Home > Community Savings Bank > Performance and Condition Ratios
Community Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,373 |
| Cost of funding earning assets | 1.9132% | 2,169 |
| Net interest margin | 1.7997% | 4,343 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 2.5934% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.6169% | 4,326 |
| Return on assets (ROA) | -0.6169% | 4,354 |
| Pretax return on assets | -0.7943% | 4,375 |
| Return on Equity (ROE) | -5.5200% | 4,337 |
| Retained earnings to average equity (ytd only) | -5.5153% | 4,101 |
| Net charge-offs to loans | -0.0053% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 143.9935% | 84 |
| Assets per employee ($millions) | 7.1612% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 3,487 |
| Loan loss allowance to noncurrent loans | 507.1090% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 2,988 |
| Noncurrent loans to loans | 0.1850% | 2,837 |
| Net loans and leases to total assets | 55.3700% | 3,252 |
| Net loans and leases to deposits | 62.5848% | 3,345 |
| Net loans and leases to core deposits | 68.8101% | 3,348 |
| Total domestic deposits to total assets | 88.4700% | 1,391 |
| Equity capital to assets | 11.4091% | 1,458 |
| Core capital (leverage) ratio | 14.0892% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $410,419,000 | 2,043 |
| Average earning assets | $384,060,500 | 2,024 |
| Average equity | $45,908,500 | 1,864 |
| Average total loans | $228,215,000 | 2,234 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,401 |
| Cost of funding earning assets | 2.0857% | 2,013 |
| Net interest margin | 1.5097% | 4,375 |
| Noninterest income to average assets | 0.1100% | 4,166 |
| Noninterest expense to average assets | 2.3989% | 2,575 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | -0.7113% | 4,376 |
| Return on assets (ROA) | -0.7113% | 4,406 |
| Pretax return on assets | -0.8856% | 4,412 |
| Return on Equity (ROE) | -6.5400% | 4,380 |
| Retained earnings to average equity (ytd only) | -6.5381% | 4,335 |
| Net charge-offs to loans | 0.0094% | 2,561 |
| Credit loss provision to net charge-offs | 280.9524% | 916 |
| Earnings coverage of net charge-offs (x) | -176.8095% | 4,506 |
| Efficiency ratio | 157.3702% | 71 |
| Assets per employee ($millions) | 7.2394% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 3,538 |
| Loan loss allowance to noncurrent loans | 629.9703% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,104 |
| Noncurrent loans to loans | 0.1476% | 2,936 |
| Net loans and leases to total assets | 54.8100% | 3,351 |
| Net loans and leases to deposits | 61.6953% | 3,450 |
| Net loans and leases to core deposits | 67.4342% | 3,465 |
| Total domestic deposits to total assets | 88.8400% | 1,217 |
| Equity capital to assets | 10.9648% | 1,599 |
| Core capital (leverage) ratio | 14.1018% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $424,577,200 | 1,975 |
| Average earning assets | $397,901,400 | 1,958 |
| Average equity | $46,191,000 | 1,806 |
| Average total loans | $223,643,000 | 2,217 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,435 |
| Cost of funding earning assets | 2.0702% | 2,046 |
| Net interest margin | 1.5018% | 4,408 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 2.3907% | 2,551 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | -0.6970% | 4,410 |
| Return on assets (ROA) | -0.6970% | 4,439 |
| Pretax return on assets | -0.8944% | 4,450 |
| Return on Equity (ROE) | -6.4200% | 4,414 |
| Retained earnings to average equity (ytd only) | -6.4185% | 4,371 |
| Net charge-offs to loans | 0.0132% | 2,165 |
| Credit loss provision to net charge-offs | 268.1818% | 907 |
| Earnings coverage of net charge-offs (x) | -127.9545% | 4,534 |
| Efficiency ratio | 158.0293% | 71 |
| Assets per employee ($millions) | 7.3613% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 3,532 |
| Loan loss allowance to noncurrent loans | 252.3187% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 2,461 |
| Noncurrent loans to loans | 0.3719% | 2,161 |
| Net loans and leases to total assets | 53.3900% | 3,457 |
| Net loans and leases to deposits | 62.1126% | 3,470 |
| Net loans and leases to core deposits | 67.7951% | 3,499 |
| Total domestic deposits to total assets | 85.9600% | 1,948 |
| Equity capital to assets | 11.4906% | 1,483 |
| Core capital (leverage) ratio | 14.1023% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $427,537,500 | 1,961 |
| Average earning assets | $400,844,250 | 1,945 |
| Average equity | $46,427,250 | 1,799 |
| Average total loans | $222,481,250 | 2,211 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 4,444 |
| Cost of funding earning assets | 2.0216% | 2,071 |
| Net interest margin | 1.5453% | 4,426 |
| Noninterest income to average assets | 0.1100% | 4,190 |
| Noninterest expense to average assets | 2.3664% | 2,618 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | -0.6420% | 4,428 |
| Return on assets (ROA) | -0.6420% | 4,457 |
| Pretax return on assets | -0.8248% | 4,464 |
| Return on Equity (ROE) | -6.0300% | 4,426 |
| Retained earnings to average equity (ytd only) | -6.0264% | 4,345 |
| Net charge-offs to loans | 0.0009% | 2,578 |
| Credit loss provision to net charge-offs | 2,800.0000% | 183 |
| Earnings coverage of net charge-offs (x) | -1,749.0000% | 4,565 |
| Efficiency ratio | 152.3496% | 78 |
| Assets per employee ($millions) | 7.4161% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,547 |
| Loan loss allowance to noncurrent loans | 379.8561% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,773 |
| Noncurrent loans to loans | 0.2479% | 2,490 |
| Net loans and leases to total assets | 52.5700% | 3,505 |
| Net loans and leases to deposits | 61.4723% | 3,500 |
| Net loans and leases to core deposits | 66.4598% | 3,525 |
| Total domestic deposits to total assets | 85.5100% | 2,145 |
| Equity capital to assets | 10.6949% | 1,702 |
| Core capital (leverage) ratio | 14.0581% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $430,185,333 | 1,954 |
| Average earning assets | $403,039,000 | 1,931 |
| Average equity | $45,831,667 | 1,796 |
| Average total loans | $221,254,667 | 2,210 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 4,470 |
| Cost of funding earning assets | 1.9796% | 2,041 |
| Net interest margin | 1.5218% | 4,457 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 2.3433% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.6379% | 4,483 |
| Return on assets (ROA) | -0.6379% | 4,469 |
| Pretax return on assets | -0.8195% | 4,479 |
| Return on Equity (ROE) | -6.0000% | 4,440 |
| Retained earnings to average equity (ytd only) | -5.9987% | 4,178 |
| Net charge-offs to loans | 0.0018% | 2,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -889.0000% | 4,594 |
| Efficiency ratio | 153.7810% | 55 |
| Assets per employee ($millions) | 7.7025% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,522 |
| Loan loss allowance to noncurrent loans | 665.8147% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,167 |
| Noncurrent loans to loans | 0.1429% | 2,895 |
| Net loans and leases to total assets | 50.3100% | 3,592 |
| Net loans and leases to deposits | 59.4325% | 3,545 |
| Net loans and leases to core deposits | 64.3966% | 3,576 |
| Total domestic deposits to total assets | 84.6500% | 2,523 |
| Equity capital to assets | 10.5297% | 1,707 |
| Core capital (leverage) ratio | 13.9161% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $433,920,500 | 1,949 |
| Average earning assets | $406,349,500 | 1,926 |
| Average equity | $46,143,000 | 1,771 |
| Average total loans | $219,725,500 | 2,220 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2290% | 4,476 |
| Cost of funding earning assets | 1.2909% | 2,544 |
| Net interest margin | 1.9380% | 4,429 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.3362% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1818% | 4,455 |
| Return on assets (ROA) | -0.1818% | 4,441 |
| Pretax return on assets | -0.2916% | 4,453 |
| Return on Equity (ROE) | -1.6600% | 4,410 |
| Retained earnings to average equity (ytd only) | -1.6596% | 4,239 |
| Net charge-offs to loans | -0.0009% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 114.0563% | 92 |
| Assets per employee ($millions) | 7.3983% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,378 |
| Loan loss allowance to noncurrent loans | 494.0909% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 2,852 |
| Noncurrent loans to loans | 0.1997% | 2,513 |
| Net loans and leases to total assets | 49.9900% | 3,590 |
| Net loans and leases to deposits | 59.1709% | 3,572 |
| Net loans and leases to core deposits | 63.7868% | 3,600 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 10.7370% | 1,611 |
| Core capital (leverage) ratio | 14.2834% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $428,597,800 | 1,928 |
| Average earning assets | $400,248,000 | 1,907 |
| Average equity | $46,939,000 | 1,683 |
| Average total loans | $222,640,200 | 2,146 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1971% | 4,484 |
| Cost of funding earning assets | 1.1495% | 2,592 |
| Net interest margin | 2.0476% | 4,425 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.3730% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.0944% | 4,474 |
| Return on assets (ROA) | -0.0944% | 4,459 |
| Pretax return on assets | -0.1810% | 4,467 |
| Return on Equity (ROE) | -0.8600% | 4,422 |
| Retained earnings to average equity (ytd only) | -0.8575% | 4,241 |
| Net charge-offs to loans | -0.0012% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 108.2549% | 112 |
| Assets per employee ($millions) | 7.2171% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,519 |
| Loan loss allowance to noncurrent loans | 333.5394% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,566 |
| Noncurrent loans to loans | 0.2891% | 2,198 |
| Net loans and leases to total assets | 52.0500% | 3,495 |
| Net loans and leases to deposits | 59.7354% | 3,519 |
| Net loans and leases to core deposits | 64.4604% | 3,505 |
| Total domestic deposits to total assets | 87.1400% | 1,846 |
| Equity capital to assets | 10.5006% | 1,555 |
| Core capital (leverage) ratio | 14.4794% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $426,622,000 | 1,932 |
| Average earning assets | $397,855,250 | 1,912 |
| Average equity | $46,957,000 | 1,672 |
| Average total loans | $223,208,000 | 2,141 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1202% | 4,520 |
| Cost of funding earning assets | 0.8583% | 2,513 |
| Net interest margin | 2.2619% | 4,470 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.4205% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1792% | 4,545 |
| Return on assets (ROA) | -0.1792% | 4,531 |
| Pretax return on assets | -0.2389% | 4,536 |
| Return on Equity (ROE) | -1.6000% | 4,500 |
| Retained earnings to average equity (ytd only) | -1.5972% | 4,184 |
| Net charge-offs to loans | -0.0018% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 110.9495% | 98 |
| Assets per employee ($millions) | 7.1140% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,632 |
| Loan loss allowance to noncurrent loans | 321.9403% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,407 |
| Noncurrent loans to loans | 0.3016% | 2,067 |
| Net loans and leases to total assets | 51.5500% | 3,380 |
| Net loans and leases to deposits | 59.7715% | 3,347 |
| Net loans and leases to core deposits | 63.8635% | 3,355 |
| Total domestic deposits to total assets | 86.2400% | 2,526 |
| Equity capital to assets | 11.3457% | 1,208 |
| Core capital (leverage) ratio | 14.3131% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $428,671,500 | 1,947 |
| Average earning assets | $399,841,000 | 1,935 |
| Average equity | $48,085,500 | 1,655 |
| Average total loans | $222,803,000 | 2,152 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8898% | 4,247 |
| Cost of funding earning assets | 0.5928% | 931 |
| Net interest margin | 2.2970% | 4,432 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.3353% | 2,631 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | -0.0548% | 4,586 |
| Return on assets (ROA) | -0.0548% | 4,573 |
| Pretax return on assets | -0.0758% | 4,569 |
| Return on Equity (ROE) | -0.4600% | 4,557 |
| Retained earnings to average equity (ytd only) | -0.4586% | 4,396 |
| Net charge-offs to loans | -0.0035% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 104.1223% | 122 |
| Assets per employee ($millions) | 7.1750% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3487% | 4,526 |
| Loan loss allowance to noncurrent loans | 125.8481% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,159 |
| Noncurrent loans to loans | 0.2771% | 2,163 |
| Net loans and leases to total assets | 51.7200% | 3,382 |
| Net loans and leases to deposits | 59.6205% | 3,352 |
| Net loans and leases to core deposits | 62.9524% | 3,328 |
| Total domestic deposits to total assets | 86.7400% | 2,478 |
| Equity capital to assets | 11.0901% | 1,224 |
| Core capital (leverage) ratio | 14.3517% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $443,451,200 | 1,875 |
| Average earning assets | $415,461,400 | 1,860 |
| Average equity | $52,987,200 | 1,543 |
| Average total loans | $225,574,000 | 2,078 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8222% | 4,165 |
| Cost of funding earning assets | 0.5733% | 505 |
| Net interest margin | 2.2489% | 4,436 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.3156% | 2,588 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | -0.0770% | 4,620 |
| Return on assets (ROA) | -0.0770% | 4,597 |
| Pretax return on assets | -0.1036% | 4,598 |
| Return on Equity (ROE) | -0.6300% | 4,578 |
| Retained earnings to average equity (ytd only) | -0.6335% | 4,398 |
| Net charge-offs to loans | -0.0035% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 105.3217% | 119 |
| Assets per employee ($millions) | 6.7501% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3529% | 4,563 |
| Loan loss allowance to noncurrent loans | 175.9825% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 2,481 |
| Noncurrent loans to loans | 0.2005% | 2,601 |
| Net loans and leases to total assets | 51.8800% | 3,287 |
| Net loans and leases to deposits | 59.7702% | 3,218 |
| Net loans and leases to core deposits | 63.0786% | 3,184 |
| Total domestic deposits to total assets | 86.7900% | 2,831 |
| Equity capital to assets | 10.5780% | 1,341 |
| Core capital (leverage) ratio | 14.2240% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $446,688,500 | 1,871 |
| Average earning assets | $419,096,000 | 1,859 |
| Average equity | $54,298,250 | 1,529 |
| Average total loans | $226,111,500 | 2,070 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7547% | 4,059 |
| Cost of funding earning assets | 0.5683% | 350 |
| Net interest margin | 2.1864% | 4,448 |
| Noninterest income to average assets | 0.0953% | 4,504 |
| Noninterest expense to average assets | 2.2780% | 2,612 |
| Loan and lease loss provision to assets | -0.0223% | 4,437 |
| Net operating income to assets | -0.0783% | 4,609 |
| Return on assets (ROA) | -0.0783% | 4,580 |
| Pretax return on assets | -0.1037% | 4,575 |
| Return on Equity (ROE) | -0.6183% | 4,577 |
| Retained earnings to average equity (ytd only) | -0.6183% | 4,255 |
| Net charge-offs to loans | -0.0036% | 3,245 |
| Credit loss provision to net charge-offs | 1,250.0000% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8532% | 134 |
| Assets per employee ($millions) | 7.0657% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3575% | 4,635 |
| Loan loss allowance to noncurrent loans | 82.5413% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 2,230 |
| Noncurrent loans to loans | 0.4332% | 1,825 |
| Net loans and leases to total assets | 50.0230% | 3,380 |
| Net loans and leases to deposits | 57.4174% | 3,277 |
| Net loans and leases to core deposits | 60.4247% | 3,243 |
| Total domestic deposits to total assets | 87.1217% | 2,893 |
| Equity capital to assets | 11.4729% | 1,040 |
| Core capital (leverage) ratio | 14.1666% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,332,000 | 1,874 |
| Average earning assets | $422,695,333 | 1,870 |
| Average equity | $56,927,000 | 1,503 |
| Average total loans | $225,343,667 | 2,077 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6692% | 4,000 |
| Cost of funding earning assets | 0.5635% | 338 |
| Net interest margin | 2.1057% | 4,441 |
| Noninterest income to average assets | 0.0585% | 4,639 |
| Noninterest expense to average assets | 2.2994% | 2,505 |
| Loan and lease loss provision to assets | -0.0230% | 4,458 |
| Net operating income to assets | -0.1878% | 4,636 |
| Return on assets (ROA) | -0.1878% | 4,619 |
| Pretax return on assets | -0.2313% | 4,620 |
| Return on Equity (ROE) | -1.4167% | 4,606 |
| Retained earnings to average equity (ytd only) | -1.4167% | 4,184 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4350% | 114 |
| Assets per employee ($millions) | 7.6299% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3621% | 4,663 |
| Loan loss allowance to noncurrent loans | 67.4629% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 2,060 |
| Noncurrent loans to loans | 0.5367% | 1,693 |
| Net loans and leases to total assets | 50.0649% | 3,166 |
| Net loans and leases to deposits | 58.1464% | 3,062 |
| Net loans and leases to core deposits | 61.3562% | 3,035 |
| Total domestic deposits to total assets | 86.1013% | 3,223 |
| Equity capital to assets | 12.5192% | 799 |
| Core capital (leverage) ratio | 14.2557% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,429,500 | 1,879 |
| Average earning assets | $425,893,500 | 1,865 |
| Average equity | $59,855,500 | 1,489 |
| Average total loans | $226,280,500 | 2,071 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7533% | 4,259 |
| Cost of funding earning assets | 0.6244% | 483 |
| Net interest margin | 2.1289% | 4,524 |
| Noninterest income to average assets | 0.0793% | 4,662 |
| Noninterest expense to average assets | 2.1999% | 3,088 |
| Loan and lease loss provision to assets | -0.0176% | 4,209 |
| Net operating income to assets | -0.0743% | 4,699 |
| Return on assets (ROA) | -0.0444% | 4,700 |
| Pretax return on assets | -0.0611% | 4,703 |
| Return on Equity (ROE) | -0.3045% | 4,701 |
| Retained earnings to average equity (ytd only) | -0.3045% | 4,529 |
| Net charge-offs to loans | -0.0035% | 3,462 |
| Credit loss provision to net charge-offs | 975.0000% | 546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5910% | 112 |
| Assets per employee ($millions) | 7.6728% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3733% | 4,697 |
| Loan loss allowance to noncurrent loans | 128.0303% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,921 |
| Noncurrent loans to loans | 0.2916% | 2,544 |
| Net loans and leases to total assets | 49.8179% | 3,302 |
| Net loans and leases to deposits | 58.9021% | 3,181 |
| Net loans and leases to core deposits | 62.1502% | 3,150 |
| Total domestic deposits to total assets | 84.5774% | 3,398 |
| Equity capital to assets | 13.9949% | 666 |
| Core capital (leverage) ratio | 14.5472% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,836,000 | 1,855 |
| Average earning assets | $417,825,000 | 1,845 |
| Average equity | $64,697,400 | 1,433 |
| Average total loans | $231,344,800 | 2,044 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7830% | 4,318 |
| Cost of funding earning assets | 0.6363% | 530 |
| Net interest margin | 2.1467% | 4,600 |
| Noninterest income to average assets | 0.0821% | 4,731 |
| Noninterest expense to average assets | 2.2208% | 3,005 |
| Loan and lease loss provision to assets | -0.0038% | 4,301 |
| Net operating income to assets | -0.0908% | 4,768 |
| Return on assets (ROA) | -0.0507% | 4,768 |
| Pretax return on assets | -0.0664% | 4,772 |
| Return on Equity (ROE) | -0.3444% | 4,766 |
| Retained earnings to average equity (ytd only) | -0.3444% | 4,600 |
| Net charge-offs to loans | -0.0023% | 3,245 |
| Credit loss provision to net charge-offs | 325.0000% | 962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7656% | 121 |
| Assets per employee ($millions) | 7.4733% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3861% | 4,777 |
| Loan loss allowance to noncurrent loans | 149.2586% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 3,209 |
| Noncurrent loans to loans | 0.2587% | 2,896 |
| Net loans and leases to total assets | 52.1294% | 3,180 |
| Net loans and leases to deposits | 61.9380% | 3,047 |
| Net loans and leases to core deposits | 65.2770% | 3,014 |
| Total domestic deposits to total assets | 84.1638% | 3,417 |
| Equity capital to assets | 14.3694% | 659 |
| Core capital (leverage) ratio | 14.5057% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,621,750 | 1,881 |
| Average earning assets | $415,080,250 | 1,873 |
| Average equity | $65,033,250 | 1,441 |
| Average total loans | $232,589,250 | 2,072 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8152% | 4,326 |
| Cost of funding earning assets | 0.6483% | 579 |
| Net interest margin | 2.1669% | 4,619 |
| Noninterest income to average assets | 0.0860% | 4,743 |
| Noninterest expense to average assets | 2.2464% | 2,932 |
| Loan and lease loss provision to assets | 0.0018% | 2,838 |
| Net operating income to assets | -0.1027% | 4,805 |
| Return on assets (ROA) | -0.0610% | 4,798 |
| Pretax return on assets | -0.0797% | 4,801 |
| Return on Equity (ROE) | -0.4108% | 4,796 |
| Retained earnings to average equity (ytd only) | -0.4108% | 4,554 |
| Net charge-offs to loans | -0.0017% | 3,167 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1747% | 118 |
| Assets per employee ($millions) | 7.5830% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3907% | 4,806 |
| Loan loss allowance to noncurrent loans | 123.4270% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 3,150 |
| Noncurrent loans to loans | 0.3166% | 2,783 |
| Net loans and leases to total assets | 52.5347% | 3,294 |
| Net loans and leases to deposits | 62.5026% | 3,148 |
| Net loans and leases to core deposits | 65.9016% | 3,117 |
| Total domestic deposits to total assets | 84.0519% | 3,423 |
| Equity capital to assets | 14.4552% | 628 |
| Core capital (leverage) ratio | 14.7686% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,363,667 | 1,882 |
| Average earning assets | $411,554,667 | 1,876 |
| Average equity | $65,233,667 | 1,432 |
| Average total loans | $231,901,667 | 2,087 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8527% | 4,314 |
| Cost of funding earning assets | 0.6711% | 615 |
| Net interest margin | 2.1816% | 4,625 |
| Noninterest income to average assets | 0.0809% | 4,758 |
| Noninterest expense to average assets | 2.2979% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1409% | 4,820 |
| Return on assets (ROA) | -0.1213% | 4,818 |
| Pretax return on assets | -0.1553% | 4,822 |
| Return on Equity (ROE) | -0.8059% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.8059% | 4,439 |
| Net charge-offs to loans | -0.0017% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5033% | 118 |
| Assets per employee ($millions) | 7.4134% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3985% | 4,827 |
| Loan loss allowance to noncurrent loans | 139.8473% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,418 |
| Noncurrent loans to loans | 0.2850% | 3,083 |
| Net loans and leases to total assets | 52.3382% | 3,410 |
| Net loans and leases to deposits | 62.5661% | 3,268 |
| Net loans and leases to core deposits | 65.9240% | 3,247 |
| Total domestic deposits to total assets | 83.6527% | 3,532 |
| Equity capital to assets | 14.7680% | 532 |
| Core capital (leverage) ratio | 15.0740% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,347,500 | 1,882 |
| Average earning assets | $406,499,000 | 1,880 |
| Average equity | $65,514,500 | 1,421 |
| Average total loans | $229,872,500 | 2,094 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1963% | 4,457 |
| Cost of funding earning assets | 0.7993% | 1,216 |
| Net interest margin | 2.3971% | 4,659 |
| Noninterest income to average assets | 0.0698% | 4,819 |
| Noninterest expense to average assets | 2.3421% | 3,292 |
| Loan and lease loss provision to assets | 0.0304% | 4,017 |
| Net operating income to assets | -0.0442% | 4,755 |
| Return on assets (ROA) | 0.0586% | 4,730 |
| Pretax return on assets | 0.0718% | 4,720 |
| Return on Equity (ROE) | 0.3691% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.3691% | 4,403 |
| Net charge-offs to loans | 0.0004% | 3,424 |
| Credit loss provision to net charge-offs | 12,700.0000% | 75 |
| Earnings coverage of net charge-offs (x) | -97.0000% | 3,434 |
| Efficiency ratio | 101.0006% | 162 |
| Assets per employee ($millions) | 7.3441% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3980% | 4,857 |
| Loan loss allowance to noncurrent loans | 92.9878% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,149 |
| Noncurrent loans to loans | 0.4280% | 2,696 |
| Net loans and leases to total assets | 52.8478% | 3,592 |
| Net loans and leases to deposits | 63.5165% | 3,475 |
| Net loans and leases to core deposits | 67.2172% | 3,466 |
| Total domestic deposits to total assets | 83.2032% | 3,354 |
| Equity capital to assets | 15.3322% | 512 |
| Core capital (leverage) ratio | 15.3213% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,042,000 | 1,804 |
| Average earning assets | $392,231,400 | 1,790 |
| Average equity | $66,379,600 | 1,355 |
| Average total loans | $233,914,800 | 2,007 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 4,519 |
| Cost of funding earning assets | 0.8186% | 1,405 |
| Net interest margin | 2.4479% | 4,689 |
| Noninterest income to average assets | 0.0686% | 4,850 |
| Noninterest expense to average assets | 2.3178% | 3,374 |
| Loan and lease loss provision to assets | 0.0234% | 4,040 |
| Net operating income to assets | 0.0266% | 4,753 |
| Return on assets (ROA) | 0.1149% | 4,714 |
| Pretax return on assets | 0.1429% | 4,697 |
| Return on Equity (ROE) | 0.7172% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.7172% | 4,332 |
| Net charge-offs to loans | 0.0023% | 3,102 |
| Credit loss provision to net charge-offs | 1,825.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,295 |
| Efficiency ratio | 97.6407% | 198 |
| Assets per employee ($millions) | 7.0932% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3683% | 4,898 |
| Loan loss allowance to noncurrent loans | 102.5090% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,454 |
| Noncurrent loans to loans | 0.3593% | 2,998 |
| Net loans and leases to total assets | 54.5357% | 3,752 |
| Net loans and leases to deposits | 65.8392% | 3,632 |
| Net loans and leases to core deposits | 69.6304% | 3,647 |
| Total domestic deposits to total assets | 82.8316% | 3,184 |
| Equity capital to assets | 15.6951% | 512 |
| Core capital (leverage) ratio | 15.5886% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,226,750 | 1,796 |
| Average earning assets | $390,093,250 | 1,778 |
| Average equity | $66,365,750 | 1,340 |
| Average total loans | $234,917,000 | 2,001 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3531% | 4,589 |
| Cost of funding earning assets | 0.8388% | 1,639 |
| Net interest margin | 2.5143% | 4,729 |
| Noninterest income to average assets | 0.0702% | 4,866 |
| Noninterest expense to average assets | 2.3507% | 3,396 |
| Loan and lease loss provision to assets | 0.0473% | 3,709 |
| Net operating income to assets | 0.0334% | 4,747 |
| Return on assets (ROA) | 0.1243% | 4,689 |
| Pretax return on assets | 0.1550% | 4,677 |
| Return on Equity (ROE) | 0.7701% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.7701% | 4,145 |
| Net charge-offs to loans | 0.0034% | 2,867 |
| Credit loss provision to net charge-offs | 2,425.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,166 |
| Efficiency ratio | 96.3644% | 235 |
| Assets per employee ($millions) | 6.9313% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3750% | 4,921 |
| Loan loss allowance to noncurrent loans | 78.3304% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 3,253 |
| Noncurrent loans to loans | 0.4787% | 2,715 |
| Net loans and leases to total assets | 55.4220% | 3,739 |
| Net loans and leases to deposits | 67.0525% | 3,640 |
| Net loans and leases to core deposits | 70.9451% | 3,646 |
| Total domestic deposits to total assets | 82.6547% | 3,192 |
| Equity capital to assets | 15.8458% | 484 |
| Core capital (leverage) ratio | 15.8419% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,438,667 | 1,780 |
| Average earning assets | $386,742,667 | 1,764 |
| Average equity | $66,222,000 | 1,329 |
| Average total loans | $235,570,333 | 1,979 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 4,660 |
| Cost of funding earning assets | 0.8663% | 2,028 |
| Net interest margin | 2.6053% | 4,750 |
| Noninterest income to average assets | 0.1069% | 4,795 |
| Noninterest expense to average assets | 2.4262% | 3,483 |
| Loan and lease loss provision to assets | 0.0564% | 3,057 |
| Net operating income to assets | 0.0633% | 4,699 |
| Return on assets (ROA) | 0.1563% | 4,595 |
| Pretax return on assets | 0.1969% | 4,569 |
| Return on Equity (ROE) | 0.9600% | 4,637 |
| Retained earnings to average equity (ytd only) | 0.9600% | 3,752 |
| Net charge-offs to loans | 0.0034% | 2,463 |
| Credit loss provision to net charge-offs | 2,850.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 737 |
| Efficiency ratio | 94.7084% | 359 |
| Assets per employee ($millions) | 6.6159% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3585% | 4,967 |
| Loan loss allowance to noncurrent loans | 105.3683% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 3,692 |
| Noncurrent loans to loans | 0.3402% | 3,276 |
| Net loans and leases to total assets | 58.1281% | 3,660 |
| Net loans and leases to deposits | 69.8815% | 3,604 |
| Net loans and leases to core deposits | 74.1241% | 3,624 |
| Total domestic deposits to total assets | 83.1809% | 3,046 |
| Equity capital to assets | 16.3743% | 525 |
| Core capital (leverage) ratio | 16.2218% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,252,000 | 1,752 |
| Average earning assets | $380,914,500 | 1,733 |
| Average equity | $65,834,000 | 1,329 |
| Average total loans | $235,749,000 | 1,958 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,761 |
| Cost of funding earning assets | 0.8149% | 2,611 |
| Net interest margin | 2.8055% | 4,757 |
| Noninterest income to average assets | 0.0941% | 4,944 |
| Noninterest expense to average assets | 2.4291% | 3,620 |
| Loan and lease loss provision to assets | -0.0469% | 5,015 |
| Net operating income to assets | 0.2864% | 4,763 |
| Return on assets (ROA) | 0.2864% | 4,789 |
| Pretax return on assets | 0.3620% | 4,758 |
| Return on Equity (ROE) | 1.7563% | 4,824 |
| Retained earnings to average equity (ytd only) | 1.7563% | 4,101 |
| Net charge-offs to loans | -0.0439% | 4,804 |
| Credit loss provision to net charge-offs | 182.3529% | 1,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5171% | 413 |
| Assets per employee ($millions) | 6.5312% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 5,020 |
| Loan loss allowance to noncurrent loans | 104.3651% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,719 |
| Noncurrent loans to loans | 0.3202% | 3,291 |
| Net loans and leases to total assets | 58.1027% | 3,762 |
| Net loans and leases to deposits | 69.7557% | 3,691 |
| Net loans and leases to core deposits | 73.5986% | 3,750 |
| Total domestic deposits to total assets | 83.2945% | 3,107 |
| Equity capital to assets | 16.1968% | 573 |
| Core capital (leverage) ratio | 16.3271% | 483 |
| Tier 1 risk-based capital ratio | 38.6821% | 260 |
| Total risk-based capital ratio | 39.1484% | 273 |
| Memoranda: | ||
| Average total assets | $396,356,600 | 1,752 |
| Average earning assets | $374,406,400 | 1,732 |
| Average equity | $64,625,400 | 1,303 |
| Average total loans | $232,083,400 | 1,943 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 4,850 |
| Cost of funding earning assets | 0.7896% | 2,765 |
| Net interest margin | 2.8485% | 4,812 |
| Noninterest income to average assets | 0.0883% | 5,024 |
| Noninterest expense to average assets | 2.4325% | 3,603 |
| Loan and lease loss provision to assets | -0.0497% | 5,125 |
| Net operating income to assets | 0.3142% | 4,819 |
| Return on assets (ROA) | 0.3142% | 4,841 |
| Pretax return on assets | 0.3961% | 4,813 |
| Return on Equity (ROE) | 1.9238% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.9238% | 4,302 |
| Net charge-offs to loans | -0.0473% | 4,822 |
| Credit loss provision to net charge-offs | 179.2683% | 1,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5365% | 425 |
| Assets per employee ($millions) | 6.3942% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3480% | 5,093 |
| Loan loss allowance to noncurrent loans | 102.7990% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,771 |
| Noncurrent loans to loans | 0.3385% | 3,323 |
| Net loans and leases to total assets | 58.3675% | 3,839 |
| Net loans and leases to deposits | 70.3082% | 3,752 |
| Net loans and leases to core deposits | 74.0933% | 3,821 |
| Total domestic deposits to total assets | 83.0166% | 3,163 |
| Equity capital to assets | 16.5046% | 557 |
| Core capital (leverage) ratio | 16.5053% | 503 |
| Tier 1 risk-based capital ratio | 37.9706% | 278 |
| Total risk-based capital ratio | 38.4409% | 291 |
| Memoranda: | ||
| Average total assets | $394,212,500 | 1,773 |
| Average earning assets | $372,345,500 | 1,747 |
| Average equity | $64,385,250 | 1,306 |
| Average total loans | $231,087,750 | 1,961 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,904 |
| Cost of funding earning assets | 0.7477% | 2,904 |
| Net interest margin | 2.8869% | 4,836 |
| Noninterest income to average assets | 0.0890% | 5,081 |
| Noninterest expense to average assets | 2.4988% | 3,484 |
| Loan and lease loss provision to assets | -0.0590% | 5,184 |
| Net operating income to assets | 0.2994% | 4,874 |
| Return on assets (ROA) | 0.2994% | 4,883 |
| Pretax return on assets | 0.3772% | 4,855 |
| Return on Equity (ROE) | 1.8396% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.8396% | 4,162 |
| Net charge-offs to loans | -0.0728% | 4,934 |
| Credit loss provision to net charge-offs | 138.0952% | 1,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7044% | 406 |
| Assets per employee ($millions) | 6.7029% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3639% | 5,139 |
| Loan loss allowance to noncurrent loans | 180.4721% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,166 |
| Noncurrent loans to loans | 0.2016% | 3,826 |
| Net loans and leases to total assets | 58.2264% | 3,892 |
| Net loans and leases to deposits | 70.0753% | 3,834 |
| Net loans and leases to core deposits | 73.5033% | 3,918 |
| Total domestic deposits to total assets | 83.0911% | 3,169 |
| Equity capital to assets | 16.4378% | 545 |
| Core capital (leverage) ratio | 16.5027% | 485 |
| Tier 1 risk-based capital ratio | 38.6143% | 261 |
| Total risk-based capital ratio | 39.1147% | 271 |
| Memoranda: | ||
| Average total assets | $393,470,000 | 1,786 |
| Average earning assets | $371,820,670 | 1,757 |
| Average equity | $64,036,670 | 1,305 |
| Average total loans | $230,717,000 | 1,969 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,917 |
| Cost of funding earning assets | 0.6961% | 3,077 |
| Net interest margin | 2.9470% | 4,825 |
| Noninterest income to average assets | 0.0775% | 5,150 |
| Noninterest expense to average assets | 2.4726% | 3,578 |
| Loan and lease loss provision to assets | -0.1060% | 5,293 |
| Net operating income to assets | 0.3954% | 4,744 |
| Return on assets (ROA) | 0.3954% | 4,757 |
| Pretax return on assets | 0.4984% | 4,690 |
| Return on Equity (ROE) | 2.4421% | 4,904 |
| Retained earnings to average equity (ytd only) | 2.4421% | 3,943 |
| Net charge-offs to loans | -0.1458% | 5,116 |
| Credit loss provision to net charge-offs | 123.8095% | 1,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3038% | 562 |
| Assets per employee ($millions) | 6.4039% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3727% | 5,201 |
| Loan loss allowance to noncurrent loans | 150.4409% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,077 |
| Noncurrent loans to loans | 0.2478% | 3,677 |
| Net loans and leases to total assets | 58.3653% | 3,845 |
| Net loans and leases to deposits | 70.1471% | 3,755 |
| Net loans and leases to core deposits | 73.4649% | 3,829 |
| Total domestic deposits to total assets | 83.2041% | 3,312 |
| Equity capital to assets | 16.4052% | 513 |
| Core capital (leverage) ratio | 16.3974% | 481 |
| Tier 1 risk-based capital ratio | 39.9733% | 239 |
| Total risk-based capital ratio | 40.5003% | 244 |
| Memoranda: | ||
| Average total assets | $392,469,000 | 1,798 |
| Average earning assets | $371,225,000 | 1,763 |
| Average equity | $63,551,500 | 1,306 |
| Average total loans | $230,520,500 | 1,989 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 4,990 |
| Cost of funding earning assets | 0.4906% | 3,418 |
| Net interest margin | 2.9254% | 4,879 |
| Noninterest income to average assets | 0.0879% | 5,186 |
| Noninterest expense to average assets | 2.4843% | 3,653 |
| Loan and lease loss provision to assets | -0.0628% | 5,220 |
| Net operating income to assets | 0.3405% | 4,958 |
| Return on assets (ROA) | 0.3405% | 4,953 |
| Pretax return on assets | 0.4291% | 4,907 |
| Return on Equity (ROE) | 2.1633% | 5,023 |
| Retained earnings to average equity (ytd only) | 2.1633% | 4,287 |
| Net charge-offs to loans | -0.0775% | 5,088 |
| Credit loss provision to net charge-offs | 142.5287% | 1,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1501% | 471 |
| Assets per employee ($millions) | 6.4639% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3760% | 5,233 |
| Loan loss allowance to noncurrent loans | 70.6311% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 3,303 |
| Noncurrent loans to loans | 0.5323% | 2,674 |
| Net loans and leases to total assets | 58.6655% | 3,906 |
| Net loans and leases to deposits | 70.1593% | 3,816 |
| Net loans and leases to core deposits | 72.9491% | 3,923 |
| Total domestic deposits to total assets | 83.6176% | 3,118 |
| Equity capital to assets | 15.9822% | 533 |
| Core capital (leverage) ratio | 16.3662% | 473 |
| Tier 1 risk-based capital ratio | 38.4959% | 252 |
| Total risk-based capital ratio | 39.0184% | 260 |
| Memoranda: | ||
| Average total assets | $394,760,400 | 1,739 |
| Average earning assets | $372,806,000 | 1,711 |
| Average equity | $62,128,200 | 1,282 |
| Average total loans | $224,646,400 | 1,993 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 5,052 |
| Cost of funding earning assets | 0.4588% | 3,467 |
| Net interest margin | 2.9247% | 4,944 |
| Noninterest income to average assets | 0.0858% | 5,259 |
| Noninterest expense to average assets | 2.5131% | 3,546 |
| Loan and lease loss provision to assets | -0.0588% | 5,306 |
| Net operating income to assets | 0.3106% | 5,085 |
| Return on assets (ROA) | 0.3106% | 5,077 |
| Pretax return on assets | 0.3910% | 5,041 |
| Return on Equity (ROE) | 1.9815% | 5,134 |
| Retained earnings to average equity (ytd only) | 1.9815% | 4,587 |
| Net charge-offs to loans | -0.0090% | 4,364 |
| Credit loss provision to net charge-offs | 1,160.0000% | 355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3232% | 391 |
| Assets per employee ($millions) | 6.2295% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3436% | 5,334 |
| Loan loss allowance to noncurrent loans | 83.1224% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 3,728 |
| Noncurrent loans to loans | 0.4133% | 3,170 |
| Net loans and leases to total assets | 59.1775% | 3,936 |
| Net loans and leases to deposits | 70.8162% | 3,855 |
| Net loans and leases to core deposits | 73.4350% | 3,985 |
| Total domestic deposits to total assets | 83.5650% | 3,097 |
| Equity capital to assets | 16.0642% | 529 |
| Core capital (leverage) ratio | 16.3199% | 476 |
| Tier 1 risk-based capital ratio | 37.6883% | 261 |
| Total risk-based capital ratio | 38.1532% | 272 |
| Memoranda: | ||
| Average total assets | $394,875,500 | 1,744 |
| Average earning assets | $372,588,000 | 1,714 |
| Average equity | $61,905,750 | 1,287 |
| Average total loans | $222,760,250 | 2,008 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 5,098 |
| Cost of funding earning assets | 0.4516% | 3,343 |
| Net interest margin | 2.8924% | 5,021 |
| Noninterest income to average assets | 0.0850% | 5,311 |
| Noninterest expense to average assets | 2.5397% | 3,514 |
| Loan and lease loss provision to assets | -0.0769% | 5,403 |
| Net operating income to assets | 0.2786% | 5,149 |
| Return on assets (ROA) | 0.2786% | 5,143 |
| Pretax return on assets | 0.3500% | 5,107 |
| Return on Equity (ROE) | 1.7912% | 5,201 |
| Retained earnings to average equity (ytd only) | 1.7912% | 4,530 |
| Net charge-offs to loans | -0.0073% | 4,207 |
| Credit loss provision to net charge-offs | 1,912.5000% | 221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2932% | 360 |
| Assets per employee ($millions) | 6.0610% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3591% | 5,390 |
| Loan loss allowance to noncurrent loans | 92.6097% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,901 |
| Noncurrent loans to loans | 0.3877% | 3,306 |
| Net loans and leases to total assets | 56.4878% | 4,122 |
| Net loans and leases to deposits | 67.3046% | 4,071 |
| Net loans and leases to core deposits | 69.1141% | 4,198 |
| Total domestic deposits to total assets | 83.9285% | 3,097 |
| Equity capital to assets | 15.6890% | 555 |
| Core capital (leverage) ratio | 15.9782% | 498 |
| Tier 1 risk-based capital ratio | 38.1946% | 262 |
| Total risk-based capital ratio | 38.6768% | 271 |
| Memoranda: | ||
| Average total assets | $397,757,000 | 1,739 |
| Average earning assets | $375,125,330 | 1,708 |
| Average equity | $61,859,330 | 1,289 |
| Average total loans | $220,563,670 | 2,026 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,149 |
| Cost of funding earning assets | 0.4382% | 3,303 |
| Net interest margin | 2.8561% | 5,090 |
| Noninterest income to average assets | 0.0851% | 5,381 |
| Noninterest expense to average assets | 2.5922% | 3,357 |
| Loan and lease loss provision to assets | -0.0530% | 5,467 |
| Net operating income to assets | 0.1942% | 5,248 |
| Return on assets (ROA) | 0.1942% | 5,248 |
| Pretax return on assets | 0.2402% | 5,226 |
| Return on Equity (ROE) | 1.2539% | 5,284 |
| Retained earnings to average equity (ytd only) | 1.2539% | 4,560 |
| Net charge-offs to loans | -0.0091% | 4,213 |
| Credit loss provision to net charge-offs | 1,060.0000% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2661% | 323 |
| Assets per employee ($millions) | 6.1156% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4113% | 5,421 |
| Loan loss allowance to noncurrent loans | 103.6909% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,006 |
| Noncurrent loans to loans | 0.3967% | 3,365 |
| Net loans and leases to total assets | 54.7538% | 4,222 |
| Net loans and leases to deposits | 65.0367% | 4,151 |
| Net loans and leases to core deposits | 66.7698% | 4,268 |
| Total domestic deposits to total assets | 84.1891% | 3,247 |
| Equity capital to assets | 15.5073% | 566 |
| Core capital (leverage) ratio | 15.8020% | 513 |
| Tier 1 risk-based capital ratio | 38.4273% | 251 |
| Total risk-based capital ratio | 38.9742% | 255 |
| Memoranda: | ||
| Average total assets | $399,653,000 | 1,744 |
| Average earning assets | $377,018,500 | 1,710 |
| Average equity | $61,884,500 | 1,296 |
| Average total loans | $219,173,500 | 2,048 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1882% | 5,204 |
| Cost of funding earning assets | 0.4666% | 2,629 |
| Net interest margin | 2.7216% | 5,258 |
| Noninterest income to average assets | 0.1084% | 5,378 |
| Noninterest expense to average assets | 2.4394% | 3,966 |
| Loan and lease loss provision to assets | -0.1114% | 5,489 |
| Net operating income to assets | 0.2173% | 5,075 |
| Return on assets (ROA) | 0.2190% | 5,093 |
| Pretax return on assets | 0.3527% | 5,153 |
| Return on Equity (ROE) | 1.4296% | 5,164 |
| Retained earnings to average equity (ytd only) | 1.4296% | 4,431 |
| Net charge-offs to loans | -0.0196% | 4,952 |
| Credit loss provision to net charge-offs | 1,071.4286% | 337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0906% | 377 |
| Assets per employee ($millions) | 6.2780% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4309% | 5,464 |
| Loan loss allowance to noncurrent loans | 105.6920% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 4,026 |
| Noncurrent loans to loans | 0.4077% | 3,304 |
| Net loans and leases to total assets | 54.4678% | 4,317 |
| Net loans and leases to deposits | 64.7175% | 4,279 |
| Net loans and leases to core deposits | 66.5234% | 4,388 |
| Total domestic deposits to total assets | 84.1624% | 3,140 |
| Equity capital to assets | 15.4621% | 591 |
| Core capital (leverage) ratio | 15.6430% | 522 |
| Tier 1 risk-based capital ratio | 37.9623% | 253 |
| Total risk-based capital ratio | 38.5344% | 265 |
| Memoranda: | ||
| Average total assets | $404,029,200 | 1,688 |
| Average earning assets | $381,468,800 | 1,668 |
| Average equity | $61,905,400 | 1,279 |
| Average total loans | $213,863,600 | 2,047 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 5,268 |
| Cost of funding earning assets | 0.4706% | 2,517 |
| Net interest margin | 2.6980% | 5,321 |
| Noninterest income to average assets | 0.1173% | 5,410 |
| Noninterest expense to average assets | 2.4643% | 3,841 |
| Loan and lease loss provision to assets | -0.1209% | 5,609 |
| Net operating income to assets | 0.2273% | 5,325 |
| Return on assets (ROA) | 0.2449% | 5,320 |
| Pretax return on assets | 0.3457% | 5,267 |
| Return on Equity (ROE) | 1.6017% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.6017% | 4,786 |
| Net charge-offs to loans | -0.0188% | 4,829 |
| Credit loss provision to net charge-offs | 1,223.3333% | 300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4923% | 331 |
| Assets per employee ($millions) | 6.2943% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 5,505 |
| Loan loss allowance to noncurrent loans | 149.7059% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,428 |
| Noncurrent loans to loans | 0.3140% | 3,826 |
| Net loans and leases to total assets | 53.5059% | 4,455 |
| Net loans and leases to deposits | 63.6114% | 4,407 |
| Net loans and leases to core deposits | 65.2710% | 4,530 |
| Total domestic deposits to total assets | 84.1136% | 3,076 |
| Equity capital to assets | 15.5046% | 629 |
| Core capital (leverage) ratio | 15.5703% | 566 |
| Tier 1 risk-based capital ratio | 38.1300% | 250 |
| Total risk-based capital ratio | 38.7495% | 266 |
| Memoranda: | ||
| Average total assets | $404,589,000 | 1,697 |
| Average earning assets | $381,950,000 | 1,672 |
| Average equity | $61,850,500 | 1,286 |
| Average total loans | $212,381,250 | 2,067 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 5,307 |
| Cost of funding earning assets | 0.4733% | 2,390 |
| Net interest margin | 2.6724% | 5,388 |
| Noninterest income to average assets | 0.1338% | 5,383 |
| Noninterest expense to average assets | 2.4824% | 3,801 |
| Loan and lease loss provision to assets | -0.1802% | 5,700 |
| Net operating income to assets | 0.2532% | 5,316 |
| Return on assets (ROA) | 0.2532% | 5,334 |
| Pretax return on assets | 0.3539% | 5,263 |
| Return on Equity (ROE) | 1.6643% | 5,390 |
| Retained earnings to average equity (ytd only) | 1.6643% | 4,593 |
| Net charge-offs to loans | -0.0313% | 4,977 |
| Credit loss provision to net charge-offs | 1,106.0606% | 361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4585% | 321 |
| Assets per employee ($millions) | 6.1768% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4786% | 5,538 |
| Loan loss allowance to noncurrent loans | 207.9268% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,707 |
| Noncurrent loans to loans | 0.2302% | 4,204 |
| Net loans and leases to total assets | 52.1852% | 4,555 |
| Net loans and leases to deposits | 61.8370% | 4,515 |
| Net loans and leases to core deposits | 63.7260% | 4,620 |
| Total domestic deposits to total assets | 84.3916% | 3,054 |
| Equity capital to assets | 15.2689% | 664 |
| Core capital (leverage) ratio | 15.4012% | 562 |
| Tier 1 risk-based capital ratio | 38.2107% | 240 |
| Total risk-based capital ratio | 38.8367% | 247 |
| Memoranda: | ||
| Average total assets | $405,173,330 | 1,698 |
| Average earning assets | $382,422,670 | 1,675 |
| Average equity | $61,648,000 | 1,290 |
| Average total loans | $210,988,670 | 2,082 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1687% | 5,286 |
| Cost of funding earning assets | 0.4940% | 2,140 |
| Net interest margin | 2.6747% | 5,413 |
| Noninterest income to average assets | 0.1505% | 5,360 |
| Noninterest expense to average assets | 2.5124% | 3,771 |
| Loan and lease loss provision to assets | -0.1347% | 5,766 |
| Net operating income to assets | 0.2050% | 5,389 |
| Return on assets (ROA) | 0.2050% | 5,402 |
| Pretax return on assets | 0.2931% | 5,322 |
| Return on Equity (ROE) | 1.3497% | 5,446 |
| Retained earnings to average equity (ytd only) | 1.3497% | 4,555 |
| Net charge-offs to loans | -0.0267% | 4,874 |
| Credit loss provision to net charge-offs | 971.4286% | 339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0675% | 383 |
| Assets per employee ($millions) | 6.1079% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 5,497 |
| Loan loss allowance to noncurrent loans | 150.1827% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 4,425 |
| Noncurrent loans to loans | 0.3913% | 3,701 |
| Net loans and leases to total assets | 51.7402% | 4,540 |
| Net loans and leases to deposits | 61.3104% | 4,473 |
| Net loans and leases to core deposits | 63.1577% | 4,588 |
| Total domestic deposits to total assets | 84.3905% | 3,335 |
| Equity capital to assets | 15.2828% | 599 |
| Core capital (leverage) ratio | 15.3870% | 542 |
| Tier 1 risk-based capital ratio | 38.3803% | 248 |
| Total risk-based capital ratio | 39.1426% | 254 |
| Memoranda: | ||
| Average total assets | $403,924,500 | 1,715 |
| Average earning assets | $380,598,500 | 1,689 |
| Average equity | $61,348,500 | 1,297 |
| Average total loans | $209,599,500 | 2,102 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1053% | 5,396 |
| Cost of funding earning assets | 0.5323% | 1,849 |
| Net interest margin | 2.5731% | 5,539 |
| Noninterest income to average assets | 0.0724% | 5,717 |
| Noninterest expense to average assets | 2.4486% | 4,170 |
| Loan and lease loss provision to assets | -0.2275% | 5,798 |
| Net operating income to assets | 0.1846% | 5,446 |
| Return on assets (ROA) | 0.2265% | 5,429 |
| Pretax return on assets | 0.3307% | 5,327 |
| Return on Equity (ROE) | 1.4962% | 5,489 |
| Retained earnings to average equity (ytd only) | 1.4962% | 4,664 |
| Net charge-offs to loans | -0.2336% | 5,768 |
| Credit loss provision to net charge-offs | 188.9571% | 1,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2999% | 245 |
| Assets per employee ($millions) | 6.2266% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 5,455 |
| Loan loss allowance to noncurrent loans | 155.5683% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 4,452 |
| Noncurrent loans to loans | 0.4160% | 3,652 |
| Net loans and leases to total assets | 51.4013% | 4,656 |
| Net loans and leases to deposits | 60.8545% | 4,618 |
| Net loans and leases to core deposits | 62.7440% | 4,712 |
| Total domestic deposits to total assets | 84.4659% | 3,247 |
| Equity capital to assets | 15.0938% | 627 |
| Core capital (leverage) ratio | 15.3799% | 546 |
| Tier 1 risk-based capital ratio | 38.4469% | 245 |
| Total risk-based capital ratio | 39.2903% | 249 |
| Memoranda: | ||
| Average total assets | $406,152,800 | 1,658 |
| Average earning assets | $381,760,600 | 1,633 |
| Average equity | $61,488,200 | 1,268 |
| Average total loans | $209,364,800 | 2,049 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 5,461 |
| Cost of funding earning assets | 0.5331% | 1,853 |
| Net interest margin | 2.5763% | 5,605 |
| Noninterest income to average assets | 0.0748% | 5,775 |
| Noninterest expense to average assets | 2.5153% | 3,940 |
| Loan and lease loss provision to assets | -0.1994% | 5,869 |
| Net operating income to assets | 0.1275% | 5,589 |
| Return on assets (ROA) | 0.1850% | 5,554 |
| Pretax return on assets | 0.2617% | 5,497 |
| Return on Equity (ROE) | 1.2210% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.2210% | 5,020 |
| Net charge-offs to loans | -0.0459% | 5,337 |
| Credit loss provision to net charge-offs | 844.4444% | 476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7488% | 216 |
| Assets per employee ($millions) | 6.1842% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 5,615 |
| Loan loss allowance to noncurrent loans | 76.0922% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 3,786 |
| Noncurrent loans to loans | 0.7833% | 2,722 |
| Net loans and leases to total assets | 52.0303% | 4,656 |
| Net loans and leases to deposits | 61.8195% | 4,637 |
| Net loans and leases to core deposits | 63.7555% | 4,736 |
| Total domestic deposits to total assets | 84.1647% | 3,159 |
| Equity capital to assets | 15.4469% | 639 |
| Core capital (leverage) ratio | 15.2134% | 593 |
| Tier 1 risk-based capital ratio | 37.7841% | 266 |
| Total risk-based capital ratio | 38.5565% | 275 |
| Memoranda: | ||
| Average total assets | $406,508,750 | 1,661 |
| Average earning assets | $382,144,750 | 1,636 |
| Average equity | $61,588,000 | 1,276 |
| Average total loans | $209,358,250 | 2,058 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1225% | 5,524 |
| Cost of funding earning assets | 0.5339% | 1,838 |
| Net interest margin | 2.5886% | 5,676 |
| Noninterest income to average assets | 0.0799% | 5,841 |
| Noninterest expense to average assets | 2.5254% | 3,972 |
| Loan and lease loss provision to assets | -0.2799% | 5,974 |
| Net operating income to assets | 0.1857% | 5,552 |
| Return on assets (ROA) | 0.2652% | 5,473 |
| Pretax return on assets | 0.3833% | 5,367 |
| Return on Equity (ROE) | 1.7616% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.7616% | 4,677 |
| Net charge-offs to loans | -0.0191% | 4,928 |
| Credit loss provision to net charge-offs | 2,855.0000% | 159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4680% | 234 |
| Assets per employee ($millions) | 6.2539% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5905% | 5,698 |
| Loan loss allowance to noncurrent loans | 66.0096% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,374 |
| Noncurrent loans to loans | 0.8946% | 2,489 |
| Net loans and leases to total assets | 51.3119% | 4,738 |
| Net loans and leases to deposits | 60.8083% | 4,747 |
| Net loans and leases to core deposits | 62.7501% | 4,833 |
| Total domestic deposits to total assets | 84.3831% | 3,125 |
| Equity capital to assets | 15.2299% | 685 |
| Core capital (leverage) ratio | 15.0359% | 607 |
| Tier 1 risk-based capital ratio | 37.8507% | 268 |
| Total risk-based capital ratio | 38.6157% | 275 |
| Memoranda: | ||
| Average total assets | $408,021,670 | 1,660 |
| Average earning assets | $383,599,000 | 1,632 |
| Average equity | $61,420,000 | 1,277 |
| Average total loans | $209,011,000 | 2,064 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 5,623 |
| Cost of funding earning assets | 0.5328% | 1,849 |
| Net interest margin | 2.5475% | 5,767 |
| Noninterest income to average assets | 0.0646% | 5,924 |
| Noninterest expense to average assets | 2.5686% | 3,851 |
| Loan and lease loss provision to assets | -0.2084% | 6,026 |
| Net operating income to assets | 0.0733% | 5,717 |
| Return on assets (ROA) | 0.1174% | 5,706 |
| Pretax return on assets | 0.1595% | 5,687 |
| Return on Equity (ROE) | 0.7846% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.7846% | 4,905 |
| Net charge-offs to loans | -0.0058% | 4,336 |
| Credit loss provision to net charge-offs | 7,100.0000% | 48 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4153% | 208 |
| Assets per employee ($millions) | 6.2505% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 5,472 |
| Loan loss allowance to noncurrent loans | 80.4890% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 3,243 |
| Noncurrent loans to loans | 0.9398% | 2,499 |
| Net loans and leases to total assets | 51.0210% | 4,723 |
| Net loans and leases to deposits | 60.3617% | 4,691 |
| Net loans and leases to core deposits | 62.2361% | 4,806 |
| Total domestic deposits to total assets | 84.5255% | 3,306 |
| Equity capital to assets | 15.1356% | 665 |
| Core capital (leverage) ratio | 15.0102% | 603 |
| Tier 1 risk-based capital ratio | 37.2493% | 281 |
| Total risk-based capital ratio | 38.2165% | 284 |
| Memoranda: | ||
| Average total assets | $408,781,500 | 1,651 |
| Average earning assets | $384,378,500 | 1,630 |
| Average equity | $61,175,000 | 1,276 |
| Average total loans | $208,605,000 | 2,064 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 5,689 |
| Cost of funding earning assets | 0.5623% | 1,655 |
| Net interest margin | 2.4873% | 5,837 |
| Noninterest income to average assets | 0.0715% | 5,946 |
| Noninterest expense to average assets | 2.4479% | 4,387 |
| Loan and lease loss provision to assets | -0.2132% | 5,995 |
| Net operating income to assets | 0.1271% | 5,719 |
| Return on assets (ROA) | 0.1651% | 5,701 |
| Pretax return on assets | 0.2356% | 5,637 |
| Return on Equity (ROE) | 1.1125% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.1125% | 5,070 |
| Net charge-offs to loans | -0.1249% | 5,837 |
| Credit loss provision to net charge-offs | 337.4517% | 890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3226% | 258 |
| Assets per employee ($millions) | 6.0483% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 5,238 |
| Loan loss allowance to noncurrent loans | 66.7910% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,889 |
| Noncurrent loans to loans | 1.2863% | 1,828 |
| Net loans and leases to total assets | 50.2214% | 4,848 |
| Net loans and leases to deposits | 59.2425% | 4,832 |
| Net loans and leases to core deposits | 61.1939% | 4,918 |
| Total domestic deposits to total assets | 84.7725% | 3,187 |
| Equity capital to assets | 14.7969% | 707 |
| Core capital (leverage) ratio | 14.8945% | 634 |
| Tier 1 risk-based capital ratio | 37.3522% | 273 |
| Total risk-based capital ratio | 38.4506% | 273 |
| Memoranda: | ||
| Average total assets | $409,979,000 | 1,610 |
| Average earning assets | $386,440,600 | 1,583 |
| Average equity | $60,852,600 | 1,246 |
| Average total loans | $207,447,000 | 2,008 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 5,768 |
| Cost of funding earning assets | 0.5605% | 1,709 |
| Net interest margin | 2.4867% | 5,916 |
| Noninterest income to average assets | 0.0697% | 6,046 |
| Noninterest expense to average assets | 2.3759% | 4,579 |
| Loan and lease loss provision to assets | -0.1344% | 6,045 |
| Net operating income to assets | 0.1193% | 5,822 |
| Return on assets (ROA) | 0.1699% | 5,791 |
| Pretax return on assets | 0.2441% | 5,730 |
| Return on Equity (ROE) | 1.1437% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.1437% | 5,256 |
| Net charge-offs to loans | -0.0901% | 5,745 |
| Credit loss provision to net charge-offs | 295.0000% | 978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4491% | 341 |
| Assets per employee ($millions) | 5.9831% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,630 |
| Loan loss allowance to noncurrent loans | 73.0137% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 2,695 |
| Noncurrent loans to loans | 1.4009% | 1,817 |
| Net loans and leases to total assets | 50.7073% | 4,874 |
| Net loans and leases to deposits | 59.9881% | 4,861 |
| Net loans and leases to core deposits | 61.9814% | 4,943 |
| Total domestic deposits to total assets | 84.5288% | 3,206 |
| Equity capital to assets | 15.0381% | 729 |
| Core capital (leverage) ratio | 14.9337% | 647 |
| Tier 1 risk-based capital ratio | 36.0072% | 326 |
| Total risk-based capital ratio | 37.2595% | 326 |
| Memoranda: | ||
| Average total assets | $409,653,000 | 1,619 |
| Average earning assets | $386,103,000 | 1,590 |
| Average equity | $60,851,500 | 1,253 |
| Average total loans | $207,223,250 | 2,025 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0601% | 5,787 |
| Cost of funding earning assets | 0.5607% | 1,727 |
| Net interest margin | 2.4994% | 5,962 |
| Noninterest income to average assets | 0.0828% | 6,082 |
| Noninterest expense to average assets | 2.4394% | 4,434 |
| Loan and lease loss provision to assets | -0.1218% | 6,106 |
| Net operating income to assets | 0.0845% | 5,895 |
| Return on assets (ROA) | 0.1281% | 5,882 |
| Pretax return on assets | 0.1836% | 5,842 |
| Return on Equity (ROE) | 0.8660% | 5,921 |
| Retained earnings to average equity (ytd only) | 0.8660% | 5,217 |
| Net charge-offs to loans | -0.0841% | 5,723 |
| Credit loss provision to net charge-offs | 287.3563% | 955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0200% | 319 |
| Assets per employee ($millions) | 6.0423% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 4,383 |
| Loan loss allowance to noncurrent loans | 78.1729% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 3,053 |
| Noncurrent loans to loans | 1.3934% | 1,939 |
| Net loans and leases to total assets | 49.5497% | 4,975 |
| Net loans and leases to deposits | 58.4175% | 4,959 |
| Net loans and leases to core deposits | 60.2357% | 5,061 |
| Total domestic deposits to total assets | 84.8201% | 3,203 |
| Equity capital to assets | 14.7735% | 751 |
| Core capital (leverage) ratio | 14.7511% | 663 |
| Tier 1 risk-based capital ratio | 35.6096% | 350 |
| Total risk-based capital ratio | 36.8605% | 348 |
| Memoranda: | ||
| Average total assets | $410,586,330 | 1,628 |
| Average earning assets | $387,047,330 | 1,598 |
| Average equity | $60,741,000 | 1,259 |
| Average total loans | $206,819,000 | 2,034 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0650% | 5,824 |
| Cost of funding earning assets | 0.5665% | 1,690 |
| Net interest margin | 2.4985% | 6,017 |
| Noninterest income to average assets | 0.0926% | 6,114 |
| Noninterest expense to average assets | 2.3779% | 4,660 |
| Loan and lease loss provision to assets | -0.2622% | 6,294 |
| Net operating income to assets | 0.2190% | 5,631 |
| Return on assets (ROA) | 0.2865% | 5,553 |
| Pretax return on assets | 0.4347% | 5,350 |
| Return on Equity (ROE) | 1.9355% | 5,704 |
| Retained earnings to average equity (ytd only) | 1.9355% | 4,698 |
| Net charge-offs to loans | -0.3338% | 6,170 |
| Credit loss provision to net charge-offs | 155.4913% | 1,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1338% | 463 |
| Assets per employee ($millions) | 6.0121% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 4,430 |
| Loan loss allowance to noncurrent loans | 98.1300% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 3,525 |
| Noncurrent loans to loans | 1.1381% | 2,496 |
| Net loans and leases to total assets | 50.0073% | 4,850 |
| Net loans and leases to deposits | 59.0809% | 4,822 |
| Net loans and leases to core deposits | 61.1237% | 4,906 |
| Total domestic deposits to total assets | 84.6421% | 3,565 |
| Equity capital to assets | 14.9447% | 728 |
| Core capital (leverage) ratio | 14.8024% | 635 |
| Tier 1 risk-based capital ratio | 35.4787% | 346 |
| Total risk-based capital ratio | 36.7335% | 346 |
| Memoranda: | ||
| Average total assets | $410,440,500 | 1,640 |
| Average earning assets | $386,954,000 | 1,600 |
| Average equity | $60,761,000 | 1,261 |
| Average total loans | $207,313,000 | 2,034 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1139% | 5,937 |
| Cost of funding earning assets | 0.6090% | 1,691 |
| Net interest margin | 2.5049% | 6,153 |
| Noninterest income to average assets | 0.0625% | 6,264 |
| Noninterest expense to average assets | 2.4205% | 4,787 |
| Loan and lease loss provision to assets | 0.1749% | 1,481 |
| Net operating income to assets | -0.1145% | 6,163 |
| Return on assets (ROA) | -0.0938% | 6,158 |
| Pretax return on assets | -0.1377% | 6,161 |
| Return on Equity (ROE) | -0.6462% | 6,144 |
| Retained earnings to average equity (ytd only) | -0.6462% | 5,871 |
| Net charge-offs to loans | 0.1285% | 2,735 |
| Credit loss provision to net charge-offs | 264.5985% | 970 |
| Earnings coverage of net charge-offs (x) | 0.1022% | 4,694 |
| Efficiency ratio | 99.7218% | 372 |
| Assets per employee ($millions) | 6.0596% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,239 |
| Loan loss allowance to noncurrent loans | 88.6799% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 3,310 |
| Noncurrent loans to loans | 1.3046% | 2,266 |
| Net loans and leases to total assets | 49.8645% | 4,991 |
| Net loans and leases to deposits | 58.8163% | 4,997 |
| Net loans and leases to core deposits | 60.8274% | 5,075 |
| Total domestic deposits to total assets | 84.7799% | 3,376 |
| Equity capital to assets | 14.6641% | 768 |
| Core capital (leverage) ratio | 14.4313% | 717 |
| Tier 1 risk-based capital ratio | 35.6022% | 323 |
| Total risk-based capital ratio | 36.8595% | 318 |
| Memoranda: | ||
| Average total assets | $414,631,600 | 1,593 |
| Average earning assets | $391,440,000 | 1,559 |
| Average equity | $60,195,800 | 1,221 |
| Average total loans | $213,172,000 | 1,952 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 5,999 |
| Cost of funding earning assets | 0.6188% | 1,686 |
| Net interest margin | 2.5039% | 6,221 |
| Noninterest income to average assets | 0.0886% | 6,285 |
| Noninterest expense to average assets | 2.3913% | 4,860 |
| Loan and lease loss provision to assets | 0.1226% | 2,036 |
| Net operating income to assets | -0.0401% | 6,172 |
| Return on assets (ROA) | -0.0212% | 6,170 |
| Pretax return on assets | -0.0321% | 6,166 |
| Return on Equity (ROE) | -0.1463% | 6,167 |
| Retained earnings to average equity (ytd only) | -0.1463% | 5,820 |
| Net charge-offs to loans | 0.1113% | 2,684 |
| Credit loss provision to net charge-offs | 213.4078% | 1,204 |
| Earnings coverage of net charge-offs (x) | 1.0782% | 4,245 |
| Efficiency ratio | 97.4742% | 455 |
| Assets per employee ($millions) | 5.8833% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,115 |
| Loan loss allowance to noncurrent loans | 89.0954% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 3,651 |
| Noncurrent loans to loans | 1.1467% | 2,765 |
| Net loans and leases to total assets | 50.7418% | 4,915 |
| Net loans and leases to deposits | 59.7866% | 4,966 |
| Net loans and leases to core deposits | 62.4370% | 5,006 |
| Total domestic deposits to total assets | 84.8716% | 3,392 |
| Equity capital to assets | 14.6753% | 815 |
| Core capital (leverage) ratio | 14.6735% | 677 |
| Tier 1 risk-based capital ratio | 36.4467% | 311 |
| Total risk-based capital ratio | 37.6989% | 304 |
| Memoranda: | ||
| Average total assets | $415,275,750 | 1,606 |
| Average earning assets | $392,178,500 | 1,565 |
| Average equity | $60,138,750 | 1,221 |
| Average total loans | $214,496,500 | 1,952 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1386% | 6,017 |
| Cost of funding earning assets | 0.6223% | 1,715 |
| Net interest margin | 2.5163% | 6,257 |
| Noninterest income to average assets | 0.0581% | 6,421 |
| Noninterest expense to average assets | 2.4225% | 4,814 |
| Loan and lease loss provision to assets | 0.1638% | 1,508 |
| Net operating income to assets | -0.0997% | 6,256 |
| Return on assets (ROA) | -0.0768% | 6,258 |
| Pretax return on assets | -0.1167% | 6,267 |
| Return on Equity (ROE) | -0.5330% | 6,246 |
| Retained earnings to average equity (ytd only) | -0.5330% | 5,780 |
| Net charge-offs to loans | 0.1048% | 2,631 |
| Credit loss provision to net charge-offs | 301.7699% | 846 |
| Earnings coverage of net charge-offs (x) | 0.2301% | 4,086 |
| Efficiency ratio | 99.4872% | 419 |
| Assets per employee ($millions) | 5.6825% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 5,242 |
| Loan loss allowance to noncurrent loans | 75.2933% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 3,469 |
| Noncurrent loans to loans | 1.3615% | 2,536 |
| Net loans and leases to total assets | 50.7856% | 4,878 |
| Net loans and leases to deposits | 59.7326% | 4,886 |
| Net loans and leases to core deposits | 62.1186% | 4,961 |
| Total domestic deposits to total assets | 85.0216% | 3,490 |
| Equity capital to assets | 14.5242% | 813 |
| Core capital (leverage) ratio | 14.5919% | 681 |
| Tier 1 risk-based capital ratio | 39.1781% | 257 |
| Total risk-based capital ratio | 40.4326% | 254 |
| Memoranda: | ||
| Average total assets | $416,425,000 | 1,603 |
| Average earning assets | $393,358,670 | 1,563 |
| Average equity | $60,039,330 | 1,213 |
| Average total loans | $215,620,000 | 1,934 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 6,097 |
| Cost of funding earning assets | 0.6279% | 1,751 |
| Net interest margin | 2.4894% | 6,341 |
| Noninterest income to average assets | 0.0642% | 6,446 |
| Noninterest expense to average assets | 2.3450% | 5,082 |
| Loan and lease loss provision to assets | 0.0489% | 3,119 |
| Net operating income to assets | 0.0195% | 6,186 |
| Return on assets (ROA) | 0.0383% | 6,172 |
| Pretax return on assets | 0.0527% | 6,152 |
| Return on Equity (ROE) | 0.2670% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.2670% | 5,469 |
| Net charge-offs to loans | 0.0240% | 3,087 |
| Credit loss provision to net charge-offs | 392.3077% | 663 |
| Earnings coverage of net charge-offs (x) | 6.0769% | 2,282 |
| Efficiency ratio | 96.8713% | 598 |
| Assets per employee ($millions) | 5.7166% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 5,803 |
| Loan loss allowance to noncurrent loans | 67.1612% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 3,745 |
| Noncurrent loans to loans | 1.3697% | 2,734 |
| Net loans and leases to total assets | 51.4123% | 4,738 |
| Net loans and leases to deposits | 60.3824% | 4,724 |
| Net loans and leases to core deposits | 62.4811% | 4,832 |
| Total domestic deposits to total assets | 85.1444% | 3,802 |
| Equity capital to assets | 14.4113% | 809 |
| Core capital (leverage) ratio | 14.6554% | 662 |
| Tier 1 risk-based capital ratio | 36.5446% | 299 |
| Total risk-based capital ratio | 37.7439% | 297 |
| Memoranda: | ||
| Average total assets | $417,225,500 | 1,607 |
| Average earning assets | $394,962,500 | 1,563 |
| Average equity | $59,934,000 | 1,214 |
| Average total loans | $217,003,500 | 1,920 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 6,118 |
| Cost of funding earning assets | 0.6784% | 1,971 |
| Net interest margin | 2.5369% | 6,339 |
| Noninterest income to average assets | 0.0468% | 6,557 |
| Noninterest expense to average assets | 2.5882% | 4,503 |
| Loan and lease loss provision to assets | 0.2508% | 1,440 |
| Net operating income to assets | -0.2634% | 6,395 |
| Return on assets (ROA) | -0.2628% | 6,414 |
| Pretax return on assets | -0.3944% | 6,453 |
| Return on Equity (ROE) | -1.7946% | 6,367 |
| Retained earnings to average equity (ytd only) | -1.7946% | 6,152 |
| Net charge-offs to loans | 0.3777% | 1,782 |
| Credit loss provision to net charge-offs | 126.0241% | 1,882 |
| Earnings coverage of net charge-offs (x) | -0.7265% | 5,234 |
| Efficiency ratio | 105.9170% | 340 |
| Assets per employee ($millions) | 5.7142% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 5,937 |
| Loan loss allowance to noncurrent loans | 68.0362% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 3,949 |
| Noncurrent loans to loans | 1.3207% | 2,929 |
| Net loans and leases to total assets | 51.6642% | 4,899 |
| Net loans and leases to deposits | 60.7182% | 4,869 |
| Net loans and leases to core deposits | 62.7973% | 4,989 |
| Total domestic deposits to total assets | 85.0885% | 3,698 |
| Equity capital to assets | 14.3185% | 823 |
| Core capital (leverage) ratio | 14.5644% | 674 |
| Tier 1 risk-based capital ratio | 39.0938% | 243 |
| Total risk-based capital ratio | 40.3467% | 240 |
| Memoranda: | ||
| Average total assets | $417,038,800 | 1,582 |
| Average earning assets | $394,017,600 | 1,534 |
| Average equity | $61,072,400 | 1,178 |
| Average total loans | $219,767,400 | 1,863 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 6,157 |
| Cost of funding earning assets | 0.6839% | 2,071 |
| Net interest margin | 2.5465% | 6,386 |
| Noninterest income to average assets | 0.0400% | 6,658 |
| Noninterest expense to average assets | 2.5799% | 4,462 |
| Loan and lease loss provision to assets | 0.1906% | 1,924 |
| Net operating income to assets | -0.2151% | 6,478 |
| Return on assets (ROA) | -0.2142% | 6,495 |
| Pretax return on assets | -0.3245% | 6,532 |
| Return on Equity (ROE) | -1.4547% | 6,452 |
| Retained earnings to average equity (ytd only) | -1.4547% | 6,191 |
| Net charge-offs to loans | 0.3316% | 1,882 |
| Credit loss provision to net charge-offs | 108.7591% | 2,159 |
| Earnings coverage of net charge-offs (x) | -0.7719% | 4,986 |
| Efficiency ratio | 105.5323% | 336 |
| Assets per employee ($millions) | 6.0330% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 6,240 |
| Loan loss allowance to noncurrent loans | 45.5612% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 3,539 |
| Noncurrent loans to loans | 1.7974% | 2,499 |
| Net loans and leases to total assets | 51.9614% | 4,877 |
| Net loans and leases to deposits | 61.1596% | 4,852 |
| Net loans and leases to core deposits | 63.3071% | 4,976 |
| Total domestic deposits to total assets | 84.9604% | 3,771 |
| Equity capital to assets | 14.4811% | 833 |
| Core capital (leverage) ratio | 14.7628% | 682 |
| Tier 1 risk-based capital ratio | 36.1388% | 309 |
| Total risk-based capital ratio | 37.1992% | 306 |
| Memoranda: | ||
| Average total assets | $417,013,500 | 1,593 |
| Average earning assets | $393,792,500 | 1,548 |
| Average equity | $61,408,500 | 1,180 |
| Average total loans | $220,342,750 | 1,858 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2449% | 6,169 |
| Cost of funding earning assets | 0.6949% | 2,105 |
| Net interest margin | 2.5500% | 6,390 |
| Noninterest income to average assets | 0.0120% | 6,765 |
| Noninterest expense to average assets | 2.5706% | 4,490 |
| Loan and lease loss provision to assets | 0.2569% | 1,443 |
| Net operating income to assets | -0.2706% | 6,532 |
| Return on assets (ROA) | -0.2694% | 6,560 |
| Pretax return on assets | -0.4074% | 6,597 |
| Return on Equity (ROE) | -1.8192% | 6,513 |
| Retained earnings to average equity (ytd only) | -1.8192% | 6,167 |
| Net charge-offs to loans | 0.4197% | 1,538 |
| Credit loss provision to net charge-offs | 115.5172% | 1,915 |
| Earnings coverage of net charge-offs (x) | -0.6853% | 4,684 |
| Efficiency ratio | 106.3033% | 341 |
| Assets per employee ($millions) | 5.7038% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 6,294 |
| Loan loss allowance to noncurrent loans | 38.1695% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 3,253 |
| Noncurrent loans to loans | 2.1817% | 2,199 |
| Net loans and leases to total assets | 51.7674% | 4,893 |
| Net loans and leases to deposits | 60.9707% | 4,866 |
| Net loans and leases to core deposits | 63.0299% | 5,001 |
| Total domestic deposits to total assets | 84.9054% | 3,934 |
| Equity capital to assets | 14.5790% | 803 |
| Core capital (leverage) ratio | 14.8032% | 645 |
| Tier 1 risk-based capital ratio | 35.9030% | 307 |
| Total risk-based capital ratio | 36.9636% | 307 |
| Memoranda: | ||
| Average total assets | $417,260,000 | 1,593 |
| Average earning assets | $393,721,330 | 1,550 |
| Average equity | $61,784,330 | 1,178 |
| Average total loans | $221,094,330 | 1,848 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2902% | 6,168 |
| Cost of funding earning assets | 0.7163% | 2,084 |
| Net interest margin | 2.5739% | 6,410 |
| Noninterest income to average assets | 0.0891% | 6,614 |
| Noninterest expense to average assets | 2.4697% | 4,867 |
| Loan and lease loss provision to assets | 0.3323% | 1,009 |
| Net operating income to assets | -0.1864% | 6,509 |
| Return on assets (ROA) | -0.1839% | 6,547 |
| Pretax return on assets | -0.2796% | 6,592 |
| Return on Equity (ROE) | -1.2323% | 6,512 |
| Retained earnings to average equity (ytd only) | -1.2323% | 5,981 |
| Net charge-offs to loans | 0.5651% | 1,075 |
| Credit loss provision to net charge-offs | 110.1587% | 1,692 |
| Earnings coverage of net charge-offs (x) | 0.1619% | 3,759 |
| Efficiency ratio | 98.0608% | 631 |
| Assets per employee ($millions) | 5.7517% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 6,447 |
| Loan loss allowance to noncurrent loans | 34.5097% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4691% | 3,057 |
| Noncurrent loans to loans | 2.3405% | 2,232 |
| Net loans and leases to total assets | 52.4885% | 4,625 |
| Net loans and leases to deposits | 62.1310% | 4,525 |
| Net loans and leases to core deposits | 64.2337% | 4,720 |
| Total domestic deposits to total assets | 84.4805% | 4,274 |
| Equity capital to assets | 15.0380% | 746 |
| Core capital (leverage) ratio | 14.7797% | 623 |
| Tier 1 risk-based capital ratio | 36.4474% | 305 |
| Total risk-based capital ratio | 37.4939% | 304 |
| Memoranda: | ||
| Average total assets | $417,703,000 | 1,605 |
| Average earning assets | $394,260,500 | 1,557 |
| Average equity | $62,325,000 | 1,184 |
| Average total loans | $222,963,500 | 1,845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 6,277 |
| Cost of funding earning assets | 0.9228% | 1,804 |
| Net interest margin | 2.6420% | 6,595 |
| Noninterest income to average assets | 0.0451% | 6,709 |
| Noninterest expense to average assets | 2.4417% | 5,280 |
| Loan and lease loss provision to assets | 0.6415% | 835 |
| Net operating income to assets | -0.3540% | 6,483 |
| Return on assets (ROA) | -0.3476% | 6,527 |
| Pretax return on assets | -0.5239% | 6,581 |
| Return on Equity (ROE) | -2.3243% | 6,471 |
| Retained earnings to average equity (ytd only) | -2.3243% | 6,204 |
| Net charge-offs to loans | 1.0121% | 1,075 |
| Credit loss provision to net charge-offs | 112.5052% | 2,587 |
| Earnings coverage of net charge-offs (x) | 0.1892% | 5,383 |
| Efficiency ratio | 95.7677% | 718 |
| Assets per employee ($millions) | 5.7710% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 6,544 |
| Loan loss allowance to noncurrent loans | 35.3324% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 1.3943% | 3,308 |
| Noncurrent loans to loans | 2.1690% | 2,502 |
| Net loans and leases to total assets | 53.4206% | 4,702 |
| Net loans and leases to deposits | 63.1842% | 4,640 |
| Net loans and leases to core deposits | 65.7543% | 4,765 |
| Total domestic deposits to total assets | 84.5474% | 4,067 |
| Equity capital to assets | 14.8057% | 790 |
| Core capital (leverage) ratio | 14.6686% | 637 |
| Tier 1 risk-based capital ratio | 35.9278% | 318 |
| Total risk-based capital ratio | 36.9375% | 320 |
| Memoranda: | ||
| Average total assets | $423,516,600 | 1,554 |
| Average earning assets | $401,475,200 | 1,498 |
| Average equity | $63,332,000 | 1,121 |
| Average total loans | $238,603,800 | 1,724 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 6,385 |
| Cost of funding earning assets | 0.9607% | 1,779 |
| Net interest margin | 2.6471% | 6,704 |
| Noninterest income to average assets | 0.0336% | 6,855 |
| Noninterest expense to average assets | 2.3791% | 5,459 |
| Loan and lease loss provision to assets | 0.4040% | 1,586 |
| Net operating income to assets | -0.2371% | 6,519 |
| Return on assets (ROA) | -0.2242% | 6,584 |
| Pretax return on assets | -0.2242% | 6,555 |
| Return on Equity (ROE) | -1.4954% | 6,531 |
| Retained earnings to average equity (ytd only) | -1.4954% | 6,332 |
| Net charge-offs to loans | 0.6425% | 1,711 |
| Credit loss provision to net charge-offs | 110.3952% | 2,656 |
| Earnings coverage of net charge-offs (x) | 0.4562% | 5,093 |
| Efficiency ratio | 93.4428% | 813 |
| Assets per employee ($millions) | 5.9243% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 6,784 |
| Loan loss allowance to noncurrent loans | 26.7388% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 1.6620% | 3,089 |
| Noncurrent loans to loans | 2.4927% | 2,306 |
| Net loans and leases to total assets | 55.1663% | 4,575 |
| Net loans and leases to deposits | 65.4295% | 4,545 |
| Net loans and leases to core deposits | 68.0051% | 4,723 |
| Total domestic deposits to total assets | 84.3142% | 4,074 |
| Equity capital to assets | 15.0534% | 807 |
| Core capital (leverage) ratio | 14.7686% | 652 |
| Tier 1 risk-based capital ratio | 36.3255% | 320 |
| Total risk-based capital ratio | 37.2371% | 321 |
| Memoranda: | ||
| Average total assets | $424,075,000 | 1,564 |
| Average earning assets | $402,492,000 | 1,514 |
| Average equity | $63,571,500 | 1,126 |
| Average total loans | $241,557,250 | 1,719 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 6,379 |
| Cost of funding earning assets | 1.0030% | 1,744 |
| Net interest margin | 2.6706% | 6,744 |
| Noninterest income to average assets | 0.0212% | 6,943 |
| Noninterest expense to average assets | 2.4237% | 5,373 |
| Loan and lease loss provision to assets | 0.1646% | 3,457 |
| Net operating income to assets | -0.0287% | 6,357 |
| Return on assets (ROA) | -0.0094% | 6,465 |
| Pretax return on assets | -0.0094% | 6,460 |
| Return on Equity (ROE) | -0.0628% | 6,461 |
| Retained earnings to average equity (ytd only) | -0.0628% | 6,047 |
| Net charge-offs to loans | 0.3825% | 2,490 |
| Credit loss provision to net charge-offs | 74.9465% | 3,460 |
| Earnings coverage of net charge-offs (x) | 0.6188% | 4,755 |
| Efficiency ratio | 94.6895% | 775 |
| Assets per employee ($millions) | 5.7814% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5493% | 6,980 |
| Loan loss allowance to noncurrent loans | 21.6017% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 1.6035% | 3,312 |
| Noncurrent loans to loans | 2.5428% | 2,369 |
| Net loans and leases to total assets | 55.8202% | 4,497 |
| Net loans and leases to deposits | 65.9453% | 4,512 |
| Net loans and leases to core deposits | 68.6207% | 4,715 |
| Total domestic deposits to total assets | 84.6462% | 4,034 |
| Equity capital to assets | 14.8926% | 814 |
| Core capital (leverage) ratio | 14.8520% | 625 |
| Tier 1 risk-based capital ratio | 36.2377% | 315 |
| Total risk-based capital ratio | 36.9928% | 318 |
| Memoranda: | ||
| Average total assets | $425,224,000 | 1,566 |
| Average earning assets | $404,184,330 | 1,507 |
| Average equity | $63,655,670 | 1,115 |
| Average total loans | $244,209,000 | 1,695 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 6,250 |
| Cost of funding earning assets | 1.0707% | 1,550 |
| Net interest margin | 2.7266% | 6,745 |
| Noninterest income to average assets | 0.0160% | 7,060 |
| Noninterest expense to average assets | 2.4051% | 5,456 |
| Loan and lease loss provision to assets | 0.1444% | 3,560 |
| Net operating income to assets | 0.0345% | 6,360 |
| Return on assets (ROA) | 0.0585% | 6,437 |
| Pretax return on assets | 0.0878% | 6,403 |
| Return on Equity (ROE) | 0.3898% | 6,465 |
| Retained earnings to average equity (ytd only) | 0.3898% | 5,870 |
| Net charge-offs to loans | 0.3899% | 2,130 |
| Credit loss provision to net charge-offs | 63.7500% | 3,046 |
| Earnings coverage of net charge-offs (x) | 0.8667% | 3,897 |
| Efficiency ratio | 92.4556% | 914 |
| Assets per employee ($millions) | 5.6595% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 7,025 |
| Loan loss allowance to noncurrent loans | 32.9346% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 4,149 |
| Noncurrent loans to loans | 1.6775% | 3,588 |
| Net loans and leases to total assets | 57.2089% | 4,185 |
| Net loans and leases to deposits | 67.6165% | 4,123 |
| Net loans and leases to core deposits | 70.3224% | 4,366 |
| Total domestic deposits to total assets | 84.6079% | 4,216 |
| Equity capital to assets | 14.9984% | 747 |
| Core capital (leverage) ratio | 14.9521% | 605 |
| Tier 1 risk-based capital ratio | 36.1400% | 309 |
| Total risk-based capital ratio | 36.9132% | 316 |
| Memoranda: | ||
| Average total assets | $423,925,000 | 1,570 |
| Average earning assets | $401,963,000 | 1,513 |
| Average equity | $63,626,500 | 1,108 |
| Average total loans | $246,248,500 | 1,681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 6,284 |
| Cost of funding earning assets | 1.3295% | 1,344 |
| Net interest margin | 2.7678% | 6,857 |
| Noninterest income to average assets | 0.0638% | 6,778 |
| Noninterest expense to average assets | 2.3329% | 5,970 |
| Loan and lease loss provision to assets | 0.3666% | 2,796 |
| Net operating income to assets | -0.0080% | 6,055 |
| Return on assets (ROA) | -0.0057% | 6,167 |
| Pretax return on assets | -0.0061% | 6,137 |
| Return on Equity (ROE) | -0.0379% | 6,166 |
| Retained earnings to average equity (ytd only) | -0.0379% | 5,849 |
| Net charge-offs to loans | 0.8330% | 2,085 |
| Credit loss provision to net charge-offs | 72.4860% | 4,755 |
| Earnings coverage of net charge-offs (x) | 0.7076% | 5,280 |
| Efficiency ratio | 86.6982% | 1,479 |
| Assets per employee ($millions) | 5.8804% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 7,029 |
| Loan loss allowance to noncurrent loans | 32.6735% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3425% | 3,985 |
| Noncurrent loans to loans | 1.7699% | 3,506 |
| Net loans and leases to total assets | 58.3111% | 4,314 |
| Net loans and leases to deposits | 68.9664% | 4,280 |
| Net loans and leases to core deposits | 71.6640% | 4,573 |
| Total domestic deposits to total assets | 84.5500% | 4,066 |
| Equity capital to assets | 15.0194% | 778 |
| Core capital (leverage) ratio | 14.9653% | 609 |
| Tier 1 risk-based capital ratio | 35.9897% | 309 |
| Total risk-based capital ratio | 36.8105% | 313 |
| Memoranda: | ||
| Average total assets | $424,670,800 | 1,534 |
| Average earning assets | $403,069,600 | 1,479 |
| Average equity | $63,257,800 | 1,067 |
| Average total loans | $257,866,400 | 1,634 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 6,342 |
| Cost of funding earning assets | 1.3799% | 1,319 |
| Net interest margin | 2.7528% | 6,943 |
| Noninterest income to average assets | 0.0653% | 6,895 |
| Noninterest expense to average assets | 2.3592% | 5,883 |
| Loan and lease loss provision to assets | 0.4022% | 2,438 |
| Net operating income to assets | -0.0825% | 6,263 |
| Return on assets (ROA) | -0.0791% | 6,346 |
| Pretax return on assets | -0.0791% | 6,316 |
| Return on Equity (ROE) | -0.5318% | 6,323 |
| Retained earnings to average equity (ytd only) | -0.5318% | 6,078 |
| Net charge-offs to loans | 0.9964% | 1,617 |
| Credit loss provision to net charge-offs | 65.9126% | 4,607 |
| Earnings coverage of net charge-offs (x) | 0.5239% | 5,239 |
| Efficiency ratio | 88.0665% | 1,337 |
| Assets per employee ($millions) | 5.9304% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5354% | 7,144 |
| Loan loss allowance to noncurrent loans | 18.9260% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 1.7722% | 3,442 |
| Noncurrent loans to loans | 2.8292% | 2,461 |
| Net loans and leases to total assets | 59.3403% | 4,267 |
| Net loans and leases to deposits | 70.0592% | 4,295 |
| Net loans and leases to core deposits | 72.8282% | 4,603 |
| Total domestic deposits to total assets | 84.7003% | 3,911 |
| Equity capital to assets | 14.8407% | 892 |
| Core capital (leverage) ratio | 14.7614% | 712 |
| Tier 1 risk-based capital ratio | 34.4873% | 370 |
| Total risk-based capital ratio | 35.2368% | 373 |
| Memoranda: | ||
| Average total assets | $424,992,000 | 1,544 |
| Average earning assets | $403,502,500 | 1,491 |
| Average equity | $63,174,750 | 1,073 |
| Average total loans | $260,253,750 | 1,631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 6,357 |
| Cost of funding earning assets | 1.4348% | 1,260 |
| Net interest margin | 2.7299% | 6,997 |
| Noninterest income to average assets | 0.0594% | 7,008 |
| Noninterest expense to average assets | 2.4090% | 5,815 |
| Loan and lease loss provision to assets | 0.4261% | 2,302 |
| Net operating income to assets | -0.1866% | 6,459 |
| Return on assets (ROA) | -0.1815% | 6,485 |
| Pretax return on assets | -0.1815% | 6,440 |
| Return on Equity (ROE) | -1.2201% | 6,431 |
| Retained earnings to average equity (ytd only) | -1.2201% | 6,098 |
| Net charge-offs to loans | 0.4922% | 2,628 |
| Credit loss provision to net charge-offs | 140.1550% | 2,170 |
| Earnings coverage of net charge-offs (x) | 0.7876% | 4,709 |
| Efficiency ratio | 90.9592% | 1,168 |
| Assets per employee ($millions) | 5.9665% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,699 |
| Loan loss allowance to noncurrent loans | 35.0775% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 3,755 |
| Noncurrent loans to loans | 2.5215% | 2,867 |
| Net loans and leases to total assets | 60.4726% | 4,190 |
| Net loans and leases to deposits | 71.3765% | 4,220 |
| Net loans and leases to core deposits | 74.0164% | 4,582 |
| Total domestic deposits to total assets | 84.7235% | 4,005 |
| Equity capital to assets | 14.9019% | 843 |
| Core capital (leverage) ratio | 14.7865% | 708 |
| Tier 1 risk-based capital ratio | 34.1105% | 383 |
| Total risk-based capital ratio | 35.3572% | 371 |
| Memoranda: | ||
| Average total assets | $424,326,670 | 1,560 |
| Average earning assets | $402,435,330 | 1,508 |
| Average equity | $63,110,330 | 1,073 |
| Average total loans | $262,091,670 | 1,643 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 6,359 |
| Cost of funding earning assets | 1.4829% | 1,243 |
| Net interest margin | 2.6847% | 7,031 |
| Noninterest income to average assets | 0.0593% | 7,098 |
| Noninterest expense to average assets | 2.3754% | 5,964 |
| Loan and lease loss provision to assets | 0.3438% | 2,503 |
| Net operating income to assets | -0.1055% | 6,464 |
| Return on assets (ROA) | -0.1017% | 6,479 |
| Pretax return on assets | -0.1017% | 6,450 |
| Return on Equity (ROE) | -0.6846% | 6,449 |
| Retained earnings to average equity (ytd only) | -0.6846% | 5,924 |
| Net charge-offs to loans | 0.1349% | 3,707 |
| Credit loss provision to net charge-offs | 410.1124% | 825 |
| Earnings coverage of net charge-offs (x) | 2.8427% | 2,947 |
| Efficiency ratio | 90.8829% | 1,252 |
| Assets per employee ($millions) | 5.9859% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 6,751 |
| Loan loss allowance to noncurrent loans | 31.8578% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 3,474 |
| Noncurrent loans to loans | 2.7546% | 2,744 |
| Net loans and leases to total assets | 61.2066% | 4,037 |
| Net loans and leases to deposits | 72.1189% | 4,061 |
| Net loans and leases to core deposits | 75.0411% | 4,421 |
| Total domestic deposits to total assets | 84.8691% | 4,098 |
| Equity capital to assets | 14.8556% | 796 |
| Core capital (leverage) ratio | 14.7872% | 695 |
| Tier 1 risk-based capital ratio | 37.8800% | 274 |
| Total risk-based capital ratio | 39.1399% | 270 |
| Memoranda: | ||
| Average total assets | $424,681,000 | 1,565 |
| Average earning assets | $404,067,000 | 1,509 |
| Average equity | $63,102,000 | 1,063 |
| Average total loans | $263,908,000 | 1,650 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 6,700 |
| Cost of funding earning assets | 1.7344% | 1,448 |
| Net interest margin | 2.6153% | 7,192 |
| Noninterest income to average assets | 0.0650% | 7,042 |
| Noninterest expense to average assets | 2.3027% | 6,353 |
| Loan and lease loss provision to assets | 0.2729% | 4,621 |
| Net operating income to assets | -0.0131% | 5,861 |
| Return on assets (ROA) | -0.0090% | 5,970 |
| Pretax return on assets | -0.0112% | 5,912 |
| Return on Equity (ROE) | -0.0598% | 5,969 |
| Retained earnings to average equity (ytd only) | -0.0598% | 5,605 |
| Net charge-offs to loans | 0.1709% | 5,301 |
| Credit loss provision to net charge-offs | 248.3801% | 1,154 |
| Earnings coverage of net charge-offs (x) | 2.3369% | 3,977 |
| Efficiency ratio | 89.9694% | 1,330 |
| Assets per employee ($millions) | 5.8939% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 7,037 |
| Loan loss allowance to noncurrent loans | 35.1666% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 4,124 |
| Noncurrent loans to loans | 2.1719% | 3,344 |
| Net loans and leases to total assets | 62.0597% | 4,273 |
| Net loans and leases to deposits | 73.1459% | 4,338 |
| Net loans and leases to core deposits | 76.0637% | 4,704 |
| Total domestic deposits to total assets | 84.8437% | 3,931 |
| Equity capital to assets | 14.8618% | 824 |
| Core capital (leverage) ratio | 14.8128% | 690 |
| Tier 1 risk-based capital ratio | 37.7174% | 283 |
| Total risk-based capital ratio | 38.9334% | 274 |
| Memoranda: | ||
| Average total assets | $421,467,400 | 1,575 |
| Average earning assets | $401,986,800 | 1,514 |
| Average equity | $63,521,400 | 1,049 |
| Average total loans | $270,995,400 | 1,645 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 6,848 |
| Cost of funding earning assets | 1.7662% | 1,564 |
| Net interest margin | 2.6137% | 7,306 |
| Noninterest income to average assets | 0.0631% | 7,209 |
| Noninterest expense to average assets | 2.3849% | 6,078 |
| Loan and lease loss provision to assets | 0.2120% | 4,948 |
| Net operating income to assets | -0.0387% | 6,079 |
| Return on assets (ROA) | -0.0320% | 6,180 |
| Pretax return on assets | -0.0320% | 6,140 |
| Return on Equity (ROE) | -0.2116% | 6,164 |
| Retained earnings to average equity (ytd only) | -0.2116% | 5,829 |
| Net charge-offs to loans | 0.1924% | 4,799 |
| Credit loss provision to net charge-offs | 170.2290% | 2,183 |
| Earnings coverage of net charge-offs (x) | 1.3919% | 4,692 |
| Efficiency ratio | 93.2243% | 1,042 |
| Assets per employee ($millions) | 6.0910% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 7,345 |
| Loan loss allowance to noncurrent loans | 31.8486% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2499% | 4,650 |
| Noncurrent loans to loans | 1.8952% | 3,806 |
| Net loans and leases to total assets | 62.4150% | 4,444 |
| Net loans and leases to deposits | 73.6655% | 4,570 |
| Net loans and leases to core deposits | 76.2877% | 5,022 |
| Total domestic deposits to total assets | 84.7276% | 3,763 |
| Equity capital to assets | 14.8711% | 925 |
| Core capital (leverage) ratio | 14.8623% | 741 |
| Tier 1 risk-based capital ratio | 37.1583% | 306 |
| Total risk-based capital ratio | 38.1143% | 302 |
| Memoranda: | ||
| Average total assets | $420,743,250 | 1,601 |
| Average earning assets | $401,674,000 | 1,535 |
| Average equity | $63,634,750 | 1,048 |
| Average total loans | $272,397,750 | 1,657 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 6,806 |
| Cost of funding earning assets | 1.7915% | 1,675 |
| Net interest margin | 2.6581% | 7,293 |
| Noninterest income to average assets | 0.0812% | 7,184 |
| Noninterest expense to average assets | 2.3525% | 6,209 |
| Loan and lease loss provision to assets | 0.1819% | 5,049 |
| Net operating income to assets | 0.0574% | 5,975 |
| Return on assets (ROA) | 0.0640% | 6,060 |
| Pretax return on assets | 0.0965% | 5,986 |
| Return on Equity (ROE) | 0.4206% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.4206% | 5,601 |
| Net charge-offs to loans | 0.1299% | 4,902 |
| Credit loss provision to net charge-offs | 214.0449% | 1,821 |
| Earnings coverage of net charge-offs (x) | 3.1573% | 3,428 |
| Efficiency ratio | 89.7613% | 1,352 |
| Assets per employee ($millions) | 6.0577% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 7,450 |
| Loan loss allowance to noncurrent loans | 37.9302% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 5,217 |
| Noncurrent loans to loans | 1.4948% | 4,462 |
| Net loans and leases to total assets | 63.8165% | 4,299 |
| Net loans and leases to deposits | 75.4214% | 4,433 |
| Net loans and leases to core deposits | 78.1746% | 4,924 |
| Total domestic deposits to total assets | 84.6132% | 3,814 |
| Equity capital to assets | 15.0147% | 879 |
| Core capital (leverage) ratio | 15.0162% | 718 |
| Tier 1 risk-based capital ratio | 36.0888% | 322 |
| Total risk-based capital ratio | 36.9706% | 321 |
| Memoranda: | ||
| Average total assets | $418,867,670 | 1,626 |
| Average earning assets | $400,217,670 | 1,547 |
| Average equity | $63,711,000 | 1,048 |
| Average total loans | $273,952,000 | 1,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 6,803 |
| Cost of funding earning assets | 1.8239% | 1,777 |
| Net interest margin | 2.6689% | 7,327 |
| Noninterest income to average assets | 0.0740% | 7,337 |
| Noninterest expense to average assets | 2.3599% | 6,210 |
| Loan and lease loss provision to assets | 0.0413% | 6,261 |
| Net operating income to assets | 0.1470% | 5,872 |
| Return on assets (ROA) | 0.1470% | 5,996 |
| Pretax return on assets | 0.2220% | 5,815 |
| Return on Equity (ROE) | 0.9603% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.9603% | 5,431 |
| Net charge-offs to loans | 0.2532% | 3,428 |
| Credit loss provision to net charge-offs | 24.7126% | 4,892 |
| Earnings coverage of net charge-offs (x) | 1.5747% | 3,783 |
| Efficiency ratio | 89.9634% | 1,442 |
| Assets per employee ($millions) | 5.9550% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4423% | 7,654 |
| Loan loss allowance to noncurrent loans | 32.7642% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 5,317 |
| Noncurrent loans to loans | 1.3500% | 4,723 |
| Net loans and leases to total assets | 65.2806% | 4,047 |
| Net loans and leases to deposits | 77.3845% | 4,152 |
| Net loans and leases to core deposits | 80.1438% | 4,745 |
| Total domestic deposits to total assets | 84.3588% | 3,971 |
| Equity capital to assets | 15.2984% | 811 |
| Core capital (leverage) ratio | 15.2545% | 700 |
| Tier 1 risk-based capital ratio | 36.0780% | 329 |
| Total risk-based capital ratio | 36.7646% | 334 |
| Memoranda: | ||
| Average total assets | $416,282,500 | 1,674 |
| Average earning assets | $397,616,000 | 1,599 |
| Average equity | $63,732,500 | 1,049 |
| Average total loans | $274,853,500 | 1,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 6,582 |
| Cost of funding earning assets | 2.1493% | 2,238 |
| Net interest margin | 2.8015% | 7,059 |
| Noninterest income to average assets | 0.0773% | 7,363 |
| Noninterest expense to average assets | 2.5178% | 6,066 |
| Loan and lease loss provision to assets | 0.2614% | 5,316 |
| Net operating income to assets | -0.0327% | 5,555 |
| Return on assets (ROA) | 0.0012% | 5,536 |
| Pretax return on assets | 0.0017% | 5,442 |
| Return on Equity (ROE) | 0.0078% | 5,537 |
| Retained earnings to average equity (ytd only) | 0.0078% | 4,904 |
| Net charge-offs to loans | 0.1101% | 6,058 |
| Credit loss provision to net charge-offs | 341.2338% | 949 |
| Earnings coverage of net charge-offs (x) | 2.8117% | 3,686 |
| Efficiency ratio | 92.1201% | 1,557 |
| Assets per employee ($millions) | 5.6178% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4848% | 7,679 |
| Loan loss allowance to noncurrent loans | 46.1910% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 5,577 |
| Noncurrent loans to loans | 1.0497% | 5,220 |
| Net loans and leases to total assets | 66.1597% | 4,118 |
| Net loans and leases to deposits | 78.6092% | 4,255 |
| Net loans and leases to core deposits | 97.1536% | 4,333 |
| Total domestic deposits to total assets | 84.1628% | 3,960 |
| Equity capital to assets | 15.3215% | 840 |
| Core capital (leverage) ratio | 15.2953% | 722 |
| Tier 1 risk-based capital ratio | 34.9735% | 343 |
| Total risk-based capital ratio | 35.7129% | 347 |
| Memoranda: | ||
| Average total assets | $402,095,600 | 1,708 |
| Average earning assets | $381,192,600 | 1,648 |
| Average equity | $64,106,400 | 1,031 |
| Average total loans | $279,844,200 | 1,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 6,447 |
| Cost of funding earning assets | 2.2066% | 2,384 |
| Net interest margin | 2.8447% | 6,974 |
| Noninterest income to average assets | 0.0846% | 7,478 |
| Noninterest expense to average assets | 2.5590% | 5,860 |
| Loan and lease loss provision to assets | 0.2542% | 4,917 |
| Net operating income to assets | -0.0361% | 5,774 |
| Return on assets (ROA) | -0.0314% | 5,825 |
| Pretax return on assets | -0.0314% | 5,754 |
| Return on Equity (ROE) | -0.1952% | 5,810 |
| Retained earnings to average equity (ytd only) | -0.1952% | 5,261 |
| Net charge-offs to loans | 0.0598% | 6,107 |
| Credit loss provision to net charge-offs | 603.1746% | 634 |
| Earnings coverage of net charge-offs (x) | 5.1745% | 2,903 |
| Efficiency ratio | 92.1484% | 1,530 |
| Assets per employee ($millions) | 5.4563% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4423% | 7,781 |
| Loan loss allowance to noncurrent loans | 62.9990% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 6,173 |
| Noncurrent loans to loans | 0.7021% | 5,894 |
| Net loans and leases to total assets | 67.7102% | 4,021 |
| Net loans and leases to deposits | 80.9072% | 4,218 |
| Net loans and leases to core deposits | 99.6218% | 4,416 |
| Total domestic deposits to total assets | 83.6887% | 3,867 |
| Equity capital to assets | 15.6730% | 856 |
| Core capital (leverage) ratio | 15.5636% | 749 |
| Tier 1 risk-based capital ratio | 35.0558% | 380 |
| Total risk-based capital ratio | 35.7378% | 391 |
| Memoranda: | ||
| Average total assets | $398,690,250 | 1,741 |
| Average earning assets | $377,350,000 | 1,683 |
| Average equity | $64,209,500 | 1,047 |
| Average total loans | $280,711,000 | 1,734 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 6,252 |
| Cost of funding earning assets | 2.2670% | 2,502 |
| Net interest margin | 2.8835% | 6,839 |
| Noninterest income to average assets | 0.0982% | 7,491 |
| Noninterest expense to average assets | 2.5553% | 5,922 |
| Loan and lease loss provision to assets | 0.0552% | 6,673 |
| Net operating income to assets | 0.1342% | 5,465 |
| Return on assets (ROA) | 0.1361% | 5,560 |
| Pretax return on assets | 0.2085% | 5,446 |
| Return on Equity (ROE) | 0.8376% | 5,678 |
| Retained earnings to average equity (ytd only) | 0.8376% | 4,849 |
| Net charge-offs to loans | 0.0853% | 5,355 |
| Credit loss provision to net charge-offs | 90.8333% | 4,895 |
| Earnings coverage of net charge-offs (x) | 4.2917% | 3,146 |
| Efficiency ratio | 90.7441% | 1,748 |
| Assets per employee ($millions) | 5.5332% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2088% | 8,062 |
| Loan loss allowance to noncurrent loans | 24.5188% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 5,836 |
| Noncurrent loans to loans | 0.8516% | 5,521 |
| Net loans and leases to total assets | 69.3355% | 3,869 |
| Net loans and leases to deposits | 83.0942% | 4,028 |
| Net loans and leases to core deposits | 101.7416% | 4,302 |
| Total domestic deposits to total assets | 83.4420% | 4,041 |
| Equity capital to assets | 15.9262% | 843 |
| Core capital (leverage) ratio | 15.9740% | 743 |
| Tier 1 risk-based capital ratio | 35.5008% | 401 |
| Total risk-based capital ratio | 35.8279% | 423 |
| Memoranda: | ||
| Average total assets | $395,178,670 | 1,782 |
| Average earning assets | $372,467,000 | 1,729 |
| Average equity | $64,233,330 | 1,057 |
| Average total loans | $281,508,670 | 1,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 5,965 |
| Cost of funding earning assets | 2.3673% | 2,426 |
| Net interest margin | 2.9146% | 6,709 |
| Noninterest income to average assets | 0.0757% | 7,674 |
| Noninterest expense to average assets | 2.5291% | 5,732 |
| Loan and lease loss provision to assets | 0.0174% | 6,653 |
| Net operating income to assets | 0.1883% | 5,688 |
| Return on assets (ROA) | 0.1883% | 5,863 |
| Pretax return on assets | 0.2600% | 5,783 |
| Return on Equity (ROE) | 1.1467% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.1467% | 5,182 |
| Net charge-offs to loans | 0.0128% | 5,428 |
| Credit loss provision to net charge-offs | 188.8889% | 2,324 |
| Earnings coverage of net charge-offs (x) | 30.1111% | 1,053 |
| Efficiency ratio | 90.1167% | 1,710 |
| Assets per employee ($millions) | 5.3665% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2153% | 8,098 |
| Loan loss allowance to noncurrent loans | 33.2966% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 6,096 |
| Noncurrent loans to loans | 0.6467% | 5,791 |
| Net loans and leases to total assets | 71.5634% | 3,333 |
| Net loans and leases to deposits | 86.1411% | 3,602 |
| Net loans and leases to core deposits | 105.5109% | 3,971 |
| Total domestic deposits to total assets | 83.0770% | 4,104 |
| Equity capital to assets | 16.3980% | 811 |
| Core capital (leverage) ratio | 16.2212% | 751 |
| Tier 1 risk-based capital ratio | 35.6984% | 417 |
| Total risk-based capital ratio | 36.0384% | 431 |
| Memoranda: | ||
| Average total assets | $390,805,000 | 1,800 |
| Average earning assets | $366,160,000 | 1,764 |
| Average equity | $64,185,000 | 1,059 |
| Average total loans | $281,938,000 | 1,767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 7,342 |
| Cost of funding earning assets | 2.6311% | 3,524 |
| Net interest margin | 2.8508% | 7,252 |
| Noninterest income to average assets | 0.0704% | 7,791 |
| Noninterest expense to average assets | 2.4525% | 6,193 |
| Loan and lease loss provision to assets | 0.0234% | 7,105 |
| Net operating income to assets | 0.1988% | 5,850 |
| Return on assets (ROA) | 0.1329% | 5,860 |
| Pretax return on assets | 0.2022% | 5,726 |
| Return on Equity (ROE) | 0.8117% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.8117% | 4,737 |
| Net charge-offs to loans | 0.0014% | 7,014 |
| Credit loss provision to net charge-offs | 2,275.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 316.7500% | 152 |
| Efficiency ratio | 88.2805% | 1,658 |
| Assets per employee ($millions) | 5.3405% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2110% | 8,153 |
| Loan loss allowance to noncurrent loans | 95.9807% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 6,933 |
| Noncurrent loans to loans | 0.2199% | 6,733 |
| Net loans and leases to total assets | 72.4169% | 3,499 |
| Net loans and leases to deposits | 87.4199% | 3,878 |
| Net loans and leases to core deposits | 105.6073% | 4,231 |
| Total domestic deposits to total assets | 82.8379% | 3,833 |
| Equity capital to assets | 16.4497% | 847 |
| Core capital (leverage) ratio | 16.2362% | 791 |
| Tier 1 risk-based capital ratio | 34.8994% | 448 |
| Total risk-based capital ratio | 35.2282% | 470 |
| Memoranda: | ||
| Average total assets | $389,149,600 | 1,742 |
| Average earning assets | $369,616,600 | 1,686 |
| Average equity | $63,690,200 | 1,048 |
| Average total loans | $282,639,000 | 1,706 |