Home > Coastal Community Bank > Performance and Condition Ratios
Coastal Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6474% | 69 |
| Cost of funding earning assets | 3.3087% | 276 |
| Net interest margin | 7.3387% | 39 |
| Noninterest income to average assets | 7.9400% | 113 |
| Noninterest expense to average assets | 6.1622% | 171 |
| Loan and lease loss provision to assets | 7.0300% | 6 |
| Net operating income to assets | 1.2161% | 1,466 |
| Return on assets (ROA) | 1.2161% | 1,476 |
| Pretax return on assets | 1.5442% | 1,205 |
| Return on Equity (ROE) | 13.0600% | 1,344 |
| Retained earnings to average equity (ytd only) | 13.0647% | 216 |
| Net charge-offs to loans | 6.5395% | 38 |
| Credit loss provision to net charge-offs | 127.8425% | 1,581 |
| Earnings coverage of net charge-offs (x) | 1.5703% | 2,890 |
| Efficiency ratio | 41.8211% | 4,293 |
| Assets per employee ($millions) | 8.4385% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0466% | 78 |
| Loan loss allowance to noncurrent loans | 282.4853% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 358 |
| Noncurrent loans to loans | 1.7865% | 477 |
| Net loans and leases to total assets | 80.8700% | 555 |
| Net loans and leases to deposits | 91.6607% | 1,067 |
| Net loans and leases to core deposits | 104.6400% | 1,203 |
| Total domestic deposits to total assets | 88.2300% | 1,425 |
| Equity capital to assets | 10.5907% | 1,778 |
| Core capital (leverage) ratio | 10.6422% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2828% | 2,122 |
| Memoranda: | ||
| Average total assets | $3,949,834,200 | 342 |
| Average earning assets | $3,659,347,000 | 328 |
| Average equity | $367,670,400 | 365 |
| Average total loans | $3,297,293,000 | 295 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7757% | 68 |
| Cost of funding earning assets | 3.3710% | 259 |
| Net interest margin | 7.4048% | 36 |
| Noninterest income to average assets | 8.0800% | 100 |
| Noninterest expense to average assets | 6.1244% | 167 |
| Loan and lease loss provision to assets | 7.3600% | 4 |
| Net operating income to assets | 1.1590% | 1,606 |
| Return on assets (ROA) | 1.1590% | 1,609 |
| Pretax return on assets | 1.4628% | 1,376 |
| Return on Equity (ROE) | 12.9200% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.9201% | 397 |
| Net charge-offs to loans | 6.5616% | 34 |
| Credit loss provision to net charge-offs | 133.3807% | 1,390 |
| Earnings coverage of net charge-offs (x) | 1.6195% | 2,649 |
| Efficiency ratio | 40.9711% | 4,318 |
| Assets per employee ($millions) | 8.4636% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9692% | 83 |
| Loan loss allowance to noncurrent loans | 256.5361% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 294 |
| Noncurrent loans to loans | 1.9370% | 410 |
| Net loans and leases to total assets | 80.1500% | 607 |
| Net loans and leases to deposits | 89.6210% | 1,280 |
| Net loans and leases to core deposits | 101.4864% | 1,392 |
| Total domestic deposits to total assets | 89.4300% | 769 |
| Equity capital to assets | 9.1264% | 2,935 |
| Core capital (leverage) ratio | 9.2920% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6327% | 2,656 |
| Memoranda: | ||
| Average total assets | $3,907,792,500 | 337 |
| Average earning assets | $3,625,815,750 | 325 |
| Average equity | $350,556,500 | 374 |
| Average total loans | $3,244,825,000 | 292 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4812% | 72 |
| Cost of funding earning assets | 3.3150% | 260 |
| Net interest margin | 7.1662% | 47 |
| Noninterest income to average assets | 8.1300% | 106 |
| Noninterest expense to average assets | 5.9246% | 176 |
| Loan and lease loss provision to assets | 7.5500% | 3 |
| Net operating income to assets | 1.0255% | 1,917 |
| Return on assets (ROA) | 1.0255% | 1,919 |
| Pretax return on assets | 1.3245% | 1,636 |
| Return on Equity (ROE) | 11.5000% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.5019% | 605 |
| Net charge-offs to loans | 6.9373% | 32 |
| Credit loss provision to net charge-offs | 128.0267% | 1,312 |
| Earnings coverage of net charge-offs (x) | 1.5484% | 2,457 |
| Efficiency ratio | 40.0459% | 4,355 |
| Assets per employee ($millions) | 8.2459% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4466% | 87 |
| Loan loss allowance to noncurrent loans | 278.0966% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3438% | 392 |
| Noncurrent loans to loans | 1.5989% | 528 |
| Net loans and leases to total assets | 80.3100% | 636 |
| Net loans and leases to deposits | 89.5661% | 1,337 |
| Net loans and leases to core deposits | 89.6618% | 2,165 |
| Total domestic deposits to total assets | 89.6600% | 799 |
| Equity capital to assets | 8.9860% | 2,744 |
| Core capital (leverage) ratio | 9.2379% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4422% | 2,706 |
| Memoranda: | ||
| Average total assets | $3,856,220,333 | 343 |
| Average earning assets | $3,586,603,667 | 330 |
| Average equity | $343,821,667 | 376 |
| Average total loans | $3,184,301,000 | 300 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1873% | 74 |
| Cost of funding earning assets | 3.2504% | 269 |
| Net interest margin | 6.9368% | 56 |
| Noninterest income to average assets | 9.1300% | 96 |
| Noninterest expense to average assets | 5.8634% | 175 |
| Loan and lease loss provision to assets | 8.7400% | 3 |
| Net operating income to assets | 0.7841% | 2,586 |
| Return on assets (ROA) | 0.7841% | 2,601 |
| Pretax return on assets | 1.0043% | 2,363 |
| Return on Equity (ROE) | 8.8300% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.8299% | 1,356 |
| Net charge-offs to loans | 7.3516% | 14 |
| Credit loss provision to net charge-offs | 138.9737% | 973 |
| Earnings coverage of net charge-offs (x) | 1.6203% | 2,040 |
| Efficiency ratio | 37.5643% | 4,391 |
| Assets per employee ($millions) | 7.9447% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3513% | 54 |
| Loan loss allowance to noncurrent loans | 247.3016% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 317 |
| Noncurrent loans to loans | 1.7595% | 406 |
| Net loans and leases to total assets | 79.2800% | 696 |
| Net loans and leases to deposits | 88.2574% | 1,346 |
| Net loans and leases to core deposits | 88.3282% | 2,149 |
| Total domestic deposits to total assets | 89.8300% | 850 |
| Equity capital to assets | 8.8676% | 2,765 |
| Core capital (leverage) ratio | 9.1928% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4260% | 2,724 |
| Memoranda: | ||
| Average total assets | $3,805,321,500 | 348 |
| Average earning assets | $3,552,401,000 | 335 |
| Average equity | $337,899,000 | 387 |
| Average total loans | $3,113,221,500 | 306 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0437% | 73 |
| Cost of funding earning assets | 2.7057% | 244 |
| Net interest margin | 7.3380% | 47 |
| Noninterest income to average assets | 5.8900% | 117 |
| Noninterest expense to average assets | 5.8045% | 181 |
| Loan and lease loss provision to assets | 5.2400% | 7 |
| Net operating income to assets | 1.3424% | 1,342 |
| Return on assets (ROA) | 1.3424% | 1,312 |
| Pretax return on assets | 1.7193% | 1,026 |
| Return on Equity (ROE) | 15.4300% | 1,203 |
| Retained earnings to average equity (ytd only) | 15.4252% | 303 |
| Net charge-offs to loans | 4.9891% | 14 |
| Credit loss provision to net charge-offs | 126.9560% | 1,620 |
| Earnings coverage of net charge-offs (x) | 1.6854% | 2,748 |
| Efficiency ratio | 45.4657% | 4,213 |
| Assets per employee ($millions) | 7.4840% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8650% | 63 |
| Loan loss allowance to noncurrent loans | 217.2366% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 272 |
| Noncurrent loans to loans | 1.7792% | 342 |
| Net loans and leases to total assets | 77.5900% | 902 |
| Net loans and leases to deposits | 86.4301% | 1,588 |
| Net loans and leases to core deposits | 86.5444% | 2,272 |
| Total domestic deposits to total assets | 89.7700% | 816 |
| Equity capital to assets | 8.8920% | 2,750 |
| Core capital (leverage) ratio | 9.0554% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5780% | 2,698 |
| Memoranda: | ||
| Average total assets | $3,509,268,200 | 354 |
| Average earning assets | $3,289,343,200 | 340 |
| Average equity | $305,396,800 | 393 |
| Average total loans | $2,905,671,000 | 310 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9827% | 69 |
| Cost of funding earning assets | 2.5185% | 265 |
| Net interest margin | 7.4643% | 41 |
| Noninterest income to average assets | 5.4900% | 119 |
| Noninterest expense to average assets | 5.8865% | 182 |
| Loan and lease loss provision to assets | 4.7600% | 10 |
| Net operating income to assets | 1.4459% | 1,229 |
| Return on assets (ROA) | 1.4459% | 1,211 |
| Pretax return on assets | 1.8419% | 938 |
| Return on Equity (ROE) | 16.7100% | 1,132 |
| Retained earnings to average equity (ytd only) | 16.7130% | 409 |
| Net charge-offs to loans | 4.6411% | 19 |
| Credit loss provision to net charge-offs | 123.1820% | 1,460 |
| Earnings coverage of net charge-offs (x) | 1.7069% | 2,521 |
| Efficiency ratio | 47.1267% | 4,082 |
| Assets per employee ($millions) | 6.9597% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4069% | 87 |
| Loan loss allowance to noncurrent loans | 232.1658% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1849% | 383 |
| Noncurrent loans to loans | 1.4675% | 502 |
| Net loans and leases to total assets | 77.9900% | 886 |
| Net loans and leases to deposits | 86.9473% | 1,474 |
| Net loans and leases to core deposits | 87.0778% | 2,119 |
| Total domestic deposits to total assets | 89.7000% | 1,020 |
| Equity capital to assets | 8.7714% | 2,552 |
| Core capital (leverage) ratio | 8.9950% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4815% | 2,733 |
| Memoranda: | ||
| Average total assets | $3,449,211,250 | 362 |
| Average earning assets | $3,233,858,750 | 350 |
| Average equity | $298,394,500 | 399 |
| Average total loans | $2,875,565,750 | 313 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7309% | 68 |
| Cost of funding earning assets | 2.2546% | 305 |
| Net interest margin | 7.4763% | 39 |
| Noninterest income to average assets | 6.3800% | 105 |
| Noninterest expense to average assets | 5.6918% | 183 |
| Loan and lease loss provision to assets | 5.6900% | 6 |
| Net operating income to assets | 1.5732% | 982 |
| Return on assets (ROA) | 1.5732% | 981 |
| Pretax return on assets | 2.0025% | 748 |
| Return on Equity (ROE) | 18.2800% | 917 |
| Retained earnings to average equity (ytd only) | 18.2778% | 326 |
| Net charge-offs to loans | 4.4471% | 19 |
| Credit loss provision to net charge-offs | 151.9767% | 1,189 |
| Earnings coverage of net charge-offs (x) | 2.0508% | 2,328 |
| Efficiency ratio | 42.5335% | 4,316 |
| Assets per employee ($millions) | 6.9808% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6393% | 82 |
| Loan loss allowance to noncurrent loans | 328.4075% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 505 |
| Noncurrent loans to loans | 1.1082% | 644 |
| Net loans and leases to total assets | 83.0300% | 331 |
| Net loans and leases to deposits | 92.5314% | 983 |
| Net loans and leases to core deposits | 92.7476% | 1,639 |
| Total domestic deposits to total assets | 89.7300% | 1,005 |
| Equity capital to assets | 8.7783% | 2,672 |
| Core capital (leverage) ratio | 9.1615% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7962% | 2,870 |
| Memoranda: | ||
| Average total assets | $3,374,041,333 | 353 |
| Average earning assets | $3,161,011,333 | 346 |
| Average equity | $290,418,000 | 397 |
| Average total loans | $2,845,076,000 | 303 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0549% | 37 |
| Cost of funding earning assets | 1.9320% | 340 |
| Net interest margin | 7.1229% | 43 |
| Noninterest income to average assets | 5.9800% | 119 |
| Noninterest expense to average assets | 5.3876% | 209 |
| Loan and lease loss provision to assets | 5.3000% | 5 |
| Net operating income to assets | 1.5883% | 1,003 |
| Return on assets (ROA) | 1.5883% | 999 |
| Pretax return on assets | 1.9786% | 811 |
| Return on Equity (ROE) | 18.6500% | 936 |
| Retained earnings to average equity (ytd only) | 18.6507% | 464 |
| Net charge-offs to loans | 4.7055% | 19 |
| Credit loss provision to net charge-offs | 134.8028% | 990 |
| Earnings coverage of net charge-offs (x) | 1.8573% | 1,952 |
| Efficiency ratio | 42.5192% | 4,367 |
| Assets per employee ($millions) | 7.4797% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1113% | 119 |
| Loan loss allowance to noncurrent loans | 282.5355% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 483 |
| Noncurrent loans to loans | 1.1012% | 645 |
| Net loans and leases to total assets | 80.4900% | 495 |
| Net loans and leases to deposits | 89.4421% | 1,095 |
| Net loans and leases to core deposits | 89.6639% | 1,635 |
| Total domestic deposits to total assets | 89.9900% | 1,159 |
| Equity capital to assets | 8.5768% | 2,833 |
| Core capital (leverage) ratio | 9.3522% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0343% | 2,941 |
| Memoranda: | ||
| Average total assets | $3,294,921,500 | 369 |
| Average earning assets | $3,097,156,500 | 359 |
| Average equity | $280,590,500 | 413 |
| Average total loans | $2,745,876,000 | 320 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8630% | 50 |
| Cost of funding earning assets | 0.6811% | 637 |
| Net interest margin | 6.1819% | 49 |
| Noninterest income to average assets | 4.2400% | 142 |
| Noninterest expense to average assets | 5.6435% | 183 |
| Loan and lease loss provision to assets | 2.6800% | 14 |
| Net operating income to assets | 1.4501% | 1,007 |
| Return on assets (ROA) | 1.4501% | 965 |
| Pretax return on assets | 1.8062% | 723 |
| Return on Equity (ROE) | 18.0800% | 693 |
| Retained earnings to average equity (ytd only) | 18.0822% | 140 |
| Net charge-offs to loans | 1.4773% | 48 |
| Credit loss provision to net charge-offs | 236.2578% | 1,024 |
| Earnings coverage of net charge-offs (x) | 3.9566% | 2,441 |
| Efficiency ratio | 55.7292% | 3,605 |
| Assets per employee ($millions) | 7.0127% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8177% | 146 |
| Loan loss allowance to noncurrent loans | 223.1469% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 403 |
| Noncurrent loans to loans | 1.2627% | 546 |
| Net loans and leases to total assets | 81.2700% | 475 |
| Net loans and leases to deposits | 89.8872% | 1,064 |
| Net loans and leases to core deposits | 93.4674% | 1,320 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 8.4490% | 2,739 |
| Core capital (leverage) ratio | 8.5647% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0381% | 2,965 |
| Memoranda: | ||
| Average total assets | $2,940,396,800 | 401 |
| Average earning assets | $2,800,304,000 | 384 |
| Average equity | $235,800,600 | 462 |
| Average total loans | $2,255,215,000 | 342 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1423% | 72 |
| Cost of funding earning assets | 0.3870% | 1,384 |
| Net interest margin | 5.7552% | 59 |
| Noninterest income to average assets | 3.7800% | 155 |
| Noninterest expense to average assets | 5.4946% | 188 |
| Loan and lease loss provision to assets | 2.0800% | 16 |
| Net operating income to assets | 1.3343% | 1,258 |
| Return on assets (ROA) | 1.3343% | 1,232 |
| Pretax return on assets | 1.6986% | 907 |
| Return on Equity (ROE) | 16.8800% | 819 |
| Retained earnings to average equity (ytd only) | 16.8847% | 216 |
| Net charge-offs to loans | 0.8918% | 58 |
| Credit loss provision to net charge-offs | 311.9201% | 795 |
| Earnings coverage of net charge-offs (x) | 5.6650% | 2,137 |
| Efficiency ratio | 59.2444% | 3,217 |
| Assets per employee ($millions) | 7.0834% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3237% | 278 |
| Loan loss allowance to noncurrent loans | 259.0770% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 702 |
| Noncurrent loans to loans | 0.8969% | 873 |
| Net loans and leases to total assets | 79.5900% | 564 |
| Net loans and leases to deposits | 87.7711% | 1,051 |
| Net loans and leases to core deposits | 90.4688% | 1,269 |
| Total domestic deposits to total assets | 90.6800% | 1,373 |
| Equity capital to assets | 8.0278% | 2,870 |
| Core capital (leverage) ratio | 8.3367% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6011% | 3,091 |
| Memoranda: | ||
| Average total assets | $2,890,070,250 | 403 |
| Average earning assets | $2,760,131,000 | 388 |
| Average equity | $228,390,250 | 472 |
| Average total loans | $2,162,204,750 | 354 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 113 |
| Cost of funding earning assets | 0.1705% | 3,309 |
| Net interest margin | 5.1747% | 95 |
| Noninterest income to average assets | 3.3750% | 137 |
| Noninterest expense to average assets | 4.8557% | 180 |
| Loan and lease loss provision to assets | 1.9244% | 15 |
| Net operating income to assets | 1.2140% | 1,385 |
| Return on assets (ROA) | 1.2140% | 1,374 |
| Pretax return on assets | 1.5529% | 1,041 |
| Return on Equity (ROE) | 15.4525% | 807 |
| Retained earnings to average equity (ytd only) | 15.4525% | 228 |
| Net charge-offs to loans | 0.6209% | 101 |
| Credit loss provision to net charge-offs | 428.4628% | 679 |
| Earnings coverage of net charge-offs (x) | 7.7422% | 1,846 |
| Efficiency ratio | 58.2706% | 3,521 |
| Assets per employee ($millions) | 6.8509% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 489 |
| Loan loss allowance to noncurrent loans | 849.3891% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,359 |
| Noncurrent loans to loans | 0.2427% | 2,512 |
| Net loans and leases to total assets | 79.0385% | 477 |
| Net loans and leases to deposits | 86.8453% | 920 |
| Net loans and leases to core deposits | 89.6958% | 1,140 |
| Total domestic deposits to total assets | 91.0107% | 1,240 |
| Equity capital to assets | 8.0781% | 3,060 |
| Core capital (leverage) ratio | 8.3284% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6455% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,809,810,333 | 411 |
| Average earning assets | $2,692,162,000 | 396 |
| Average equity | $220,740,667 | 490 |
| Average total loans | $2,032,538,667 | 362 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 264 |
| Cost of funding earning assets | 0.0947% | 4,203 |
| Net interest margin | 4.4915% | 171 |
| Noninterest income to average assets | 3.2147% | 149 |
| Noninterest expense to average assets | 4.4304% | 214 |
| Loan and lease loss provision to assets | 1.8952% | 18 |
| Net operating income to assets | 0.9558% | 2,050 |
| Return on assets (ROA) | 0.9558% | 2,046 |
| Pretax return on assets | 1.2112% | 1,764 |
| Return on Equity (ROE) | 12.3562% | 1,208 |
| Retained earnings to average equity (ytd only) | 12.3562% | 547 |
| Net charge-offs to loans | 0.6057% | 110 |
| Credit loss provision to net charge-offs | 461.5549% | 542 |
| Earnings coverage of net charge-offs (x) | 7.5653% | 1,535 |
| Efficiency ratio | 58.7833% | 3,603 |
| Assets per employee ($millions) | 7.0580% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 646 |
| Loan loss allowance to noncurrent loans | 1,653.3049% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 3,251 |
| Noncurrent loans to loans | 0.1195% | 3,226 |
| Net loans and leases to total assets | 67.9493% | 1,216 |
| Net loans and leases to deposits | 74.3202% | 1,575 |
| Net loans and leases to core deposits | 76.8849% | 1,715 |
| Total domestic deposits to total assets | 91.4277% | 842 |
| Equity capital to assets | 7.7967% | 3,732 |
| Core capital (leverage) ratio | 8.1024% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5917% | 2,966 |
| Memoranda: | ||
| Average total assets | $2,731,485,500 | 422 |
| Average earning assets | $2,628,539,500 | 405 |
| Average equity | $211,294,500 | 517 |
| Average total loans | $1,851,806,000 | 389 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 1,443 |
| Cost of funding earning assets | 0.1361% | 4,106 |
| Net interest margin | 3.8288% | 952 |
| Noninterest income to average assets | 1.2186% | 716 |
| Noninterest expense to average assets | 2.8763% | 1,203 |
| Loan and lease loss provision to assets | 0.4556% | 131 |
| Net operating income to assets | 1.2353% | 1,790 |
| Return on assets (ROA) | 1.2353% | 1,855 |
| Pretax return on assets | 1.5728% | 1,502 |
| Return on Equity (ROE) | 15.9269% | 772 |
| Retained earnings to average equity (ytd only) | 15.9269% | 179 |
| Net charge-offs to loans | 0.0324% | 1,588 |
| Credit loss provision to net charge-offs | 1,819.2661% | 333 |
| Earnings coverage of net charge-offs (x) | 80.9963% | 989 |
| Efficiency ratio | 58.6432% | 3,337 |
| Assets per employee ($millions) | 6.9833% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,169 |
| Loan loss allowance to noncurrent loans | 1,657.9039% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,512 |
| Noncurrent loans to loans | 0.0992% | 3,435 |
| Net loans and leases to total assets | 65.0686% | 1,577 |
| Net loans and leases to deposits | 71.7307% | 1,937 |
| Net loans and leases to core deposits | 74.3185% | 2,052 |
| Total domestic deposits to total assets | 90.7125% | 619 |
| Equity capital to assets | 7.6697% | 4,517 |
| Core capital (leverage) ratio | 7.9638% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3748% | 2,806 |
| Memoranda: | ||
| Average total assets | $2,176,231,200 | 483 |
| Average earning assets | $2,095,094,000 | 468 |
| Average equity | $168,783,400 | 640 |
| Average total loans | $1,683,664,800 | 416 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 1,854 |
| Cost of funding earning assets | 0.1522% | 4,088 |
| Net interest margin | 3.7181% | 1,299 |
| Noninterest income to average assets | 0.7972% | 1,533 |
| Noninterest expense to average assets | 2.6954% | 1,601 |
| Loan and lease loss provision to assets | 0.0629% | 1,741 |
| Net operating income to assets | 1.2489% | 1,994 |
| Return on assets (ROA) | 1.2489% | 2,058 |
| Pretax return on assets | 1.6121% | 1,660 |
| Return on Equity (ROE) | 16.0462% | 942 |
| Retained earnings to average equity (ytd only) | 16.0462% | 299 |
| Net charge-offs to loans | 0.0010% | 2,410 |
| Credit loss provision to net charge-offs | 7,484.6154% | 106 |
| Earnings coverage of net charge-offs (x) | 1,992.7692% | 71 |
| Efficiency ratio | 61.6741% | 2,745 |
| Assets per employee ($millions) | 7.1396% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 3,051 |
| Loan loss allowance to noncurrent loans | 2,736.4005% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,965 |
| Noncurrent loans to loans | 0.0433% | 3,901 |
| Net loans and leases to total assets | 68.8035% | 1,220 |
| Net loans and leases to deposits | 75.5317% | 1,712 |
| Net loans and leases to core deposits | 76.9955% | 1,963 |
| Total domestic deposits to total assets | 91.0923% | 340 |
| Equity capital to assets | 7.3097% | 4,754 |
| Core capital (leverage) ratio | 8.1399% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3178% | 2,900 |
| Memoranda: | ||
| Average total assets | $2,062,114,750 | 518 |
| Average earning assets | $1,981,780,500 | 501 |
| Average equity | $160,499,250 | 682 |
| Average total loans | $1,669,158,000 | 424 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 1,377 |
| Cost of funding earning assets | 0.1798% | 3,949 |
| Net interest margin | 3.9060% | 961 |
| Noninterest income to average assets | 0.7968% | 1,542 |
| Noninterest expense to average assets | 2.6575% | 1,699 |
| Loan and lease loss provision to assets | 0.0743% | 1,591 |
| Net operating income to assets | 1.4027% | 1,558 |
| Return on assets (ROA) | 1.4027% | 1,624 |
| Pretax return on assets | 1.8160% | 1,194 |
| Return on Equity (ROE) | 17.5701% | 703 |
| Retained earnings to average equity (ytd only) | 17.5701% | 240 |
| Net charge-offs to loans | 0.0017% | 2,155 |
| Credit loss provision to net charge-offs | 5,128.5714% | 133 |
| Earnings coverage of net charge-offs (x) | 1,305.0714% | 95 |
| Efficiency ratio | 58.4353% | 3,224 |
| Assets per employee ($millions) | 6.2494% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,912 |
| Loan loss allowance to noncurrent loans | 3,081.1728% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,036 |
| Noncurrent loans to loans | 0.0391% | 4,002 |
| Net loans and leases to total assets | 81.6486% | 233 |
| Net loans and leases to deposits | 90.6748% | 611 |
| Net loans and leases to core deposits | 92.8719% | 957 |
| Total domestic deposits to total assets | 90.0456% | 754 |
| Equity capital to assets | 8.0515% | 4,502 |
| Core capital (leverage) ratio | 8.2057% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7034% | 2,808 |
| Memoranda: | ||
| Average total assets | $1,933,192,667 | 547 |
| Average earning assets | $1,856,426,000 | 528 |
| Average equity | $154,330,333 | 702 |
| Average total loans | $1,657,164,333 | 431 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 1,568 |
| Cost of funding earning assets | 0.1921% | 3,990 |
| Net interest margin | 3.8284% | 1,088 |
| Noninterest income to average assets | 0.6223% | 2,122 |
| Noninterest expense to average assets | 2.5646% | 1,976 |
| Loan and lease loss provision to assets | 0.0753% | 1,679 |
| Net operating income to assets | 1.3231% | 1,750 |
| Return on assets (ROA) | 1.3231% | 1,836 |
| Pretax return on assets | 1.6685% | 1,562 |
| Return on Equity (ROE) | 16.6489% | 900 |
| Retained earnings to average equity (ytd only) | 16.6489% | 451 |
| Net charge-offs to loans | 0.0022% | 1,842 |
| Credit loss provision to net charge-offs | 3,966.6667% | 143 |
| Earnings coverage of net charge-offs (x) | 918.7778% | 108 |
| Efficiency ratio | 59.5252% | 3,082 |
| Assets per employee ($millions) | 7.3221% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,382 |
| Loan loss allowance to noncurrent loans | 2,966.7171% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,130 |
| Noncurrent loans to loans | 0.0374% | 4,095 |
| Net loans and leases to total assets | 86.1296% | 88 |
| Net loans and leases to deposits | 104.2017% | 201 |
| Net loans and leases to core deposits | 106.8715% | 484 |
| Total domestic deposits to total assets | 82.6566% | 3,771 |
| Equity capital to assets | 7.5943% | 4,681 |
| Core capital (leverage) ratio | 8.8383% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6982% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,896,759,500 | 556 |
| Average earning assets | $1,826,250,000 | 532 |
| Average equity | $150,737,000 | 711 |
| Average total loans | $1,656,803,500 | 430 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 1,622 |
| Cost of funding earning assets | 0.3451% | 3,894 |
| Net interest margin | 4.0432% | 889 |
| Noninterest income to average assets | 0.5635% | 2,358 |
| Noninterest expense to average assets | 2.5106% | 2,813 |
| Loan and lease loss provision to assets | 0.5536% | 395 |
| Net operating income to assets | 1.0837% | 1,975 |
| Return on assets (ROA) | 1.0837% | 2,108 |
| Pretax return on assets | 1.3692% | 1,754 |
| Return on Equity (ROE) | 11.8914% | 1,349 |
| Retained earnings to average equity (ytd only) | 11.8914% | 327 |
| Net charge-offs to loans | 0.0400% | 2,260 |
| Credit loss provision to net charge-offs | 1,610.0775% | 520 |
| Earnings coverage of net charge-offs (x) | 55.9244% | 1,109 |
| Efficiency ratio | 56.6301% | 3,903 |
| Assets per employee ($millions) | 7.0612% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,718 |
| Loan loss allowance to noncurrent loans | 2,705.3371% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,147 |
| Noncurrent loans to loans | 0.0460% | 4,112 |
| Net loans and leases to total assets | 86.5483% | 83 |
| Net loans and leases to deposits | 107.1093% | 209 |
| Net loans and leases to core deposits | 111.1389% | 477 |
| Total domestic deposits to total assets | 80.8037% | 3,907 |
| Equity capital to assets | 8.3524% | 4,553 |
| Core capital (leverage) ratio | 9.2879% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0577% | 2,605 |
| Memoranda: | ||
| Average total assets | $1,500,811,200 | 618 |
| Average earning assets | $1,436,481,400 | 589 |
| Average equity | $136,779,000 | 735 |
| Average total loans | $1,289,583,200 | 516 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 1,936 |
| Cost of funding earning assets | 0.3852% | 3,894 |
| Net interest margin | 3.9827% | 1,153 |
| Noninterest income to average assets | 0.5613% | 2,346 |
| Noninterest expense to average assets | 2.5411% | 2,719 |
| Loan and lease loss provision to assets | 0.5304% | 531 |
| Net operating income to assets | 1.0273% | 2,227 |
| Return on assets (ROA) | 1.0273% | 2,363 |
| Pretax return on assets | 1.2979% | 2,057 |
| Return on Equity (ROE) | 10.9895% | 1,681 |
| Retained earnings to average equity (ytd only) | 10.9895% | 579 |
| Net charge-offs to loans | 0.0144% | 2,604 |
| Credit loss provision to net charge-offs | 4,324.2424% | 259 |
| Earnings coverage of net charge-offs (x) | 149.0455% | 605 |
| Efficiency ratio | 58.1556% | 3,645 |
| Assets per employee ($millions) | 7.4742% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,039 |
| Loan loss allowance to noncurrent loans | 380.8311% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,150 |
| Noncurrent loans to loans | 0.2965% | 3,214 |
| Net loans and leases to total assets | 85.3270% | 189 |
| Net loans and leases to deposits | 109.2742% | 241 |
| Net loans and leases to core deposits | 113.2407% | 588 |
| Total domestic deposits to total assets | 78.0852% | 4,186 |
| Equity capital to assets | 8.1229% | 4,670 |
| Core capital (leverage) ratio | 9.4264% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9160% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,434,687,000 | 623 |
| Average earning assets | $1,371,790,750 | 599 |
| Average equity | $134,112,250 | 743 |
| Average total loans | $1,225,202,500 | 531 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,901 |
| Cost of funding earning assets | 0.4474% | 3,806 |
| Net interest margin | 4.0563% | 1,206 |
| Noninterest income to average assets | 0.6208% | 2,056 |
| Noninterest expense to average assets | 2.6741% | 2,458 |
| Loan and lease loss provision to assets | 0.5275% | 652 |
| Net operating income to assets | 1.0180% | 2,261 |
| Return on assets (ROA) | 1.0180% | 2,388 |
| Pretax return on assets | 1.2855% | 2,087 |
| Return on Equity (ROE) | 10.2981% | 1,885 |
| Retained earnings to average equity (ytd only) | 10.2981% | 737 |
| Net charge-offs to loans | 0.0232% | 2,253 |
| Credit loss provision to net charge-offs | 2,677.8626% | 391 |
| Earnings coverage of net charge-offs (x) | 92.0305% | 735 |
| Efficiency ratio | 59.5951% | 3,469 |
| Assets per employee ($millions) | 7.5941% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,434 |
| Loan loss allowance to noncurrent loans | 334.6934% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,259 |
| Noncurrent loans to loans | 0.3065% | 3,288 |
| Net loans and leases to total assets | 85.3420% | 170 |
| Net loans and leases to deposits | 109.1483% | 247 |
| Net loans and leases to core deposits | 113.4774% | 616 |
| Total domestic deposits to total assets | 78.1890% | 4,165 |
| Equity capital to assets | 8.2018% | 4,634 |
| Core capital (leverage) ratio | 9.6099% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1106% | 2,133 |
| Memoranda: | ||
| Average total assets | $1,329,927,333 | 657 |
| Average earning assets | $1,267,669,000 | 634 |
| Average equity | $131,460,667 | 748 |
| Average total loans | $1,130,474,667 | 556 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 1,494 |
| Cost of funding earning assets | 0.5731% | 3,575 |
| Net interest margin | 4.2006% | 921 |
| Noninterest income to average assets | 0.9137% | 1,044 |
| Noninterest expense to average assets | 3.0886% | 1,669 |
| Loan and lease loss provision to assets | 0.5461% | 526 |
| Net operating income to assets | 1.0103% | 2,144 |
| Return on assets (ROA) | 1.0103% | 2,245 |
| Pretax return on assets | 1.2747% | 1,948 |
| Return on Equity (ROE) | 9.0959% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.0959% | 951 |
| Net charge-offs to loans | 0.0506% | 1,506 |
| Credit loss provision to net charge-offs | 1,282.9268% | 481 |
| Earnings coverage of net charge-offs (x) | 42.7724% | 999 |
| Efficiency ratio | 62.9115% | 3,384 |
| Assets per employee ($millions) | 5.7723% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,202 |
| Loan loss allowance to noncurrent loans | 1,693.9712% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,277 |
| Noncurrent loans to loans | 0.0759% | 4,211 |
| Net loans and leases to total assets | 83.8527% | 276 |
| Net loans and leases to deposits | 98.1250% | 699 |
| Net loans and leases to core deposits | 103.6647% | 1,212 |
| Total domestic deposits to total assets | 85.4549% | 2,229 |
| Equity capital to assets | 11.2968% | 2,594 |
| Core capital (leverage) ratio | 11.6980% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8308% | 2,354 |
| Memoranda: | ||
| Average total assets | $1,155,741,500 | 725 |
| Average earning assets | $1,099,365,000 | 698 |
| Average equity | $128,365,500 | 758 |
| Average total loans | $972,141,500 | 615 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,963 |
| Cost of funding earning assets | 0.5782% | 3,728 |
| Net interest margin | 4.2488% | 1,210 |
| Noninterest income to average assets | 0.7547% | 1,611 |
| Noninterest expense to average assets | 2.8977% | 2,305 |
| Loan and lease loss provision to assets | 0.2393% | 791 |
| Net operating income to assets | 1.2989% | 1,691 |
| Return on assets (ROA) | 1.3116% | 1,725 |
| Pretax return on assets | 1.6559% | 1,321 |
| Return on Equity (ROE) | 12.4393% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.4393% | 208 |
| Net charge-offs to loans | 0.0570% | 2,286 |
| Credit loss provision to net charge-offs | 528.8981% | 555 |
| Earnings coverage of net charge-offs (x) | 41.5385% | 1,285 |
| Efficiency ratio | 60.6615% | 3,597 |
| Assets per employee ($millions) | 5.7854% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,315 |
| Loan loss allowance to noncurrent loans | 1,113.5922% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,177 |
| Noncurrent loans to loans | 0.1097% | 4,089 |
| Net loans and leases to total assets | 82.2259% | 532 |
| Net loans and leases to deposits | 94.4788% | 1,112 |
| Net loans and leases to core deposits | 99.9019% | 1,570 |
| Total domestic deposits to total assets | 87.0311% | 1,590 |
| Equity capital to assets | 10.9075% | 3,088 |
| Core capital (leverage) ratio | 11.2241% | 2,316 |
| Tier 1 risk-based capital ratio | 12.4276% | 4,115 |
| Total risk-based capital ratio | 13.6301% | 4,008 |
| Memoranda: | ||
| Average total assets | $1,063,262,800 | 741 |
| Average earning assets | $1,006,533,200 | 723 |
| Average equity | $112,112,400 | 814 |
| Average total loans | $843,526,400 | 686 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 2,162 |
| Cost of funding earning assets | 0.5796% | 3,775 |
| Net interest margin | 4.2074% | 1,363 |
| Noninterest income to average assets | 0.7630% | 1,547 |
| Noninterest expense to average assets | 2.9130% | 2,218 |
| Loan and lease loss provision to assets | 0.2195% | 782 |
| Net operating income to assets | 1.2753% | 1,933 |
| Return on assets (ROA) | 1.2925% | 1,975 |
| Pretax return on assets | 1.6315% | 1,521 |
| Return on Equity (ROE) | 12.3728% | 1,494 |
| Retained earnings to average equity (ytd only) | 12.3728% | 344 |
| Net charge-offs to loans | 0.0395% | 2,298 |
| Credit loss provision to net charge-offs | 709.4650% | 469 |
| Earnings coverage of net charge-offs (x) | 59.1156% | 1,065 |
| Efficiency ratio | 61.4269% | 3,416 |
| Assets per employee ($millions) | 5.6741% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,260 |
| Loan loss allowance to noncurrent loans | 837.5385% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,124 |
| Noncurrent loans to loans | 0.1487% | 4,007 |
| Net loans and leases to total assets | 79.2367% | 958 |
| Net loans and leases to deposits | 92.1688% | 1,415 |
| Net loans and leases to core deposits | 96.8248% | 1,928 |
| Total domestic deposits to total assets | 85.9691% | 2,010 |
| Equity capital to assets | 10.9354% | 3,155 |
| Core capital (leverage) ratio | 11.5375% | 2,186 |
| Tier 1 risk-based capital ratio | 12.8887% | 3,910 |
| Total risk-based capital ratio | 14.1137% | 3,819 |
| Memoranda: | ||
| Average total assets | $1,047,040,250 | 753 |
| Average earning assets | $990,265,750 | 735 |
| Average equity | $109,377,250 | 829 |
| Average total loans | $819,632,000 | 700 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 2,243 |
| Cost of funding earning assets | 0.5863% | 3,720 |
| Net interest margin | 4.1581% | 1,467 |
| Noninterest income to average assets | 0.7925% | 1,374 |
| Noninterest expense to average assets | 2.9414% | 2,164 |
| Loan and lease loss provision to assets | 0.2105% | 799 |
| Net operating income to assets | 1.2489% | 1,965 |
| Return on assets (ROA) | 1.2489% | 2,022 |
| Pretax return on assets | 1.5775% | 1,615 |
| Return on Equity (ROE) | 12.1554% | 1,518 |
| Retained earnings to average equity (ytd only) | 12.1554% | 391 |
| Net charge-offs to loans | 0.0127% | 2,681 |
| Credit loss provision to net charge-offs | 2,131.3725% | 172 |
| Earnings coverage of net charge-offs (x) | 181.0588% | 422 |
| Efficiency ratio | 62.1945% | 3,404 |
| Assets per employee ($millions) | 5.5126% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,327 |
| Loan loss allowance to noncurrent loans | 633.6772% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 3,964 |
| Noncurrent loans to loans | 0.1949% | 3,853 |
| Net loans and leases to total assets | 81.0004% | 734 |
| Net loans and leases to deposits | 94.0202% | 1,259 |
| Net loans and leases to core deposits | 99.5489% | 1,764 |
| Total domestic deposits to total assets | 86.1521% | 1,954 |
| Equity capital to assets | 10.6851% | 3,356 |
| Core capital (leverage) ratio | 11.0033% | 2,598 |
| Tier 1 risk-based capital ratio | 12.2666% | 4,258 |
| Total risk-based capital ratio | 13.4753% | 4,153 |
| Memoranda: | ||
| Average total assets | $1,032,911,330 | 759 |
| Average earning assets | $977,951,330 | 741 |
| Average equity | $106,125,330 | 848 |
| Average total loans | $801,471,330 | 718 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 2,391 |
| Cost of funding earning assets | 0.5864% | 3,644 |
| Net interest margin | 4.0601% | 1,665 |
| Noninterest income to average assets | 0.7633% | 1,385 |
| Noninterest expense to average assets | 2.9464% | 2,142 |
| Loan and lease loss provision to assets | 0.2089% | 759 |
| Net operating income to assets | 1.1556% | 2,239 |
| Return on assets (ROA) | 1.1556% | 2,296 |
| Pretax return on assets | 1.4597% | 1,888 |
| Return on Equity (ROE) | 11.4759% | 1,748 |
| Retained earnings to average equity (ytd only) | 11.4759% | 708 |
| Net charge-offs to loans | 0.0164% | 2,138 |
| Credit loss provision to net charge-offs | 1,687.5000% | 240 |
| Earnings coverage of net charge-offs (x) | 134.7813% | 545 |
| Efficiency ratio | 63.8444% | 3,263 |
| Assets per employee ($millions) | 6.2340% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,303 |
| Loan loss allowance to noncurrent loans | 754.5662% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,220 |
| Noncurrent loans to loans | 0.1661% | 4,006 |
| Net loans and leases to total assets | 70.0037% | 2,478 |
| Net loans and leases to deposits | 78.3877% | 3,020 |
| Net loans and leases to core deposits | 97.7808% | 1,793 |
| Total domestic deposits to total assets | 89.3045% | 725 |
| Equity capital to assets | 9.4798% | 4,279 |
| Core capital (leverage) ratio | 10.7036% | 2,844 |
| Tier 1 risk-based capital ratio | 12.6209% | 4,085 |
| Total risk-based capital ratio | 13.8361% | 3,994 |
| Memoranda: | ||
| Average total assets | $1,033,937,500 | 758 |
| Average earning assets | $980,869,000 | 740 |
| Average equity | $104,114,000 | 858 |
| Average total loans | $779,485,500 | 735 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 1,879 |
| Cost of funding earning assets | 0.3848% | 4,081 |
| Net interest margin | 4.3000% | 1,157 |
| Noninterest income to average assets | 0.6177% | 2,202 |
| Noninterest expense to average assets | 2.9904% | 2,067 |
| Loan and lease loss provision to assets | 0.2096% | 891 |
| Net operating income to assets | 1.1893% | 2,226 |
| Return on assets (ROA) | 1.1893% | 2,223 |
| Pretax return on assets | 1.4999% | 1,782 |
| Return on Equity (ROE) | 11.8541% | 1,768 |
| Retained earnings to average equity (ytd only) | 11.8541% | 331 |
| Net charge-offs to loans | 0.0614% | 2,250 |
| Credit loss provision to net charge-offs | 418.8073% | 796 |
| Earnings coverage of net charge-offs (x) | 34.1560% | 1,474 |
| Efficiency ratio | 63.6266% | 3,241 |
| Assets per employee ($millions) | 5.2022% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,437 |
| Loan loss allowance to noncurrent loans | 515.1698% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 3,859 |
| Noncurrent loans to loans | 0.2378% | 3,729 |
| Net loans and leases to total assets | 79.6739% | 986 |
| Net loans and leases to deposits | 92.0649% | 1,548 |
| Net loans and leases to core deposits | 95.9394% | 2,069 |
| Total domestic deposits to total assets | 86.5410% | 1,994 |
| Equity capital to assets | 10.7611% | 2,922 |
| Core capital (leverage) ratio | 11.3456% | 2,230 |
| Tier 1 risk-based capital ratio | 12.8447% | 3,943 |
| Total risk-based capital ratio | 14.0487% | 3,845 |
| Memoranda: | ||
| Average total assets | $871,127,400 | 877 |
| Average earning assets | $826,996,400 | 849 |
| Average equity | $87,396,000 | 959 |
| Average total loans | $709,642,400 | 783 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 2,036 |
| Cost of funding earning assets | 0.3713% | 4,039 |
| Net interest margin | 4.2088% | 1,337 |
| Noninterest income to average assets | 0.5942% | 2,340 |
| Noninterest expense to average assets | 2.9601% | 2,143 |
| Loan and lease loss provision to assets | 0.2195% | 759 |
| Net operating income to assets | 1.1191% | 2,582 |
| Return on assets (ROA) | 1.1191% | 2,594 |
| Pretax return on assets | 1.4076% | 2,199 |
| Return on Equity (ROE) | 11.3859% | 2,023 |
| Retained earnings to average equity (ytd only) | 11.3859% | 575 |
| Net charge-offs to loans | 0.0589% | 1,982 |
| Credit loss provision to net charge-offs | 456.3518% | 751 |
| Earnings coverage of net charge-offs (x) | 33.8244% | 1,508 |
| Efficiency ratio | 64.5295% | 3,096 |
| Assets per employee ($millions) | 5.2098% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,487 |
| Loan loss allowance to noncurrent loans | 361.4042% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 3,585 |
| Noncurrent loans to loans | 0.3387% | 3,448 |
| Net loans and leases to total assets | 80.1825% | 989 |
| Net loans and leases to deposits | 92.4656% | 1,570 |
| Net loans and leases to core deposits | 96.5224% | 2,063 |
| Total domestic deposits to total assets | 86.7160% | 1,863 |
| Equity capital to assets | 10.7347% | 2,910 |
| Core capital (leverage) ratio | 11.4232% | 2,230 |
| Tier 1 risk-based capital ratio | 12.8227% | 4,004 |
| Total risk-based capital ratio | 14.0256% | 3,941 |
| Memoranda: | ||
| Average total assets | $850,910,250 | 893 |
| Average earning assets | $807,275,250 | 869 |
| Average equity | $83,633,750 | 992 |
| Average total loans | $695,078,250 | 796 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 1,963 |
| Cost of funding earning assets | 0.3544% | 4,045 |
| Net interest margin | 4.1842% | 1,324 |
| Noninterest income to average assets | 0.5446% | 2,601 |
| Noninterest expense to average assets | 2.9702% | 2,134 |
| Loan and lease loss provision to assets | 0.2155% | 770 |
| Net operating income to assets | 1.0554% | 2,786 |
| Return on assets (ROA) | 1.0554% | 2,777 |
| Pretax return on assets | 1.3268% | 2,407 |
| Return on Equity (ROE) | 11.1153% | 2,060 |
| Retained earnings to average equity (ytd only) | 11.1153% | 643 |
| Net charge-offs to loans | 0.1090% | 1,284 |
| Credit loss provision to net charge-offs | 241.3514% | 1,169 |
| Earnings coverage of net charge-offs (x) | 17.2757% | 1,958 |
| Efficiency ratio | 65.8218% | 3,016 |
| Assets per employee ($millions) | 5.0019% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 2,608 |
| Loan loss allowance to noncurrent loans | 412.9594% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 3,792 |
| Noncurrent loans to loans | 0.2951% | 3,639 |
| Net loans and leases to total assets | 81.3993% | 792 |
| Net loans and leases to deposits | 92.7558% | 1,499 |
| Net loans and leases to core deposits | 97.0409% | 1,961 |
| Total domestic deposits to total assets | 87.7566% | 1,505 |
| Equity capital to assets | 9.5016% | 4,097 |
| Core capital (leverage) ratio | 10.1801% | 3,383 |
| Tier 1 risk-based capital ratio | 11.3001% | 4,900 |
| Total risk-based capital ratio | 12.5019% | 4,820 |
| Memoranda: | ||
| Average total assets | $828,908,000 | 919 |
| Average earning assets | $786,061,330 | 890 |
| Average equity | $78,702,330 | 1,035 |
| Average total loans | $678,665,000 | 812 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,065 |
| Cost of funding earning assets | 0.3352% | 4,101 |
| Net interest margin | 4.1024% | 1,434 |
| Noninterest income to average assets | 0.5143% | 2,722 |
| Noninterest expense to average assets | 2.9293% | 2,259 |
| Loan and lease loss provision to assets | 0.2449% | 612 |
| Net operating income to assets | 0.9787% | 2,945 |
| Return on assets (ROA) | 0.9787% | 2,974 |
| Pretax return on assets | 1.2295% | 2,641 |
| Return on Equity (ROE) | 10.3121% | 2,271 |
| Retained earnings to average equity (ytd only) | 10.3121% | 1,065 |
| Net charge-offs to loans | 0.0569% | 1,534 |
| Credit loss provision to net charge-offs | 527.3684% | 563 |
| Earnings coverage of net charge-offs (x) | 31.7474% | 1,207 |
| Efficiency ratio | 66.5187% | 3,075 |
| Assets per employee ($millions) | 5.2251% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,567 |
| Loan loss allowance to noncurrent loans | 495.4706% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,063 |
| Noncurrent loans to loans | 0.2505% | 3,863 |
| Net loans and leases to total assets | 80.6576% | 843 |
| Net loans and leases to deposits | 91.8791% | 1,466 |
| Net loans and leases to core deposits | 95.5208% | 2,014 |
| Total domestic deposits to total assets | 87.7866% | 1,740 |
| Equity capital to assets | 9.4297% | 4,152 |
| Core capital (leverage) ratio | 10.0858% | 3,443 |
| Tier 1 risk-based capital ratio | 11.3740% | 4,937 |
| Total risk-based capital ratio | 12.6017% | 4,850 |
| Memoranda: | ||
| Average total assets | $818,203,500 | 941 |
| Average earning assets | $775,741,000 | 910 |
| Average equity | $77,656,500 | 1,054 |
| Average total loans | $667,651,500 | 824 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 1,891 |
| Cost of funding earning assets | 0.2998% | 4,146 |
| Net interest margin | 4.1468% | 1,312 |
| Noninterest income to average assets | 0.5184% | 2,886 |
| Noninterest expense to average assets | 2.8995% | 2,457 |
| Loan and lease loss provision to assets | 0.1139% | 1,995 |
| Net operating income to assets | 0.7819% | 3,242 |
| Return on assets (ROA) | 0.7819% | 3,282 |
| Pretax return on assets | 1.4243% | 1,909 |
| Return on Equity (ROE) | 8.0495% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.0495% | 747 |
| Net charge-offs to loans | 0.0640% | 2,560 |
| Credit loss provision to net charge-offs | 219.1436% | 1,248 |
| Earnings coverage of net charge-offs (x) | 29.6045% | 1,562 |
| Efficiency ratio | 65.3396% | 3,376 |
| Assets per employee ($millions) | 5.1642% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,659 |
| Loan loss allowance to noncurrent loans | 378.1604% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 3,833 |
| Noncurrent loans to loans | 0.3228% | 3,614 |
| Net loans and leases to total assets | 80.5305% | 891 |
| Net loans and leases to deposits | 91.9529% | 1,532 |
| Net loans and leases to core deposits | 95.8170% | 2,036 |
| Total domestic deposits to total assets | 87.5780% | 1,719 |
| Equity capital to assets | 9.5544% | 4,187 |
| Core capital (leverage) ratio | 9.9434% | 3,527 |
| Tier 1 risk-based capital ratio | 11.6695% | 4,742 |
| Total risk-based capital ratio | 12.9041% | 4,634 |
| Memoranda: | ||
| Average total assets | $764,120,000 | 969 |
| Average earning assets | $722,193,000 | 951 |
| Average equity | $74,228,200 | 1,079 |
| Average total loans | $620,559,200 | 844 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 1,858 |
| Cost of funding earning assets | 0.2899% | 4,233 |
| Net interest margin | 4.1411% | 1,294 |
| Noninterest income to average assets | 0.5243% | 2,877 |
| Noninterest expense to average assets | 2.9098% | 2,366 |
| Loan and lease loss provision to assets | 0.0892% | 2,292 |
| Net operating income to assets | 0.9697% | 2,692 |
| Return on assets (ROA) | 0.9697% | 2,747 |
| Pretax return on assets | 1.4369% | 1,985 |
| Return on Equity (ROE) | 9.9387% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.9387% | 602 |
| Net charge-offs to loans | 0.0220% | 3,028 |
| Credit loss provision to net charge-offs | 499.0099% | 644 |
| Earnings coverage of net charge-offs (x) | 85.4179% | 775 |
| Efficiency ratio | 65.5980% | 3,276 |
| Assets per employee ($millions) | 4.8352% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,577 |
| Loan loss allowance to noncurrent loans | 316.3615% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 3,767 |
| Noncurrent loans to loans | 0.3985% | 3,524 |
| Net loans and leases to total assets | 79.9645% | 992 |
| Net loans and leases to deposits | 91.0649% | 1,682 |
| Net loans and leases to core deposits | 94.4117% | 2,230 |
| Total domestic deposits to total assets | 87.8105% | 1,465 |
| Equity capital to assets | 9.8500% | 4,084 |
| Core capital (leverage) ratio | 10.3320% | 3,164 |
| Tier 1 risk-based capital ratio | 11.9264% | 4,683 |
| Total risk-based capital ratio | 13.1765% | 4,557 |
| Memoranda: | ||
| Average total assets | $753,744,750 | 988 |
| Average earning assets | $711,973,500 | 970 |
| Average equity | $73,542,250 | 1,092 |
| Average total loans | $611,502,000 | 862 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 1,848 |
| Cost of funding earning assets | 0.2831% | 4,253 |
| Net interest margin | 4.1071% | 1,307 |
| Noninterest income to average assets | 0.4751% | 3,178 |
| Noninterest expense to average assets | 2.8748% | 2,501 |
| Loan and lease loss provision to assets | 0.1178% | 1,743 |
| Net operating income to assets | 0.9247% | 2,782 |
| Return on assets (ROA) | 0.9247% | 2,840 |
| Pretax return on assets | 1.3585% | 2,171 |
| Return on Equity (ROE) | 9.5094% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.5094% | 705 |
| Net charge-offs to loans | 0.0311% | 2,582 |
| Credit loss provision to net charge-offs | 467.0213% | 697 |
| Earnings coverage of net charge-offs (x) | 58.5426% | 968 |
| Efficiency ratio | 66.0707% | 3,341 |
| Assets per employee ($millions) | 4.9523% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,590 |
| Loan loss allowance to noncurrent loans | 335.1317% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 3,848 |
| Noncurrent loans to loans | 0.3777% | 3,672 |
| Net loans and leases to total assets | 83.3910% | 501 |
| Net loans and leases to deposits | 95.6441% | 1,110 |
| Net loans and leases to core deposits | 98.4358% | 1,771 |
| Total domestic deposits to total assets | 87.1889% | 1,860 |
| Equity capital to assets | 10.1125% | 3,780 |
| Core capital (leverage) ratio | 10.2468% | 3,211 |
| Tier 1 risk-based capital ratio | 11.7728% | 4,783 |
| Total risk-based capital ratio | 13.0231% | 4,675 |
| Memoranda: | ||
| Average total assets | $745,506,330 | 1,001 |
| Average earning assets | $703,570,000 | 983 |
| Average equity | $72,497,000 | 1,105 |
| Average total loans | $605,189,670 | 873 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,047 |
| Cost of funding earning assets | 0.2802% | 4,255 |
| Net interest margin | 3.9885% | 1,496 |
| Noninterest income to average assets | 0.4132% | 3,573 |
| Noninterest expense to average assets | 2.8293% | 2,691 |
| Loan and lease loss provision to assets | 0.2343% | 654 |
| Net operating income to assets | 0.7682% | 3,379 |
| Return on assets (ROA) | 0.7682% | 3,435 |
| Pretax return on assets | 1.1114% | 2,932 |
| Return on Equity (ROE) | 8.0576% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.0576% | 1,436 |
| Net charge-offs to loans | 0.1282% | 1,153 |
| Credit loss provision to net charge-offs | 229.8429% | 936 |
| Earnings coverage of net charge-offs (x) | 13.1990% | 1,800 |
| Efficiency ratio | 67.7663% | 3,239 |
| Assets per employee ($millions) | 5.3770% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,506 |
| Loan loss allowance to noncurrent loans | 379.2214% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 3,421 |
| Noncurrent loans to loans | 0.3447% | 3,865 |
| Net loans and leases to total assets | 77.6117% | 1,181 |
| Net loans and leases to deposits | 88.1415% | 1,776 |
| Net loans and leases to core deposits | 90.2731% | 2,330 |
| Total domestic deposits to total assets | 88.0535% | 1,690 |
| Equity capital to assets | 9.5227% | 4,268 |
| Core capital (leverage) ratio | 10.0679% | 3,417 |
| Tier 1 risk-based capital ratio | 11.8613% | 4,803 |
| Total risk-based capital ratio | 13.1119% | 4,713 |
| Memoranda: | ||
| Average total assets | $749,311,000 | 992 |
| Average earning assets | $706,736,000 | 977 |
| Average equity | $71,435,500 | 1,114 |
| Average total loans | $596,170,000 | 880 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,475 |
| Cost of funding earning assets | 0.3444% | 3,588 |
| Net interest margin | 4.1760% | 1,175 |
| Noninterest income to average assets | 0.6106% | 2,609 |
| Noninterest expense to average assets | 3.1086% | 2,006 |
| Loan and lease loss provision to assets | 0.2862% | 677 |
| Net operating income to assets | 0.7626% | 3,478 |
| Return on assets (ROA) | 0.7786% | 3,514 |
| Pretax return on assets | 1.1606% | 2,853 |
| Return on Equity (ROE) | 8.1762% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.1762% | 794 |
| Net charge-offs to loans | 0.0672% | 2,733 |
| Credit loss provision to net charge-offs | 528.6501% | 629 |
| Earnings coverage of net charge-offs (x) | 26.2837% | 1,552 |
| Efficiency ratio | 68.5996% | 3,150 |
| Assets per employee ($millions) | 5.2146% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,730 |
| Loan loss allowance to noncurrent loans | 468.2806% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,696 |
| Noncurrent loans to loans | 0.2702% | 4,181 |
| Net loans and leases to total assets | 79.4885% | 965 |
| Net loans and leases to deposits | 90.3610% | 1,639 |
| Net loans and leases to core deposits | 92.8300% | 2,224 |
| Total domestic deposits to total assets | 87.9677% | 1,646 |
| Equity capital to assets | 9.5445% | 4,225 |
| Core capital (leverage) ratio | 10.1121% | 3,349 |
| Tier 1 risk-based capital ratio | 11.5994% | 4,985 |
| Total risk-based capital ratio | 12.8495% | 4,898 |
| Memoranda: | ||
| Average total assets | $670,530,400 | 1,059 |
| Average earning assets | $629,568,800 | 1,035 |
| Average equity | $63,856,000 | 1,231 |
| Average total loans | $540,244,200 | 914 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 1,345 |
| Cost of funding earning assets | 0.3625% | 3,414 |
| Net interest margin | 4.2132% | 1,093 |
| Noninterest income to average assets | 0.5984% | 2,669 |
| Noninterest expense to average assets | 3.2317% | 1,716 |
| Loan and lease loss provision to assets | 0.2628% | 693 |
| Net operating income to assets | 0.7043% | 3,821 |
| Return on assets (ROA) | 0.7262% | 3,850 |
| Pretax return on assets | 1.0856% | 3,293 |
| Return on Equity (ROE) | 7.6306% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.6306% | 1,346 |
| Net charge-offs to loans | 0.0747% | 2,252 |
| Credit loss provision to net charge-offs | 436.2712% | 790 |
| Earnings coverage of net charge-offs (x) | 21.8443% | 1,797 |
| Efficiency ratio | 71.0681% | 2,728 |
| Assets per employee ($millions) | 4.7205% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,917 |
| Loan loss allowance to noncurrent loans | 249.7674% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 3,825 |
| Noncurrent loans to loans | 0.5030% | 3,493 |
| Net loans and leases to total assets | 78.5340% | 1,114 |
| Net loans and leases to deposits | 89.9370% | 1,762 |
| Net loans and leases to core deposits | 92.3850% | 2,342 |
| Total domestic deposits to total assets | 87.3212% | 1,753 |
| Equity capital to assets | 10.0244% | 4,108 |
| Core capital (leverage) ratio | 10.4585% | 3,038 |
| Tier 1 risk-based capital ratio | 12.2558% | 4,638 |
| Total risk-based capital ratio | 13.5058% | 4,535 |
| Memoranda: | ||
| Average total assets | $653,046,250 | 1,090 |
| Average earning assets | $612,093,250 | 1,067 |
| Average equity | $62,151,500 | 1,265 |
| Average total loans | $526,272,750 | 934 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,192 |
| Cost of funding earning assets | 0.3773% | 3,278 |
| Net interest margin | 4.2584% | 1,000 |
| Noninterest income to average assets | 0.5826% | 2,711 |
| Noninterest expense to average assets | 3.2299% | 1,742 |
| Loan and lease loss provision to assets | 0.3060% | 571 |
| Net operating income to assets | 0.6941% | 3,821 |
| Return on assets (ROA) | 0.7278% | 3,817 |
| Pretax return on assets | 1.0921% | 3,231 |
| Return on Equity (ROE) | 7.7985% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.7985% | 1,246 |
| Net charge-offs to loans | 0.0372% | 2,714 |
| Credit loss provision to net charge-offs | 1,016.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 44.7813% | 1,076 |
| Efficiency ratio | 70.5548% | 2,896 |
| Assets per employee ($millions) | 4.4273% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,844 |
| Loan loss allowance to noncurrent loans | 244.7969% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 3,725 |
| Noncurrent loans to loans | 0.5271% | 3,501 |
| Net loans and leases to total assets | 81.2944% | 710 |
| Net loans and leases to deposits | 92.6936% | 1,432 |
| Net loans and leases to core deposits | 95.0161% | 2,063 |
| Total domestic deposits to total assets | 87.7023% | 1,569 |
| Equity capital to assets | 9.4079% | 4,860 |
| Core capital (leverage) ratio | 9.5583% | 4,120 |
| Tier 1 risk-based capital ratio | 11.1420% | 5,335 |
| Total risk-based capital ratio | 12.3925% | 5,259 |
| Memoranda: | ||
| Average total assets | $637,849,670 | 1,112 |
| Average earning assets | $598,441,000 | 1,093 |
| Average equity | $59,524,000 | 1,308 |
| Average total loans | $516,481,000 | 948 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,189 |
| Cost of funding earning assets | 0.3835% | 3,261 |
| Net interest margin | 4.2443% | 1,009 |
| Noninterest income to average assets | 0.5650% | 2,716 |
| Noninterest expense to average assets | 3.1750% | 1,893 |
| Loan and lease loss provision to assets | 0.3731% | 387 |
| Net operating income to assets | 0.6601% | 3,932 |
| Return on assets (ROA) | 0.6938% | 3,855 |
| Pretax return on assets | 1.0436% | 3,305 |
| Return on Equity (ROE) | 7.4660% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.4660% | 1,680 |
| Net charge-offs to loans | 0.0016% | 3,065 |
| Credit loss provision to net charge-offs | 29,550.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 1,081.5000% | 37 |
| Efficiency ratio | 69.9249% | 3,149 |
| Assets per employee ($millions) | 4.8467% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 3,053 |
| Loan loss allowance to noncurrent loans | 244.0816% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 3,241 |
| Noncurrent loans to loans | 0.5204% | 3,625 |
| Net loans and leases to total assets | 79.3242% | 907 |
| Net loans and leases to deposits | 90.3287% | 1,539 |
| Net loans and leases to core deposits | 92.9275% | 2,096 |
| Total domestic deposits to total assets | 87.8172% | 1,735 |
| Equity capital to assets | 9.2175% | 4,974 |
| Core capital (leverage) ratio | 9.6196% | 4,014 |
| Tier 1 risk-based capital ratio | 11.0815% | 5,464 |
| Total risk-based capital ratio | 12.3315% | 5,369 |
| Memoranda: | ||
| Average total assets | $633,579,500 | 1,118 |
| Average earning assets | $593,450,000 | 1,097 |
| Average equity | $58,880,000 | 1,316 |
| Average total loans | $508,547,500 | 964 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 1,540 |
| Cost of funding earning assets | 0.4390% | 2,747 |
| Net interest margin | 4.0796% | 1,461 |
| Noninterest income to average assets | 0.4908% | 3,386 |
| Noninterest expense to average assets | 3.2972% | 1,724 |
| Loan and lease loss provision to assets | 0.1598% | 1,449 |
| Net operating income to assets | 0.5624% | 4,454 |
| Return on assets (ROA) | 0.5624% | 4,544 |
| Pretax return on assets | 0.8412% | 4,058 |
| Return on Equity (ROE) | 5.9730% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.9730% | 1,808 |
| Net charge-offs to loans | 0.1104% | 2,272 |
| Credit loss provision to net charge-offs | 184.8723% | 1,484 |
| Earnings coverage of net charge-offs (x) | 11.5776% | 2,554 |
| Efficiency ratio | 76.7103% | 2,163 |
| Assets per employee ($millions) | 4.6459% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,488 |
| Loan loss allowance to noncurrent loans | 221.2412% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,172 |
| Noncurrent loans to loans | 0.5423% | 3,538 |
| Net loans and leases to total assets | 79.2221% | 957 |
| Net loans and leases to deposits | 90.5836% | 1,545 |
| Net loans and leases to core deposits | 93.2454% | 2,112 |
| Total domestic deposits to total assets | 87.4574% | 1,903 |
| Equity capital to assets | 9.3716% | 4,707 |
| Core capital (leverage) ratio | 9.5808% | 4,074 |
| Tier 1 risk-based capital ratio | 11.1653% | 5,436 |
| Total risk-based capital ratio | 12.3129% | 5,391 |
| Memoranda: | ||
| Average total assets | $588,681,800 | 1,162 |
| Average earning assets | $549,411,000 | 1,146 |
| Average equity | $55,432,800 | 1,351 |
| Average total loans | $460,866,600 | 1,000 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,619 |
| Cost of funding earning assets | 0.4438% | 2,752 |
| Net interest margin | 4.0471% | 1,570 |
| Noninterest income to average assets | 0.5828% | 2,833 |
| Noninterest expense to average assets | 3.3375% | 1,600 |
| Loan and lease loss provision to assets | 0.1110% | 2,032 |
| Net operating income to assets | 0.6115% | 4,326 |
| Return on assets (ROA) | 0.6115% | 4,434 |
| Pretax return on assets | 0.9104% | 3,949 |
| Return on Equity (ROE) | 6.4855% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.4855% | 1,968 |
| Net charge-offs to loans | 0.0162% | 3,627 |
| Credit loss provision to net charge-offs | 878.1818% | 413 |
| Earnings coverage of net charge-offs (x) | 80.8199% | 739 |
| Efficiency ratio | 76.5670% | 2,149 |
| Assets per employee ($millions) | 4.2538% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 3,332 |
| Loan loss allowance to noncurrent loans | 191.1821% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 2,550 |
| Noncurrent loans to loans | 0.6573% | 3,356 |
| Net loans and leases to total assets | 77.8453% | 1,126 |
| Net loans and leases to deposits | 89.0381% | 1,763 |
| Net loans and leases to core deposits | 91.7675% | 2,287 |
| Total domestic deposits to total assets | 87.4292% | 1,830 |
| Equity capital to assets | 9.2980% | 5,010 |
| Core capital (leverage) ratio | 9.5487% | 4,239 |
| Tier 1 risk-based capital ratio | 11.0374% | 5,640 |
| Total risk-based capital ratio | 12.2155% | 5,580 |
| Memoranda: | ||
| Average total assets | $580,214,500 | 1,179 |
| Average earning assets | $541,378,750 | 1,170 |
| Average equity | $54,705,250 | 1,372 |
| Average total loans | $451,286,500 | 1,027 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 1,624 |
| Cost of funding earning assets | 0.4492% | 2,737 |
| Net interest margin | 4.0221% | 1,576 |
| Noninterest income to average assets | 0.6071% | 2,691 |
| Noninterest expense to average assets | 3.3571% | 1,560 |
| Loan and lease loss provision to assets | 0.1304% | 1,699 |
| Net operating income to assets | 0.5878% | 4,405 |
| Return on assets (ROA) | 0.5878% | 4,500 |
| Pretax return on assets | 0.8744% | 4,050 |
| Return on Equity (ROE) | 6.2044% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.2044% | 2,110 |
| Net charge-offs to loans | 0.0262% | 3,155 |
| Credit loss provision to net charge-offs | 643.1034% | 520 |
| Earnings coverage of net charge-offs (x) | 49.5690% | 964 |
| Efficiency ratio | 76.9650% | 2,207 |
| Assets per employee ($millions) | 4.3335% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,474 |
| Loan loss allowance to noncurrent loans | 187.4521% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 2,644 |
| Noncurrent loans to loans | 0.6705% | 3,469 |
| Net loans and leases to total assets | 78.2614% | 1,039 |
| Net loans and leases to deposits | 89.4053% | 1,671 |
| Net loans and leases to core deposits | 91.9996% | 2,162 |
| Total domestic deposits to total assets | 87.5355% | 1,886 |
| Equity capital to assets | 9.3537% | 4,837 |
| Core capital (leverage) ratio | 9.5664% | 4,183 |
| Tier 1 risk-based capital ratio | 11.2661% | 5,591 |
| Total risk-based capital ratio | 12.4678% | 5,539 |
| Memoranda: | ||
| Average total assets | $572,275,000 | 1,197 |
| Average earning assets | $534,245,000 | 1,190 |
| Average equity | $54,219,330 | 1,391 |
| Average total loans | $442,983,670 | 1,041 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 1,455 |
| Cost of funding earning assets | 0.4483% | 2,783 |
| Net interest margin | 4.0536% | 1,405 |
| Noninterest income to average assets | 0.5038% | 3,259 |
| Noninterest expense to average assets | 3.3839% | 1,516 |
| Loan and lease loss provision to assets | 0.0922% | 2,150 |
| Net operating income to assets | 0.5506% | 4,477 |
| Return on assets (ROA) | 0.5506% | 4,590 |
| Pretax return on assets | 0.8195% | 4,173 |
| Return on Equity (ROE) | 5.7732% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.7732% | 2,620 |
| Net charge-offs to loans | 0.0548% | 2,225 |
| Credit loss provision to net charge-offs | 220.3390% | 987 |
| Earnings coverage of net charge-offs (x) | 21.7797% | 1,370 |
| Efficiency ratio | 78.7744% | 2,075 |
| Assets per employee ($millions) | 4.3046% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 3,368 |
| Loan loss allowance to noncurrent loans | 179.3499% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 2,661 |
| Noncurrent loans to loans | 0.7285% | 3,438 |
| Net loans and leases to total assets | 73.1502% | 1,630 |
| Net loans and leases to deposits | 83.6378% | 2,126 |
| Net loans and leases to core deposits | 86.6023% | 2,483 |
| Total domestic deposits to total assets | 87.4606% | 2,135 |
| Equity capital to assets | 9.3234% | 4,931 |
| Core capital (leverage) ratio | 9.8099% | 3,875 |
| Tier 1 risk-based capital ratio | 12.2935% | 5,046 |
| Total risk-based capital ratio | 13.5438% | 4,962 |
| Memoranda: | ||
| Average total assets | $563,732,000 | 1,224 |
| Average earning assets | $527,338,500 | 1,212 |
| Average equity | $53,765,500 | 1,416 |
| Average total loans | $430,919,000 | 1,066 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 863 |
| Cost of funding earning assets | 0.4284% | 3,398 |
| Net interest margin | 4.5109% | 731 |
| Noninterest income to average assets | 0.6106% | 2,795 |
| Noninterest expense to average assets | 3.7294% | 1,101 |
| Loan and lease loss provision to assets | 0.3467% | 557 |
| Net operating income to assets | 0.4998% | 4,809 |
| Return on assets (ROA) | 0.4998% | 4,899 |
| Pretax return on assets | 0.7404% | 4,476 |
| Return on Equity (ROE) | 5.2851% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.2851% | 2,413 |
| Net charge-offs to loans | 0.1012% | 3,060 |
| Credit loss provision to net charge-offs | 421.4464% | 618 |
| Earnings coverage of net charge-offs (x) | 13.2145% | 2,294 |
| Efficiency ratio | 77.4290% | 2,289 |
| Assets per employee ($millions) | 4.0772% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 3,489 |
| Loan loss allowance to noncurrent loans | 364.6325% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 3,114 |
| Noncurrent loans to loans | 0.3535% | 4,597 |
| Net loans and leases to total assets | 77.8928% | 1,012 |
| Net loans and leases to deposits | 89.6331% | 1,552 |
| Net loans and leases to core deposits | 93.0507% | 1,987 |
| Total domestic deposits to total assets | 86.9018% | 2,332 |
| Equity capital to assets | 9.7651% | 4,397 |
| Core capital (leverage) ratio | 10.0094% | 3,559 |
| Tier 1 risk-based capital ratio | 12.3366% | 5,132 |
| Total risk-based capital ratio | 13.5873% | 5,047 |
| Memoranda: | ||
| Average total assets | $487,425,400 | 1,362 |
| Average earning assets | $454,472,600 | 1,350 |
| Average equity | $46,092,000 | 1,558 |
| Average total loans | $396,402,000 | 1,112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 845 |
| Cost of funding earning assets | 0.4174% | 3,609 |
| Net interest margin | 4.5299% | 698 |
| Noninterest income to average assets | 0.6214% | 2,738 |
| Noninterest expense to average assets | 3.7080% | 1,104 |
| Loan and lease loss provision to assets | 0.4115% | 408 |
| Net operating income to assets | 0.4829% | 4,934 |
| Return on assets (ROA) | 0.4829% | 5,010 |
| Pretax return on assets | 0.7266% | 4,602 |
| Return on Equity (ROE) | 5.1553% | 4,645 |
| Retained earnings to average equity (ytd only) | 5.1553% | 2,984 |
| Net charge-offs to loans | 0.1468% | 2,321 |
| Credit loss provision to net charge-offs | 341.6862% | 820 |
| Earnings coverage of net charge-offs (x) | 9.4496% | 2,671 |
| Efficiency ratio | 76.5148% | 2,411 |
| Assets per employee ($millions) | 3.8500% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 3,823 |
| Loan loss allowance to noncurrent loans | 301.9943% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 3,236 |
| Noncurrent loans to loans | 0.4201% | 4,647 |
| Net loans and leases to total assets | 79.3571% | 790 |
| Net loans and leases to deposits | 91.6095% | 1,271 |
| Net loans and leases to core deposits | 94.2051% | 1,841 |
| Total domestic deposits to total assets | 86.6254% | 2,511 |
| Equity capital to assets | 9.8470% | 4,363 |
| Core capital (leverage) ratio | 10.3266% | 3,254 |
| Tier 1 risk-based capital ratio | 12.3426% | 5,270 |
| Total risk-based capital ratio | 13.5931% | 5,202 |
| Memoranda: | ||
| Average total assets | $472,696,000 | 1,425 |
| Average earning assets | $440,851,750 | 1,402 |
| Average equity | $44,277,250 | 1,635 |
| Average total loans | $387,722,750 | 1,142 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 798 |
| Cost of funding earning assets | 0.4046% | 3,824 |
| Net interest margin | 4.5634% | 619 |
| Noninterest income to average assets | 0.6219% | 2,700 |
| Noninterest expense to average assets | 3.6721% | 1,184 |
| Loan and lease loss provision to assets | 0.4403% | 371 |
| Net operating income to assets | 0.5098% | 4,769 |
| Return on assets (ROA) | 0.5098% | 4,864 |
| Pretax return on assets | 0.7645% | 4,401 |
| Return on Equity (ROE) | 5.5507% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.5507% | 2,610 |
| Net charge-offs to loans | 0.1287% | 2,379 |
| Credit loss provision to net charge-offs | 413.9918% | 678 |
| Earnings coverage of net charge-offs (x) | 11.3292% | 2,167 |
| Efficiency ratio | 75.2961% | 2,762 |
| Assets per employee ($millions) | 3.9418% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,146 |
| Loan loss allowance to noncurrent loans | 279.5000% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 3,157 |
| Noncurrent loans to loans | 0.4478% | 4,641 |
| Net loans and leases to total assets | 81.2077% | 552 |
| Net loans and leases to deposits | 92.7198% | 1,074 |
| Net loans and leases to core deposits | 95.1873% | 1,670 |
| Total domestic deposits to total assets | 87.5840% | 2,151 |
| Equity capital to assets | 8.7178% | 5,601 |
| Core capital (leverage) ratio | 9.2402% | 4,682 |
| Tier 1 risk-based capital ratio | 10.5609% | 6,227 |
| Total risk-based capital ratio | 11.8110% | 6,171 |
| Memoranda: | ||
| Average total assets | $457,010,330 | 1,467 |
| Average earning assets | $426,126,670 | 1,449 |
| Average equity | $41,976,330 | 1,707 |
| Average total loans | $377,710,000 | 1,168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 680 |
| Cost of funding earning assets | 0.3849% | 4,144 |
| Net interest margin | 4.6443% | 518 |
| Noninterest income to average assets | 0.6891% | 2,229 |
| Noninterest expense to average assets | 3.7840% | 1,012 |
| Loan and lease loss provision to assets | 0.5014% | 297 |
| Net operating income to assets | 0.4933% | 4,721 |
| Return on assets (ROA) | 0.4933% | 4,799 |
| Pretax return on assets | 0.7363% | 4,367 |
| Return on Equity (ROE) | 5.2234% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.2234% | 2,982 |
| Net charge-offs to loans | 0.2374% | 1,367 |
| Credit loss provision to net charge-offs | 254.8387% | 897 |
| Earnings coverage of net charge-offs (x) | 6.2903% | 2,240 |
| Efficiency ratio | 75.3521% | 2,894 |
| Assets per employee ($millions) | 3.8449% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 4,441 |
| Loan loss allowance to noncurrent loans | 186.6991% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9630% | 3,326 |
| Noncurrent loans to loans | 0.6632% | 4,208 |
| Net loans and leases to total assets | 80.9450% | 464 |
| Net loans and leases to deposits | 92.9836% | 875 |
| Net loans and leases to core deposits | 95.0984% | 1,460 |
| Total domestic deposits to total assets | 87.0530% | 2,773 |
| Equity capital to assets | 9.2448% | 4,822 |
| Core capital (leverage) ratio | 9.4940% | 4,285 |
| Tier 1 risk-based capital ratio | 11.2310% | 6,052 |
| Total risk-based capital ratio | 12.4813% | 6,002 |
| Memoranda: | ||
| Average total assets | $441,125,000 | 1,523 |
| Average earning assets | $411,518,000 | 1,501 |
| Average equity | $41,659,000 | 1,715 |
| Average total loans | $365,585,500 | 1,210 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 893 |
| Cost of funding earning assets | 0.4194% | 4,436 |
| Net interest margin | 4.5956% | 615 |
| Noninterest income to average assets | 0.5025% | 3,742 |
| Noninterest expense to average assets | 3.5666% | 1,513 |
| Loan and lease loss provision to assets | 0.3721% | 832 |
| Net operating income to assets | 0.5239% | 4,625 |
| Return on assets (ROA) | 0.5239% | 4,749 |
| Pretax return on assets | 0.8374% | 4,007 |
| Return on Equity (ROE) | 5.3576% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.3576% | 2,379 |
| Net charge-offs to loans | 0.3279% | 2,034 |
| Credit loss provision to net charge-offs | 139.5327% | 1,672 |
| Earnings coverage of net charge-offs (x) | 4.5355% | 3,538 |
| Efficiency ratio | 74.6752% | 3,015 |
| Assets per employee ($millions) | 3.8959% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,721 |
| Loan loss allowance to noncurrent loans | 163.9647% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0515% | 3,314 |
| Noncurrent loans to loans | 0.7244% | 4,154 |
| Net loans and leases to total assets | 82.8495% | 334 |
| Net loans and leases to deposits | 95.8400% | 745 |
| Net loans and leases to core deposits | 97.8352% | 1,314 |
| Total domestic deposits to total assets | 86.4456% | 3,026 |
| Equity capital to assets | 9.6545% | 4,215 |
| Core capital (leverage) ratio | 9.5834% | 4,136 |
| Tier 1 risk-based capital ratio | 11.5582% | 5,875 |
| Total risk-based capital ratio | 12.7791% | 5,829 |
| Memoranda: | ||
| Average total assets | $401,219,800 | 1,641 |
| Average earning assets | $373,115,600 | 1,621 |
| Average equity | $39,234,200 | 1,783 |
| Average total loans | $326,287,200 | 1,308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 926 |
| Cost of funding earning assets | 0.4273% | 4,525 |
| Net interest margin | 4.5818% | 638 |
| Noninterest income to average assets | 0.4753% | 3,970 |
| Noninterest expense to average assets | 3.5470% | 1,500 |
| Loan and lease loss provision to assets | 0.3999% | 757 |
| Net operating income to assets | 0.5199% | 4,719 |
| Return on assets (ROA) | 0.5199% | 4,870 |
| Pretax return on assets | 0.7803% | 4,373 |
| Return on Equity (ROE) | 5.2989% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.2989% | 2,876 |
| Net charge-offs to loans | 0.4272% | 1,498 |
| Credit loss provision to net charge-offs | 116.0942% | 2,028 |
| Earnings coverage of net charge-offs (x) | 3.4259% | 3,706 |
| Efficiency ratio | 75.0340% | 2,897 |
| Assets per employee ($millions) | 3.9125% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 4,966 |
| Loan loss allowance to noncurrent loans | 704.5694% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 4,624 |
| Noncurrent loans to loans | 0.1675% | 5,818 |
| Net loans and leases to total assets | 79.4351% | 609 |
| Net loans and leases to deposits | 89.7282% | 1,199 |
| Net loans and leases to core deposits | 91.4795% | 1,817 |
| Total domestic deposits to total assets | 88.5286% | 1,827 |
| Equity capital to assets | 9.6335% | 4,378 |
| Core capital (leverage) ratio | 9.7125% | 4,086 |
| Tier 1 risk-based capital ratio | 12.1317% | 5,697 |
| Total risk-based capital ratio | 13.3428% | 5,658 |
| Memoranda: | ||
| Average total assets | $394,388,000 | 1,678 |
| Average earning assets | $365,993,000 | 1,658 |
| Average equity | $38,699,250 | 1,814 |
| Average total loans | $318,029,750 | 1,339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 895 |
| Cost of funding earning assets | 0.4333% | 4,624 |
| Net interest margin | 4.5765% | 622 |
| Noninterest income to average assets | 0.4535% | 4,140 |
| Noninterest expense to average assets | 3.5496% | 1,505 |
| Loan and lease loss provision to assets | 0.4556% | 635 |
| Net operating income to assets | 0.4613% | 4,967 |
| Return on assets (ROA) | 0.4613% | 5,136 |
| Pretax return on assets | 0.6899% | 4,714 |
| Return on Equity (ROE) | 4.6700% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.6700% | 3,285 |
| Net charge-offs to loans | 0.3751% | 1,707 |
| Credit loss provision to net charge-offs | 150.4288% | 1,534 |
| Earnings coverage of net charge-offs (x) | 3.7822% | 3,302 |
| Efficiency ratio | 75.6030% | 2,841 |
| Assets per employee ($millions) | 3.8200% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,659 |
| Loan loss allowance to noncurrent loans | 525.9212% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 4,474 |
| Noncurrent loans to loans | 0.2409% | 5,699 |
| Net loans and leases to total assets | 81.1748% | 417 |
| Net loans and leases to deposits | 92.3139% | 933 |
| Net loans and leases to core deposits | 94.1058% | 1,512 |
| Total domestic deposits to total assets | 87.9335% | 2,293 |
| Equity capital to assets | 10.0976% | 3,793 |
| Core capital (leverage) ratio | 10.0540% | 3,443 |
| Tier 1 risk-based capital ratio | 12.2276% | 5,661 |
| Total risk-based capital ratio | 13.4783% | 5,604 |
| Memoranda: | ||
| Average total assets | $385,002,000 | 1,718 |
| Average earning assets | $356,825,670 | 1,702 |
| Average equity | $38,030,330 | 1,843 |
| Average total loans | $310,820,000 | 1,366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 1,021 |
| Cost of funding earning assets | 0.4403% | 4,701 |
| Net interest margin | 4.4829% | 697 |
| Noninterest income to average assets | 0.3896% | 4,539 |
| Noninterest expense to average assets | 3.4472% | 1,729 |
| Loan and lease loss provision to assets | 0.3452% | 954 |
| Net operating income to assets | 0.4994% | 4,669 |
| Return on assets (ROA) | 0.4994% | 4,821 |
| Pretax return on assets | 0.7464% | 4,388 |
| Return on Equity (ROE) | 5.1152% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.1152% | 3,162 |
| Net charge-offs to loans | 0.4477% | 1,336 |
| Credit loss provision to net charge-offs | 96.4602% | 1,921 |
| Earnings coverage of net charge-offs (x) | 3.0501% | 2,857 |
| Efficiency ratio | 75.9479% | 2,937 |
| Assets per employee ($millions) | 4.0738% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,036 |
| Loan loss allowance to noncurrent loans | 416.1781% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 4,567 |
| Noncurrent loans to loans | 0.2963% | 5,662 |
| Net loans and leases to total assets | 79.3367% | 489 |
| Net loans and leases to deposits | 90.4253% | 929 |
| Net loans and leases to core deposits | 92.3570% | 1,471 |
| Total domestic deposits to total assets | 87.7373% | 2,499 |
| Equity capital to assets | 10.2656% | 3,837 |
| Core capital (leverage) ratio | 10.1261% | 3,247 |
| Tier 1 risk-based capital ratio | 12.4194% | 5,627 |
| Total risk-based capital ratio | 13.6696% | 5,574 |
| Memoranda: | ||
| Average total assets | $378,862,500 | 1,753 |
| Average earning assets | $350,669,000 | 1,735 |
| Average equity | $36,987,500 | 1,915 |
| Average total loans | $302,914,500 | 1,397 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 1,258 |
| Cost of funding earning assets | 0.5655% | 4,687 |
| Net interest margin | 4.5578% | 843 |
| Noninterest income to average assets | 0.2644% | 5,571 |
| Noninterest expense to average assets | 3.4864% | 1,846 |
| Loan and lease loss provision to assets | 0.4717% | 1,313 |
| Net operating income to assets | 0.4232% | 4,993 |
| Return on assets (ROA) | 0.4260% | 5,235 |
| Pretax return on assets | 0.5041% | 5,265 |
| Return on Equity (ROE) | 4.5259% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.5259% | 3,039 |
| Net charge-offs to loans | 0.4109% | 2,611 |
| Credit loss provision to net charge-offs | 146.2247% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.0147% | 3,921 |
| Efficiency ratio | 78.1893% | 2,416 |
| Assets per employee ($millions) | 4.0738% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,619 |
| Loan loss allowance to noncurrent loans | 171.5752% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 3,759 |
| Noncurrent loans to loans | 0.7598% | 4,666 |
| Net loans and leases to total assets | 78.5266% | 617 |
| Net loans and leases to deposits | 88.5878% | 1,208 |
| Net loans and leases to core deposits | 90.7515% | 1,745 |
| Total domestic deposits to total assets | 88.6428% | 1,812 |
| Equity capital to assets | 9.2378% | 5,227 |
| Core capital (leverage) ratio | 8.7852% | 5,202 |
| Tier 1 risk-based capital ratio | 11.1251% | 6,304 |
| Total risk-based capital ratio | 12.3762% | 6,268 |
| Memoranda: | ||
| Average total assets | $336,649,600 | 1,920 |
| Average earning assets | $309,823,600 | 1,909 |
| Average equity | $31,684,600 | 2,159 |
| Average total loans | $264,283,800 | 1,567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 1,356 |
| Cost of funding earning assets | 0.5935% | 4,715 |
| Net interest margin | 4.5368% | 925 |
| Noninterest income to average assets | 0.2913% | 5,444 |
| Noninterest expense to average assets | 3.4851% | 1,794 |
| Loan and lease loss provision to assets | 0.3958% | 1,621 |
| Net operating income to assets | 0.3943% | 5,271 |
| Return on assets (ROA) | 0.3974% | 5,481 |
| Pretax return on assets | 0.5863% | 5,212 |
| Return on Equity (ROE) | 4.2004% | 5,198 |
| Retained earnings to average equity (ytd only) | 4.2004% | 3,936 |
| Net charge-offs to loans | 0.3325% | 2,798 |
| Credit loss provision to net charge-offs | 152.1875% | 1,846 |
| Earnings coverage of net charge-offs (x) | 3.7594% | 3,523 |
| Efficiency ratio | 78.0934% | 2,389 |
| Assets per employee ($millions) | 4.1974% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 4,865 |
| Loan loss allowance to noncurrent loans | 306.1615% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 3,865 |
| Noncurrent loans to loans | 0.4207% | 5,609 |
| Net loans and leases to total assets | 77.1605% | 835 |
| Net loans and leases to deposits | 87.0828% | 1,470 |
| Net loans and leases to core deposits | 89.2594% | 2,076 |
| Total domestic deposits to total assets | 88.6059% | 1,654 |
| Equity capital to assets | 9.2497% | 5,535 |
| Core capital (leverage) ratio | 9.1413% | 4,844 |
| Tier 1 risk-based capital ratio | 11.5796% | 6,180 |
| Total risk-based capital ratio | 12.8306% | 6,158 |
| Memoranda: | ||
| Average total assets | $328,133,250 | 1,979 |
| Average earning assets | $301,702,500 | 1,974 |
| Average equity | $31,044,250 | 2,215 |
| Average total loans | $256,616,000 | 1,625 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 1,430 |
| Cost of funding earning assets | 0.6382% | 4,547 |
| Net interest margin | 4.4888% | 1,012 |
| Noninterest income to average assets | 0.2996% | 5,412 |
| Noninterest expense to average assets | 3.4232% | 1,972 |
| Loan and lease loss provision to assets | 0.5117% | 1,227 |
| Net operating income to assets | 0.3296% | 5,503 |
| Return on assets (ROA) | 0.3344% | 5,705 |
| Pretax return on assets | 0.4877% | 5,477 |
| Return on Equity (ROE) | 3.5044% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.5044% | 4,262 |
| Net charge-offs to loans | 0.4680% | 2,193 |
| Credit loss provision to net charge-offs | 139.7924% | 1,971 |
| Earnings coverage of net charge-offs (x) | 2.7111% | 3,655 |
| Efficiency ratio | 77.5244% | 2,519 |
| Assets per employee ($millions) | 3.8971% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,875 |
| Loan loss allowance to noncurrent loans | 163.0018% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 3,617 |
| Noncurrent loans to loans | 0.7988% | 4,912 |
| Net loans and leases to total assets | 79.8857% | 525 |
| Net loans and leases to deposits | 90.8689% | 1,060 |
| Net loans and leases to core deposits | 93.8838% | 1,614 |
| Total domestic deposits to total assets | 87.9132% | 2,197 |
| Equity capital to assets | 9.8213% | 4,591 |
| Core capital (leverage) ratio | 9.6684% | 3,893 |
| Tier 1 risk-based capital ratio | 11.8143% | 6,047 |
| Total risk-based capital ratio | 13.0657% | 6,021 |
| Memoranda: | ||
| Average total assets | $315,787,670 | 2,055 |
| Average earning assets | $289,566,670 | 2,057 |
| Average equity | $30,133,330 | 2,247 |
| Average total loans | $247,006,670 | 1,678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 1,902 |
| Cost of funding earning assets | 0.6772% | 4,490 |
| Net interest margin | 4.3179% | 1,413 |
| Noninterest income to average assets | 0.3695% | 4,912 |
| Noninterest expense to average assets | 3.2838% | 2,340 |
| Loan and lease loss provision to assets | 0.7115% | 727 |
| Net operating income to assets | 0.2236% | 5,912 |
| Return on assets (ROA) | 0.2236% | 6,056 |
| Pretax return on assets | 0.3156% | 5,943 |
| Return on Equity (ROE) | 2.3817% | 5,952 |
| Retained earnings to average equity (ytd only) | 2.3817% | 5,073 |
| Net charge-offs to loans | 1.3202% | 770 |
| Credit loss provision to net charge-offs | 70.2597% | 2,906 |
| Earnings coverage of net charge-offs (x) | 1.0143% | 3,819 |
| Efficiency ratio | 76.1745% | 2,762 |
| Assets per employee ($millions) | 3.9903% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 5,202 |
| Loan loss allowance to noncurrent loans | 90.7607% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 2.3535% | 2,530 |
| Noncurrent loans to loans | 1.3887% | 4,028 |
| Net loans and leases to total assets | 78.3797% | 550 |
| Net loans and leases to deposits | 89.8563% | 979 |
| Net loans and leases to core deposits | 92.9347% | 1,557 |
| Total domestic deposits to total assets | 87.2279% | 2,812 |
| Equity capital to assets | 10.3145% | 3,716 |
| Core capital (leverage) ratio | 9.8955% | 3,502 |
| Tier 1 risk-based capital ratio | 11.9564% | 5,986 |
| Total risk-based capital ratio | 13.2066% | 5,984 |
| Memoranda: | ||
| Average total assets | $304,157,500 | 2,138 |
| Average earning assets | $277,633,000 | 2,143 |
| Average equity | $28,550,500 | 2,358 |
| Average total loans | $233,298,000 | 1,767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 2,844 |
| Cost of funding earning assets | 0.9134% | 4,024 |
| Net interest margin | 4.0956% | 2,441 |
| Noninterest income to average assets | 0.4293% | 4,378 |
| Noninterest expense to average assets | 3.7237% | 1,492 |
| Loan and lease loss provision to assets | 0.4084% | 2,551 |
| Net operating income to assets | -0.0011% | 6,041 |
| Return on assets (ROA) | 0.0189% | 6,124 |
| Pretax return on assets | 0.0189% | 6,094 |
| Return on Equity (ROE) | 0.2126% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.2126% | 5,737 |
| Net charge-offs to loans | 1.0284% | 1,692 |
| Credit loss provision to net charge-offs | 53.9191% | 5,321 |
| Earnings coverage of net charge-offs (x) | 0.5377% | 5,422 |
| Efficiency ratio | 90.1401% | 1,182 |
| Assets per employee ($millions) | 3.9089% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,920 |
| Loan loss allowance to noncurrent loans | 123.9985% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 2.9461% | 2,038 |
| Noncurrent loans to loans | 1.2281% | 4,316 |
| Net loans and leases to total assets | 72.7729% | 1,500 |
| Net loans and leases to deposits | 81.8167% | 2,223 |
| Net loans and leases to core deposits | 84.6231% | 2,796 |
| Total domestic deposits to total assets | 88.9462% | 1,571 |
| Equity capital to assets | 8.4147% | 6,239 |
| Core capital (leverage) ratio | 7.6733% | 6,553 |
| Tier 1 risk-based capital ratio | 9.6345% | 6,928 |
| Total risk-based capital ratio | 10.8877% | 6,928 |
| Memoranda: | ||
| Average total assets | $264,414,400 | 2,387 |
| Average earning assets | $238,990,400 | 2,414 |
| Average equity | $23,523,000 | 2,726 |
| Average total loans | $194,759,400 | 2,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 3,299 |
| Cost of funding earning assets | 0.9732% | 3,863 |
| Net interest margin | 3.9838% | 2,987 |
| Noninterest income to average assets | 0.4407% | 4,360 |
| Noninterest expense to average assets | 3.7348% | 1,425 |
| Loan and lease loss provision to assets | 0.5250% | 1,884 |
| Net operating income to assets | -0.2217% | 6,406 |
| Return on assets (ROA) | -0.1941% | 6,464 |
| Pretax return on assets | -0.1941% | 6,408 |
| Return on Equity (ROE) | -2.1479% | 6,493 |
| Retained earnings to average equity (ytd only) | -2.1479% | 6,315 |
| Net charge-offs to loans | 1.2657% | 1,227 |
| Credit loss provision to net charge-offs | 56.3687% | 4,887 |
| Earnings coverage of net charge-offs (x) | 0.3257% | 5,366 |
| Efficiency ratio | 92.4881% | 998 |
| Assets per employee ($millions) | 3.7287% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 3,489 |
| Loan loss allowance to noncurrent loans | 97.3743% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 3.4766% | 1,816 |
| Noncurrent loans to loans | 1.6835% | 3,779 |
| Net loans and leases to total assets | 73.8107% | 1,353 |
| Net loans and leases to deposits | 83.3628% | 2,116 |
| Net loans and leases to core deposits | 86.9246% | 2,651 |
| Total domestic deposits to total assets | 88.5415% | 1,729 |
| Equity capital to assets | 8.6742% | 6,110 |
| Core capital (leverage) ratio | 8.2365% | 6,080 |
| Tier 1 risk-based capital ratio | 9.5640% | 7,046 |
| Total risk-based capital ratio | 10.8182% | 7,043 |
| Memoranda: | ||
| Average total assets | $256,249,250 | 2,467 |
| Average earning assets | $231,400,000 | 2,493 |
| Average equity | $23,154,250 | 2,763 |
| Average total loans | $188,566,000 | 2,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 3,518 |
| Cost of funding earning assets | 1.0664% | 3,499 |
| Net interest margin | 3.8569% | 3,500 |
| Noninterest income to average assets | 0.5032% | 3,837 |
| Noninterest expense to average assets | 3.9004% | 1,191 |
| Loan and lease loss provision to assets | 0.6424% | 1,492 |
| Net operating income to assets | -0.5574% | 6,736 |
| Return on assets (ROA) | -0.5493% | 6,750 |
| Pretax return on assets | -0.5493% | 6,689 |
| Return on Equity (ROE) | -5.9880% | 6,774 |
| Retained earnings to average equity (ytd only) | -5.9880% | 6,651 |
| Net charge-offs to loans | 1.4601% | 1,028 |
| Credit loss provision to net charge-offs | 60.2428% | 4,331 |
| Earnings coverage of net charge-offs (x) | 0.0797% | 5,229 |
| Efficiency ratio | 97.8685% | 794 |
| Assets per employee ($millions) | 3.6025% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0072% | 2,354 |
| Loan loss allowance to noncurrent loans | 188.7544% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 3.2259% | 2,079 |
| Noncurrent loans to loans | 1.0634% | 4,885 |
| Net loans and leases to total assets | 72.4642% | 1,695 |
| Net loans and leases to deposits | 82.3152% | 2,404 |
| Net loans and leases to core deposits | 86.2985% | 2,864 |
| Total domestic deposits to total assets | 88.0326% | 2,114 |
| Equity capital to assets | 9.6301% | 4,624 |
| Core capital (leverage) ratio | 8.2261% | 5,988 |
| Tier 1 risk-based capital ratio | 10.3796% | 6,833 |
| Total risk-based capital ratio | 11.6176% | 6,833 |
| Memoranda: | ||
| Average total assets | $247,206,000 | 2,578 |
| Average earning assets | $223,181,670 | 2,607 |
| Average equity | $22,678,670 | 2,794 |
| Average total loans | $180,538,000 | 2,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 4,101 |
| Cost of funding earning assets | 1.1395% | 3,233 |
| Net interest margin | 3.6505% | 4,325 |
| Noninterest income to average assets | 0.4658% | 4,145 |
| Noninterest expense to average assets | 3.6335% | 1,694 |
| Loan and lease loss provision to assets | 0.4904% | 1,791 |
| Net operating income to assets | -0.3645% | 6,720 |
| Return on assets (ROA) | -0.3482% | 6,708 |
| Pretax return on assets | -0.3482% | 6,649 |
| Return on Equity (ROE) | -3.8948% | 6,731 |
| Retained earnings to average equity (ytd only) | -3.8948% | 6,401 |
| Net charge-offs to loans | 1.6422% | 815 |
| Credit loss provision to net charge-offs | 41.1523% | 3,920 |
| Earnings coverage of net charge-offs (x) | 0.1056% | 4,520 |
| Efficiency ratio | 96.6522% | 889 |
| Assets per employee ($millions) | 3.8898% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 2,119 |
| Loan loss allowance to noncurrent loans | 127.3391% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 3.7855% | 1,782 |
| Noncurrent loans to loans | 1.6723% | 3,975 |
| Net loans and leases to total assets | 70.8555% | 1,960 |
| Net loans and leases to deposits | 82.5803% | 2,259 |
| Net loans and leases to core deposits | 86.9934% | 2,735 |
| Total domestic deposits to total assets | 85.8019% | 3,634 |
| Equity capital to assets | 9.8703% | 3,937 |
| Core capital (leverage) ratio | 8.5625% | 5,330 |
| Tier 1 risk-based capital ratio | 10.8648% | 6,601 |
| Total risk-based capital ratio | 12.1248% | 6,567 |
| Memoranda: | ||
| Average total assets | $244,720,500 | 2,618 |
| Average earning assets | $220,790,500 | 2,651 |
| Average equity | $21,875,500 | 2,885 |
| Average total loans | $177,566,500 | 2,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 4,652 |
| Cost of funding earning assets | 1.5292% | 2,486 |
| Net interest margin | 3.4502% | 5,432 |
| Noninterest income to average assets | 0.2411% | 6,077 |
| Noninterest expense to average assets | 4.0857% | 1,043 |
| Loan and lease loss provision to assets | 1.6087% | 895 |
| Net operating income to assets | -1.5675% | 6,926 |
| Return on assets (ROA) | -1.5675% | 6,952 |
| Pretax return on assets | -2.3410% | 7,124 |
| Return on Equity (ROE) | -20.1826% | 7,041 |
| Retained earnings to average equity (ytd only) | -20.1826% | 7,015 |
| Net charge-offs to loans | 3.4633% | 418 |
| Credit loss provision to net charge-offs | 65.4025% | 5,974 |
| Earnings coverage of net charge-offs (x) | -0.2978% | 6,357 |
| Efficiency ratio | 121.8411% | 393 |
| Assets per employee ($millions) | 3.9425% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4397% | 1,497 |
| Loan loss allowance to noncurrent loans | 69.2358% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 5.1939% | 1,208 |
| Noncurrent loans to loans | 3.5237% | 2,142 |
| Net loans and leases to total assets | 70.9520% | 2,317 |
| Net loans and leases to deposits | 81.0459% | 2,979 |
| Net loans and leases to core deposits | 86.3860% | 3,267 |
| Total domestic deposits to total assets | 87.5455% | 2,521 |
| Equity capital to assets | 7.9749% | 6,519 |
| Core capital (leverage) ratio | 7.1257% | 6,953 |
| Tier 1 risk-based capital ratio | 9.1126% | 7,221 |
| Total risk-based capital ratio | 10.3759% | 7,223 |
| Memoranda: | ||
| Average total assets | $253,007,000 | 2,519 |
| Average earning assets | $228,217,400 | 2,544 |
| Average equity | $19,650,600 | 3,196 |
| Average total loans | $179,685,200 | 2,358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 3,988 |
| Cost of funding earning assets | 1.6130% | 2,318 |
| Net interest margin | 3.5569% | 5,076 |
| Noninterest income to average assets | 0.1572% | 6,741 |
| Noninterest expense to average assets | 4.0457% | 993 |
| Loan and lease loss provision to assets | 2.0145% | 590 |
| Net operating income to assets | -1.7464% | 7,175 |
| Return on assets (ROA) | -1.7464% | 7,186 |
| Pretax return on assets | -2.6959% | 7,360 |
| Return on Equity (ROE) | -22.6280% | 7,271 |
| Retained earnings to average equity (ytd only) | -22.6280% | 7,256 |
| Net charge-offs to loans | 3.9988% | 306 |
| Credit loss provision to net charge-offs | 71.3364% | 5,378 |
| Earnings coverage of net charge-offs (x) | -0.2413% | 6,206 |
| Efficiency ratio | 120.2538% | 393 |
| Assets per employee ($millions) | 4.0243% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9144% | 890 |
| Loan loss allowance to noncurrent loans | 58.6427% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 5.2307% | 1,203 |
| Noncurrent loans to loans | 4.9697% | 1,400 |
| Net loans and leases to total assets | 67.1193% | 3,430 |
| Net loans and leases to deposits | 76.7640% | 4,041 |
| Net loans and leases to core deposits | 84.0529% | 3,923 |
| Total domestic deposits to total assets | 87.4359% | 2,297 |
| Equity capital to assets | 8.1476% | 6,670 |
| Core capital (leverage) ratio | 7.9833% | 6,369 |
| Tier 1 risk-based capital ratio | 10.2675% | 6,920 |
| Total risk-based capital ratio | 11.5356% | 6,896 |
| Memoranda: | ||
| Average total assets | $256,135,750 | 2,527 |
| Average earning assets | $230,946,000 | 2,554 |
| Average equity | $19,768,500 | 3,220 |
| Average total loans | $180,881,250 | 2,386 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 4,601 |
| Cost of funding earning assets | 1.7292% | 1,974 |
| Net interest margin | 3.3428% | 5,862 |
| Noninterest income to average assets | 0.0498% | 7,334 |
| Noninterest expense to average assets | 3.6969% | 1,561 |
| Loan and lease loss provision to assets | 2.3752% | 486 |
| Net operating income to assets | -1.9507% | 7,290 |
| Return on assets (ROA) | -1.9507% | 7,298 |
| Pretax return on assets | -3.0081% | 7,467 |
| Return on Equity (ROE) | -25.7167% | 7,381 |
| Retained earnings to average equity (ytd only) | -25.7167% | 7,365 |
| Net charge-offs to loans | 4.6687% | 235 |
| Credit loss provision to net charge-offs | 71.5770% | 4,923 |
| Earnings coverage of net charge-offs (x) | -0.1907% | 5,867 |
| Efficiency ratio | 120.6552% | 411 |
| Assets per employee ($millions) | 4.1011% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9642% | 850 |
| Loan loss allowance to noncurrent loans | 69.8103% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 5.8597% | 1,019 |
| Noncurrent loans to loans | 4.2461% | 1,755 |
| Net loans and leases to total assets | 71.4137% | 2,562 |
| Net loans and leases to deposits | 83.3056% | 3,009 |
| Net loans and leases to core deposits | 91.7050% | 3,028 |
| Total domestic deposits to total assets | 85.7249% | 3,249 |
| Equity capital to assets | 7.7431% | 6,968 |
| Core capital (leverage) ratio | 6.9387% | 7,226 |
| Tier 1 risk-based capital ratio | 9.0632% | 7,399 |
| Total risk-based capital ratio | 10.3317% | 7,402 |
| Memoranda: | ||
| Average total assets | $261,028,330 | 2,497 |
| Average earning assets | $235,375,000 | 2,538 |
| Average equity | $19,800,330 | 3,202 |
| Average total loans | $185,531,670 | 2,357 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 5,812 |
| Cost of funding earning assets | 1.7748% | 1,997 |
| Net interest margin | 3.0458% | 6,724 |
| Noninterest income to average assets | 0.6265% | 3,107 |
| Noninterest expense to average assets | 3.3674% | 2,316 |
| Loan and lease loss provision to assets | 0.8804% | 1,447 |
| Net operating income to assets | -0.5224% | 6,843 |
| Return on assets (ROA) | -0.5224% | 6,870 |
| Pretax return on assets | -0.8540% | 6,980 |
| Return on Equity (ROE) | -6.9492% | 6,986 |
| Retained earnings to average equity (ytd only) | -6.9492% | 6,731 |
| Net charge-offs to loans | 4.4368% | 290 |
| Credit loss provision to net charge-offs | 28.3554% | 4,838 |
| Earnings coverage of net charge-offs (x) | 0.0085% | 5,018 |
| Efficiency ratio | 99.2218% | 868 |
| Assets per employee ($millions) | 4.5142% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6602% | 1,116 |
| Loan loss allowance to noncurrent loans | 45.9563% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 6.8237% | 804 |
| Noncurrent loans to loans | 5.7885% | 1,170 |
| Net loans and leases to total assets | 67.3744% | 3,535 |
| Net loans and leases to deposits | 78.2234% | 3,999 |
| Net loans and leases to core deposits | 86.0898% | 3,879 |
| Total domestic deposits to total assets | 86.1307% | 3,081 |
| Equity capital to assets | 7.6193% | 6,983 |
| Core capital (leverage) ratio | 7.1606% | 7,139 |
| Tier 1 risk-based capital ratio | 9.3666% | 7,365 |
| Total risk-based capital ratio | 10.6316% | 7,361 |
| Memoranda: | ||
| Average total assets | $272,611,500 | 2,449 |
| Average earning assets | $247,686,000 | 2,472 |
| Average equity | $20,491,500 | 3,134 |
| Average total loans | $190,770,000 | 2,360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 2,866 |
| Cost of funding earning assets | 2.1341% | 2,313 |
| Net interest margin | 3.6151% | 4,496 |
| Noninterest income to average assets | 0.5027% | 4,384 |
| Noninterest expense to average assets | 3.7757% | 1,740 |
| Loan and lease loss provision to assets | 3.2071% | 509 |
| Net operating income to assets | -2.0355% | 7,107 |
| Return on assets (ROA) | -2.0355% | 7,105 |
| Pretax return on assets | -3.1565% | 7,338 |
| Return on Equity (ROE) | -24.5570% | 7,278 |
| Retained earnings to average equity (ytd only) | -24.5570% | 7,251 |
| Net charge-offs to loans | 2.6239% | 862 |
| Credit loss provision to net charge-offs | 151.5113% | 3,043 |
| Earnings coverage of net charge-offs (x) | 0.0239% | 6,166 |
| Efficiency ratio | 98.6783% | 1,170 |
| Assets per employee ($millions) | 4.4268% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2557% | 630 |
| Loan loss allowance to noncurrent loans | 49.4379% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 6.4220% | 858 |
| Noncurrent loans to loans | 6.5854% | 901 |
| Net loans and leases to total assets | 68.4054% | 3,609 |
| Net loans and leases to deposits | 80.3289% | 3,927 |
| Net loans and leases to core deposits | 99.7068% | 4,034 |
| Total domestic deposits to total assets | 85.1567% | 3,482 |
| Equity capital to assets | 7.4188% | 7,106 |
| Core capital (leverage) ratio | 7.0201% | 7,219 |
| Tier 1 risk-based capital ratio | 9.1439% | 7,401 |
| Total risk-based capital ratio | 10.4202% | 7,401 |
| Memoranda: | ||
| Average total assets | $261,014,200 | 2,504 |
| Average earning assets | $239,963,400 | 2,499 |
| Average equity | $21,635,400 | 2,996 |
| Average total loans | $210,568,000 | 2,192 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7966% | 2,913 |
| Cost of funding earning assets | 2.1813% | 2,489 |
| Net interest margin | 3.6153% | 4,424 |
| Noninterest income to average assets | 0.5332% | 4,210 |
| Noninterest expense to average assets | 3.6312% | 1,955 |
| Loan and lease loss provision to assets | 2.5835% | 631 |
| Net operating income to assets | -1.5056% | 7,117 |
| Return on assets (ROA) | -1.5056% | 7,112 |
| Pretax return on assets | -2.3548% | 7,300 |
| Return on Equity (ROE) | -17.6601% | 7,297 |
| Retained earnings to average equity (ytd only) | -17.6601% | 7,260 |
| Net charge-offs to loans | 1.8468% | 1,094 |
| Credit loss provision to net charge-offs | 167.7692% | 2,794 |
| Earnings coverage of net charge-offs (x) | 0.1485% | 5,886 |
| Efficiency ratio | 94.0757% | 1,391 |
| Assets per employee ($millions) | 4.3110% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7606% | 826 |
| Loan loss allowance to noncurrent loans | 32.3219% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 7.7898% | 562 |
| Noncurrent loans to loans | 8.5408% | 542 |
| Net loans and leases to total assets | 70.1697% | 3,467 |
| Net loans and leases to deposits | 82.9074% | 3,848 |
| Net loans and leases to core deposits | 101.9845% | 4,157 |
| Total domestic deposits to total assets | 84.6363% | 3,413 |
| Equity capital to assets | 8.0343% | 6,820 |
| Core capital (leverage) ratio | 8.2936% | 5,848 |
| Tier 1 risk-based capital ratio | 10.0765% | 6,904 |
| Total risk-based capital ratio | 11.3423% | 6,831 |
| Memoranda: | ||
| Average total assets | $256,546,250 | 2,557 |
| Average earning assets | $236,064,000 | 2,559 |
| Average equity | $21,871,750 | 2,989 |
| Average total loans | $213,911,750 | 2,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0678% | 1,908 |
| Cost of funding earning assets | 2.2454% | 2,599 |
| Net interest margin | 3.8223% | 3,446 |
| Noninterest income to average assets | 0.6242% | 3,505 |
| Noninterest expense to average assets | 3.7586% | 1,730 |
| Loan and lease loss provision to assets | 2.7685% | 551 |
| Net operating income to assets | -1.5274% | 7,261 |
| Return on assets (ROA) | -1.5274% | 7,266 |
| Pretax return on assets | -2.3896% | 7,390 |
| Return on Equity (ROE) | -17.5362% | 7,441 |
| Retained earnings to average equity (ytd only) | -17.5362% | 7,374 |
| Net charge-offs to loans | 2.1918% | 834 |
| Credit loss provision to net charge-offs | 144.1977% | 3,213 |
| Earnings coverage of net charge-offs (x) | 0.1973% | 5,475 |
| Efficiency ratio | 90.8437% | 1,741 |
| Assets per employee ($millions) | 4.1509% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,225 |
| Loan loss allowance to noncurrent loans | 33.6729% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 6.9172% | 625 |
| Noncurrent loans to loans | 6.5703% | 793 |
| Net loans and leases to total assets | 78.2227% | 1,693 |
| Net loans and leases to deposits | 93.5854% | 2,161 |
| Net loans and leases to core deposits | 109.7120% | 3,404 |
| Total domestic deposits to total assets | 83.5843% | 3,973 |
| Equity capital to assets | 8.4572% | 6,111 |
| Core capital (leverage) ratio | 8.9024% | 4,778 |
| Tier 1 risk-based capital ratio | 9.7664% | 7,170 |
| Total risk-based capital ratio | 11.0265% | 7,104 |
| Memoranda: | ||
| Average total assets | $248,657,670 | 2,647 |
| Average earning assets | $228,551,330 | 2,648 |
| Average equity | $21,658,000 | 3,015 |
| Average total loans | $217,813,670 | 2,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2959% | 1,312 |
| Cost of funding earning assets | 2.3804% | 2,379 |
| Net interest margin | 3.9155% | 2,989 |
| Noninterest income to average assets | 0.5994% | 3,554 |
| Noninterest expense to average assets | 3.8591% | 1,371 |
| Loan and lease loss provision to assets | 5.6821% | 132 |
| Net operating income to assets | -3.5041% | 7,923 |
| Return on assets (ROA) | -3.5041% | 7,916 |
| Pretax return on assets | -5.3320% | 8,009 |
| Return on Equity (ROE) | -39.6099% | 7,983 |
| Retained earnings to average equity (ytd only) | -39.6099% | 7,961 |
| Net charge-offs to loans | 3.1964% | 396 |
| Credit loss provision to net charge-offs | 193.8592% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.1194% | 4,882 |
| Efficiency ratio | 91.6830% | 1,595 |
| Assets per employee ($millions) | 3.7779% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3855% | 866 |
| Loan loss allowance to noncurrent loans | 44.1598% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 5.4677% | 785 |
| Noncurrent loans to loans | 5.4021% | 975 |
| Net loans and leases to total assets | 88.6808% | 214 |
| Net loans and leases to deposits | 109.0765% | 662 |
| Net loans and leases to core deposits | 126.5028% | 1,889 |
| Total domestic deposits to total assets | 81.3015% | 4,837 |
| Equity capital to assets | 8.4249% | 6,193 |
| Core capital (leverage) ratio | 8.4646% | 5,605 |
| Tier 1 risk-based capital ratio | 8.9355% | 7,826 |
| Total risk-based capital ratio | 10.1991% | 7,861 |
| Memoranda: | ||
| Average total assets | $242,233,500 | 2,744 |
| Average earning assets | $223,320,000 | 2,727 |
| Average equity | $21,429,000 | 3,057 |
| Average total loans | $222,128,000 | 2,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2289% | 691 |
| Cost of funding earning assets | 3.0456% | 1,700 |
| Net interest margin | 4.1833% | 2,378 |
| Noninterest income to average assets | 0.6050% | 3,807 |
| Noninterest expense to average assets | 4.1773% | 1,171 |
| Loan and lease loss provision to assets | 0.9035% | 1,656 |
| Net operating income to assets | -0.3397% | 6,763 |
| Return on assets (ROA) | -0.3397% | 6,640 |
| Pretax return on assets | -0.5744% | 6,714 |
| Return on Equity (ROE) | -3.4587% | 6,682 |
| Retained earnings to average equity (ytd only) | -12.9702% | 7,327 |
| Net charge-offs to loans | 0.3220% | 3,246 |
| Credit loss provision to net charge-offs | 302.7027% | 1,488 |
| Earnings coverage of net charge-offs (x) | 1.1024% | 5,572 |
| Efficiency ratio | 92.6983% | 1,346 |
| Assets per employee ($millions) | 3.3244% | 5,152 |
| Cash dividends to net income (ytd only)* | -275.0000% | 8,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 2,287 |
| Loan loss allowance to noncurrent loans | 29.6180% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 5.3387% | 615 |
| Noncurrent loans to loans | 5.3727% | 779 |
| Net loans and leases to total assets | 91.0760% | 129 |
| Net loans and leases to deposits | 108.2129% | 956 |
| Net loans and leases to core deposits | 124.9052% | 2,259 |
| Total domestic deposits to total assets | 84.1637% | 3,235 |
| Equity capital to assets | 9.2664% | 4,979 |
| Core capital (leverage) ratio | 9.3164% | 4,275 |
| Tier 1 risk-based capital ratio | 9.5969% | 7,213 |
| Total risk-based capital ratio | 10.8504% | 7,097 |
| Memoranda: | ||
| Average total assets | $235,533,200 | 2,697 |
| Average earning assets | $219,658,800 | 2,666 |
| Average equity | $23,130,000 | 2,835 |
| Average total loans | $218,314,600 | 2,145 |