Home > Coastal States Bank > Performance and Condition Ratios
Coastal States Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 818 |
| Cost of funding earning assets | 2.1874% | 655 |
| Net interest margin | 3.6250% | 1,918 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.0248% | 3,565 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3595% | 1,298 |
| Return on assets (ROA) | 1.3388% | 1,321 |
| Pretax return on assets | 1.7286% | 1,007 |
| Return on Equity (ROE) | 15.8700% | 1,122 |
| Retained earnings to average equity (ytd only) | 15.8666% | 277 |
| Net charge-offs to loans | 0.0496% | 1,372 |
| Credit loss provision to net charge-offs | 302.6798% | 956 |
| Earnings coverage of net charge-offs (x) | 50.8660% | 1,284 |
| Efficiency ratio | 52.1839% | 3,815 |
| Assets per employee ($millions) | 11.6332% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,158 |
| Loan loss allowance to noncurrent loans | 356.5007% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 2,152 |
| Noncurrent loans to loans | 0.2891% | 2,141 |
| Net loans and leases to total assets | 73.3700% | 1,430 |
| Net loans and leases to deposits | 84.7003% | 1,715 |
| Net loans and leases to core deposits | 106.2504% | 1,102 |
| Total domestic deposits to total assets | 86.6200% | 1,814 |
| Equity capital to assets | 9.3905% | 2,431 |
| Core capital (leverage) ratio | 9.9377% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3624% | 2,468 |
| Memoranda: | ||
| Average total assets | $1,967,162,400 | 584 |
| Average earning assets | $1,841,188,400 | 564 |
| Average equity | $165,983,800 | 621 |
| Average total loans | $1,428,536,000 | 537 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6524% | 848 |
| Cost of funding earning assets | 2.0468% | 653 |
| Net interest margin | 3.6057% | 1,996 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.9211% | 3,771 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.3059% | 1,537 |
| Return on assets (ROA) | 1.2780% | 1,579 |
| Pretax return on assets | 1.6703% | 1,217 |
| Return on Equity (ROE) | 15.6000% | 1,327 |
| Retained earnings to average equity (ytd only) | 15.6027% | 501 |
| Net charge-offs to loans | 0.0613% | 1,052 |
| Credit loss provision to net charge-offs | 304.3210% | 881 |
| Earnings coverage of net charge-offs (x) | 41.6034% | 1,422 |
| Efficiency ratio | 50.7568% | 3,854 |
| Assets per employee ($millions) | 11.6053% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,154 |
| Loan loss allowance to noncurrent loans | 210.4167% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 1,522 |
| Noncurrent loans to loans | 0.4943% | 1,581 |
| Net loans and leases to total assets | 73.1800% | 1,450 |
| Net loans and leases to deposits | 81.5045% | 1,939 |
| Net loans and leases to core deposits | 99.7514% | 1,327 |
| Total domestic deposits to total assets | 89.7900% | 994 |
| Equity capital to assets | 8.4386% | 2,756 |
| Core capital (leverage) ratio | 9.5055% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9164% | 2,634 |
| Memoranda: | ||
| Average total assets | $1,952,909,250 | 585 |
| Average earning assets | $1,832,111,250 | 568 |
| Average equity | $159,959,500 | 637 |
| Average total loans | $1,410,532,500 | 547 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 807 |
| Cost of funding earning assets | 1.8765% | 643 |
| Net interest margin | 3.6425% | 1,932 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.8775% | 3,864 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4316% | 1,256 |
| Return on assets (ROA) | 1.3894% | 1,337 |
| Pretax return on assets | 1.8132% | 988 |
| Return on Equity (ROE) | 17.1400% | 1,079 |
| Retained earnings to average equity (ytd only) | 17.1411% | 389 |
| Net charge-offs to loans | 0.0771% | 809 |
| Credit loss provision to net charge-offs | 283.1776% | 890 |
| Earnings coverage of net charge-offs (x) | 35.9290% | 1,467 |
| Efficiency ratio | 48.3164% | 4,043 |
| Assets per employee ($millions) | 11.8148% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,213 |
| Loan loss allowance to noncurrent loans | 208.6473% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 1,406 |
| Noncurrent loans to loans | 0.5015% | 1,454 |
| Net loans and leases to total assets | 72.3700% | 1,481 |
| Net loans and leases to deposits | 80.5246% | 1,933 |
| Net loans and leases to core deposits | 101.1133% | 1,180 |
| Total domestic deposits to total assets | 89.8700% | 960 |
| Equity capital to assets | 8.4815% | 2,883 |
| Core capital (leverage) ratio | 9.0799% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8499% | 2,671 |
| Memoranda: | ||
| Average total assets | $1,938,510,333 | 575 |
| Average earning assets | $1,818,246,667 | 560 |
| Average equity | $157,131,333 | 646 |
| Average total loans | $1,388,676,000 | 539 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 1,346 |
| Cost of funding earning assets | 0.5095% | 1,323 |
| Net interest margin | 3.6431% | 1,512 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.0532% | 3,433 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.1589% | 1,939 |
| Return on assets (ROA) | 1.1589% | 1,874 |
| Pretax return on assets | 1.5106% | 1,420 |
| Return on Equity (ROE) | 14.2800% | 1,471 |
| Retained earnings to average equity (ytd only) | 14.2791% | 355 |
| Net charge-offs to loans | 0.0742% | 905 |
| Credit loss provision to net charge-offs | 587.7315% | 614 |
| Earnings coverage of net charge-offs (x) | 35.7569% | 1,570 |
| Efficiency ratio | 52.7803% | 3,909 |
| Assets per employee ($millions) | 10.5980% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 3,696 |
| Loan loss allowance to noncurrent loans | 153.0140% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 1,159 |
| Noncurrent loans to loans | 0.6015% | 1,245 |
| Net loans and leases to total assets | 72.5800% | 1,356 |
| Net loans and leases to deposits | 85.6775% | 1,339 |
| Net loans and leases to core deposits | 96.4567% | 1,176 |
| Total domestic deposits to total assets | 84.7100% | 3,057 |
| Equity capital to assets | 7.9149% | 3,111 |
| Core capital (leverage) ratio | 8.9727% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7663% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,708,960,800 | 635 |
| Average earning assets | $1,603,404,600 | 614 |
| Average equity | $138,698,800 | 713 |
| Average total loans | $1,163,767,000 | 597 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 1,541 |
| Cost of funding earning assets | 0.3500% | 1,701 |
| Net interest margin | 3.5255% | 1,589 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0399% | 3,378 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 1.1104% | 2,047 |
| Return on assets (ROA) | 1.1104% | 2,016 |
| Pretax return on assets | 1.4445% | 1,581 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 13.5903% | 527 |
| Net charge-offs to loans | 0.1051% | 588 |
| Credit loss provision to net charge-offs | 494.2177% | 619 |
| Earnings coverage of net charge-offs (x) | 25.5522% | 1,602 |
| Efficiency ratio | 52.8326% | 3,936 |
| Assets per employee ($millions) | 10.3075% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 3,714 |
| Loan loss allowance to noncurrent loans | 262.3561% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 1,788 |
| Noncurrent loans to loans | 0.3597% | 1,946 |
| Net loans and leases to total assets | 70.8800% | 1,402 |
| Net loans and leases to deposits | 79.0001% | 1,636 |
| Net loans and leases to core deposits | 85.2483% | 1,566 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 7.5689% | 3,174 |
| Core capital (leverage) ratio | 8.5000% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5771% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,677,838,250 | 648 |
| Average earning assets | $1,577,024,000 | 631 |
| Average equity | $137,094,750 | 728 |
| Average total loans | $1,118,933,000 | 610 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5959% | 1,858 |
| Cost of funding earning assets | 0.2565% | 2,177 |
| Net interest margin | 3.3394% | 1,792 |
| Noninterest income to average assets | 0.6002% | 1,737 |
| Noninterest expense to average assets | 1.9865% | 3,467 |
| Loan and lease loss provision to assets | 0.3709% | 157 |
| Net operating income to assets | 1.0707% | 1,893 |
| Return on assets (ROA) | 1.0707% | 1,870 |
| Pretax return on assets | 1.3863% | 1,480 |
| Return on Equity (ROE) | 12.7795% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.7795% | 495 |
| Net charge-offs to loans | 0.1173% | 524 |
| Credit loss provision to net charge-offs | 486.5931% | 641 |
| Earnings coverage of net charge-offs (x) | 23.0505% | 1,495 |
| Efficiency ratio | 52.6257% | 4,080 |
| Assets per employee ($millions) | 10.6318% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,938 |
| Loan loss allowance to noncurrent loans | 273.3815% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 2,008 |
| Noncurrent loans to loans | 0.3310% | 2,151 |
| Net loans and leases to total assets | 67.8189% | 1,491 |
| Net loans and leases to deposits | 76.9617% | 1,615 |
| Net loans and leases to core deposits | 82.2478% | 1,581 |
| Total domestic deposits to total assets | 88.1204% | 2,524 |
| Equity capital to assets | 7.7942% | 3,274 |
| Core capital (leverage) ratio | 8.4591% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6969% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,663,332,000 | 650 |
| Average earning assets | $1,565,741,333 | 638 |
| Average equity | $139,363,667 | 725 |
| Average total loans | $1,081,317,667 | 616 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3798% | 2,147 |
| Cost of funding earning assets | 0.2402% | 2,263 |
| Net interest margin | 3.1396% | 2,056 |
| Noninterest income to average assets | 0.6416% | 1,525 |
| Noninterest expense to average assets | 1.9788% | 3,485 |
| Loan and lease loss provision to assets | 0.3460% | 166 |
| Net operating income to assets | 0.9749% | 1,985 |
| Return on assets (ROA) | 0.9749% | 1,979 |
| Pretax return on assets | 1.2799% | 1,564 |
| Return on Equity (ROE) | 11.2268% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.2268% | 736 |
| Net charge-offs to loans | 0.2393% | 260 |
| Credit loss provision to net charge-offs | 228.7097% | 742 |
| Earnings coverage of net charge-offs (x) | 10.7468% | 1,454 |
| Efficiency ratio | 54.4273% | 4,027 |
| Assets per employee ($millions) | 10.5583% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,150 |
| Loan loss allowance to noncurrent loans | 277.7398% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,283 |
| Noncurrent loans to loans | 0.3059% | 2,362 |
| Net loans and leases to total assets | 62.5805% | 1,790 |
| Net loans and leases to deposits | 70.0220% | 1,964 |
| Net loans and leases to core deposits | 72.0659% | 2,102 |
| Total domestic deposits to total assets | 89.3726% | 1,886 |
| Equity capital to assets | 8.2613% | 3,356 |
| Core capital (leverage) ratio | 8.4278% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5185% | 2,977 |
| Memoranda: | ||
| Average total assets | $1,639,139,000 | 660 |
| Average earning assets | $1,547,077,000 | 645 |
| Average equity | $142,338,000 | 737 |
| Average total loans | $1,036,243,000 | 638 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 2,011 |
| Cost of funding earning assets | 0.3080% | 2,320 |
| Net interest margin | 3.4295% | 1,933 |
| Noninterest income to average assets | 0.8329% | 1,367 |
| Noninterest expense to average assets | 2.6954% | 1,646 |
| Loan and lease loss provision to assets | 0.1016% | 1,237 |
| Net operating income to assets | 1.0069% | 2,641 |
| Return on assets (ROA) | 1.0030% | 2,723 |
| Pretax return on assets | 1.2640% | 2,474 |
| Return on Equity (ROE) | 10.9480% | 2,181 |
| Retained earnings to average equity (ytd only) | 10.9480% | 710 |
| Net charge-offs to loans | 0.0247% | 1,751 |
| Credit loss provision to net charge-offs | 605.4795% | 720 |
| Earnings coverage of net charge-offs (x) | 81.7032% | 985 |
| Efficiency ratio | 65.9056% | 2,272 |
| Assets per employee ($millions) | 9.8175% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,267 |
| Loan loss allowance to noncurrent loans | 228.0437% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 2,241 |
| Noncurrent loans to loans | 0.3504% | 2,326 |
| Net loans and leases to total assets | 62.8183% | 1,847 |
| Net loans and leases to deposits | 70.9129% | 2,030 |
| Net loans and leases to core deposits | 72.9259% | 2,175 |
| Total domestic deposits to total assets | 88.5852% | 1,741 |
| Equity capital to assets | 9.1214% | 3,492 |
| Core capital (leverage) ratio | 8.2519% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6262% | 2,963 |
| Memoranda: | ||
| Average total assets | $1,305,508,000 | 761 |
| Average earning assets | $1,230,731,800 | 756 |
| Average equity | $119,601,600 | 866 |
| Average total loans | $885,448,400 | 736 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 2,024 |
| Cost of funding earning assets | 0.3232% | 2,369 |
| Net interest margin | 3.4731% | 1,950 |
| Noninterest income to average assets | 0.8111% | 1,487 |
| Noninterest expense to average assets | 2.5574% | 1,963 |
| Loan and lease loss provision to assets | 0.1005% | 1,195 |
| Net operating income to assets | 1.1034% | 2,543 |
| Return on assets (ROA) | 1.1034% | 2,598 |
| Pretax return on assets | 1.4250% | 2,232 |
| Return on Equity (ROE) | 12.0271% | 2,037 |
| Retained earnings to average equity (ytd only) | 12.0271% | 832 |
| Net charge-offs to loans | 0.0396% | 1,300 |
| Credit loss provision to net charge-offs | 366.4032% | 910 |
| Earnings coverage of net charge-offs (x) | 55.5968% | 1,179 |
| Efficiency ratio | 62.2802% | 2,645 |
| Assets per employee ($millions) | 9.3141% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,148 |
| Loan loss allowance to noncurrent loans | 167.4262% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 1,883 |
| Noncurrent loans to loans | 0.5385% | 1,969 |
| Net loans and leases to total assets | 63.6692% | 1,813 |
| Net loans and leases to deposits | 72.0657% | 2,046 |
| Net loans and leases to core deposits | 73.3115% | 2,295 |
| Total domestic deposits to total assets | 88.3488% | 1,646 |
| Equity capital to assets | 8.9317% | 3,894 |
| Core capital (leverage) ratio | 8.1781% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7378% | 3,012 |
| Memoranda: | ||
| Average total assets | $1,229,366,500 | 821 |
| Average earning assets | $1,158,100,750 | 810 |
| Average equity | $112,786,750 | 932 |
| Average total loans | $851,918,250 | 777 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 1,900 |
| Cost of funding earning assets | 0.3455% | 2,356 |
| Net interest margin | 3.5245% | 1,789 |
| Noninterest income to average assets | 0.7749% | 1,597 |
| Noninterest expense to average assets | 2.5916% | 1,881 |
| Loan and lease loss provision to assets | 0.0380% | 2,234 |
| Net operating income to assets | 1.1260% | 2,446 |
| Return on assets (ROA) | 1.1260% | 2,515 |
| Pretax return on assets | 1.4604% | 2,136 |
| Return on Equity (ROE) | 12.1541% | 1,997 |
| Retained earnings to average equity (ytd only) | 12.1541% | 882 |
| Net charge-offs to loans | 0.0261% | 1,427 |
| Credit loss provision to net charge-offs | 204.5045% | 1,045 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 836 |
| Efficiency ratio | 62.9925% | 2,577 |
| Assets per employee ($millions) | 8.9325% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 4,328 |
| Loan loss allowance to noncurrent loans | 260.0654% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 2,521 |
| Noncurrent loans to loans | 0.3179% | 2,780 |
| Net loans and leases to total assets | 68.1638% | 1,424 |
| Net loans and leases to deposits | 76.7367% | 1,749 |
| Net loans and leases to core deposits | 78.1604% | 2,031 |
| Total domestic deposits to total assets | 88.8282% | 1,369 |
| Equity capital to assets | 9.1215% | 3,684 |
| Core capital (leverage) ratio | 8.3158% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0321% | 2,952 |
| Memoranda: | ||
| Average total assets | $1,195,181,667 | 834 |
| Average earning assets | $1,124,119,667 | 821 |
| Average equity | $110,728,000 | 937 |
| Average total loans | $850,645,000 | 778 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 1,522 |
| Cost of funding earning assets | 0.3889% | 2,188 |
| Net interest margin | 3.6553% | 1,436 |
| Noninterest income to average assets | 0.6019% | 2,202 |
| Noninterest expense to average assets | 2.5640% | 1,980 |
| Loan and lease loss provision to assets | 0.0017% | 2,726 |
| Net operating income to assets | 1.1226% | 2,410 |
| Return on assets (ROA) | 1.1226% | 2,484 |
| Pretax return on assets | 1.4724% | 2,067 |
| Return on Equity (ROE) | 12.0165% | 2,009 |
| Retained earnings to average equity (ytd only) | 12.0165% | 1,142 |
| Net charge-offs to loans | -0.0066% | 3,507 |
| Credit loss provision to net charge-offs | -35.7143% | 2,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1037% | 2,594 |
| Assets per employee ($millions) | 8.6101% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 4,386 |
| Loan loss allowance to noncurrent loans | 260.5166% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 2,655 |
| Noncurrent loans to loans | 0.3114% | 2,987 |
| Net loans and leases to total assets | 73.1798% | 886 |
| Net loans and leases to deposits | 83.8763% | 1,160 |
| Net loans and leases to core deposits | 85.8759% | 1,532 |
| Total domestic deposits to total assets | 87.2473% | 2,207 |
| Equity capital to assets | 9.3804% | 3,303 |
| Core capital (leverage) ratio | 8.8659% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4538% | 2,822 |
| Memoranda: | ||
| Average total assets | $1,163,034,500 | 842 |
| Average earning assets | $1,093,327,000 | 830 |
| Average equity | $108,650,500 | 944 |
| Average total loans | $843,135,500 | 775 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 1,932 |
| Cost of funding earning assets | 0.6237% | 2,160 |
| Net interest margin | 3.6542% | 1,966 |
| Noninterest income to average assets | 0.5756% | 2,318 |
| Noninterest expense to average assets | 2.8275% | 1,874 |
| Loan and lease loss provision to assets | 0.3445% | 1,013 |
| Net operating income to assets | 0.6290% | 3,653 |
| Return on assets (ROA) | 0.7092% | 3,539 |
| Pretax return on assets | 0.9169% | 3,320 |
| Return on Equity (ROE) | 6.9868% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.9868% | 1,401 |
| Net charge-offs to loans | 0.0186% | 2,706 |
| Credit loss provision to net charge-offs | 2,470.2290% | 378 |
| Earnings coverage of net charge-offs (x) | 83.1679% | 877 |
| Efficiency ratio | 70.3762% | 1,898 |
| Assets per employee ($millions) | 8.7518% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,291 |
| Loan loss allowance to noncurrent loans | 201.5169% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 2,484 |
| Noncurrent loans to loans | 0.4282% | 2,693 |
| Net loans and leases to total assets | 70.5594% | 1,487 |
| Net loans and leases to deposits | 89.8176% | 938 |
| Net loans and leases to core deposits | 92.8674% | 1,315 |
| Total domestic deposits to total assets | 78.5586% | 4,256 |
| Equity capital to assets | 9.3025% | 3,783 |
| Core capital (leverage) ratio | 9.1529% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3416% | 2,833 |
| Memoranda: | ||
| Average total assets | $939,264,400 | 934 |
| Average earning assets | $876,988,400 | 929 |
| Average equity | $95,337,400 | 1,002 |
| Average total loans | $704,084,200 | 863 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,187 |
| Cost of funding earning assets | 0.6910% | 2,079 |
| Net interest margin | 3.5776% | 2,341 |
| Noninterest income to average assets | 0.5622% | 2,341 |
| Noninterest expense to average assets | 2.7779% | 2,025 |
| Loan and lease loss provision to assets | 0.2781% | 1,447 |
| Net operating income to assets | 0.6376% | 3,672 |
| Return on assets (ROA) | 0.7142% | 3,518 |
| Pretax return on assets | 0.9354% | 3,283 |
| Return on Equity (ROE) | 6.8518% | 3,256 |
| Retained earnings to average equity (ytd only) | 6.8518% | 1,757 |
| Net charge-offs to loans | 0.0166% | 2,539 |
| Credit loss provision to net charge-offs | 2,203.5714% | 436 |
| Earnings coverage of net charge-offs (x) | 88.4643% | 860 |
| Efficiency ratio | 70.7457% | 1,780 |
| Assets per employee ($millions) | 8.3556% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 4,572 |
| Loan loss allowance to noncurrent loans | 153.8856% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 2,385 |
| Noncurrent loans to loans | 0.4590% | 2,672 |
| Net loans and leases to total assets | 72.6818% | 1,559 |
| Net loans and leases to deposits | 92.5043% | 1,034 |
| Net loans and leases to core deposits | 95.7151% | 1,482 |
| Total domestic deposits to total assets | 78.5713% | 4,121 |
| Equity capital to assets | 9.4377% | 3,734 |
| Core capital (leverage) ratio | 9.6164% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7028% | 2,724 |
| Memoranda: | ||
| Average total assets | $887,457,500 | 965 |
| Average earning assets | $826,578,000 | 964 |
| Average equity | $92,508,750 | 1,020 |
| Average total loans | $676,105,500 | 890 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 2,050 |
| Cost of funding earning assets | 0.8009% | 1,823 |
| Net interest margin | 3.6555% | 2,300 |
| Noninterest income to average assets | 0.5743% | 2,233 |
| Noninterest expense to average assets | 2.9298% | 1,765 |
| Loan and lease loss provision to assets | 0.2778% | 1,541 |
| Net operating income to assets | 0.5793% | 3,804 |
| Return on assets (ROA) | 0.6371% | 3,706 |
| Pretax return on assets | 0.8288% | 3,511 |
| Return on Equity (ROE) | 5.8614% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.8614% | 2,139 |
| Net charge-offs to loans | 0.0348% | 2,042 |
| Credit loss provision to net charge-offs | 1,030.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 38.3182% | 1,278 |
| Efficiency ratio | 73.2847% | 1,535 |
| Assets per employee ($millions) | 7.5229% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 4,641 |
| Loan loss allowance to noncurrent loans | 111.9666% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,140 |
| Noncurrent loans to loans | 0.5953% | 2,368 |
| Net loans and leases to total assets | 76.7528% | 1,031 |
| Net loans and leases to deposits | 93.3511% | 1,018 |
| Net loans and leases to core deposits | 98.2277% | 1,395 |
| Total domestic deposits to total assets | 82.2195% | 3,312 |
| Equity capital to assets | 9.6916% | 3,489 |
| Core capital (leverage) ratio | 9.1515% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4378% | 2,842 |
| Memoranda: | ||
| Average total assets | $815,631,667 | 1,013 |
| Average earning assets | $756,169,667 | 1,007 |
| Average equity | $88,647,667 | 1,048 |
| Average total loans | $632,362,000 | 922 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 1,570 |
| Cost of funding earning assets | 0.9158% | 1,786 |
| Net interest margin | 3.8293% | 1,879 |
| Noninterest income to average assets | 0.5876% | 2,094 |
| Noninterest expense to average assets | 3.3030% | 1,221 |
| Loan and lease loss provision to assets | 0.2863% | 1,085 |
| Net operating income to assets | 0.3933% | 4,151 |
| Return on assets (ROA) | 0.5202% | 3,898 |
| Pretax return on assets | 0.6911% | 3,710 |
| Return on Equity (ROE) | 4.4723% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.4723% | 2,504 |
| Net charge-offs to loans | 0.0160% | 2,051 |
| Credit loss provision to net charge-offs | 2,308.6957% | 312 |
| Earnings coverage of net charge-offs (x) | 65.8696% | 761 |
| Efficiency ratio | 79.4949% | 1,190 |
| Assets per employee ($millions) | 6.0664% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 4,547 |
| Loan loss allowance to noncurrent loans | 94.7750% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 1,708 |
| Noncurrent loans to loans | 0.7770% | 2,059 |
| Net loans and leases to total assets | 77.1467% | 1,106 |
| Net loans and leases to deposits | 89.9557% | 1,515 |
| Net loans and leases to core deposits | 101.2619% | 1,380 |
| Total domestic deposits to total assets | 85.7608% | 2,101 |
| Equity capital to assets | 11.1982% | 2,681 |
| Core capital (leverage) ratio | 9.9284% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4766% | 3,230 |
| Memoranda: | ||
| Average total assets | $741,985,000 | 1,058 |
| Average earning assets | $684,402,000 | 1,060 |
| Average equity | $86,310,000 | 1,069 |
| Average total loans | $576,527,500 | 970 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1009% | 1,212 |
| Cost of funding earning assets | 0.8869% | 2,247 |
| Net interest margin | 4.2140% | 1,296 |
| Noninterest income to average assets | 0.8386% | 1,337 |
| Noninterest expense to average assets | 3.9457% | 566 |
| Loan and lease loss provision to assets | 0.2867% | 598 |
| Net operating income to assets | 0.3311% | 4,711 |
| Return on assets (ROA) | 0.4062% | 4,618 |
| Pretax return on assets | 0.5409% | 4,507 |
| Return on Equity (ROE) | 3.4171% | 4,591 |
| Retained earnings to average equity (ytd only) | 3.4171% | 3,301 |
| Net charge-offs to loans | 0.1722% | 1,171 |
| Credit loss provision to net charge-offs | 219.6471% | 1,205 |
| Earnings coverage of net charge-offs (x) | 5.6118% | 3,064 |
| Efficiency ratio | 83.6053% | 684 |
| Assets per employee ($millions) | 5.5271% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 4,544 |
| Loan loss allowance to noncurrent loans | 72.6333% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 1,281 |
| Noncurrent loans to loans | 0.9860% | 1,545 |
| Net loans and leases to total assets | 77.1242% | 1,238 |
| Net loans and leases to deposits | 89.9171% | 1,599 |
| Net loans and leases to core deposits | 100.0759% | 1,555 |
| Total domestic deposits to total assets | 85.7726% | 2,148 |
| Equity capital to assets | 12.1087% | 2,071 |
| Core capital (leverage) ratio | 10.3209% | 3,167 |
| Tier 1 risk-based capital ratio | 11.7248% | 4,510 |
| Total risk-based capital ratio | 12.3703% | 4,702 |
| Memoranda: | ||
| Average total assets | $651,120,400 | 1,151 |
| Average earning assets | $593,288,400 | 1,167 |
| Average equity | $77,405,600 | 1,116 |
| Average total loans | $493,646,800 | 1,086 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 1,285 |
| Cost of funding earning assets | 0.8649% | 2,386 |
| Net interest margin | 4.2346% | 1,295 |
| Noninterest income to average assets | 0.8399% | 1,307 |
| Noninterest expense to average assets | 4.0047% | 529 |
| Loan and lease loss provision to assets | 0.2610% | 606 |
| Net operating income to assets | 0.3108% | 4,822 |
| Return on assets (ROA) | 0.4132% | 4,722 |
| Pretax return on assets | 0.5486% | 4,626 |
| Return on Equity (ROE) | 3.4934% | 4,682 |
| Retained earnings to average equity (ytd only) | 3.4934% | 3,659 |
| Net charge-offs to loans | 0.1440% | 1,128 |
| Credit loss provision to net charge-offs | 240.7336% | 1,127 |
| Earnings coverage of net charge-offs (x) | 6.2722% | 2,854 |
| Efficiency ratio | 84.7205% | 569 |
| Assets per employee ($millions) | 5.3462% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6746% | 4,694 |
| Loan loss allowance to noncurrent loans | 50.6385% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 915 |
| Noncurrent loans to loans | 1.3322% | 1,156 |
| Net loans and leases to total assets | 77.8833% | 1,163 |
| Net loans and leases to deposits | 92.6006% | 1,359 |
| Net loans and leases to core deposits | 101.9640% | 1,506 |
| Total domestic deposits to total assets | 84.1067% | 2,781 |
| Equity capital to assets | 12.3101% | 2,037 |
| Core capital (leverage) ratio | 10.5354% | 3,080 |
| Tier 1 risk-based capital ratio | 11.6622% | 4,587 |
| Total risk-based capital ratio | 12.2689% | 4,790 |
| Memoranda: | ||
| Average total assets | $637,032,250 | 1,171 |
| Average earning assets | $578,398,250 | 1,190 |
| Average equity | $75,340,500 | 1,137 |
| Average total loans | $479,666,250 | 1,120 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 1,289 |
| Cost of funding earning assets | 0.8285% | 2,504 |
| Net interest margin | 4.2459% | 1,248 |
| Noninterest income to average assets | 0.8688% | 1,159 |
| Noninterest expense to average assets | 4.1143% | 462 |
| Loan and lease loss provision to assets | 0.4097% | 295 |
| Net operating income to assets | 0.1261% | 5,043 |
| Return on assets (ROA) | 0.2153% | 4,987 |
| Pretax return on assets | 0.2960% | 4,936 |
| Return on Equity (ROE) | 1.8488% | 4,960 |
| Retained earnings to average equity (ytd only) | 1.8488% | 4,160 |
| Net charge-offs to loans | 0.3588% | 468 |
| Credit loss provision to net charge-offs | 154.0049% | 1,456 |
| Earnings coverage of net charge-offs (x) | 2.2282% | 2,960 |
| Efficiency ratio | 86.6187% | 514 |
| Assets per employee ($millions) | 5.1675% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,762 |
| Loan loss allowance to noncurrent loans | 65.3585% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 1,292 |
| Noncurrent loans to loans | 1.0216% | 1,605 |
| Net loans and leases to total assets | 75.6656% | 1,603 |
| Net loans and leases to deposits | 87.1687% | 2,106 |
| Net loans and leases to core deposits | 90.9325% | 2,521 |
| Total domestic deposits to total assets | 86.8037% | 1,682 |
| Equity capital to assets | 12.6103% | 1,792 |
| Core capital (leverage) ratio | 10.9771% | 2,623 |
| Tier 1 risk-based capital ratio | 12.0294% | 4,400 |
| Total risk-based capital ratio | 12.6234% | 4,647 |
| Memoranda: | ||
| Average total assets | $619,491,000 | 1,194 |
| Average earning assets | $560,019,670 | 1,222 |
| Average equity | $72,155,000 | 1,180 |
| Average total loans | $459,296,670 | 1,150 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 1,248 |
| Cost of funding earning assets | 0.7729% | 2,674 |
| Net interest margin | 4.2628% | 1,164 |
| Noninterest income to average assets | 0.8334% | 1,205 |
| Noninterest expense to average assets | 4.2111% | 398 |
| Loan and lease loss provision to assets | 0.4311% | 260 |
| Net operating income to assets | 0.0194% | 5,134 |
| Return on assets (ROA) | 0.0194% | 5,137 |
| Pretax return on assets | 0.0321% | 5,128 |
| Return on Equity (ROE) | 0.1744% | 5,136 |
| Retained earnings to average equity (ytd only) | 0.1744% | 4,487 |
| Net charge-offs to loans | 0.5693% | 266 |
| Credit loss provision to net charge-offs | 103.6977% | 1,540 |
| Earnings coverage of net charge-offs (x) | 1.1141% | 2,620 |
| Efficiency ratio | 89.2622% | 424 |
| Assets per employee ($millions) | 5.0754% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 4,877 |
| Loan loss allowance to noncurrent loans | 48.0013% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 975 |
| Noncurrent loans to loans | 1.3190% | 1,240 |
| Net loans and leases to total assets | 75.1830% | 1,613 |
| Net loans and leases to deposits | 85.0461% | 2,249 |
| Net loans and leases to core deposits | 93.9958% | 2,124 |
| Total domestic deposits to total assets | 88.4027% | 1,129 |
| Equity capital to assets | 10.9229% | 2,925 |
| Core capital (leverage) ratio | 8.9740% | 4,670 |
| Tier 1 risk-based capital ratio | 10.0746% | 5,271 |
| Total risk-based capital ratio | 10.6433% | 5,326 |
| Memoranda: | ||
| Average total assets | $598,519,500 | 1,227 |
| Average earning assets | $539,266,000 | 1,258 |
| Average equity | $66,528,000 | 1,254 |
| Average total loans | $437,024,000 | 1,196 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 1,793 |
| Cost of funding earning assets | 0.4839% | 3,455 |
| Net interest margin | 4.2248% | 1,339 |
| Noninterest income to average assets | 0.8767% | 1,244 |
| Noninterest expense to average assets | 4.4196% | 319 |
| Loan and lease loss provision to assets | 0.3270% | 484 |
| Net operating income to assets | -0.0185% | 5,237 |
| Return on assets (ROA) | -0.0164% | 5,235 |
| Pretax return on assets | -0.0363% | 5,234 |
| Return on Equity (ROE) | -0.1508% | 5,236 |
| Retained earnings to average equity (ytd only) | -0.1508% | 5,005 |
| Net charge-offs to loans | 0.7807% | 196 |
| Credit loss provision to net charge-offs | 62.9740% | 3,066 |
| Earnings coverage of net charge-offs (x) | 0.5546% | 3,689 |
| Efficiency ratio | 93.4684% | 250 |
| Assets per employee ($millions) | 4.8984% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 4,776 |
| Loan loss allowance to noncurrent loans | 49.0012% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.3851% | 891 |
| Noncurrent loans to loans | 1.4551% | 1,057 |
| Net loans and leases to total assets | 69.7306% | 2,606 |
| Net loans and leases to deposits | 79.0045% | 3,052 |
| Net loans and leases to core deposits | 84.5426% | 3,030 |
| Total domestic deposits to total assets | 88.2616% | 1,174 |
| Equity capital to assets | 11.3183% | 2,399 |
| Core capital (leverage) ratio | 9.3237% | 4,333 |
| Tier 1 risk-based capital ratio | 11.1188% | 4,914 |
| Total risk-based capital ratio | 11.7490% | 5,074 |
| Memoranda: | ||
| Average total assets | $518,073,400 | 1,360 |
| Average earning assets | $469,770,800 | 1,388 |
| Average equity | $56,383,200 | 1,393 |
| Average total loans | $344,582,800 | 1,422 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 2,074 |
| Cost of funding earning assets | 0.4245% | 3,697 |
| Net interest margin | 4.1459% | 1,505 |
| Noninterest income to average assets | 0.9739% | 1,001 |
| Noninterest expense to average assets | 4.5175% | 290 |
| Loan and lease loss provision to assets | 0.2952% | 502 |
| Net operating income to assets | -0.0505% | 5,319 |
| Return on assets (ROA) | -0.0476% | 5,315 |
| Pretax return on assets | -0.0677% | 5,314 |
| Return on Equity (ROE) | -0.4421% | 5,317 |
| Retained earnings to average equity (ytd only) | -0.4421% | 5,093 |
| Net charge-offs to loans | 1.1072% | 125 |
| Credit loss provision to net charge-offs | 40.7407% | 2,901 |
| Earnings coverage of net charge-offs (x) | 0.3088% | 3,409 |
| Efficiency ratio | 94.9737% | 222 |
| Assets per employee ($millions) | 4.8562% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 5,035 |
| Loan loss allowance to noncurrent loans | 29.7721% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.8517% | 613 |
| Noncurrent loans to loans | 2.0307% | 714 |
| Net loans and leases to total assets | 67.6791% | 2,989 |
| Net loans and leases to deposits | 76.9990% | 3,324 |
| Net loans and leases to core deposits | 84.2983% | 3,134 |
| Total domestic deposits to total assets | 87.8961% | 1,284 |
| Equity capital to assets | 11.6693% | 2,132 |
| Core capital (leverage) ratio | 9.2975% | 4,404 |
| Tier 1 risk-based capital ratio | 11.5777% | 4,750 |
| Total risk-based capital ratio | 12.1051% | 5,008 |
| Memoranda: | ||
| Average total assets | $501,863,000 | 1,409 |
| Average earning assets | $456,017,750 | 1,430 |
| Average equity | $53,985,000 | 1,438 |
| Average total loans | $328,381,250 | 1,484 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,757 |
| Cost of funding earning assets | 0.3640% | 3,986 |
| Net interest margin | 3.9365% | 2,082 |
| Noninterest income to average assets | 0.9905% | 978 |
| Noninterest expense to average assets | 4.4634% | 304 |
| Loan and lease loss provision to assets | 0.2456% | 627 |
| Net operating income to assets | -0.0841% | 5,373 |
| Return on assets (ROA) | -0.0795% | 5,364 |
| Pretax return on assets | -0.1122% | 5,376 |
| Return on Equity (ROE) | -0.7641% | 5,370 |
| Retained earnings to average equity (ytd only) | -0.7641% | 5,054 |
| Net charge-offs to loans | 0.6519% | 225 |
| Credit loss provision to net charge-offs | 58.4813% | 2,435 |
| Earnings coverage of net charge-offs (x) | 0.3037% | 3,131 |
| Efficiency ratio | 97.2220% | 202 |
| Assets per employee ($millions) | 4.7200% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,360 |
| Loan loss allowance to noncurrent loans | 45.9495% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.2059% | 445 |
| Noncurrent loans to loans | 2.3609% | 567 |
| Net loans and leases to total assets | 66.8308% | 3,040 |
| Net loans and leases to deposits | 74.9659% | 3,441 |
| Net loans and leases to core deposits | 82.1304% | 3,229 |
| Total domestic deposits to total assets | 89.1483% | 871 |
| Equity capital to assets | 10.5149% | 3,098 |
| Core capital (leverage) ratio | 9.6645% | 3,924 |
| Tier 1 risk-based capital ratio | 12.2905% | 4,315 |
| Total risk-based capital ratio | 13.2809% | 4,350 |
| Memoranda: | ||
| Average total assets | $482,995,330 | 1,460 |
| Average earning assets | $441,758,330 | 1,486 |
| Average equity | $50,257,000 | 1,515 |
| Average total loans | $311,087,000 | 1,557 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,932 |
| Cost of funding earning assets | 0.3539% | 3,957 |
| Net interest margin | 3.8293% | 2,304 |
| Noninterest income to average assets | 0.6796% | 1,914 |
| Noninterest expense to average assets | 4.4070% | 323 |
| Loan and lease loss provision to assets | 0.4032% | 278 |
| Net operating income to assets | -0.4633% | 5,490 |
| Return on assets (ROA) | -0.4542% | 5,487 |
| Pretax return on assets | -0.6114% | 5,505 |
| Return on Equity (ROE) | -4.3877% | 5,491 |
| Retained earnings to average equity (ytd only) | -4.3877% | 5,170 |
| Net charge-offs to loans | 0.4241% | 365 |
| Credit loss provision to net charge-offs | 151.2346% | 1,225 |
| Earnings coverage of net charge-offs (x) | -0.8241% | 2,671 |
| Efficiency ratio | 105.2466% | 130 |
| Assets per employee ($millions) | 4.3700% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,147 |
| Loan loss allowance to noncurrent loans | 49.2755% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.5738% | 352 |
| Noncurrent loans to loans | 2.6801% | 479 |
| Net loans and leases to total assets | 69.0897% | 2,617 |
| Net loans and leases to deposits | 78.1100% | 3,006 |
| Net loans and leases to core deposits | 86.9788% | 2,716 |
| Total domestic deposits to total assets | 88.4518% | 1,379 |
| Equity capital to assets | 11.2636% | 2,335 |
| Core capital (leverage) ratio | 9.9000% | 3,650 |
| Tier 1 risk-based capital ratio | 12.6444% | 4,143 |
| Total risk-based capital ratio | 13.8476% | 4,084 |
| Memoranda: | ||
| Average total assets | $486,135,000 | 1,457 |
| Average earning assets | $445,300,000 | 1,475 |
| Average equity | $50,322,500 | 1,521 |
| Average total loans | $305,587,000 | 1,576 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,423 |
| Cost of funding earning assets | 0.3618% | 3,600 |
| Net interest margin | 3.6320% | 3,056 |
| Noninterest income to average assets | 0.5470% | 2,732 |
| Noninterest expense to average assets | 3.9871% | 544 |
| Loan and lease loss provision to assets | 0.9217% | 114 |
| Net operating income to assets | -1.7124% | 5,633 |
| Return on assets (ROA) | -2.3122% | 5,644 |
| Pretax return on assets | -1.6650% | 5,639 |
| Return on Equity (ROE) | -26.3082% | 5,652 |
| Retained earnings to average equity (ytd only) | -26.3082% | 5,635 |
| Net charge-offs to loans | 1.0648% | 165 |
| Credit loss provision to net charge-offs | 141.5580% | 1,871 |
| Earnings coverage of net charge-offs (x) | -0.2203% | 4,025 |
| Efficiency ratio | 103.7328% | 136 |
| Assets per employee ($millions) | 5.4732% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,237 |
| Loan loss allowance to noncurrent loans | 85.8553% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 795 |
| Noncurrent loans to loans | 1.5092% | 1,128 |
| Net loans and leases to total assets | 56.1757% | 4,175 |
| Net loans and leases to deposits | 79.9892% | 2,923 |
| Net loans and leases to core deposits | 90.1975% | 2,550 |
| Total domestic deposits to total assets | 70.2292% | 5,401 |
| Equity capital to assets | 9.5933% | 4,149 |
| Core capital (leverage) ratio | 10.3769% | 2,989 |
| Tier 1 risk-based capital ratio | 13.3757% | 3,703 |
| Total risk-based capital ratio | 14.5775% | 3,636 |
| Memoranda: | ||
| Average total assets | $483,010,000 | 1,447 |
| Average earning assets | $438,411,600 | 1,481 |
| Average equity | $42,450,600 | 1,752 |
| Average total loans | $295,356,600 | 1,588 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,449 |
| Cost of funding earning assets | 0.4210% | 2,979 |
| Net interest margin | 3.8239% | 2,305 |
| Noninterest income to average assets | 1.6901% | 398 |
| Noninterest expense to average assets | 6.0665% | 147 |
| Loan and lease loss provision to assets | 0.7543% | 149 |
| Net operating income to assets | -1.1203% | 5,679 |
| Return on assets (ROA) | -1.1203% | 5,679 |
| Pretax return on assets | -1.6802% | 5,701 |
| Return on Equity (ROE) | -13.0849% | 5,689 |
| Retained earnings to average equity (ytd only) | -13.0849% | 5,641 |
| Net charge-offs to loans | 0.7982% | 232 |
| Credit loss provision to net charge-offs | 151.5927% | 1,678 |
| Earnings coverage of net charge-offs (x) | -1.8606% | 3,732 |
| Efficiency ratio | 117.4770% | 67 |
| Assets per employee ($millions) | 3.7445% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 3,022 |
| Loan loss allowance to noncurrent loans | 87.0696% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 689 |
| Noncurrent loans to loans | 1.3599% | 1,385 |
| Net loans and leases to total assets | 54.7850% | 4,342 |
| Net loans and leases to deposits | 77.9596% | 3,165 |
| Net loans and leases to core deposits | 80.4878% | 3,414 |
| Total domestic deposits to total assets | 70.2736% | 5,469 |
| Equity capital to assets | 9.9249% | 4,002 |
| Core capital (leverage) ratio | 9.7249% | 3,907 |
| Tier 1 risk-based capital ratio | 14.1876% | 3,359 |
| Total risk-based capital ratio | 15.3537% | 3,306 |
| Memoranda: | ||
| Average total assets | $471,037,000 | 1,488 |
| Average earning assets | $425,035,250 | 1,530 |
| Average equity | $40,330,500 | 1,861 |
| Average total loans | $293,657,500 | 1,609 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,078 |
| Cost of funding earning assets | 0.4810% | 2,321 |
| Net interest margin | 3.8339% | 2,158 |
| Noninterest income to average assets | 2.1617% | 290 |
| Noninterest expense to average assets | 5.7589% | 168 |
| Loan and lease loss provision to assets | 0.3337% | 442 |
| Net operating income to assets | -0.3323% | 5,655 |
| Return on assets (ROA) | -0.3323% | 5,654 |
| Pretax return on assets | -0.4627% | 5,661 |
| Return on Equity (ROE) | -4.1432% | 5,674 |
| Retained earnings to average equity (ytd only) | -4.1432% | 5,498 |
| Net charge-offs to loans | 0.5079% | 384 |
| Credit loss provision to net charge-offs | 100.9421% | 1,995 |
| Earnings coverage of net charge-offs (x) | -0.3903% | 3,423 |
| Efficiency ratio | 101.9044% | 169 |
| Assets per employee ($millions) | 3.5705% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,648 |
| Loan loss allowance to noncurrent loans | 54.3094% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4901% | 439 |
| Noncurrent loans to loans | 1.6545% | 1,111 |
| Net loans and leases to total assets | 57.2864% | 4,096 |
| Net loans and leases to deposits | 76.5358% | 3,283 |
| Net loans and leases to core deposits | 79.0691% | 3,500 |
| Total domestic deposits to total assets | 74.8491% | 5,216 |
| Equity capital to assets | 7.1949% | 5,693 |
| Core capital (leverage) ratio | 6.2192% | 5,737 |
| Tier 1 risk-based capital ratio | 9.4105% | 5,716 |
| Total risk-based capital ratio | 10.3308% | 5,734 |
| Memoranda: | ||
| Average total assets | $449,561,330 | 1,566 |
| Average earning assets | $406,684,330 | 1,594 |
| Average equity | $36,059,330 | 2,024 |
| Average total loans | $292,587,000 | 1,607 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 1,613 |
| Cost of funding earning assets | 0.4945% | 2,134 |
| Net interest margin | 3.9168% | 1,721 |
| Noninterest income to average assets | 1.9791% | 318 |
| Noninterest expense to average assets | 6.1824% | 155 |
| Loan and lease loss provision to assets | 0.4732% | 219 |
| Net operating income to assets | -0.7837% | 5,772 |
| Return on assets (ROA) | -0.7837% | 5,771 |
| Pretax return on assets | -1.1528% | 5,780 |
| Return on Equity (ROE) | -9.2056% | 5,776 |
| Retained earnings to average equity (ytd only) | -9.2056% | 5,560 |
| Net charge-offs to loans | 0.7676% | 221 |
| Credit loss provision to net charge-offs | 88.8099% | 1,699 |
| Earnings coverage of net charge-offs (x) | -1.2753% | 2,881 |
| Efficiency ratio | 111.9367% | 109 |
| Assets per employee ($millions) | 2.7355% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 4,763 |
| Loan loss allowance to noncurrent loans | 51.0020% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.9898% | 340 |
| Noncurrent loans to loans | 1.7601% | 1,078 |
| Net loans and leases to total assets | 65.0069% | 3,117 |
| Net loans and leases to deposits | 77.9315% | 2,975 |
| Net loans and leases to core deposits | 80.2448% | 3,273 |
| Total domestic deposits to total assets | 83.4154% | 3,694 |
| Equity capital to assets | 8.2515% | 5,383 |
| Core capital (leverage) ratio | 6.5684% | 5,790 |
| Tier 1 risk-based capital ratio | 9.5964% | 5,763 |
| Total risk-based capital ratio | 10.5188% | 5,788 |
| Memoranda: | ||
| Average total assets | $422,621,500 | 1,653 |
| Average earning assets | $380,205,000 | 1,691 |
| Average equity | $35,978,000 | 2,031 |
| Average total loans | $293,371,500 | 1,616 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 890 |
| Cost of funding earning assets | 0.5683% | 1,552 |
| Net interest margin | 4.2306% | 1,052 |
| Noninterest income to average assets | 3.0890% | 190 |
| Noninterest expense to average assets | 6.1110% | 158 |
| Loan and lease loss provision to assets | 0.1834% | 1,291 |
| Net operating income to assets | 0.3703% | 5,033 |
| Return on assets (ROA) | 0.3945% | 5,039 |
| Pretax return on assets | 0.5850% | 4,826 |
| Return on Equity (ROE) | 4.6072% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.6072% | 2,632 |
| Net charge-offs to loans | 0.3204% | 855 |
| Credit loss provision to net charge-offs | 77.0378% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.0755% | 3,725 |
| Efficiency ratio | 88.9642% | 618 |
| Assets per employee ($millions) | 2.5194% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,929 |
| Loan loss allowance to noncurrent loans | 57.8271% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 3.0093% | 335 |
| Noncurrent loans to loans | 1.4873% | 1,356 |
| Net loans and leases to total assets | 72.7595% | 2,051 |
| Net loans and leases to deposits | 88.4632% | 1,869 |
| Net loans and leases to core deposits | 90.6008% | 2,444 |
| Total domestic deposits to total assets | 82.2483% | 4,007 |
| Equity capital to assets | 8.8179% | 4,994 |
| Core capital (leverage) ratio | 6.7672% | 5,826 |
| Tier 1 risk-based capital ratio | 9.7661% | 5,786 |
| Total risk-based capital ratio | 10.6805% | 5,819 |
| Memoranda: | ||
| Average total assets | $422,533,200 | 1,610 |
| Average earning assets | $374,957,600 | 1,660 |
| Average equity | $36,182,400 | 2,014 |
| Average total loans | $313,997,400 | 1,469 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7833% | 932 |
| Cost of funding earning assets | 0.5747% | 1,519 |
| Net interest margin | 4.2086% | 1,104 |
| Noninterest income to average assets | 3.2596% | 185 |
| Noninterest expense to average assets | 5.9684% | 172 |
| Loan and lease loss provision to assets | 0.1961% | 1,092 |
| Net operating income to assets | 0.5711% | 4,409 |
| Return on assets (ROA) | 0.6047% | 4,388 |
| Pretax return on assets | 0.8683% | 4,082 |
| Return on Equity (ROE) | 7.1132% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.1132% | 1,566 |
| Net charge-offs to loans | 0.3819% | 577 |
| Credit loss provision to net charge-offs | 68.9085% | 2,814 |
| Earnings coverage of net charge-offs (x) | 3.5711% | 3,394 |
| Efficiency ratio | 85.1200% | 891 |
| Assets per employee ($millions) | 2.5703% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 5,232 |
| Loan loss allowance to noncurrent loans | 47.7944% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 3.3034% | 319 |
| Noncurrent loans to loans | 1.6430% | 1,300 |
| Net loans and leases to total assets | 75.7154% | 1,571 |
| Net loans and leases to deposits | 94.2900% | 1,237 |
| Net loans and leases to core deposits | 96.7095% | 1,921 |
| Total domestic deposits to total assets | 80.3006% | 4,440 |
| Equity capital to assets | 8.7101% | 5,390 |
| Core capital (leverage) ratio | 6.7002% | 5,900 |
| Tier 1 risk-based capital ratio | 9.5206% | 5,874 |
| Total risk-based capital ratio | 10.3785% | 5,914 |
| Memoranda: | ||
| Average total assets | $424,871,000 | 1,597 |
| Average earning assets | $376,079,500 | 1,652 |
| Average equity | $36,119,500 | 2,030 |
| Average total loans | $316,687,500 | 1,466 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 872 |
| Cost of funding earning assets | 0.5731% | 1,525 |
| Net interest margin | 4.2336% | 1,051 |
| Noninterest income to average assets | 2.9411% | 211 |
| Noninterest expense to average assets | 5.8623% | 177 |
| Loan and lease loss provision to assets | 0.1414% | 1,609 |
| Net operating income to assets | 0.5176% | 4,609 |
| Return on assets (ROA) | 0.5713% | 4,522 |
| Pretax return on assets | 0.7481% | 4,463 |
| Return on Equity (ROE) | 6.7764% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.7764% | 1,726 |
| Net charge-offs to loans | 0.2646% | 912 |
| Credit loss provision to net charge-offs | 72.2892% | 2,450 |
| Earnings coverage of net charge-offs (x) | 4.1855% | 3,010 |
| Efficiency ratio | 87.3986% | 763 |
| Assets per employee ($millions) | 2.7826% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,014 |
| Loan loss allowance to noncurrent loans | 44.6192% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.3818% | 327 |
| Noncurrent loans to loans | 1.9712% | 1,011 |
| Net loans and leases to total assets | 69.8236% | 2,510 |
| Net loans and leases to deposits | 86.1439% | 2,234 |
| Net loans and leases to core deposits | 88.0971% | 2,715 |
| Total domestic deposits to total assets | 81.0546% | 4,261 |
| Equity capital to assets | 8.3057% | 5,692 |
| Core capital (leverage) ratio | 6.7039% | 5,964 |
| Tier 1 risk-based capital ratio | 9.5698% | 5,937 |
| Total risk-based capital ratio | 10.5035% | 5,971 |
| Memoranda: | ||
| Average total assets | $424,268,670 | 1,600 |
| Average earning assets | $374,811,670 | 1,665 |
| Average equity | $35,771,330 | 2,045 |
| Average total loans | $313,710,670 | 1,475 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 655 |
| Cost of funding earning assets | 0.5795% | 1,482 |
| Net interest margin | 4.3583% | 818 |
| Noninterest income to average assets | 2.6358% | 237 |
| Noninterest expense to average assets | 5.5673% | 208 |
| Loan and lease loss provision to assets | 0.1440% | 1,465 |
| Net operating income to assets | 0.6444% | 4,006 |
| Return on assets (ROA) | 0.7009% | 3,820 |
| Pretax return on assets | 0.8488% | 4,038 |
| Return on Equity (ROE) | 8.2488% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.2488% | 1,355 |
| Net charge-offs to loans | 0.0710% | 1,770 |
| Credit loss provision to net charge-offs | 267.8571% | 909 |
| Earnings coverage of net charge-offs (x) | 17.1964% | 1,585 |
| Efficiency ratio | 85.4016% | 1,032 |
| Assets per employee ($millions) | 2.7328% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,985 |
| Loan loss allowance to noncurrent loans | 52.1979% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 3.4772% | 322 |
| Noncurrent loans to loans | 1.7650% | 1,255 |
| Net loans and leases to total assets | 74.4661% | 1,652 |
| Net loans and leases to deposits | 92.4315% | 1,290 |
| Net loans and leases to core deposits | 94.5491% | 1,936 |
| Total domestic deposits to total assets | 80.5636% | 4,617 |
| Equity capital to assets | 8.4774% | 5,582 |
| Core capital (leverage) ratio | 6.6387% | 6,019 |
| Tier 1 risk-based capital ratio | 9.0902% | 6,053 |
| Total risk-based capital ratio | 10.0693% | 6,063 |
| Memoranda: | ||
| Average total assets | $416,579,000 | 1,626 |
| Average earning assets | $368,580,500 | 1,689 |
| Average equity | $35,399,000 | 2,064 |
| Average total loans | $315,715,000 | 1,462 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,700 |
| Cost of funding earning assets | 0.5947% | 1,399 |
| Net interest margin | 3.8708% | 2,132 |
| Noninterest income to average assets | 3.1939% | 190 |
| Noninterest expense to average assets | 6.1474% | 170 |
| Loan and lease loss provision to assets | -0.0746% | 5,801 |
| Net operating income to assets | 0.3453% | 5,224 |
| Return on assets (ROA) | 0.3663% | 5,243 |
| Pretax return on assets | 0.5399% | 5,016 |
| Return on Equity (ROE) | 4.2813% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.2813% | 2,928 |
| Net charge-offs to loans | -0.0974% | 5,766 |
| Credit loss provision to net charge-offs | 101.0101% | 2,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0327% | 528 |
| Assets per employee ($millions) | 2.6424% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 5,060 |
| Loan loss allowance to noncurrent loans | 62.7958% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 3.4741% | 342 |
| Noncurrent loans to loans | 1.4441% | 1,617 |
| Net loans and leases to total assets | 75.7449% | 1,459 |
| Net loans and leases to deposits | 96.0045% | 1,010 |
| Net loans and leases to core deposits | 99.1118% | 1,583 |
| Total domestic deposits to total assets | 78.8972% | 4,995 |
| Equity capital to assets | 8.5184% | 5,552 |
| Core capital (leverage) ratio | 6.5832% | 6,087 |
| Tier 1 risk-based capital ratio | 9.1193% | 6,096 |
| Total risk-based capital ratio | 10.1092% | 6,107 |
| Memoranda: | ||
| Average total assets | $401,891,600 | 1,642 |
| Average earning assets | $351,761,600 | 1,716 |
| Average equity | $34,382,000 | 2,072 |
| Average total loans | $304,900,000 | 1,456 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 1,930 |
| Cost of funding earning assets | 0.5947% | 1,439 |
| Net interest margin | 3.8010% | 2,381 |
| Noninterest income to average assets | 3.3892% | 184 |
| Noninterest expense to average assets | 6.2143% | 171 |
| Loan and lease loss provision to assets | -0.1000% | 6,000 |
| Net operating income to assets | 0.3936% | 5,183 |
| Return on assets (ROA) | 0.4180% | 5,183 |
| Pretax return on assets | 0.6294% | 4,898 |
| Return on Equity (ROE) | 4.8809% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.8809% | 2,998 |
| Net charge-offs to loans | -0.1241% | 5,865 |
| Credit loss provision to net charge-offs | 106.3830% | 2,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2958% | 554 |
| Assets per employee ($millions) | 2.3956% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 4,942 |
| Loan loss allowance to noncurrent loans | 44.9395% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.8213% | 317 |
| Noncurrent loans to loans | 2.1332% | 1,049 |
| Net loans and leases to total assets | 72.9257% | 1,917 |
| Net loans and leases to deposits | 91.7901% | 1,432 |
| Net loans and leases to core deposits | 98.1857% | 1,685 |
| Total domestic deposits to total assets | 79.4483% | 4,874 |
| Equity capital to assets | 8.7347% | 5,554 |
| Core capital (leverage) ratio | 6.5443% | 6,168 |
| Tier 1 risk-based capital ratio | 9.5539% | 6,134 |
| Total risk-based capital ratio | 10.5971% | 6,147 |
| Memoranda: | ||
| Average total assets | $399,971,500 | 1,660 |
| Average earning assets | $349,091,000 | 1,747 |
| Average equity | $34,255,250 | 2,092 |
| Average total loans | $302,857,750 | 1,465 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 2,039 |
| Cost of funding earning assets | 0.5930% | 1,463 |
| Net interest margin | 3.7486% | 2,518 |
| Noninterest income to average assets | 3.5000% | 183 |
| Noninterest expense to average assets | 6.1559% | 176 |
| Loan and lease loss provision to assets | -0.1500% | 6,133 |
| Net operating income to assets | 0.5035% | 4,753 |
| Return on assets (ROA) | 0.5396% | 4,717 |
| Pretax return on assets | 0.8246% | 4,231 |
| Return on Equity (ROE) | 6.3423% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.3423% | 2,038 |
| Net charge-offs to loans | -0.3023% | 6,122 |
| Credit loss provision to net charge-offs | 64.9351% | 2,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5004% | 714 |
| Assets per employee ($millions) | 2.4574% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 5,133 |
| Loan loss allowance to noncurrent loans | 42.6826% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 4.0900% | 323 |
| Noncurrent loans to loans | 2.2062% | 1,085 |
| Net loans and leases to total assets | 76.5433% | 1,296 |
| Net loans and leases to deposits | 96.7065% | 895 |
| Net loans and leases to core deposits | 99.5671% | 1,527 |
| Total domestic deposits to total assets | 79.1502% | 5,066 |
| Equity capital to assets | 8.3440% | 5,801 |
| Core capital (leverage) ratio | 6.3156% | 6,256 |
| Tier 1 risk-based capital ratio | 8.9871% | 6,258 |
| Total risk-based capital ratio | 10.0403% | 6,264 |
| Memoranda: | ||
| Average total assets | $399,938,670 | 1,670 |
| Average earning assets | $349,414,000 | 1,753 |
| Average equity | $34,025,330 | 2,114 |
| Average total loans | $305,617,670 | 1,452 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,613 |
| Cost of funding earning assets | 0.5936% | 1,478 |
| Net interest margin | 3.5631% | 3,157 |
| Noninterest income to average assets | 3.2469% | 203 |
| Noninterest expense to average assets | 6.1582% | 183 |
| Loan and lease loss provision to assets | -0.2033% | 6,266 |
| Net operating income to assets | 0.2768% | 5,487 |
| Return on assets (ROA) | 0.3222% | 5,441 |
| Pretax return on assets | 0.4554% | 5,299 |
| Return on Equity (ROE) | 3.7499% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.7499% | 3,757 |
| Net charge-offs to loans | -0.4108% | 6,207 |
| Credit loss provision to net charge-offs | 65.1466% | 1,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6523% | 477 |
| Assets per employee ($millions) | 3.0558% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 5,130 |
| Loan loss allowance to noncurrent loans | 41.0724% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 4.4029% | 307 |
| Noncurrent loans to loans | 2.3853% | 1,031 |
| Net loans and leases to total assets | 75.0298% | 1,349 |
| Net loans and leases to deposits | 99.1283% | 612 |
| Net loans and leases to core deposits | 101.9618% | 1,181 |
| Total domestic deposits to total assets | 75.6896% | 5,768 |
| Equity capital to assets | 8.5768% | 5,685 |
| Core capital (leverage) ratio | 6.4116% | 6,307 |
| Tier 1 risk-based capital ratio | 8.6254% | 6,334 |
| Total risk-based capital ratio | 9.6666% | 6,343 |
| Memoranda: | ||
| Average total assets | $393,489,000 | 1,701 |
| Average earning assets | $342,289,500 | 1,790 |
| Average equity | $33,814,500 | 2,135 |
| Average total loans | $298,924,500 | 1,487 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 3,690 |
| Cost of funding earning assets | 0.6353% | 1,515 |
| Net interest margin | 3.3753% | 4,297 |
| Noninterest income to average assets | 2.6740% | 218 |
| Noninterest expense to average assets | 6.5047% | 159 |
| Loan and lease loss provision to assets | 0.1504% | 1,746 |
| Net operating income to assets | -0.6081% | 6,321 |
| Return on assets (ROA) | -0.5567% | 6,309 |
| Pretax return on assets | -0.9650% | 6,365 |
| Return on Equity (ROE) | -6.2337% | 6,317 |
| Retained earnings to average equity (ytd only) | -6.2337% | 6,228 |
| Net charge-offs to loans | 0.4949% | 833 |
| Credit loss provision to net charge-offs | 43.5374% | 3,613 |
| Earnings coverage of net charge-offs (x) | -2.5911% | 4,848 |
| Efficiency ratio | 115.5046% | 154 |
| Assets per employee ($millions) | 2.4982% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,261 |
| Loan loss allowance to noncurrent loans | 35.8386% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 4.2456% | 382 |
| Noncurrent loans to loans | 2.6715% | 913 |
| Net loans and leases to total assets | 75.4378% | 1,348 |
| Net loans and leases to deposits | 100.3564% | 607 |
| Net loans and leases to core deposits | 102.9661% | 1,186 |
| Total domestic deposits to total assets | 75.1699% | 5,838 |
| Equity capital to assets | 8.6105% | 5,639 |
| Core capital (leverage) ratio | 6.8999% | 6,329 |
| Tier 1 risk-based capital ratio | 9.0310% | 6,404 |
| Total risk-based capital ratio | 10.0319% | 6,420 |
| Memoranda: | ||
| Average total assets | $382,986,000 | 1,713 |
| Average earning assets | $333,094,200 | 1,799 |
| Average equity | $34,201,200 | 2,037 |
| Average total loans | $267,305,600 | 1,590 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,902 |
| Cost of funding earning assets | 0.6428% | 1,507 |
| Net interest margin | 3.3232% | 4,527 |
| Noninterest income to average assets | 2.7974% | 209 |
| Noninterest expense to average assets | 6.6165% | 150 |
| Loan and lease loss provision to assets | 0.1542% | 1,610 |
| Net operating income to assets | -0.6367% | 6,403 |
| Return on assets (ROA) | -0.5874% | 6,388 |
| Pretax return on assets | -1.0112% | 6,448 |
| Return on Equity (ROE) | -6.5186% | 6,398 |
| Retained earnings to average equity (ytd only) | -6.5186% | 6,310 |
| Net charge-offs to loans | 0.4965% | 782 |
| Credit loss provision to net charge-offs | 45.5579% | 3,185 |
| Earnings coverage of net charge-offs (x) | -2.7593% | 4,590 |
| Efficiency ratio | 115.9867% | 159 |
| Assets per employee ($millions) | 2.1875% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 4,759 |
| Loan loss allowance to noncurrent loans | 34.9623% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 4.6825% | 384 |
| Noncurrent loans to loans | 3.1403% | 816 |
| Net loans and leases to total assets | 73.3092% | 1,625 |
| Net loans and leases to deposits | 97.1280% | 786 |
| Net loans and leases to core deposits | 99.8660% | 1,376 |
| Total domestic deposits to total assets | 75.4769% | 5,873 |
| Equity capital to assets | 8.9951% | 5,356 |
| Core capital (leverage) ratio | 7.0194% | 6,379 |
| Tier 1 risk-based capital ratio | 9.7384% | 6,399 |
| Total risk-based capital ratio | 10.8731% | 6,393 |
| Memoranda: | ||
| Average total assets | $381,302,500 | 1,733 |
| Average earning assets | $331,041,500 | 1,825 |
| Average equity | $34,362,250 | 2,032 |
| Average total loans | $259,922,500 | 1,637 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 4,321 |
| Cost of funding earning assets | 0.6439% | 1,556 |
| Net interest margin | 3.2093% | 4,910 |
| Noninterest income to average assets | 2.9505% | 192 |
| Noninterest expense to average assets | 6.6467% | 150 |
| Loan and lease loss provision to assets | 0.1520% | 1,620 |
| Net operating income to assets | -0.6288% | 6,466 |
| Return on assets (ROA) | -0.5927% | 6,462 |
| Pretax return on assets | -1.0147% | 6,509 |
| Return on Equity (ROE) | -6.5730% | 6,471 |
| Retained earnings to average equity (ytd only) | -6.5730% | 6,328 |
| Net charge-offs to loans | 0.5647% | 725 |
| Credit loss provision to net charge-offs | 40.6425% | 2,917 |
| Earnings coverage of net charge-offs (x) | -2.4581% | 4,255 |
| Efficiency ratio | 115.5999% | 180 |
| Assets per employee ($millions) | 2.1704% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 4,265 |
| Loan loss allowance to noncurrent loans | 28.3792% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 4.9880% | 365 |
| Noncurrent loans to loans | 4.3409% | 512 |
| Net loans and leases to total assets | 62.8391% | 3,266 |
| Net loans and leases to deposits | 78.6876% | 2,709 |
| Net loans and leases to core deposits | 80.9875% | 3,100 |
| Total domestic deposits to total assets | 79.8590% | 5,275 |
| Equity capital to assets | 8.5155% | 5,790 |
| Core capital (leverage) ratio | 7.4665% | 6,323 |
| Tier 1 risk-based capital ratio | 10.6647% | 6,193 |
| Total risk-based capital ratio | 11.8785% | 6,154 |
| Memoranda: | ||
| Average total assets | $382,986,670 | 1,720 |
| Average earning assets | $331,410,670 | 1,819 |
| Average equity | $34,535,000 | 2,014 |
| Average total loans | $253,600,670 | 1,675 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 4,610 |
| Cost of funding earning assets | 0.6657% | 1,471 |
| Net interest margin | 3.1030% | 5,240 |
| Noninterest income to average assets | 2.5612% | 230 |
| Noninterest expense to average assets | 6.7412% | 150 |
| Loan and lease loss provision to assets | 0.1449% | 1,684 |
| Net operating income to assets | -0.9861% | 6,571 |
| Return on assets (ROA) | -0.9414% | 6,564 |
| Pretax return on assets | -1.5683% | 6,618 |
| Return on Equity (ROE) | -10.1345% | 6,564 |
| Retained earnings to average equity (ytd only) | -10.1345% | 6,365 |
| Net charge-offs to loans | 0.4207% | 867 |
| Credit loss provision to net charge-offs | 50.9434% | 2,192 |
| Earnings coverage of net charge-offs (x) | -5.2491% | 3,578 |
| Efficiency ratio | 127.9607% | 131 |
| Assets per employee ($millions) | 2.0650% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,651 |
| Loan loss allowance to noncurrent loans | 30.9807% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 5.4233% | 358 |
| Noncurrent loans to loans | 4.4921% | 532 |
| Net loans and leases to total assets | 65.2128% | 2,691 |
| Net loans and leases to deposits | 83.1245% | 1,932 |
| Net loans and leases to core deposits | 85.9480% | 2,325 |
| Total domestic deposits to total assets | 78.4519% | 5,764 |
| Equity capital to assets | 9.1391% | 4,956 |
| Core capital (leverage) ratio | 7.8418% | 6,204 |
| Tier 1 risk-based capital ratio | 11.6596% | 5,831 |
| Total risk-based capital ratio | 12.9116% | 5,773 |
| Memoranda: | ||
| Average total assets | $372,636,000 | 1,768 |
| Average earning assets | $322,654,000 | 1,869 |
| Average equity | $34,614,500 | 2,004 |
| Average total loans | $251,982,000 | 1,687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 3,639 |
| Cost of funding earning assets | 0.7403% | 1,563 |
| Net interest margin | 3.3851% | 4,340 |
| Noninterest income to average assets | 4.7013% | 148 |
| Noninterest expense to average assets | 7.2859% | 134 |
| Loan and lease loss provision to assets | 0.3018% | 1,113 |
| Net operating income to assets | 0.1149% | 6,009 |
| Return on assets (ROA) | 0.1757% | 5,948 |
| Pretax return on assets | 0.1267% | 6,053 |
| Return on Equity (ROE) | 1.9711% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.9711% | 4,832 |
| Net charge-offs to loans | 0.6432% | 1,006 |
| Credit loss provision to net charge-offs | 67.4484% | 3,375 |
| Earnings coverage of net charge-offs (x) | 0.8219% | 4,813 |
| Efficiency ratio | 94.8777% | 707 |
| Assets per employee ($millions) | 2.0299% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 3,631 |
| Loan loss allowance to noncurrent loans | 32.6570% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 5.4517% | 399 |
| Noncurrent loans to loans | 4.3027% | 638 |
| Net loans and leases to total assets | 68.1640% | 2,327 |
| Net loans and leases to deposits | 88.6282% | 1,393 |
| Net loans and leases to core deposits | 91.6172% | 1,831 |
| Total domestic deposits to total assets | 76.9101% | 5,984 |
| Equity capital to assets | 9.4417% | 4,502 |
| Core capital (leverage) ratio | 8.1219% | 6,036 |
| Tier 1 risk-based capital ratio | 12.1465% | 5,528 |
| Total risk-based capital ratio | 13.3994% | 5,460 |
| Memoranda: | ||
| Average total assets | $400,212,000 | 1,645 |
| Average earning assets | $349,056,000 | 1,712 |
| Average equity | $35,664,800 | 1,932 |
| Average total loans | $278,447,400 | 1,514 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 4,308 |
| Cost of funding earning assets | 0.7507% | 1,605 |
| Net interest margin | 3.2016% | 4,997 |
| Noninterest income to average assets | 5.4956% | 130 |
| Noninterest expense to average assets | 7.3431% | 137 |
| Loan and lease loss provision to assets | 0.3821% | 811 |
| Net operating income to assets | 0.4212% | 5,155 |
| Return on assets (ROA) | 0.4759% | 5,059 |
| Pretax return on assets | 0.6371% | 4,892 |
| Return on Equity (ROE) | 5.4134% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.4134% | 2,789 |
| Net charge-offs to loans | 0.7769% | 763 |
| Credit loss provision to net charge-offs | 70.5918% | 3,060 |
| Earnings coverage of net charge-offs (x) | 1.7482% | 4,251 |
| Efficiency ratio | 88.2965% | 1,138 |
| Assets per employee ($millions) | 1.9604% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 3,743 |
| Loan loss allowance to noncurrent loans | 31.9379% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 5.5173% | 474 |
| Noncurrent loans to loans | 4.5035% | 717 |
| Net loans and leases to total assets | 66.7403% | 2,512 |
| Net loans and leases to deposits | 85.4717% | 1,678 |
| Net loans and leases to core deposits | 88.0826% | 2,178 |
| Total domestic deposits to total assets | 78.0847% | 5,886 |
| Equity capital to assets | 9.4514% | 4,612 |
| Core capital (leverage) ratio | 7.9134% | 6,269 |
| Tier 1 risk-based capital ratio | 12.5870% | 5,402 |
| Total risk-based capital ratio | 13.8403% | 5,343 |
| Memoranda: | ||
| Average total assets | $407,903,250 | 1,628 |
| Average earning assets | $355,941,750 | 1,699 |
| Average equity | $35,860,500 | 1,936 |
| Average total loans | $284,204,500 | 1,493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9316% | 4,350 |
| Cost of funding earning assets | 0.7605% | 1,644 |
| Net interest margin | 3.1712% | 5,042 |
| Noninterest income to average assets | 6.3200% | 112 |
| Noninterest expense to average assets | 7.2368% | 141 |
| Loan and lease loss provision to assets | 0.4515% | 642 |
| Net operating income to assets | 0.9724% | 2,454 |
| Return on assets (ROA) | 1.0418% | 2,267 |
| Pretax return on assets | 1.5033% | 1,608 |
| Return on Equity (ROE) | 12.1246% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.1246% | 471 |
| Net charge-offs to loans | 0.6882% | 953 |
| Credit loss provision to net charge-offs | 93.3663% | 2,367 |
| Earnings coverage of net charge-offs (x) | 3.8347% | 3,286 |
| Efficiency ratio | 79.3459% | 2,251 |
| Assets per employee ($millions) | 2.0746% | 6,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 3,462 |
| Loan loss allowance to noncurrent loans | 38.4040% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 5.2158% | 572 |
| Noncurrent loans to loans | 3.9704% | 984 |
| Net loans and leases to total assets | 66.9048% | 2,433 |
| Net loans and leases to deposits | 84.8508% | 1,700 |
| Net loans and leases to core deposits | 87.5533% | 2,165 |
| Total domestic deposits to total assets | 78.8499% | 5,826 |
| Equity capital to assets | 9.2827% | 4,881 |
| Core capital (leverage) ratio | 7.8527% | 6,278 |
| Tier 1 risk-based capital ratio | 12.6107% | 5,422 |
| Total risk-based capital ratio | 13.8659% | 5,357 |
| Memoranda: | ||
| Average total assets | $417,752,330 | 1,590 |
| Average earning assets | $365,039,000 | 1,659 |
| Average equity | $35,894,000 | 1,942 |
| Average total loans | $293,539,000 | 1,437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 4,510 |
| Cost of funding earning assets | 0.7573% | 1,791 |
| Net interest margin | 3.1328% | 5,150 |
| Noninterest income to average assets | 4.7225% | 157 |
| Noninterest expense to average assets | 7.1076% | 146 |
| Loan and lease loss provision to assets | 0.2614% | 1,363 |
| Net operating income to assets | 0.0564% | 6,235 |
| Return on assets (ROA) | 0.1195% | 6,205 |
| Pretax return on assets | 0.1848% | 6,105 |
| Return on Equity (ROE) | 1.4443% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.4443% | 5,263 |
| Net charge-offs to loans | 0.3180% | 1,693 |
| Credit loss provision to net charge-offs | 115.2263% | 1,642 |
| Earnings coverage of net charge-offs (x) | 1.5391% | 3,318 |
| Efficiency ratio | 95.0175% | 770 |
| Assets per employee ($millions) | 2.1847% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,938 |
| Loan loss allowance to noncurrent loans | 35.9068% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 5.7422% | 585 |
| Noncurrent loans to loans | 4.0890% | 1,086 |
| Net loans and leases to total assets | 67.6914% | 2,072 |
| Net loans and leases to deposits | 85.3913% | 1,431 |
| Net loans and leases to core deposits | 88.0097% | 1,909 |
| Total domestic deposits to total assets | 79.2720% | 5,914 |
| Equity capital to assets | 8.5186% | 6,004 |
| Core capital (leverage) ratio | 6.6385% | 6,726 |
| Tier 1 risk-based capital ratio | 10.9455% | 6,429 |
| Total risk-based capital ratio | 12.2000% | 6,398 |
| Memoranda: | ||
| Average total assets | $428,501,500 | 1,573 |
| Average earning assets | $373,978,500 | 1,636 |
| Average equity | $35,449,500 | 1,989 |
| Average total loans | $305,699,500 | 1,389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 5,437 |
| Cost of funding earning assets | 0.8734% | 2,106 |
| Net interest margin | 3.0776% | 5,866 |
| Noninterest income to average assets | 5.3506% | 134 |
| Noninterest expense to average assets | 6.7398% | 160 |
| Loan and lease loss provision to assets | 0.6431% | 832 |
| Net operating income to assets | 1.1600% | 1,738 |
| Return on assets (ROA) | 1.2841% | 1,501 |
| Pretax return on assets | 0.8006% | 4,293 |
| Return on Equity (ROE) | 16.6493% | 579 |
| Retained earnings to average equity (ytd only) | 16.6493% | 98 |
| Net charge-offs to loans | 1.2977% | 748 |
| Credit loss provision to net charge-offs | 69.5893% | 4,182 |
| Earnings coverage of net charge-offs (x) | 1.4279% | 4,738 |
| Efficiency ratio | 83.5512% | 1,683 |
| Assets per employee ($millions) | 2.4843% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 4,715 |
| Loan loss allowance to noncurrent loans | 45.5210% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 5.2821% | 717 |
| Noncurrent loans to loans | 2.8223% | 1,867 |
| Net loans and leases to total assets | 72.8993% | 1,352 |
| Net loans and leases to deposits | 95.7945% | 627 |
| Net loans and leases to core deposits | 98.5777% | 1,102 |
| Total domestic deposits to total assets | 76.0997% | 6,340 |
| Equity capital to assets | 8.0398% | 6,384 |
| Core capital (leverage) ratio | 6.7104% | 6,756 |
| Tier 1 risk-based capital ratio | 10.3241% | 6,606 |
| Total risk-based capital ratio | 11.5776% | 6,573 |
| Memoranda: | ||
| Average total assets | $410,960,000 | 1,596 |
| Average earning assets | $361,709,000 | 1,654 |
| Average equity | $31,695,000 | 2,157 |
| Average total loans | $292,666,400 | 1,433 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 5,729 |
| Cost of funding earning assets | 0.8859% | 2,267 |
| Net interest margin | 3.0363% | 6,093 |
| Noninterest income to average assets | 4.9489% | 144 |
| Noninterest expense to average assets | 6.4587% | 180 |
| Loan and lease loss provision to assets | 0.6254% | 850 |
| Net operating income to assets | 0.5002% | 4,844 |
| Return on assets (ROA) | 0.6367% | 4,457 |
| Pretax return on assets | 0.6981% | 4,868 |
| Return on Equity (ROE) | 8.3514% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.3514% | 1,462 |
| Net charge-offs to loans | 1.1059% | 919 |
| Credit loss provision to net charge-offs | 80.2202% | 3,607 |
| Earnings coverage of net charge-offs (x) | 1.5053% | 4,534 |
| Efficiency ratio | 84.5412% | 1,530 |
| Assets per employee ($millions) | 2.4828% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,552 |
| Loan loss allowance to noncurrent loans | 38.4372% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 6.0737% | 651 |
| Noncurrent loans to loans | 4.1388% | 1,209 |
| Net loans and leases to total assets | 70.8134% | 1,758 |
| Net loans and leases to deposits | 91.3345% | 1,026 |
| Net loans and leases to core deposits | 94.2927% | 1,560 |
| Total domestic deposits to total assets | 77.5320% | 6,159 |
| Equity capital to assets | 7.5658% | 6,759 |
| Core capital (leverage) ratio | 6.8007% | 6,831 |
| Tier 1 risk-based capital ratio | 10.1300% | 6,768 |
| Total risk-based capital ratio | 11.3873% | 6,742 |
| Memoranda: | ||
| Average total assets | $403,768,250 | 1,635 |
| Average earning assets | $356,830,500 | 1,693 |
| Average equity | $30,780,500 | 2,229 |
| Average total loans | $284,650,500 | 1,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 5,622 |
| Cost of funding earning assets | 0.9061% | 2,348 |
| Net interest margin | 3.1000% | 6,009 |
| Noninterest income to average assets | 4.2980% | 163 |
| Noninterest expense to average assets | 6.2398% | 199 |
| Loan and lease loss provision to assets | 0.6169% | 947 |
| Net operating income to assets | 0.1605% | 6,022 |
| Return on assets (ROA) | 0.3472% | 5,667 |
| Pretax return on assets | 0.3951% | 5,722 |
| Return on Equity (ROE) | 4.5428% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.5428% | 3,585 |
| Net charge-offs to loans | 1.1682% | 927 |
| Credit loss provision to net charge-offs | 75.4624% | 3,446 |
| Earnings coverage of net charge-offs (x) | 0.9784% | 4,543 |
| Efficiency ratio | 88.5452% | 1,186 |
| Assets per employee ($millions) | 2.4988% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 2,404 |
| Loan loss allowance to noncurrent loans | 31.8185% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 6.6777% | 605 |
| Noncurrent loans to loans | 6.1014% | 712 |
| Net loans and leases to total assets | 63.0598% | 3,220 |
| Net loans and leases to deposits | 80.3701% | 2,334 |
| Net loans and leases to core deposits | 82.7844% | 2,856 |
| Total domestic deposits to total assets | 78.4618% | 6,066 |
| Equity capital to assets | 7.7907% | 6,678 |
| Core capital (leverage) ratio | 6.6068% | 6,905 |
| Tier 1 risk-based capital ratio | 10.5095% | 6,689 |
| Total risk-based capital ratio | 11.7685% | 6,672 |
| Memoranda: | ||
| Average total assets | $396,839,330 | 1,669 |
| Average earning assets | $350,963,670 | 1,716 |
| Average equity | $30,333,670 | 2,240 |
| Average total loans | $277,700,000 | 1,514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 5,566 |
| Cost of funding earning assets | 0.9182% | 2,540 |
| Net interest margin | 3.1456% | 5,915 |
| Noninterest income to average assets | 4.1482% | 161 |
| Noninterest expense to average assets | 6.2083% | 187 |
| Loan and lease loss provision to assets | 0.6796% | 781 |
| Net operating income to assets | 0.0404% | 6,352 |
| Return on assets (ROA) | 0.1981% | 6,139 |
| Pretax return on assets | 0.2524% | 6,078 |
| Return on Equity (ROE) | 2.6161% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.6161% | 4,952 |
| Net charge-offs to loans | 0.8177% | 1,256 |
| Credit loss provision to net charge-offs | 114.1892% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.2264% | 3,726 |
| Efficiency ratio | 89.3928% | 1,145 |
| Assets per employee ($millions) | 2.7776% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,484 |
| Loan loss allowance to noncurrent loans | 37.2864% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 6.4780% | 697 |
| Noncurrent loans to loans | 5.2590% | 1,037 |
| Net loans and leases to total assets | 68.1117% | 2,093 |
| Net loans and leases to deposits | 86.5980% | 1,339 |
| Net loans and leases to core deposits | 89.4632% | 1,907 |
| Total domestic deposits to total assets | 78.6528% | 6,155 |
| Equity capital to assets | 7.6001% | 6,742 |
| Core capital (leverage) ratio | 6.4841% | 6,972 |
| Tier 1 risk-based capital ratio | 9.9358% | 6,893 |
| Total risk-based capital ratio | 11.1969% | 6,891 |
| Memoranda: | ||
| Average total assets | $397,856,000 | 1,672 |
| Average earning assets | $352,876,000 | 1,719 |
| Average equity | $30,121,500 | 2,256 |
| Average total loans | $289,603,500 | 1,468 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 6,248 |
| Cost of funding earning assets | 1.1241% | 2,508 |
| Net interest margin | 2.9931% | 6,539 |
| Noninterest income to average assets | 2.5313% | 262 |
| Noninterest expense to average assets | 5.1963% | 332 |
| Loan and lease loss provision to assets | 1.9347% | 320 |
| Net operating income to assets | -1.9368% | 7,019 |
| Return on assets (ROA) | -1.7694% | 6,996 |
| Pretax return on assets | -1.7646% | 6,963 |
| Return on Equity (ROE) | -22.9425% | 7,026 |
| Retained earnings to average equity (ytd only) | -22.9425% | 7,013 |
| Net charge-offs to loans | 3.8545% | 171 |
| Credit loss provision to net charge-offs | 69.4189% | 4,870 |
| Earnings coverage of net charge-offs (x) | 0.0010% | 5,821 |
| Efficiency ratio | 99.8226% | 679 |
| Assets per employee ($millions) | 2.8264% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 2,997 |
| Loan loss allowance to noncurrent loans | 28.8867% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 7.1519% | 638 |
| Noncurrent loans to loans | 6.0809% | 807 |
| Net loans and leases to total assets | 74.7602% | 1,133 |
| Net loans and leases to deposits | 102.8728% | 340 |
| Net loans and leases to core deposits | 107.0096% | 755 |
| Total domestic deposits to total assets | 72.6725% | 6,835 |
| Equity capital to assets | 7.5419% | 6,793 |
| Core capital (leverage) ratio | 6.5633% | 6,969 |
| Tier 1 risk-based capital ratio | 9.4340% | 6,974 |
| Total risk-based capital ratio | 10.6933% | 6,966 |
| Memoranda: | ||
| Average total assets | $390,237,200 | 1,658 |
| Average earning assets | $347,829,400 | 1,711 |
| Average equity | $30,097,000 | 2,193 |
| Average total loans | $282,162,400 | 1,508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 6,484 |
| Cost of funding earning assets | 1.1838% | 2,423 |
| Net interest margin | 2.8784% | 6,783 |
| Noninterest income to average assets | 2.2131% | 324 |
| Noninterest expense to average assets | 5.4295% | 269 |
| Loan and lease loss provision to assets | 2.1389% | 238 |
| Net operating income to assets | -2.7977% | 7,247 |
| Return on assets (ROA) | -2.5734% | 7,230 |
| Pretax return on assets | -2.5669% | 7,219 |
| Return on Equity (ROE) | -33.1783% | 7,218 |
| Retained earnings to average equity (ytd only) | -33.1783% | 7,211 |
| Net charge-offs to loans | 4.9617% | 98 |
| Credit loss provision to net charge-offs | 60.4328% | 4,803 |
| Earnings coverage of net charge-offs (x) | -0.1843% | 5,713 |
| Efficiency ratio | 113.5174% | 381 |
| Assets per employee ($millions) | 2.4310% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 3,281 |
| Loan loss allowance to noncurrent loans | 20.6816% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 8.4872% | 492 |
| Noncurrent loans to loans | 8.2065% | 524 |
| Net loans and leases to total assets | 71.2573% | 1,854 |
| Net loans and leases to deposits | 92.5064% | 969 |
| Net loans and leases to core deposits | 97.3907% | 1,483 |
| Total domestic deposits to total assets | 77.0296% | 6,376 |
| Equity capital to assets | 7.9347% | 6,738 |
| Core capital (leverage) ratio | 6.3196% | 7,097 |
| Tier 1 risk-based capital ratio | 9.5925% | 7,039 |
| Total risk-based capital ratio | 10.8505% | 7,038 |
| Memoranda: | ||
| Average total assets | $388,166,000 | 1,682 |
| Average earning assets | $345,783,500 | 1,726 |
| Average equity | $30,107,250 | 2,192 |
| Average total loans | $276,887,250 | 1,551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 6,590 |
| Cost of funding earning assets | 1.2411% | 2,313 |
| Net interest margin | 2.8017% | 6,922 |
| Noninterest income to average assets | 2.3142% | 298 |
| Noninterest expense to average assets | 5.3576% | 289 |
| Loan and lease loss provision to assets | 2.1130% | 282 |
| Net operating income to assets | -2.6663% | 7,281 |
| Return on assets (ROA) | -2.5286% | 7,268 |
| Pretax return on assets | -2.5190% | 7,250 |
| Return on Equity (ROE) | -32.8391% | 7,270 |
| Retained earnings to average equity (ytd only) | -32.8391% | 7,262 |
| Net charge-offs to loans | 5.6160% | 99 |
| Credit loss provision to net charge-offs | 53.0154% | 4,509 |
| Earnings coverage of net charge-offs (x) | -0.1364% | 5,370 |
| Efficiency ratio | 111.1580% | 459 |
| Assets per employee ($millions) | 2.7099% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 2,751 |
| Loan loss allowance to noncurrent loans | 20.7398% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 7.8935% | 597 |
| Noncurrent loans to loans | 9.0415% | 458 |
| Net loans and leases to total assets | 65.2601% | 3,193 |
| Net loans and leases to deposits | 83.1513% | 2,244 |
| Net loans and leases to core deposits | 88.8423% | 2,520 |
| Total domestic deposits to total assets | 78.4836% | 6,194 |
| Equity capital to assets | 8.0574% | 6,634 |
| Core capital (leverage) ratio | 6.7146% | 7,075 |
| Tier 1 risk-based capital ratio | 9.8580% | 7,019 |
| Total risk-based capital ratio | 11.1155% | 7,016 |
| Memoranda: | ||
| Average total assets | $393,572,000 | 1,669 |
| Average earning assets | $351,139,330 | 1,707 |
| Average equity | $30,305,330 | 2,167 |
| Average total loans | $279,311,000 | 1,553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 6,472 |
| Cost of funding earning assets | 1.3483% | 1,894 |
| Net interest margin | 2.7701% | 6,949 |
| Noninterest income to average assets | 2.3825% | 288 |
| Noninterest expense to average assets | 5.6485% | 236 |
| Loan and lease loss provision to assets | 2.4940% | 202 |
| Net operating income to assets | -3.3079% | 7,415 |
| Return on assets (ROA) | -3.1617% | 7,409 |
| Pretax return on assets | -3.1433% | 7,388 |
| Return on Equity (ROE) | -42.0544% | 7,382 |
| Retained earnings to average equity (ytd only) | -42.0544% | 7,364 |
| Net charge-offs to loans | 8.6227% | 49 |
| Credit loss provision to net charge-offs | 39.4916% | 3,960 |
| Earnings coverage of net charge-offs (x) | -0.1260% | 4,656 |
| Efficiency ratio | 116.2663% | 392 |
| Assets per employee ($millions) | 2.4393% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 2,913 |
| Loan loss allowance to noncurrent loans | 17.7204% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 8.1666% | 573 |
| Noncurrent loans to loans | 10.3432% | 375 |
| Net loans and leases to total assets | 66.6312% | 2,850 |
| Net loans and leases to deposits | 84.4516% | 1,961 |
| Net loans and leases to core deposits | 90.0891% | 2,336 |
| Total domestic deposits to total assets | 78.8986% | 6,219 |
| Equity capital to assets | 7.3036% | 6,968 |
| Core capital (leverage) ratio | 6.1333% | 7,227 |
| Tier 1 risk-based capital ratio | 9.2835% | 7,190 |
| Total risk-based capital ratio | 10.5416% | 7,189 |
| Memoranda: | ||
| Average total assets | $391,182,000 | 1,685 |
| Average earning assets | $348,871,500 | 1,724 |
| Average equity | $29,409,500 | 2,210 |
| Average total loans | $286,500,000 | 1,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 6,206 |
| Cost of funding earning assets | 1.6084% | 2,023 |
| Net interest margin | 2.9551% | 6,812 |
| Noninterest income to average assets | 2.4663% | 285 |
| Noninterest expense to average assets | 5.0908% | 391 |
| Loan and lease loss provision to assets | 2.9926% | 321 |
| Net operating income to assets | -2.1944% | 7,107 |
| Return on assets (ROA) | -2.1058% | 7,097 |
| Pretax return on assets | -2.8599% | 7,262 |
| Return on Equity (ROE) | -24.4657% | 7,123 |
| Retained earnings to average equity (ytd only) | -24.4657% | 7,102 |
| Net charge-offs to loans | 3.7358% | 361 |
| Credit loss provision to net charge-offs | 106.7704% | 4,174 |
| Earnings coverage of net charge-offs (x) | 0.0047% | 6,124 |
| Efficiency ratio | 99.6263% | 787 |
| Assets per employee ($millions) | 2.3186% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8391% | 1,011 |
| Loan loss allowance to noncurrent loans | 27.5109% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 9.6840% | 434 |
| Noncurrent loans to loans | 10.3197% | 398 |
| Net loans and leases to total assets | 76.4794% | 1,185 |
| Net loans and leases to deposits | 99.1423% | 629 |
| Net loans and leases to core deposits | 108.7657% | 1,000 |
| Total domestic deposits to total assets | 77.1410% | 6,463 |
| Equity capital to assets | 7.7370% | 6,724 |
| Core capital (leverage) ratio | 6.2475% | 7,253 |
| Tier 1 risk-based capital ratio | 9.4944% | 7,139 |
| Total risk-based capital ratio | 10.7688% | 7,143 |
| Memoranda: | ||
| Average total assets | $419,461,200 | 1,582 |
| Average earning assets | $374,402,200 | 1,609 |
| Average equity | $36,103,600 | 1,830 |
| Average total loans | $314,712,000 | 1,424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 6,359 |
| Cost of funding earning assets | 1.6522% | 2,093 |
| Net interest margin | 2.9385% | 6,949 |
| Noninterest income to average assets | 2.2005% | 330 |
| Noninterest expense to average assets | 4.7329% | 477 |
| Loan and lease loss provision to assets | 1.7031% | 748 |
| Net operating income to assets | -1.0751% | 6,935 |
| Return on assets (ROA) | -0.9702% | 6,926 |
| Pretax return on assets | -1.4536% | 7,035 |
| Return on Equity (ROE) | -11.0199% | 6,967 |
| Retained earnings to average equity (ytd only) | -11.0199% | 6,924 |
| Net charge-offs to loans | 3.1959% | 458 |
| Credit loss provision to net charge-offs | 71.8269% | 5,367 |
| Earnings coverage of net charge-offs (x) | 0.0392% | 5,991 |
| Efficiency ratio | 97.9514% | 819 |
| Assets per employee ($millions) | 2.5648% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 2,645 |
| Loan loss allowance to noncurrent loans | 22.6346% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 7.8629% | 646 |
| Noncurrent loans to loans | 8.1500% | 623 |
| Net loans and leases to total assets | 75.0403% | 1,578 |
| Net loans and leases to deposits | 98.2692% | 778 |
| Net loans and leases to core deposits | 106.7856% | 1,253 |
| Total domestic deposits to total assets | 76.3621% | 6,591 |
| Equity capital to assets | 9.0071% | 5,570 |
| Core capital (leverage) ratio | 7.7021% | 6,672 |
| Tier 1 risk-based capital ratio | 11.4119% | 6,009 |
| Total risk-based capital ratio | 12.6713% | 5,985 |
| Memoranda: | ||
| Average total assets | $427,525,250 | 1,577 |
| Average earning assets | $381,949,750 | 1,601 |
| Average equity | $37,640,000 | 1,769 |
| Average total loans | $317,193,750 | 1,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 6,608 |
| Cost of funding earning assets | 1.7212% | 2,008 |
| Net interest margin | 2.8224% | 7,119 |
| Noninterest income to average assets | 1.8590% | 391 |
| Noninterest expense to average assets | 4.4621% | 601 |
| Loan and lease loss provision to assets | 1.7593% | 703 |
| Net operating income to assets | -1.2145% | 7,036 |
| Return on assets (ROA) | -1.0622% | 6,988 |
| Pretax return on assets | -1.6048% | 7,116 |
| Return on Equity (ROE) | -12.1515% | 7,046 |
| Retained earnings to average equity (ytd only) | -12.1515% | 7,004 |
| Net charge-offs to loans | 3.8260% | 354 |
| Credit loss provision to net charge-offs | 62.5675% | 5,144 |
| Earnings coverage of net charge-offs (x) | -0.0271% | 5,745 |
| Efficiency ratio | 101.6041% | 746 |
| Assets per employee ($millions) | 2.7910% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 2,958 |
| Loan loss allowance to noncurrent loans | 25.3298% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 6.7608% | 800 |
| Noncurrent loans to loans | 6.8401% | 849 |
| Net loans and leases to total assets | 73.4738% | 2,039 |
| Net loans and leases to deposits | 94.6231% | 1,200 |
| Net loans and leases to core deposits | 104.8323% | 1,555 |
| Total domestic deposits to total assets | 77.6489% | 6,353 |
| Equity capital to assets | 8.5986% | 6,016 |
| Core capital (leverage) ratio | 7.6476% | 6,681 |
| Tier 1 risk-based capital ratio | 11.3583% | 5,900 |
| Total risk-based capital ratio | 12.6119% | 5,880 |
| Memoranda: | ||
| Average total assets | $434,955,670 | 1,567 |
| Average earning assets | $389,389,670 | 1,588 |
| Average equity | $38,020,000 | 1,752 |
| Average total loans | $319,657,000 | 1,429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 6,727 |
| Cost of funding earning assets | 1.8277% | 1,760 |
| Net interest margin | 2.7039% | 7,298 |
| Noninterest income to average assets | 1.9171% | 358 |
| Noninterest expense to average assets | 4.3636% | 668 |
| Loan and lease loss provision to assets | 1.1135% | 1,101 |
| Net operating income to assets | -0.7522% | 6,989 |
| Return on assets (ROA) | -0.5851% | 6,918 |
| Pretax return on assets | -0.8804% | 6,993 |
| Return on Equity (ROE) | -6.6406% | 6,964 |
| Retained earnings to average equity (ytd only) | -6.6406% | 6,704 |
| Net charge-offs to loans | 3.9310% | 338 |
| Credit loss provision to net charge-offs | 38.8765% | 4,662 |
| Earnings coverage of net charge-offs (x) | -0.0070% | 5,029 |
| Efficiency ratio | 100.3368% | 826 |
| Assets per employee ($millions) | 2.8697% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 2,320 |
| Loan loss allowance to noncurrent loans | 28.7957% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 5.9154% | 1,027 |
| Noncurrent loans to loans | 6.7634% | 905 |
| Net loans and leases to total assets | 68.5825% | 3,260 |
| Net loans and leases to deposits | 90.4623% | 1,834 |
| Net loans and leases to core deposits | 101.7309% | 1,945 |
| Total domestic deposits to total assets | 75.8134% | 6,790 |
| Equity capital to assets | 8.7932% | 5,564 |
| Core capital (leverage) ratio | 8.7416% | 4,951 |
| Tier 1 risk-based capital ratio | 13.2100% | 4,204 |
| Total risk-based capital ratio | 14.4704% | 4,148 |
| Memoranda: | ||
| Average total assets | $437,527,000 | 1,601 |
| Average earning assets | $392,617,000 | 1,614 |
| Average equity | $38,551,000 | 1,744 |
| Average total loans | $318,801,500 | 1,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 7,070 |
| Cost of funding earning assets | 2.1659% | 2,164 |
| Net interest margin | 2.5770% | 7,354 |
| Noninterest income to average assets | 3.3204% | 205 |
| Noninterest expense to average assets | 5.4158% | 408 |
| Loan and lease loss provision to assets | 1.9393% | 1,140 |
| Net operating income to assets | -1.1035% | 6,643 |
| Return on assets (ROA) | -1.1513% | 6,684 |
| Pretax return on assets | -1.7088% | 6,825 |
| Return on Equity (ROE) | -14.0468% | 6,881 |
| Retained earnings to average equity (ytd only) | -14.0468% | 6,821 |
| Net charge-offs to loans | 1.4557% | 1,724 |
| Credit loss provision to net charge-offs | 175.0000% | 2,398 |
| Earnings coverage of net charge-offs (x) | 0.2724% | 5,841 |
| Efficiency ratio | 94.5504% | 1,376 |
| Assets per employee ($millions) | 2.9257% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3630% | 1,397 |
| Loan loss allowance to noncurrent loans | 40.3461% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 5.0741% | 1,204 |
| Noncurrent loans to loans | 5.8568% | 1,071 |
| Net loans and leases to total assets | 73.9761% | 2,278 |
| Net loans and leases to deposits | 97.5698% | 1,151 |
| Net loans and leases to core deposits | 129.9373% | 1,294 |
| Total domestic deposits to total assets | 75.8186% | 6,713 |
| Equity capital to assets | 8.8289% | 5,384 |
| Core capital (leverage) ratio | 8.5622% | 5,168 |
| Tier 1 risk-based capital ratio | 12.8591% | 4,238 |
| Total risk-based capital ratio | 14.1262% | 4,181 |
| Memoranda: | ||
| Average total assets | $442,893,200 | 1,572 |
| Average earning assets | $411,986,000 | 1,540 |
| Average equity | $36,300,200 | 1,856 |
| Average total loans | $337,165,800 | 1,430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 7,193 |
| Cost of funding earning assets | 2.2071% | 2,380 |
| Net interest margin | 2.5497% | 7,405 |
| Noninterest income to average assets | 3.5520% | 181 |
| Noninterest expense to average assets | 5.3082% | 402 |
| Loan and lease loss provision to assets | 1.5850% | 1,195 |
| Net operating income to assets | -0.6764% | 6,583 |
| Return on assets (ROA) | -0.5094% | 6,435 |
| Pretax return on assets | -0.7143% | 6,494 |
| Return on Equity (ROE) | -6.3361% | 6,589 |
| Retained earnings to average equity (ytd only) | -6.3361% | 6,426 |
| Net charge-offs to loans | 1.4553% | 1,416 |
| Credit loss provision to net charge-offs | 142.8920% | 3,425 |
| Earnings coverage of net charge-offs (x) | 0.5730% | 5,460 |
| Efficiency ratio | 89.1455% | 1,772 |
| Assets per employee ($millions) | 3.0788% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 2,372 |
| Loan loss allowance to noncurrent loans | 36.5343% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 3.5227% | 1,882 |
| Noncurrent loans to loans | 4.8559% | 1,394 |
| Net loans and leases to total assets | 68.5992% | 3,823 |
| Net loans and leases to deposits | 89.4231% | 2,692 |
| Net loans and leases to core deposits | 126.3911% | 1,705 |
| Total domestic deposits to total assets | 76.7131% | 6,420 |
| Equity capital to assets | 8.7678% | 5,857 |
| Core capital (leverage) ratio | 8.3250% | 5,799 |
| Tier 1 risk-based capital ratio | 13.0980% | 4,123 |
| Total risk-based capital ratio | 14.3556% | 4,051 |
| Memoranda: | ||
| Average total assets | $443,903,000 | 1,575 |
| Average earning assets | $416,399,750 | 1,532 |
| Average equity | $35,688,750 | 1,910 |
| Average total loans | $338,331,250 | 1,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 7,225 |
| Cost of funding earning assets | 2.2466% | 2,595 |
| Net interest margin | 2.5546% | 7,410 |
| Noninterest income to average assets | 3.7537% | 173 |
| Noninterest expense to average assets | 5.3668% | 410 |
| Loan and lease loss provision to assets | 0.9155% | 1,842 |
| Net operating income to assets | -0.0809% | 5,978 |
| Return on assets (ROA) | 0.3131% | 4,948 |
| Pretax return on assets | 0.4752% | 4,700 |
| Return on Equity (ROE) | 4.0238% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.0238% | 3,044 |
| Net charge-offs to loans | 0.9315% | 1,854 |
| Credit loss provision to net charge-offs | 125.2348% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.0858% | 4,699 |
| Efficiency ratio | 86.9594% | 2,124 |
| Assets per employee ($millions) | 3.3522% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,725 |
| Loan loss allowance to noncurrent loans | 32.2510% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 3.2151% | 1,951 |
| Noncurrent loans to loans | 3.8240% | 1,786 |
| Net loans and leases to total assets | 76.4992% | 2,057 |
| Net loans and leases to deposits | 98.1734% | 1,495 |
| Net loans and leases to core deposits | 146.2427% | 750 |
| Total domestic deposits to total assets | 77.9226% | 6,093 |
| Equity capital to assets | 7.0363% | 7,595 |
| Core capital (leverage) ratio | 7.3483% | 7,192 |
| Tier 1 risk-based capital ratio | 10.3446% | 6,540 |
| Total risk-based capital ratio | 11.5915% | 6,480 |
| Memoranda: | ||
| Average total assets | $436,905,330 | 1,619 |
| Average earning assets | $411,647,670 | 1,580 |
| Average equity | $33,998,000 | 1,993 |
| Average total loans | $342,883,330 | 1,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 6,841 |
| Cost of funding earning assets | 2.3928% | 2,322 |
| Net interest margin | 2.6435% | 7,306 |
| Noninterest income to average assets | 3.6355% | 177 |
| Noninterest expense to average assets | 5.0087% | 483 |
| Loan and lease loss provision to assets | 1.1422% | 1,139 |
| Net operating income to assets | -0.0127% | 6,277 |
| Return on assets (ROA) | 0.5062% | 4,581 |
| Pretax return on assets | 0.7669% | 4,198 |
| Return on Equity (ROE) | 6.1642% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.1642% | 2,559 |
| Net charge-offs to loans | 0.8129% | 1,594 |
| Credit loss provision to net charge-offs | 177.6946% | 2,440 |
| Earnings coverage of net charge-offs (x) | 1.7470% | 3,860 |
| Efficiency ratio | 81.5129% | 2,606 |
| Assets per employee ($millions) | 3.0454% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 3,551 |
| Loan loss allowance to noncurrent loans | 33.3168% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 3.6051% | 1,475 |
| Noncurrent loans to loans | 4.1752% | 1,425 |
| Net loans and leases to total assets | 76.4245% | 2,178 |
| Net loans and leases to deposits | 100.8808% | 1,294 |
| Net loans and leases to core deposits | 154.2314% | 594 |
| Total domestic deposits to total assets | 75.7572% | 6,563 |
| Equity capital to assets | 7.8346% | 7,027 |
| Core capital (leverage) ratio | 7.6960% | 6,895 |
| Tier 1 risk-based capital ratio | 10.3988% | 6,496 |
| Total risk-based capital ratio | 11.6546% | 6,400 |
| Memoranda: | ||
| Average total assets | $415,679,000 | 1,710 |
| Average earning assets | $392,509,000 | 1,666 |
| Average equity | $34,132,500 | 1,992 |
| Average total loans | $328,683,000 | 1,529 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0144% | 5,483 |
| Cost of funding earning assets | 2.8838% | 2,334 |
| Net interest margin | 3.1306% | 6,562 |
| Noninterest income to average assets | 2.3717% | 271 |
| Noninterest expense to average assets | 5.0890% | 597 |
| Loan and lease loss provision to assets | 0.9292% | 1,598 |
| Net operating income to assets | -0.4228% | 6,848 |
| Return on assets (ROA) | -0.4049% | 6,706 |
| Pretax return on assets | -0.6546% | 6,774 |
| Return on Equity (ROE) | -5.1319% | 6,878 |
| Retained earnings to average equity (ytd only) | -5.1319% | 6,530 |
| Net charge-offs to loans | 0.9043% | 1,370 |
| Credit loss provision to net charge-offs | 129.4054% | 4,119 |
| Earnings coverage of net charge-offs (x) | 0.3434% | 6,025 |
| Efficiency ratio | 95.1118% | 1,213 |
| Assets per employee ($millions) | 2.5540% | 7,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 3,742 |
| Loan loss allowance to noncurrent loans | 43.6957% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.5074% | 1,932 |
| Noncurrent loans to loans | 2.9880% | 1,797 |
| Net loans and leases to total assets | 79.7422% | 1,714 |
| Net loans and leases to deposits | 108.7054% | 921 |
| Net loans and leases to core deposits | 156.0428% | 665 |
| Total domestic deposits to total assets | 73.3562% | 6,761 |
| Equity capital to assets | 8.6256% | 5,891 |
| Core capital (leverage) ratio | 8.4479% | 5,661 |
| Tier 1 risk-based capital ratio | 10.5902% | 6,115 |
| Total risk-based capital ratio | 11.8446% | 6,010 |
| Memoranda: | ||
| Average total assets | $386,478,600 | 1,753 |
| Average earning assets | $365,906,800 | 1,699 |
| Average equity | $30,495,800 | 2,216 |
| Average total loans | $306,882,000 | 1,579 |