Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,993 |
| Cost of funding earning assets | 1.3045% | 2,502 |
| Net interest margin | 3.7372% | 1,681 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.6504% | 481 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.0225% | 4,311 |
| Return on assets (ROA) | 0.0225% | 4,337 |
| Pretax return on assets | 0.0058% | 4,335 |
| Return on Equity (ROE) | 0.2500% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.2544% | 3,993 |
| Net charge-offs to loans | -0.0045% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.3093% | 186 |
| Assets per employee ($millions) | 4.5003% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 2,994 |
| Loan loss allowance to noncurrent loans | 742.8571% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,708 |
| Noncurrent loans to loans | 0.1436% | 2,797 |
| Net loans and leases to total assets | 86.0100% | 159 |
| Net loans and leases to deposits | 99.9073% | 541 |
| Net loans and leases to core deposits | 105.8809% | 1,117 |
| Total domestic deposits to total assets | 86.0900% | 1,985 |
| Equity capital to assets | 8.6471% | 2,935 |
| Core capital (leverage) ratio | 7.5677% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2793% | 2,884 |
| Memoranda: | ||
| Average total assets | $310,975,400 | 2,369 |
| Average earning assets | $284,865,000 | 2,385 |
| Average equity | $27,520,000 | 2,390 |
| Average total loans | $268,786,400 | 1,918 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 1,912 |
| Cost of funding earning assets | 1.2276% | 2,344 |
| Net interest margin | 3.7351% | 1,714 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 3.6527% | 464 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.0298% | 4,357 |
| Return on assets (ROA) | 0.0298% | 4,379 |
| Pretax return on assets | 0.0164% | 4,377 |
| Return on Equity (ROE) | 0.3300% | 4,365 |
| Retained earnings to average equity (ytd only) | 0.3346% | 4,065 |
| Net charge-offs to loans | -0.0045% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.1302% | 179 |
| Assets per employee ($millions) | 4.5236% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 2,988 |
| Loan loss allowance to noncurrent loans | 694.3794% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,674 |
| Noncurrent loans to loans | 0.1549% | 2,778 |
| Net loans and leases to total assets | 84.9000% | 222 |
| Net loans and leases to deposits | 94.1442% | 885 |
| Net loans and leases to core deposits | 100.9582% | 1,262 |
| Total domestic deposits to total assets | 90.1800% | 896 |
| Equity capital to assets | 8.4219% | 2,773 |
| Core capital (leverage) ratio | 7.4723% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3402% | 2,893 |
| Memoranda: | ||
| Average total assets | $308,839,500 | 2,388 |
| Average earning assets | $283,250,250 | 2,396 |
| Average equity | $27,492,750 | 2,378 |
| Average total loans | $266,533,750 | 1,930 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 1,949 |
| Cost of funding earning assets | 1.0870% | 2,328 |
| Net interest margin | 3.7347% | 1,748 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.6767% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0046% | 4,413 |
| Return on assets (ROA) | 0.0046% | 4,449 |
| Pretax return on assets | -0.0190% | 4,465 |
| Return on Equity (ROE) | 0.0500% | 4,436 |
| Retained earnings to average equity (ytd only) | 0.0507% | 4,061 |
| Net charge-offs to loans | -0.0046% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.5926% | 163 |
| Assets per employee ($millions) | 4.5544% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 2,965 |
| Loan loss allowance to noncurrent loans | 480.3514% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 2,199 |
| Noncurrent loans to loans | 0.2284% | 2,347 |
| Net loans and leases to total assets | 86.2500% | 140 |
| Net loans and leases to deposits | 99.4653% | 543 |
| Net loans and leases to core deposits | 106.6385% | 961 |
| Total domestic deposits to total assets | 86.7100% | 2,019 |
| Equity capital to assets | 8.6835% | 2,727 |
| Core capital (leverage) ratio | 7.7208% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5270% | 2,905 |
| Memoranda: | ||
| Average total assets | $304,727,667 | 2,420 |
| Average earning assets | $280,397,667 | 2,421 |
| Average equity | $27,640,667 | 2,384 |
| Average total loans | $263,495,333 | 1,938 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,997 |
| Cost of funding earning assets | 0.7949% | 2,753 |
| Net interest margin | 3.8442% | 1,592 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 3.6978% | 444 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 0.1147% | 4,422 |
| Return on assets (ROA) | 0.1147% | 4,394 |
| Pretax return on assets | 0.1333% | 4,388 |
| Return on Equity (ROE) | 1.2400% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.2367% | 3,834 |
| Net charge-offs to loans | -0.0062% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.3682% | 197 |
| Assets per employee ($millions) | 4.2241% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 2,964 |
| Loan loss allowance to noncurrent loans | 513.9130% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,200 |
| Noncurrent loans to loans | 0.2176% | 2,390 |
| Net loans and leases to total assets | 85.9300% | 135 |
| Net loans and leases to deposits | 95.5169% | 680 |
| Net loans and leases to core deposits | 101.1323% | 1,039 |
| Total domestic deposits to total assets | 89.9600% | 1,171 |
| Equity capital to assets | 9.0354% | 2,493 |
| Core capital (leverage) ratio | 8.1077% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0156% | 2,943 |
| Memoranda: | ||
| Average total assets | $299,965,500 | 2,472 |
| Average earning assets | $276,781,500 | 2,469 |
| Average equity | $27,817,000 | 2,398 |
| Average total loans | $258,218,500 | 1,985 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4529% | 3,200 |
| Cost of funding earning assets | 0.1392% | 4,181 |
| Net interest margin | 3.3137% | 2,532 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.3002% | 624 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | -0.0643% | 4,587 |
| Return on assets (ROA) | -0.0643% | 4,574 |
| Pretax return on assets | -0.1134% | 4,573 |
| Return on Equity (ROE) | -0.6900% | 4,565 |
| Retained earnings to average equity (ytd only) | -0.6948% | 4,420 |
| Net charge-offs to loans | -0.0062% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 100.5018% | 142 |
| Assets per employee ($millions) | 4.1082% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 4,241 |
| Loan loss allowance to noncurrent loans | 287.5000% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,171 |
| Noncurrent loans to loans | 0.2348% | 2,334 |
| Net loans and leases to total assets | 84.6700% | 216 |
| Net loans and leases to deposits | 94.7072% | 733 |
| Net loans and leases to core deposits | 96.6696% | 1,166 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 9.5181% | 1,993 |
| Core capital (leverage) ratio | 8.1980% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1458% | 2,947 |
| Memoranda: | ||
| Average total assets | $309,530,000 | 2,408 |
| Average earning assets | $286,599,800 | 2,405 |
| Average equity | $28,641,400 | 2,399 |
| Average total loans | $210,992,200 | 2,160 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1451% | 3,566 |
| Cost of funding earning assets | 0.1025% | 4,262 |
| Net interest margin | 3.0426% | 3,107 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 3.2080% | 684 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | -0.1755% | 4,641 |
| Return on assets (ROA) | -0.1755% | 4,621 |
| Pretax return on assets | -0.2675% | 4,628 |
| Return on Equity (ROE) | -1.9100% | 4,618 |
| Retained earnings to average equity (ytd only) | -1.9098% | 4,487 |
| Net charge-offs to loans | -0.0066% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 105.5805% | 117 |
| Assets per employee ($millions) | 4.3042% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,223 |
| Loan loss allowance to noncurrent loans | 267.4877% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,272 |
| Noncurrent loans to loans | 0.2681% | 2,303 |
| Net loans and leases to total assets | 73.7900% | 1,118 |
| Net loans and leases to deposits | 82.1349% | 1,437 |
| Net loans and leases to core deposits | 83.7294% | 1,675 |
| Total domestic deposits to total assets | 89.8400% | 1,729 |
| Equity capital to assets | 9.0982% | 2,138 |
| Core capital (leverage) ratio | 8.0479% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2260% | 2,744 |
| Memoranda: | ||
| Average total assets | $312,964,250 | 2,402 |
| Average earning assets | $290,096,000 | 2,404 |
| Average equity | $28,763,250 | 2,421 |
| Average total loans | $200,705,000 | 2,223 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8403% | 3,914 |
| Cost of funding earning assets | 0.1032% | 4,158 |
| Net interest margin | 2.7371% | 3,619 |
| Noninterest income to average assets | 0.2295% | 3,812 |
| Noninterest expense to average assets | 3.1564% | 673 |
| Loan and lease loss provision to assets | 0.0507% | 1,673 |
| Net operating income to assets | -0.2987% | 4,654 |
| Return on assets (ROA) | -0.2987% | 4,631 |
| Pretax return on assets | -0.4381% | 4,642 |
| Return on Equity (ROE) | -3.2390% | 4,647 |
| Retained earnings to average equity (ytd only) | -3.2390% | 4,467 |
| Net charge-offs to loans | -0.0073% | 3,464 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9913% | 101 |
| Assets per employee ($millions) | 4.4500% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7090% | 4,317 |
| Loan loss allowance to noncurrent loans | 155.3684% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 1,756 |
| Noncurrent loans to loans | 0.4563% | 1,747 |
| Net loans and leases to total assets | 68.3121% | 1,457 |
| Net loans and leases to deposits | 76.3177% | 1,666 |
| Net loans and leases to core deposits | 77.7784% | 1,867 |
| Total domestic deposits to total assets | 89.5102% | 1,940 |
| Equity capital to assets | 9.3632% | 2,119 |
| Core capital (leverage) ratio | 7.9610% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0186% | 2,488 |
| Memoranda: | ||
| Average total assets | $315,419,333 | 2,408 |
| Average earning assets | $292,644,333 | 2,417 |
| Average equity | $29,083,000 | 2,456 |
| Average total loans | $191,900,333 | 2,287 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5926% | 4,133 |
| Cost of funding earning assets | 0.1056% | 4,060 |
| Net interest margin | 2.4870% | 3,924 |
| Noninterest income to average assets | 0.2212% | 3,829 |
| Noninterest expense to average assets | 3.1110% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4002% | 4,688 |
| Return on assets (ROA) | -0.4002% | 4,672 |
| Pretax return on assets | -0.5779% | 4,688 |
| Return on Equity (ROE) | -4.3723% | 4,694 |
| Retained earnings to average equity (ytd only) | -4.3723% | 4,394 |
| Net charge-offs to loans | -0.0087% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8165% | 80 |
| Assets per employee ($millions) | 4.8934% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 4,296 |
| Loan loss allowance to noncurrent loans | 155.9910% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 2,004 |
| Noncurrent loans to loans | 0.4893% | 1,804 |
| Net loans and leases to total assets | 56.9460% | 2,425 |
| Net loans and leases to deposits | 63.4275% | 2,582 |
| Net loans and leases to core deposits | 64.6422% | 2,747 |
| Total domestic deposits to total assets | 89.7812% | 1,682 |
| Equity capital to assets | 9.1049% | 2,624 |
| Core capital (leverage) ratio | 7.9033% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7035% | 1,914 |
| Memoranda: | ||
| Average total assets | $321,830,000 | 2,386 |
| Average earning assets | $299,157,500 | 2,394 |
| Average equity | $29,458,000 | 2,515 |
| Average total loans | $183,757,000 | 2,345 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0155% | 3,849 |
| Cost of funding earning assets | 0.2051% | 3,414 |
| Net interest margin | 2.8104% | 3,640 |
| Noninterest income to average assets | 0.4792% | 2,679 |
| Noninterest expense to average assets | 3.0287% | 941 |
| Loan and lease loss provision to assets | -0.0444% | 4,323 |
| Net operating income to assets | 0.0810% | 4,634 |
| Return on assets (ROA) | 0.0810% | 4,645 |
| Pretax return on assets | 0.0649% | 4,663 |
| Return on Equity (ROE) | 0.9264% | 4,614 |
| Retained earnings to average equity (ytd only) | 0.9264% | 4,273 |
| Net charge-offs to loans | -0.0737% | 4,478 |
| Credit loss provision to net charge-offs | 94.8905% | 1,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3279% | 153 |
| Assets per employee ($millions) | 4.9332% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,346 |
| Loan loss allowance to noncurrent loans | 150.6508% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 2,124 |
| Noncurrent loans to loans | 0.4984% | 1,876 |
| Net loans and leases to total assets | 56.3912% | 2,554 |
| Net loans and leases to deposits | 62.8484% | 2,792 |
| Net loans and leases to core deposits | 64.2118% | 2,964 |
| Total domestic deposits to total assets | 89.7257% | 1,097 |
| Equity capital to assets | 9.2005% | 3,422 |
| Core capital (leverage) ratio | 8.5198% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1894% | 1,781 |
| Memoranda: | ||
| Average total assets | $292,767,800 | 2,470 |
| Average earning assets | $267,719,600 | 2,505 |
| Average equity | $25,583,600 | 2,808 |
| Average total loans | $185,875,600 | 2,336 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1421% | 3,717 |
| Cost of funding earning assets | 0.2354% | 3,259 |
| Net interest margin | 2.9067% | 3,537 |
| Noninterest income to average assets | 0.4662% | 2,769 |
| Noninterest expense to average assets | 3.1154% | 799 |
| Loan and lease loss provision to assets | -0.0608% | 4,498 |
| Net operating income to assets | 0.0811% | 4,707 |
| Return on assets (ROA) | 0.0811% | 4,721 |
| Pretax return on assets | 0.0562% | 4,734 |
| Return on Equity (ROE) | 0.9418% | 4,695 |
| Retained earnings to average equity (ytd only) | 0.9418% | 4,424 |
| Net charge-offs to loans | -0.0946% | 4,588 |
| Credit loss provision to net charge-offs | 98.4848% | 1,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1506% | 155 |
| Assets per employee ($millions) | 4.9177% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,382 |
| Loan loss allowance to noncurrent loans | 231.0518% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1367% | 539 |
| Noncurrent loans to loans | 0.3374% | 2,574 |
| Net loans and leases to total assets | 58.7279% | 2,403 |
| Net loans and leases to deposits | 66.1845% | 2,613 |
| Net loans and leases to core deposits | 67.6916% | 2,807 |
| Total domestic deposits to total assets | 88.7336% | 1,438 |
| Equity capital to assets | 9.9957% | 2,904 |
| Core capital (leverage) ratio | 8.8489% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6132% | 1,756 |
| Memoranda: | ||
| Average total assets | $284,562,250 | 2,535 |
| Average earning assets | $258,886,750 | 2,575 |
| Average equity | $24,490,500 | 2,911 |
| Average total loans | $186,096,250 | 2,376 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 3,696 |
| Cost of funding earning assets | 0.2617% | 3,171 |
| Net interest margin | 2.9256% | 3,511 |
| Noninterest income to average assets | 0.4717% | 2,747 |
| Noninterest expense to average assets | 3.1816% | 737 |
| Loan and lease loss provision to assets | -0.0930% | 4,612 |
| Net operating income to assets | 0.0709% | 4,738 |
| Return on assets (ROA) | 0.0709% | 4,749 |
| Pretax return on assets | 0.0394% | 4,767 |
| Return on Equity (ROE) | 0.8738% | 4,719 |
| Retained earnings to average equity (ytd only) | 0.8738% | 4,371 |
| Net charge-offs to loans | -0.1270% | 4,690 |
| Credit loss provision to net charge-offs | 108.3333% | 1,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7162% | 155 |
| Assets per employee ($millions) | 4.7892% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,457 |
| Loan loss allowance to noncurrent loans | 222.7273% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 575 |
| Noncurrent loans to loans | 0.3348% | 2,709 |
| Net loans and leases to total assets | 63.5481% | 2,002 |
| Net loans and leases to deposits | 70.3009% | 2,375 |
| Net loans and leases to core deposits | 72.5324% | 2,561 |
| Total domestic deposits to total assets | 90.3943% | 603 |
| Equity capital to assets | 7.8604% | 4,597 |
| Core capital (leverage) ratio | 6.6821% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7071% | 3,012 |
| Memoranda: | ||
| Average total assets | $279,423,000 | 2,556 |
| Average earning assets | $253,688,000 | 2,600 |
| Average equity | $22,659,000 | 3,041 |
| Average total loans | $188,943,000 | 2,362 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 3,511 |
| Cost of funding earning assets | 0.3045% | 2,942 |
| Net interest margin | 2.9726% | 3,329 |
| Noninterest income to average assets | 0.5576% | 2,381 |
| Noninterest expense to average assets | 3.1337% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1263% | 4,693 |
| Return on assets (ROA) | 0.1263% | 4,709 |
| Pretax return on assets | 0.1176% | 4,719 |
| Return on Equity (ROE) | 1.5334% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.5334% | 4,111 |
| Net charge-offs to loans | -0.0188% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3823% | 242 |
| Assets per employee ($millions) | 4.7139% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,527 |
| Loan loss allowance to noncurrent loans | 220.0949% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2739% | 564 |
| Noncurrent loans to loans | 0.3307% | 2,909 |
| Net loans and leases to total assets | 68.2204% | 1,501 |
| Net loans and leases to deposits | 75.7436% | 1,937 |
| Net loans and leases to core deposits | 78.4333% | 2,148 |
| Total domestic deposits to total assets | 90.0676% | 791 |
| Equity capital to assets | 8.0937% | 4,437 |
| Core capital (leverage) ratio | 6.8174% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5689% | 2,997 |
| Memoranda: | ||
| Average total assets | $275,459,000 | 2,570 |
| Average earning assets | $249,609,000 | 2,617 |
| Average equity | $22,695,000 | 3,027 |
| Average total loans | $191,425,500 | 2,343 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 3,731 |
| Cost of funding earning assets | 0.6277% | 2,135 |
| Net interest margin | 3.0073% | 3,865 |
| Noninterest income to average assets | 0.5536% | 2,408 |
| Noninterest expense to average assets | 3.1478% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0979% | 4,670 |
| Return on assets (ROA) | 0.1652% | 4,664 |
| Pretax return on assets | 0.1998% | 4,652 |
| Return on Equity (ROE) | 1.9868% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.9868% | 3,828 |
| Net charge-offs to loans | 0.0047% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 35.4444% | 1,480 |
| Efficiency ratio | 96.3667% | 224 |
| Assets per employee ($millions) | 4.5467% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 4,555 |
| Loan loss allowance to noncurrent loans | 212.9430% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3050% | 615 |
| Noncurrent loans to loans | 0.3385% | 2,989 |
| Net loans and leases to total assets | 69.7744% | 1,591 |
| Net loans and leases to deposits | 77.6902% | 2,104 |
| Net loans and leases to core deposits | 80.5948% | 2,311 |
| Total domestic deposits to total assets | 89.8112% | 634 |
| Equity capital to assets | 8.3871% | 4,525 |
| Core capital (leverage) ratio | 6.8447% | 4,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3209% | 3,043 |
| Memoranda: | ||
| Average total assets | $268,793,000 | 2,469 |
| Average earning assets | $242,475,800 | 2,510 |
| Average equity | $22,348,000 | 2,982 |
| Average total loans | $189,739,800 | 2,329 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 4,035 |
| Cost of funding earning assets | 0.6999% | 2,023 |
| Net interest margin | 2.8902% | 4,196 |
| Noninterest income to average assets | 0.5422% | 2,415 |
| Noninterest expense to average assets | 3.1382% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0080% | 4,767 |
| Return on assets (ROA) | 0.0981% | 4,729 |
| Pretax return on assets | 0.1175% | 4,715 |
| Return on Equity (ROE) | 1.1824% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.1824% | 4,189 |
| Net charge-offs to loans | 0.0127% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,101 |
| Efficiency ratio | 99.7152% | 176 |
| Assets per employee ($millions) | 4.4560% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 4,597 |
| Loan loss allowance to noncurrent loans | 206.1562% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 652 |
| Noncurrent loans to loans | 0.3338% | 3,087 |
| Net loans and leases to total assets | 71.7166% | 1,712 |
| Net loans and leases to deposits | 79.8571% | 2,331 |
| Net loans and leases to core deposits | 83.4702% | 2,528 |
| Total domestic deposits to total assets | 89.8062% | 497 |
| Equity capital to assets | 8.1998% | 4,636 |
| Core capital (leverage) ratio | 6.7965% | 4,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1046% | 3,082 |
| Memoranda: | ||
| Average total assets | $267,791,500 | 2,452 |
| Average earning assets | $241,359,500 | 2,505 |
| Average equity | $22,215,000 | 2,988 |
| Average total loans | $189,243,250 | 2,328 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6335% | 4,207 |
| Cost of funding earning assets | 0.7713% | 1,989 |
| Net interest margin | 2.8622% | 4,366 |
| Noninterest income to average assets | 0.4491% | 2,811 |
| Noninterest expense to average assets | 3.1106% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0734% | 4,820 |
| Return on assets (ROA) | 0.0566% | 4,751 |
| Pretax return on assets | 0.0800% | 4,738 |
| Return on Equity (ROE) | 0.6797% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.6797% | 4,166 |
| Net charge-offs to loans | -0.0161% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7937% | 149 |
| Assets per employee ($millions) | 4.5754% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,508 |
| Loan loss allowance to noncurrent loans | 199.4326% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 712 |
| Noncurrent loans to loans | 0.3662% | 3,094 |
| Net loans and leases to total assets | 68.4775% | 2,269 |
| Net loans and leases to deposits | 76.0831% | 2,849 |
| Net loans and leases to core deposits | 80.1601% | 2,934 |
| Total domestic deposits to total assets | 90.0035% | 400 |
| Equity capital to assets | 8.0627% | 4,686 |
| Core capital (leverage) ratio | 6.6969% | 5,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4126% | 3,100 |
| Memoranda: | ||
| Average total assets | $264,963,667 | 2,442 |
| Average earning assets | $238,560,000 | 2,499 |
| Average equity | $22,068,667 | 2,990 |
| Average total loans | $185,821,667 | 2,351 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,316 |
| Cost of funding earning assets | 0.8451% | 2,135 |
| Net interest margin | 2.8963% | 4,435 |
| Noninterest income to average assets | 0.3598% | 3,365 |
| Noninterest expense to average assets | 3.1113% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1714% | 4,838 |
| Return on assets (ROA) | 0.0822% | 4,668 |
| Pretax return on assets | 0.1691% | 4,601 |
| Return on Equity (ROE) | 0.9702% | 4,634 |
| Retained earnings to average equity (ytd only) | 0.9702% | 3,746 |
| Net charge-offs to loans | -0.0175% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1363% | 183 |
| Assets per employee ($millions) | 4.4991% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 4,535 |
| Loan loss allowance to noncurrent loans | 192.4347% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 698 |
| Noncurrent loans to loans | 0.3869% | 3,104 |
| Net loans and leases to total assets | 72.7221% | 1,816 |
| Net loans and leases to deposits | 81.5056% | 2,524 |
| Net loans and leases to core deposits | 85.9478% | 2,684 |
| Total domestic deposits to total assets | 89.2235% | 578 |
| Equity capital to assets | 8.7020% | 4,739 |
| Core capital (leverage) ratio | 7.0415% | 5,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7685% | 3,357 |
| Memoranda: | ||
| Average total assets | $257,896,000 | 2,444 |
| Average earning assets | $231,464,000 | 2,492 |
| Average equity | $21,851,500 | 3,007 |
| Average total loans | $182,469,500 | 2,335 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,398 |
| Cost of funding earning assets | 0.9925% | 1,756 |
| Net interest margin | 2.9260% | 4,627 |
| Noninterest income to average assets | 0.2225% | 4,334 |
| Noninterest expense to average assets | 2.8496% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8837% | 443 |
| Return on assets (ROA) | 1.9969% | 369 |
| Pretax return on assets | 0.1629% | 4,908 |
| Return on Equity (ROE) | 28.7448% | 44 |
| Retained earnings to average equity (ytd only) | 28.7448% | 13 |
| Net charge-offs to loans | -0.0311% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2842% | 181 |
| Assets per employee ($millions) | 4.5499% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,349 |
| Loan loss allowance to noncurrent loans | 195.9155% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 680 |
| Noncurrent loans to loans | 0.4010% | 3,005 |
| Net loans and leases to total assets | 67.7304% | 2,719 |
| Net loans and leases to deposits | 75.4134% | 3,230 |
| Net loans and leases to core deposits | 80.0000% | 3,292 |
| Total domestic deposits to total assets | 89.8121% | 391 |
| Equity capital to assets | 8.2465% | 4,996 |
| Core capital (leverage) ratio | 6.7223% | 5,152 |
| Tier 1 risk-based capital ratio | 9.6617% | 5,151 |
| Total risk-based capital ratio | 11.0288% | 5,116 |
| Memoranda: | ||
| Average total assets | $255,299,200 | 2,426 |
| Average earning assets | $233,561,800 | 2,447 |
| Average equity | $17,735,400 | 3,366 |
| Average total loans | $176,654,600 | 2,357 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 4,477 |
| Cost of funding earning assets | 0.9880% | 1,811 |
| Net interest margin | 2.9503% | 4,694 |
| Noninterest income to average assets | 0.2234% | 4,396 |
| Noninterest expense to average assets | 2.8356% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0986% | 5,019 |
| Return on assets (ROA) | 0.2501% | 4,918 |
| Pretax return on assets | 0.2512% | 4,950 |
| Return on Equity (ROE) | 3.7805% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.7805% | 3,505 |
| Net charge-offs to loans | -0.0355% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6059% | 192 |
| Assets per employee ($millions) | 4.8825% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 4,441 |
| Loan loss allowance to noncurrent loans | 190.2338% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1531% | 1,123 |
| Noncurrent loans to loans | 0.4149% | 3,057 |
| Net loans and leases to total assets | 67.1760% | 2,903 |
| Net loans and leases to deposits | 73.4217% | 3,526 |
| Net loans and leases to core deposits | 78.3929% | 3,524 |
| Total domestic deposits to total assets | 91.4933% | 64 |
| Equity capital to assets | 6.5084% | 5,238 |
| Core capital (leverage) ratio | 6.6308% | 5,232 |
| Tier 1 risk-based capital ratio | 10.1055% | 5,176 |
| Total risk-based capital ratio | 11.5299% | 5,056 |
| Memoranda: | ||
| Average total assets | $254,287,500 | 2,454 |
| Average earning assets | $233,733,250 | 2,468 |
| Average equity | $16,822,500 | 3,477 |
| Average total loans | $176,556,500 | 2,382 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 4,504 |
| Cost of funding earning assets | 0.9476% | 1,926 |
| Net interest margin | 2.9874% | 4,716 |
| Noninterest income to average assets | 0.2065% | 4,510 |
| Noninterest expense to average assets | 2.8403% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1116% | 5,049 |
| Return on assets (ROA) | 0.1116% | 5,062 |
| Pretax return on assets | 0.1123% | 5,065 |
| Return on Equity (ROE) | 1.6770% | 4,983 |
| Retained earnings to average equity (ytd only) | 1.6770% | 4,218 |
| Net charge-offs to loans | -0.0441% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1951% | 202 |
| Assets per employee ($millions) | 4.8166% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,444 |
| Loan loss allowance to noncurrent loans | 153.4598% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 1,003 |
| Noncurrent loans to loans | 0.5205% | 2,719 |
| Net loans and leases to total assets | 66.8931% | 2,988 |
| Net loans and leases to deposits | 73.1959% | 3,579 |
| Net loans and leases to core deposits | 77.9255% | 3,585 |
| Total domestic deposits to total assets | 91.3891% | 66 |
| Equity capital to assets | 6.6088% | 5,284 |
| Core capital (leverage) ratio | 6.7054% | 5,271 |
| Tier 1 risk-based capital ratio | 10.1785% | 5,201 |
| Total risk-based capital ratio | 11.6376% | 5,063 |
| Memoranda: | ||
| Average total assets | $252,792,000 | 2,472 |
| Average earning assets | $232,374,000 | 2,480 |
| Average equity | $16,816,000 | 3,482 |
| Average total loans | $177,003,000 | 2,377 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 4,476 |
| Cost of funding earning assets | 0.9020% | 1,987 |
| Net interest margin | 3.0464% | 4,679 |
| Noninterest income to average assets | 0.1982% | 4,570 |
| Noninterest expense to average assets | 2.8328% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1822% | 5,023 |
| Return on assets (ROA) | 0.1822% | 5,031 |
| Pretax return on assets | 0.1838% | 5,045 |
| Return on Equity (ROE) | 2.7161% | 4,848 |
| Retained earnings to average equity (ytd only) | 2.7161% | 3,852 |
| Net charge-offs to loans | -0.0134% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9057% | 278 |
| Assets per employee ($millions) | 4.7755% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 4,650 |
| Loan loss allowance to noncurrent loans | 142.1610% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3370% | 957 |
| Noncurrent loans to loans | 0.5316% | 2,719 |
| Net loans and leases to total assets | 70.9696% | 2,331 |
| Net loans and leases to deposits | 76.9821% | 3,168 |
| Net loans and leases to core deposits | 81.9359% | 3,191 |
| Total domestic deposits to total assets | 92.1897% | 56 |
| Equity capital to assets | 6.7834% | 5,319 |
| Core capital (leverage) ratio | 6.7457% | 5,327 |
| Tier 1 risk-based capital ratio | 9.8031% | 5,308 |
| Total risk-based capital ratio | 11.1913% | 5,251 |
| Memoranda: | ||
| Average total assets | $250,212,500 | 2,513 |
| Average earning assets | $231,490,000 | 2,513 |
| Average equity | $16,788,500 | 3,498 |
| Average total loans | $179,434,000 | 2,375 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9000% | 4,276 |
| Cost of funding earning assets | 0.6481% | 2,406 |
| Net interest margin | 3.2519% | 4,378 |
| Noninterest income to average assets | 0.2149% | 4,623 |
| Noninterest expense to average assets | 2.8954% | 2,367 |
| Loan and lease loss provision to assets | 0.0164% | 3,826 |
| Net operating income to assets | 0.3121% | 4,990 |
| Return on assets (ROA) | 0.3121% | 4,983 |
| Pretax return on assets | 0.3156% | 5,031 |
| Return on Equity (ROE) | 4.9000% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.9000% | 2,824 |
| Net charge-offs to loans | 0.0257% | 2,897 |
| Credit loss provision to net charge-offs | 91.3043% | 2,704 |
| Earnings coverage of net charge-offs (x) | 18.4783% | 2,129 |
| Efficiency ratio | 89.7119% | 356 |
| Assets per employee ($millions) | 4.3465% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,715 |
| Loan loss allowance to noncurrent loans | 80.7739% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 706 |
| Noncurrent loans to loans | 0.9124% | 1,759 |
| Net loans and leases to total assets | 71.3823% | 2,366 |
| Net loans and leases to deposits | 78.8781% | 3,063 |
| Net loans and leases to core deposits | 83.7845% | 3,112 |
| Total domestic deposits to total assets | 90.4970% | 322 |
| Equity capital to assets | 6.6371% | 5,355 |
| Core capital (leverage) ratio | 6.4995% | 5,373 |
| Tier 1 risk-based capital ratio | 9.6322% | 5,362 |
| Total risk-based capital ratio | 11.0022% | 5,316 |
| Memoranda: | ||
| Average total assets | $255,991,400 | 2,431 |
| Average earning assets | $237,156,400 | 2,435 |
| Average equity | $16,306,200 | 3,488 |
| Average total loans | $179,237,800 | 2,343 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 4,329 |
| Cost of funding earning assets | 0.6158% | 2,369 |
| Net interest margin | 3.2302% | 4,451 |
| Noninterest income to average assets | 0.2179% | 4,660 |
| Noninterest expense to average assets | 2.8698% | 2,402 |
| Loan and lease loss provision to assets | 0.0218% | 3,583 |
| Net operating income to assets | 0.3191% | 5,076 |
| Return on assets (ROA) | 0.3191% | 5,069 |
| Pretax return on assets | 0.3201% | 5,119 |
| Return on Equity (ROE) | 5.0617% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.0617% | 3,203 |
| Net charge-offs to loans | -0.0067% | 4,294 |
| Credit loss provision to net charge-offs | -466.6667% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3538% | 349 |
| Assets per employee ($millions) | 4.9890% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7506% | 4,754 |
| Loan loss allowance to noncurrent loans | 79.9885% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.5824% | 799 |
| Noncurrent loans to loans | 0.9384% | 1,812 |
| Net loans and leases to total assets | 69.5588% | 2,713 |
| Net loans and leases to deposits | 75.0493% | 3,502 |
| Net loans and leases to core deposits | 79.0833% | 3,565 |
| Total domestic deposits to total assets | 92.6842% | 50 |
| Equity capital to assets | 6.2565% | 5,441 |
| Core capital (leverage) ratio | 6.3342% | 5,448 |
| Tier 1 risk-based capital ratio | 9.2780% | 5,449 |
| Total risk-based capital ratio | 10.6481% | 5,431 |
| Memoranda: | ||
| Average total assets | $256,964,500 | 2,442 |
| Average earning assets | $238,164,000 | 2,439 |
| Average equity | $16,199,750 | 3,521 |
| Average total loans | $178,724,750 | 2,358 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 4,180 |
| Cost of funding earning assets | 0.5916% | 2,284 |
| Net interest margin | 3.2711% | 4,333 |
| Noninterest income to average assets | 0.2020% | 4,811 |
| Noninterest expense to average assets | 2.9134% | 2,318 |
| Loan and lease loss provision to assets | 0.0165% | 3,559 |
| Net operating income to assets | 0.2994% | 5,115 |
| Return on assets (ROA) | 0.2994% | 5,110 |
| Pretax return on assets | 0.3010% | 5,164 |
| Return on Equity (ROE) | 4.7372% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.7372% | 3,216 |
| Net charge-offs to loans | -0.0045% | 4,079 |
| Credit loss provision to net charge-offs | -525.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1727% | 362 |
| Assets per employee ($millions) | 4.6728% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 4,774 |
| Loan loss allowance to noncurrent loans | 81.2017% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 775 |
| Noncurrent loans to loans | 0.9512% | 1,829 |
| Net loans and leases to total assets | 69.4953% | 2,651 |
| Net loans and leases to deposits | 75.1459% | 3,429 |
| Net loans and leases to core deposits | 79.2057% | 3,481 |
| Total domestic deposits to total assets | 92.4805% | 53 |
| Equity capital to assets | 6.4633% | 5,487 |
| Core capital (leverage) ratio | 6.4976% | 5,503 |
| Tier 1 risk-based capital ratio | 9.4557% | 5,499 |
| Total risk-based capital ratio | 10.8578% | 5,457 |
| Memoranda: | ||
| Average total assets | $254,481,000 | 2,474 |
| Average earning assets | $235,639,330 | 2,470 |
| Average equity | $16,085,330 | 3,555 |
| Average total loans | $176,528,000 | 2,384 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,429 |
| Cost of funding earning assets | 0.5476% | 2,422 |
| Net interest margin | 3.1709% | 4,550 |
| Noninterest income to average assets | 0.1957% | 4,847 |
| Noninterest expense to average assets | 2.9911% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1393% | 5,299 |
| Return on assets (ROA) | 0.1393% | 5,294 |
| Pretax return on assets | 0.1409% | 5,311 |
| Return on Equity (ROE) | 2.2287% | 5,149 |
| Retained earnings to average equity (ytd only) | 2.2287% | 4,277 |
| Net charge-offs to loans | -0.0136% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5022% | 263 |
| Assets per employee ($millions) | 4.7973% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 4,924 |
| Loan loss allowance to noncurrent loans | 63.7009% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.7927% | 682 |
| Noncurrent loans to loans | 1.1745% | 1,554 |
| Net loans and leases to total assets | 70.2292% | 2,443 |
| Net loans and leases to deposits | 78.4995% | 2,962 |
| Net loans and leases to core deposits | 83.1619% | 3,045 |
| Total domestic deposits to total assets | 89.4646% | 906 |
| Equity capital to assets | 6.2999% | 5,556 |
| Core capital (leverage) ratio | 6.4570% | 5,556 |
| Tier 1 risk-based capital ratio | 9.1656% | 5,575 |
| Total risk-based capital ratio | 10.5385% | 5,562 |
| Memoranda: | ||
| Average total assets | $255,555,500 | 2,480 |
| Average earning assets | $236,654,500 | 2,477 |
| Average equity | $15,973,500 | 3,596 |
| Average total loans | $176,430,000 | 2,400 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,129 |
| Cost of funding earning assets | 0.5201% | 2,178 |
| Net interest margin | 3.2555% | 4,293 |
| Noninterest income to average assets | 0.2637% | 4,555 |
| Noninterest expense to average assets | 3.0238% | 2,093 |
| Loan and lease loss provision to assets | 0.0238% | 3,820 |
| Net operating income to assets | 0.2597% | 5,004 |
| Return on assets (ROA) | 0.2597% | 5,022 |
| Pretax return on assets | 0.2287% | 5,282 |
| Return on Equity (ROE) | 4.2024% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.2024% | 2,646 |
| Net charge-offs to loans | 0.2004% | 1,284 |
| Credit loss provision to net charge-offs | 17.8571% | 3,626 |
| Earnings coverage of net charge-offs (x) | 1.8929% | 3,835 |
| Efficiency ratio | 92.2918% | 345 |
| Assets per employee ($millions) | 5.0364% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 4,897 |
| Loan loss allowance to noncurrent loans | 62.7929% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 692 |
| Noncurrent loans to loans | 1.2339% | 1,431 |
| Net loans and leases to total assets | 66.8128% | 2,995 |
| Net loans and leases to deposits | 72.0399% | 3,699 |
| Net loans and leases to core deposits | 76.3691% | 3,710 |
| Total domestic deposits to total assets | 92.7442% | 40 |
| Equity capital to assets | 6.2016% | 5,628 |
| Core capital (leverage) ratio | 6.2144% | 5,627 |
| Tier 1 risk-based capital ratio | 9.1085% | 5,629 |
| Total risk-based capital ratio | 10.4765% | 5,614 |
| Memoranda: | ||
| Average total assets | $251,834,600 | 2,479 |
| Average earning assets | $233,050,800 | 2,477 |
| Average equity | $15,562,400 | 3,650 |
| Average total loans | $167,675,600 | 2,449 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,056 |
| Cost of funding earning assets | 0.5085% | 2,199 |
| Net interest margin | 3.2779% | 4,236 |
| Noninterest income to average assets | 0.2836% | 4,497 |
| Noninterest expense to average assets | 3.0435% | 1,983 |
| Loan and lease loss provision to assets | 0.0239% | 3,666 |
| Net operating income to assets | 0.2469% | 5,302 |
| Return on assets (ROA) | 0.2469% | 5,318 |
| Pretax return on assets | 0.2480% | 5,343 |
| Return on Equity (ROE) | 3.9988% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.9988% | 3,545 |
| Net charge-offs to loans | 0.0208% | 3,068 |
| Credit loss provision to net charge-offs | 173.0769% | 1,510 |
| Earnings coverage of net charge-offs (x) | 19.6516% | 1,991 |
| Efficiency ratio | 91.7991% | 349 |
| Assets per employee ($millions) | 4.5427% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 4,346 |
| Loan loss allowance to noncurrent loans | 99.1510% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.6254% | 906 |
| Noncurrent loans to loans | 0.9521% | 2,020 |
| Net loans and leases to total assets | 67.4396% | 2,932 |
| Net loans and leases to deposits | 72.7277% | 3,701 |
| Net loans and leases to core deposits | 77.3257% | 3,695 |
| Total domestic deposits to total assets | 92.7289% | 30 |
| Equity capital to assets | 6.1873% | 5,700 |
| Core capital (leverage) ratio | 6.0602% | 5,697 |
| Tier 1 risk-based capital ratio | 8.8584% | 5,703 |
| Total risk-based capital ratio | 10.3764% | 5,692 |
| Memoranda: | ||
| Average total assets | $250,579,500 | 2,507 |
| Average earning assets | $231,766,000 | 2,496 |
| Average equity | $15,470,750 | 3,694 |
| Average total loans | $166,356,500 | 2,479 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,098 |
| Cost of funding earning assets | 0.4833% | 2,301 |
| Net interest margin | 3.2588% | 4,244 |
| Noninterest income to average assets | 0.2230% | 4,914 |
| Noninterest expense to average assets | 3.0035% | 2,100 |
| Loan and lease loss provision to assets | 0.0241% | 3,518 |
| Net operating income to assets | 0.2078% | 5,384 |
| Return on assets (ROA) | 0.2078% | 5,399 |
| Pretax return on assets | 0.2086% | 5,425 |
| Return on Equity (ROE) | 3.3678% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.3678% | 3,711 |
| Net charge-offs to loans | 0.0207% | 2,818 |
| Credit loss provision to net charge-offs | 176.4706% | 1,371 |
| Earnings coverage of net charge-offs (x) | 17.0588% | 1,947 |
| Efficiency ratio | 92.8111% | 332 |
| Assets per employee ($millions) | 4.8170% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 4,175 |
| Loan loss allowance to noncurrent loans | 96.7340% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.6696% | 876 |
| Noncurrent loans to loans | 1.0296% | 1,906 |
| Net loans and leases to total assets | 62.2496% | 3,602 |
| Net loans and leases to deposits | 66.9391% | 4,152 |
| Net loans and leases to core deposits | 70.9029% | 4,172 |
| Total domestic deposits to total assets | 92.9944% | 25 |
| Equity capital to assets | 5.9723% | 5,747 |
| Core capital (leverage) ratio | 6.2241% | 5,736 |
| Tier 1 risk-based capital ratio | 8.7685% | 5,754 |
| Total risk-based capital ratio | 10.2820% | 5,735 |
| Memoranda: | ||
| Average total assets | $249,308,670 | 2,523 |
| Average earning assets | $230,516,670 | 2,521 |
| Average equity | $15,381,000 | 3,714 |
| Average total loans | $164,076,670 | 2,507 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 4,096 |
| Cost of funding earning assets | 0.4725% | 2,332 |
| Net interest margin | 3.2364% | 4,223 |
| Noninterest income to average assets | 0.2247% | 4,925 |
| Noninterest expense to average assets | 3.0996% | 1,865 |
| Loan and lease loss provision to assets | 0.0246% | 3,255 |
| Net operating income to assets | 0.0869% | 5,535 |
| Return on assets (ROA) | 0.0869% | 5,540 |
| Pretax return on assets | 0.0886% | 5,529 |
| Return on Equity (ROE) | 1.3853% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.3853% | 4,545 |
| Net charge-offs to loans | 0.0925% | 1,425 |
| Credit loss provision to net charge-offs | 39.4737% | 2,067 |
| Earnings coverage of net charge-offs (x) | 1.8158% | 2,676 |
| Efficiency ratio | 96.4778% | 305 |
| Assets per employee ($millions) | 5.0942% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,534 |
| Loan loss allowance to noncurrent loans | 66.7645% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0632% | 635 |
| Noncurrent loans to loans | 1.4271% | 1,416 |
| Net loans and leases to total assets | 67.7245% | 2,721 |
| Net loans and leases to deposits | 73.1509% | 3,489 |
| Net loans and leases to core deposits | 77.7328% | 3,494 |
| Total domestic deposits to total assets | 92.5819% | 54 |
| Equity capital to assets | 6.2693% | 5,801 |
| Core capital (leverage) ratio | 6.3241% | 5,800 |
| Tier 1 risk-based capital ratio | 8.7070% | 5,819 |
| Total risk-based capital ratio | 10.2097% | 5,809 |
| Memoranda: | ||
| Average total assets | $243,903,500 | 2,582 |
| Average earning assets | $225,188,500 | 2,599 |
| Average equity | $15,304,000 | 3,747 |
| Average total loans | $164,339,000 | 2,520 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,330 |
| Cost of funding earning assets | 0.5259% | 1,899 |
| Net interest margin | 3.1376% | 4,623 |
| Noninterest income to average assets | 0.2662% | 4,826 |
| Noninterest expense to average assets | 3.3238% | 1,527 |
| Loan and lease loss provision to assets | 0.0028% | 4,299 |
| Net operating income to assets | -0.1666% | 5,706 |
| Return on assets (ROA) | -0.1666% | 5,719 |
| Pretax return on assets | -0.1658% | 5,710 |
| Return on Equity (ROE) | -2.7837% | 5,750 |
| Retained earnings to average equity (ytd only) | -2.7837% | 5,579 |
| Net charge-offs to loans | -0.0234% | 5,167 |
| Credit loss provision to net charge-offs | -20.5882% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1550% | 171 |
| Assets per employee ($millions) | 4.6785% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,321 |
| Loan loss allowance to noncurrent loans | 41.0256% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.7125% | 422 |
| Noncurrent loans to loans | 2.4393% | 654 |
| Net loans and leases to total assets | 65.7121% | 3,113 |
| Net loans and leases to deposits | 70.9760% | 3,815 |
| Net loans and leases to core deposits | 75.2964% | 3,813 |
| Total domestic deposits to total assets | 92.5836% | 58 |
| Equity capital to assets | 6.2799% | 5,846 |
| Core capital (leverage) ratio | 6.1481% | 5,852 |
| Tier 1 risk-based capital ratio | 8.7088% | 5,867 |
| Total risk-based capital ratio | 10.2301% | 5,859 |
| Memoranda: | ||
| Average total assets | $247,935,400 | 2,523 |
| Average earning assets | $228,743,000 | 2,527 |
| Average equity | $14,836,200 | 3,829 |
| Average total loans | $145,462,800 | 2,707 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,293 |
| Cost of funding earning assets | 0.5308% | 1,872 |
| Net interest margin | 3.1565% | 4,620 |
| Noninterest income to average assets | 0.2441% | 5,014 |
| Noninterest expense to average assets | 3.2939% | 1,579 |
| Loan and lease loss provision to assets | 0.0037% | 4,147 |
| Net operating income to assets | -0.1424% | 5,776 |
| Return on assets (ROA) | -0.1424% | 5,792 |
| Pretax return on assets | -0.1413% | 5,781 |
| Return on Equity (ROE) | -2.4084% | 5,822 |
| Retained earnings to average equity (ytd only) | -2.4084% | 5,622 |
| Net charge-offs to loans | -0.0631% | 5,435 |
| Credit loss provision to net charge-offs | -10.4478% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3581% | 169 |
| Assets per employee ($millions) | 4.9295% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,651 |
| Loan loss allowance to noncurrent loans | 112.7660% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.7686% | 939 |
| Noncurrent loans to loans | 1.0058% | 2,233 |
| Net loans and leases to total assets | 58.1070% | 4,082 |
| Net loans and leases to deposits | 62.7824% | 4,576 |
| Net loans and leases to core deposits | 66.8107% | 4,553 |
| Total domestic deposits to total assets | 92.5529% | 48 |
| Equity capital to assets | 6.2583% | 5,925 |
| Core capital (leverage) ratio | 6.1150% | 5,924 |
| Tier 1 risk-based capital ratio | 8.9910% | 5,920 |
| Total risk-based capital ratio | 10.5624% | 5,895 |
| Memoranda: | ||
| Average total assets | $249,098,250 | 2,519 |
| Average earning assets | $229,827,750 | 2,522 |
| Average equity | $14,725,750 | 3,875 |
| Average total loans | $141,457,750 | 2,764 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 4,056 |
| Cost of funding earning assets | 0.5316% | 1,863 |
| Net interest margin | 3.2387% | 4,413 |
| Noninterest income to average assets | 0.2424% | 5,034 |
| Noninterest expense to average assets | 3.3196% | 1,550 |
| Loan and lease loss provision to assets | 0.0056% | 3,947 |
| Net operating income to assets | -0.0952% | 5,812 |
| Return on assets (ROA) | -0.0952% | 5,829 |
| Pretax return on assets | -0.0944% | 5,826 |
| Return on Equity (ROE) | -1.6422% | 5,862 |
| Retained earnings to average equity (ytd only) | -1.6422% | 5,506 |
| Net charge-offs to loans | -0.0456% | 5,325 |
| Credit loss provision to net charge-offs | -21.8750% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7489% | 209 |
| Assets per employee ($millions) | 4.6981% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,735 |
| Loan loss allowance to noncurrent loans | 106.9967% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7411% | 1,016 |
| Noncurrent loans to loans | 1.0627% | 2,166 |
| Net loans and leases to total assets | 55.5560% | 4,354 |
| Net loans and leases to deposits | 59.9519% | 4,803 |
| Net loans and leases to core deposits | 63.9289% | 4,753 |
| Total domestic deposits to total assets | 92.6676% | 41 |
| Equity capital to assets | 6.1384% | 6,009 |
| Core capital (leverage) ratio | 6.1051% | 6,002 |
| Tier 1 risk-based capital ratio | 9.0320% | 5,999 |
| Total risk-based capital ratio | 10.5827% | 5,961 |
| Memoranda: | ||
| Average total assets | $249,973,330 | 2,530 |
| Average earning assets | $230,645,000 | 2,529 |
| Average equity | $14,492,670 | 3,931 |
| Average total loans | $140,323,330 | 2,784 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,673 |
| Cost of funding earning assets | 0.5386% | 1,800 |
| Net interest margin | 3.3384% | 4,084 |
| Noninterest income to average assets | 0.1999% | 5,308 |
| Noninterest expense to average assets | 3.4081% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1290% | 5,856 |
| Return on assets (ROA) | -0.1290% | 5,874 |
| Pretax return on assets | -0.1306% | 5,873 |
| Return on Equity (ROE) | -2.2935% | 5,915 |
| Retained earnings to average equity (ytd only) | -2.2935% | 5,411 |
| Net charge-offs to loans | 0.0661% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -3.5217% | 3,033 |
| Efficiency ratio | 103.9843% | 214 |
| Assets per employee ($millions) | 4.8055% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 4,129 |
| Loan loss allowance to noncurrent loans | 117.6604% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 1,114 |
| Noncurrent loans to loans | 0.9236% | 2,539 |
| Net loans and leases to total assets | 55.7154% | 4,285 |
| Net loans and leases to deposits | 60.0647% | 4,712 |
| Net loans and leases to core deposits | 64.1682% | 4,679 |
| Total domestic deposits to total assets | 92.7590% | 54 |
| Equity capital to assets | 6.1298% | 6,064 |
| Core capital (leverage) ratio | 6.2416% | 6,052 |
| Tier 1 risk-based capital ratio | 9.1027% | 6,052 |
| Total risk-based capital ratio | 10.6255% | 6,008 |
| Memoranda: | ||
| Average total assets | $248,111,500 | 2,559 |
| Average earning assets | $228,731,500 | 2,564 |
| Average equity | $13,952,500 | 4,009 |
| Average total loans | $139,202,500 | 2,798 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 2,280 |
| Cost of funding earning assets | 0.4982% | 2,172 |
| Net interest margin | 3.7822% | 2,436 |
| Noninterest income to average assets | 0.2397% | 5,165 |
| Noninterest expense to average assets | 3.8926% | 766 |
| Loan and lease loss provision to assets | 0.1996% | 1,078 |
| Net operating income to assets | -0.4060% | 6,019 |
| Return on assets (ROA) | -0.4060% | 6,030 |
| Pretax return on assets | -0.4051% | 6,017 |
| Return on Equity (ROE) | -7.2618% | 6,074 |
| Retained earnings to average equity (ytd only) | -7.2618% | 5,986 |
| Net charge-offs to loans | 0.6016% | 400 |
| Credit loss provision to net charge-offs | 56.0427% | 3,314 |
| Earnings coverage of net charge-offs (x) | -0.5770% | 4,314 |
| Efficiency ratio | 105.5740% | 188 |
| Assets per employee ($millions) | 4.3371% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,695 |
| Loan loss allowance to noncurrent loans | 169.3790% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.6169% | 1,215 |
| Noncurrent loans to loans | 0.6858% | 3,138 |
| Net loans and leases to total assets | 55.4260% | 4,345 |
| Net loans and leases to deposits | 59.4581% | 4,808 |
| Net loans and leases to core deposits | 63.1117% | 4,793 |
| Total domestic deposits to total assets | 93.2187% | 45 |
| Equity capital to assets | 5.6140% | 6,131 |
| Core capital (leverage) ratio | 5.8155% | 6,127 |
| Tier 1 risk-based capital ratio | 8.1109% | 6,132 |
| Total risk-based capital ratio | 9.6790% | 6,130 |
| Memoranda: | ||
| Average total assets | $236,964,600 | 2,606 |
| Average earning assets | $215,986,600 | 2,622 |
| Average equity | $13,247,400 | 4,086 |
| Average total loans | $140,285,800 | 2,721 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,066 |
| Cost of funding earning assets | 0.5012% | 2,196 |
| Net interest margin | 3.8517% | 2,178 |
| Noninterest income to average assets | 0.2463% | 5,170 |
| Noninterest expense to average assets | 4.0058% | 659 |
| Loan and lease loss provision to assets | 0.2678% | 608 |
| Net operating income to assets | -0.5260% | 6,143 |
| Return on assets (ROA) | -0.5260% | 6,147 |
| Pretax return on assets | -0.5249% | 6,142 |
| Return on Equity (ROE) | -9.4190% | 6,177 |
| Retained earnings to average equity (ytd only) | -9.4190% | 6,118 |
| Net charge-offs to loans | 0.7869% | 260 |
| Credit loss provision to net charge-offs | 56.7146% | 2,951 |
| Earnings coverage of net charge-offs (x) | -0.5444% | 4,028 |
| Efficiency ratio | 106.8570% | 182 |
| Assets per employee ($millions) | 4.2363% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 4,053 |
| Loan loss allowance to noncurrent loans | 91.0234% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 2.1258% | 927 |
| Noncurrent loans to loans | 1.2423% | 2,058 |
| Net loans and leases to total assets | 60.8478% | 3,755 |
| Net loans and leases to deposits | 66.3208% | 4,357 |
| Net loans and leases to core deposits | 69.3587% | 4,431 |
| Total domestic deposits to total assets | 91.7477% | 120 |
| Equity capital to assets | 5.9748% | 6,204 |
| Core capital (leverage) ratio | 5.8610% | 6,205 |
| Tier 1 risk-based capital ratio | 8.1426% | 6,216 |
| Total risk-based capital ratio | 9.7190% | 6,211 |
| Memoranda: | ||
| Average total assets | $235,487,000 | 2,632 |
| Average earning assets | $214,135,250 | 2,658 |
| Average equity | $13,150,500 | 4,152 |
| Average total loans | $141,307,750 | 2,729 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,003 |
| Cost of funding earning assets | 0.5103% | 2,161 |
| Net interest margin | 3.8424% | 2,163 |
| Noninterest income to average assets | 0.2305% | 5,310 |
| Noninterest expense to average assets | 3.5200% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2002% | 5,690 |
| Return on assets (ROA) | 0.2002% | 5,755 |
| Pretax return on assets | 0.2011% | 5,812 |
| Return on Equity (ROE) | 3.6677% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.6677% | 3,689 |
| Net charge-offs to loans | 0.5541% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.6097% | 3,639 |
| Efficiency ratio | 94.5964% | 495 |
| Assets per employee ($millions) | 4.1788% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 4,255 |
| Loan loss allowance to noncurrent loans | 70.6655% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.6473% | 688 |
| Noncurrent loans to loans | 1.5758% | 1,676 |
| Net loans and leases to total assets | 59.2376% | 3,939 |
| Net loans and leases to deposits | 64.0428% | 4,531 |
| Net loans and leases to core deposits | 66.8328% | 4,585 |
| Total domestic deposits to total assets | 92.4969% | 83 |
| Equity capital to assets | 6.3399% | 6,255 |
| Core capital (leverage) ratio | 6.2736% | 6,261 |
| Tier 1 risk-based capital ratio | 8.7411% | 6,271 |
| Total risk-based capital ratio | 10.2816% | 6,234 |
| Memoranda: | ||
| Average total assets | $237,729,000 | 2,631 |
| Average earning assets | $215,956,000 | 2,657 |
| Average equity | $12,978,000 | 4,218 |
| Average total loans | $141,481,000 | 2,734 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 1,793 |
| Cost of funding earning assets | 0.5261% | 2,044 |
| Net interest margin | 3.8668% | 2,009 |
| Noninterest income to average assets | 0.2120% | 5,433 |
| Noninterest expense to average assets | 3.4576% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2621% | 5,526 |
| Return on assets (ROA) | 0.2621% | 5,620 |
| Pretax return on assets | 0.2638% | 5,723 |
| Return on Equity (ROE) | 5.2121% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.2121% | 2,944 |
| Net charge-offs to loans | 0.2364% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.8810% | 2,854 |
| Efficiency ratio | 92.9116% | 654 |
| Assets per employee ($millions) | 4.2614% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 3,253 |
| Loan loss allowance to noncurrent loans | 57.7922% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.3469% | 516 |
| Noncurrent loans to loans | 2.2984% | 1,073 |
| Net loans and leases to total assets | 58.1783% | 3,920 |
| Net loans and leases to deposits | 62.7357% | 4,504 |
| Net loans and leases to core deposits | 65.5075% | 4,571 |
| Total domestic deposits to total assets | 92.7355% | 76 |
| Equity capital to assets | 5.3646% | 6,359 |
| Core capital (leverage) ratio | 5.3456% | 6,354 |
| Tier 1 risk-based capital ratio | 7.5304% | 6,364 |
| Total risk-based capital ratio | 10.4044% | 6,294 |
| Memoranda: | ||
| Average total assets | $239,588,500 | 2,637 |
| Average earning assets | $217,442,500 | 2,668 |
| Average equity | $12,049,000 | 4,405 |
| Average total loans | $142,130,000 | 2,731 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 1,375 |
| Cost of funding earning assets | 0.5329% | 2,354 |
| Net interest margin | 4.1354% | 1,473 |
| Noninterest income to average assets | 0.2425% | 5,388 |
| Noninterest expense to average assets | 3.8987% | 862 |
| Loan and lease loss provision to assets | 0.4504% | 370 |
| Net operating income to assets | -0.3928% | 6,271 |
| Return on assets (ROA) | -0.3928% | 6,271 |
| Pretax return on assets | -0.3915% | 6,251 |
| Return on Equity (ROE) | -9.7069% | 6,359 |
| Retained earnings to average equity (ytd only) | -9.7069% | 6,307 |
| Net charge-offs to loans | 1.0388% | 282 |
| Credit loss provision to net charge-offs | 70.0922% | 3,076 |
| Earnings coverage of net charge-offs (x) | 0.0916% | 4,696 |
| Efficiency ratio | 98.5134% | 407 |
| Assets per employee ($millions) | 4.3734% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 3,133 |
| Loan loss allowance to noncurrent loans | 68.7192% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 3.1583% | 614 |
| Noncurrent loans to loans | 1.9797% | 1,409 |
| Net loans and leases to total assets | 58.8689% | 3,937 |
| Net loans and leases to deposits | 63.0657% | 4,625 |
| Net loans and leases to core deposits | 65.8485% | 4,682 |
| Total domestic deposits to total assets | 93.3453% | 53 |
| Equity capital to assets | 4.6961% | 6,465 |
| Core capital (leverage) ratio | 5.2321% | 6,447 |
| Tier 1 risk-based capital ratio | 7.2662% | 6,462 |
| Total risk-based capital ratio | 10.1222% | 6,410 |
| Memoranda: | ||
| Average total assets | $236,258,400 | 2,647 |
| Average earning assets | $212,240,000 | 2,686 |
| Average equity | $9,560,200 | 4,849 |
| Average total loans | $146,128,200 | 2,623 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,299 |
| Cost of funding earning assets | 0.5236% | 2,536 |
| Net interest margin | 4.1793% | 1,352 |
| Noninterest income to average assets | 0.2426% | 5,467 |
| Noninterest expense to average assets | 3.9224% | 820 |
| Loan and lease loss provision to assets | 0.6032% | 220 |
| Net operating income to assets | -0.5374% | 6,377 |
| Return on assets (ROA) | -0.5374% | 6,374 |
| Pretax return on assets | -0.5363% | 6,361 |
| Return on Equity (ROE) | -13.8498% | 6,483 |
| Retained earnings to average equity (ytd only) | -13.8498% | 6,433 |
| Net charge-offs to loans | 1.2355% | 217 |
| Credit loss provision to net charge-offs | 78.2353% | 2,629 |
| Earnings coverage of net charge-offs (x) | 0.0868% | 4,436 |
| Efficiency ratio | 98.3231% | 424 |
| Assets per employee ($millions) | 3.8820% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 2,948 |
| Loan loss allowance to noncurrent loans | 55.8170% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.6482% | 572 |
| Noncurrent loans to loans | 2.5956% | 1,105 |
| Net loans and leases to total assets | 60.6401% | 3,683 |
| Net loans and leases to deposits | 64.6906% | 4,461 |
| Net loans and leases to core deposits | 67.6980% | 4,538 |
| Total domestic deposits to total assets | 93.7387% | 50 |
| Equity capital to assets | 4.1237% | 6,548 |
| Core capital (leverage) ratio | 5.2631% | 6,515 |
| Tier 1 risk-based capital ratio | 7.1952% | 6,530 |
| Total risk-based capital ratio | 10.1180% | 6,490 |
| Memoranda: | ||
| Average total assets | $235,188,500 | 2,673 |
| Average earning assets | $210,845,000 | 2,721 |
| Average equity | $9,126,250 | 4,977 |
| Average total loans | $146,771,500 | 2,631 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 1,197 |
| Cost of funding earning assets | 0.5105% | 2,727 |
| Net interest margin | 4.2289% | 1,184 |
| Noninterest income to average assets | 0.2216% | 5,620 |
| Noninterest expense to average assets | 3.9352% | 821 |
| Loan and lease loss provision to assets | 0.0213% | 3,847 |
| Net operating income to assets | 0.0486% | 6,137 |
| Return on assets (ROA) | 0.0486% | 6,162 |
| Pretax return on assets | 0.0494% | 6,152 |
| Return on Equity (ROE) | 1.2790% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.2790% | 5,235 |
| Net charge-offs to loans | 0.3929% | 1,027 |
| Credit loss provision to net charge-offs | 8.6505% | 3,315 |
| Earnings coverage of net charge-offs (x) | 0.2872% | 4,077 |
| Efficiency ratio | 98.2340% | 455 |
| Assets per employee ($millions) | 3.9810% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 3,062 |
| Loan loss allowance to noncurrent loans | 44.9360% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.1108% | 504 |
| Noncurrent loans to loans | 3.2568% | 857 |
| Net loans and leases to total assets | 60.4074% | 3,652 |
| Net loans and leases to deposits | 64.4216% | 4,453 |
| Net loans and leases to core deposits | 67.1408% | 4,540 |
| Total domestic deposits to total assets | 93.7687% | 55 |
| Equity capital to assets | 4.3314% | 6,605 |
| Core capital (leverage) ratio | 5.7357% | 6,553 |
| Tier 1 risk-based capital ratio | 7.6939% | 6,575 |
| Total risk-based capital ratio | 10.6064% | 6,495 |
| Memoranda: | ||
| Average total assets | $234,650,670 | 2,684 |
| Average earning assets | $209,981,330 | 2,742 |
| Average equity | $8,913,330 | 5,050 |
| Average total loans | $147,126,000 | 2,626 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 1,069 |
| Cost of funding earning assets | 0.4932% | 2,978 |
| Net interest margin | 4.2965% | 1,003 |
| Noninterest income to average assets | 0.2099% | 5,678 |
| Noninterest expense to average assets | 3.9820% | 774 |
| Loan and lease loss provision to assets | 0.0430% | 3,236 |
| Net operating income to assets | 0.0189% | 6,189 |
| Return on assets (ROA) | 0.0189% | 6,206 |
| Pretax return on assets | 0.0206% | 6,194 |
| Return on Equity (ROE) | 0.5368% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.5368% | 5,364 |
| Net charge-offs to loans | -0.0542% | 5,834 |
| Credit loss provision to net charge-offs | -125.0000% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4269% | 530 |
| Assets per employee ($millions) | 3.7906% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 2,425 |
| Loan loss allowance to noncurrent loans | 35.4233% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 5.1777% | 380 |
| Noncurrent loans to loans | 4.7359% | 488 |
| Net loans and leases to total assets | 62.1514% | 3,214 |
| Net loans and leases to deposits | 65.9197% | 4,106 |
| Net loans and leases to core deposits | 67.5162% | 4,357 |
| Total domestic deposits to total assets | 94.2835% | 54 |
| Equity capital to assets | 3.8179% | 6,676 |
| Core capital (leverage) ratio | 5.8249% | 6,607 |
| Tier 1 risk-based capital ratio | 7.7239% | 6,633 |
| Total risk-based capital ratio | 10.6868% | 6,544 |
| Memoranda: | ||
| Average total assets | $232,546,000 | 2,719 |
| Average earning assets | $207,612,000 | 2,769 |
| Average equity | $8,197,000 | 5,241 |
| Average total loans | $147,473,000 | 2,623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,264 |
| Cost of funding earning assets | 0.5037% | 3,572 |
| Net interest margin | 4.3217% | 1,052 |
| Noninterest income to average assets | 0.2168% | 5,783 |
| Noninterest expense to average assets | 3.7145% | 1,265 |
| Loan and lease loss provision to assets | 0.2275% | 1,601 |
| Net operating income to assets | 0.2000% | 5,817 |
| Return on assets (ROA) | 0.2011% | 5,885 |
| Pretax return on assets | 0.2023% | 5,931 |
| Return on Equity (ROE) | 4.9937% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.9937% | 2,600 |
| Net charge-offs to loans | 1.6406% | 273 |
| Credit loss provision to net charge-offs | 21.4311% | 4,419 |
| Earnings coverage of net charge-offs (x) | 0.4038% | 4,945 |
| Efficiency ratio | 89.6555% | 1,051 |
| Assets per employee ($millions) | 3.8339% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 2,690 |
| Loan loss allowance to noncurrent loans | 32.0976% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 5.1546% | 449 |
| Noncurrent loans to loans | 5.0402% | 492 |
| Net loans and leases to total assets | 62.5900% | 3,277 |
| Net loans and leases to deposits | 66.0983% | 4,284 |
| Net loans and leases to core deposits | 67.4600% | 4,567 |
| Total domestic deposits to total assets | 94.6923% | 55 |
| Equity capital to assets | 3.2352% | 6,757 |
| Core capital (leverage) ratio | 5.6014% | 6,682 |
| Tier 1 risk-based capital ratio | 7.5545% | 6,708 |
| Total risk-based capital ratio | 10.4804% | 6,620 |
| Memoranda: | ||
| Average total assets | $262,028,200 | 2,414 |
| Average earning assets | $238,056,400 | 2,438 |
| Average equity | $10,553,400 | 4,734 |
| Average total loans | $169,513,200 | 2,312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 1,227 |
| Cost of funding earning assets | 0.5118% | 3,651 |
| Net interest margin | 4.3427% | 1,001 |
| Noninterest income to average assets | 0.2165% | 5,882 |
| Noninterest expense to average assets | 3.5802% | 1,435 |
| Loan and lease loss provision to assets | 0.2582% | 1,378 |
| Net operating income to assets | 0.3379% | 5,475 |
| Return on assets (ROA) | 0.3394% | 5,599 |
| Pretax return on assets | 0.3404% | 5,773 |
| Return on Equity (ROE) | 8.0822% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.0822% | 1,378 |
| Net charge-offs to loans | 1.6539% | 257 |
| Credit loss provision to net charge-offs | 24.0425% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.5561% | 4,676 |
| Efficiency ratio | 85.7058% | 1,389 |
| Assets per employee ($millions) | 4.0121% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 2,016 |
| Loan loss allowance to noncurrent loans | 33.7418% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 5.3837% | 493 |
| Noncurrent loans to loans | 5.6201% | 476 |
| Net loans and leases to total assets | 63.3105% | 3,109 |
| Net loans and leases to deposits | 67.2372% | 4,148 |
| Net loans and leases to core deposits | 68.4626% | 4,487 |
| Total domestic deposits to total assets | 94.1598% | 65 |
| Equity capital to assets | 4.0070% | 6,817 |
| Core capital (leverage) ratio | 5.5110% | 6,758 |
| Tier 1 risk-based capital ratio | 7.4336% | 6,783 |
| Total risk-based capital ratio | 10.3176% | 6,719 |
| Memoranda: | ||
| Average total assets | $269,068,250 | 2,376 |
| Average earning assets | $245,403,000 | 2,389 |
| Average equity | $11,300,250 | 4,627 |
| Average total loans | $174,695,250 | 2,260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,263 |
| Cost of funding earning assets | 0.5239% | 3,665 |
| Net interest margin | 4.3074% | 1,018 |
| Noninterest income to average assets | 0.2018% | 6,001 |
| Noninterest expense to average assets | 3.4921% | 1,624 |
| Loan and lease loss provision to assets | 0.3511% | 944 |
| Net operating income to assets | 0.3016% | 5,597 |
| Return on assets (ROA) | 0.3038% | 5,745 |
| Pretax return on assets | 0.3045% | 5,872 |
| Return on Equity (ROE) | 7.1382% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.1382% | 1,827 |
| Net charge-offs to loans | 1.1968% | 484 |
| Credit loss provision to net charge-offs | 45.1107% | 3,319 |
| Earnings coverage of net charge-offs (x) | 0.8395% | 4,247 |
| Efficiency ratio | 84.2370% | 1,603 |
| Assets per employee ($millions) | 4.1808% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3214% | 1,226 |
| Loan loss allowance to noncurrent loans | 52.1529% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 4.7464% | 670 |
| Noncurrent loans to loans | 4.4511% | 788 |
| Net loans and leases to total assets | 64.8835% | 2,779 |
| Net loans and leases to deposits | 71.1095% | 3,571 |
| Net loans and leases to core deposits | 72.5888% | 3,975 |
| Total domestic deposits to total assets | 91.2445% | 463 |
| Equity capital to assets | 4.1222% | 6,864 |
| Core capital (leverage) ratio | 5.0776% | 6,825 |
| Tier 1 risk-based capital ratio | 6.7169% | 6,856 |
| Total risk-based capital ratio | 9.4770% | 6,798 |
| Memoranda: | ||
| Average total assets | $278,515,000 | 2,300 |
| Average earning assets | $255,001,000 | 2,306 |
| Average equity | $11,851,670 | 4,563 |
| Average total loans | $181,143,000 | 2,191 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 1,473 |
| Cost of funding earning assets | 0.5388% | 3,686 |
| Net interest margin | 4.1823% | 1,236 |
| Noninterest income to average assets | 0.1791% | 6,194 |
| Noninterest expense to average assets | 3.7423% | 1,185 |
| Loan and lease loss provision to assets | 0.0416% | 3,907 |
| Net operating income to assets | 0.2402% | 5,761 |
| Return on assets (ROA) | 0.2443% | 5,865 |
| Pretax return on assets | 0.2457% | 5,974 |
| Return on Equity (ROE) | 5.6614% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.6614% | 2,858 |
| Net charge-offs to loans | 1.5989% | 328 |
| Credit loss provision to net charge-offs | 4.0431% | 3,200 |
| Earnings coverage of net charge-offs (x) | 0.2749% | 3,726 |
| Efficiency ratio | 92.9655% | 908 |
| Assets per employee ($millions) | 3.8949% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 1,656 |
| Loan loss allowance to noncurrent loans | 37.7028% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 5.7976% | 568 |
| Noncurrent loans to loans | 5.7429% | 604 |
| Net loans and leases to total assets | 65.2337% | 2,509 |
| Net loans and leases to deposits | 69.8591% | 3,504 |
| Net loans and leases to core deposits | 71.6019% | 3,868 |
| Total domestic deposits to total assets | 93.3790% | 98 |
| Equity capital to assets | 4.8867% | 6,896 |
| Core capital (leverage) ratio | 4.6641% | 6,897 |
| Tier 1 risk-based capital ratio | 6.4651% | 6,916 |
| Total risk-based capital ratio | 9.1951% | 6,860 |
| Memoranda: | ||
| Average total assets | $288,168,000 | 2,264 |
| Average earning assets | $265,022,500 | 2,256 |
| Average equity | $12,435,000 | 4,487 |
| Average total loans | $185,624,000 | 2,160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 3,854 |
| Cost of funding earning assets | 0.7239% | 3,296 |
| Net interest margin | 3.6653% | 3,802 |
| Noninterest income to average assets | 0.1126% | 6,461 |
| Noninterest expense to average assets | 3.8540% | 1,160 |
| Loan and lease loss provision to assets | 2.6901% | 52 |
| Net operating income to assets | -3.3249% | 7,023 |
| Return on assets (ROA) | -3.3249% | 7,028 |
| Pretax return on assets | -3.0391% | 7,016 |
| Return on Equity (ROE) | -60.6862% | 7,038 |
| Retained earnings to average equity (ytd only) | -60.6862% | 7,036 |
| Net charge-offs to loans | 4.5072% | 48 |
| Credit loss provision to net charge-offs | 95.9256% | 3,235 |
| Earnings coverage of net charge-offs (x) | -0.1245% | 5,547 |
| Efficiency ratio | 109.9579% | 335 |
| Assets per employee ($millions) | 4.3322% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3910% | 1,247 |
| Loan loss allowance to noncurrent loans | 37.9849% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 6.0731% | 564 |
| Noncurrent loans to loans | 6.2946% | 547 |
| Net loans and leases to total assets | 60.9457% | 3,429 |
| Net loans and leases to deposits | 66.4247% | 4,226 |
| Net loans and leases to core deposits | 67.9010% | 4,544 |
| Total domestic deposits to total assets | 91.7516% | 291 |
| Equity capital to assets | 3.8158% | 7,010 |
| Core capital (leverage) ratio | 3.5449% | 7,014 |
| Tier 1 risk-based capital ratio | 5.2453% | 7,014 |
| Total risk-based capital ratio | 7.8560% | 6,973 |
| Memoranda: | ||
| Average total assets | $352,700,600 | 1,833 |
| Average earning assets | $326,440,800 | 1,819 |
| Average equity | $19,324,000 | 3,286 |
| Average total loans | $219,450,600 | 1,843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 3,847 |
| Cost of funding earning assets | 0.7810% | 3,101 |
| Net interest margin | 3.6646% | 3,946 |
| Noninterest income to average assets | 0.0960% | 6,630 |
| Noninterest expense to average assets | 3.2008% | 2,563 |
| Loan and lease loss provision to assets | 2.1338% | 98 |
| Net operating income to assets | -1.5477% | 6,976 |
| Return on assets (ROA) | -1.5477% | 6,988 |
| Pretax return on assets | -1.8440% | 7,009 |
| Return on Equity (ROE) | -26.5457% | 7,045 |
| Retained earnings to average equity (ytd only) | -26.5457% | 7,035 |
| Net charge-offs to loans | 3.7466% | 103 |
| Credit loss provision to net charge-offs | 91.6025% | 3,245 |
| Earnings coverage of net charge-offs (x) | 0.1244% | 5,273 |
| Efficiency ratio | 91.6990% | 903 |
| Assets per employee ($millions) | 5.3732% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1602% | 1,784 |
| Loan loss allowance to noncurrent loans | 28.6623% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 6.6450% | 554 |
| Noncurrent loans to loans | 7.5366% | 442 |
| Net loans and leases to total assets | 59.6885% | 3,844 |
| Net loans and leases to deposits | 64.1555% | 4,693 |
| Net loans and leases to core deposits | 65.3733% | 5,017 |
| Total domestic deposits to total assets | 93.0372% | 107 |
| Equity capital to assets | 5.6926% | 7,003 |
| Core capital (leverage) ratio | 5.4485% | 6,983 |
| Tier 1 risk-based capital ratio | 7.7450% | 7,009 |
| Total risk-based capital ratio | 10.2348% | 6,941 |
| Memoranda: | ||
| Average total assets | $363,979,000 | 1,813 |
| Average earning assets | $337,163,500 | 1,783 |
| Average equity | $21,220,750 | 3,101 |
| Average total loans | $226,300,000 | 1,813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 3,842 |
| Cost of funding earning assets | 0.8291% | 2,960 |
| Net interest margin | 3.6537% | 4,018 |
| Noninterest income to average assets | 0.1815% | 6,266 |
| Noninterest expense to average assets | 3.2379% | 2,471 |
| Loan and lease loss provision to assets | 3.0741% | 57 |
| Net operating income to assets | -2.2885% | 7,104 |
| Return on assets (ROA) | -2.2885% | 7,111 |
| Pretax return on assets | -2.7374% | 7,133 |
| Return on Equity (ROE) | -38.9740% | 7,142 |
| Retained earnings to average equity (ytd only) | -38.9740% | 7,136 |
| Net charge-offs to loans | 4.6647% | 82 |
| Credit loss provision to net charge-offs | 105.3940% | 2,578 |
| Earnings coverage of net charge-offs (x) | 0.1154% | 5,023 |
| Efficiency ratio | 90.5813% | 1,029 |
| Assets per employee ($millions) | 5.5735% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3771% | 1,449 |
| Loan loss allowance to noncurrent loans | 27.0888% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 7.2685% | 515 |
| Noncurrent loans to loans | 8.7753% | 362 |
| Net loans and leases to total assets | 61.8476% | 3,469 |
| Net loans and leases to deposits | 66.3074% | 4,471 |
| Net loans and leases to core deposits | 67.6846% | 4,827 |
| Total domestic deposits to total assets | 93.2740% | 109 |
| Equity capital to assets | 5.5113% | 7,065 |
| Core capital (leverage) ratio | 5.0536% | 7,068 |
| Tier 1 risk-based capital ratio | 7.2914% | 7,074 |
| Total risk-based capital ratio | 9.7150% | 7,020 |
| Memoranda: | ||
| Average total assets | $372,468,330 | 1,771 |
| Average earning assets | $345,898,330 | 1,745 |
| Average equity | $21,871,000 | 2,995 |
| Average total loans | $232,895,670 | 1,769 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 4,097 |
| Cost of funding earning assets | 0.8748% | 2,874 |
| Net interest margin | 3.5789% | 4,354 |
| Noninterest income to average assets | 0.2756% | 5,666 |
| Noninterest expense to average assets | 2.7635% | 4,187 |
| Loan and lease loss provision to assets | 1.4648% | 238 |
| Net operating income to assets | -0.3591% | 6,740 |
| Return on assets (ROA) | -0.3591% | 6,780 |
| Pretax return on assets | -0.6212% | 6,871 |
| Return on Equity (ROE) | -5.9489% | 6,885 |
| Retained earnings to average equity (ytd only) | -5.9489% | 6,654 |
| Net charge-offs to loans | -0.0454% | 6,498 |
| Credit loss provision to net charge-offs | -5,196.2963% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6136% | 2,695 |
| Assets per employee ($millions) | 6.0765% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7420% | 1,066 |
| Loan loss allowance to noncurrent loans | 26.8334% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 7.8382% | 500 |
| Noncurrent loans to loans | 10.2187% | 293 |
| Net loans and leases to total assets | 59.5297% | 3,770 |
| Net loans and leases to deposits | 66.6399% | 4,286 |
| Net loans and leases to core deposits | 67.9094% | 4,687 |
| Total domestic deposits to total assets | 89.3305% | 1,465 |
| Equity capital to assets | 5.9315% | 7,080 |
| Core capital (leverage) ratio | 6.0210% | 7,038 |
| Tier 1 risk-based capital ratio | 8.3482% | 7,080 |
| Total risk-based capital ratio | 10.7030% | 6,967 |
| Memoranda: | ||
| Average total assets | $383,137,000 | 1,729 |
| Average earning assets | $356,648,000 | 1,700 |
| Average equity | $23,130,500 | 2,838 |
| Average total loans | $238,116,500 | 1,734 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 3,259 |
| Cost of funding earning assets | 1.1790% | 2,170 |
| Net interest margin | 3.7426% | 4,111 |
| Noninterest income to average assets | 0.2171% | 5,966 |
| Noninterest expense to average assets | 2.5960% | 5,111 |
| Loan and lease loss provision to assets | 1.8192% | 359 |
| Net operating income to assets | -0.4192% | 6,431 |
| Return on assets (ROA) | -0.2641% | 6,370 |
| Pretax return on assets | -0.4631% | 6,463 |
| Return on Equity (ROE) | -4.1580% | 6,481 |
| Retained earnings to average equity (ytd only) | -6.2750% | 6,525 |
| Net charge-offs to loans | 2.3220% | 536 |
| Credit loss provision to net charge-offs | 120.8937% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.7401% | 5,253 |
| Efficiency ratio | 69.9775% | 3,966 |
| Assets per employee ($millions) | 5.9915% | 1,233 |
| Cash dividends to net income (ytd only)* | -50.9165% | 7,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 2,093 |
| Loan loss allowance to noncurrent loans | 56.3134% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 3.6857% | 1,594 |
| Noncurrent loans to loans | 3.6665% | 1,722 |
| Net loans and leases to total assets | 61.7861% | 3,642 |
| Net loans and leases to deposits | 71.6814% | 3,851 |
| Net loans and leases to core deposits | 73.1932% | 4,349 |
| Total domestic deposits to total assets | 86.1955% | 3,201 |
| Equity capital to assets | 6.1426% | 7,081 |
| Core capital (leverage) ratio | 5.9257% | 7,065 |
| Tier 1 risk-based capital ratio | 8.0335% | 7,108 |
| Total risk-based capital ratio | 10.3257% | 7,025 |
| Memoranda: | ||
| Average total assets | $371,802,800 | 1,755 |
| Average earning assets | $346,974,600 | 1,713 |
| Average equity | $23,617,400 | 2,715 |
| Average total loans | $240,959,400 | 1,739 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 3,514 |
| Cost of funding earning assets | 1.2088% | 2,267 |
| Net interest margin | 3.6997% | 4,330 |
| Noninterest income to average assets | 0.2140% | 6,081 |
| Noninterest expense to average assets | 2.5731% | 5,184 |
| Loan and lease loss provision to assets | 0.4984% | 1,993 |
| Net operating income to assets | 0.3722% | 5,121 |
| Return on assets (ROA) | 0.3824% | 5,260 |
| Pretax return on assets | 0.6119% | 4,770 |
| Return on Equity (ROE) | 5.9688% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.7122% | 4,104 |
| Net charge-offs to loans | 1.3055% | 1,184 |
| Credit loss provision to net charge-offs | 58.5066% | 4,840 |
| Earnings coverage of net charge-offs (x) | 1.2847% | 4,653 |
| Efficiency ratio | 70.1587% | 3,934 |
| Assets per employee ($millions) | 6.1969% | 1,086 |
| Cash dividends to net income (ytd only)* | 37.8072% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,611 |
| Loan loss allowance to noncurrent loans | 17.4670% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 4.3891% | 1,374 |
| Noncurrent loans to loans | 6.6746% | 775 |
| Net loans and leases to total assets | 61.8433% | 3,763 |
| Net loans and leases to deposits | 73.2192% | 3,775 |
| Net loans and leases to core deposits | 75.2481% | 4,288 |
| Total domestic deposits to total assets | 84.4632% | 4,028 |
| Equity capital to assets | 6.5950% | 7,124 |
| Core capital (leverage) ratio | 6.6503% | 7,041 |
| Tier 1 risk-based capital ratio | 8.7742% | 7,137 |
| Total risk-based capital ratio | 10.7973% | 7,046 |
| Memoranda: | ||
| Average total assets | $368,889,750 | 1,766 |
| Average earning assets | $344,342,500 | 1,730 |
| Average equity | $23,633,250 | 2,709 |
| Average total loans | $240,720,000 | 1,753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 3,146 |
| Cost of funding earning assets | 1.2388% | 2,331 |
| Net interest margin | 3.7628% | 3,974 |
| Noninterest income to average assets | 0.2455% | 5,888 |
| Noninterest expense to average assets | 2.6087% | 5,153 |
| Loan and lease loss provision to assets | 0.6475% | 1,482 |
| Net operating income to assets | 0.3107% | 5,328 |
| Return on assets (ROA) | 0.3107% | 5,464 |
| Pretax return on assets | 0.4926% | 5,097 |
| Return on Equity (ROE) | 4.9022% | 4,499 |
| Retained earnings to average equity (ytd only) | 1.4131% | 5,279 |
| Net charge-offs to loans | 1.9471% | 696 |
| Credit loss provision to net charge-offs | 50.2144% | 4,577 |
| Earnings coverage of net charge-offs (x) | 0.8842% | 4,632 |
| Efficiency ratio | 69.5870% | 4,190 |
| Assets per employee ($millions) | 6.0446% | 1,165 |
| Cash dividends to net income (ytd only)* | 71.1744% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,869 |
| Loan loss allowance to noncurrent loans | 20.5569% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 3.6807% | 1,769 |
| Noncurrent loans to loans | 5.4531% | 1,165 |
| Net loans and leases to total assets | 62.7248% | 3,732 |
| Net loans and leases to deposits | 73.1893% | 3,918 |
| Net loans and leases to core deposits | 75.2990% | 4,399 |
| Total domestic deposits to total assets | 85.7022% | 3,494 |
| Equity capital to assets | 6.2148% | 7,220 |
| Core capital (leverage) ratio | 6.7826% | 7,059 |
| Tier 1 risk-based capital ratio | 8.9114% | 7,185 |
| Total risk-based capital ratio | 10.9444% | 7,065 |
| Memoranda: | ||
| Average total assets | $361,718,670 | 1,813 |
| Average earning assets | $336,766,330 | 1,779 |
| Average equity | $22,928,670 | 2,769 |
| Average total loans | $239,531,330 | 1,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 2,336 |
| Cost of funding earning assets | 1.2443% | 2,543 |
| Net interest margin | 3.9291% | 3,003 |
| Noninterest income to average assets | 0.3300% | 5,267 |
| Noninterest expense to average assets | 2.6521% | 5,024 |
| Loan and lease loss provision to assets | 1.0732% | 691 |
| Net operating income to assets | 0.1712% | 5,883 |
| Return on assets (ROA) | 0.1712% | 5,929 |
| Pretax return on assets | 0.2601% | 5,779 |
| Return on Equity (ROE) | 2.6728% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.6728% | 4,560 |
| Net charge-offs to loans | 3.0229% | 360 |
| Credit loss provision to net charge-offs | 52.4491% | 3,704 |
| Earnings coverage of net charge-offs (x) | 0.6516% | 4,137 |
| Efficiency ratio | 66.5442% | 4,938 |
| Assets per employee ($millions) | 5.8395% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,425 |
| Loan loss allowance to noncurrent loans | 27.0675% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 3.3051% | 2,070 |
| Noncurrent loans to loans | 4.5979% | 1,506 |
| Net loans and leases to total assets | 65.9839% | 3,013 |
| Net loans and leases to deposits | 77.2680% | 3,197 |
| Net loans and leases to core deposits | 79.5484% | 3,814 |
| Total domestic deposits to total assets | 85.3962% | 3,839 |
| Equity capital to assets | 6.4243% | 7,225 |
| Core capital (leverage) ratio | 6.9203% | 7,038 |
| Tier 1 risk-based capital ratio | 9.0084% | 7,221 |
| Total risk-based capital ratio | 11.1754% | 7,031 |
| Memoranda: | ||
| Average total assets | $355,196,000 | 1,855 |
| Average earning assets | $330,461,000 | 1,815 |
| Average equity | $22,747,500 | 2,775 |
| Average total loans | $240,429,500 | 1,793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 3,676 |
| Cost of funding earning assets | 1.3899% | 3,338 |
| Net interest margin | 3.7947% | 3,971 |
| Noninterest income to average assets | 0.3208% | 5,489 |
| Noninterest expense to average assets | 2.5586% | 5,587 |
| Loan and lease loss provision to assets | 0.2292% | 4,987 |
| Net operating income to assets | 0.6544% | 3,421 |
| Return on assets (ROA) | 0.6544% | 3,562 |
| Pretax return on assets | 1.0600% | 2,737 |
| Return on Equity (ROE) | 9.6118% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.6118% | 584 |
| Net charge-offs to loans | 0.1588% | 5,394 |
| Credit loss provision to net charge-offs | 203.1414% | 1,531 |
| Earnings coverage of net charge-offs (x) | 11.4241% | 1,610 |
| Efficiency ratio | 66.4952% | 4,871 |
| Assets per employee ($millions) | 5.9031% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 3,679 |
| Loan loss allowance to noncurrent loans | 35.8374% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 3.2486% | 2,172 |
| Noncurrent loans to loans | 4.3960% | 1,630 |
| Net loans and leases to total assets | 67.4878% | 3,106 |
| Net loans and leases to deposits | 79.0661% | 3,332 |
| Net loans and leases to core deposits | 81.5778% | 3,963 |
| Total domestic deposits to total assets | 85.3562% | 3,690 |
| Equity capital to assets | 6.3840% | 7,276 |
| Core capital (leverage) ratio | 6.8605% | 7,084 |
| Tier 1 risk-based capital ratio | 8.8613% | 7,267 |
| Total risk-based capital ratio | 11.1934% | 6,994 |
| Memoranda: | ||
| Average total assets | $338,499,400 | 1,930 |
| Average earning assets | $314,622,200 | 1,885 |
| Average equity | $23,044,600 | 2,754 |
| Average total loans | $240,582,600 | 1,813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1670% | 4,004 |
| Cost of funding earning assets | 1.4160% | 3,484 |
| Net interest margin | 3.7511% | 4,181 |
| Noninterest income to average assets | 0.2734% | 5,923 |
| Noninterest expense to average assets | 2.4974% | 5,724 |
| Loan and lease loss provision to assets | 0.1522% | 5,520 |
| Net operating income to assets | 0.6858% | 3,492 |
| Return on assets (ROA) | 0.6858% | 3,642 |
| Pretax return on assets | 1.1106% | 2,793 |
| Return on Equity (ROE) | 9.9106% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.9106% | 815 |
| Net charge-offs to loans | 0.0833% | 5,695 |
| Credit loss provision to net charge-offs | 254.6667% | 1,309 |
| Earnings coverage of net charge-offs (x) | 21.1262% | 1,141 |
| Efficiency ratio | 66.4159% | 4,770 |
| Assets per employee ($millions) | 6.6868% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,905 |
| Loan loss allowance to noncurrent loans | 33.1734% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 3.0032% | 2,418 |
| Noncurrent loans to loans | 4.5617% | 1,575 |
| Net loans and leases to total assets | 64.8387% | 3,940 |
| Net loans and leases to deposits | 76.9442% | 4,017 |
| Net loans and leases to core deposits | 80.0452% | 4,514 |
| Total domestic deposits to total assets | 84.2671% | 3,973 |
| Equity capital to assets | 6.5725% | 7,418 |
| Core capital (leverage) ratio | 6.7586% | 7,269 |
| Tier 1 risk-based capital ratio | 8.6883% | 7,418 |
| Total risk-based capital ratio | 10.8049% | 7,235 |
| Memoranda: | ||
| Average total assets | $334,578,250 | 1,974 |
| Average earning assets | $311,014,500 | 1,945 |
| Average equity | $23,153,000 | 2,784 |
| Average total loans | $240,014,000 | 1,848 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 3,351 |
| Cost of funding earning assets | 1.4620% | 3,481 |
| Net interest margin | 3.8625% | 3,624 |
| Noninterest income to average assets | 0.1694% | 6,694 |
| Noninterest expense to average assets | 2.5792% | 5,411 |
| Loan and lease loss provision to assets | 0.0903% | 6,024 |
| Net operating income to assets | 0.6658% | 3,554 |
| Return on assets (ROA) | 0.6658% | 3,699 |
| Pretax return on assets | 1.0800% | 2,849 |
| Return on Equity (ROE) | 9.4418% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.4418% | 976 |
| Net charge-offs to loans | 0.1245% | 4,945 |
| Credit loss provision to net charge-offs | 97.9866% | 4,182 |
| Earnings coverage of net charge-offs (x) | 12.7047% | 1,656 |
| Efficiency ratio | 68.7881% | 4,428 |
| Assets per employee ($millions) | 6.2061% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 4,349 |
| Loan loss allowance to noncurrent loans | 34.0618% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 2.9493% | 2,427 |
| Noncurrent loans to loans | 4.1586% | 1,796 |
| Net loans and leases to total assets | 69.9159% | 2,922 |
| Net loans and leases to deposits | 82.6530% | 3,146 |
| Net loans and leases to core deposits | 86.3813% | 3,776 |
| Total domestic deposits to total assets | 84.5897% | 3,826 |
| Equity capital to assets | 6.8528% | 7,400 |
| Core capital (leverage) ratio | 7.1314% | 7,109 |
| Tier 1 risk-based capital ratio | 8.6180% | 7,469 |
| Total risk-based capital ratio | 10.7523% | 7,266 |
| Memoranda: | ||
| Average total assets | $323,512,330 | 2,051 |
| Average earning assets | $299,857,670 | 2,028 |
| Average equity | $22,813,330 | 2,820 |
| Average total loans | $239,310,330 | 1,878 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 3,117 |
| Cost of funding earning assets | 1.4717% | 3,726 |
| Net interest margin | 3.9126% | 3,272 |
| Noninterest income to average assets | 0.1958% | 6,559 |
| Noninterest expense to average assets | 2.6039% | 5,345 |
| Loan and lease loss provision to assets | 0.1399% | 5,151 |
| Net operating income to assets | 0.6637% | 3,596 |
| Return on assets (ROA) | 0.6637% | 3,708 |
| Pretax return on assets | 1.0757% | 2,823 |
| Return on Equity (ROE) | 9.2699% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.2699% | 1,329 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1758% | 4,692 |
| Assets per employee ($millions) | 5.8738% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 3,947 |
| Loan loss allowance to noncurrent loans | 47.1512% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.3253% | 3,121 |
| Noncurrent loans to loans | 3.1639% | 2,535 |
| Net loans and leases to total assets | 72.3972% | 2,355 |
| Net loans and leases to deposits | 86.6457% | 2,476 |
| Net loans and leases to core deposits | 90.8966% | 3,244 |
| Total domestic deposits to total assets | 83.5554% | 4,361 |
| Equity capital to assets | 7.0578% | 7,344 |
| Core capital (leverage) ratio | 7.3873% | 6,947 |
| Tier 1 risk-based capital ratio | 8.6384% | 7,541 |
| Total risk-based capital ratio | 10.7987% | 7,274 |
| Memoranda: | ||
| Average total assets | $314,600,000 | 2,164 |
| Average earning assets | $291,364,500 | 2,137 |
| Average equity | $22,524,500 | 2,876 |
| Average total loans | $237,926,500 | 1,937 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 3,430 |
| Cost of funding earning assets | 2.1633% | 2,174 |
| Net interest margin | 3.4686% | 5,088 |
| Noninterest income to average assets | 0.2132% | 6,580 |
| Noninterest expense to average assets | 2.8014% | 4,968 |
| Loan and lease loss provision to assets | 0.8841% | 2,535 |
| Net operating income to assets | -0.1447% | 5,756 |
| Return on assets (ROA) | -0.1447% | 5,753 |
| Pretax return on assets | -0.2788% | 5,815 |
| Return on Equity (ROE) | -2.1458% | 5,879 |
| Retained earnings to average equity (ytd only) | -2.1458% | 5,547 |
| Net charge-offs to loans | 0.1043% | 6,098 |
| Credit loss provision to net charge-offs | 1,095.2381% | 269 |
| Earnings coverage of net charge-offs (x) | 7.4978% | 2,131 |
| Efficiency ratio | 82.2341% | 2,570 |
| Assets per employee ($millions) | 5.5662% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,034 |
| Loan loss allowance to noncurrent loans | 32.5493% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 3.4442% | 1,954 |
| Noncurrent loans to loans | 4.4224% | 1,615 |
| Net loans and leases to total assets | 76.7599% | 1,637 |
| Net loans and leases to deposits | 94.1097% | 1,580 |
| Net loans and leases to core deposits | 114.0079% | 2,494 |
| Total domestic deposits to total assets | 81.5643% | 5,125 |
| Equity capital to assets | 7.2673% | 7,222 |
| Core capital (leverage) ratio | 7.2856% | 7,000 |
| Tier 1 risk-based capital ratio | 8.5476% | 7,577 |
| Total risk-based capital ratio | 10.7198% | 7,222 |
| Memoranda: | ||
| Average total assets | $286,175,600 | 2,302 |
| Average earning assets | $263,480,400 | 2,296 |
| Average equity | $19,293,800 | 3,305 |
| Average total loans | $221,453,000 | 2,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5945% | 3,896 |
| Cost of funding earning assets | 2.3284% | 1,882 |
| Net interest margin | 3.2661% | 5,769 |
| Noninterest income to average assets | 0.1698% | 6,994 |
| Noninterest expense to average assets | 2.8142% | 4,829 |
| Loan and lease loss provision to assets | 1.1148% | 1,751 |
| Net operating income to assets | -0.4324% | 6,360 |
| Return on assets (ROA) | -0.4324% | 6,359 |
| Pretax return on assets | -0.7582% | 6,522 |
| Return on Equity (ROE) | -6.5532% | 6,614 |
| Retained earnings to average equity (ytd only) | -6.5532% | 6,454 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7543% | 1,799 |
| Assets per employee ($millions) | 5.5085% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 3,536 |
| Loan loss allowance to noncurrent loans | 53.5094% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.2144% | 3,077 |
| Noncurrent loans to loans | 2.7697% | 2,742 |
| Net loans and leases to total assets | 76.4435% | 1,909 |
| Net loans and leases to deposits | 93.0755% | 2,048 |
| Net loans and leases to core deposits | 110.0757% | 3,228 |
| Total domestic deposits to total assets | 82.1306% | 4,625 |
| Equity capital to assets | 6.6159% | 7,736 |
| Core capital (leverage) ratio | 6.7363% | 7,564 |
| Tier 1 risk-based capital ratio | 7.7674% | 7,827 |
| Total risk-based capital ratio | 10.1812% | 7,668 |
| Memoranda: | ||
| Average total assets | $281,184,750 | 2,354 |
| Average earning assets | $258,366,500 | 2,353 |
| Average equity | $18,555,250 | 3,442 |
| Average total loans | $217,210,250 | 2,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 4,385 |
| Cost of funding earning assets | 2.4337% | 1,831 |
| Net interest margin | 3.1063% | 6,215 |
| Noninterest income to average assets | 0.1614% | 7,120 |
| Noninterest expense to average assets | 2.9337% | 4,364 |
| Loan and lease loss provision to assets | 1.6202% | 1,038 |
| Net operating income to assets | -0.9046% | 6,901 |
| Return on assets (ROA) | -0.9046% | 6,914 |
| Pretax return on assets | -1.5398% | 7,105 |
| Return on Equity (ROE) | -13.7217% | 7,262 |
| Retained earnings to average equity (ytd only) | -13.7217% | 7,162 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3353% | 1,301 |
| Assets per employee ($millions) | 5.2820% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,274 |
| Loan loss allowance to noncurrent loans | 56.9100% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.0606% | 3,115 |
| Noncurrent loans to loans | 2.6111% | 2,768 |
| Net loans and leases to total assets | 75.1272% | 2,412 |
| Net loans and leases to deposits | 94.4167% | 2,024 |
| Net loans and leases to core deposits | 115.1380% | 2,793 |
| Total domestic deposits to total assets | 79.5698% | 5,611 |
| Equity capital to assets | 6.4914% | 7,822 |
| Core capital (leverage) ratio | 6.7804% | 7,669 |
| Tier 1 risk-based capital ratio | 7.7247% | 7,939 |
| Total risk-based capital ratio | 10.1828% | 7,763 |
| Memoranda: | ||
| Average total assets | $273,924,670 | 2,414 |
| Average earning assets | $251,553,330 | 2,425 |
| Average equity | $18,059,000 | 3,540 |
| Average total loans | $211,253,330 | 2,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 4,621 |
| Cost of funding earning assets | 2.4926% | 1,944 |
| Net interest margin | 3.0610% | 6,301 |
| Noninterest income to average assets | 0.1414% | 7,288 |
| Noninterest expense to average assets | 2.9172% | 4,096 |
| Loan and lease loss provision to assets | 0.5186% | 2,391 |
| Net operating income to assets | -0.2738% | 6,652 |
| Return on assets (ROA) | -0.2738% | 6,725 |
| Pretax return on assets | -0.4852% | 6,810 |
| Return on Equity (ROE) | -4.1171% | 6,900 |
| Retained earnings to average equity (ytd only) | -4.1171% | 6,438 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8660% | 1,181 |
| Assets per employee ($millions) | 4.9723% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 7,466 |
| Loan loss allowance to noncurrent loans | 79.6757% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 5,306 |
| Noncurrent loans to loans | 0.8642% | 5,287 |
| Net loans and leases to total assets | 76.3556% | 2,193 |
| Net loans and leases to deposits | 92.8805% | 2,456 |
| Net loans and leases to core deposits | 115.3922% | 2,860 |
| Total domestic deposits to total assets | 82.2084% | 4,468 |
| Equity capital to assets | 7.0383% | 7,662 |
| Core capital (leverage) ratio | 7.5334% | 7,116 |
| Tier 1 risk-based capital ratio | 8.2755% | 7,981 |
| Total risk-based capital ratio | 10.1647% | 7,876 |
| Memoranda: | ||
| Average total assets | $262,990,500 | 2,524 |
| Average earning assets | $241,358,500 | 2,524 |
| Average equity | $17,488,000 | 3,639 |
| Average total loans | $204,093,500 | 2,324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0465% | 5,312 |
| Cost of funding earning assets | 2.7078% | 3,131 |
| Net interest margin | 3.3387% | 5,906 |
| Noninterest income to average assets | 0.1838% | 7,130 |
| Noninterest expense to average assets | 3.2206% | 3,254 |
| Loan and lease loss provision to assets | 0.0970% | 6,148 |
| Net operating income to assets | -0.0382% | 6,424 |
| Return on assets (ROA) | -0.0382% | 6,276 |
| Pretax return on assets | -0.1101% | 6,282 |
| Return on Equity (ROE) | -0.5654% | 6,303 |
| Retained earnings to average equity (ytd only) | -0.5849% | 5,463 |
| Net charge-offs to loans | 0.0821% | 5,594 |
| Credit loss provision to net charge-offs | 160.1449% | 3,225 |
| Earnings coverage of net charge-offs (x) | -0.2174% | 6,379 |
| Efficiency ratio | 100.4104% | 966 |
| Assets per employee ($millions) | 4.3427% | 2,895 |
| Cash dividends to net income (ytd only)* | -3.4483% | 7,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 7,707 |
| Loan loss allowance to noncurrent loans | 47.7053% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 4,149 |
| Noncurrent loans to loans | 1.2236% | 4,067 |
| Net loans and leases to total assets | 77.9571% | 2,153 |
| Net loans and leases to deposits | 95.5160% | 2,523 |
| Net loans and leases to core deposits | 114.1536% | 3,324 |
| Total domestic deposits to total assets | 81.6167% | 4,363 |
| Equity capital to assets | 6.2125% | 8,015 |
| Core capital (leverage) ratio | 6.2377% | 8,008 |
| Tier 1 risk-based capital ratio | 7.2100% | 8,157 |
| Total risk-based capital ratio | 9.1478% | 8,129 |
| Memoranda: | ||
| Average total assets | $227,909,800 | 2,796 |
| Average earning assets | $206,400,400 | 2,811 |
| Average equity | $15,388,000 | 4,058 |
| Average total loans | $168,039,000 | 2,642 |