Home > Chesapeake Bank of Maryland > Performance and Condition Ratios
Chesapeake Bank of Maryland, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0950% | 3,316 |
| Cost of funding earning assets | 0.4207% | 799 |
| Net interest margin | 2.6743% | 3,756 |
| Noninterest income to average assets | 0.1309% | 4,349 |
| Noninterest expense to average assets | 2.6360% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0569% | 4,549 |
| Return on assets (ROA) | 0.0569% | 4,516 |
| Pretax return on assets | 0.0886% | 4,499 |
| Return on Equity (ROE) | 0.3065% | 4,533 |
| Retained earnings to average equity (ytd only) | 0.3065% | 4,135 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7482% | 237 |
| Assets per employee ($millions) | 6.1911% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,344 |
| Loan loss allowance to noncurrent loans | 825.5208% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,188 |
| Noncurrent loans to loans | 0.1279% | 3,078 |
| Net loans and leases to total assets | 61.5035% | 2,172 |
| Net loans and leases to deposits | 78.1606% | 1,528 |
| Net loans and leases to core deposits | 85.1844% | 1,385 |
| Total domestic deposits to total assets | 78.6886% | 4,314 |
| Equity capital to assets | 19.0770% | 190 |
| Core capital (leverage) ratio | 19.3878% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0284% | 136 |
| Memoranda: | ||
| Average total assets | $246,057,333 | 2,793 |
| Average earning assets | $238,646,000 | 2,732 |
| Average equity | $45,683,333 | 1,808 |
| Average total loans | $148,114,333 | 2,668 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9464% | 3,409 |
| Cost of funding earning assets | 0.4313% | 717 |
| Net interest margin | 2.5151% | 3,874 |
| Noninterest income to average assets | 0.1208% | 4,402 |
| Noninterest expense to average assets | 2.5238% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0161% | 4,540 |
| Return on assets (ROA) | 0.0161% | 4,520 |
| Pretax return on assets | 0.0387% | 4,496 |
| Return on Equity (ROE) | 0.0879% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.0879% | 3,999 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4915% | 268 |
| Assets per employee ($millions) | 6.3432% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,328 |
| Loan loss allowance to noncurrent loans | 441.5042% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 2,779 |
| Noncurrent loans to loans | 0.2489% | 2,598 |
| Net loans and leases to total assets | 57.6614% | 2,332 |
| Net loans and leases to deposits | 72.9832% | 1,697 |
| Net loans and leases to core deposits | 79.9154% | 1,488 |
| Total domestic deposits to total assets | 79.0063% | 4,346 |
| Equity capital to assets | 17.8940% | 230 |
| Core capital (leverage) ratio | 18.0628% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6499% | 152 |
| Memoranda: | ||
| Average total assets | $248,359,500 | 2,795 |
| Average earning assets | $241,104,000 | 2,727 |
| Average equity | $45,494,000 | 1,867 |
| Average total loans | $147,128,000 | 2,667 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3188% | 3,147 |
| Cost of funding earning assets | 0.5579% | 677 |
| Net interest margin | 2.7608% | 3,751 |
| Noninterest income to average assets | 0.7836% | 1,495 |
| Noninterest expense to average assets | 2.7553% | 1,472 |
| Loan and lease loss provision to assets | -0.0613% | 4,411 |
| Net operating income to assets | 0.6108% | 3,848 |
| Return on assets (ROA) | 0.6108% | 3,896 |
| Pretax return on assets | 0.7419% | 3,855 |
| Return on Equity (ROE) | 3.2975% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.2975% | 3,495 |
| Net charge-offs to loans | -0.0052% | 3,561 |
| Credit loss provision to net charge-offs | 1,875.0000% | 322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1902% | 793 |
| Assets per employee ($millions) | 6.3932% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,542 |
| Loan loss allowance to noncurrent loans | 600.3788% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 3,189 |
| Noncurrent loans to loans | 0.1760% | 3,066 |
| Net loans and leases to total assets | 59.5348% | 2,209 |
| Net loans and leases to deposits | 76.0787% | 1,561 |
| Net loans and leases to core deposits | 83.6551% | 1,351 |
| Total domestic deposits to total assets | 78.2542% | 4,370 |
| Equity capital to assets | 18.7382% | 226 |
| Core capital (leverage) ratio | 18.7354% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4644% | 162 |
| Memoranda: | ||
| Average total assets | $244,762,400 | 2,767 |
| Average earning assets | $235,146,600 | 2,712 |
| Average equity | $45,338,000 | 1,910 |
| Average total loans | $153,509,000 | 2,599 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 3,091 |
| Cost of funding earning assets | 0.5891% | 674 |
| Net interest margin | 2.8156% | 3,748 |
| Noninterest income to average assets | 0.5484% | 2,413 |
| Noninterest expense to average assets | 2.8454% | 1,228 |
| Loan and lease loss provision to assets | -0.0821% | 4,560 |
| Net operating income to assets | 0.3317% | 4,475 |
| Return on assets (ROA) | 0.3317% | 4,503 |
| Pretax return on assets | 0.4822% | 4,390 |
| Return on Equity (ROE) | 1.7958% | 4,621 |
| Retained earnings to average equity (ytd only) | 1.7958% | 4,247 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6728% | 377 |
| Assets per employee ($millions) | 6.4199% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,745 |
| Loan loss allowance to noncurrent loans | 595.0943% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 3,399 |
| Noncurrent loans to loans | 0.1729% | 3,256 |
| Net loans and leases to total assets | 60.5805% | 2,185 |
| Net loans and leases to deposits | 77.2068% | 1,553 |
| Net loans and leases to core deposits | 85.4910% | 1,324 |
| Total domestic deposits to total assets | 78.4652% | 4,379 |
| Equity capital to assets | 18.2134% | 261 |
| Core capital (leverage) ratio | 18.1021% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4795% | 204 |
| Memoranda: | ||
| Average total assets | $243,619,250 | 2,791 |
| Average earning assets | $233,359,750 | 2,747 |
| Average equity | $44,992,250 | 1,942 |
| Average total loans | $154,379,750 | 2,633 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 3,049 |
| Cost of funding earning assets | 0.6172% | 679 |
| Net interest margin | 2.8239% | 3,738 |
| Noninterest income to average assets | 0.6223% | 2,118 |
| Noninterest expense to average assets | 3.0128% | 965 |
| Loan and lease loss provision to assets | -0.0829% | 4,590 |
| Net operating income to assets | 0.2660% | 4,566 |
| Return on assets (ROA) | 0.2660% | 4,582 |
| Pretax return on assets | 0.3952% | 4,506 |
| Return on Equity (ROE) | 1.4334% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.4334% | 4,254 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6055% | 326 |
| Assets per employee ($millions) | 6.2446% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,581 |
| Loan loss allowance to noncurrent loans | 643.0830% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 3,542 |
| Noncurrent loans to loans | 0.1651% | 3,388 |
| Net loans and leases to total assets | 60.7086% | 2,335 |
| Net loans and leases to deposits | 77.2001% | 1,709 |
| Net loans and leases to core deposits | 85.4739% | 1,457 |
| Total domestic deposits to total assets | 78.6380% | 4,373 |
| Equity capital to assets | 18.0667% | 263 |
| Core capital (leverage) ratio | 18.4893% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1378% | 215 |
| Memoranda: | ||
| Average total assets | $241,367,000 | 2,802 |
| Average earning assets | $231,030,667 | 2,755 |
| Average equity | $44,789,000 | 1,941 |
| Average total loans | $154,754,333 | 2,640 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 3,052 |
| Cost of funding earning assets | 0.6639% | 636 |
| Net interest margin | 2.7949% | 3,777 |
| Noninterest income to average assets | 0.6392% | 2,068 |
| Noninterest expense to average assets | 2.9482% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2344% | 4,608 |
| Return on assets (ROA) | 0.2344% | 4,630 |
| Pretax return on assets | 0.3609% | 4,541 |
| Return on Equity (ROE) | 1.2461% | 4,688 |
| Retained earnings to average equity (ytd only) | 1.2461% | 4,168 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0928% | 407 |
| Assets per employee ($millions) | 5.8445% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,349 |
| Loan loss allowance to noncurrent loans | 503.4985% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,989 |
| Noncurrent loans to loans | 0.2218% | 3,302 |
| Net loans and leases to total assets | 63.8030% | 2,070 |
| Net loans and leases to deposits | 82.0664% | 1,331 |
| Net loans and leases to core deposits | 90.9679% | 1,173 |
| Total domestic deposits to total assets | 77.7456% | 4,460 |
| Equity capital to assets | 18.6829% | 233 |
| Core capital (leverage) ratio | 18.6198% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9496% | 258 |
| Memoranda: | ||
| Average total assets | $237,158,000 | 2,818 |
| Average earning assets | $226,552,500 | 2,772 |
| Average equity | $44,619,500 | 1,930 |
| Average total loans | $155,497,500 | 2,642 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 2,754 |
| Cost of funding earning assets | 0.8175% | 1,139 |
| Net interest margin | 3.1746% | 3,419 |
| Noninterest income to average assets | 0.6221% | 2,132 |
| Noninterest expense to average assets | 2.9242% | 1,620 |
| Loan and lease loss provision to assets | 0.1521% | 2,472 |
| Net operating income to assets | 0.3930% | 4,259 |
| Return on assets (ROA) | 0.4421% | 4,240 |
| Pretax return on assets | 0.6381% | 3,998 |
| Return on Equity (ROE) | 2.3477% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.3477% | 3,686 |
| Net charge-offs to loans | 0.0012% | 3,380 |
| Credit loss provision to net charge-offs | 17,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 837.5000% | 145 |
| Efficiency ratio | 80.0643% | 891 |
| Assets per employee ($millions) | 5.8673% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,439 |
| Loan loss allowance to noncurrent loans | 918.6170% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 2,357 |
| Noncurrent loans to loans | 0.1202% | 3,805 |
| Net loans and leases to total assets | 65.8964% | 2,108 |
| Net loans and leases to deposits | 85.0578% | 1,345 |
| Net loans and leases to core deposits | 97.4948% | 1,035 |
| Total domestic deposits to total assets | 77.4725% | 4,369 |
| Equity capital to assets | 18.9483% | 231 |
| Core capital (leverage) ratio | 18.6629% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5313% | 256 |
| Memoranda: | ||
| Average total assets | $230,044,600 | 2,714 |
| Average earning assets | $219,583,800 | 2,674 |
| Average equity | $43,319,000 | 1,897 |
| Average total loans | $163,537,600 | 2,540 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 2,849 |
| Cost of funding earning assets | 0.8413% | 1,304 |
| Net interest margin | 3.2016% | 3,490 |
| Noninterest income to average assets | 0.5219% | 2,516 |
| Noninterest expense to average assets | 2.9953% | 1,452 |
| Loan and lease loss provision to assets | 0.2040% | 1,958 |
| Net operating income to assets | 0.2488% | 4,524 |
| Return on assets (ROA) | 0.3146% | 4,470 |
| Pretax return on assets | 0.4608% | 4,360 |
| Return on Equity (ROE) | 1.6732% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.6732% | 4,037 |
| Net charge-offs to loans | 0.0016% | 3,158 |
| Credit loss provision to net charge-offs | 17,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 230 |
| Efficiency ratio | 83.7459% | 622 |
| Assets per employee ($millions) | 5.6536% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,482 |
| Loan loss allowance to noncurrent loans | 363.5789% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 2,086 |
| Noncurrent loans to loans | 0.2880% | 3,247 |
| Net loans and leases to total assets | 70.4199% | 1,886 |
| Net loans and leases to deposits | 91.0096% | 1,160 |
| Net loans and leases to core deposits | 103.7698% | 940 |
| Total domestic deposits to total assets | 77.3764% | 4,277 |
| Equity capital to assets | 18.8798% | 244 |
| Core capital (leverage) ratio | 18.2760% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4551% | 294 |
| Memoranda: | ||
| Average total assets | $228,883,000 | 2,707 |
| Average earning assets | $218,386,250 | 2,670 |
| Average equity | $43,031,250 | 1,896 |
| Average total loans | $165,327,000 | 2,531 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 2,883 |
| Cost of funding earning assets | 0.8598% | 1,546 |
| Net interest margin | 3.3001% | 3,388 |
| Noninterest income to average assets | 0.3887% | 3,147 |
| Noninterest expense to average assets | 3.0126% | 1,544 |
| Loan and lease loss provision to assets | 0.2852% | 1,507 |
| Net operating income to assets | 0.1475% | 4,635 |
| Return on assets (ROA) | 0.2466% | 4,552 |
| Pretax return on assets | 0.3624% | 4,452 |
| Return on Equity (ROE) | 1.3135% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.3135% | 4,005 |
| Net charge-offs to loans | 0.0036% | 2,853 |
| Credit loss provision to net charge-offs | 10,833.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 198.3333% | 457 |
| Efficiency ratio | 85.2284% | 574 |
| Assets per employee ($millions) | 5.3401% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,525 |
| Loan loss allowance to noncurrent loans | 344.3320% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 2,194 |
| Noncurrent loans to loans | 0.2932% | 3,330 |
| Net loans and leases to total assets | 70.9936% | 1,874 |
| Net loans and leases to deposits | 93.6940% | 988 |
| Net loans and leases to core deposits | 107.3458% | 841 |
| Total domestic deposits to total assets | 75.7717% | 4,449 |
| Equity capital to assets | 18.4074% | 271 |
| Core capital (leverage) ratio | 18.1788% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9534% | 311 |
| Memoranda: | ||
| Average total assets | $227,911,333 | 2,694 |
| Average earning assets | $217,268,000 | 2,654 |
| Average equity | $42,787,333 | 1,893 |
| Average total loans | $165,449,667 | 2,513 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,995 |
| Cost of funding earning assets | 0.9022% | 1,852 |
| Net interest margin | 3.3730% | 3,388 |
| Noninterest income to average assets | 0.3530% | 3,408 |
| Noninterest expense to average assets | 2.9325% | 2,044 |
| Loan and lease loss provision to assets | 0.3120% | 992 |
| Net operating income to assets | 0.2083% | 4,511 |
| Return on assets (ROA) | 0.2745% | 4,423 |
| Pretax return on assets | 0.4047% | 4,285 |
| Return on Equity (ROE) | 1.4475% | 4,560 |
| Retained earnings to average equity (ytd only) | 1.4475% | 3,615 |
| Net charge-offs to loans | 0.0073% | 2,305 |
| Credit loss provision to net charge-offs | 5,833.3333% | 133 |
| Earnings coverage of net charge-offs (x) | 118.3333% | 516 |
| Efficiency ratio | 82.2500% | 960 |
| Assets per employee ($millions) | 5.3122% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 4,001 |
| Loan loss allowance to noncurrent loans | 585.2830% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 2,544 |
| Noncurrent loans to loans | 0.1592% | 3,890 |
| Net loans and leases to total assets | 72.2040% | 1,889 |
| Net loans and leases to deposits | 97.4960% | 780 |
| Net loans and leases to core deposits | 113.5387% | 682 |
| Total domestic deposits to total assets | 74.0584% | 4,657 |
| Equity capital to assets | 18.8114% | 301 |
| Core capital (leverage) ratio | 18.9227% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5219% | 316 |
| Memoranda: | ||
| Average total assets | $224,384,500 | 2,676 |
| Average earning assets | $213,699,500 | 2,633 |
| Average equity | $42,555,500 | 1,895 |
| Average total loans | $163,919,000 | 2,497 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 3,397 |
| Cost of funding earning assets | 0.8829% | 2,269 |
| Net interest margin | 3.4662% | 3,546 |
| Noninterest income to average assets | 0.2713% | 4,053 |
| Noninterest expense to average assets | 2.9510% | 2,144 |
| Loan and lease loss provision to assets | 0.0802% | 2,392 |
| Net operating income to assets | 0.3845% | 4,622 |
| Return on assets (ROA) | 0.3845% | 4,652 |
| Pretax return on assets | 0.5412% | 4,506 |
| Return on Equity (ROE) | 2.0412% | 4,794 |
| Retained earnings to average equity (ytd only) | 2.0412% | 3,984 |
| Net charge-offs to loans | -0.0107% | 4,485 |
| Credit loss provision to net charge-offs | -1,093.7500% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6065% | 762 |
| Assets per employee ($millions) | 5.0078% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,141 |
| Loan loss allowance to noncurrent loans | 281.4286% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 2,078 |
| Noncurrent loans to loans | 0.3037% | 3,348 |
| Net loans and leases to total assets | 72.6028% | 1,993 |
| Net loans and leases to deposits | 93.0017% | 1,257 |
| Net loans and leases to core deposits | 110.4700% | 826 |
| Total domestic deposits to total assets | 78.0661% | 4,348 |
| Equity capital to assets | 19.1251% | 290 |
| Core capital (leverage) ratio | 19.0755% | 274 |
| Tier 1 risk-based capital ratio | 27.7374% | 577 |
| Total risk-based capital ratio | 28.6828% | 578 |
| Memoranda: | ||
| Average total assets | $218,228,600 | 2,676 |
| Average earning assets | $207,836,600 | 2,627 |
| Average equity | $41,104,000 | 1,882 |
| Average total loans | $149,011,000 | 2,633 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 3,457 |
| Cost of funding earning assets | 0.8710% | 2,364 |
| Net interest margin | 3.4950% | 3,574 |
| Noninterest income to average assets | 0.2156% | 4,436 |
| Noninterest expense to average assets | 2.9036% | 2,256 |
| Loan and lease loss provision to assets | 0.0551% | 2,807 |
| Net operating income to assets | 0.4299% | 4,661 |
| Return on assets (ROA) | 0.4299% | 4,693 |
| Pretax return on assets | 0.5843% | 4,569 |
| Return on Equity (ROE) | 2.2916% | 4,869 |
| Retained earnings to average equity (ytd only) | 2.2916% | 4,176 |
| Net charge-offs to loans | -0.0228% | 4,617 |
| Credit loss provision to net charge-offs | -360.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9533% | 759 |
| Assets per employee ($millions) | 5.0606% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,134 |
| Loan loss allowance to noncurrent loans | 294.1309% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 2,229 |
| Noncurrent loans to loans | 0.2978% | 3,472 |
| Net loans and leases to total assets | 67.7737% | 2,818 |
| Net loans and leases to deposits | 85.9019% | 2,200 |
| Net loans and leases to core deposits | 101.7623% | 1,524 |
| Total domestic deposits to total assets | 78.8966% | 4,207 |
| Equity capital to assets | 19.1705% | 300 |
| Core capital (leverage) ratio | 18.8738% | 296 |
| Tier 1 risk-based capital ratio | 30.2389% | 476 |
| Total risk-based capital ratio | 31.2208% | 476 |
| Memoranda: | ||
| Average total assets | $217,699,750 | 2,705 |
| Average earning assets | $207,259,500 | 2,656 |
| Average equity | $40,844,750 | 1,902 |
| Average total loans | $145,925,000 | 2,684 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 3,598 |
| Cost of funding earning assets | 0.8465% | 2,413 |
| Net interest margin | 3.4682% | 3,692 |
| Noninterest income to average assets | 0.1810% | 4,664 |
| Noninterest expense to average assets | 2.8264% | 2,497 |
| Loan and lease loss provision to assets | 0.1378% | 1,341 |
| Net operating income to assets | 0.3812% | 4,760 |
| Return on assets (ROA) | 0.3812% | 4,781 |
| Pretax return on assets | 0.5172% | 4,674 |
| Return on Equity (ROE) | 2.0466% | 4,931 |
| Retained earnings to average equity (ytd only) | 2.0466% | 4,095 |
| Net charge-offs to loans | 0.0690% | 1,672 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 14.2600% | 2,045 |
| Efficiency ratio | 81.1873% | 865 |
| Assets per employee ($millions) | 5.1308% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 4,132 |
| Loan loss allowance to noncurrent loans | 138.6437% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8041% | 1,749 |
| Noncurrent loans to loans | 0.6427% | 2,334 |
| Net loans and leases to total assets | 64.9364% | 3,247 |
| Net loans and leases to deposits | 81.6177% | 2,773 |
| Net loans and leases to core deposits | 96.3554% | 2,031 |
| Total domestic deposits to total assets | 79.5617% | 4,126 |
| Equity capital to assets | 18.6561% | 316 |
| Core capital (leverage) ratio | 18.5574% | 305 |
| Tier 1 risk-based capital ratio | 30.3532% | 471 |
| Total risk-based capital ratio | 31.3423% | 471 |
| Memoranda: | ||
| Average total assets | $217,731,330 | 2,712 |
| Average earning assets | $207,199,000 | 2,666 |
| Average equity | $40,554,330 | 1,908 |
| Average total loans | $144,972,670 | 2,710 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 3,731 |
| Cost of funding earning assets | 0.8247% | 2,400 |
| Net interest margin | 3.4194% | 3,836 |
| Noninterest income to average assets | 0.1701% | 4,720 |
| Noninterest expense to average assets | 2.6447% | 3,067 |
| Loan and lease loss provision to assets | 0.1664% | 1,011 |
| Net operating income to assets | 0.4531% | 4,636 |
| Return on assets (ROA) | 0.4531% | 4,653 |
| Pretax return on assets | 0.6103% | 4,494 |
| Return on Equity (ROE) | 2.4347% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.4347% | 3,945 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2973% | 1,348 |
| Assets per employee ($millions) | 5.0502% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,267 |
| Loan loss allowance to noncurrent loans | 103.3145% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 1,452 |
| Noncurrent loans to loans | 0.8435% | 1,950 |
| Net loans and leases to total assets | 66.9396% | 2,908 |
| Net loans and leases to deposits | 84.2247% | 2,364 |
| Net loans and leases to core deposits | 100.2144% | 1,605 |
| Total domestic deposits to total assets | 79.4773% | 4,255 |
| Equity capital to assets | 18.6830% | 299 |
| Core capital (leverage) ratio | 18.6238% | 298 |
| Tier 1 risk-based capital ratio | 29.4750% | 494 |
| Total risk-based capital ratio | 30.4371% | 496 |
| Memoranda: | ||
| Average total assets | $216,284,500 | 2,754 |
| Average earning assets | $205,651,000 | 2,711 |
| Average equity | $40,251,500 | 1,920 |
| Average total loans | $145,182,000 | 2,738 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 3,508 |
| Cost of funding earning assets | 0.5946% | 2,767 |
| Net interest margin | 3.5803% | 3,449 |
| Noninterest income to average assets | 0.2979% | 4,113 |
| Noninterest expense to average assets | 2.9147% | 2,301 |
| Loan and lease loss provision to assets | 0.1538% | 1,373 |
| Net operating income to assets | 0.4594% | 4,749 |
| Return on assets (ROA) | 0.4594% | 4,749 |
| Pretax return on assets | 0.6158% | 4,606 |
| Return on Equity (ROE) | 3.0893% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.0893% | 3,852 |
| Net charge-offs to loans | 0.0631% | 2,222 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 16.6778% | 2,234 |
| Efficiency ratio | 79.1122% | 1,029 |
| Assets per employee ($millions) | 5.0142% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 4,307 |
| Loan loss allowance to noncurrent loans | 79.1878% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1321% | 1,173 |
| Noncurrent loans to loans | 1.0940% | 1,484 |
| Net loans and leases to total assets | 66.2342% | 3,099 |
| Net loans and leases to deposits | 83.2247% | 2,600 |
| Net loans and leases to core deposits | 98.9290% | 1,798 |
| Total domestic deposits to total assets | 79.5848% | 4,196 |
| Equity capital to assets | 18.6124% | 295 |
| Core capital (leverage) ratio | 18.5441% | 291 |
| Tier 1 risk-based capital ratio | 29.7639% | 477 |
| Total risk-based capital ratio | 30.7169% | 484 |
| Memoranda: | ||
| Average total assets | $195,043,000 | 2,915 |
| Average earning assets | $184,484,200 | 2,873 |
| Average equity | $29,003,200 | 2,395 |
| Average total loans | $142,535,000 | 2,735 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,625 |
| Cost of funding earning assets | 0.5211% | 3,052 |
| Net interest margin | 3.5800% | 3,435 |
| Noninterest income to average assets | 0.3321% | 3,933 |
| Noninterest expense to average assets | 2.8175% | 2,578 |
| Loan and lease loss provision to assets | 0.1580% | 1,226 |
| Net operating income to assets | 0.5561% | 4,630 |
| Return on assets (ROA) | 0.5561% | 4,638 |
| Pretax return on assets | 0.7379% | 4,448 |
| Return on Equity (ROE) | 4.0271% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.0271% | 3,757 |
| Net charge-offs to loans | 0.0675% | 1,870 |
| Credit loss provision to net charge-offs | 312.5000% | 989 |
| Earnings coverage of net charge-offs (x) | 17.7218% | 2,097 |
| Efficiency ratio | 75.8745% | 1,367 |
| Assets per employee ($millions) | 5.0579% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 4,546 |
| Loan loss allowance to noncurrent loans | 115.0725% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 1,691 |
| Noncurrent loans to loans | 0.7144% | 2,290 |
| Net loans and leases to total assets | 66.0685% | 3,165 |
| Net loans and leases to deposits | 82.7179% | 2,740 |
| Net loans and leases to core deposits | 98.3895% | 1,903 |
| Total domestic deposits to total assets | 79.8720% | 4,148 |
| Equity capital to assets | 18.1403% | 324 |
| Core capital (leverage) ratio | 20.2031% | 227 |
| Tier 1 risk-based capital ratio | 30.0248% | 477 |
| Total risk-based capital ratio | 30.9556% | 486 |
| Memoranda: | ||
| Average total assets | $189,901,500 | 2,985 |
| Average earning assets | $179,361,750 | 2,953 |
| Average equity | $26,221,500 | 2,570 |
| Average total loans | $142,155,000 | 2,758 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 3,063 |
| Cost of funding earning assets | 0.5220% | 2,818 |
| Net interest margin | 3.6951% | 2,948 |
| Noninterest income to average assets | 0.3287% | 3,989 |
| Noninterest expense to average assets | 2.9484% | 2,201 |
| Loan and lease loss provision to assets | 0.1660% | 1,107 |
| Net operating income to assets | 0.5235% | 4,692 |
| Return on assets (ROA) | 0.5235% | 4,698 |
| Pretax return on assets | 0.6928% | 4,534 |
| Return on Equity (ROE) | 4.3373% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.3373% | 3,431 |
| Net charge-offs to loans | 0.1019% | 1,334 |
| Credit loss provision to net charge-offs | 208.3333% | 1,268 |
| Earnings coverage of net charge-offs (x) | 10.7778% | 2,311 |
| Efficiency ratio | 77.4419% | 1,253 |
| Assets per employee ($millions) | 4.1858% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 4,718 |
| Loan loss allowance to noncurrent loans | 165.8247% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 1,789 |
| Noncurrent loans to loans | 0.4783% | 3,005 |
| Net loans and leases to total assets | 75.7907% | 1,670 |
| Net loans and leases to deposits | 86.5041% | 2,268 |
| Net loans and leases to core deposits | 92.4228% | 2,364 |
| Total domestic deposits to total assets | 87.6152% | 1,581 |
| Equity capital to assets | 11.9548% | 1,881 |
| Core capital (leverage) ratio | 12.2067% | 1,594 |
| Tier 1 risk-based capital ratio | 17.0922% | 2,067 |
| Total risk-based capital ratio | 17.9859% | 2,129 |
| Memoranda: | ||
| Average total assets | $180,706,000 | 3,085 |
| Average earning assets | $170,115,000 | 3,062 |
| Average equity | $21,811,000 | 2,939 |
| Average total loans | $141,246,000 | 2,780 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,768 |
| Cost of funding earning assets | 0.5112% | 2,714 |
| Net interest margin | 3.7232% | 2,717 |
| Noninterest income to average assets | 0.3375% | 3,901 |
| Noninterest expense to average assets | 2.9189% | 2,293 |
| Loan and lease loss provision to assets | 0.1676% | 1,058 |
| Net operating income to assets | 0.5722% | 4,506 |
| Return on assets (ROA) | 0.5722% | 4,512 |
| Pretax return on assets | 0.7510% | 4,290 |
| Return on Equity (ROE) | 4.7173% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.7173% | 3,302 |
| Net charge-offs to loans | 0.0594% | 1,508 |
| Credit loss provision to net charge-offs | 357.1429% | 728 |
| Earnings coverage of net charge-offs (x) | 19.5714% | 1,499 |
| Efficiency ratio | 76.0629% | 1,588 |
| Assets per employee ($millions) | 4.2866% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,866 |
| Loan loss allowance to noncurrent loans | 137.5315% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 1,719 |
| Noncurrent loans to loans | 0.5602% | 2,855 |
| Net loans and leases to total assets | 78.1152% | 1,220 |
| Net loans and leases to deposits | 89.3858% | 1,765 |
| Net loans and leases to core deposits | 95.9351% | 1,982 |
| Total domestic deposits to total assets | 87.3910% | 1,958 |
| Equity capital to assets | 12.1152% | 1,701 |
| Core capital (leverage) ratio | 12.1045% | 1,586 |
| Tier 1 risk-based capital ratio | 16.8961% | 2,142 |
| Total risk-based capital ratio | 17.7734% | 2,220 |
| Memoranda: | ||
| Average total assets | $178,970,500 | 3,137 |
| Average earning assets | $168,241,000 | 3,121 |
| Average equity | $21,707,500 | 2,977 |
| Average total loans | $141,516,500 | 2,794 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 2,758 |
| Cost of funding earning assets | 0.4905% | 2,421 |
| Net interest margin | 3.6904% | 2,832 |
| Noninterest income to average assets | 0.4698% | 3,191 |
| Noninterest expense to average assets | 3.0191% | 2,116 |
| Loan and lease loss provision to assets | 0.5719% | 223 |
| Net operating income to assets | 0.0006% | 5,359 |
| Return on assets (ROA) | 0.0006% | 5,360 |
| Pretax return on assets | 0.2834% | 5,222 |
| Return on Equity (ROE) | 0.0046% | 5,360 |
| Retained earnings to average equity (ytd only) | 0.0046% | 5,010 |
| Net charge-offs to loans | 0.4837% | 492 |
| Credit loss provision to net charge-offs | 153.4431% | 1,748 |
| Earnings coverage of net charge-offs (x) | 2.2949% | 3,764 |
| Efficiency ratio | 77.9234% | 1,367 |
| Assets per employee ($millions) | 4.1373% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 4,988 |
| Loan loss allowance to noncurrent loans | 118.3580% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 1,581 |
| Noncurrent loans to loans | 0.6206% | 2,677 |
| Net loans and leases to total assets | 78.8441% | 1,148 |
| Net loans and leases to deposits | 90.2886% | 1,742 |
| Net loans and leases to core deposits | 96.2618% | 2,003 |
| Total domestic deposits to total assets | 87.3246% | 1,851 |
| Equity capital to assets | 12.1431% | 1,735 |
| Core capital (leverage) ratio | 11.9434% | 1,634 |
| Tier 1 risk-based capital ratio | 16.6415% | 2,213 |
| Total risk-based capital ratio | 17.4779% | 2,292 |
| Memoranda: | ||
| Average total assets | $179,224,000 | 3,126 |
| Average earning assets | $165,347,400 | 3,136 |
| Average equity | $21,781,600 | 2,973 |
| Average total loans | $138,096,000 | 2,810 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 2,868 |
| Cost of funding earning assets | 0.4817% | 2,419 |
| Net interest margin | 3.6505% | 2,949 |
| Noninterest income to average assets | 0.4708% | 3,205 |
| Noninterest expense to average assets | 2.7883% | 2,769 |
| Loan and lease loss provision to assets | 0.6683% | 168 |
| Net operating income to assets | 0.2621% | 5,283 |
| Return on assets (ROA) | 0.2621% | 5,298 |
| Pretax return on assets | 0.3683% | 5,233 |
| Return on Equity (ROE) | 2.1563% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.1563% | 4,566 |
| Net charge-offs to loans | 0.6526% | 303 |
| Credit loss provision to net charge-offs | 133.9286% | 1,837 |
| Earnings coverage of net charge-offs (x) | 2.0774% | 3,507 |
| Efficiency ratio | 72.8985% | 2,055 |
| Assets per employee ($millions) | 4.2231% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 5,260 |
| Loan loss allowance to noncurrent loans | 48.1972% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6333% | 896 |
| Noncurrent loans to loans | 1.3212% | 1,444 |
| Net loans and leases to total assets | 78.1106% | 1,250 |
| Net loans and leases to deposits | 91.7859% | 1,596 |
| Net loans and leases to core deposits | 96.9754% | 1,984 |
| Total domestic deposits to total assets | 85.1009% | 2,677 |
| Equity capital to assets | 12.1138% | 1,894 |
| Core capital (leverage) ratio | 12.0313% | 1,665 |
| Tier 1 risk-based capital ratio | 16.7151% | 2,246 |
| Total risk-based capital ratio | 17.4347% | 2,376 |
| Memoranda: | ||
| Average total assets | $179,554,250 | 3,144 |
| Average earning assets | $164,976,250 | 3,167 |
| Average equity | $21,826,250 | 2,996 |
| Average total loans | $137,294,000 | 2,837 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 2,836 |
| Cost of funding earning assets | 0.4651% | 2,454 |
| Net interest margin | 3.6329% | 2,900 |
| Noninterest income to average assets | 0.3600% | 3,982 |
| Noninterest expense to average assets | 2.8031% | 2,750 |
| Loan and lease loss provision to assets | 0.4193% | 304 |
| Net operating income to assets | 0.2963% | 5,231 |
| Return on assets (ROA) | 0.2963% | 5,249 |
| Pretax return on assets | 0.4562% | 5,075 |
| Return on Equity (ROE) | 2.4347% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.4347% | 4,225 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2006% | 1,690 |
| Assets per employee ($millions) | 4.3446% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 5,123 |
| Loan loss allowance to noncurrent loans | 50.3097% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 764 |
| Noncurrent loans to loans | 1.4603% | 1,296 |
| Net loans and leases to total assets | 78.1952% | 1,220 |
| Net loans and leases to deposits | 91.6828% | 1,538 |
| Net loans and leases to core deposits | 96.5125% | 1,929 |
| Total domestic deposits to total assets | 85.2889% | 2,699 |
| Equity capital to assets | 12.0066% | 1,920 |
| Core capital (leverage) ratio | 11.9276% | 1,673 |
| Tier 1 risk-based capital ratio | 16.2524% | 2,408 |
| Total risk-based capital ratio | 17.0719% | 2,510 |
| Memoranda: | ||
| Average total assets | $178,874,000 | 3,168 |
| Average earning assets | $163,393,670 | 3,191 |
| Average equity | $21,769,000 | 3,003 |
| Average total loans | $135,474,000 | 2,863 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 2,731 |
| Cost of funding earning assets | 0.4632% | 2,396 |
| Net interest margin | 3.6156% | 2,831 |
| Noninterest income to average assets | 0.3095% | 4,338 |
| Noninterest expense to average assets | 2.8282% | 2,693 |
| Loan and lease loss provision to assets | 0.1129% | 1,695 |
| Net operating income to assets | 0.4044% | 4,930 |
| Return on assets (ROA) | 0.4044% | 4,956 |
| Pretax return on assets | 0.6483% | 4,603 |
| Return on Equity (ROE) | 3.2997% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.2997% | 3,786 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7917% | 1,518 |
| Assets per employee ($millions) | 4.0839% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5329% | 5,565 |
| Loan loss allowance to noncurrent loans | 432.5444% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 2,073 |
| Noncurrent loans to loans | 0.1232% | 4,695 |
| Net loans and leases to total assets | 75.9288% | 1,424 |
| Net loans and leases to deposits | 86.9497% | 1,918 |
| Net loans and leases to core deposits | 91.3154% | 2,231 |
| Total domestic deposits to total assets | 87.3250% | 2,061 |
| Equity capital to assets | 12.1296% | 1,752 |
| Core capital (leverage) ratio | 12.0232% | 1,614 |
| Tier 1 risk-based capital ratio | 16.9627% | 2,191 |
| Total risk-based capital ratio | 17.5678% | 2,372 |
| Memoranda: | ||
| Average total assets | $177,074,000 | 3,219 |
| Average earning assets | $160,635,500 | 3,257 |
| Average equity | $21,699,000 | 3,011 |
| Average total loans | $131,340,000 | 2,939 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,231 |
| Cost of funding earning assets | 0.4817% | 2,239 |
| Net interest margin | 3.5068% | 3,404 |
| Noninterest income to average assets | 0.1159% | 5,600 |
| Noninterest expense to average assets | 2.9281% | 2,570 |
| Loan and lease loss provision to assets | -0.0358% | 5,548 |
| Net operating income to assets | 0.2157% | 5,393 |
| Return on assets (ROA) | 0.2157% | 5,452 |
| Pretax return on assets | 0.3478% | 5,303 |
| Return on Equity (ROE) | 1.7393% | 5,450 |
| Retained earnings to average equity (ytd only) | 1.7393% | 4,536 |
| Net charge-offs to loans | 0.0495% | 3,056 |
| Credit loss provision to net charge-offs | -103.3333% | 4,902 |
| Earnings coverage of net charge-offs (x) | 9.0167% | 2,800 |
| Efficiency ratio | 90.3685% | 533 |
| Assets per employee ($millions) | 4.0571% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5426% | 5,610 |
| Loan loss allowance to noncurrent loans | 405.3571% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 2,056 |
| Noncurrent loans to loans | 0.1339% | 4,699 |
| Net loans and leases to total assets | 71.5539% | 2,231 |
| Net loans and leases to deposits | 82.2099% | 2,645 |
| Net loans and leases to core deposits | 86.3171% | 2,827 |
| Total domestic deposits to total assets | 87.0380% | 2,124 |
| Equity capital to assets | 12.3825% | 1,588 |
| Core capital (leverage) ratio | 11.9735% | 1,618 |
| Tier 1 risk-based capital ratio | 17.7369% | 1,930 |
| Total risk-based capital ratio | 18.3386% | 2,080 |
| Memoranda: | ||
| Average total assets | $173,353,800 | 3,241 |
| Average earning assets | $154,443,000 | 3,317 |
| Average equity | $21,503,200 | 3,022 |
| Average total loans | $121,282,600 | 3,049 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,446 |
| Cost of funding earning assets | 0.4789% | 2,276 |
| Net interest margin | 3.4654% | 3,608 |
| Noninterest income to average assets | 0.3320% | 4,416 |
| Noninterest expense to average assets | 2.9289% | 2,548 |
| Loan and lease loss provision to assets | -0.0462% | 5,711 |
| Net operating income to assets | 0.3336% | 5,204 |
| Return on assets (ROA) | 0.3336% | 5,282 |
| Pretax return on assets | 0.5377% | 5,044 |
| Return on Equity (ROE) | 2.6879% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.6879% | 4,293 |
| Net charge-offs to loans | 0.0676% | 2,357 |
| Credit loss provision to net charge-offs | -98.3607% | 4,755 |
| Earnings coverage of net charge-offs (x) | 10.4592% | 2,570 |
| Efficiency ratio | 85.6306% | 852 |
| Assets per employee ($millions) | 4.0790% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 5,660 |
| Loan loss allowance to noncurrent loans | 229.6296% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 1,574 |
| Noncurrent loans to loans | 0.2422% | 4,404 |
| Net loans and leases to total assets | 69.5331% | 2,564 |
| Net loans and leases to deposits | 80.0965% | 2,950 |
| Net loans and leases to core deposits | 83.7855% | 3,146 |
| Total domestic deposits to total assets | 86.8116% | 1,984 |
| Equity capital to assets | 12.3776% | 1,853 |
| Core capital (leverage) ratio | 11.7011% | 1,886 |
| Tier 1 risk-based capital ratio | 17.3676% | 2,113 |
| Total risk-based capital ratio | 17.9774% | 2,274 |
| Memoranda: | ||
| Average total assets | $173,078,250 | 3,257 |
| Average earning assets | $154,242,750 | 3,333 |
| Average equity | $21,478,500 | 3,046 |
| Average total loans | $120,225,500 | 3,071 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,377 |
| Cost of funding earning assets | 0.4768% | 2,299 |
| Net interest margin | 3.4864% | 3,537 |
| Noninterest income to average assets | 0.2403% | 5,047 |
| Noninterest expense to average assets | 2.8252% | 2,940 |
| Loan and lease loss provision to assets | -0.0580% | 5,833 |
| Net operating income to assets | 0.3111% | 5,292 |
| Return on assets (ROA) | 0.3111% | 5,381 |
| Pretax return on assets | 0.5792% | 4,945 |
| Return on Equity (ROE) | 2.5045% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.5045% | 4,288 |
| Net charge-offs to loans | 0.0419% | 2,624 |
| Credit loss provision to net charge-offs | -200.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | 17.9600% | 1,849 |
| Efficiency ratio | 84.4259% | 1,008 |
| Assets per employee ($millions) | 3.9589% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 5,683 |
| Loan loss allowance to noncurrent loans | 244.2953% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 1,804 |
| Noncurrent loans to loans | 0.2453% | 4,473 |
| Net loans and leases to total assets | 69.3145% | 2,581 |
| Net loans and leases to deposits | 79.6692% | 2,972 |
| Net loans and leases to core deposits | 82.8343% | 3,190 |
| Total domestic deposits to total assets | 87.0029% | 1,917 |
| Equity capital to assets | 12.3696% | 1,855 |
| Core capital (leverage) ratio | 11.6068% | 1,903 |
| Tier 1 risk-based capital ratio | 17.4508% | 2,083 |
| Total risk-based capital ratio | 18.1115% | 2,228 |
| Memoranda: | ||
| Average total assets | $172,305,330 | 3,286 |
| Average earning assets | $153,512,670 | 3,358 |
| Average equity | $21,401,330 | 3,060 |
| Average total loans | $119,420,330 | 3,085 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,256 |
| Cost of funding earning assets | 0.4804% | 2,273 |
| Net interest margin | 3.5101% | 3,434 |
| Noninterest income to average assets | 0.1494% | 5,593 |
| Noninterest expense to average assets | 2.7684% | 3,192 |
| Loan and lease loss provision to assets | -0.1120% | 5,992 |
| Net operating income to assets | 0.2708% | 5,377 |
| Return on assets (ROA) | 0.2708% | 5,450 |
| Pretax return on assets | 0.6139% | 4,776 |
| Return on Equity (ROE) | 2.1755% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.1755% | 4,387 |
| Net charge-offs to loans | 0.0878% | 1,617 |
| Credit loss provision to net charge-offs | -184.6154% | 4,336 |
| Earnings coverage of net charge-offs (x) | 8.2692% | 2,069 |
| Efficiency ratio | 84.6538% | 1,094 |
| Assets per employee ($millions) | 3.8339% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 5,728 |
| Loan loss allowance to noncurrent loans | 142.1053% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 1,384 |
| Noncurrent loans to loans | 0.4307% | 3,899 |
| Net loans and leases to total assets | 68.6214% | 2,558 |
| Net loans and leases to deposits | 78.8734% | 2,908 |
| Net loans and leases to core deposits | 82.0186% | 3,126 |
| Total domestic deposits to total assets | 87.0019% | 2,210 |
| Equity capital to assets | 12.4011% | 1,749 |
| Core capital (leverage) ratio | 11.6406% | 1,873 |
| Tier 1 risk-based capital ratio | 17.5725% | 2,100 |
| Total risk-based capital ratio | 18.2404% | 2,244 |
| Memoranda: | ||
| Average total assets | $171,361,500 | 3,310 |
| Average earning assets | $152,361,500 | 3,384 |
| Average equity | $21,328,500 | 3,074 |
| Average total loans | $118,396,000 | 3,109 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,778 |
| Cost of funding earning assets | 0.5050% | 2,118 |
| Net interest margin | 3.6328% | 3,005 |
| Noninterest income to average assets | 0.4181% | 3,907 |
| Noninterest expense to average assets | 3.0744% | 2,311 |
| Loan and lease loss provision to assets | 0.0064% | 4,267 |
| Net operating income to assets | 0.3509% | 5,213 |
| Return on assets (ROA) | 0.3509% | 5,305 |
| Pretax return on assets | 0.5515% | 4,987 |
| Return on Equity (ROE) | 2.8582% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.8582% | 4,030 |
| Net charge-offs to loans | 0.1295% | 2,081 |
| Credit loss provision to net charge-offs | 7.0968% | 3,845 |
| Earnings coverage of net charge-offs (x) | 6.1548% | 3,268 |
| Efficiency ratio | 84.6402% | 1,127 |
| Assets per employee ($millions) | 4.0523% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 5,661 |
| Loan loss allowance to noncurrent loans | 75.8979% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 967 |
| Noncurrent loans to loans | 0.8991% | 2,539 |
| Net loans and leases to total assets | 68.6677% | 2,593 |
| Net loans and leases to deposits | 79.0427% | 2,936 |
| Net loans and leases to core deposits | 81.8820% | 3,164 |
| Total domestic deposits to total assets | 86.8741% | 2,204 |
| Equity capital to assets | 12.4925% | 1,631 |
| Core capital (leverage) ratio | 11.4654% | 1,985 |
| Tier 1 risk-based capital ratio | 17.2841% | 2,189 |
| Total risk-based capital ratio | 18.0285% | 2,318 |
| Memoranda: | ||
| Average total assets | $170,994,000 | 3,288 |
| Average earning assets | $151,287,000 | 3,385 |
| Average equity | $20,992,000 | 3,072 |
| Average total loans | $119,724,800 | 3,051 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,592 |
| Cost of funding earning assets | 0.5094% | 2,126 |
| Net interest margin | 3.6848% | 2,829 |
| Noninterest income to average assets | 0.4564% | 3,665 |
| Noninterest expense to average assets | 3.0888% | 2,252 |
| Loan and lease loss provision to assets | 0.0109% | 4,052 |
| Net operating income to assets | 0.4159% | 5,104 |
| Return on assets (ROA) | 0.4159% | 5,191 |
| Pretax return on assets | 0.6184% | 4,929 |
| Return on Equity (ROE) | 3.4026% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.4026% | 4,049 |
| Net charge-offs to loans | 0.1253% | 1,875 |
| Credit loss provision to net charge-offs | 12.3894% | 3,429 |
| Earnings coverage of net charge-offs (x) | 7.1506% | 2,947 |
| Efficiency ratio | 83.0750% | 1,259 |
| Assets per employee ($millions) | 4.3814% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 5,677 |
| Loan loss allowance to noncurrent loans | 507.7844% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 2,144 |
| Noncurrent loans to loans | 0.1425% | 5,066 |
| Net loans and leases to total assets | 68.0786% | 2,662 |
| Net loans and leases to deposits | 78.3045% | 3,068 |
| Net loans and leases to core deposits | 81.6465% | 3,290 |
| Total domestic deposits to total assets | 86.9408% | 2,073 |
| Equity capital to assets | 12.4131% | 1,789 |
| Core capital (leverage) ratio | 11.5244% | 2,016 |
| Tier 1 risk-based capital ratio | 16.8131% | 2,435 |
| Total risk-based capital ratio | 17.5849% | 2,601 |
| Memoranda: | ||
| Average total assets | $171,193,000 | 3,311 |
| Average earning assets | $151,537,750 | 3,405 |
| Average equity | $20,924,500 | 3,103 |
| Average total loans | $120,237,500 | 3,071 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,339 |
| Cost of funding earning assets | 0.5147% | 2,117 |
| Net interest margin | 3.7386% | 2,547 |
| Noninterest income to average assets | 0.3923% | 4,138 |
| Noninterest expense to average assets | 3.0321% | 2,458 |
| Loan and lease loss provision to assets | 0.0012% | 4,061 |
| Net operating income to assets | 0.4203% | 5,079 |
| Return on assets (ROA) | 0.4203% | 5,179 |
| Pretax return on assets | 0.6667% | 4,770 |
| Return on Equity (ROE) | 3.4567% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.4567% | 3,846 |
| Net charge-offs to loans | 0.1484% | 1,601 |
| Credit loss provision to net charge-offs | 1.1111% | 3,154 |
| Earnings coverage of net charge-offs (x) | 6.3556% | 2,794 |
| Efficiency ratio | 81.9501% | 1,494 |
| Assets per employee ($millions) | 3.9874% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 5,760 |
| Loan loss allowance to noncurrent loans | 182.1656% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 2,228 |
| Noncurrent loans to loans | 0.3974% | 4,291 |
| Net loans and leases to total assets | 68.6162% | 2,553 |
| Net loans and leases to deposits | 78.7807% | 2,926 |
| Net loans and leases to core deposits | 82.2995% | 3,141 |
| Total domestic deposits to total assets | 87.0977% | 2,113 |
| Equity capital to assets | 12.2619% | 1,835 |
| Core capital (leverage) ratio | 11.2874% | 2,175 |
| Tier 1 risk-based capital ratio | 16.7654% | 2,502 |
| Total risk-based capital ratio | 17.5593% | 2,667 |
| Memoranda: | ||
| Average total assets | $171,298,670 | 3,326 |
| Average earning assets | $151,553,670 | 3,426 |
| Average equity | $20,829,000 | 3,128 |
| Average total loans | $121,257,330 | 3,067 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 2,231 |
| Cost of funding earning assets | 0.5233% | 2,075 |
| Net interest margin | 3.7374% | 2,480 |
| Noninterest income to average assets | 0.3154% | 4,665 |
| Noninterest expense to average assets | 3.0721% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3387% | 5,286 |
| Return on assets (ROA) | 0.3387% | 5,397 |
| Pretax return on assets | 0.5467% | 5,055 |
| Return on Equity (ROE) | 2.7977% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.7977% | 4,285 |
| Net charge-offs to loans | 0.0913% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.3571% | 2,092 |
| Efficiency ratio | 84.8935% | 1,280 |
| Assets per employee ($millions) | 4.0128% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 5,816 |
| Loan loss allowance to noncurrent loans | 183.8000% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 2,336 |
| Noncurrent loans to loans | 0.4053% | 4,376 |
| Net loans and leases to total assets | 70.9678% | 1,982 |
| Net loans and leases to deposits | 81.2893% | 2,412 |
| Net loans and leases to core deposits | 85.1097% | 2,641 |
| Total domestic deposits to total assets | 87.3028% | 2,215 |
| Equity capital to assets | 12.0637% | 1,989 |
| Core capital (leverage) ratio | 11.0818% | 2,331 |
| Tier 1 risk-based capital ratio | 16.2347% | 2,809 |
| Total risk-based capital ratio | 17.0690% | 2,942 |
| Memoranda: | ||
| Average total assets | $171,219,000 | 3,339 |
| Average earning assets | $151,337,000 | 3,443 |
| Average equity | $20,731,500 | 3,162 |
| Average total loans | $122,633,000 | 3,050 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,669 |
| Cost of funding earning assets | 0.5894% | 1,861 |
| Net interest margin | 3.4268% | 4,078 |
| Noninterest income to average assets | 0.4020% | 4,165 |
| Noninterest expense to average assets | 3.0397% | 2,724 |
| Loan and lease loss provision to assets | 0.1599% | 1,643 |
| Net operating income to assets | 0.2869% | 5,548 |
| Return on assets (ROA) | 0.2869% | 5,618 |
| Pretax return on assets | 0.2449% | 5,797 |
| Return on Equity (ROE) | 2.4821% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.4821% | 4,466 |
| Net charge-offs to loans | 0.1343% | 2,675 |
| Credit loss provision to net charge-offs | 180.7692% | 1,344 |
| Earnings coverage of net charge-offs (x) | 4.5769% | 3,618 |
| Efficiency ratio | 88.2469% | 973 |
| Assets per employee ($millions) | 3.7753% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 5,834 |
| Loan loss allowance to noncurrent loans | 183.8835% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 1,482 |
| Noncurrent loans to loans | 0.4225% | 4,373 |
| Net loans and leases to total assets | 71.1910% | 2,047 |
| Net loans and leases to deposits | 81.6666% | 2,513 |
| Net loans and leases to core deposits | 85.3155% | 2,749 |
| Total domestic deposits to total assets | 87.1727% | 2,184 |
| Equity capital to assets | 12.1533% | 1,900 |
| Core capital (leverage) ratio | 11.0469% | 2,360 |
| Tier 1 risk-based capital ratio | 16.3803% | 2,771 |
| Total risk-based capital ratio | 17.2430% | 2,907 |
| Memoranda: | ||
| Average total assets | $176,368,400 | 3,253 |
| Average earning assets | $156,591,000 | 3,330 |
| Average equity | $20,385,800 | 3,118 |
| Average total loans | $116,154,400 | 3,110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 4,008 |
| Cost of funding earning assets | 0.6011% | 1,819 |
| Net interest margin | 3.3390% | 4,473 |
| Noninterest income to average assets | 0.3169% | 4,904 |
| Noninterest expense to average assets | 3.0263% | 2,715 |
| Loan and lease loss provision to assets | 0.0367% | 3,671 |
| Net operating income to assets | 0.2869% | 5,631 |
| Return on assets (ROA) | 0.2869% | 5,698 |
| Pretax return on assets | 0.2247% | 5,912 |
| Return on Equity (ROE) | 2.5130% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.5130% | 4,792 |
| Net charge-offs to loans | 0.1232% | 2,580 |
| Credit loss provision to net charge-offs | 46.2264% | 3,171 |
| Earnings coverage of net charge-offs (x) | 3.2924% | 3,691 |
| Efficiency ratio | 92.0483% | 708 |
| Assets per employee ($millions) | 3.7461% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 6,170 |
| Loan loss allowance to noncurrent loans | 47.7799% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8158% | 1,631 |
| Noncurrent loans to loans | 1.3565% | 2,378 |
| Net loans and leases to total assets | 67.9623% | 2,537 |
| Net loans and leases to deposits | 77.7515% | 2,977 |
| Net loans and leases to core deposits | 81.5909% | 3,138 |
| Total domestic deposits to total assets | 87.4096% | 2,087 |
| Equity capital to assets | 11.8987% | 2,153 |
| Core capital (leverage) ratio | 10.8045% | 2,690 |
| Tier 1 risk-based capital ratio | 16.8056% | 2,688 |
| Total risk-based capital ratio | 17.5397% | 2,859 |
| Memoranda: | ||
| Average total assets | $177,988,500 | 3,257 |
| Average earning assets | $158,369,000 | 3,328 |
| Average equity | $20,320,500 | 3,135 |
| Average total loans | $114,720,000 | 3,151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 4,228 |
| Cost of funding earning assets | 0.6077% | 1,836 |
| Net interest margin | 3.2706% | 4,700 |
| Noninterest income to average assets | 0.2279% | 5,575 |
| Noninterest expense to average assets | 2.9843% | 2,894 |
| Loan and lease loss provision to assets | 0.0100% | 4,037 |
| Net operating income to assets | 0.2780% | 5,642 |
| Return on assets (ROA) | 0.2780% | 5,715 |
| Pretax return on assets | 0.1479% | 6,028 |
| Return on Equity (ROE) | 2.4680% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.4680% | 4,635 |
| Net charge-offs to loans | 0.0809% | 2,880 |
| Credit loss provision to net charge-offs | 19.5652% | 3,210 |
| Earnings coverage of net charge-offs (x) | 3.0870% | 3,390 |
| Efficiency ratio | 94.9752% | 603 |
| Assets per employee ($millions) | 3.9641% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 6,203 |
| Loan loss allowance to noncurrent loans | 37.4940% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 2.0299% | 1,570 |
| Noncurrent loans to loans | 1.8155% | 1,887 |
| Net loans and leases to total assets | 64.1261% | 3,056 |
| Net loans and leases to deposits | 72.9499% | 3,455 |
| Net loans and leases to core deposits | 76.3953% | 3,590 |
| Total domestic deposits to total assets | 87.9043% | 1,960 |
| Equity capital to assets | 11.4252% | 2,491 |
| Core capital (leverage) ratio | 10.3435% | 3,144 |
| Tier 1 risk-based capital ratio | 16.8997% | 2,664 |
| Total risk-based capital ratio | 17.6787% | 2,822 |
| Memoranda: | ||
| Average total assets | $179,877,330 | 3,251 |
| Average earning assets | $160,274,000 | 3,320 |
| Average equity | $20,259,330 | 3,143 |
| Average total loans | $113,667,330 | 3,178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,324 |
| Cost of funding earning assets | 0.6282% | 1,748 |
| Net interest margin | 3.2107% | 4,890 |
| Noninterest income to average assets | 0.2192% | 5,604 |
| Noninterest expense to average assets | 2.8723% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5005% | 4,685 |
| Return on assets (ROA) | 0.5005% | 4,769 |
| Pretax return on assets | 0.2104% | 5,905 |
| Return on Equity (ROE) | 4.4756% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.4756% | 3,435 |
| Net charge-offs to loans | 0.0567% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.9375% | 2,308 |
| Efficiency ratio | 93.1753% | 802 |
| Assets per employee ($millions) | 4.2117% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 6,281 |
| Loan loss allowance to noncurrent loans | 33.8093% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 2.1595% | 1,540 |
| Noncurrent loans to loans | 2.0705% | 1,786 |
| Net loans and leases to total assets | 63.0516% | 3,066 |
| Net loans and leases to deposits | 71.5492% | 3,400 |
| Net loans and leases to core deposits | 74.7325% | 3,565 |
| Total domestic deposits to total assets | 88.1234% | 2,156 |
| Equity capital to assets | 11.2250% | 2,502 |
| Core capital (leverage) ratio | 10.1569% | 3,341 |
| Tier 1 risk-based capital ratio | 16.7005% | 2,813 |
| Total risk-based capital ratio | 17.4892% | 3,000 |
| Memoranda: | ||
| Average total assets | $180,623,000 | 3,268 |
| Average earning assets | $161,086,500 | 3,335 |
| Average equity | $20,198,500 | 3,154 |
| Average total loans | $112,913,000 | 3,204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 5,160 |
| Cost of funding earning assets | 0.8310% | 1,034 |
| Net interest margin | 2.8608% | 5,880 |
| Noninterest income to average assets | 0.1546% | 6,164 |
| Noninterest expense to average assets | 2.8836% | 3,421 |
| Loan and lease loss provision to assets | 0.4996% | 561 |
| Net operating income to assets | -0.4356% | 6,469 |
| Return on assets (ROA) | -0.4356% | 6,482 |
| Pretax return on assets | -0.6697% | 6,532 |
| Return on Equity (ROE) | -3.9586% | 6,456 |
| Retained earnings to average equity (ytd only) | -3.9586% | 6,318 |
| Net charge-offs to loans | 0.7500% | 852 |
| Credit loss provision to net charge-offs | 113.3011% | 2,131 |
| Earnings coverage of net charge-offs (x) | -0.3857% | 5,180 |
| Efficiency ratio | 106.2684% | 335 |
| Assets per employee ($millions) | 4.0941% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 6,289 |
| Loan loss allowance to noncurrent loans | 33.7305% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 1,624 |
| Noncurrent loans to loans | 2.1961% | 1,779 |
| Net loans and leases to total assets | 61.0690% | 3,521 |
| Net loans and leases to deposits | 69.2682% | 3,875 |
| Net loans and leases to core deposits | 72.3666% | 4,024 |
| Total domestic deposits to total assets | 88.1632% | 2,080 |
| Equity capital to assets | 11.1401% | 2,485 |
| Core capital (leverage) ratio | 10.2084% | 3,285 |
| Tier 1 risk-based capital ratio | 17.7030% | 2,341 |
| Total risk-based capital ratio | 18.5411% | 2,469 |
| Memoranda: | ||
| Average total assets | $187,542,600 | 3,192 |
| Average earning assets | $167,752,600 | 3,246 |
| Average equity | $20,638,800 | 3,087 |
| Average total loans | $110,269,200 | 3,240 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6762% | 5,234 |
| Cost of funding earning assets | 0.8752% | 927 |
| Net interest margin | 2.8010% | 6,017 |
| Noninterest income to average assets | 0.1183% | 6,422 |
| Noninterest expense to average assets | 2.8223% | 3,586 |
| Loan and lease loss provision to assets | 0.1429% | 2,498 |
| Net operating income to assets | -0.1359% | 6,420 |
| Return on assets (ROA) | -0.1359% | 6,447 |
| Pretax return on assets | -0.3393% | 6,539 |
| Return on Equity (ROE) | -1.2383% | 6,440 |
| Retained earnings to average equity (ytd only) | -1.2383% | 6,167 |
| Net charge-offs to loans | 0.4467% | 1,434 |
| Credit loss provision to net charge-offs | 55.0136% | 3,399 |
| Earnings coverage of net charge-offs (x) | -0.7561% | 4,982 |
| Efficiency ratio | 107.4799% | 307 |
| Assets per employee ($millions) | 3.7423% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4990% | 6,655 |
| Loan loss allowance to noncurrent loans | 22.5021% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1552% | 1,854 |
| Noncurrent loans to loans | 2.2176% | 2,000 |
| Net loans and leases to total assets | 59.2639% | 3,813 |
| Net loans and leases to deposits | 67.3000% | 4,141 |
| Net loans and leases to core deposits | 70.3287% | 4,289 |
| Total domestic deposits to total assets | 88.0593% | 2,097 |
| Equity capital to assets | 11.2923% | 2,477 |
| Core capital (leverage) ratio | 10.4614% | 3,048 |
| Tier 1 risk-based capital ratio | 18.6306% | 2,104 |
| Total risk-based capital ratio | 19.2004% | 2,309 |
| Memoranda: | ||
| Average total assets | $189,392,750 | 3,193 |
| Average earning assets | $169,554,000 | 3,250 |
| Average equity | $20,781,500 | 3,100 |
| Average total loans | $110,128,500 | 3,265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 5,340 |
| Cost of funding earning assets | 0.9226% | 809 |
| Net interest margin | 2.7117% | 6,165 |
| Noninterest income to average assets | 0.0157% | 6,754 |
| Noninterest expense to average assets | 2.7545% | 3,842 |
| Loan and lease loss provision to assets | 0.1641% | 2,278 |
| Net operating income to assets | -0.2111% | 6,494 |
| Return on assets (ROA) | -0.2111% | 6,528 |
| Pretax return on assets | -0.4734% | 6,619 |
| Return on Equity (ROE) | -1.9417% | 6,523 |
| Retained earnings to average equity (ytd only) | -1.9417% | 6,187 |
| Net charge-offs to loans | 0.6683% | 985 |
| Credit loss provision to net charge-offs | 42.5474% | 3,372 |
| Earnings coverage of net charge-offs (x) | -0.8022% | 4,694 |
| Efficiency ratio | 112.6496% | 243 |
| Assets per employee ($millions) | 4.0428% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4623% | 6,733 |
| Loan loss allowance to noncurrent loans | 19.8094% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 2.1309% | 2,022 |
| Noncurrent loans to loans | 2.3335% | 2,019 |
| Net loans and leases to total assets | 56.5494% | 4,201 |
| Net loans and leases to deposits | 63.9355% | 4,514 |
| Net loans and leases to core deposits | 66.9742% | 4,595 |
| Total domestic deposits to total assets | 88.4475% | 1,951 |
| Equity capital to assets | 10.8904% | 2,862 |
| Core capital (leverage) ratio | 10.1034% | 3,363 |
| Tier 1 risk-based capital ratio | 19.2516% | 1,924 |
| Total risk-based capital ratio | 19.7820% | 2,091 |
| Memoranda: | ||
| Average total assets | $191,399,330 | 3,174 |
| Average earning assets | $171,477,000 | 3,230 |
| Average equity | $20,806,330 | 3,113 |
| Average total loans | $110,431,670 | 3,266 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 5,355 |
| Cost of funding earning assets | 0.9715% | 699 |
| Net interest margin | 2.6607% | 6,283 |
| Noninterest income to average assets | -0.3811% | 6,975 |
| Noninterest expense to average assets | 2.7778% | 3,773 |
| Loan and lease loss provision to assets | 0.3040% | 1,129 |
| Net operating income to assets | -0.5185% | 6,679 |
| Return on assets (ROA) | -0.5185% | 6,705 |
| Pretax return on assets | -1.0849% | 6,822 |
| Return on Equity (ROE) | -4.7740% | 6,684 |
| Retained earnings to average equity (ytd only) | -4.7740% | 6,349 |
| Net charge-offs to loans | 0.7558% | 803 |
| Credit loss provision to net charge-offs | 69.1943% | 2,310 |
| Earnings coverage of net charge-offs (x) | -1.7773% | 4,010 |
| Efficiency ratio | 139.1032% | 111 |
| Assets per employee ($millions) | 4.1042% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 6,724 |
| Loan loss allowance to noncurrent loans | 14.6918% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 3.1374% | 1,402 |
| Noncurrent loans to loans | 3.9708% | 1,141 |
| Net loans and leases to total assets | 57.0698% | 3,910 |
| Net loans and leases to deposits | 64.3964% | 4,268 |
| Net loans and leases to core deposits | 67.3229% | 4,372 |
| Total domestic deposits to total assets | 88.6225% | 1,914 |
| Equity capital to assets | 10.7512% | 3,257 |
| Core capital (leverage) ratio | 9.9460% | 3,464 |
| Tier 1 risk-based capital ratio | 18.8027% | 2,094 |
| Total risk-based capital ratio | 19.4672% | 2,250 |
| Memoranda: | ||
| Average total assets | $192,093,500 | 3,195 |
| Average earning assets | $171,685,500 | 3,261 |
| Average equity | $20,863,000 | 3,152 |
| Average total loans | $111,673,000 | 3,253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 5,678 |
| Cost of funding earning assets | 1.1874% | 618 |
| Net interest margin | 2.6795% | 6,546 |
| Noninterest income to average assets | 0.5208% | 3,768 |
| Noninterest expense to average assets | 2.8598% | 3,811 |
| Loan and lease loss provision to assets | 0.0272% | 5,556 |
| Net operating income to assets | 0.0657% | 6,065 |
| Return on assets (ROA) | 0.0657% | 6,212 |
| Pretax return on assets | 0.0246% | 6,254 |
| Return on Equity (ROE) | 0.6120% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.6120% | 5,547 |
| Net charge-offs to loans | 0.3861% | 2,708 |
| Credit loss provision to net charge-offs | 11.8304% | 5,377 |
| Earnings coverage of net charge-offs (x) | 0.2254% | 5,367 |
| Efficiency ratio | 98.2203% | 622 |
| Assets per employee ($millions) | 3.9852% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 6,718 |
| Loan loss allowance to noncurrent loans | 14.6689% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 4.2972% | 976 |
| Noncurrent loans to loans | 4.3041% | 1,025 |
| Net loans and leases to total assets | 58.4992% | 3,883 |
| Net loans and leases to deposits | 66.2436% | 4,249 |
| Net loans and leases to core deposits | 69.0421% | 4,435 |
| Total domestic deposits to total assets | 88.3093% | 2,025 |
| Equity capital to assets | 10.9714% | 2,985 |
| Core capital (leverage) ratio | 10.2901% | 3,025 |
| Tier 1 risk-based capital ratio | 18.6835% | 2,053 |
| Total risk-based capital ratio | 19.3875% | 2,179 |
| Memoranda: | ||
| Average total assets | $194,909,400 | 3,113 |
| Average earning assets | $173,915,200 | 3,174 |
| Average equity | $20,914,600 | 3,094 |
| Average total loans | $116,036,000 | 3,163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 5,839 |
| Cost of funding earning assets | 1.2274% | 609 |
| Net interest margin | 2.6499% | 6,703 |
| Noninterest income to average assets | 0.5454% | 3,638 |
| Noninterest expense to average assets | 2.8428% | 3,832 |
| Loan and lease loss provision to assets | 0.0272% | 5,441 |
| Net operating income to assets | 0.0906% | 6,142 |
| Return on assets (ROA) | 0.0906% | 6,285 |
| Pretax return on assets | 0.0422% | 6,350 |
| Return on Equity (ROE) | 0.8486% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.8486% | 5,824 |
| Net charge-offs to loans | 0.4106% | 2,455 |
| Credit loss provision to net charge-offs | 11.1111% | 5,063 |
| Earnings coverage of net charge-offs (x) | 0.2833% | 5,185 |
| Efficiency ratio | 97.6152% | 617 |
| Assets per employee ($millions) | 3.9353% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 6,760 |
| Loan loss allowance to noncurrent loans | 15.9109% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 4.1135% | 1,167 |
| Noncurrent loans to loans | 4.3319% | 1,120 |
| Net loans and leases to total assets | 58.7316% | 4,003 |
| Net loans and leases to deposits | 66.4369% | 4,420 |
| Net loans and leases to core deposits | 69.5585% | 4,553 |
| Total domestic deposits to total assets | 88.4021% | 1,788 |
| Equity capital to assets | 10.8879% | 3,397 |
| Core capital (leverage) ratio | 10.2320% | 3,253 |
| Tier 1 risk-based capital ratio | 18.7883% | 2,078 |
| Total risk-based capital ratio | 19.5662% | 2,199 |
| Memoranda: | ||
| Average total assets | $195,814,750 | 3,127 |
| Average earning assets | $174,893,000 | 3,200 |
| Average equity | $20,896,500 | 3,126 |
| Average total loans | $116,891,750 | 3,186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 5,889 |
| Cost of funding earning assets | 1.2632% | 612 |
| Net interest margin | 2.6447% | 6,778 |
| Noninterest income to average assets | 0.5670% | 3,477 |
| Noninterest expense to average assets | 2.8555% | 3,796 |
| Loan and lease loss provision to assets | 0.0528% | 5,005 |
| Net operating income to assets | 0.0528% | 6,252 |
| Return on assets (ROA) | 0.0528% | 6,390 |
| Pretax return on assets | 0.0203% | 6,423 |
| Return on Equity (ROE) | 0.4985% | 6,390 |
| Retained earnings to average equity (ytd only) | 0.4985% | 5,868 |
| Net charge-offs to loans | 0.4192% | 2,354 |
| Credit loss provision to net charge-offs | 21.0526% | 4,586 |
| Earnings coverage of net charge-offs (x) | 0.2915% | 4,934 |
| Efficiency ratio | 97.5017% | 641 |
| Assets per employee ($millions) | 4.4681% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 6,656 |
| Loan loss allowance to noncurrent loans | 17.0791% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 4.1114% | 1,225 |
| Noncurrent loans to loans | 4.7179% | 1,092 |
| Net loans and leases to total assets | 57.0443% | 4,320 |
| Net loans and leases to deposits | 64.3434% | 4,716 |
| Net loans and leases to core deposits | 67.0858% | 4,887 |
| Total domestic deposits to total assets | 88.6560% | 1,734 |
| Equity capital to assets | 10.6374% | 3,530 |
| Core capital (leverage) ratio | 10.0108% | 3,408 |
| Tier 1 risk-based capital ratio | 18.8035% | 2,027 |
| Total risk-based capital ratio | 19.7041% | 2,102 |
| Memoranda: | ||
| Average total assets | $196,810,330 | 3,126 |
| Average earning assets | $175,745,000 | 3,195 |
| Average equity | $20,863,670 | 3,122 |
| Average total loans | $117,843,330 | 3,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 5,758 |
| Cost of funding earning assets | 1.3062% | 618 |
| Net interest margin | 2.6921% | 6,779 |
| Noninterest income to average assets | 0.2742% | 5,678 |
| Noninterest expense to average assets | 2.9129% | 3,576 |
| Loan and lease loss provision to assets | -0.0061% | 7,095 |
| Net operating income to assets | -0.0894% | 6,525 |
| Return on assets (ROA) | -0.0894% | 6,610 |
| Pretax return on assets | -0.2336% | 6,689 |
| Return on Equity (ROE) | -0.8446% | 6,612 |
| Retained earnings to average equity (ytd only) | -0.8446% | 6,133 |
| Net charge-offs to loans | -0.0100% | 5,942 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9666% | 355 |
| Assets per employee ($millions) | 4.3563% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,453 |
| Loan loss allowance to noncurrent loans | 17.1367% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 4.7543% | 1,109 |
| Noncurrent loans to loans | 5.4640% | 975 |
| Net loans and leases to total assets | 59.6900% | 3,734 |
| Net loans and leases to deposits | 67.3346% | 4,175 |
| Net loans and leases to core deposits | 70.2897% | 4,373 |
| Total domestic deposits to total assets | 88.6468% | 1,921 |
| Equity capital to assets | 10.6191% | 3,362 |
| Core capital (leverage) ratio | 9.8910% | 3,515 |
| Tier 1 risk-based capital ratio | 16.9506% | 2,702 |
| Total risk-based capital ratio | 17.9474% | 2,770 |
| Memoranda: | ||
| Average total assets | $196,916,500 | 3,147 |
| Average earning assets | $175,475,500 | 3,220 |
| Average equity | $20,839,000 | 3,126 |
| Average total loans | $120,235,500 | 3,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 5,946 |
| Cost of funding earning assets | 1.4671% | 811 |
| Net interest margin | 2.7723% | 6,851 |
| Noninterest income to average assets | 0.3123% | 5,310 |
| Noninterest expense to average assets | 2.5673% | 5,213 |
| Loan and lease loss provision to assets | 0.0171% | 6,349 |
| Net operating income to assets | 0.1959% | 5,603 |
| Return on assets (ROA) | 0.1959% | 5,731 |
| Pretax return on assets | 0.2025% | 5,782 |
| Return on Equity (ROE) | 1.8823% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.8823% | 4,865 |
| Net charge-offs to loans | 0.1984% | 4,555 |
| Credit loss provision to net charge-offs | 13.9344% | 5,982 |
| Earnings coverage of net charge-offs (x) | 1.7869% | 4,443 |
| Efficiency ratio | 92.1200% | 1,038 |
| Assets per employee ($millions) | 4.2085% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,518 |
| Loan loss allowance to noncurrent loans | 28.1941% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 3.4535% | 1,718 |
| Noncurrent loans to loans | 3.2177% | 2,008 |
| Net loans and leases to total assets | 61.2958% | 3,728 |
| Net loans and leases to deposits | 69.1174% | 4,257 |
| Net loans and leases to core deposits | 71.9923% | 4,536 |
| Total domestic deposits to total assets | 88.6835% | 1,732 |
| Equity capital to assets | 10.5465% | 3,479 |
| Core capital (leverage) ratio | 9.8524% | 3,514 |
| Tier 1 risk-based capital ratio | 16.8695% | 2,659 |
| Total risk-based capital ratio | 17.8378% | 2,754 |
| Memoranda: | ||
| Average total assets | $198,536,600 | 3,071 |
| Average earning assets | $177,218,800 | 3,126 |
| Average equity | $20,666,400 | 3,048 |
| Average total loans | $122,974,000 | 3,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 6,157 |
| Cost of funding earning assets | 1.4954% | 882 |
| Net interest margin | 2.7254% | 6,968 |
| Noninterest income to average assets | 0.3073% | 5,400 |
| Noninterest expense to average assets | 2.5630% | 5,223 |
| Loan and lease loss provision to assets | -0.0423% | 7,323 |
| Net operating income to assets | 0.2201% | 5,647 |
| Return on assets (ROA) | 0.2201% | 5,781 |
| Pretax return on assets | 0.2187% | 5,864 |
| Return on Equity (ROE) | 2.1211% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.1211% | 5,078 |
| Net charge-offs to loans | 0.1343% | 4,715 |
| Credit loss provision to net charge-offs | -50.8065% | 6,471 |
| Earnings coverage of net charge-offs (x) | 2.1210% | 4,080 |
| Efficiency ratio | 93.5587% | 943 |
| Assets per employee ($millions) | 4.2009% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 6,526 |
| Loan loss allowance to noncurrent loans | 19.3841% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 4.4261% | 1,359 |
| Noncurrent loans to loans | 4.7644% | 1,351 |
| Net loans and leases to total assets | 61.5617% | 3,827 |
| Net loans and leases to deposits | 69.4227% | 4,397 |
| Net loans and leases to core deposits | 71.9436% | 4,720 |
| Total domestic deposits to total assets | 88.6766% | 1,644 |
| Equity capital to assets | 10.5348% | 3,661 |
| Core capital (leverage) ratio | 9.8646% | 3,627 |
| Tier 1 risk-based capital ratio | 16.7964% | 2,723 |
| Total risk-based capital ratio | 17.7808% | 2,810 |
| Memoranda: | ||
| Average total assets | $198,720,750 | 3,090 |
| Average earning assets | $177,341,500 | 3,144 |
| Average equity | $20,617,750 | 3,060 |
| Average total loans | $123,129,250 | 3,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 6,161 |
| Cost of funding earning assets | 1.5193% | 942 |
| Net interest margin | 2.7301% | 6,996 |
| Noninterest income to average assets | 0.2370% | 5,958 |
| Noninterest expense to average assets | 2.5519% | 5,347 |
| Loan and lease loss provision to assets | -0.0633% | 7,406 |
| Net operating income to assets | 0.2260% | 5,642 |
| Return on assets (ROA) | 0.2260% | 5,762 |
| Pretax return on assets | 0.1828% | 5,966 |
| Return on Equity (ROE) | 2.1890% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.1890% | 4,896 |
| Net charge-offs to loans | -0.0211% | 6,834 |
| Credit loss provision to net charge-offs | 484.6154% | 639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5263% | 902 |
| Assets per employee ($millions) | 4.2726% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 6,124 |
| Loan loss allowance to noncurrent loans | 31.7977% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 3.9933% | 1,606 |
| Noncurrent loans to loans | 3.3148% | 2,156 |
| Net loans and leases to total assets | 59.3696% | 4,403 |
| Net loans and leases to deposits | 66.7727% | 4,887 |
| Net loans and leases to core deposits | 69.1255% | 5,171 |
| Total domestic deposits to total assets | 88.9129% | 1,587 |
| Equity capital to assets | 10.3068% | 3,741 |
| Core capital (leverage) ratio | 9.6480% | 3,738 |
| Tier 1 risk-based capital ratio | 16.8561% | 2,584 |
| Total risk-based capital ratio | 17.9692% | 2,599 |
| Memoranda: | ||
| Average total assets | $199,147,330 | 3,109 |
| Average earning assets | $177,577,000 | 3,167 |
| Average equity | $20,557,000 | 3,057 |
| Average total loans | $123,278,670 | 3,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 6,085 |
| Cost of funding earning assets | 1.5364% | 1,027 |
| Net interest margin | 2.7380% | 6,979 |
| Noninterest income to average assets | 0.1977% | 6,308 |
| Noninterest expense to average assets | 2.6503% | 5,036 |
| Loan and lease loss provision to assets | -0.1130% | 7,488 |
| Net operating income to assets | 0.0605% | 6,209 |
| Return on assets (ROA) | 0.0605% | 6,254 |
| Pretax return on assets | 0.1008% | 6,164 |
| Return on Equity (ROE) | 0.5857% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.5857% | 5,598 |
| Net charge-offs to loans | -0.0578% | 6,930 |
| Credit loss provision to net charge-offs | 311.1111% | 1,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4587% | 720 |
| Assets per employee ($millions) | 4.2356% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 6,188 |
| Loan loss allowance to noncurrent loans | 31.5118% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 4.1317% | 1,605 |
| Noncurrent loans to loans | 3.3624% | 2,226 |
| Net loans and leases to total assets | 61.4016% | 3,984 |
| Net loans and leases to deposits | 69.0822% | 4,518 |
| Net loans and leases to core deposits | 71.3159% | 4,886 |
| Total domestic deposits to total assets | 88.8820% | 1,852 |
| Equity capital to assets | 10.2987% | 3,418 |
| Core capital (leverage) ratio | 9.7388% | 3,475 |
| Tier 1 risk-based capital ratio | 16.5905% | 2,625 |
| Total risk-based capital ratio | 17.7176% | 2,652 |
| Memoranda: | ||
| Average total assets | $198,316,000 | 3,138 |
| Average earning assets | $176,774,500 | 3,200 |
| Average equity | $20,487,000 | 3,053 |
| Average total loans | $124,673,000 | 3,164 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 5,176 |
| Cost of funding earning assets | 1.7303% | 1,462 |
| Net interest margin | 3.1338% | 6,428 |
| Noninterest income to average assets | 0.7662% | 2,452 |
| Noninterest expense to average assets | 2.6167% | 5,346 |
| Loan and lease loss provision to assets | 0.8829% | 1,853 |
| Net operating income to assets | 0.0791% | 5,640 |
| Return on assets (ROA) | 0.0791% | 5,774 |
| Pretax return on assets | 0.0656% | 5,768 |
| Return on Equity (ROE) | 0.7736% | 5,761 |
| Retained earnings to average equity (ytd only) | 0.7736% | 5,167 |
| Net charge-offs to loans | 1.6195% | 1,338 |
| Credit loss provision to net charge-offs | 79.4144% | 5,580 |
| Earnings coverage of net charge-offs (x) | 0.8532% | 5,280 |
| Efficiency ratio | 73.3951% | 3,506 |
| Assets per employee ($millions) | 4.1158% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 6,073 |
| Loan loss allowance to noncurrent loans | 60.0535% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 3.1368% | 2,257 |
| Noncurrent loans to loans | 1.7829% | 3,841 |
| Net loans and leases to total assets | 62.9969% | 4,073 |
| Net loans and leases to deposits | 70.9652% | 4,689 |
| Net loans and leases to core deposits | 73.5382% | 5,036 |
| Total domestic deposits to total assets | 88.7715% | 1,786 |
| Equity capital to assets | 10.3625% | 3,321 |
| Core capital (leverage) ratio | 9.8450% | 3,270 |
| Tier 1 risk-based capital ratio | 16.4736% | 2,529 |
| Total risk-based capital ratio | 17.6211% | 2,542 |
| Memoranda: | ||
| Average total assets | $199,677,000 | 3,107 |
| Average earning assets | $178,348,600 | 3,140 |
| Average equity | $20,425,200 | 3,089 |
| Average total loans | $137,078,200 | 2,998 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 5,207 |
| Cost of funding earning assets | 1.7574% | 1,600 |
| Net interest margin | 3.1557% | 6,467 |
| Noninterest income to average assets | 0.8711% | 1,907 |
| Noninterest expense to average assets | 2.5979% | 5,334 |
| Loan and lease loss provision to assets | 1.0156% | 1,457 |
| Net operating income to assets | 0.0773% | 5,824 |
| Return on assets (ROA) | 0.0773% | 5,970 |
| Pretax return on assets | 0.0786% | 5,954 |
| Return on Equity (ROE) | 0.7576% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.7576% | 5,501 |
| Net charge-offs to loans | 1.9881% | 952 |
| Credit loss provision to net charge-offs | 73.1064% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.7876% | 5,259 |
| Efficiency ratio | 70.3644% | 3,990 |
| Assets per employee ($millions) | 4.0156% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 6,656 |
| Loan loss allowance to noncurrent loans | 52.2708% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.7774% | 2,608 |
| Noncurrent loans to loans | 1.7708% | 3,991 |
| Net loans and leases to total assets | 67.6181% | 3,303 |
| Net loans and leases to deposits | 76.2496% | 4,135 |
| Net loans and leases to core deposits | 78.7518% | 4,707 |
| Total domestic deposits to total assets | 88.6798% | 1,574 |
| Equity capital to assets | 10.3860% | 3,662 |
| Core capital (leverage) ratio | 10.1005% | 3,149 |
| Tier 1 risk-based capital ratio | 16.2147% | 2,663 |
| Total risk-based capital ratio | 17.2321% | 2,723 |
| Memoranda: | ||
| Average total assets | $200,206,500 | 3,135 |
| Average earning assets | $178,971,250 | 3,173 |
| Average equity | $20,413,500 | 3,134 |
| Average total loans | $139,897,000 | 2,983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 5,476 |
| Cost of funding earning assets | 1.7551% | 1,842 |
| Net interest margin | 3.1272% | 6,527 |
| Noninterest income to average assets | 0.2384% | 6,199 |
| Noninterest expense to average assets | 2.6064% | 5,301 |
| Loan and lease loss provision to assets | 0.3457% | 3,653 |
| Net operating income to assets | 0.0636% | 5,962 |
| Return on assets (ROA) | 0.0636% | 6,061 |
| Pretax return on assets | 0.1093% | 5,961 |
| Return on Equity (ROE) | 0.6273% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.6273% | 5,514 |
| Net charge-offs to loans | 1.5490% | 1,232 |
| Credit loss provision to net charge-offs | 31.6940% | 5,707 |
| Earnings coverage of net charge-offs (x) | 0.4171% | 5,306 |
| Efficiency ratio | 85.1395% | 1,806 |
| Assets per employee ($millions) | 4.0214% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,119 |
| Loan loss allowance to noncurrent loans | 17.3099% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 4.2299% | 1,589 |
| Noncurrent loans to loans | 4.3988% | 1,665 |
| Net loans and leases to total assets | 68.3190% | 3,285 |
| Net loans and leases to deposits | 76.7570% | 4,196 |
| Net loans and leases to core deposits | 79.1958% | 4,782 |
| Total domestic deposits to total assets | 89.0068% | 1,436 |
| Equity capital to assets | 10.1452% | 3,838 |
| Core capital (leverage) ratio | 10.1358% | 3,015 |
| Tier 1 risk-based capital ratio | 16.0619% | 2,645 |
| Total risk-based capital ratio | 16.8926% | 2,793 |
| Memoranda: | ||
| Average total assets | $201,354,000 | 3,148 |
| Average earning assets | $181,758,000 | 3,176 |
| Average equity | $20,406,000 | 3,124 |
| Average total loans | $141,765,670 | 2,981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 5,376 |
| Cost of funding earning assets | 1.7829% | 1,951 |
| Net interest margin | 3.1343% | 6,506 |
| Noninterest income to average assets | 0.2243% | 6,357 |
| Noninterest expense to average assets | 2.6283% | 5,235 |
| Loan and lease loss provision to assets | 0.0735% | 5,906 |
| Net operating income to assets | 0.2223% | 5,607 |
| Return on assets (ROA) | 0.2223% | 5,727 |
| Pretax return on assets | 0.3494% | 5,459 |
| Return on Equity (ROE) | 2.1951% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.1951% | 4,814 |
| Net charge-offs to loans | 1.2549% | 1,356 |
| Credit loss provision to net charge-offs | 8.2222% | 5,066 |
| Earnings coverage of net charge-offs (x) | 0.4733% | 4,601 |
| Efficiency ratio | 86.1418% | 1,780 |
| Assets per employee ($millions) | 4.0952% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,575 |
| Loan loss allowance to noncurrent loans | 15.5488% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 5.6622% | 1,080 |
| Noncurrent loans to loans | 6.2704% | 1,022 |
| Net loans and leases to total assets | 70.4054% | 2,826 |
| Net loans and leases to deposits | 79.2313% | 3,794 |
| Net loans and leases to core deposits | 79.7268% | 4,792 |
| Total domestic deposits to total assets | 88.8605% | 1,591 |
| Equity capital to assets | 10.1971% | 3,616 |
| Core capital (leverage) ratio | 10.1810% | 2,950 |
| Tier 1 risk-based capital ratio | 15.6872% | 2,787 |
| Total risk-based capital ratio | 16.7555% | 2,816 |
| Memoranda: | ||
| Average total assets | $201,496,000 | 3,203 |
| Average earning assets | $181,728,500 | 3,234 |
| Average equity | $20,409,500 | 3,148 |
| Average total loans | $143,437,000 | 3,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 5,675 |
| Cost of funding earning assets | 2.3595% | 1,427 |
| Net interest margin | 2.8343% | 7,002 |
| Noninterest income to average assets | 0.2566% | 6,275 |
| Noninterest expense to average assets | 2.6174% | 5,722 |
| Loan and lease loss provision to assets | 0.4239% | 4,284 |
| Net operating income to assets | -0.2629% | 5,912 |
| Return on assets (ROA) | -0.2513% | 5,898 |
| Pretax return on assets | -0.1876% | 5,687 |
| Return on Equity (ROE) | -2.5244% | 5,924 |
| Retained earnings to average equity (ytd only) | -2.5244% | 5,618 |
| Net charge-offs to loans | -0.0165% | 7,775 |
| Credit loss provision to net charge-offs | -3,662.5000% | 7,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0923% | 1,562 |
| Assets per employee ($millions) | 3.9672% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 5,043 |
| Loan loss allowance to noncurrent loans | 53.9958% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.8454% | 2,467 |
| Noncurrent loans to loans | 2.3169% | 3,270 |
| Net loans and leases to total assets | 70.3811% | 3,165 |
| Net loans and leases to deposits | 79.9596% | 4,004 |
| Net loans and leases to core deposits | 102.4785% | 3,749 |
| Total domestic deposits to total assets | 88.0209% | 1,967 |
| Equity capital to assets | 10.0614% | 3,678 |
| Core capital (leverage) ratio | 10.0423% | 3,043 |
| Tier 1 risk-based capital ratio | 15.5491% | 2,696 |
| Total risk-based capital ratio | 16.8006% | 2,645 |
| Memoranda: | ||
| Average total assets | $207,341,600 | 3,092 |
| Average earning assets | $189,147,400 | 3,103 |
| Average equity | $20,638,400 | 3,117 |
| Average total loans | $145,845,400 | 2,983 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 5,925 |
| Cost of funding earning assets | 2.4912% | 1,329 |
| Net interest margin | 2.6967% | 7,209 |
| Noninterest income to average assets | 0.2122% | 6,712 |
| Noninterest expense to average assets | 2.6194% | 5,647 |
| Loan and lease loss provision to assets | 0.3976% | 3,929 |
| Net operating income to assets | -0.4136% | 6,337 |
| Return on assets (ROA) | -0.3982% | 6,317 |
| Pretax return on assets | -0.3228% | 6,123 |
| Return on Equity (ROE) | -4.0111% | 6,339 |
| Retained earnings to average equity (ytd only) | -4.0111% | 6,111 |
| Net charge-offs to loans | 0.0046% | 6,914 |
| Credit loss provision to net charge-offs | 12,440.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 18.5907% | 1,342 |
| Efficiency ratio | 97.7810% | 1,172 |
| Assets per employee ($millions) | 3.9923% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 5,988 |
| Loan loss allowance to noncurrent loans | 45.7780% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 2.8152% | 2,463 |
| Noncurrent loans to loans | 2.3026% | 3,263 |
| Net loans and leases to total assets | 69.9843% | 3,518 |
| Net loans and leases to deposits | 79.4532% | 4,487 |
| Net loans and leases to core deposits | 103.6644% | 3,980 |
| Total domestic deposits to total assets | 88.0824% | 1,619 |
| Equity capital to assets | 9.9579% | 4,139 |
| Core capital (leverage) ratio | 9.9300% | 3,366 |
| Tier 1 risk-based capital ratio | 15.4586% | 2,847 |
| Total risk-based capital ratio | 16.6196% | 2,824 |
| Memoranda: | ||
| Average total assets | $208,595,250 | 3,100 |
| Average earning assets | $190,798,500 | 3,108 |
| Average equity | $20,708,750 | 3,137 |
| Average total loans | $146,255,750 | 3,012 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 6,126 |
| Cost of funding earning assets | 2.5772% | 1,352 |
| Net interest margin | 2.6104% | 7,350 |
| Noninterest income to average assets | 0.2359% | 6,595 |
| Noninterest expense to average assets | 2.6491% | 5,562 |
| Loan and lease loss provision to assets | -0.0105% | 8,143 |
| Net operating income to assets | -0.2619% | 6,276 |
| Return on assets (ROA) | -0.2473% | 6,272 |
| Pretax return on assets | 0.0152% | 5,831 |
| Return on Equity (ROE) | -2.4936% | 6,297 |
| Retained earnings to average equity (ytd only) | -2.4936% | 5,863 |
| Net charge-offs to loans | 0.0231% | 6,170 |
| Credit loss provision to net charge-offs | -64.7059% | 6,927 |
| Earnings coverage of net charge-offs (x) | -1.1176% | 6,253 |
| Efficiency ratio | 100.6869% | 1,144 |
| Assets per employee ($millions) | 4.1192% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 7,613 |
| Loan loss allowance to noncurrent loans | 64.7146% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.7898% | 3,492 |
| Noncurrent loans to loans | 0.9465% | 5,334 |
| Net loans and leases to total assets | 67.4248% | 4,269 |
| Net loans and leases to deposits | 76.3961% | 5,109 |
| Net loans and leases to core deposits | 99.5173% | 4,551 |
| Total domestic deposits to total assets | 88.2569% | 1,644 |
| Equity capital to assets | 9.8320% | 4,175 |
| Core capital (leverage) ratio | 9.7976% | 3,524 |
| Tier 1 risk-based capital ratio | 15.6047% | 2,764 |
| Total risk-based capital ratio | 16.2668% | 2,949 |
| Memoranda: | ||
| Average total assets | $210,258,000 | 3,100 |
| Average earning assets | $192,919,330 | 3,110 |
| Average equity | $20,853,330 | 3,119 |
| Average total loans | $147,004,000 | 3,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 5,903 |
| Cost of funding earning assets | 2.6147% | 1,513 |
| Net interest margin | 2.6827% | 7,243 |
| Noninterest income to average assets | 0.1749% | 7,058 |
| Noninterest expense to average assets | 2.5976% | 5,457 |
| Loan and lease loss provision to assets | -0.0209% | 8,181 |
| Net operating income to assets | 0.0605% | 6,094 |
| Return on assets (ROA) | 0.0989% | 6,149 |
| Pretax return on assets | 0.1179% | 6,124 |
| Return on Equity (ROE) | 0.9927% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.9927% | 5,245 |
| Net charge-offs to loans | -0.0134% | 7,345 |
| Credit loss provision to net charge-offs | 220.0000% | 2,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0617% | 1,216 |
| Assets per employee ($millions) | 4.3166% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6198% | 7,625 |
| Loan loss allowance to noncurrent loans | 69.7040% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 3,119 |
| Noncurrent loans to loans | 0.8891% | 5,226 |
| Net loans and leases to total assets | 67.8511% | 4,173 |
| Net loans and leases to deposits | 76.9248% | 5,094 |
| Net loans and leases to core deposits | 101.3231% | 4,409 |
| Total domestic deposits to total assets | 88.2045% | 1,646 |
| Equity capital to assets | 9.9195% | 4,087 |
| Core capital (leverage) ratio | 9.8799% | 3,547 |
| Tier 1 risk-based capital ratio | 15.6439% | 2,799 |
| Total risk-based capital ratio | 16.3142% | 2,977 |
| Memoranda: | ||
| Average total assets | $210,347,000 | 3,113 |
| Average earning assets | $193,983,500 | 3,095 |
| Average equity | $20,952,500 | 3,125 |
| Average total loans | $149,246,500 | 3,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7559% | 6,574 |
| Cost of funding earning assets | 3.1066% | 1,487 |
| Net interest margin | 2.6493% | 7,580 |
| Noninterest income to average assets | 0.2345% | 6,761 |
| Noninterest expense to average assets | 2.7742% | 4,935 |
| Loan and lease loss provision to assets | 0.3323% | 3,736 |
| Net operating income to assets | -0.1398% | 6,548 |
| Return on assets (ROA) | -0.1030% | 6,351 |
| Pretax return on assets | -0.3604% | 6,508 |
| Return on Equity (ROE) | -1.0440% | 6,375 |
| Retained earnings to average equity (ytd only) | -1.0440% | 5,615 |
| Net charge-offs to loans | 0.4363% | 2,648 |
| Credit loss provision to net charge-offs | 102.4531% | 5,197 |
| Earnings coverage of net charge-offs (x) | -0.2641% | 6,402 |
| Efficiency ratio | 103.1859% | 888 |
| Assets per employee ($millions) | 3.6698% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5847% | 7,705 |
| Loan loss allowance to noncurrent loans | 58.9274% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 2,673 |
| Noncurrent loans to loans | 0.9923% | 4,612 |
| Net loans and leases to total assets | 73.2299% | 3,301 |
| Net loans and leases to deposits | 84.2359% | 4,391 |
| Net loans and leases to core deposits | 111.1552% | 3,658 |
| Total domestic deposits to total assets | 86.9343% | 1,966 |
| Equity capital to assets | 10.0028% | 4,034 |
| Core capital (leverage) ratio | 9.9654% | 3,477 |
| Tier 1 risk-based capital ratio | 15.0181% | 3,039 |
| Total risk-based capital ratio | 15.6675% | 3,244 |
| Memoranda: | ||
| Average total assets | $213,647,000 | 2,956 |
| Average earning assets | $197,901,600 | 2,913 |
| Average equity | $21,073,600 | 3,090 |
| Average total loans | $158,836,000 | 2,787 |