Home > CornerstoneBank > Performance and Condition Ratios
CornerstoneBank, Performance and Condition Ratios
| 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 | 3.7594% | 2,125 |
| Cost of funding earning assets | 0.6820% | 422 |
| Net interest margin | 3.0774% | 3,106 |
| Noninterest income to average assets | 0.5545% | 2,395 |
| Noninterest expense to average assets | 2.9995% | 972 |
| Loan and lease loss provision to assets | -0.1519% | 4,689 |
| Net operating income to assets | 0.6427% | 3,920 |
| Return on assets (ROA) | 0.8044% | 3,588 |
| Pretax return on assets | 0.8044% | 3,885 |
| Return on Equity (ROE) | 9.3735% | 2,975 |
| Retained earnings to average equity (ytd only) | 9.3735% | 1,542 |
| Net charge-offs to loans | -0.0056% | 3,471 |
| Credit loss provision to net charge-offs | 4,166.6667% | 188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9408% | 436 |
| Assets per employee ($millions) | 8.4713% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 1,038 |
| Loan loss allowance to noncurrent loans | 43.5573% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.5393% | 119 |
| Noncurrent loans to loans | 3.9886% | 129 |
| Net loans and leases to total assets | 56.2564% | 2,703 |
| Net loans and leases to deposits | 62.1430% | 3,023 |
| Net loans and leases to core deposits | 68.3477% | 2,747 |
| Total domestic deposits to total assets | 90.5274% | 543 |
| Equity capital to assets | 8.3406% | 4,311 |
| Core capital (leverage) ratio | 8.1645% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4839% | 1,051 |
| Memoranda: | ||
| Average total assets | $219,278,500 | 2,942 |
| Average earning assets | $209,176,000 | 2,906 |
| Average equity | $18,818,500 | 3,357 |
| Average total loans | $142,655,750 | 2,741 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 978 |
| Cost of funding earning assets | 0.7142% | 430 |
| Net interest margin | 3.6022% | 1,589 |
| Noninterest income to average assets | 0.4470% | 2,862 |
| Noninterest expense to average assets | 2.9751% | 1,026 |
| Loan and lease loss provision to assets | -0.2313% | 4,786 |
| Net operating income to assets | 1.1336% | 2,421 |
| Return on assets (ROA) | 1.1336% | 2,486 |
| Pretax return on assets | 1.1336% | 3,106 |
| Return on Equity (ROE) | 13.0790% | 1,685 |
| Retained earnings to average equity (ytd only) | 13.0790% | 704 |
| Net charge-offs to loans | -0.0055% | 3,459 |
| Credit loss provision to net charge-offs | 6,250.0000% | 98 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7303% | 1,013 |
| Assets per employee ($millions) | 7.2177% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 1,255 |
| Loan loss allowance to noncurrent loans | 42.8060% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.6347% | 123 |
| Noncurrent loans to loans | 3.7548% | 155 |
| Net loans and leases to total assets | 62.1892% | 2,155 |
| Net loans and leases to deposits | 69.0446% | 2,510 |
| Net loans and leases to core deposits | 76.1152% | 2,229 |
| Total domestic deposits to total assets | 90.0710% | 742 |
| Equity capital to assets | 8.6539% | 4,083 |
| Core capital (leverage) ratio | 8.7654% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9773% | 1,125 |
| Memoranda: | ||
| Average total assets | $216,130,000 | 2,965 |
| Average earning assets | $205,818,667 | 2,936 |
| Average equity | $18,732,333 | 3,361 |
| Average total loans | $146,558,667 | 2,722 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 1,411 |
| Cost of funding earning assets | 0.7929% | 369 |
| Net interest margin | 3.2986% | 2,393 |
| Noninterest income to average assets | 0.6745% | 1,942 |
| Noninterest expense to average assets | 2.8316% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9778% | 2,879 |
| Return on assets (ROA) | 0.9778% | 2,974 |
| Pretax return on assets | 0.9778% | 3,437 |
| Return on Equity (ROE) | 11.2722% | 2,283 |
| Retained earnings to average equity (ytd only) | 11.2722% | 1,326 |
| Net charge-offs to loans | -0.0027% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3323% | 1,280 |
| Assets per employee ($millions) | 6.6793% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 1,058 |
| Loan loss allowance to noncurrent loans | 42.9009% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.0220% | 94 |
| Noncurrent loans to loans | 3.9495% | 140 |
| Net loans and leases to total assets | 68.4049% | 1,477 |
| Net loans and leases to deposits | 76.0832% | 1,900 |
| Net loans and leases to core deposits | 84.2696% | 1,656 |
| Total domestic deposits to total assets | 89.9081% | 866 |
| Equity capital to assets | 8.7229% | 3,941 |
| Core capital (leverage) ratio | 8.4191% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7162% | 1,384 |
| Memoranda: | ||
| Average total assets | $212,321,000 | 2,993 |
| Average earning assets | $201,783,000 | 2,956 |
| Average equity | $18,417,000 | 3,384 |
| Average total loans | $149,128,000 | 2,699 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 2,206 |
| Cost of funding earning assets | 0.9614% | 688 |
| Net interest margin | 3.2169% | 3,314 |
| Noninterest income to average assets | 0.3510% | 3,361 |
| Noninterest expense to average assets | 4.3849% | 278 |
| Loan and lease loss provision to assets | 0.1748% | 2,199 |
| Net operating income to assets | -1.1579% | 4,942 |
| Return on assets (ROA) | -1.1579% | 4,943 |
| Pretax return on assets | -1.1579% | 4,936 |
| Return on Equity (ROE) | -12.6169% | 4,962 |
| Retained earnings to average equity (ytd only) | -12.6169% | 4,933 |
| Net charge-offs to loans | 0.3699% | 472 |
| Credit loss provision to net charge-offs | 68.0147% | 3,055 |
| Earnings coverage of net charge-offs (x) | -3.8254% | 3,373 |
| Efficiency ratio | 128.8988% | 60 |
| Assets per employee ($millions) | 6.3911% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,075 |
| Loan loss allowance to noncurrent loans | 32.5873% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 3.9425% | 66 |
| Noncurrent loans to loans | 5.1695% | 78 |
| Net loans and leases to total assets | 69.7045% | 1,597 |
| Net loans and leases to deposits | 82.2435% | 1,642 |
| Net loans and leases to core deposits | 92.3332% | 1,361 |
| Total domestic deposits to total assets | 84.7539% | 2,854 |
| Equity capital to assets | 8.6247% | 4,355 |
| Core capital (leverage) ratio | 8.3071% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7905% | 1,599 |
| Memoranda: | ||
| Average total assets | $211,679,400 | 2,848 |
| Average earning assets | $200,752,000 | 2,818 |
| Average equity | $19,426,400 | 3,240 |
| Average total loans | $147,080,800 | 2,685 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 2,558 |
| Cost of funding earning assets | 0.9766% | 830 |
| Net interest margin | 3.1627% | 3,584 |
| Noninterest income to average assets | 0.3077% | 3,649 |
| Noninterest expense to average assets | 4.2427% | 309 |
| Loan and lease loss provision to assets | 0.2327% | 1,745 |
| Net operating income to assets | -1.1699% | 4,955 |
| Return on assets (ROA) | -1.1699% | 4,957 |
| Pretax return on assets | -1.1699% | 4,952 |
| Return on Equity (ROE) | -12.5591% | 4,978 |
| Retained earnings to average equity (ytd only) | -12.5591% | 4,953 |
| Net charge-offs to loans | 0.4306% | 368 |
| Credit loss provision to net charge-offs | 78.2241% | 2,770 |
| Earnings coverage of net charge-offs (x) | -3.1480% | 3,177 |
| Efficiency ratio | 128.3457% | 61 |
| Assets per employee ($millions) | 6.3495% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,010 |
| Loan loss allowance to noncurrent loans | 31.8143% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.9499% | 85 |
| Noncurrent loans to loans | 5.1405% | 101 |
| Net loans and leases to total assets | 70.0984% | 1,937 |
| Net loans and leases to deposits | 84.3395% | 1,875 |
| Net loans and leases to core deposits | 93.2279% | 1,694 |
| Total domestic deposits to total assets | 83.1145% | 3,115 |
| Equity capital to assets | 8.5726% | 4,425 |
| Core capital (leverage) ratio | 8.2308% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3602% | 1,409 |
| Memoranda: | ||
| Average total assets | $211,872,750 | 2,834 |
| Average earning assets | $200,837,500 | 2,799 |
| Average equity | $19,735,500 | 3,211 |
| Average total loans | $146,468,500 | 2,698 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 2,965 |
| Cost of funding earning assets | 1.0065% | 971 |
| Net interest margin | 3.1249% | 3,846 |
| Noninterest income to average assets | 0.4309% | 2,903 |
| Noninterest expense to average assets | 4.4813% | 254 |
| Loan and lease loss provision to assets | 0.3541% | 1,190 |
| Net operating income to assets | -1.4461% | 4,994 |
| Return on assets (ROA) | -1.4461% | 4,995 |
| Pretax return on assets | -1.4461% | 4,984 |
| Return on Equity (ROE) | -15.0974% | 5,017 |
| Retained earnings to average equity (ytd only) | -15.0974% | 4,982 |
| Net charge-offs to loans | 0.6863% | 230 |
| Credit loss provision to net charge-offs | 75.4601% | 2,524 |
| Earnings coverage of net charge-offs (x) | -2.3272% | 2,963 |
| Efficiency ratio | 132.2197% | 63 |
| Assets per employee ($millions) | 6.0847% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,092 |
| Loan loss allowance to noncurrent loans | 30.2955% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 4.1180% | 81 |
| Noncurrent loans to loans | 5.1636% | 102 |
| Net loans and leases to total assets | 71.9142% | 1,726 |
| Net loans and leases to deposits | 84.2930% | 1,972 |
| Net loans and leases to core deposits | 92.5848% | 1,853 |
| Total domestic deposits to total assets | 85.3146% | 2,266 |
| Equity capital to assets | 8.6517% | 4,389 |
| Core capital (leverage) ratio | 8.2608% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6684% | 1,582 |
| Memoranda: | ||
| Average total assets | $208,419,667 | 2,837 |
| Average earning assets | $197,319,333 | 2,808 |
| Average equity | $19,963,667 | 3,177 |
| Average total loans | $142,501,000 | 2,721 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 3,421 |
| Cost of funding earning assets | 1.0541% | 1,206 |
| Net interest margin | 3.0796% | 4,135 |
| Noninterest income to average assets | 0.5838% | 2,109 |
| Noninterest expense to average assets | 4.3067% | 367 |
| Loan and lease loss provision to assets | 0.2519% | 1,231 |
| Net operating income to assets | -1.0657% | 4,997 |
| Return on assets (ROA) | -1.0657% | 4,980 |
| Pretax return on assets | -1.0657% | 4,964 |
| Return on Equity (ROE) | -10.5511% | 5,003 |
| Retained earnings to average equity (ytd only) | -10.5511% | 4,784 |
| Net charge-offs to loans | -0.0274% | 4,436 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.2971% | 99 |
| Assets per employee ($millions) | 5.2505% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 419 |
| Loan loss allowance to noncurrent loans | 33.1303% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 4.5485% | 83 |
| Noncurrent loans to loans | 6.4036% | 69 |
| Net loans and leases to total assets | 63.7165% | 3,099 |
| Net loans and leases to deposits | 78.1336% | 2,870 |
| Net loans and leases to core deposits | 86.9015% | 2,605 |
| Total domestic deposits to total assets | 81.5482% | 3,536 |
| Equity capital to assets | 9.8491% | 3,920 |
| Core capital (leverage) ratio | 10.0411% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8104% | 1,392 |
| Memoranda: | ||
| Average total assets | $200,062,000 | 2,869 |
| Average earning assets | $188,984,500 | 2,839 |
| Average equity | $20,206,500 | 3,151 |
| Average total loans | $131,513,000 | 2,816 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 2,255 |
| Cost of funding earning assets | 1.0843% | 1,390 |
| Net interest margin | 3.6411% | 2,990 |
| Noninterest income to average assets | 0.4670% | 2,918 |
| Noninterest expense to average assets | 4.2387% | 406 |
| Loan and lease loss provision to assets | 0.3751% | 396 |
| Net operating income to assets | -0.7142% | 5,070 |
| Return on assets (ROA) | -0.6423% | 5,070 |
| Pretax return on assets | -0.6423% | 5,068 |
| Return on Equity (ROE) | -6.4838% | 5,093 |
| Retained earnings to average equity (ytd only) | -6.4838% | 5,017 |
| Net charge-offs to loans | 0.6646% | 263 |
| Credit loss provision to net charge-offs | 84.0129% | 2,746 |
| Earnings coverage of net charge-offs (x) | -0.7597% | 3,651 |
| Efficiency ratio | 108.6967% | 110 |
| Assets per employee ($millions) | 4.6513% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 406 |
| Loan loss allowance to noncurrent loans | 30.3985% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 4.9505% | 65 |
| Noncurrent loans to loans | 6.8291% | 51 |
| Net loans and leases to total assets | 65.0269% | 3,068 |
| Net loans and leases to deposits | 80.6660% | 2,700 |
| Net loans and leases to core deposits | 90.6019% | 2,363 |
| Total domestic deposits to total assets | 80.6125% | 3,850 |
| Equity capital to assets | 10.3633% | 3,577 |
| Core capital (leverage) ratio | 10.4825% | 2,968 |
| Tier 1 risk-based capital ratio | 16.7520% | 2,137 |
| Total risk-based capital ratio | 18.3439% | 1,956 |
| Memoranda: | ||
| Average total assets | $208,766,000 | 2,771 |
| Average earning assets | $196,810,200 | 2,734 |
| Average equity | $20,682,400 | 3,069 |
| Average total loans | $140,234,000 | 2,715 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 1,769 |
| Cost of funding earning assets | 1.0878% | 1,395 |
| Net interest margin | 3.8296% | 2,504 |
| Noninterest income to average assets | 0.4224% | 3,192 |
| Noninterest expense to average assets | 4.2019% | 411 |
| Loan and lease loss provision to assets | 0.3696% | 357 |
| Net operating income to assets | -0.5399% | 5,142 |
| Return on assets (ROA) | -0.4457% | 5,140 |
| Pretax return on assets | -0.4457% | 5,133 |
| Return on Equity (ROE) | -4.5466% | 5,150 |
| Retained earnings to average equity (ytd only) | -4.5466% | 5,044 |
| Net charge-offs to loans | 0.7933% | 200 |
| Credit loss provision to net charge-offs | 69.1765% | 2,630 |
| Earnings coverage of net charge-offs (x) | -0.3188% | 3,385 |
| Efficiency ratio | 104.2251% | 123 |
| Assets per employee ($millions) | 4.7034% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 514 |
| Loan loss allowance to noncurrent loans | 39.1383% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 3.8420% | 115 |
| Noncurrent loans to loans | 4.9701% | 104 |
| Net loans and leases to total assets | 67.4414% | 2,872 |
| Net loans and leases to deposits | 84.2865% | 2,423 |
| Net loans and leases to core deposits | 92.7824% | 2,290 |
| Total domestic deposits to total assets | 80.0145% | 3,991 |
| Equity capital to assets | 10.8510% | 3,246 |
| Core capital (leverage) ratio | 10.3302% | 3,282 |
| Tier 1 risk-based capital ratio | 16.9548% | 2,098 |
| Total risk-based capital ratio | 18.5392% | 1,960 |
| Memoranda: | ||
| Average total assets | $212,119,250 | 2,750 |
| Average earning assets | $199,911,750 | 2,734 |
| Average equity | $20,791,750 | 3,080 |
| Average total loans | $142,861,250 | 2,712 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 1,780 |
| Cost of funding earning assets | 1.0842% | 1,362 |
| Net interest margin | 3.8050% | 2,573 |
| Noninterest income to average assets | 0.2993% | 3,941 |
| Noninterest expense to average assets | 4.1419% | 448 |
| Loan and lease loss provision to assets | 0.5372% | 207 |
| Net operating income to assets | -0.7925% | 5,210 |
| Return on assets (ROA) | -0.7431% | 5,212 |
| Pretax return on assets | -0.7431% | 5,210 |
| Return on Equity (ROE) | -7.8275% | 5,227 |
| Retained earnings to average equity (ytd only) | -7.8275% | 5,134 |
| Net charge-offs to loans | 1.1417% | 117 |
| Credit loss provision to net charge-offs | 70.2994% | 2,316 |
| Earnings coverage of net charge-offs (x) | -0.3341% | 3,111 |
| Efficiency ratio | 106.5693% | 115 |
| Assets per employee ($millions) | 4.6184% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 569 |
| Loan loss allowance to noncurrent loans | 35.5148% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 4.1262% | 107 |
| Noncurrent loans to loans | 5.3244% | 90 |
| Net loans and leases to total assets | 63.3512% | 3,413 |
| Net loans and leases to deposits | 82.0137% | 2,730 |
| Net loans and leases to core deposits | 89.3541% | 2,651 |
| Total domestic deposits to total assets | 77.2446% | 4,528 |
| Equity capital to assets | 9.7418% | 4,199 |
| Core capital (leverage) ratio | 9.5756% | 4,075 |
| Tier 1 risk-based capital ratio | 16.0087% | 2,406 |
| Total risk-based capital ratio | 17.5755% | 2,239 |
| Memoranda: | ||
| Average total assets | $218,545,670 | 2,703 |
| Average earning assets | $206,046,330 | 2,675 |
| Average equity | $20,747,330 | 3,080 |
| Average total loans | $146,270,330 | 2,695 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 1,366 |
| Cost of funding earning assets | 1.0542% | 1,360 |
| Net interest margin | 3.9300% | 2,092 |
| Noninterest income to average assets | 0.3845% | 3,300 |
| Noninterest expense to average assets | 4.0867% | 474 |
| Loan and lease loss provision to assets | 0.1986% | 812 |
| Net operating income to assets | -0.1931% | 5,206 |
| Return on assets (ROA) | -0.1300% | 5,186 |
| Pretax return on assets | -0.1300% | 5,177 |
| Return on Equity (ROE) | -1.3864% | 5,200 |
| Retained earnings to average equity (ytd only) | -1.3864% | 4,696 |
| Net charge-offs to loans | -0.0212% | 4,509 |
| Credit loss provision to net charge-offs | -1,375.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8677% | 179 |
| Assets per employee ($millions) | 4.9808% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 557 |
| Loan loss allowance to noncurrent loans | 50.5119% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 3.2570% | 172 |
| Noncurrent loans to loans | 3.8553% | 208 |
| Net loans and leases to total assets | 68.0056% | 2,755 |
| Net loans and leases to deposits | 90.0239% | 1,627 |
| Net loans and leases to core deposits | 98.3282% | 1,751 |
| Total domestic deposits to total assets | 75.5417% | 4,814 |
| Equity capital to assets | 9.5457% | 4,217 |
| Core capital (leverage) ratio | 9.6348% | 3,986 |
| Tier 1 risk-based capital ratio | 15.4910% | 2,655 |
| Total risk-based capital ratio | 17.0395% | 2,462 |
| Memoranda: | ||
| Average total assets | $221,595,500 | 2,711 |
| Average earning assets | $209,059,000 | 2,675 |
| Average equity | $20,773,000 | 3,087 |
| Average total loans | $150,815,000 | 2,679 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,709 |
| Cost of funding earning assets | 0.6442% | 2,432 |
| Net interest margin | 4.0955% | 1,692 |
| Noninterest income to average assets | 0.3877% | 3,512 |
| Noninterest expense to average assets | 3.7657% | 717 |
| Loan and lease loss provision to assets | 0.1122% | 1,968 |
| Net operating income to assets | 0.3856% | 4,882 |
| Return on assets (ROA) | 0.3856% | 4,882 |
| Pretax return on assets | 0.3856% | 4,946 |
| Return on Equity (ROE) | 4.4589% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,074 |
| Net charge-offs to loans | 0.4920% | 362 |
| Credit loss provision to net charge-offs | 33.6218% | 3,329 |
| Earnings coverage of net charge-offs (x) | 1.4920% | 3,620 |
| Efficiency ratio | 88.3235% | 416 |
| Assets per employee ($millions) | 5.2263% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 575 |
| Loan loss allowance to noncurrent loans | 48.0555% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 3.2003% | 180 |
| Noncurrent loans to loans | 3.9518% | 190 |
| Net loans and leases to total assets | 65.3282% | 3,219 |
| Net loans and leases to deposits | 83.6464% | 2,547 |
| Net loans and leases to core deposits | 90.9283% | 2,499 |
| Total domestic deposits to total assets | 78.1004% | 4,471 |
| Equity capital to assets | 9.4990% | 4,136 |
| Core capital (leverage) ratio | 9.9929% | 3,583 |
| Tier 1 risk-based capital ratio | 16.1430% | 2,359 |
| Total risk-based capital ratio | 17.8361% | 2,158 |
| Memoranda: | ||
| Average total assets | $242,449,000 | 2,529 |
| Average earning assets | $229,444,200 | 2,490 |
| Average equity | $20,969,200 | 2,998 |
| Average total loans | $164,418,200 | 2,485 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 1,737 |
| Cost of funding earning assets | 0.5786% | 2,638 |
| Net interest margin | 4.1013% | 1,624 |
| Noninterest income to average assets | 0.4207% | 3,347 |
| Noninterest expense to average assets | 3.9020% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4045% | 4,948 |
| Return on assets (ROA) | 0.4045% | 4,950 |
| Pretax return on assets | 0.4045% | 5,031 |
| Return on Equity (ROE) | 4.7840% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.7840% | 3,355 |
| Net charge-offs to loans | 0.3418% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.7378% | 3,321 |
| Efficiency ratio | 90.6070% | 312 |
| Assets per employee ($millions) | 4.7824% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 523 |
| Loan loss allowance to noncurrent loans | 41.5738% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.9260% | 128 |
| Noncurrent loans to loans | 4.7140% | 146 |
| Net loans and leases to total assets | 68.5264% | 2,863 |
| Net loans and leases to deposits | 78.1822% | 3,222 |
| Net loans and leases to core deposits | 85.2255% | 3,068 |
| Total domestic deposits to total assets | 87.6497% | 1,416 |
| Equity capital to assets | 9.6042% | 3,990 |
| Core capital (leverage) ratio | 9.7180% | 3,927 |
| Tier 1 risk-based capital ratio | 15.6458% | 2,586 |
| Total risk-based capital ratio | 17.3300% | 2,360 |
| Memoranda: | ||
| Average total assets | $246,878,750 | 2,508 |
| Average earning assets | $233,901,750 | 2,469 |
| Average equity | $20,874,750 | 3,031 |
| Average total loans | $168,109,250 | 2,470 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,718 |
| Cost of funding earning assets | 0.5668% | 2,456 |
| Net interest margin | 4.0550% | 1,686 |
| Noninterest income to average assets | 0.5415% | 2,620 |
| Noninterest expense to average assets | 3.7221% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6658% | 4,303 |
| Return on assets (ROA) | 0.6658% | 4,307 |
| Pretax return on assets | 0.6658% | 4,597 |
| Return on Equity (ROE) | 8.1840% | 3,425 |
| Retained earnings to average equity (ytd only) | 8.1840% | 1,542 |
| Net charge-offs to loans | 0.5161% | 290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.9087% | 3,016 |
| Efficiency ratio | 84.8265% | 639 |
| Assets per employee ($millions) | 5.9889% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 886 |
| Loan loss allowance to noncurrent loans | 62.4467% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.7680% | 287 |
| Noncurrent loans to loans | 2.7425% | 443 |
| Net loans and leases to total assets | 71.9942% | 2,275 |
| Net loans and leases to deposits | 80.6227% | 2,885 |
| Net loans and leases to core deposits | 87.6926% | 2,749 |
| Total domestic deposits to total assets | 89.2977% | 817 |
| Equity capital to assets | 9.0017% | 4,558 |
| Core capital (leverage) ratio | 8.5996% | 5,038 |
| Tier 1 risk-based capital ratio | 13.9552% | 3,377 |
| Total risk-based capital ratio | 15.5893% | 3,107 |
| Memoranda: | ||
| Average total assets | $257,435,330 | 2,442 |
| Average earning assets | $244,190,670 | 2,403 |
| Average equity | $20,943,330 | 3,025 |
| Average total loans | $174,004,670 | 2,406 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,354 |
| Cost of funding earning assets | 0.5533% | 2,378 |
| Net interest margin | 3.7965% | 2,440 |
| Noninterest income to average assets | 0.6905% | 1,877 |
| Noninterest expense to average assets | 3.4154% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8821% | 3,366 |
| Return on assets (ROA) | 0.8821% | 3,379 |
| Pretax return on assets | 0.8821% | 3,905 |
| Return on Equity (ROE) | 11.3671% | 1,822 |
| Retained earnings to average equity (ytd only) | 11.3671% | 809 |
| Net charge-offs to loans | 0.4673% | 325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.8976% | 2,427 |
| Efficiency ratio | 79.4748% | 1,199 |
| Assets per employee ($millions) | 6.6117% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 784 |
| Loan loss allowance to noncurrent loans | 56.2766% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8652% | 287 |
| Noncurrent loans to loans | 3.2019% | 356 |
| Net loans and leases to total assets | 63.8082% | 3,335 |
| Net loans and leases to deposits | 70.2556% | 3,768 |
| Net loans and leases to core deposits | 76.3677% | 3,640 |
| Total domestic deposits to total assets | 90.8230% | 376 |
| Equity capital to assets | 7.7420% | 5,350 |
| Core capital (leverage) ratio | 8.2470% | 5,290 |
| Tier 1 risk-based capital ratio | 13.3479% | 3,748 |
| Total risk-based capital ratio | 14.9705% | 3,437 |
| Memoranda: | ||
| Average total assets | $269,370,000 | 2,375 |
| Average earning assets | $255,918,000 | 2,322 |
| Average equity | $20,902,500 | 3,060 |
| Average total loans | $175,465,000 | 2,412 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 2,065 |
| Cost of funding earning assets | 0.7743% | 720 |
| Net interest margin | 3.6125% | 3,126 |
| Noninterest income to average assets | 0.9383% | 1,169 |
| Noninterest expense to average assets | 3.8722% | 636 |
| Loan and lease loss provision to assets | 0.0978% | 2,263 |
| Net operating income to assets | 0.3901% | 4,728 |
| Return on assets (ROA) | 0.3845% | 4,754 |
| Pretax return on assets | 0.3845% | 5,108 |
| Return on Equity (ROE) | 6.0718% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.0718% | 1,500 |
| Net charge-offs to loans | 0.0073% | 3,818 |
| Credit loss provision to net charge-offs | 1,884.6154% | 198 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 675 |
| Efficiency ratio | 88.8095% | 485 |
| Assets per employee ($millions) | 6.0832% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 607 |
| Loan loss allowance to noncurrent loans | 61.6831% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.9373% | 279 |
| Noncurrent loans to loans | 3.1342% | 345 |
| Net loans and leases to total assets | 64.0386% | 3,362 |
| Net loans and leases to deposits | 70.6851% | 3,817 |
| Net loans and leases to core deposits | 76.8977% | 3,675 |
| Total domestic deposits to total assets | 90.5970% | 364 |
| Equity capital to assets | 7.7778% | 5,463 |
| Core capital (leverage) ratio | 8.1741% | 5,363 |
| Tier 1 risk-based capital ratio | 13.4243% | 3,674 |
| Total risk-based capital ratio | 15.1864% | 3,308 |
| Memoranda: | ||
| Average total assets | $250,454,400 | 2,490 |
| Average earning assets | $237,234,000 | 2,450 |
| Average equity | $15,860,200 | 3,613 |
| Average total loans | $178,666,000 | 2,341 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,106 |
| Cost of funding earning assets | 0.7978% | 585 |
| Net interest margin | 3.5533% | 3,308 |
| Noninterest income to average assets | 0.9544% | 1,132 |
| Noninterest expense to average assets | 3.9156% | 583 |
| Loan and lease loss provision to assets | 0.1327% | 1,637 |
| Net operating income to assets | 0.2692% | 5,271 |
| Return on assets (ROA) | 0.2616% | 5,300 |
| Pretax return on assets | 0.2616% | 5,331 |
| Return on Equity (ROE) | 4.4046% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.4046% | 3,276 |
| Net charge-offs to loans | -0.0690% | 5,272 |
| Credit loss provision to net charge-offs | -263.4409% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6913% | 387 |
| Assets per employee ($millions) | 5.6162% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 698 |
| Loan loss allowance to noncurrent loans | 70.7758% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 3.5734% | 207 |
| Noncurrent loans to loans | 2.6890% | 532 |
| Net loans and leases to total assets | 71.0752% | 2,398 |
| Net loans and leases to deposits | 86.2382% | 2,267 |
| Net loans and leases to core deposits | 94.5426% | 2,220 |
| Total domestic deposits to total assets | 82.4173% | 3,654 |
| Equity capital to assets | 7.9879% | 5,526 |
| Core capital (leverage) ratio | 8.2803% | 5,378 |
| Tier 1 risk-based capital ratio | 12.4735% | 4,334 |
| Total risk-based capital ratio | 14.2168% | 3,941 |
| Memoranda: | ||
| Average total assets | $246,153,250 | 2,532 |
| Average earning assets | $232,977,750 | 2,486 |
| Average equity | $14,620,750 | 3,801 |
| Average total loans | $179,636,500 | 2,343 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,139 |
| Cost of funding earning assets | 0.7716% | 609 |
| Net interest margin | 3.5248% | 3,310 |
| Noninterest income to average assets | 0.8616% | 1,387 |
| Noninterest expense to average assets | 4.0884% | 480 |
| Loan and lease loss provision to assets | 0.2009% | 915 |
| Net operating income to assets | -0.0795% | 5,583 |
| Return on assets (ROA) | -0.0910% | 5,588 |
| Pretax return on assets | -0.0910% | 5,580 |
| Return on Equity (ROE) | -1.7391% | 5,619 |
| Retained earnings to average equity (ytd only) | -1.7391% | 5,325 |
| Net charge-offs to loans | 0.0583% | 2,097 |
| Credit loss provision to net charge-offs | 471.1538% | 692 |
| Earnings coverage of net charge-offs (x) | 2.8462% | 3,114 |
| Efficiency ratio | 97.1178% | 229 |
| Assets per employee ($millions) | 5.3757% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 864 |
| Loan loss allowance to noncurrent loans | 71.6277% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.7779% | 194 |
| Noncurrent loans to loans | 2.5306% | 587 |
| Net loans and leases to total assets | 73.1639% | 2,011 |
| Net loans and leases to deposits | 88.1781% | 1,961 |
| Net loans and leases to core deposits | 95.9564% | 1,985 |
| Total domestic deposits to total assets | 82.9730% | 3,576 |
| Equity capital to assets | 5.6979% | 5,751 |
| Core capital (leverage) ratio | 5.9436% | 5,745 |
| Tier 1 risk-based capital ratio | 8.8089% | 5,752 |
| Total risk-based capital ratio | 10.5482% | 5,716 |
| Memoranda: | ||
| Average total assets | $243,960,670 | 2,560 |
| Average earning assets | $231,727,330 | 2,510 |
| Average equity | $12,765,000 | 4,072 |
| Average total loans | $178,477,330 | 2,356 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 2,400 |
| Cost of funding earning assets | 0.7475% | 664 |
| Net interest margin | 3.4187% | 3,579 |
| Noninterest income to average assets | 1.1209% | 791 |
| Noninterest expense to average assets | 4.4358% | 353 |
| Loan and lease loss provision to assets | 0.3137% | 404 |
| Net operating income to assets | -0.3516% | 5,712 |
| Return on assets (ROA) | -0.3384% | 5,706 |
| Pretax return on assets | -0.3384% | 5,695 |
| Return on Equity (ROE) | -6.7755% | 5,757 |
| Retained earnings to average equity (ytd only) | -6.7755% | 5,480 |
| Net charge-offs to loans | -0.0159% | 4,621 |
| Credit loss provision to net charge-offs | -2,714.2857% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8634% | 208 |
| Assets per employee ($millions) | 5.2475% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 883 |
| Loan loss allowance to noncurrent loans | 64.5684% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 4.2120% | 170 |
| Noncurrent loans to loans | 2.8548% | 500 |
| Net loans and leases to total assets | 73.7707% | 1,780 |
| Net loans and leases to deposits | 89.3414% | 1,626 |
| Net loans and leases to core deposits | 96.1024% | 1,813 |
| Total domestic deposits to total assets | 82.5717% | 3,981 |
| Equity capital to assets | 5.7299% | 5,819 |
| Core capital (leverage) ratio | 5.9827% | 5,806 |
| Tier 1 risk-based capital ratio | 8.7829% | 5,817 |
| Total risk-based capital ratio | 10.5245% | 5,787 |
| Memoranda: | ||
| Average total assets | $242,299,500 | 2,596 |
| Average earning assets | $232,249,500 | 2,531 |
| Average equity | $12,102,500 | 4,199 |
| Average total loans | $175,585,000 | 2,399 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 2,403 |
| Cost of funding earning assets | 0.7910% | 526 |
| Net interest margin | 3.4350% | 3,684 |
| Noninterest income to average assets | 0.9229% | 1,341 |
| Noninterest expense to average assets | 4.0095% | 590 |
| Loan and lease loss provision to assets | -0.2460% | 5,809 |
| Net operating income to assets | 0.4392% | 4,829 |
| Return on assets (ROA) | 0.4479% | 4,885 |
| Pretax return on assets | 0.4479% | 5,127 |
| Return on Equity (ROE) | 11.9355% | 1,264 |
| Retained earnings to average equity (ytd only) | 11.9355% | 223 |
| Net charge-offs to loans | -0.4373% | 5,823 |
| Credit loss provision to net charge-offs | 81.2329% | 2,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4012% | 333 |
| Assets per employee ($millions) | 5.4048% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 868 |
| Loan loss allowance to noncurrent loans | 38.8855% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 5.4700% | 103 |
| Noncurrent loans to loans | 4.7674% | 180 |
| Net loans and leases to total assets | 68.5025% | 2,701 |
| Net loans and leases to deposits | 81.2438% | 2,759 |
| Net loans and leases to core deposits | 86.6158% | 2,801 |
| Total domestic deposits to total assets | 84.3172% | 3,312 |
| Equity capital to assets | 4.2653% | 5,888 |
| Core capital (leverage) ratio | 4.5055% | 5,889 |
| Tier 1 risk-based capital ratio | 7.0279% | 5,887 |
| Total risk-based capital ratio | 8.9156% | 5,883 |
| Memoranda: | ||
| Average total assets | $241,099,800 | 2,566 |
| Average earning assets | $230,216,800 | 2,513 |
| Average equity | $9,048,600 | 4,753 |
| Average total loans | $166,950,600 | 2,444 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,090 |
| Cost of funding earning assets | 0.7990% | 510 |
| Net interest margin | 3.5282% | 3,366 |
| Noninterest income to average assets | 0.9710% | 1,209 |
| Noninterest expense to average assets | 4.1450% | 511 |
| Loan and lease loss provision to assets | -0.3187% | 5,915 |
| Net operating income to assets | 0.5099% | 4,659 |
| Return on assets (ROA) | 0.5215% | 4,714 |
| Pretax return on assets | 0.5215% | 5,073 |
| Return on Equity (ROE) | 14.3926% | 759 |
| Retained earnings to average equity (ytd only) | 14.3926% | 155 |
| Net charge-offs to loans | -0.6745% | 5,906 |
| Credit loss provision to net charge-offs | 68.3710% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5905% | 331 |
| Assets per employee ($millions) | 5.3750% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 756 |
| Loan loss allowance to noncurrent loans | 56.5022% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 4.6577% | 159 |
| Noncurrent loans to loans | 3.4942% | 368 |
| Net loans and leases to total assets | 67.2482% | 2,912 |
| Net loans and leases to deposits | 79.7609% | 2,997 |
| Net loans and leases to core deposits | 84.3981% | 3,088 |
| Total domestic deposits to total assets | 84.3123% | 3,093 |
| Equity capital to assets | 3.8263% | 5,965 |
| Core capital (leverage) ratio | 3.9050% | 5,965 |
| Tier 1 risk-based capital ratio | 6.0736% | 5,961 |
| Total risk-based capital ratio | 7.9757% | 5,956 |
| Memoranda: | ||
| Average total assets | $240,570,750 | 2,580 |
| Average earning assets | $229,459,250 | 2,524 |
| Average equity | $8,717,250 | 4,852 |
| Average total loans | $166,249,250 | 2,456 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 2,285 |
| Cost of funding earning assets | 0.8143% | 455 |
| Net interest margin | 3.4484% | 3,693 |
| Noninterest income to average assets | 0.7571% | 1,900 |
| Noninterest expense to average assets | 4.1060% | 528 |
| Loan and lease loss provision to assets | -0.6455% | 6,030 |
| Net operating income to assets | 0.5838% | 4,336 |
| Return on assets (ROA) | 0.6022% | 4,383 |
| Pretax return on assets | 0.6022% | 4,880 |
| Return on Equity (ROE) | 16.9361% | 444 |
| Retained earnings to average equity (ytd only) | 16.9361% | 98 |
| Net charge-offs to loans | -0.9558% | 5,990 |
| Credit loss provision to net charge-offs | 97.4843% | 2,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5239% | 221 |
| Assets per employee ($millions) | 4.9384% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 1,099 |
| Loan loss allowance to noncurrent loans | 38.8611% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 5.7159% | 112 |
| Noncurrent loans to loans | 4.5977% | 213 |
| Net loans and leases to total assets | 70.2638% | 2,439 |
| Net loans and leases to deposits | 84.1199% | 2,455 |
| Net loans and leases to core deposits | 89.2458% | 2,611 |
| Total domestic deposits to total assets | 83.5282% | 3,454 |
| Equity capital to assets | 3.8588% | 6,041 |
| Core capital (leverage) ratio | 3.8565% | 6,041 |
| Tier 1 risk-based capital ratio | 5.8785% | 6,040 |
| Total risk-based capital ratio | 7.7728% | 6,034 |
| Memoranda: | ||
| Average total assets | $240,135,330 | 2,598 |
| Average earning assets | $228,915,330 | 2,545 |
| Average equity | $8,538,000 | 4,912 |
| Average total loans | $166,354,330 | 2,456 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,362 |
| Cost of funding earning assets | 0.8231% | 436 |
| Net interest margin | 3.1377% | 4,757 |
| Noninterest income to average assets | 0.9500% | 1,185 |
| Noninterest expense to average assets | 3.7553% | 835 |
| Loan and lease loss provision to assets | 0.0828% | 2,301 |
| Net operating income to assets | 0.1026% | 5,679 |
| Return on assets (ROA) | 0.1225% | 5,701 |
| Pretax return on assets | 0.1225% | 5,717 |
| Return on Equity (ROE) | 3.5951% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.5951% | 3,697 |
| Net charge-offs to loans | -0.1894% | 5,834 |
| Credit loss provision to net charge-offs | -64.1026% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2961% | 415 |
| Assets per employee ($millions) | 5.3492% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 1,028 |
| Loan loss allowance to noncurrent loans | 38.3759% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 5.9984% | 117 |
| Noncurrent loans to loans | 4.8518% | 210 |
| Net loans and leases to total assets | 68.7108% | 2,541 |
| Net loans and leases to deposits | 81.8364% | 2,567 |
| Net loans and leases to core deposits | 86.6875% | 2,687 |
| Total domestic deposits to total assets | 83.9612% | 3,535 |
| Equity capital to assets | 3.4937% | 6,102 |
| Core capital (leverage) ratio | 3.5619% | 6,103 |
| Tier 1 risk-based capital ratio | 5.3585% | 6,100 |
| Total risk-based capital ratio | 7.2428% | 6,097 |
| Memoranda: | ||
| Average total assets | $241,682,500 | 2,609 |
| Average earning assets | $230,359,000 | 2,544 |
| Average equity | $8,233,500 | 5,013 |
| Average total loans | $164,739,500 | 2,469 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 3,869 |
| Cost of funding earning assets | 0.8675% | 339 |
| Net interest margin | 2.9869% | 5,172 |
| Noninterest income to average assets | 1.3041% | 713 |
| Noninterest expense to average assets | 4.3588% | 456 |
| Loan and lease loss provision to assets | -0.5626% | 6,134 |
| Net operating income to assets | 0.3286% | 5,275 |
| Return on assets (ROA) | 0.3286% | 5,362 |
| Pretax return on assets | 0.3286% | 5,461 |
| Return on Equity (ROE) | 10.1776% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.1776% | 443 |
| Net charge-offs to loans | -0.4263% | 6,069 |
| Credit loss provision to net charge-offs | 187.9121% | 1,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6730% | 186 |
| Assets per employee ($millions) | 5.7774% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 1,012 |
| Loan loss allowance to noncurrent loans | 35.9489% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 6.0944% | 131 |
| Noncurrent loans to loans | 5.2025% | 179 |
| Net loans and leases to total assets | 65.0870% | 3,106 |
| Net loans and leases to deposits | 76.8927% | 3,167 |
| Net loans and leases to core deposits | 81.4684% | 3,206 |
| Total domestic deposits to total assets | 84.6465% | 3,237 |
| Equity capital to assets | 3.3204% | 6,163 |
| Core capital (leverage) ratio | 3.4770% | 6,163 |
| Tier 1 risk-based capital ratio | 5.4704% | 6,161 |
| Total risk-based capital ratio | 7.3707% | 6,156 |
| Memoranda: | ||
| Average total assets | $243,162,200 | 2,551 |
| Average earning assets | $229,637,400 | 2,514 |
| Average equity | $7,850,600 | 5,088 |
| Average total loans | $170,773,800 | 2,347 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,180 |
| Cost of funding earning assets | 0.8701% | 344 |
| Net interest margin | 2.9017% | 5,410 |
| Noninterest income to average assets | 1.5991% | 496 |
| Noninterest expense to average assets | 4.4029% | 437 |
| Loan and lease loss provision to assets | -0.4258% | 6,189 |
| Net operating income to assets | 0.3562% | 5,299 |
| Return on assets (ROA) | 0.3562% | 5,387 |
| Pretax return on assets | 0.3562% | 5,545 |
| Return on Equity (ROE) | 11.1123% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.1123% | 461 |
| Net charge-offs to loans | -0.4041% | 6,127 |
| Credit loss provision to net charge-offs | 148.0000% | 1,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6062% | 266 |
| Assets per employee ($millions) | 5.6754% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 815 |
| Loan loss allowance to noncurrent loans | 24.9779% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 8.0744% | 80 |
| Noncurrent loans to loans | 8.3049% | 62 |
| Net loans and leases to total assets | 65.7291% | 3,054 |
| Net loans and leases to deposits | 77.4476% | 3,154 |
| Net loans and leases to core deposits | 81.9759% | 3,254 |
| Total domestic deposits to total assets | 84.8691% | 3,068 |
| Equity capital to assets | 3.3445% | 6,250 |
| Core capital (leverage) ratio | 3.4513% | 6,249 |
| Tier 1 risk-based capital ratio | 5.1257% | 6,250 |
| Total risk-based capital ratio | 7.0007% | 6,249 |
| Memoranda: | ||
| Average total assets | $243,290,500 | 2,570 |
| Average earning assets | $229,239,000 | 2,533 |
| Average equity | $7,799,000 | 5,161 |
| Average total loans | $173,231,500 | 2,329 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8381% | 3,927 |
| Cost of funding earning assets | 0.8714% | 332 |
| Net interest margin | 2.9667% | 5,299 |
| Noninterest income to average assets | 1.8573% | 413 |
| Noninterest expense to average assets | 4.5375% | 409 |
| Loan and lease loss provision to assets | -0.2872% | 6,220 |
| Net operating income to assets | 0.3917% | 5,160 |
| Return on assets (ROA) | 0.3917% | 5,268 |
| Pretax return on assets | 0.3917% | 5,481 |
| Return on Equity (ROE) | 12.3991% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.3991% | 360 |
| Net charge-offs to loans | -0.0533% | 5,568 |
| Credit loss provision to net charge-offs | 742.5532% | 463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7486% | 384 |
| Assets per employee ($millions) | 5.3126% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 1,051 |
| Loan loss allowance to noncurrent loans | 19.2857% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 10.5757% | 57 |
| Noncurrent loans to loans | 10.1565% | 54 |
| Net loans and leases to total assets | 70.0965% | 2,297 |
| Net loans and leases to deposits | 82.7447% | 2,471 |
| Net loans and leases to core deposits | 87.5821% | 2,594 |
| Total domestic deposits to total assets | 84.7143% | 3,248 |
| Equity capital to assets | 3.2757% | 6,326 |
| Core capital (leverage) ratio | 3.3538% | 6,327 |
| Tier 1 risk-based capital ratio | 4.7094% | 6,328 |
| Total risk-based capital ratio | 6.5473% | 6,325 |
| Memoranda: | ||
| Average total assets | $243,039,330 | 2,591 |
| Average earning assets | $228,132,670 | 2,557 |
| Average equity | $7,678,000 | 5,225 |
| Average total loans | $176,373,330 | 2,297 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,365 |
| Cost of funding earning assets | 0.8681% | 340 |
| Net interest margin | 3.0957% | 4,971 |
| Noninterest income to average assets | 2.3083% | 302 |
| Noninterest expense to average assets | 4.6624% | 383 |
| Loan and lease loss provision to assets | -0.1616% | 6,243 |
| Net operating income to assets | 0.7069% | 3,762 |
| Return on assets (ROA) | 0.7069% | 3,888 |
| Pretax return on assets | 0.7069% | 4,568 |
| Return on Equity (ROE) | 22.4149% | 173 |
| Retained earnings to average equity (ytd only) | 22.4149% | 67 |
| Net charge-offs to loans | -0.0692% | 5,689 |
| Credit loss provision to net charge-offs | 319.3548% | 778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5298% | 888 |
| Assets per employee ($millions) | 5.2618% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 1,015 |
| Loan loss allowance to noncurrent loans | 20.4161% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 10.5953% | 62 |
| Noncurrent loans to loans | 9.9714% | 61 |
| Net loans and leases to total assets | 71.2160% | 1,941 |
| Net loans and leases to deposits | 83.9451% | 2,084 |
| Net loans and leases to core deposits | 89.3624% | 2,190 |
| Total domestic deposits to total assets | 84.8365% | 3,484 |
| Equity capital to assets | 3.3069% | 6,401 |
| Core capital (leverage) ratio | 3.3061% | 6,400 |
| Tier 1 risk-based capital ratio | 4.5518% | 6,403 |
| Total risk-based capital ratio | 6.3722% | 6,399 |
| Memoranda: | ||
| Average total assets | $245,026,000 | 2,599 |
| Average earning assets | $229,477,000 | 2,563 |
| Average equity | $7,727,000 | 5,257 |
| Average total loans | $179,097,500 | 2,281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,920 |
| Cost of funding earning assets | 0.8536% | 495 |
| Net interest margin | 3.0969% | 5,212 |
| Noninterest income to average assets | 2.5634% | 232 |
| Noninterest expense to average assets | 5.6977% | 213 |
| Loan and lease loss provision to assets | 0.1730% | 1,498 |
| Net operating income to assets | -0.4103% | 6,275 |
| Return on assets (ROA) | -0.3927% | 6,270 |
| Pretax return on assets | -0.3927% | 6,252 |
| Return on Equity (ROE) | -13.6628% | 6,403 |
| Retained earnings to average equity (ytd only) | -13.6628% | 6,371 |
| Net charge-offs to loans | 0.8598% | 388 |
| Credit loss provision to net charge-offs | 28.3483% | 3,865 |
| Earnings coverage of net charge-offs (x) | -0.3886% | 4,754 |
| Efficiency ratio | 104.3440% | 286 |
| Assets per employee ($millions) | 4.9602% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 1,111 |
| Loan loss allowance to noncurrent loans | 20.0814% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 11.2636% | 68 |
| Noncurrent loans to loans | 9.9736% | 69 |
| Net loans and leases to total assets | 72.0093% | 1,912 |
| Net loans and leases to deposits | 84.7660% | 2,126 |
| Net loans and leases to core deposits | 90.3417% | 2,241 |
| Total domestic deposits to total assets | 84.9507% | 3,304 |
| Equity capital to assets | 3.0039% | 6,492 |
| Core capital (leverage) ratio | 3.1020% | 6,492 |
| Tier 1 risk-based capital ratio | 4.2592% | 6,493 |
| Total risk-based capital ratio | 6.0716% | 6,490 |
| Memoranda: | ||
| Average total assets | $272,759,600 | 2,341 |
| Average earning assets | $255,155,000 | 2,307 |
| Average equity | $7,838,800 | 5,237 |
| Average total loans | $193,647,200 | 2,083 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 4,135 |
| Cost of funding earning assets | 0.8523% | 535 |
| Net interest margin | 3.0577% | 5,366 |
| Noninterest income to average assets | 2.3775% | 259 |
| Noninterest expense to average assets | 5.6296% | 217 |
| Loan and lease loss provision to assets | 0.1066% | 2,261 |
| Net operating income to assets | -0.4966% | 6,370 |
| Return on assets (ROA) | -0.4737% | 6,358 |
| Pretax return on assets | -0.4737% | 6,348 |
| Return on Equity (ROE) | -16.6494% | 6,493 |
| Retained earnings to average equity (ytd only) | -16.6494% | 6,461 |
| Net charge-offs to loans | 0.7240% | 475 |
| Credit loss provision to net charge-offs | 20.8997% | 3,572 |
| Earnings coverage of net charge-offs (x) | -0.7648% | 4,520 |
| Efficiency ratio | 107.4439% | 251 |
| Assets per employee ($millions) | 4.0092% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 1,104 |
| Loan loss allowance to noncurrent loans | 18.8064% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 12.1864% | 60 |
| Noncurrent loans to loans | 11.1039% | 59 |
| Net loans and leases to total assets | 73.0742% | 1,670 |
| Net loans and leases to deposits | 84.7343% | 2,066 |
| Net loans and leases to core deposits | 90.3637% | 2,187 |
| Total domestic deposits to total assets | 86.2391% | 2,736 |
| Equity capital to assets | 2.9027% | 6,566 |
| Core capital (leverage) ratio | 3.0263% | 6,568 |
| Tier 1 risk-based capital ratio | 4.0547% | 6,571 |
| Total risk-based capital ratio | 5.8340% | 6,569 |
| Memoranda: | ||
| Average total assets | $278,946,750 | 2,304 |
| Average earning assets | $261,100,750 | 2,283 |
| Average equity | $7,936,000 | 5,255 |
| Average total loans | $196,498,750 | 2,079 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,773 |
| Cost of funding earning assets | 0.8503% | 553 |
| Net interest margin | 2.8779% | 5,772 |
| Noninterest income to average assets | 2.6795% | 223 |
| Noninterest expense to average assets | 5.5740% | 225 |
| Loan and lease loss provision to assets | 0.2067% | 1,154 |
| Net operating income to assets | -0.4043% | 6,412 |
| Return on assets (ROA) | -0.3966% | 6,415 |
| Pretax return on assets | -0.3966% | 6,395 |
| Return on Equity (ROE) | -14.0270% | 6,542 |
| Retained earnings to average equity (ytd only) | -14.0270% | 6,479 |
| Net charge-offs to loans | 1.3615% | 217 |
| Credit loss provision to net charge-offs | 21.9422% | 3,178 |
| Earnings coverage of net charge-offs (x) | -0.2098% | 4,150 |
| Efficiency ratio | 103.6758% | 324 |
| Assets per employee ($millions) | 3.4858% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 1,540 |
| Loan loss allowance to noncurrent loans | 16.6579% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 12.1847% | 64 |
| Noncurrent loans to loans | 11.5058% | 51 |
| Net loans and leases to total assets | 71.3352% | 1,857 |
| Net loans and leases to deposits | 85.2980% | 1,888 |
| Net loans and leases to core deposits | 91.0535% | 2,027 |
| Total domestic deposits to total assets | 83.6306% | 4,063 |
| Equity capital to assets | 2.9196% | 6,630 |
| Core capital (leverage) ratio | 3.0062% | 6,634 |
| Tier 1 risk-based capital ratio | 4.1138% | 6,639 |
| Total risk-based capital ratio | 5.8738% | 6,634 |
| Memoranda: | ||
| Average total assets | $286,399,000 | 2,248 |
| Average earning assets | $268,387,670 | 2,220 |
| Average equity | $8,098,670 | 5,251 |
| Average total loans | $198,165,000 | 2,064 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6201% | 5,105 |
| Cost of funding earning assets | 0.8876% | 484 |
| Net interest margin | 2.7325% | 6,059 |
| Noninterest income to average assets | 2.2830% | 267 |
| Noninterest expense to average assets | 4.9705% | 321 |
| Loan and lease loss provision to assets | -0.1594% | 6,538 |
| Net operating income to assets | 0.0381% | 6,151 |
| Return on assets (ROA) | 0.0531% | 6,140 |
| Pretax return on assets | 0.0531% | 6,151 |
| Return on Equity (ROE) | 1.9073% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.9073% | 4,829 |
| Net charge-offs to loans | 1.7603% | 164 |
| Credit loss provision to net charge-offs | -13.4021% | 4,682 |
| Earnings coverage of net charge-offs (x) | -0.1019% | 3,442 |
| Efficiency ratio | 102.5000% | 412 |
| Assets per employee ($millions) | 3.4991% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9460% | 1,632 |
| Loan loss allowance to noncurrent loans | 12.2844% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 14.2748% | 49 |
| Noncurrent loans to loans | 15.8412% | 37 |
| Net loans and leases to total assets | 67.6633% | 2,272 |
| Net loans and leases to deposits | 77.8924% | 2,572 |
| Net loans and leases to core deposits | 82.5694% | 2,682 |
| Total domestic deposits to total assets | 86.8676% | 2,895 |
| Equity capital to assets | 2.8666% | 6,696 |
| Core capital (leverage) ratio | 3.0535% | 6,702 |
| Tier 1 risk-based capital ratio | 4.3434% | 6,705 |
| Total risk-based capital ratio | 6.0946% | 6,699 |
| Memoranda: | ||
| Average total assets | $293,653,000 | 2,209 |
| Average earning assets | $275,794,000 | 2,180 |
| Average equity | $8,179,000 | 5,244 |
| Average total loans | $198,375,500 | 2,064 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 4,164 |
| Cost of funding earning assets | 0.8615% | 903 |
| Net interest margin | 3.1152% | 5,268 |
| Noninterest income to average assets | 1.7263% | 495 |
| Noninterest expense to average assets | 5.0896% | 328 |
| Loan and lease loss provision to assets | 0.3055% | 1,096 |
| Net operating income to assets | -0.7745% | 6,561 |
| Return on assets (ROA) | -0.7745% | 6,559 |
| Pretax return on assets | -0.7745% | 6,551 |
| Return on Equity (ROE) | -22.4637% | 6,699 |
| Retained earnings to average equity (ytd only) | -22.4637% | 6,688 |
| Net charge-offs to loans | 1.0095% | 574 |
| Credit loss provision to net charge-offs | 44.4600% | 3,951 |
| Earnings coverage of net charge-offs (x) | -0.6825% | 5,227 |
| Efficiency ratio | 110.1502% | 266 |
| Assets per employee ($millions) | 3.5760% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4367% | 895 |
| Loan loss allowance to noncurrent loans | 18.7082% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 12.4046% | 72 |
| Noncurrent loans to loans | 13.0246% | 56 |
| Net loans and leases to total assets | 64.5553% | 2,943 |
| Net loans and leases to deposits | 73.8400% | 3,285 |
| Net loans and leases to core deposits | 78.4789% | 3,302 |
| Total domestic deposits to total assets | 87.4260% | 2,511 |
| Equity capital to assets | 2.7076% | 6,770 |
| Core capital (leverage) ratio | 2.9022% | 6,776 |
| Tier 1 risk-based capital ratio | 4.1940% | 6,779 |
| Total risk-based capital ratio | 5.9301% | 6,776 |
| Memoranda: | ||
| Average total assets | $312,579,800 | 2,063 |
| Average earning assets | $290,417,400 | 2,042 |
| Average equity | $10,777,400 | 4,685 |
| Average total loans | $212,781,200 | 1,912 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 4,160 |
| Cost of funding earning assets | 0.8604% | 988 |
| Net interest margin | 3.1312% | 5,227 |
| Noninterest income to average assets | 1.8038% | 481 |
| Noninterest expense to average assets | 4.9259% | 356 |
| Loan and lease loss provision to assets | -0.0891% | 6,614 |
| Net operating income to assets | -0.1305% | 6,413 |
| Return on assets (ROA) | -0.1305% | 6,443 |
| Pretax return on assets | -0.1305% | 6,421 |
| Return on Equity (ROE) | -3.6018% | 6,553 |
| Retained earnings to average equity (ytd only) | -3.6018% | 6,407 |
| Net charge-offs to loans | 0.5961% | 1,049 |
| Credit loss provision to net charge-offs | -21.8201% | 5,643 |
| Earnings coverage of net charge-offs (x) | -0.5377% | 4,955 |
| Efficiency ratio | 104.6674% | 354 |
| Assets per employee ($millions) | 3.7629% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 1,121 |
| Loan loss allowance to noncurrent loans | 24.1812% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 11.0003% | 112 |
| Noncurrent loans to loans | 9.6792% | 148 |
| Net loans and leases to total assets | 64.1287% | 2,981 |
| Net loans and leases to deposits | 73.3881% | 3,336 |
| Net loans and leases to core deposits | 77.8618% | 3,380 |
| Total domestic deposits to total assets | 87.3831% | 2,469 |
| Equity capital to assets | 3.3684% | 6,833 |
| Core capital (leverage) ratio | 3.4207% | 6,846 |
| Tier 1 risk-based capital ratio | 5.1199% | 6,844 |
| Total risk-based capital ratio | 6.8488% | 6,838 |
| Memoranda: | ||
| Average total assets | $315,629,500 | 2,050 |
| Average earning assets | $292,573,250 | 2,029 |
| Average equity | $11,438,500 | 4,603 |
| Average total loans | $216,287,750 | 1,893 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,903 |
| Cost of funding earning assets | 0.8665% | 1,051 |
| Net interest margin | 3.1887% | 4,983 |
| Noninterest income to average assets | 1.8695% | 490 |
| Noninterest expense to average assets | 4.8967% | 387 |
| Loan and lease loss provision to assets | -0.2827% | 6,825 |
| Net operating income to assets | 0.2092% | 5,863 |
| Return on assets (ROA) | 0.2092% | 5,998 |
| Pretax return on assets | 0.2092% | 6,068 |
| Return on Equity (ROE) | 5.6399% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.6399% | 2,647 |
| Net charge-offs to loans | 0.9380% | 656 |
| Credit loss provision to net charge-offs | -43.3852% | 5,531 |
| Earnings coverage of net charge-offs (x) | -0.1128% | 4,585 |
| Efficiency ratio | 101.5247% | 443 |
| Assets per employee ($millions) | 4.0156% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 1,412 |
| Loan loss allowance to noncurrent loans | 27.1548% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 10.4380% | 139 |
| Noncurrent loans to loans | 8.1171% | 248 |
| Net loans and leases to total assets | 66.3238% | 2,533 |
| Net loans and leases to deposits | 76.4725% | 2,808 |
| Net loans and leases to core deposits | 81.7973% | 2,820 |
| Total domestic deposits to total assets | 86.7289% | 2,987 |
| Equity capital to assets | 3.7122% | 6,874 |
| Core capital (leverage) ratio | 3.7450% | 6,881 |
| Tier 1 risk-based capital ratio | 5.3062% | 6,886 |
| Total risk-based capital ratio | 7.0253% | 6,878 |
| Memoranda: | ||
| Average total assets | $315,478,330 | 2,052 |
| Average earning assets | $292,215,000 | 2,036 |
| Average equity | $11,702,330 | 4,591 |
| Average total loans | $219,197,670 | 1,863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,924 |
| Cost of funding earning assets | 0.8679% | 1,161 |
| Net interest margin | 3.1811% | 4,992 |
| Noninterest income to average assets | 2.4140% | 335 |
| Noninterest expense to average assets | 4.5424% | 514 |
| Loan and lease loss provision to assets | -0.0661% | 6,804 |
| Net operating income to assets | 0.8870% | 2,713 |
| Return on assets (ROA) | 0.8870% | 2,857 |
| Pretax return on assets | 0.8870% | 3,808 |
| Return on Equity (ROE) | 23.9213% | 143 |
| Retained earnings to average equity (ytd only) | 23.9213% | 72 |
| Net charge-offs to loans | 1.0599% | 572 |
| Credit loss provision to net charge-offs | -8.8777% | 4,961 |
| Earnings coverage of net charge-offs (x) | 1.1022% | 3,471 |
| Efficiency ratio | 84.6941% | 1,686 |
| Assets per employee ($millions) | 4.3542% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5423% | 1,068 |
| Loan loss allowance to noncurrent loans | 29.8741% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 10.6144% | 171 |
| Noncurrent loans to loans | 8.5100% | 296 |
| Net loans and leases to total assets | 65.8596% | 2,390 |
| Net loans and leases to deposits | 76.2535% | 2,597 |
| Net loans and leases to core deposits | 81.3467% | 2,647 |
| Total domestic deposits to total assets | 86.3694% | 3,319 |
| Equity capital to assets | 3.9043% | 6,941 |
| Core capital (leverage) ratio | 3.7726% | 6,944 |
| Tier 1 risk-based capital ratio | 5.3929% | 6,944 |
| Total risk-based capital ratio | 7.1083% | 6,936 |
| Memoranda: | ||
| Average total assets | $320,626,000 | 2,042 |
| Average earning assets | $297,256,500 | 2,024 |
| Average equity | $11,889,000 | 4,600 |
| Average total loans | $225,311,000 | 1,831 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 4,190 |
| Cost of funding earning assets | 1.1997% | 581 |
| Net interest margin | 3.0996% | 5,815 |
| Noninterest income to average assets | 2.1287% | 398 |
| Noninterest expense to average assets | 4.1775% | 791 |
| Loan and lease loss provision to assets | 2.8722% | 44 |
| Net operating income to assets | -2.0449% | 6,935 |
| Return on assets (ROA) | -2.0449% | 6,941 |
| Pretax return on assets | -2.0449% | 6,932 |
| Return on Equity (ROE) | -55.2806% | 7,028 |
| Retained earnings to average equity (ytd only) | -55.2806% | 7,024 |
| Net charge-offs to loans | 5.1918% | 30 |
| Credit loss provision to net charge-offs | 80.8633% | 3,802 |
| Earnings coverage of net charge-offs (x) | 0.2329% | 5,358 |
| Efficiency ratio | 83.4711% | 1,690 |
| Assets per employee ($millions) | 4.6162% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5280% | 1,101 |
| Loan loss allowance to noncurrent loans | 27.9121% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 11.5291% | 158 |
| Noncurrent loans to loans | 9.0570% | 287 |
| Net loans and leases to total assets | 71.0080% | 1,646 |
| Net loans and leases to deposits | 82.0911% | 1,984 |
| Net loans and leases to core deposits | 87.6018% | 2,134 |
| Total domestic deposits to total assets | 86.4989% | 3,097 |
| Equity capital to assets | 3.5203% | 7,020 |
| Core capital (leverage) ratio | 3.3904% | 7,018 |
| Tier 1 risk-based capital ratio | 4.5090% | 7,031 |
| Total risk-based capital ratio | 6.1741% | 7,022 |
| Memoranda: | ||
| Average total assets | $362,654,800 | 1,793 |
| Average earning assets | $336,497,200 | 1,762 |
| Average equity | $13,415,200 | 4,271 |
| Average total loans | $248,102,600 | 1,661 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 4,740 |
| Cost of funding earning assets | 1.2739% | 493 |
| Net interest margin | 2.9487% | 6,276 |
| Noninterest income to average assets | 2.0855% | 400 |
| Noninterest expense to average assets | 3.9574% | 991 |
| Loan and lease loss provision to assets | 3.6253% | 24 |
| Net operating income to assets | -2.7608% | 7,105 |
| Return on assets (ROA) | -2.7608% | 7,106 |
| Pretax return on assets | -2.7608% | 7,100 |
| Return on Equity (ROE) | -73.8455% | 7,150 |
| Retained earnings to average equity (ytd only) | -73.8455% | 7,147 |
| Net charge-offs to loans | 6.7230% | 17 |
| Credit loss provision to net charge-offs | 79.9652% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.1907% | 5,230 |
| Efficiency ratio | 82.0713% | 1,801 |
| Assets per employee ($millions) | 4.7322% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 1,284 |
| Loan loss allowance to noncurrent loans | 24.3000% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 12.7649% | 136 |
| Noncurrent loans to loans | 10.0480% | 245 |
| Net loans and leases to total assets | 71.0084% | 1,721 |
| Net loans and leases to deposits | 81.7005% | 2,163 |
| Net loans and leases to core deposits | 86.5670% | 2,394 |
| Total domestic deposits to total assets | 86.9130% | 2,726 |
| Equity capital to assets | 3.4630% | 7,118 |
| Core capital (leverage) ratio | 3.2308% | 7,121 |
| Tier 1 risk-based capital ratio | 4.2098% | 7,135 |
| Total risk-based capital ratio | 5.8565% | 7,128 |
| Memoranda: | ||
| Average total assets | $371,380,500 | 1,777 |
| Average earning assets | $344,641,500 | 1,751 |
| Average equity | $13,884,500 | 4,218 |
| Average total loans | $250,436,750 | 1,660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 4,929 |
| Cost of funding earning assets | 1.3492% | 429 |
| Net interest margin | 2.8567% | 6,486 |
| Noninterest income to average assets | 1.6222% | 563 |
| Noninterest expense to average assets | 3.7742% | 1,258 |
| Loan and lease loss provision to assets | 4.7633% | 16 |
| Net operating income to assets | -4.2575% | 7,198 |
| Return on assets (ROA) | -4.2575% | 7,200 |
| Pretax return on assets | -4.2575% | 7,198 |
| Return on Equity (ROE) | -111.4776% | 7,210 |
| Retained earnings to average equity (ytd only) | -111.4776% | 7,207 |
| Net charge-offs to loans | 9.2496% | 9 |
| Credit loss provision to net charge-offs | 78.1804% | 3,369 |
| Earnings coverage of net charge-offs (x) | 0.0830% | 5,039 |
| Efficiency ratio | 88.1829% | 1,220 |
| Assets per employee ($millions) | 5.2217% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3868% | 1,438 |
| Loan loss allowance to noncurrent loans | 21.2446% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 13.3990% | 135 |
| Noncurrent loans to loans | 11.2350% | 202 |
| Net loans and leases to total assets | 67.5828% | 2,349 |
| Net loans and leases to deposits | 77.2943% | 2,785 |
| Net loans and leases to core deposits | 80.4030% | 3,159 |
| Total domestic deposits to total assets | 87.4356% | 2,508 |
| Equity capital to assets | 3.0752% | 7,179 |
| Core capital (leverage) ratio | 2.8831% | 7,181 |
| Tier 1 risk-based capital ratio | 3.9277% | 7,191 |
| Total risk-based capital ratio | 5.5640% | 7,180 |
| Memoranda: | ||
| Average total assets | $383,179,670 | 1,724 |
| Average earning assets | $356,498,330 | 1,694 |
| Average equity | $14,634,330 | 4,067 |
| Average total loans | $252,400,000 | 1,648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 5,155 |
| Cost of funding earning assets | 1.4982% | 291 |
| Net interest margin | 2.6885% | 6,785 |
| Noninterest income to average assets | 1.1393% | 1,087 |
| Noninterest expense to average assets | 3.5720% | 1,623 |
| Loan and lease loss provision to assets | 5.7777% | 15 |
| Net operating income to assets | -5.6966% | 7,279 |
| Return on assets (ROA) | -5.6966% | 7,280 |
| Pretax return on assets | -5.6966% | 7,280 |
| Return on Equity (ROE) | -136.9771% | 7,280 |
| Retained earnings to average equity (ytd only) | -136.9771% | 7,276 |
| Net charge-offs to loans | 13.7139% | 9 |
| Credit loss provision to net charge-offs | 65.4871% | 3,006 |
| Earnings coverage of net charge-offs (x) | 0.0092% | 4,364 |
| Efficiency ratio | 97.7802% | 646 |
| Assets per employee ($millions) | 5.9514% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 1,805 |
| Loan loss allowance to noncurrent loans | 69.5823% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 7.1818% | 577 |
| Noncurrent loans to loans | 3.2140% | 2,000 |
| Net loans and leases to total assets | 63.0903% | 3,024 |
| Net loans and leases to deposits | 72.7986% | 3,301 |
| Net loans and leases to core deposits | 77.0360% | 3,466 |
| Total domestic deposits to total assets | 86.6642% | 3,137 |
| Equity capital to assets | 3.5446% | 7,209 |
| Core capital (leverage) ratio | 3.3934% | 7,214 |
| Tier 1 risk-based capital ratio | 4.9820% | 7,216 |
| Total risk-based capital ratio | 6.6238% | 7,199 |
| Memoranda: | ||
| Average total assets | $394,621,500 | 1,685 |
| Average earning assets | $368,973,500 | 1,640 |
| Average equity | $16,411,500 | 3,746 |
| Average total loans | $253,874,000 | 1,638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 6,395 |
| Cost of funding earning assets | 1.5800% | 517 |
| Net interest margin | 2.4539% | 7,082 |
| Noninterest income to average assets | 1.2195% | 887 |
| Noninterest expense to average assets | 2.8649% | 4,110 |
| Loan and lease loss provision to assets | 1.1374% | 791 |
| Net operating income to assets | -0.4563% | 6,455 |
| Return on assets (ROA) | -0.4563% | 6,511 |
| Pretax return on assets | -0.4563% | 6,460 |
| Return on Equity (ROE) | -8.9478% | 6,711 |
| Retained earnings to average equity (ytd only) | -8.9478% | 6,668 |
| Net charge-offs to loans | 2.0754% | 650 |
| Credit loss provision to net charge-offs | 86.9088% | 4,154 |
| Earnings coverage of net charge-offs (x) | 0.5204% | 5,438 |
| Efficiency ratio | 80.7918% | 2,187 |
| Assets per employee ($millions) | 7.0405% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 3,279 |
| Loan loss allowance to noncurrent loans | 31.9585% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 6.9768% | 656 |
| Noncurrent loans to loans | 5.2572% | 1,034 |
| Net loans and leases to total assets | 63.0693% | 3,388 |
| Net loans and leases to deposits | 74.1283% | 3,482 |
| Net loans and leases to core deposits | 79.1403% | 3,559 |
| Total domestic deposits to total assets | 85.0812% | 3,801 |
| Equity capital to assets | 4.7317% | 7,181 |
| Core capital (leverage) ratio | 4.9452% | 7,152 |
| Tier 1 risk-based capital ratio | 7.5552% | 7,130 |
| Total risk-based capital ratio | 9.1836% | 7,112 |
| Memoranda: | ||
| Average total assets | $452,334,800 | 1,451 |
| Average earning assets | $428,862,800 | 1,411 |
| Average equity | $23,067,000 | 2,776 |
| Average total loans | $285,247,000 | 1,496 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 6,524 |
| Cost of funding earning assets | 1.5945% | 595 |
| Net interest margin | 2.4472% | 7,159 |
| Noninterest income to average assets | 1.2529% | 822 |
| Noninterest expense to average assets | 2.2846% | 6,078 |
| Loan and lease loss provision to assets | 1.0765% | 768 |
| Net operating income to assets | 0.2150% | 5,657 |
| Return on assets (ROA) | 0.2150% | 5,792 |
| Pretax return on assets | 0.2150% | 5,868 |
| Return on Equity (ROE) | 4.1494% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.1494% | 3,776 |
| Net charge-offs to loans | 2.0640% | 604 |
| Credit loss provision to net charge-offs | 83.0226% | 4,035 |
| Earnings coverage of net charge-offs (x) | 0.9960% | 4,881 |
| Efficiency ratio | 63.8851% | 5,093 |
| Assets per employee ($millions) | 7.9132% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 3,384 |
| Loan loss allowance to noncurrent loans | 54.3438% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 5.4674% | 1,024 |
| Noncurrent loans to loans | 3.0711% | 2,256 |
| Net loans and leases to total assets | 60.8055% | 3,982 |
| Net loans and leases to deposits | 70.7534% | 4,178 |
| Net loans and leases to core deposits | 82.0183% | 3,326 |
| Total domestic deposits to total assets | 85.9400% | 3,253 |
| Equity capital to assets | 5.3104% | 7,241 |
| Core capital (leverage) ratio | 5.3894% | 7,198 |
| Tier 1 risk-based capital ratio | 8.3497% | 7,167 |
| Total risk-based capital ratio | 9.9661% | 7,145 |
| Memoranda: | ||
| Average total assets | $463,330,750 | 1,430 |
| Average earning assets | $439,846,500 | 1,387 |
| Average equity | $24,003,250 | 2,672 |
| Average total loans | $291,072,500 | 1,478 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 6,522 |
| Cost of funding earning assets | 1.5922% | 717 |
| Net interest margin | 2.4948% | 7,190 |
| Noninterest income to average assets | 1.6700% | 480 |
| Noninterest expense to average assets | 2.1669% | 6,465 |
| Loan and lease loss provision to assets | 0.1788% | 4,129 |
| Net operating income to assets | 1.6956% | 607 |
| Return on assets (ROA) | 1.6956% | 655 |
| Pretax return on assets | 1.6956% | 1,064 |
| Return on Equity (ROE) | 32.9783% | 54 |
| Retained earnings to average equity (ytd only) | 32.9783% | 33 |
| Net charge-offs to loans | 0.7966% | 1,909 |
| Credit loss provision to net charge-offs | 35.5649% | 4,898 |
| Earnings coverage of net charge-offs (x) | 3.7280% | 3,067 |
| Efficiency ratio | 53.6179% | 6,655 |
| Assets per employee ($millions) | 9.1179% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,762 |
| Loan loss allowance to noncurrent loans | 48.6099% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 4.9972% | 1,231 |
| Noncurrent loans to loans | 3.2585% | 2,191 |
| Net loans and leases to total assets | 57.7388% | 4,679 |
| Net loans and leases to deposits | 66.8930% | 4,872 |
| Net loans and leases to core deposits | 83.5703% | 3,277 |
| Total domestic deposits to total assets | 86.3151% | 3,148 |
| Equity capital to assets | 5.6075% | 7,287 |
| Core capital (leverage) ratio | 5.5561% | 7,251 |
| Tier 1 risk-based capital ratio | 8.9002% | 7,186 |
| Total risk-based capital ratio | 10.4883% | 7,144 |
| Memoranda: | ||
| Average total assets | $475,337,000 | 1,411 |
| Average earning assets | $451,827,670 | 1,356 |
| Average equity | $24,440,330 | 2,615 |
| Average total loans | $300,017,000 | 1,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 6,602 |
| Cost of funding earning assets | 1.6040% | 803 |
| Net interest margin | 2.4466% | 7,231 |
| Noninterest income to average assets | 1.3657% | 689 |
| Noninterest expense to average assets | 2.0019% | 6,827 |
| Loan and lease loss provision to assets | 0.3572% | 2,413 |
| Net operating income to assets | 1.3321% | 1,202 |
| Return on assets (ROA) | 1.3321% | 1,247 |
| Pretax return on assets | 1.3321% | 1,934 |
| Return on Equity (ROE) | 27.1323% | 116 |
| Retained earnings to average equity (ytd only) | 27.1323% | 77 |
| Net charge-offs to loans | 0.8027% | 1,621 |
| Credit loss provision to net charge-offs | 68.1090% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.2212% | 2,813 |
| Efficiency ratio | 54.2350% | 6,672 |
| Assets per employee ($millions) | 10.3758% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 3,700 |
| Loan loss allowance to noncurrent loans | 61.2780% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 4.7357% | 1,345 |
| Noncurrent loans to loans | 2.6205% | 2,880 |
| Net loans and leases to total assets | 63.8966% | 3,451 |
| Net loans and leases to deposits | 73.5367% | 3,840 |
| Net loans and leases to core deposits | 91.1318% | 2,224 |
| Total domestic deposits to total assets | 86.8909% | 3,002 |
| Equity capital to assets | 5.0492% | 7,376 |
| Core capital (leverage) ratio | 5.0060% | 7,363 |
| Tier 1 risk-based capital ratio | 7.7230% | 7,312 |
| Total risk-based capital ratio | 9.2962% | 7,291 |
| Memoranda: | ||
| Average total assets | $475,940,500 | 1,421 |
| Average earning assets | $452,374,000 | 1,370 |
| Average equity | $23,367,000 | 2,704 |
| Average total loans | $310,944,000 | 1,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 7,202 |
| Cost of funding earning assets | 2.0579% | 495 |
| Net interest margin | 1.8372% | 7,496 |
| Noninterest income to average assets | 0.0233% | 7,208 |
| Noninterest expense to average assets | 2.3321% | 6,267 |
| Loan and lease loss provision to assets | 2.0275% | 643 |
| Net operating income to assets | -2.5867% | 7,203 |
| Return on assets (ROA) | -2.4038% | 7,172 |
| Pretax return on assets | -2.4038% | 7,136 |
| Return on Equity (ROE) | -43.7824% | 7,384 |
| Retained earnings to average equity (ytd only) | -43.7824% | 7,378 |
| Net charge-offs to loans | 3.1169% | 516 |
| Credit loss provision to net charge-offs | 102.0907% | 4,436 |
| Earnings coverage of net charge-offs (x) | -0.2816% | 6,348 |
| Efficiency ratio | 131.5400% | 307 |
| Assets per employee ($millions) | 10.3173% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,358 |
| Loan loss allowance to noncurrent loans | 65.2711% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 4.7518% | 1,377 |
| Noncurrent loans to loans | 2.5421% | 2,983 |
| Net loans and leases to total assets | 64.6373% | 3,740 |
| Net loans and leases to deposits | 74.7109% | 4,078 |
| Net loans and leases to core deposits | 92.9197% | 2,396 |
| Total domestic deposits to total assets | 86.5165% | 3,067 |
| Equity capital to assets | 4.7693% | 7,451 |
| Core capital (leverage) ratio | 4.7010% | 7,440 |
| Tier 1 risk-based capital ratio | 7.2647% | 7,403 |
| Total risk-based capital ratio | 8.8405% | 7,384 |
| Memoranda: | ||
| Average total assets | $510,577,200 | 1,310 |
| Average earning assets | $486,222,800 | 1,270 |
| Average equity | $28,031,800 | 2,310 |
| Average total loans | $325,318,200 | 1,374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 7,368 |
| Cost of funding earning assets | 2.1162% | 511 |
| Net interest margin | 1.7477% | 7,634 |
| Noninterest income to average assets | 0.0398% | 7,322 |
| Noninterest expense to average assets | 1.9020% | 7,205 |
| Loan and lease loss provision to assets | 1.3046% | 1,064 |
| Net operating income to assets | -1.5020% | 7,108 |
| Return on assets (ROA) | -1.2623% | 7,040 |
| Pretax return on assets | -1.2623% | 6,964 |
| Return on Equity (ROE) | -22.3222% | 7,266 |
| Retained earnings to average equity (ytd only) | -22.3222% | 7,252 |
| Net charge-offs to loans | 2.0057% | 940 |
| Credit loss provision to net charge-offs | 102.8317% | 4,177 |
| Earnings coverage of net charge-offs (x) | -0.1555% | 6,149 |
| Efficiency ratio | 111.5761% | 497 |
| Assets per employee ($millions) | 11.5250% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 3,335 |
| Loan loss allowance to noncurrent loans | 46.6880% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 4.9089% | 1,324 |
| Noncurrent loans to loans | 3.5335% | 2,226 |
| Net loans and leases to total assets | 61.3870% | 4,654 |
| Net loans and leases to deposits | 71.0305% | 4,989 |
| Net loans and leases to core deposits | 87.5541% | 3,436 |
| Total domestic deposits to total assets | 86.4234% | 2,838 |
| Equity capital to assets | 6.0996% | 7,472 |
| Core capital (leverage) ratio | 5.9791% | 7,439 |
| Tier 1 risk-based capital ratio | 9.3117% | 7,296 |
| Total risk-based capital ratio | 10.8762% | 7,208 |
| Memoranda: | ||
| Average total assets | $519,572,500 | 1,297 |
| Average earning assets | $494,964,750 | 1,254 |
| Average equity | $29,381,000 | 2,245 |
| Average total loans | $328,662,250 | 1,376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 7,468 |
| Cost of funding earning assets | 2.2028% | 461 |
| Net interest margin | 1.6406% | 7,724 |
| Noninterest income to average assets | -0.0061% | 7,546 |
| Noninterest expense to average assets | 1.8966% | 7,269 |
| Loan and lease loss provision to assets | 1.0308% | 1,415 |
| Net operating income to assets | -1.3712% | 7,113 |
| Return on assets (ROA) | -1.1813% | 7,039 |
| Pretax return on assets | -1.1813% | 6,966 |
| Return on Equity (ROE) | -21.4168% | 7,304 |
| Retained earnings to average equity (ytd only) | -21.4168% | 7,288 |
| Net charge-offs to loans | 1.5392% | 1,242 |
| Credit loss provision to net charge-offs | 105.4285% | 3,861 |
| Earnings coverage of net charge-offs (x) | -0.3482% | 5,949 |
| Efficiency ratio | 121.8758% | 388 |
| Assets per employee ($millions) | 11.0596% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,578 |
| Loan loss allowance to noncurrent loans | 36.0707% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 5.7392% | 1,054 |
| Noncurrent loans to loans | 4.3560% | 1,700 |
| Net loans and leases to total assets | 64.2446% | 4,210 |
| Net loans and leases to deposits | 74.4562% | 4,603 |
| Net loans and leases to core deposits | 96.4062% | 2,401 |
| Total domestic deposits to total assets | 86.2850% | 2,933 |
| Equity capital to assets | 6.3995% | 7,482 |
| Core capital (leverage) ratio | 6.3040% | 7,428 |
| Tier 1 risk-based capital ratio | 9.3961% | 7,305 |
| Total risk-based capital ratio | 10.9458% | 7,175 |
| Memoranda: | ||
| Average total assets | $527,572,000 | 1,291 |
| Average earning assets | $502,365,330 | 1,245 |
| Average equity | $29,098,670 | 2,256 |
| Average total loans | $335,109,330 | 1,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 7,625 |
| Cost of funding earning assets | 2.3262% | 396 |
| Net interest margin | 1.4038% | 7,845 |
| Noninterest income to average assets | 0.0155% | 7,607 |
| Noninterest expense to average assets | 1.9804% | 7,193 |
| Loan and lease loss provision to assets | 0.4453% | 2,739 |
| Net operating income to assets | -1.0728% | 7,150 |
| Return on assets (ROA) | -1.0728% | 7,167 |
| Pretax return on assets | -1.0728% | 7,086 |
| Return on Equity (ROE) | -20.9930% | 7,457 |
| Retained earnings to average equity (ytd only) | -20.9930% | 7,399 |
| Net charge-offs to loans | 0.5572% | 2,410 |
| Credit loss provision to net charge-offs | 127.4262% | 2,766 |
| Earnings coverage of net charge-offs (x) | -1.7954% | 5,455 |
| Efficiency ratio | 146.3760% | 225 |
| Assets per employee ($millions) | 11.9016% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,781 |
| Loan loss allowance to noncurrent loans | 39.2255% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 5.4536% | 1,134 |
| Noncurrent loans to loans | 3.8884% | 2,033 |
| Net loans and leases to total assets | 61.4198% | 4,867 |
| Net loans and leases to deposits | 69.9349% | 5,350 |
| Net loans and leases to core deposits | 92.4601% | 3,052 |
| Total domestic deposits to total assets | 87.8243% | 2,159 |
| Equity capital to assets | 5.1308% | 7,711 |
| Core capital (leverage) ratio | 5.0700% | 7,695 |
| Tier 1 risk-based capital ratio | 7.8464% | 7,631 |
| Total risk-based capital ratio | 9.3858% | 7,604 |
| Memoranda: | ||
| Average total assets | $542,517,500 | 1,289 |
| Average earning assets | $516,901,000 | 1,225 |
| Average equity | $27,723,500 | 2,391 |
| Average total loans | $340,245,500 | 1,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 7,461 |
| Cost of funding earning assets | 2.3684% | 1,394 |
| Net interest margin | 2.0536% | 7,721 |
| Noninterest income to average assets | -0.1176% | 7,814 |
| Noninterest expense to average assets | 2.2054% | 6,983 |
| Loan and lease loss provision to assets | 1.3626% | 1,691 |
| Net operating income to assets | -1.7488% | 6,989 |
| Return on assets (ROA) | -1.6660% | 6,947 |
| Pretax return on assets | -1.6660% | 6,795 |
| Return on Equity (ROE) | -23.7861% | 7,255 |
| Retained earnings to average equity (ytd only) | -23.7861% | 7,230 |
| Net charge-offs to loans | 2.0099% | 1,221 |
| Credit loss provision to net charge-offs | 87.8841% | 6,070 |
| Earnings coverage of net charge-offs (x) | -0.2491% | 6,501 |
| Efficiency ratio | 121.2267% | 588 |
| Assets per employee ($millions) | 11.9448% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 4,060 |
| Loan loss allowance to noncurrent loans | 38.5901% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 4.7719% | 1,321 |
| Noncurrent loans to loans | 3.7137% | 2,028 |
| Net loans and leases to total assets | 62.1486% | 4,959 |
| Net loans and leases to deposits | 70.4407% | 5,547 |
| Net loans and leases to core deposits | 92.8453% | 4,800 |
| Total domestic deposits to total assets | 88.2283% | 1,872 |
| Equity capital to assets | 5.0901% | 7,784 |
| Core capital (leverage) ratio | 5.1945% | 7,746 |
| Tier 1 risk-based capital ratio | 7.9116% | 7,667 |
| Total risk-based capital ratio | 9.4384% | 7,637 |
| Memoranda: | ||
| Average total assets | $478,558,600 | 1,446 |
| Average earning assets | $451,364,400 | 1,400 |
| Average equity | $33,519,600 | 2,002 |
| Average total loans | $369,164,600 | 1,299 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 7,338 |
| Cost of funding earning assets | 2.3947% | 1,654 |
| Net interest margin | 2.2663% | 7,679 |
| Noninterest income to average assets | -0.1956% | 7,976 |
| Noninterest expense to average assets | 2.2006% | 6,973 |
| Loan and lease loss provision to assets | 1.6202% | 1,162 |
| Net operating income to assets | -1.8876% | 7,269 |
| Return on assets (ROA) | -1.7730% | 7,228 |
| Pretax return on assets | -1.7730% | 7,078 |
| Return on Equity (ROE) | -23.4060% | 7,473 |
| Retained earnings to average equity (ytd only) | -23.4060% | 7,446 |
| Net charge-offs to loans | 2.1914% | 882 |
| Credit loss provision to net charge-offs | 90.8943% | 5,457 |
| Earnings coverage of net charge-offs (x) | -0.1500% | 6,235 |
| Efficiency ratio | 113.8282% | 696 |
| Assets per employee ($millions) | 10.1387% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,498 |
| Loan loss allowance to noncurrent loans | 77.8119% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 4.3372% | 1,422 |
| Noncurrent loans to loans | 1.9145% | 3,755 |
| Net loans and leases to total assets | 75.5312% | 2,094 |
| Net loans and leases to deposits | 88.4525% | 2,877 |
| Net loans and leases to core deposits | 111.5356% | 3,067 |
| Total domestic deposits to total assets | 85.3918% | 3,030 |
| Equity capital to assets | 6.5592% | 7,751 |
| Core capital (leverage) ratio | 6.5129% | 7,669 |
| Tier 1 risk-based capital ratio | 8.1527% | 7,773 |
| Total risk-based capital ratio | 9.6713% | 7,764 |
| Memoranda: | ||
| Average total assets | $460,832,750 | 1,514 |
| Average earning assets | $432,883,000 | 1,474 |
| Average equity | $34,907,500 | 1,942 |
| Average total loans | $374,843,750 | 1,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 7,346 |
| Cost of funding earning assets | 2.3962% | 1,983 |
| Net interest margin | 2.3360% | 7,642 |
| Noninterest income to average assets | -0.0619% | 8,017 |
| Noninterest expense to average assets | 2.1103% | 7,254 |
| Loan and lease loss provision to assets | 0.7909% | 2,113 |
| Net operating income to assets | -0.7809% | 6,819 |
| Return on assets (ROA) | -0.6083% | 6,673 |
| Pretax return on assets | -0.6083% | 6,532 |
| Return on Equity (ROE) | -7.6817% | 6,869 |
| Retained earnings to average equity (ytd only) | -7.6817% | 6,633 |
| Net charge-offs to loans | 1.5597% | 1,213 |
| Credit loss provision to net charge-offs | 61.1523% | 5,574 |
| Earnings coverage of net charge-offs (x) | 0.0077% | 5,681 |
| Efficiency ratio | 99.5273% | 1,199 |
| Assets per employee ($millions) | 10.6609% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,354 |
| Loan loss allowance to noncurrent loans | 54.3264% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 5.5251% | 912 |
| Noncurrent loans to loans | 2.3673% | 3,057 |
| Net loans and leases to total assets | 75.7411% | 2,250 |
| Net loans and leases to deposits | 88.4503% | 3,098 |
| Net loans and leases to core deposits | 110.6159% | 3,317 |
| Total domestic deposits to total assets | 85.6312% | 2,949 |
| Equity capital to assets | 7.2577% | 7,445 |
| Core capital (leverage) ratio | 7.3008% | 7,243 |
| Tier 1 risk-based capital ratio | 9.0859% | 7,647 |
| Total risk-based capital ratio | 10.5727% | 7,509 |
| Memoranda: | ||
| Average total assets | $458,983,330 | 1,545 |
| Average earning assets | $428,768,330 | 1,504 |
| Average equity | $36,346,330 | 1,877 |
| Average total loans | $380,595,000 | 1,304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 7,208 |
| Cost of funding earning assets | 2.5649% | 1,678 |
| Net interest margin | 2.3199% | 7,694 |
| Noninterest income to average assets | 0.1239% | 7,407 |
| Noninterest expense to average assets | 1.9019% | 7,540 |
| Loan and lease loss provision to assets | 0.1837% | 4,605 |
| Net operating income to assets | 0.2078% | 5,638 |
| Return on assets (ROA) | 0.5609% | 4,365 |
| Pretax return on assets | 0.5609% | 4,878 |
| Return on Equity (ROE) | 6.7798% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.7798% | 2,298 |
| Net charge-offs to loans | 1.0816% | 1,259 |
| Credit loss provision to net charge-offs | 19.6941% | 5,076 |
| Earnings coverage of net charge-offs (x) | 0.4197% | 4,653 |
| Efficiency ratio | 82.9316% | 2,421 |
| Assets per employee ($millions) | 9.2974% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 3,959 |
| Loan loss allowance to noncurrent loans | 61.1461% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 5.5627% | 760 |
| Noncurrent loans to loans | 2.1594% | 3,039 |
| Net loans and leases to total assets | 84.5183% | 619 |
| Net loans and leases to deposits | 100.5157% | 1,340 |
| Net loans and leases to core deposits | 116.8538% | 2,695 |
| Total domestic deposits to total assets | 84.0847% | 3,668 |
| Equity capital to assets | 8.3265% | 6,352 |
| Core capital (leverage) ratio | 8.3561% | 5,800 |
| Tier 1 risk-based capital ratio | 9.2743% | 7,610 |
| Total risk-based capital ratio | 10.7730% | 7,355 |
| Memoranda: | ||
| Average total assets | $448,604,500 | 1,582 |
| Average earning assets | $419,509,000 | 1,552 |
| Average equity | $37,110,500 | 1,843 |
| Average total loans | $386,845,000 | 1,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9081% | 6,001 |
| Cost of funding earning assets | 3.2196% | 1,130 |
| Net interest margin | 2.6885% | 7,515 |
| Noninterest income to average assets | 0.2043% | 6,982 |
| Noninterest expense to average assets | 2.1638% | 7,082 |
| Loan and lease loss provision to assets | 1.6050% | 819 |
| Net operating income to assets | -0.9910% | 7,246 |
| Return on assets (ROA) | -0.9371% | 7,135 |
| Pretax return on assets | -0.9371% | 6,963 |
| Return on Equity (ROE) | -10.6410% | 7,320 |
| Retained earnings to average equity (ytd only) | -10.6410% | 7,127 |
| Net charge-offs to loans | 1.2818% | 932 |
| Credit loss provision to net charge-offs | 140.6544% | 3,775 |
| Earnings coverage of net charge-offs (x) | 0.5381% | 5,909 |
| Efficiency ratio | 77.8969% | 2,933 |
| Assets per employee ($millions) | 10.2485% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 2,662 |
| Loan loss allowance to noncurrent loans | 64.6820% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 5.2589% | 638 |
| Noncurrent loans to loans | 2.3254% | 2,379 |
| Net loans and leases to total assets | 85.5050% | 663 |
| Net loans and leases to deposits | 100.9689% | 1,712 |
| Net loans and leases to core deposits | 115.5144% | 3,175 |
| Total domestic deposits to total assets | 84.6845% | 2,984 |
| Equity capital to assets | 8.2189% | 6,526 |
| Core capital (leverage) ratio | 8.1344% | 6,276 |
| Tier 1 risk-based capital ratio | 8.9684% | 7,804 |
| Total risk-based capital ratio | 10.4632% | 7,549 |
| Memoranda: | ||
| Average total assets | $409,785,800 | 1,657 |
| Average earning assets | $392,257,800 | 1,584 |
| Average equity | $36,087,000 | 1,869 |
| Average total loans | $364,791,000 | 1,328 |