,585 |
| Equity capital to assets | 11.1876% | 2,905 |
| Core capital (leverage) ratio | 9.2075% | 4,599 |
| Tier 1 risk-based capital ratio | 11.8915% | 5,998 |
| Total risk-based capital ratio | 13.1643% | 5,953 |
| Memoranda: | ||
| Average total assets | $465,999,330 | 1,432 |
| Average earning assets | $383,311,330 | 1,577 |
| Average equity | $43,067,330 | 1,624 |
| Average total loans | $330,810,000 | 1,284 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 3,478 |
| Cost of funding earning assets | 1.7783% | 92 |
| Net interest margin | 2.8274% | 6,592 |
| Noninterest income to average assets | 1.2643% | 889 |
| Noninterest expense to average assets | 2.9477% | 3,456 |
| Loan and lease loss provision to assets | 2.5132% | 98 |
| Net operating income to assets | -1.0930% | 7,013 |
| Return on assets (ROA) | -1.0930% | 7,026 |
| Pretax return on assets | -1.8547% | 7,122 |
| Return on Equity (ROE) | -13.1835% | 7,043 |
| Retained earnings to average equity (ytd only) | -13.1835% | 6,932 |
| Net charge-offs to loans | 2.6685% | 298 |
| Credit loss provision to net charge-offs | 132.3463% | 1,846 |
| Earnings coverage of net charge-offs (x) | 0.3468% | 4,188 |
| Efficiency ratio | 81.7387% | 1,971 |
| Assets per employee ($millions) | 5.4098% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8858% | 405 |
| Loan loss allowance to noncurrent loans | 38.9091% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 13.7571% | 139 |
| Noncurrent loans to loans | 9.9867% | 306 |
| Net loans and leases to total assets | 68.2353% | 2,066 |
| Net loans and leases to deposits | 92.4984% | 763 |
| Net loans and leases to core deposits | 99.1318% | 1,041 |
| Total domestic deposits to total assets | 73.7692% | 6,767 |
| Equity capital to assets | 8.5047% | 6,078 |
| Core capital (leverage) ratio | 6.8601% | 6,890 |
| Tier 1 risk-based capital ratio | 8.6907% | 7,064 |
| Total risk-based capital ratio | 12.8958% | 6,173 |
| Memoranda: | ||
| Average total assets | $469,517,500 | 1,428 |
| Average earning assets | $388,915,000 | 1,561 |
| Average equity | $38,927,500 | 1,785 |
| Average total loans | $334,120,000 | 1,268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 1,758 |
| Cost of funding earning assets | 1.8891% | 156 |
| Net interest margin | 3.3944% | 5,498 |
| Noninterest income to average assets | 0.2890% | 5,468 |
| Noninterest expense to average assets | 3.2448% | 2,707 |
| Loan and lease loss provision to assets | 1.4678% | 513 |
| Net operating income to assets | -0.9590% | 6,722 |
| Return on assets (ROA) | -0.9590% | 6,750 |
| Pretax return on assets | -1.5414% | 6,909 |
| Return on Equity (ROE) | -11.4035% | 6,775 |
| Retained earnings to average equity (ytd only) | -11.4035% | 6,744 |
| Net charge-offs to loans | 2.7046% | 400 |
| Credit loss provision to net charge-offs | 72.3059% | 4,764 |
| Earnings coverage of net charge-offs (x) | -0.0363% | 5,850 |
| Efficiency ratio | 102.3216% | 613 |
| Assets per employee ($millions) | 5.2610% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7582% | 446 |
| Loan loss allowance to noncurrent loans | 32.8230% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 15.1001% | 116 |
| Noncurrent loans to loans | 11.4500% | 245 |
| Net loans and leases to total assets | 68.6547% | 2,278 |
| Net loans and leases to deposits | 93.5051% | 849 |
| Net loans and leases to core deposits | 100.6660% | 1,117 |
| Total domestic deposits to total assets | 73.4235% | 6,770 |
| Equity capital to assets | 8.0712% | 6,525 |
| Core capital (leverage) ratio | 7.0434% | 6,847 |
| Tier 1 risk-based capital ratio | 9.1187% | 7,019 |
| Total risk-based capital ratio | 13.9252% | 5,305 |
| Memoranda: | ||
| Average total assets | $474,051,800 | 1,397 |
| Average earning assets | $402,517,400 | 1,481 |
| Average equity | $39,865,000 | 1,696 |
| Average total loans | $355,805,600 | 1,192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 1,494 |
| Cost of funding earning assets | 1.9036% | 178 |
| Net interest margin | 3.5026% | 5,178 |
| Noninterest income to average assets | 0.2668% | 5,706 |
| Noninterest expense to average assets | 3.1695% | 2,928 |
| Loan and lease loss provision to assets | 1.6660% | 381 |
| Net operating income to assets | -0.9216% | 6,852 |
| Return on assets (ROA) | -0.9216% | 6,889 |
| Pretax return on assets | -1.5712% | 7,035 |
| Return on Equity (ROE) | -10.8536% | 6,916 |
| Retained earnings to average equity (ytd only) | -10.8536% | 6,884 |
| Net charge-offs to loans | 2.6913% | 388 |
| Credit loss provision to net charge-offs | 81.4936% | 4,098 |
| Earnings coverage of net charge-offs (x) | 0.0464% | 5,563 |
| Efficiency ratio | 97.0961% | 767 |
| Assets per employee ($millions) | 5.3226% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9661% | 402 |
| Loan loss allowance to noncurrent loans | 36.5019% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 13.3615% | 180 |
| Noncurrent loans to loans | 10.8653% | 300 |
| Net loans and leases to total assets | 70.9474% | 1,910 |
| Net loans and leases to deposits | 96.7424% | 659 |
| Net loans and leases to core deposits | 103.8456% | 990 |
| Total domestic deposits to total assets | 73.3364% | 6,825 |
| Equity capital to assets | 8.2393% | 6,535 |
| Core capital (leverage) ratio | 6.9891% | 6,962 |
| Tier 1 risk-based capital ratio | 8.8104% | 7,134 |
| Total risk-based capital ratio | 13.3536% | 5,810 |
| Memoranda: | ||
| Average total assets | $476,822,500 | 1,402 |
| Average earning assets | $408,067,750 | 1,476 |
| Average equity | $40,489,500 | 1,663 |
| Average total loans | $362,191,500 | 1,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 1,318 |
| Cost of funding earning assets | 1.9265% | 187 |
| Net interest margin | 3.5633% | 4,865 |
| Noninterest income to average assets | 0.2915% | 5,547 |
| Noninterest expense to average assets | 3.0965% | 3,268 |
| Loan and lease loss provision to assets | 2.0849% | 287 |
| Net operating income to assets | -1.0687% | 6,963 |
| Return on assets (ROA) | -1.0687% | 6,974 |
| Pretax return on assets | -1.8164% | 7,133 |
| Return on Equity (ROE) | -12.4653% | 6,995 |
| Retained earnings to average equity (ytd only) | -12.4653% | 6,953 |
| Net charge-offs to loans | 3.3011% | 286 |
| Credit loss provision to net charge-offs | 82.4131% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.1061% | 5,212 |
| Efficiency ratio | 92.0198% | 1,096 |
| Assets per employee ($millions) | 5.2323% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9545% | 430 |
| Loan loss allowance to noncurrent loans | 36.0701% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 12.9453% | 215 |
| Noncurrent loans to loans | 10.9634% | 322 |
| Net loans and leases to total assets | 72.2585% | 1,739 |
| Net loans and leases to deposits | 99.0329% | 540 |
| Net loans and leases to core deposits | 106.4488% | 902 |
| Total domestic deposits to total assets | 72.9642% | 6,927 |
| Equity capital to assets | 8.3529% | 6,359 |
| Core capital (leverage) ratio | 7.0496% | 6,978 |
| Tier 1 risk-based capital ratio | 8.9948% | 7,178 |
| Total risk-based capital ratio | 13.6923% | 5,385 |
| Memoranda: | ||
| Average total assets | $479,632,670 | 1,403 |
| Average earning assets | $413,713,670 | 1,467 |
| Average equity | $41,122,000 | 1,628 |
| Average total loans | $367,576,670 | 1,184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 1,068 |
| Cost of funding earning assets | 2.0091% | 162 |
| Net interest margin | 3.5848% | 4,639 |
| Noninterest income to average assets | 0.3529% | 5,076 |
| Noninterest expense to average assets | 2.8703% | 4,191 |
| Loan and lease loss provision to assets | 0.4132% | 2,125 |
| Net operating income to assets | 0.1264% | 6,021 |
| Return on assets (ROA) | 0.1264% | 6,080 |
| Pretax return on assets | 0.1868% | 5,972 |
| Return on Equity (ROE) | 1.4566% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.4566% | 5,233 |
| Net charge-offs to loans | 0.2042% | 3,283 |
| Credit loss provision to net charge-offs | 261.7801% | 1,201 |
| Earnings coverage of net charge-offs (x) | 3.8010% | 2,629 |
| Efficiency ratio | 82.7102% | 2,119 |
| Assets per employee ($millions) | 5.3512% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1772% | 377 |
| Loan loss allowance to noncurrent loans | 28.3670% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 15.3073% | 153 |
| Noncurrent loans to loans | 14.7256% | 162 |
| Net loans and leases to total assets | 73.2843% | 1,462 |
| Net loans and leases to deposits | 100.2141% | 455 |
| Net loans and leases to core deposits | 107.8419% | 846 |
| Total domestic deposits to total assets | 73.1277% | 6,988 |
| Equity capital to assets | 8.7386% | 5,595 |
| Core capital (leverage) ratio | 8.2773% | 5,848 |
| Tier 1 risk-based capital ratio | 10.6469% | 6,723 |
| Total risk-based capital ratio | 15.2972% | 4,024 |
| Memoranda: | ||
| Average total assets | $483,996,500 | 1,396 |
| Average earning assets | $420,885,500 | 1,458 |
| Average equity | $42,016,000 | 1,583 |
| Average total loans | $374,225,500 | 1,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1250% | 667 |
| Cost of funding earning assets | 2.2563% | 247 |
| Net interest margin | 3.8687% | 3,645 |
| Noninterest income to average assets | 0.3991% | 4,916 |
| Noninterest expense to average assets | 2.4143% | 6,061 |
| Loan and lease loss provision to assets | 1.0662% | 1,505 |
| Net operating income to assets | 0.2358% | 5,157 |
| Return on assets (ROA) | 0.2358% | 5,310 |
| Pretax return on assets | 0.3722% | 5,024 |
| Return on Equity (ROE) | 2.8271% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.8271% | 3,868 |
| Net charge-offs to loans | 1.1070% | 2,014 |
| Credit loss provision to net charge-offs | 115.7347% | 3,726 |
| Earnings coverage of net charge-offs (x) | 1.5613% | 4,569 |
| Efficiency ratio | 62.6658% | 5,590 |
| Assets per employee ($millions) | 5.4042% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9664% | 419 |
| Loan loss allowance to noncurrent loans | 27.7049% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 14.8883% | 169 |
| Noncurrent loans to loans | 14.3166% | 188 |
| Net loans and leases to total assets | 75.0527% | 1,466 |
| Net loans and leases to deposits | 101.6705% | 498 |
| Net loans and leases to core deposits | 109.9074% | 924 |
| Total domestic deposits to total assets | 73.8195% | 6,918 |
| Equity capital to assets | 8.6241% | 5,689 |
| Core capital (leverage) ratio | 7.8668% | 6,361 |
| Tier 1 risk-based capital ratio | 9.9327% | 7,009 |
| Total risk-based capital ratio | 14.4889% | 4,375 |
| Memoranda: | ||
| Average total assets | $500,849,400 | 1,339 |
| Average earning assets | $447,103,400 | 1,366 |
| Average equity | $41,774,800 | 1,584 |
| Average total loans | $416,802,000 | 1,072 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2500% | 559 |
| Cost of funding earning assets | 2.4372% | 178 |
| Net interest margin | 3.8128% | 3,919 |
| Noninterest income to average assets | 0.3909% | 5,031 |
| Noninterest expense to average assets | 2.0821% | 6,885 |
| Loan and lease loss provision to assets | 0.8537% | 1,775 |
| Net operating income to assets | 0.5381% | 4,143 |
| Return on assets (ROA) | 0.5381% | 4,312 |
| Pretax return on assets | 0.8777% | 3,630 |
| Return on Equity (ROE) | 6.5048% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.5048% | 2,089 |
| Net charge-offs to loans | 1.2933% | 1,579 |
| Credit loss provision to net charge-offs | 78.1704% | 5,190 |
| Earnings coverage of net charge-offs (x) | 1.5854% | 4,531 |
| Efficiency ratio | 54.5984% | 6,731 |
| Assets per employee ($millions) | 5.2303% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3199% | 623 |
| Loan loss allowance to noncurrent loans | 27.5138% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 12.3407% | 255 |
| Noncurrent loans to loans | 12.0663% | 287 |
| Net loans and leases to total assets | 79.6617% | 796 |
| Net loans and leases to deposits | 107.8004% | 302 |
| Net loans and leases to core deposits | 116.4600% | 732 |
| Total domestic deposits to total assets | 73.8974% | 6,927 |
| Equity capital to assets | 8.7007% | 6,011 |
| Core capital (leverage) ratio | 8.1908% | 6,056 |
| Tier 1 risk-based capital ratio | 10.1040% | 7,013 |
| Total risk-based capital ratio | 14.5197% | 4,340 |
| Memoranda: | ||
| Average total assets | $504,466,500 | 1,338 |
| Average earning assets | $452,852,500 | 1,367 |
| Average equity | $41,732,000 | 1,587 |
| Average total loans | $425,972,750 | 1,059 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2263% | 591 |
| Cost of funding earning assets | 2.3461% | 290 |
| Net interest margin | 3.8802% | 3,533 |
| Noninterest income to average assets | 0.3908% | 4,987 |
| Noninterest expense to average assets | 2.1166% | 6,849 |
| Loan and lease loss provision to assets | 0.8924% | 1,634 |
| Net operating income to assets | 0.5350% | 4,174 |
| Return on assets (ROA) | 0.5350% | 4,320 |
| Pretax return on assets | 0.8759% | 3,594 |
| Return on Equity (ROE) | 6.5775% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.5775% | 2,034 |
| Net charge-offs to loans | 1.0690% | 1,760 |
| Credit loss provision to net charge-offs | 98.0985% | 4,178 |
| Earnings coverage of net charge-offs (x) | 1.9438% | 4,062 |
| Efficiency ratio | 54.4829% | 6,817 |
| Assets per employee ($millions) | 5.4199% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3693% | 607 |
| Loan loss allowance to noncurrent loans | 30.2373% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 10.4423% | 367 |
| Noncurrent loans to loans | 11.1430% | 355 |
| Net loans and leases to total assets | 81.4101% | 613 |
| Net loans and leases to deposits | 109.4280% | 291 |
| Net loans and leases to core deposits | 118.2936% | 756 |
| Total domestic deposits to total assets | 74.3960% | 6,931 |
| Equity capital to assets | 8.3484% | 6,359 |
| Core capital (leverage) ratio | 7.9773% | 6,296 |
| Tier 1 risk-based capital ratio | 9.7332% | 7,168 |
| Total risk-based capital ratio | 14.0525% | 4,570 |
| Memoranda: | ||
| Average total assets | $508,739,330 | 1,332 |
| Average earning assets | $458,124,000 | 1,354 |
| Average equity | $41,383,670 | 1,593 |
| Average total loans | $432,929,000 | 1,051 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0627% | 854 |
| Cost of funding earning assets | 2.3899% | 314 |
| Net interest margin | 3.6728% | 4,383 |
| Noninterest income to average assets | 0.3193% | 5,594 |
| Noninterest expense to average assets | 2.0654% | 7,024 |
| Loan and lease loss provision to assets | 0.7122% | 1,791 |
| Net operating income to assets | 0.5205% | 4,288 |
| Return on assets (ROA) | 0.5205% | 4,427 |
| Pretax return on assets | 0.8578% | 3,634 |
| Return on Equity (ROE) | 6.4822% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.4822% | 2,366 |
| Net charge-offs to loans | 0.8703% | 1,811 |
| Credit loss provision to net charge-offs | 95.6887% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.1094% | 3,487 |
| Efficiency ratio | 56.8138% | 6,652 |
| Assets per employee ($millions) | 5.6414% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2940% | 639 |
| Loan loss allowance to noncurrent loans | 38.7605% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 8.2210% | 592 |
| Noncurrent loans to loans | 8.4982% | 610 |
| Net loans and leases to total assets | 81.8365% | 613 |
| Net loans and leases to deposits | 108.5500% | 328 |
| Net loans and leases to core deposits | 119.3068% | 808 |
| Total domestic deposits to total assets | 75.3907% | 6,848 |
| Equity capital to assets | 8.0597% | 6,589 |
| Core capital (leverage) ratio | 7.6266% | 6,704 |
| Tier 1 risk-based capital ratio | 9.2764% | 7,401 |
| Total risk-based capital ratio | 13.5648% | 4,852 |
| Memoranda: | ||
| Average total assets | $511,085,500 | 1,357 |
| Average earning assets | $461,446,500 | 1,375 |
| Average equity | $41,035,500 | 1,627 |
| Average total loans | $437,067,000 | 1,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7339% | 431 |
| Cost of funding earning assets | 2.7016% | 591 |
| Net interest margin | 4.0324% | 2,735 |
| Noninterest income to average assets | 0.4220% | 5,036 |
| Noninterest expense to average assets | 2.6862% | 5,452 |
| Loan and lease loss provision to assets | 2.1444% | 984 |
| Net operating income to assets | -0.4908% | 6,168 |
| Return on assets (ROA) | -0.4908% | 6,164 |
| Pretax return on assets | -0.7439% | 6,233 |
| Return on Equity (ROE) | -5.8026% | 6,284 |
| Retained earnings to average equity (ytd only) | -5.8026% | 6,120 |
| Net charge-offs to loans | 0.6106% | 3,386 |
| Credit loss provision to net charge-offs | 408.7591% | 774 |
| Earnings coverage of net charge-offs (x) | 2.6696% | 3,774 |
| Efficiency ratio | 54.9687% | 7,135 |
| Assets per employee ($millions) | 5.5913% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2638% | 624 |
| Loan loss allowance to noncurrent loans | 43.8949% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 7.3283% | 675 |
| Noncurrent loans to loans | 7.4355% | 716 |
| Net loans and leases to total assets | 83.5982% | 481 |
| Net loans and leases to deposits | 111.1581% | 345 |
| Net loans and leases to core deposits | 179.3070% | 169 |
| Total domestic deposits to total assets | 75.2066% | 6,829 |
| Equity capital to assets | 7.9982% | 6,582 |
| Core capital (leverage) ratio | 7.0636% | 7,187 |
| Tier 1 risk-based capital ratio | 8.3618% | 7,605 |
| Total risk-based capital ratio | 12.6093% | 5,506 |
| Memoranda: | ||
| Average total assets | $496,168,000 | 1,389 |
| Average earning assets | $450,926,200 | 1,404 |
| Average equity | $41,964,200 | 1,590 |
| Average total loans | $426,298,800 | 1,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7762% | 442 |
| Cost of funding earning assets | 2.7664% | 654 |
| Net interest margin | 4.0098% | 2,769 |
| Noninterest income to average assets | 0.4108% | 5,207 |
| Noninterest expense to average assets | 2.2731% | 6,773 |
| Loan and lease loss provision to assets | 2.7801% | 561 |
| Net operating income to assets | -0.5974% | 6,524 |
| Return on assets (ROA) | -0.5974% | 6,521 |
| Pretax return on assets | -0.9898% | 6,680 |
| Return on Equity (ROE) | -6.9658% | 6,655 |
| Retained earnings to average equity (ytd only) | -6.9658% | 6,504 |
| Net charge-offs to loans | 0.7954% | 2,377 |
| Credit loss provision to net charge-offs | 407.4514% | 977 |
| Earnings coverage of net charge-offs (x) | 2.6239% | 3,907 |
| Efficiency ratio | 55.9401% | 7,008 |
| Assets per employee ($millions) | 5.3925% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2343% | 543 |
| Loan loss allowance to noncurrent loans | 49.9432% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 6.7408% | 734 |
| Noncurrent loans to loans | 6.4759% | 891 |
| Net loans and leases to total assets | 84.8579% | 446 |
| Net loans and leases to deposits | 113.2095% | 358 |
| Net loans and leases to core deposits | 178.5021% | 196 |
| Total domestic deposits to total assets | 74.9565% | 6,777 |
| Equity capital to assets | 8.2500% | 6,562 |
| Core capital (leverage) ratio | 7.3663% | 7,112 |
| Tier 1 risk-based capital ratio | 9.1302% | 7,571 |
| Total risk-based capital ratio | 13.4464% | 4,746 |
| Memoranda: | ||
| Average total assets | $493,008,750 | 1,414 |
| Average earning assets | $449,087,250 | 1,425 |
| Average equity | $42,281,500 | 1,595 |
| Average total loans | $422,947,750 | 1,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7162% | 529 |
| Cost of funding earning assets | 2.8008% | 791 |
| Net interest margin | 3.9153% | 3,037 |
| Noninterest income to average assets | 0.3334% | 5,846 |
| Noninterest expense to average assets | 2.3383% | 6,647 |
| Loan and lease loss provision to assets | 1.5529% | 1,097 |
| Net operating income to assets | -0.0012% | 5,843 |
| Return on assets (ROA) | -0.0012% | 5,924 |
| Pretax return on assets | 0.0138% | 5,834 |
| Return on Equity (ROE) | -0.0140% | 5,929 |
| Retained earnings to average equity (ytd only) | -0.0140% | 5,215 |
| Net charge-offs to loans | 1.1497% | 1,587 |
| Credit loss provision to net charge-offs | 158.6379% | 2,900 |
| Earnings coverage of net charge-offs (x) | 1.6005% | 4,343 |
| Efficiency ratio | 59.8792% | 6,574 |
| Assets per employee ($millions) | 5.4559% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 2,093 |
| Loan loss allowance to noncurrent loans | 49.6561% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 4.3698% | 1,307 |
| Noncurrent loans to loans | 3.5936% | 1,947 |
| Net loans and leases to total assets | 82.9148% | 799 |
| Net loans and leases to deposits | 110.8827% | 522 |
| Net loans and leases to core deposits | 175.5030% | 262 |
| Total domestic deposits to total assets | 74.7770% | 6,808 |
| Equity capital to assets | 8.4033% | 6,187 |
| Core capital (leverage) ratio | 8.3065% | 5,786 |
| Tier 1 risk-based capital ratio | 9.4396% | 7,443 |
| Total risk-based capital ratio | 13.6545% | 4,523 |
| Memoranda: | ||
| Average total assets | $491,974,330 | 1,440 |
| Average earning assets | $448,798,330 | 1,442 |
| Average equity | $42,732,330 | 1,595 |
| Average total loans | $418,910,000 | 1,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6624% | 624 |
| Cost of funding earning assets | 3.0813% | 484 |
| Net interest margin | 3.5811% | 4,403 |
| Noninterest income to average assets | 0.2176% | 6,733 |
| Noninterest expense to average assets | 2.1456% | 7,022 |
| Loan and lease loss provision to assets | 2.8742% | 385 |
| Net operating income to assets | -0.9229% | 7,211 |
| Return on assets (ROA) | -0.9229% | 7,237 |
| Pretax return on assets | -1.5285% | 7,376 |
| Return on Equity (ROE) | -10.4442% | 7,392 |
| Retained earnings to average equity (ytd only) | -10.4442% | 7,154 |
| Net charge-offs to loans | 1.3771% | 1,029 |
| Credit loss provision to net charge-offs | 244.0056% | 1,909 |
| Earnings coverage of net charge-offs (x) | 1.1425% | 4,180 |
| Efficiency ratio | 61.4561% | 6,162 |
| Assets per employee ($millions) | 4.9666% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 1,376 |
| Loan loss allowance to noncurrent loans | 74.4101% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 3.1885% | 1,745 |
| Noncurrent loans to loans | 2.7102% | 2,424 |
| Net loans and leases to total assets | 86.0581% | 438 |
| Net loans and leases to deposits | 117.0349% | 356 |
| Net loans and leases to core deposits | 183.7286% | 213 |
| Total domestic deposits to total assets | 73.5320% | 6,962 |
| Equity capital to assets | 8.8923% | 5,493 |
| Core capital (leverage) ratio | 8.0864% | 6,319 |
| Tier 1 risk-based capital ratio | 9.7757% | 7,172 |
| Total risk-based capital ratio | 14.1977% | 4,138 |
| Memoranda: | ||
| Average total assets | $481,532,500 | 1,477 |
| Average earning assets | $440,198,500 | 1,474 |
| Average equity | $42,550,000 | 1,606 |
| Average total loans | $411,884,500 | 1,229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3543% | 540 |
| Cost of funding earning assets | 3.5099% | 500 |
| Net interest margin | 3.8444% | 3,820 |
| Noninterest income to average assets | 0.3903% | 5,557 |
| Noninterest expense to average assets | 2.3151% | 6,651 |
| Loan and lease loss provision to assets | 0.7740% | 1,931 |
| Net operating income to assets | 0.5220% | 4,643 |
| Return on assets (ROA) | 0.4307% | 4,848 |
| Pretax return on assets | 0.6642% | 4,504 |
| Return on Equity (ROE) | 5.5396% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.6627% | 2,227 |
| Net charge-offs to loans | 0.0516% | 6,054 |
| Credit loss provision to net charge-offs | 1,702.5000% | 252 |
| Earnings coverage of net charge-offs (x) | 34.7250% | 1,050 |
| Efficiency ratio | 59.4571% | 6,440 |
| Assets per employee ($millions) | 5.1710% | 1,758 |
| Cash dividends to net income (ytd only)* | 15.8311% | 4,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,488 |
| Loan loss allowance to noncurrent loans | 60.3691% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.7078% | 1,743 |
| Noncurrent loans to loans | 2.5549% | 2,130 |
| Net loans and leases to total assets | 82.0484% | 1,221 |
| Net loans and leases to deposits | 110.1854% | 819 |
| Net loans and leases to core deposits | 146.2908% | 1,009 |
| Total domestic deposits to total assets | 74.4639% | 6,565 |
| Equity capital to assets | 8.7826% | 5,683 |
| Core capital (leverage) ratio | 8.6414% | 5,300 |
| Tier 1 risk-based capital ratio | 10.2437% | 6,474 |
| Total risk-based capital ratio | 14.6408% | 3,781 |
| Memoranda: | ||
| Average total assets | $439,939,800 | 1,555 |
| Average earning assets | $400,921,600 | 1,558 |
| Average equity | $34,208,000 | 1,985 |
| Average total loans | $387,862,000 | 1,249 |