Home > Dallas Capital Bank > Performance and Condition Ratios
Dallas Capital Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4033% | 2,296 |
| Cost of funding earning assets | 2.5938% | 724 |
| Net interest margin | 2.8096% | 3,684 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 2.0568% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6626% | 3,192 |
| Return on assets (ROA) | 0.6626% | 3,211 |
| Pretax return on assets | 0.8441% | 3,095 |
| Return on Equity (ROE) | 5.9100% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.9134% | 2,299 |
| Net charge-offs to loans | -0.0651% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.8666% | 1,722 |
| Assets per employee ($millions) | 15.9239% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 3,783 |
| Loan loss allowance to noncurrent loans | 35,142.8571% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,784 |
| Noncurrent loans to loans | 0.0024% | 3,756 |
| Net loans and leases to total assets | 74.7400% | 1,244 |
| Net loans and leases to deposits | 89.2922% | 1,160 |
| Net loans and leases to core deposits | 119.7584% | 558 |
| Total domestic deposits to total assets | 83.7000% | 2,969 |
| Equity capital to assets | 10.9410% | 1,694 |
| Core capital (leverage) ratio | 10.6944% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,139,232,000 | 920 |
| Average earning assets | $1,078,746,500 | 893 |
| Average equity | $127,641,500 | 859 |
| Average total loans | $860,822,500 | 854 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8071% | 1,572 |
| Cost of funding earning assets | 3.1919% | 339 |
| Net interest margin | 2.6152% | 3,757 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.0680% | 3,448 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.4988% | 3,470 |
| Return on assets (ROA) | 0.4988% | 3,487 |
| Pretax return on assets | 0.6358% | 3,398 |
| Return on Equity (ROE) | 4.2800% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.2837% | 2,516 |
| Net charge-offs to loans | -0.0241% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 76.1258% | 1,354 |
| Assets per employee ($millions) | 14.1038% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8685% | 3,714 |
| Loan loss allowance to noncurrent loans | 34,476.1905% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,785 |
| Noncurrent loans to loans | 0.0025% | 3,760 |
| Net loans and leases to total assets | 75.1200% | 1,258 |
| Net loans and leases to deposits | 88.9767% | 1,299 |
| Net loans and leases to core deposits | 113.5131% | 806 |
| Total domestic deposits to total assets | 84.4200% | 2,681 |
| Equity capital to assets | 12.3292% | 1,067 |
| Core capital (leverage) ratio | 11.0213% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,133,864,000 | 917 |
| Average earning assets | $1,070,892,400 | 891 |
| Average equity | $132,035,800 | 817 |
| Average total loans | $858,752,000 | 852 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7687% | 1,606 |
| Cost of funding earning assets | 3.2385% | 327 |
| Net interest margin | 2.5303% | 3,841 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.9782% | 3,608 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.5048% | 3,449 |
| Return on assets (ROA) | 0.5048% | 3,478 |
| Pretax return on assets | 0.6451% | 3,386 |
| Return on Equity (ROE) | 4.4000% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.3973% | 2,696 |
| Net charge-offs to loans | -0.0035% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.9546% | 1,487 |
| Assets per employee ($millions) | 15.4648% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 3,963 |
| Loan loss allowance to noncurrent loans | 33,600.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,824 |
| Noncurrent loans to loans | 0.0023% | 3,791 |
| Net loans and leases to total assets | 76.1100% | 1,116 |
| Net loans and leases to deposits | 92.0643% | 1,034 |
| Net loans and leases to core deposits | 125.8427% | 463 |
| Total domestic deposits to total assets | 82.6700% | 2,941 |
| Equity capital to assets | 11.2960% | 1,571 |
| Core capital (leverage) ratio | 10.5834% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,142,306,750 | 896 |
| Average earning assets | $1,078,058,750 | 881 |
| Average equity | $131,136,500 | 813 |
| Average total loans | $865,042,750 | 844 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6538% | 1,687 |
| Cost of funding earning assets | 3.1426% | 360 |
| Net interest margin | 2.5112% | 3,865 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 2.0145% | 3,525 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.4571% | 3,544 |
| Return on assets (ROA) | 0.4571% | 3,581 |
| Pretax return on assets | 0.5887% | 3,472 |
| Return on Equity (ROE) | 3.9600% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.9597% | 2,722 |
| Net charge-offs to loans | -0.0054% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 76.7245% | 1,396 |
| Assets per employee ($millions) | 15.0643% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 3,983 |
| Loan loss allowance to noncurrent loans | 21,796.8750% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,801 |
| Noncurrent loans to loans | 0.0036% | 3,773 |
| Net loans and leases to total assets | 76.7200% | 1,087 |
| Net loans and leases to deposits | 98.4591% | 628 |
| Net loans and leases to core deposits | 133.7674% | 349 |
| Total domestic deposits to total assets | 77.9200% | 3,715 |
| Equity capital to assets | 11.3484% | 1,408 |
| Core capital (leverage) ratio | 10.7144% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,126,146,000 | 910 |
| Average earning assets | $1,061,870,000 | 890 |
| Average equity | $130,011,333 | 813 |
| Average total loans | $848,939,000 | 859 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 2,017 |
| Cost of funding earning assets | 2.8877% | 516 |
| Net interest margin | 2.5034% | 3,861 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 2.0767% | 3,376 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.3920% | 3,640 |
| Return on assets (ROA) | 0.3920% | 3,659 |
| Pretax return on assets | 0.5081% | 3,563 |
| Return on Equity (ROE) | 3.3700% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.3654% | 2,880 |
| Net charge-offs to loans | -0.0112% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 79.0726% | 1,269 |
| Assets per employee ($millions) | 14.5376% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 3,997 |
| Loan loss allowance to noncurrent loans | 17,012.1951% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,829 |
| Noncurrent loans to loans | 0.0046% | 3,778 |
| Net loans and leases to total assets | 77.7700% | 880 |
| Net loans and leases to deposits | 106.6662% | 262 |
| Net loans and leases to core deposits | 144.1518% | 243 |
| Total domestic deposits to total assets | 72.9100% | 4,188 |
| Equity capital to assets | 11.3033% | 1,384 |
| Core capital (leverage) ratio | 11.5690% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,109,244,000 | 927 |
| Average earning assets | $1,044,996,500 | 905 |
| Average equity | $129,199,000 | 820 |
| Average total loans | $824,953,000 | 876 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 1,393 |
| Cost of funding earning assets | 2.5713% | 313 |
| Net interest margin | 2.7819% | 3,697 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.9848% | 3,668 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.7169% | 3,140 |
| Return on assets (ROA) | 0.7169% | 3,121 |
| Pretax return on assets | 0.9193% | 2,910 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.4611% | 2,072 |
| Net charge-offs to loans | -0.0313% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.5856% | 2,047 |
| Assets per employee ($millions) | 13.8963% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 3,733 |
| Loan loss allowance to noncurrent loans | 738.0638% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,972 |
| Noncurrent loans to loans | 0.1212% | 2,912 |
| Net loans and leases to total assets | 69.4500% | 1,874 |
| Net loans and leases to deposits | 89.7390% | 1,291 |
| Net loans and leases to core deposits | 117.6039% | 698 |
| Total domestic deposits to total assets | 77.3900% | 3,801 |
| Equity capital to assets | 12.0169% | 1,117 |
| Core capital (leverage) ratio | 11.0753% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,116,508,800 | 900 |
| Average earning assets | $1,053,131,000 | 879 |
| Average equity | $123,880,400 | 800 |
| Average total loans | $823,278,400 | 845 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2777% | 1,314 |
| Cost of funding earning assets | 2.4418% | 303 |
| Net interest margin | 2.8359% | 3,668 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.9788% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7511% | 3,171 |
| Return on assets (ROA) | 0.7511% | 3,160 |
| Pretax return on assets | 0.9614% | 2,953 |
| Return on Equity (ROE) | 6.9100% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.9053% | 2,327 |
| Net charge-offs to loans | -0.0303% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.0673% | 2,137 |
| Assets per employee ($millions) | 14.5749% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 3,984 |
| Loan loss allowance to noncurrent loans | 694.3775% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 2,993 |
| Noncurrent loans to loans | 0.1152% | 2,995 |
| Net loans and leases to total assets | 76.4200% | 1,073 |
| Net loans and leases to deposits | 94.3954% | 869 |
| Net loans and leases to core deposits | 129.2052% | 352 |
| Total domestic deposits to total assets | 80.9500% | 3,392 |
| Equity capital to assets | 11.1746% | 1,285 |
| Core capital (leverage) ratio | 10.2640% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,128,132,250 | 899 |
| Average earning assets | $1,064,420,500 | 872 |
| Average equity | $122,704,750 | 800 |
| Average total loans | $841,652,500 | 831 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 1,450 |
| Cost of funding earning assets | 2.1786% | 353 |
| Net interest margin | 2.8771% | 3,687 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.9678% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7957% | 3,098 |
| Return on assets (ROA) | 0.7957% | 3,101 |
| Pretax return on assets | 1.0174% | 2,864 |
| Return on Equity (ROE) | 7.3800% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.3824% | 2,168 |
| Net charge-offs to loans | -0.0297% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6747% | 2,285 |
| Assets per employee ($millions) | 15.0602% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 4,079 |
| Loan loss allowance to noncurrent loans | 988.3117% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,174 |
| Noncurrent loans to loans | 0.0775% | 3,131 |
| Net loans and leases to total assets | 75.5200% | 1,102 |
| Net loans and leases to deposits | 97.1478% | 661 |
| Net loans and leases to core deposits | 130.2929% | 320 |
| Total domestic deposits to total assets | 77.7400% | 3,877 |
| Equity capital to assets | 10.5565% | 1,570 |
| Core capital (leverage) ratio | 9.9701% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,130,086,333 | 887 |
| Average earning assets | $1,065,181,667 | 862 |
| Average equity | $121,803,333 | 799 |
| Average total loans | $834,037,000 | 822 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,937 |
| Cost of funding earning assets | 1.6336% | 658 |
| Net interest margin | 3.0314% | 3,523 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.9820% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8868% | 2,897 |
| Return on assets (ROA) | 0.8868% | 2,850 |
| Pretax return on assets | 1.1287% | 2,634 |
| Return on Equity (ROE) | 8.1400% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.1391% | 2,178 |
| Net charge-offs to loans | -0.0298% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.4591% | 2,525 |
| Assets per employee ($millions) | 14.0101% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 4,044 |
| Loan loss allowance to noncurrent loans | 819.4444% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,058 |
| Noncurrent loans to loans | 0.1006% | 3,034 |
| Net loans and leases to total assets | 72.8400% | 1,337 |
| Net loans and leases to deposits | 102.0110% | 361 |
| Net loans and leases to core deposits | 115.2804% | 552 |
| Total domestic deposits to total assets | 71.4100% | 4,378 |
| Equity capital to assets | 10.8876% | 1,384 |
| Core capital (leverage) ratio | 10.9144% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,107,783,000 | 921 |
| Average earning assets | $1,042,826,000 | 899 |
| Average equity | $120,701,500 | 815 |
| Average total loans | $804,060,500 | 854 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 2,617 |
| Cost of funding earning assets | 0.4789% | 1,537 |
| Net interest margin | 3.1893% | 2,898 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9209% | 3,790 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.0167% | 2,507 |
| Return on assets (ROA) | 1.0167% | 2,449 |
| Pretax return on assets | 1.2832% | 2,150 |
| Return on Equity (ROE) | 9.5000% | 2,970 |
| Retained earnings to average equity (ytd only) | 9.4996% | 1,314 |
| Net charge-offs to loans | 0.0365% | 1,361 |
| Credit loss provision to net charge-offs | 590.5594% | 610 |
| Earnings coverage of net charge-offs (x) | 53.8811% | 1,312 |
| Efficiency ratio | 56.7165% | 3,498 |
| Assets per employee ($millions) | 13.8577% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 3,973 |
| Loan loss allowance to noncurrent loans | 782.6297% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,036 |
| Noncurrent loans to loans | 0.1056% | 3,012 |
| Net loans and leases to total assets | 71.1100% | 1,515 |
| Net loans and leases to deposits | 94.3865% | 758 |
| Net loans and leases to core deposits | 108.3783% | 663 |
| Total domestic deposits to total assets | 75.3300% | 4,295 |
| Equity capital to assets | 10.9041% | 1,297 |
| Core capital (leverage) ratio | 10.6871% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,069,246,200 | 926 |
| Average earning assets | $1,010,812,600 | 900 |
| Average equity | $114,436,200 | 849 |
| Average total loans | $782,576,200 | 830 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3980% | 2,928 |
| Cost of funding earning assets | 0.3270% | 1,890 |
| Net interest margin | 3.0710% | 3,017 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9220% | 3,695 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.9407% | 2,703 |
| Return on assets (ROA) | 0.9407% | 2,672 |
| Pretax return on assets | 1.1881% | 2,412 |
| Return on Equity (ROE) | 8.8300% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.8324% | 1,715 |
| Net charge-offs to loans | -0.0165% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.9684% | 3,388 |
| Assets per employee ($millions) | 14.3141% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,006 |
| Loan loss allowance to noncurrent loans | 437.1277% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 2,632 |
| Noncurrent loans to loans | 0.1924% | 2,640 |
| Net loans and leases to total assets | 71.6000% | 1,334 |
| Net loans and leases to deposits | 88.7272% | 980 |
| Net loans and leases to core deposits | 102.3992% | 726 |
| Total domestic deposits to total assets | 80.7000% | 4,028 |
| Equity capital to assets | 10.6445% | 1,313 |
| Core capital (leverage) ratio | 10.2361% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,062,867,750 | 935 |
| Average earning assets | $1,005,828,250 | 912 |
| Average equity | $113,201,750 | 878 |
| Average total loans | $781,989,000 | 831 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1375% | 3,218 |
| Cost of funding earning assets | 0.2265% | 2,563 |
| Net interest margin | 2.9109% | 3,136 |
| Noninterest income to average assets | 0.4561% | 2,413 |
| Noninterest expense to average assets | 1.9315% | 3,631 |
| Loan and lease loss provision to assets | 0.2699% | 254 |
| Net operating income to assets | 0.8038% | 2,945 |
| Return on assets (ROA) | 0.8038% | 2,913 |
| Pretax return on assets | 1.0090% | 2,697 |
| Return on Equity (ROE) | 7.5452% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.5452% | 1,795 |
| Net charge-offs to loans | 0.0023% | 2,014 |
| Credit loss provision to net charge-offs | 15,811.1111% | 35 |
| Earnings coverage of net charge-offs (x) | 749.2222% | 187 |
| Efficiency ratio | 59.6384% | 3,341 |
| Assets per employee ($millions) | 14.2091% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 4,221 |
| Loan loss allowance to noncurrent loans | 420.3752% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,721 |
| Noncurrent loans to loans | 0.1833% | 2,785 |
| Net loans and leases to total assets | 77.4862% | 597 |
| Net loans and leases to deposits | 100.1822% | 264 |
| Net loans and leases to core deposits | 119.3515% | 204 |
| Total domestic deposits to total assets | 77.3453% | 4,392 |
| Equity capital to assets | 10.5175% | 1,419 |
| Core capital (leverage) ratio | 10.2963% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,054,533,000 | 933 |
| Average earning assets | $997,752,333 | 919 |
| Average equity | $112,336,000 | 886 |
| Average total loans | $780,813,667 | 822 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9602% | 3,369 |
| Cost of funding earning assets | 0.1911% | 2,928 |
| Net interest margin | 2.7691% | 3,228 |
| Noninterest income to average assets | 0.2565% | 3,606 |
| Noninterest expense to average assets | 1.8932% | 3,697 |
| Loan and lease loss provision to assets | 0.0791% | 1,039 |
| Net operating income to assets | 0.7191% | 2,987 |
| Return on assets (ROA) | 0.7191% | 2,978 |
| Pretax return on assets | 0.9042% | 2,761 |
| Return on Equity (ROE) | 6.7063% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.7063% | 1,994 |
| Net charge-offs to loans | -0.2097% | 4,611 |
| Credit loss provision to net charge-offs | -52.4173% | 2,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2029% | 2,877 |
| Assets per employee ($millions) | 13.7451% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.1083% | 821 |
| Net loans and leases to deposits | 93.6786% | 378 |
| Net loans and leases to core deposits | 111.4659% | 229 |
| Total domestic deposits to total assets | 76.9742% | 4,462 |
| Equity capital to assets | 10.8531% | 1,406 |
| Core capital (leverage) ratio | 9.7874% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,041,854,500 | 948 |
| Average earning assets | $985,753,000 | 929 |
| Average equity | $111,715,500 | 918 |
| Average total loans | $749,588,000 | 830 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9901% | 3,890 |
| Cost of funding earning assets | 0.2301% | 3,132 |
| Net interest margin | 2.7599% | 3,754 |
| Noninterest income to average assets | 0.2432% | 3,915 |
| Noninterest expense to average assets | 1.7585% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8724% | 3,130 |
| Return on assets (ROA) | 0.8754% | 3,183 |
| Pretax return on assets | 1.1073% | 2,946 |
| Return on Equity (ROE) | 8.3892% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.3892% | 1,394 |
| Net charge-offs to loans | -0.0880% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7385% | 3,037 |
| Assets per employee ($millions) | 13.6730% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 4,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.7671% | 951 |
| Net loans and leases to deposits | 85.9145% | 782 |
| Net loans and leases to core deposits | 101.6120% | 468 |
| Total domestic deposits to total assets | 82.3692% | 3,907 |
| Equity capital to assets | 10.5951% | 2,094 |
| Core capital (leverage) ratio | 9.7481% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,029,528,400 | 942 |
| Average earning assets | $976,835,600 | 922 |
| Average equity | $107,435,400 | 952 |
| Average total loans | $779,170,600 | 812 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0005% | 4,004 |
| Cost of funding earning assets | 0.2430% | 3,185 |
| Net interest margin | 2.7575% | 3,873 |
| Noninterest income to average assets | 0.2447% | 3,927 |
| Noninterest expense to average assets | 1.7695% | 4,221 |
| Loan and lease loss provision to assets | 0.0095% | 2,800 |
| Net operating income to assets | 0.8542% | 3,380 |
| Return on assets (ROA) | 0.8583% | 3,428 |
| Pretax return on assets | 1.0874% | 3,222 |
| Return on Equity (ROE) | 8.2574% | 3,330 |
| Retained earnings to average equity (ytd only) | 8.2574% | 1,972 |
| Net charge-offs to loans | -0.0559% | 4,404 |
| Credit loss provision to net charge-offs | -22.1212% | 3,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1162% | 2,818 |
| Assets per employee ($millions) | 13.6186% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6569% | 4,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.0591% | 869 |
| Net loans and leases to deposits | 90.5762% | 575 |
| Net loans and leases to core deposits | 104.3070% | 449 |
| Total domestic deposits to total assets | 79.5563% | 4,288 |
| Equity capital to assets | 10.8715% | 2,105 |
| Core capital (leverage) ratio | 10.0518% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,023,704,500 | 956 |
| Average earning assets | $971,331,750 | 939 |
| Average equity | $106,407,250 | 974 |
| Average total loans | $786,428,750 | 825 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9777% | 4,082 |
| Cost of funding earning assets | 0.2605% | 3,181 |
| Net interest margin | 2.7173% | 3,948 |
| Noninterest income to average assets | 0.2381% | 3,980 |
| Noninterest expense to average assets | 1.7220% | 4,331 |
| Loan and lease loss provision to assets | 0.0029% | 2,820 |
| Net operating income to assets | 0.8612% | 3,331 |
| Return on assets (ROA) | 0.8649% | 3,394 |
| Pretax return on assets | 1.0948% | 3,234 |
| Return on Equity (ROE) | 8.4475% | 3,272 |
| Retained earnings to average equity (ytd only) | 8.4475% | 1,914 |
| Net charge-offs to loans | -0.0547% | 4,414 |
| Credit loss provision to net charge-offs | -6.8182% | 2,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4184% | 2,957 |
| Assets per employee ($millions) | 13.2410% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 4,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.7313% | 700 |
| Net loans and leases to deposits | 96.8970% | 356 |
| Net loans and leases to core deposits | 117.3068% | 248 |
| Total domestic deposits to total assets | 77.1244% | 4,507 |
| Equity capital to assets | 11.2803% | 1,768 |
| Core capital (leverage) ratio | 9.7667% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,029,013,667 | 944 |
| Average earning assets | $975,908,667 | 925 |
| Average equity | $105,356,333 | 977 |
| Average total loans | $804,906,000 | 814 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9762% | 4,139 |
| Cost of funding earning assets | 0.2691% | 3,287 |
| Net interest margin | 2.7071% | 3,953 |
| Noninterest income to average assets | 0.2306% | 4,001 |
| Noninterest expense to average assets | 1.6771% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8845% | 3,167 |
| Return on assets (ROA) | 0.8845% | 3,249 |
| Pretax return on assets | 1.1222% | 3,061 |
| Return on Equity (ROE) | 9.0501% | 3,020 |
| Retained earnings to average equity (ytd only) | 9.0501% | 1,940 |
| Net charge-offs to loans | -0.0518% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1615% | 3,132 |
| Assets per employee ($millions) | 15.2263% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5295% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 78.3475% | 446 |
| Net loans and leases to deposits | 113.7960% | 107 |
| Net loans and leases to core deposits | 138.4699% | 95 |
| Total domestic deposits to total assets | 68.8491% | 4,788 |
| Equity capital to assets | 9.7504% | 2,946 |
| Core capital (leverage) ratio | 9.1742% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,066,844,500 | 909 |
| Average earning assets | $1,012,310,500 | 886 |
| Average equity | $104,264,000 | 974 |
| Average total loans | $848,816,000 | 768 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 4,362 |
| Cost of funding earning assets | 0.6527% | 1,973 |
| Net interest margin | 2.6242% | 4,467 |
| Noninterest income to average assets | 0.1909% | 4,332 |
| Noninterest expense to average assets | 1.6547% | 4,658 |
| Loan and lease loss provision to assets | 0.0279% | 4,049 |
| Net operating income to assets | 0.7813% | 3,166 |
| Return on assets (ROA) | 0.8152% | 3,152 |
| Pretax return on assets | 1.0265% | 2,954 |
| Return on Equity (ROE) | 7.9917% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.9917% | 1,055 |
| Net charge-offs to loans | -0.0502% | 4,666 |
| Credit loss provision to net charge-offs | -69.8701% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0943% | 3,292 |
| Assets per employee ($millions) | 15.0375% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5199% | 4,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.9655% | 431 |
| Net loans and leases to deposits | 123.2949% | 60 |
| Net loans and leases to core deposits | 140.9215% | 115 |
| Total domestic deposits to total assets | 64.8571% | 4,865 |
| Equity capital to assets | 9.7965% | 3,322 |
| Core capital (leverage) ratio | 8.8031% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $964,506,800 | 906 |
| Average earning assets | $909,789,000 | 891 |
| Average equity | $98,389,800 | 969 |
| Average total loans | $766,806,600 | 808 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 4,514 |
| Cost of funding earning assets | 0.7519% | 1,733 |
| Net interest margin | 2.5192% | 4,642 |
| Noninterest income to average assets | 0.2501% | 3,982 |
| Noninterest expense to average assets | 1.6828% | 4,647 |
| Loan and lease loss provision to assets | 0.0381% | 3,878 |
| Net operating income to assets | 0.7187% | 3,395 |
| Return on assets (ROA) | 0.7312% | 3,447 |
| Pretax return on assets | 0.9183% | 3,332 |
| Return on Equity (ROE) | 7.0898% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.0898% | 1,653 |
| Net charge-offs to loans | -0.0307% | 4,538 |
| Credit loss provision to net charge-offs | -156.3953% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1201% | 2,896 |
| Assets per employee ($millions) | 15.1697% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4944% | 4,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.6735% | 460 |
| Net loans and leases to deposits | 127.7874% | 66 |
| Net loans and leases to core deposits | 152.1007% | 107 |
| Total domestic deposits to total assets | 63.9136% | 4,890 |
| Equity capital to assets | 9.7616% | 3,469 |
| Core capital (leverage) ratio | 9.2742% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $942,477,250 | 919 |
| Average earning assets | $887,885,000 | 901 |
| Average equity | $97,207,250 | 976 |
| Average total loans | $746,974,250 | 826 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 4,600 |
| Cost of funding earning assets | 0.8668% | 1,508 |
| Net interest margin | 2.4753% | 4,748 |
| Noninterest income to average assets | 0.2575% | 3,932 |
| Noninterest expense to average assets | 1.7044% | 4,679 |
| Loan and lease loss provision to assets | 0.0298% | 3,882 |
| Net operating income to assets | 0.6820% | 3,457 |
| Return on assets (ROA) | 0.6841% | 3,552 |
| Pretax return on assets | 0.8541% | 3,448 |
| Return on Equity (ROE) | 6.5011% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.5011% | 1,864 |
| Net charge-offs to loans | -0.0045% | 3,987 |
| Credit loss provision to net charge-offs | -850.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8250% | 2,689 |
| Assets per employee ($millions) | 14.6212% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5062% | 4,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.3664% | 676 |
| Net loans and leases to deposits | 109.7655% | 234 |
| Net loans and leases to core deposits | 141.6741% | 152 |
| Total domestic deposits to total assets | 72.3055% | 4,695 |
| Equity capital to assets | 10.1973% | 3,024 |
| Core capital (leverage) ratio | 9.0238% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $912,790,667 | 930 |
| Average earning assets | $858,565,333 | 910 |
| Average equity | $96,044,667 | 976 |
| Average total loans | $713,739,667 | 845 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,618 |
| Cost of funding earning assets | 0.9756% | 1,537 |
| Net interest margin | 2.5374% | 4,801 |
| Noninterest income to average assets | 0.2829% | 3,832 |
| Noninterest expense to average assets | 1.7846% | 4,685 |
| Loan and lease loss provision to assets | 0.0311% | 3,382 |
| Net operating income to assets | 0.6656% | 3,387 |
| Return on assets (ROA) | 0.6699% | 3,438 |
| Pretax return on assets | 0.8531% | 3,274 |
| Return on Equity (ROE) | 6.2615% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.2615% | 1,782 |
| Net charge-offs to loans | -0.0017% | 3,634 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8875% | 2,982 |
| Assets per employee ($millions) | 14.1930% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5215% | 4,855 |
| Loan loss allowance to noncurrent loans | 407.7991% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,110 |
| Noncurrent loans to loans | 0.1279% | 4,008 |
| Net loans and leases to total assets | 78.9307% | 836 |
| Net loans and leases to deposits | 124.1247% | 65 |
| Net loans and leases to core deposits | 159.3769% | 81 |
| Total domestic deposits to total assets | 63.5899% | 4,996 |
| Equity capital to assets | 10.4011% | 3,417 |
| Core capital (leverage) ratio | 10.1151% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $886,688,000 | 923 |
| Average earning assets | $831,879,500 | 909 |
| Average equity | $94,865,000 | 981 |
| Average total loans | $685,719,500 | 850 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 4,153 |
| Cost of funding earning assets | 1.4408% | 482 |
| Net interest margin | 2.6035% | 4,905 |
| Noninterest income to average assets | 0.2508% | 4,178 |
| Noninterest expense to average assets | 1.7927% | 4,780 |
| Loan and lease loss provision to assets | 0.6832% | 167 |
| Net operating income to assets | 0.1879% | 4,850 |
| Return on assets (ROA) | 0.2246% | 4,844 |
| Pretax return on assets | 0.2596% | 4,848 |
| Return on Equity (ROE) | 2.1644% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.1644% | 3,913 |
| Net charge-offs to loans | 0.9020% | 179 |
| Credit loss provision to net charge-offs | 105.2867% | 2,352 |
| Earnings coverage of net charge-offs (x) | 1.3878% | 3,548 |
| Efficiency ratio | 65.3666% | 2,864 |
| Assets per employee ($millions) | 12.6989% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 4,769 |
| Loan loss allowance to noncurrent loans | 301.0450% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,787 |
| Noncurrent loans to loans | 0.1945% | 3,757 |
| Net loans and leases to total assets | 74.7158% | 1,630 |
| Net loans and leases to deposits | 107.6268% | 235 |
| Net loans and leases to core deposits | 137.1779% | 199 |
| Total domestic deposits to total assets | 69.4212% | 4,953 |
| Equity capital to assets | 11.0216% | 2,973 |
| Core capital (leverage) ratio | 9.1093% | 4,439 |
| Tier 1 risk-based capital ratio | 11.9392% | 4,396 |
| Total risk-based capital ratio | 12.5043% | 4,647 |
| Memoranda: | ||
| Average total assets | $894,863,000 | 880 |
| Average earning assets | $839,537,000 | 860 |
| Average equity | $92,865,200 | 949 |
| Average total loans | $643,771,600 | 859 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 4,321 |
| Cost of funding earning assets | 1.4870% | 425 |
| Net interest margin | 2.5328% | 5,044 |
| Noninterest income to average assets | 0.2467% | 4,262 |
| Noninterest expense to average assets | 1.7409% | 4,879 |
| Loan and lease loss provision to assets | 0.0695% | 2,487 |
| Net operating income to assets | 0.6713% | 4,104 |
| Return on assets (ROA) | 0.7171% | 4,029 |
| Pretax return on assets | 0.8681% | 3,959 |
| Return on Equity (ROE) | 7.0121% | 3,675 |
| Retained earnings to average equity (ytd only) | 7.0121% | 1,858 |
| Net charge-offs to loans | 0.0122% | 2,926 |
| Credit loss provision to net charge-offs | 800.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 101.6162% | 744 |
| Efficiency ratio | 65.1349% | 2,833 |
| Assets per employee ($millions) | 14.7515% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4969% | 4,973 |
| Loan loss allowance to noncurrent loans | 51.9563% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 1,781 |
| Noncurrent loans to loans | 0.9564% | 1,684 |
| Net loans and leases to total assets | 78.0204% | 1,142 |
| Net loans and leases to deposits | 135.2999% | 30 |
| Net loans and leases to core deposits | 183.9920% | 54 |
| Total domestic deposits to total assets | 57.6648% | 5,176 |
| Equity capital to assets | 9.7683% | 4,240 |
| Core capital (leverage) ratio | 8.8649% | 4,735 |
| Tier 1 risk-based capital ratio | 10.1223% | 5,171 |
| Total risk-based capital ratio | 10.5990% | 5,234 |
| Memoranda: | ||
| Average total assets | $905,871,750 | 872 |
| Average earning assets | $850,015,750 | 854 |
| Average equity | $92,637,750 | 955 |
| Average total loans | $644,852,500 | 861 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 4,470 |
| Cost of funding earning assets | 1.4398% | 465 |
| Net interest margin | 2.5159% | 5,120 |
| Noninterest income to average assets | 0.2400% | 4,318 |
| Noninterest expense to average assets | 1.7928% | 4,885 |
| Loan and lease loss provision to assets | 0.0221% | 3,363 |
| Net operating income to assets | 0.6443% | 4,185 |
| Return on assets (ROA) | 0.6583% | 4,191 |
| Pretax return on assets | 0.8024% | 4,091 |
| Return on Equity (ROE) | 6.3305% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.3305% | 2,126 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6445% | 2,593 |
| Assets per employee ($millions) | 13.4509% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5049% | 5,010 |
| Loan loss allowance to noncurrent loans | 1,253.5461% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,625 |
| Noncurrent loans to loans | 0.0403% | 4,509 |
| Net loans and leases to total assets | 73.9901% | 1,893 |
| Net loans and leases to deposits | 118.1104% | 104 |
| Net loans and leases to core deposits | 168.3720% | 74 |
| Total domestic deposits to total assets | 62.6449% | 5,186 |
| Equity capital to assets | 10.0564% | 3,934 |
| Core capital (leverage) ratio | 9.4773% | 4,169 |
| Tier 1 risk-based capital ratio | 10.5933% | 5,072 |
| Total risk-based capital ratio | 11.0640% | 5,215 |
| Memoranda: | ||
| Average total assets | $878,378,330 | 894 |
| Average earning assets | $824,026,000 | 871 |
| Average equity | $91,335,330 | 963 |
| Average total loans | $601,481,000 | 915 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,505 |
| Cost of funding earning assets | 1.3469% | 563 |
| Net interest margin | 2.5824% | 5,148 |
| Noninterest income to average assets | 0.2296% | 4,363 |
| Noninterest expense to average assets | 1.8583% | 4,855 |
| Loan and lease loss provision to assets | 0.0231% | 3,132 |
| Net operating income to assets | 0.6030% | 4,236 |
| Return on assets (ROA) | 0.6198% | 4,222 |
| Pretax return on assets | 0.7874% | 4,073 |
| Return on Equity (ROE) | 5.8533% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.8533% | 2,521 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8492% | 2,521 |
| Assets per employee ($millions) | 12.3511% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 4,846 |
| Loan loss allowance to noncurrent loans | 1,227.8169% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,668 |
| Noncurrent loans to loans | 0.0533% | 4,523 |
| Net loans and leases to total assets | 63.0819% | 3,392 |
| Net loans and leases to deposits | 98.6394% | 731 |
| Net loans and leases to core deposits | 134.4153% | 252 |
| Total domestic deposits to total assets | 63.9521% | 5,242 |
| Equity capital to assets | 10.7583% | 3,090 |
| Core capital (leverage) ratio | 9.7112% | 3,906 |
| Tier 1 risk-based capital ratio | 12.9256% | 3,914 |
| Total risk-based capital ratio | 13.5257% | 4,172 |
| Memoranda: | ||
| Average total assets | $846,787,500 | 924 |
| Average earning assets | $792,914,000 | 908 |
| Average equity | $89,659,500 | 967 |
| Average total loans | $552,123,500 | 978 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,625 |
| Cost of funding earning assets | 1.0556% | 591 |
| Net interest margin | 2.6725% | 5,115 |
| Noninterest income to average assets | 0.3386% | 3,850 |
| Noninterest expense to average assets | 1.8203% | 4,986 |
| Loan and lease loss provision to assets | 0.1300% | 1,695 |
| Net operating income to assets | 0.7339% | 4,030 |
| Return on assets (ROA) | 0.6724% | 4,234 |
| Pretax return on assets | 0.8154% | 4,127 |
| Return on Equity (ROE) | 6.5276% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.5276% | 1,909 |
| Net charge-offs to loans | 0.0047% | 3,550 |
| Credit loss provision to net charge-offs | 4,320.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 303 |
| Efficiency ratio | 62.6907% | 3,406 |
| Assets per employee ($millions) | 12.5544% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6022% | 4,965 |
| Loan loss allowance to noncurrent loans | 1,193.7500% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,683 |
| Noncurrent loans to loans | 0.0504% | 4,516 |
| Net loans and leases to total assets | 66.4768% | 3,058 |
| Net loans and leases to deposits | 104.2956% | 463 |
| Net loans and leases to core deposits | 142.5788% | 174 |
| Total domestic deposits to total assets | 63.7389% | 5,282 |
| Equity capital to assets | 10.4209% | 3,262 |
| Core capital (leverage) ratio | 9.6356% | 3,961 |
| Tier 1 risk-based capital ratio | 11.8473% | 4,537 |
| Total risk-based capital ratio | 12.4024% | 4,801 |
| Memoranda: | ||
| Average total assets | $830,484,600 | 923 |
| Average earning assets | $777,539,200 | 903 |
| Average equity | $85,544,200 | 978 |
| Average total loans | $533,913,000 | 976 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 4,648 |
| Cost of funding earning assets | 1.0285% | 523 |
| Net interest margin | 2.6728% | 5,184 |
| Noninterest income to average assets | 0.3736% | 3,641 |
| Noninterest expense to average assets | 1.8475% | 4,982 |
| Loan and lease loss provision to assets | 0.1310% | 1,540 |
| Net operating income to assets | 0.7120% | 4,185 |
| Return on assets (ROA) | 0.6325% | 4,431 |
| Pretax return on assets | 0.7969% | 4,301 |
| Return on Equity (ROE) | 6.1588% | 4,218 |
| Retained earnings to average equity (ytd only) | 6.1588% | 2,573 |
| Net charge-offs to loans | 0.0064% | 3,207 |
| Credit loss provision to net charge-offs | 3,240.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 254.4989% | 364 |
| Efficiency ratio | 62.8366% | 3,369 |
| Assets per employee ($millions) | 12.2480% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 5,041 |
| Loan loss allowance to noncurrent loans | 1,096.1938% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,810 |
| Noncurrent loans to loans | 0.0549% | 4,647 |
| Net loans and leases to total assets | 62.7935% | 3,566 |
| Net loans and leases to deposits | 96.1573% | 1,136 |
| Net loans and leases to core deposits | 139.8317% | 209 |
| Total domestic deposits to total assets | 65.3029% | 5,336 |
| Equity capital to assets | 10.4616% | 3,177 |
| Core capital (leverage) ratio | 9.0585% | 4,651 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,287 |
| Total risk-based capital ratio | 12.8894% | 4,601 |
| Memoranda: | ||
| Average total assets | $824,681,000 | 929 |
| Average earning assets | $772,118,000 | 908 |
| Average equity | $84,689,500 | 986 |
| Average total loans | $524,653,750 | 995 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 4,845 |
| Cost of funding earning assets | 0.9570% | 563 |
| Net interest margin | 2.5969% | 5,277 |
| Noninterest income to average assets | 0.2543% | 4,490 |
| Noninterest expense to average assets | 1.8373% | 5,050 |
| Loan and lease loss provision to assets | 0.1375% | 1,423 |
| Net operating income to assets | 0.5608% | 4,605 |
| Return on assets (ROA) | 0.5662% | 4,596 |
| Pretax return on assets | 0.7154% | 4,474 |
| Return on Equity (ROE) | 5.5487% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.5487% | 2,796 |
| Net charge-offs to loans | 0.0095% | 2,799 |
| Credit loss provision to net charge-offs | 2,260.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 139.0800% | 549 |
| Efficiency ratio | 66.9387% | 2,836 |
| Assets per employee ($millions) | 12.9639% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4944% | 5,266 |
| Loan loss allowance to noncurrent loans | 997.6109% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,821 |
| Noncurrent loans to loans | 0.0496% | 4,692 |
| Net loans and leases to total assets | 67.7348% | 2,907 |
| Net loans and leases to deposits | 108.7504% | 323 |
| Net loans and leases to core deposits | 153.0752% | 103 |
| Total domestic deposits to total assets | 62.2847% | 5,434 |
| Equity capital to assets | 9.7895% | 3,829 |
| Core capital (leverage) ratio | 8.6623% | 4,984 |
| Tier 1 risk-based capital ratio | 10.8336% | 5,137 |
| Total risk-based capital ratio | 11.2849% | 5,359 |
| Memoranda: | ||
| Average total assets | $821,952,670 | 932 |
| Average earning assets | $768,830,000 | 915 |
| Average equity | $83,875,670 | 985 |
| Average total loans | $524,153,670 | 995 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 5,009 |
| Cost of funding earning assets | 0.8729% | 683 |
| Net interest margin | 2.5347% | 5,369 |
| Noninterest income to average assets | 0.2639% | 4,416 |
| Noninterest expense to average assets | 1.8732% | 5,065 |
| Loan and lease loss provision to assets | 0.1287% | 1,466 |
| Net operating income to assets | 0.4858% | 4,728 |
| Return on assets (ROA) | 0.4968% | 4,710 |
| Pretax return on assets | 0.6451% | 4,576 |
| Return on Equity (ROE) | 4.7636% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.7636% | 3,275 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5073% | 2,574 |
| Assets per employee ($millions) | 12.8144% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5390% | 5,279 |
| Loan loss allowance to noncurrent loans | 687.5000% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,867 |
| Noncurrent loans to loans | 0.0784% | 4,631 |
| Net loans and leases to total assets | 60.3478% | 3,718 |
| Net loans and leases to deposits | 94.7717% | 1,162 |
| Net loans and leases to core deposits | 154.5400% | 102 |
| Total domestic deposits to total assets | 63.6770% | 5,490 |
| Equity capital to assets | 10.3733% | 3,194 |
| Core capital (leverage) ratio | 9.1229% | 4,542 |
| Tier 1 risk-based capital ratio | 12.2901% | 4,387 |
| Total risk-based capital ratio | 12.7642% | 4,748 |
| Memoranda: | ||
| Average total assets | $798,637,000 | 965 |
| Average earning assets | $746,446,500 | 952 |
| Average equity | $83,298,500 | 1,003 |
| Average total loans | $490,602,000 | 1,073 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 5,319 |
| Cost of funding earning assets | 0.6461% | 1,320 |
| Net interest margin | 2.4156% | 5,455 |
| Noninterest income to average assets | 0.2218% | 4,822 |
| Noninterest expense to average assets | 1.8811% | 5,141 |
| Loan and lease loss provision to assets | 0.1590% | 1,415 |
| Net operating income to assets | 1.1552% | 1,667 |
| Return on assets (ROA) | 1.1552% | 1,695 |
| Pretax return on assets | 0.4311% | 5,044 |
| Return on Equity (ROE) | 10.8911% | 1,530 |
| Retained earnings to average equity (ytd only) | 10.8911% | 256 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1342% | 1,874 |
| Assets per employee ($millions) | 13.4320% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4850% | 5,403 |
| Loan loss allowance to noncurrent loans | 566.0333% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,867 |
| Noncurrent loans to loans | 0.0857% | 4,621 |
| Net loans and leases to total assets | 61.7029% | 3,658 |
| Net loans and leases to deposits | 103.6220% | 510 |
| Net loans and leases to core deposits | 160.9348% | 86 |
| Total domestic deposits to total assets | 59.5462% | 5,587 |
| Equity capital to assets | 10.8066% | 2,830 |
| Core capital (leverage) ratio | 9.4716% | 4,083 |
| Tier 1 risk-based capital ratio | 12.9069% | 3,966 |
| Total risk-based capital ratio | 13.3396% | 4,360 |
| Memoranda: | ||
| Average total assets | $747,811,200 | 987 |
| Average earning assets | $696,361,000 | 979 |
| Average equity | $79,321,600 | 1,013 |
| Average total loans | $401,763,200 | 1,227 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9913% | 5,414 |
| Cost of funding earning assets | 0.6114% | 1,451 |
| Net interest margin | 2.3799% | 5,539 |
| Noninterest income to average assets | 0.2221% | 4,888 |
| Noninterest expense to average assets | 1.8317% | 5,232 |
| Loan and lease loss provision to assets | 0.1549% | 1,332 |
| Net operating income to assets | 0.4337% | 4,921 |
| Return on assets (ROA) | 0.4337% | 4,953 |
| Pretax return on assets | 0.4518% | 5,112 |
| Return on Equity (ROE) | 4.1092% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.1092% | 3,468 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0478% | 2,036 |
| Assets per employee ($millions) | 13.0563% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4837% | 5,489 |
| Loan loss allowance to noncurrent loans | 13,666.6667% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,266 |
| Noncurrent loans to loans | 0.0035% | 5,140 |
| Net loans and leases to total assets | 55.6947% | 4,256 |
| Net loans and leases to deposits | 91.4040% | 1,636 |
| Net loans and leases to core deposits | 148.3846% | 132 |
| Total domestic deposits to total assets | 60.9325% | 5,650 |
| Equity capital to assets | 10.4847% | 3,394 |
| Core capital (leverage) ratio | 9.1146% | 4,622 |
| Tier 1 risk-based capital ratio | 14.2450% | 3,331 |
| Total risk-based capital ratio | 14.6688% | 3,670 |
| Memoranda: | ||
| Average total assets | $736,641,750 | 1,003 |
| Average earning assets | $686,007,000 | 992 |
| Average equity | $77,741,750 | 1,042 |
| Average total loans | $379,361,000 | 1,295 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8320% | 5,543 |
| Cost of funding earning assets | 0.5432% | 1,817 |
| Net interest margin | 2.2888% | 5,613 |
| Noninterest income to average assets | 0.2308% | 4,856 |
| Noninterest expense to average assets | 1.8381% | 5,273 |
| Loan and lease loss provision to assets | 0.1590% | 1,253 |
| Net operating income to assets | 0.3492% | 5,099 |
| Return on assets (ROA) | 0.3492% | 5,122 |
| Pretax return on assets | 0.3642% | 5,246 |
| Return on Equity (ROE) | 3.3009% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.3009% | 3,753 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6500% | 1,780 |
| Assets per employee ($millions) | 12.3832% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4425% | 5,572 |
| Loan loss allowance to noncurrent loans | 10,435.2941% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,311 |
| Noncurrent loans to loans | 0.0042% | 5,180 |
| Net loans and leases to total assets | 53.7184% | 4,420 |
| Net loans and leases to deposits | 89.4075% | 1,814 |
| Net loans and leases to core deposits | 143.6034% | 163 |
| Total domestic deposits to total assets | 60.0827% | 5,699 |
| Equity capital to assets | 10.5172% | 3,315 |
| Core capital (leverage) ratio | 9.2769% | 4,388 |
| Tier 1 risk-based capital ratio | 14.4673% | 3,186 |
| Total risk-based capital ratio | 14.8472% | 3,562 |
| Memoranda: | ||
| Average total assets | $729,766,330 | 1,015 |
| Average earning assets | $679,303,000 | 1,002 |
| Average equity | $77,190,000 | 1,050 |
| Average total loans | $364,545,330 | 1,341 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6701% | 5,660 |
| Cost of funding earning assets | 0.4628% | 2,402 |
| Net interest margin | 2.2073% | 5,701 |
| Noninterest income to average assets | 0.2555% | 4,705 |
| Noninterest expense to average assets | 1.8453% | 5,310 |
| Loan and lease loss provision to assets | 0.1682% | 1,060 |
| Net operating income to assets | 0.2815% | 5,241 |
| Return on assets (ROA) | 0.2815% | 5,254 |
| Pretax return on assets | 0.2921% | 5,325 |
| Return on Equity (ROE) | 2.6540% | 5,192 |
| Retained earnings to average equity (ytd only) | 2.6540% | 4,079 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7591% | 1,665 |
| Assets per employee ($millions) | 13.0003% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4573% | 5,634 |
| Loan loss allowance to noncurrent loans | 1,026.0274% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,258 |
| Noncurrent loans to loans | 0.0446% | 5,016 |
| Net loans and leases to total assets | 44.7900% | 4,995 |
| Net loans and leases to deposits | 80.1926% | 2,727 |
| Net loans and leases to core deposits | 120.8994% | 444 |
| Total domestic deposits to total assets | 55.8531% | 5,791 |
| Equity capital to assets | 10.6146% | 3,051 |
| Core capital (leverage) ratio | 9.8756% | 3,654 |
| Tier 1 risk-based capital ratio | 16.7220% | 2,271 |
| Total risk-based capital ratio | 17.0986% | 2,554 |
| Memoranda: | ||
| Average total assets | $723,153,000 | 1,027 |
| Average earning assets | $671,597,500 | 1,012 |
| Average equity | $76,714,000 | 1,049 |
| Average total loans | $346,369,000 | 1,410 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6366% | 5,715 |
| Cost of funding earning assets | 0.4105% | 2,900 |
| Net interest margin | 2.2261% | 5,738 |
| Noninterest income to average assets | 0.2377% | 4,995 |
| Noninterest expense to average assets | 1.8713% | 5,399 |
| Loan and lease loss provision to assets | 0.1402% | 1,779 |
| Net operating income to assets | 0.2905% | 5,242 |
| Return on assets (ROA) | 0.2905% | 5,312 |
| Pretax return on assets | 0.2958% | 5,369 |
| Return on Equity (ROE) | 2.6761% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.6761% | 4,002 |
| Net charge-offs to loans | 0.0073% | 4,011 |
| Credit loss provision to net charge-offs | 3,730.7692% | 115 |
| Earnings coverage of net charge-offs (x) | 116.0385% | 524 |
| Efficiency ratio | 78.9365% | 1,562 |
| Assets per employee ($millions) | 13.5526% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3270% | 5,783 |
| Loan loss allowance to noncurrent loans | 550.2304% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 5,249 |
| Noncurrent loans to loans | 0.0594% | 5,008 |
| Net loans and leases to total assets | 50.6714% | 4,712 |
| Net loans and leases to deposits | 86.1491% | 2,148 |
| Net loans and leases to core deposits | 140.8481% | 163 |
| Total domestic deposits to total assets | 58.8182% | 5,833 |
| Equity capital to assets | 10.6019% | 3,042 |
| Core capital (leverage) ratio | 9.3807% | 4,245 |
| Tier 1 risk-based capital ratio | 15.5654% | 2,717 |
| Total risk-based capital ratio | 15.8464% | 3,087 |
| Memoranda: | ||
| Average total assets | $691,962,000 | 1,027 |
| Average earning assets | $643,326,400 | 1,013 |
| Average equity | $75,108,600 | 1,058 |
| Average total loans | $358,156,000 | 1,311 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5420% | 5,812 |
| Cost of funding earning assets | 0.4015% | 3,008 |
| Net interest margin | 2.1405% | 5,843 |
| Noninterest income to average assets | 0.2348% | 5,068 |
| Noninterest expense to average assets | 1.8654% | 5,438 |
| Loan and lease loss provision to assets | 0.1066% | 2,153 |
| Net operating income to assets | 0.2449% | 5,399 |
| Return on assets (ROA) | 0.2449% | 5,469 |
| Pretax return on assets | 0.2548% | 5,506 |
| Return on Equity (ROE) | 2.2427% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.2427% | 4,576 |
| Net charge-offs to loans | 0.0007% | 3,932 |
| Credit loss provision to net charge-offs | 27,400.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 927.8165% | 89 |
| Efficiency ratio | 81.4711% | 1,252 |
| Assets per employee ($millions) | 13.6600% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1945% | 5,893 |
| Loan loss allowance to noncurrent loans | 319.6787% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,357 |
| Noncurrent loans to loans | 0.0609% | 5,113 |
| Net loans and leases to total assets | 54.3597% | 4,465 |
| Net loans and leases to deposits | 108.9164% | 283 |
| Net loans and leases to core deposits | 176.7474% | 58 |
| Total domestic deposits to total assets | 49.9096% | 5,927 |
| Equity capital to assets | 10.1262% | 4,004 |
| Core capital (leverage) ratio | 9.4180% | 4,301 |
| Tier 1 risk-based capital ratio | 13.8537% | 3,635 |
| Total risk-based capital ratio | 14.0228% | 4,206 |
| Memoranda: | ||
| Average total assets | $685,380,250 | 1,041 |
| Average earning assets | $637,853,250 | 1,025 |
| Average equity | $74,847,750 | 1,065 |
| Average total loans | $356,404,750 | 1,317 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4386% | 5,916 |
| Cost of funding earning assets | 0.3959% | 3,085 |
| Net interest margin | 2.0427% | 5,946 |
| Noninterest income to average assets | 0.2309% | 5,100 |
| Noninterest expense to average assets | 1.8866% | 5,479 |
| Loan and lease loss provision to assets | 0.0666% | 2,810 |
| Net operating income to assets | 0.1721% | 5,577 |
| Return on assets (ROA) | 0.1721% | 5,629 |
| Pretax return on assets | 0.1785% | 5,643 |
| Return on Equity (ROE) | 1.5342% | 5,602 |
| Retained earnings to average equity (ytd only) | 1.5342% | 4,766 |
| Net charge-offs to loans | 0.0006% | 3,680 |
| Credit loss provision to net charge-offs | 22,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 813.0000% | 64 |
| Efficiency ratio | 85.9850% | 885 |
| Assets per employee ($millions) | 13.2764% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1191% | 5,992 |
| Loan loss allowance to noncurrent loans | 127.0270% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 5,351 |
| Noncurrent loans to loans | 0.0938% | 5,075 |
| Net loans and leases to total assets | 54.9745% | 4,417 |
| Net loans and leases to deposits | 83.1737% | 2,568 |
| Net loans and leases to core deposits | 138.7898% | 199 |
| Total domestic deposits to total assets | 66.0960% | 5,884 |
| Equity capital to assets | 10.5113% | 3,620 |
| Core capital (leverage) ratio | 9.7054% | 3,921 |
| Tier 1 risk-based capital ratio | 14.2566% | 3,466 |
| Total risk-based capital ratio | 14.3607% | 4,054 |
| Memoranda: | ||
| Average total assets | $663,406,670 | 1,074 |
| Average earning assets | $617,317,000 | 1,056 |
| Average equity | $74,437,670 | 1,071 |
| Average total loans | $338,806,000 | 1,376 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3367% | 6,012 |
| Cost of funding earning assets | 0.3635% | 3,466 |
| Net interest margin | 1.9732% | 6,019 |
| Noninterest income to average assets | 0.2249% | 5,131 |
| Noninterest expense to average assets | 1.9490% | 5,437 |
| Loan and lease loss provision to assets | 0.0471% | 2,977 |
| Net operating income to assets | 0.0565% | 5,734 |
| Return on assets (ROA) | 0.0565% | 5,772 |
| Pretax return on assets | 0.0603% | 5,774 |
| Return on Equity (ROE) | 0.4866% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.4866% | 4,995 |
| Net charge-offs to loans | 0.0013% | 3,075 |
| Credit loss provision to net charge-offs | 7,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 357 |
| Efficiency ratio | 92.0257% | 544 |
| Assets per employee ($millions) | 12.9115% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0975% | 6,061 |
| Loan loss allowance to noncurrent loans | 90.2507% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 5,393 |
| Noncurrent loans to loans | 0.1080% | 5,045 |
| Net loans and leases to total assets | 51.4452% | 4,685 |
| Net loans and leases to deposits | 90.2752% | 1,549 |
| Net loans and leases to core deposits | 138.3164% | 180 |
| Total domestic deposits to total assets | 56.9871% | 6,055 |
| Equity capital to assets | 11.5855% | 2,365 |
| Core capital (leverage) ratio | 11.4214% | 2,034 |
| Tier 1 risk-based capital ratio | 16.6548% | 2,419 |
| Total risk-based capital ratio | 16.7395% | 2,856 |
| Memoranda: | ||
| Average total assets | $636,646,500 | 1,112 |
| Average earning assets | $590,908,500 | 1,107 |
| Average equity | $73,977,500 | 1,075 |
| Average total loans | $310,910,500 | 1,479 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5687% | 6,120 |
| Cost of funding earning assets | 0.2327% | 4,979 |
| Net interest margin | 1.3360% | 6,121 |
| Noninterest income to average assets | 0.1360% | 5,735 |
| Noninterest expense to average assets | 1.2605% | 6,084 |
| Loan and lease loss provision to assets | 0.0392% | 3,549 |
| Net operating income to assets | 0.0980% | 5,757 |
| Return on assets (ROA) | 0.0980% | 5,796 |
| Pretax return on assets | 0.1016% | 5,797 |
| Return on Equity (ROE) | 0.8977% | 5,790 |
| Retained earnings to average equity (ytd only) | 0.8977% | 5,163 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1275% | 897 |
| Assets per employee ($millions) | 12.0715% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0864% | 6,112 |
| Loan loss allowance to noncurrent loans | 66.3130% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 5,415 |
| Noncurrent loans to loans | 0.1303% | 4,970 |
| Net loans and leases to total assets | 46.0604% | 5,157 |
| Net loans and leases to deposits | 73.4711% | 3,556 |
| Net loans and leases to core deposits | 111.4001% | 800 |
| Total domestic deposits to total assets | 62.6919% | 6,065 |
| Equity capital to assets | 11.6552% | 2,227 |
| Core capital (leverage) ratio | 11.1060% | 2,304 |
| Tier 1 risk-based capital ratio | 19.3737% | 1,617 |
| Total risk-based capital ratio | 19.4489% | 1,877 |
| Memoranda: | ||
| Average total assets | $636,973,400 | 1,074 |
| Average earning assets | $603,283,200 | 1,038 |
| Average equity | $69,514,200 | 1,095 |
| Average total loans | $326,722,600 | 1,363 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3787% | 6,225 |
| Cost of funding earning assets | 0.1864% | 5,484 |
| Net interest margin | 1.1923% | 6,228 |
| Noninterest income to average assets | 0.1172% | 5,888 |
| Noninterest expense to average assets | 1.0205% | 6,208 |
| Loan and lease loss provision to assets | 0.0521% | 3,154 |
| Net operating income to assets | 0.1735% | 5,727 |
| Return on assets (ROA) | 0.1735% | 5,783 |
| Pretax return on assets | 0.1798% | 5,813 |
| Return on Equity (ROE) | 1.6170% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.6170% | 5,055 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8177% | 1,842 |
| Assets per employee ($millions) | 10.9910% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0969% | 6,197 |
| Loan loss allowance to noncurrent loans | 64.9351% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 5,492 |
| Noncurrent loans to loans | 0.1492% | 5,043 |
| Net loans and leases to total assets | 45.1114% | 5,283 |
| Net loans and leases to deposits | 60.3131% | 4,834 |
| Net loans and leases to core deposits | 92.2322% | 2,238 |
| Total domestic deposits to total assets | 74.7953% | 5,639 |
| Equity capital to assets | 13.0253% | 1,429 |
| Core capital (leverage) ratio | 11.0279% | 2,458 |
| Tier 1 risk-based capital ratio | 22.8348% | 1,078 |
| Total risk-based capital ratio | 22.9234% | 1,215 |
| Memoranda: | ||
| Average total assets | $639,287,000 | 1,079 |
| Average earning assets | $608,665,500 | 1,038 |
| Average equity | $68,602,250 | 1,115 |
| Average total loans | $336,058,250 | 1,334 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9163% | 6,320 |
| Cost of funding earning assets | 0.1042% | 6,117 |
| Net interest margin | 0.8120% | 6,318 |
| Noninterest income to average assets | 0.0749% | 6,102 |
| Noninterest expense to average assets | 0.5950% | 6,321 |
| Loan and lease loss provision to assets | 0.0604% | 2,896 |
| Net operating income to assets | 0.1855% | 5,729 |
| Return on assets (ROA) | 0.1855% | 5,787 |
| Pretax return on assets | 0.1940% | 5,824 |
| Return on Equity (ROE) | 1.8423% | 5,717 |
| Retained earnings to average equity (ytd only) | 1.8423% | 4,776 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7339% | 3,712 |
| Assets per employee ($millions) | 13.6222% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0516% | 6,280 |
| Loan loss allowance to noncurrent loans | 54.6448% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,643 |
| Noncurrent loans to loans | 0.0945% | 5,363 |
| Net loans and leases to total assets | 56.8312% | 4,241 |
| Net loans and leases to deposits | 83.2805% | 2,402 |
| Net loans and leases to core deposits | 129.7492% | 277 |
| Total domestic deposits to total assets | 68.2407% | 6,105 |
| Equity capital to assets | 10.7871% | 3,127 |
| Core capital (leverage) ratio | 9.9603% | 3,665 |
| Tier 1 risk-based capital ratio | 15.6307% | 3,039 |
| Total risk-based capital ratio | 15.6794% | 3,601 |
| Memoranda: | ||
| Average total assets | $661,872,000 | 1,048 |
| Average earning assets | $631,260,670 | 1,013 |
| Average equity | $66,655,000 | 1,150 |
| Average total loans | $362,052,330 | 1,265 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1498% | 6,319 |
| Cost of funding earning assets | 0.5971% | 1,458 |
| Net interest margin | 1.5527% | 6,337 |
| Noninterest income to average assets | 0.2159% | 5,410 |
| Noninterest expense to average assets | 1.4583% | 6,202 |
| Loan and lease loss provision to assets | -0.4011% | 6,334 |
| Net operating income to assets | 0.6556% | 4,022 |
| Return on assets (ROA) | 0.8629% | 3,059 |
| Pretax return on assets | 0.8537% | 4,044 |
| Return on Equity (ROE) | 8.8985% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.8985% | 1,233 |
| Net charge-offs to loans | -0.7486% | 6,294 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6012% | 1,216 |
| Assets per employee ($millions) | 14.5040% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 6,197 |
| Loan loss allowance to noncurrent loans | 179.2829% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 3,906 |
| Noncurrent loans to loans | 0.2565% | 4,868 |
| Net loans and leases to total assets | 58.4094% | 3,885 |
| Net loans and leases to deposits | 90.2250% | 1,365 |
| Net loans and leases to core deposits | 138.0103% | 167 |
| Total domestic deposits to total assets | 64.7375% | 6,263 |
| Equity capital to assets | 9.6118% | 4,621 |
| Core capital (leverage) ratio | 10.8025% | 2,623 |
| Tier 1 risk-based capital ratio | 15.4180% | 3,188 |
| Total risk-based capital ratio | 15.8488% | 3,587 |
| Memoranda: | ||
| Average total assets | $652,254,000 | 1,063 |
| Average earning assets | $624,979,000 | 1,024 |
| Average equity | $63,246,500 | 1,204 |
| Average total loans | $349,437,500 | 1,297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4247% | 6,345 |
| Cost of funding earning assets | 0.8838% | 430 |
| Net interest margin | 1.5409% | 6,427 |
| Noninterest income to average assets | 0.0131% | 6,370 |
| Noninterest expense to average assets | 1.8101% | 6,055 |
| Loan and lease loss provision to assets | -0.0927% | 6,132 |
| Net operating income to assets | -0.2461% | 6,221 |
| Return on assets (ROA) | -1.1301% | 6,396 |
| Pretax return on assets | -1.1376% | 6,387 |
| Return on Equity (ROE) | -10.5633% | 6,370 |
| Retained earnings to average equity (ytd only) | -10.5633% | 6,326 |
| Net charge-offs to loans | -0.0769% | 6,048 |
| Credit loss provision to net charge-offs | 274.6269% | 928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9181% | 114 |
| Assets per employee ($millions) | 13.2776% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5856% | 6,160 |
| Loan loss allowance to noncurrent loans | 80.5009% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 3,350 |
| Noncurrent loans to loans | 0.7274% | 3,503 |
| Net loans and leases to total assets | 47.9469% | 5,162 |
| Net loans and leases to deposits | 68.2184% | 4,106 |
| Net loans and leases to core deposits | 108.3429% | 869 |
| Total domestic deposits to total assets | 70.2844% | 6,183 |
| Equity capital to assets | 9.7854% | 4,376 |
| Core capital (leverage) ratio | 10.4051% | 3,057 |
| Tier 1 risk-based capital ratio | 18.6733% | 1,939 |
| Total risk-based capital ratio | 19.2066% | 2,117 |
| Memoranda: | ||
| Average total assets | $595,279,800 | 1,115 |
| Average earning assets | $563,812,200 | 1,077 |
| Average equity | $63,683,000 | 1,147 |
| Average total loans | $261,271,800 | 1,623 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4639% | 6,416 |
| Cost of funding earning assets | 0.9375% | 325 |
| Net interest margin | 1.5264% | 6,511 |
| Noninterest income to average assets | -0.0616% | 6,515 |
| Noninterest expense to average assets | 1.7119% | 6,201 |
| Loan and lease loss provision to assets | -0.0661% | 6,219 |
| Net operating income to assets | -0.2630% | 6,296 |
| Return on assets (ROA) | -0.7447% | 6,428 |
| Pretax return on assets | -0.7531% | 6,413 |
| Return on Equity (ROE) | -6.8027% | 6,403 |
| Retained earnings to average equity (ytd only) | -6.8027% | 6,317 |
| Net charge-offs to loans | -0.0128% | 5,487 |
| Credit loss provision to net charge-offs | 1,208.3333% | 283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.1197% | 114 |
| Assets per employee ($millions) | 13.3181% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 6,128 |
| Loan loss allowance to noncurrent loans | 83.7406% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 2,087 |
| Noncurrent loans to loans | 0.8125% | 3,548 |
| Net loans and leases to total assets | 43.9598% | 5,523 |
| Net loans and leases to deposits | 62.2333% | 4,718 |
| Net loans and leases to core deposits | 96.2264% | 1,660 |
| Total domestic deposits to total assets | 70.6370% | 6,248 |
| Equity capital to assets | 10.1703% | 3,966 |
| Core capital (leverage) ratio | 10.8510% | 2,634 |
| Tier 1 risk-based capital ratio | 20.1541% | 1,633 |
| Total risk-based capital ratio | 20.7255% | 1,757 |
| Memoranda: | ||
| Average total assets | $584,768,250 | 1,140 |
| Average earning assets | $551,967,250 | 1,103 |
| Average equity | $64,012,500 | 1,152 |
| Average total loans | $249,745,250 | 1,703 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4730% | 6,482 |
| Cost of funding earning assets | 0.9528% | 313 |
| Net interest margin | 1.5203% | 6,582 |
| Noninterest income to average assets | -0.0855% | 6,598 |
| Noninterest expense to average assets | 1.7298% | 6,240 |
| Loan and lease loss provision to assets | -0.1016% | 6,378 |
| Net operating income to assets | -0.2786% | 6,361 |
| Return on assets (ROA) | -0.7176% | 6,488 |
| Pretax return on assets | -0.7327% | 6,476 |
| Return on Equity (ROE) | -6.3902% | 6,468 |
| Retained earnings to average equity (ytd only) | -6.3902% | 6,318 |
| Net charge-offs to loans | 0.0058% | 4,179 |
| Credit loss provision to net charge-offs | -4,142.8571% | 5,896 |
| Earnings coverage of net charge-offs (x) | -157.5714% | 4,368 |
| Efficiency ratio | 128.7539% | 106 |
| Assets per employee ($millions) | 12.6102% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 6,286 |
| Loan loss allowance to noncurrent loans | 79.7419% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 2,040 |
| Noncurrent loans to loans | 0.7764% | 3,758 |
| Net loans and leases to total assets | 50.2127% | 4,940 |
| Net loans and leases to deposits | 77.6712% | 2,843 |
| Net loans and leases to core deposits | 111.9327% | 605 |
| Total domestic deposits to total assets | 64.6478% | 6,503 |
| Equity capital to assets | 10.8962% | 2,982 |
| Core capital (leverage) ratio | 12.0114% | 1,644 |
| Tier 1 risk-based capital ratio | 18.9344% | 1,937 |
| Total risk-based capital ratio | 19.4529% | 2,132 |
| Memoranda: | ||
| Average total assets | $571,040,330 | 1,158 |
| Average earning assets | $536,746,670 | 1,130 |
| Average equity | $64,129,670 | 1,144 |
| Average total loans | $240,643,000 | 1,754 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4019% | 6,573 |
| Cost of funding earning assets | 0.9835% | 294 |
| Net interest margin | 1.4184% | 6,666 |
| Noninterest income to average assets | -0.1971% | 6,686 |
| Noninterest expense to average assets | 1.7307% | 6,307 |
| Loan and lease loss provision to assets | -0.1714% | 6,547 |
| Net operating income to assets | -0.3903% | 6,430 |
| Return on assets (ROA) | -0.3734% | 6,425 |
| Pretax return on assets | -0.4106% | 6,433 |
| Return on Equity (ROE) | -3.2736% | 6,415 |
| Retained earnings to average equity (ytd only) | -3.2736% | 5,989 |
| Net charge-offs to loans | 0.0227% | 3,118 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | -70.0833% | 3,645 |
| Efficiency ratio | 153.1270% | 57 |
| Assets per employee ($millions) | 11.7512% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 5,930 |
| Loan loss allowance to noncurrent loans | 80.0928% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7398% | 2,027 |
| Noncurrent loans to loans | 1.0976% | 3,225 |
| Net loans and leases to total assets | 38.7686% | 5,890 |
| Net loans and leases to deposits | 55.8529% | 5,127 |
| Net loans and leases to core deposits | 80.4630% | 2,913 |
| Total domestic deposits to total assets | 69.4120% | 6,469 |
| Equity capital to assets | 11.6115% | 2,160 |
| Core capital (leverage) ratio | 12.1936% | 1,537 |
| Tier 1 risk-based capital ratio | 23.3023% | 1,098 |
| Total risk-based capital ratio | 23.9415% | 1,164 |
| Memoranda: | ||
| Average total assets | $560,220,000 | 1,195 |
| Average earning assets | $524,254,000 | 1,168 |
| Average equity | $63,904,500 | 1,148 |
| Average total loans | $211,237,000 | 1,969 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7165% | 6,540 |
| Cost of funding earning assets | 1.1393% | 232 |
| Net interest margin | 1.5772% | 6,712 |
| Noninterest income to average assets | 0.0568% | 6,527 |
| Noninterest expense to average assets | 1.7346% | 6,407 |
| Loan and lease loss provision to assets | -0.0750% | 6,442 |
| Net operating income to assets | -0.1329% | 6,324 |
| Return on assets (ROA) | 0.0582% | 6,166 |
| Pretax return on assets | 0.0532% | 6,150 |
| Return on Equity (ROE) | 0.5573% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.5573% | 5,592 |
| Net charge-offs to loans | 0.2490% | 2,475 |
| Credit loss provision to net charge-offs | -72.5581% | 5,833 |
| Earnings coverage of net charge-offs (x) | -2.0589% | 5,327 |
| Efficiency ratio | 113.9952% | 229 |
| Assets per employee ($millions) | 12.0880% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,372 |
| Loan loss allowance to noncurrent loans | 73.6644% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 2,143 |
| Noncurrent loans to loans | 1.4144% | 2,771 |
| Net loans and leases to total assets | 35.9603% | 6,203 |
| Net loans and leases to deposits | 49.5234% | 5,800 |
| Net loans and leases to core deposits | 73.2962% | 3,917 |
| Total domestic deposits to total assets | 72.6127% | 6,377 |
| Equity capital to assets | 11.2083% | 2,422 |
| Core capital (leverage) ratio | 11.7368% | 1,802 |
| Tier 1 risk-based capital ratio | 23.7844% | 979 |
| Total risk-based capital ratio | 24.5178% | 1,036 |
| Memoranda: | ||
| Average total assets | $623,587,800 | 1,067 |
| Average earning assets | $579,208,000 | 1,055 |
| Average equity | $65,133,400 | 1,100 |
| Average total loans | $259,065,800 | 1,601 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7748% | 6,584 |
| Cost of funding earning assets | 1.1647% | 229 |
| Net interest margin | 1.6101% | 6,795 |
| Noninterest income to average assets | 0.0588% | 6,608 |
| Noninterest expense to average assets | 1.7413% | 6,423 |
| Loan and lease loss provision to assets | -0.0728% | 6,582 |
| Net operating income to assets | -0.1063% | 6,387 |
| Return on assets (ROA) | 0.0462% | 6,281 |
| Pretax return on assets | 0.0385% | 6,276 |
| Return on Equity (ROE) | 0.4499% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.4499% | 5,790 |
| Net charge-offs to loans | 0.1347% | 3,195 |
| Credit loss provision to net charge-offs | -126.5455% | 5,818 |
| Earnings coverage of net charge-offs (x) | -3.2473% | 5,109 |
| Efficiency ratio | 112.0156% | 239 |
| Assets per employee ($millions) | 11.8382% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,466 |
| Loan loss allowance to noncurrent loans | 78.0207% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 2,224 |
| Noncurrent loans to loans | 1.6484% | 2,708 |
| Net loans and leases to total assets | 34.9446% | 6,322 |
| Net loans and leases to deposits | 49.2627% | 5,884 |
| Net loans and leases to core deposits | 71.2495% | 4,186 |
| Total domestic deposits to total assets | 70.9352% | 6,551 |
| Equity capital to assets | 11.0422% | 2,721 |
| Core capital (leverage) ratio | 11.4035% | 2,122 |
| Tier 1 risk-based capital ratio | 23.1612% | 1,116 |
| Total risk-based capital ratio | 24.0400% | 1,160 |
| Memoranda: | ||
| Average total assets | $637,451,000 | 1,059 |
| Average earning assets | $592,175,000 | 1,041 |
| Average equity | $65,497,250 | 1,106 |
| Average total loans | $272,218,750 | 1,549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7483% | 6,632 |
| Cost of funding earning assets | 1.1573% | 247 |
| Net interest margin | 1.5910% | 6,844 |
| Noninterest income to average assets | 0.0554% | 6,655 |
| Noninterest expense to average assets | 1.7274% | 6,471 |
| Loan and lease loss provision to assets | -0.0481% | 6,645 |
| Net operating income to assets | -0.1289% | 6,436 |
| Return on assets (ROA) | 0.0311% | 6,336 |
| Pretax return on assets | 0.0180% | 6,334 |
| Return on Equity (ROE) | 0.3092% | 6,340 |
| Retained earnings to average equity (ytd only) | 0.3092% | 5,770 |
| Net charge-offs to loans | 0.0693% | 3,720 |
| Credit loss provision to net charge-offs | -154.9020% | 5,680 |
| Earnings coverage of net charge-offs (x) | -6.1176% | 4,839 |
| Efficiency ratio | 112.3638% | 249 |
| Assets per employee ($millions) | 12.4504% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,489 |
| Loan loss allowance to noncurrent loans | 83.4676% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.9410% | 2,235 |
| Noncurrent loans to loans | 1.3041% | 3,375 |
| Net loans and leases to total assets | 42.9895% | 5,823 |
| Net loans and leases to deposits | 66.5580% | 4,200 |
| Net loans and leases to core deposits | 96.2800% | 1,329 |
| Total domestic deposits to total assets | 64.5896% | 6,786 |
| Equity capital to assets | 10.1724% | 3,695 |
| Core capital (leverage) ratio | 11.1829% | 2,187 |
| Tier 1 risk-based capital ratio | 18.1624% | 2,268 |
| Total risk-based capital ratio | 18.9475% | 2,404 |
| Memoranda: | ||
| Average total assets | $656,577,000 | 1,023 |
| Average earning assets | $611,575,000 | 1,008 |
| Average equity | $65,978,670 | 1,100 |
| Average total loans | $294,510,000 | 1,433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7715% | 6,695 |
| Cost of funding earning assets | 1.1556% | 280 |
| Net interest margin | 1.6159% | 6,923 |
| Noninterest income to average assets | -0.1432% | 6,934 |
| Noninterest expense to average assets | 1.7010% | 6,559 |
| Loan and lease loss provision to assets | -0.0240% | 6,754 |
| Net operating income to assets | -0.2776% | 6,560 |
| Return on assets (ROA) | -0.2128% | 6,562 |
| Pretax return on assets | -0.2421% | 6,563 |
| Return on Equity (ROE) | -2.1298% | 6,564 |
| Retained earnings to average equity (ytd only) | -2.1298% | 6,089 |
| Net charge-offs to loans | 0.0672% | 3,156 |
| Credit loss provision to net charge-offs | -78.4314% | 5,115 |
| Earnings coverage of net charge-offs (x) | -11.1176% | 4,104 |
| Efficiency ratio | 124.9670% | 180 |
| Assets per employee ($millions) | 12.5470% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 5,024 |
| Loan loss allowance to noncurrent loans | 85.9426% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 2,408 |
| Noncurrent loans to loans | 1.4368% | 3,411 |
| Net loans and leases to total assets | 38.8983% | 6,089 |
| Net loans and leases to deposits | 60.0789% | 4,786 |
| Net loans and leases to core deposits | 83.1294% | 2,444 |
| Total domestic deposits to total assets | 64.7453% | 6,869 |
| Equity capital to assets | 10.3250% | 3,764 |
| Core capital (leverage) ratio | 10.8449% | 2,408 |
| Tier 1 risk-based capital ratio | 18.7778% | 2,104 |
| Total risk-based capital ratio | 19.6409% | 2,198 |
| Memoranda: | ||
| Average total assets | $667,380,000 | 1,008 |
| Average earning assets | $621,315,500 | 1,005 |
| Average equity | $66,672,000 | 1,100 |
| Average total loans | $303,777,500 | 1,395 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 6,564 |
| Cost of funding earning assets | 1.4261% | 231 |
| Net interest margin | 1.8984% | 6,945 |
| Noninterest income to average assets | 1.0555% | 1,389 |
| Noninterest expense to average assets | 1.9156% | 6,476 |
| Loan and lease loss provision to assets | 0.0770% | 4,751 |
| Net operating income to assets | 0.7847% | 3,349 |
| Return on assets (ROA) | 0.6260% | 4,373 |
| Pretax return on assets | 0.6549% | 4,809 |
| Return on Equity (ROE) | 6.8846% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.8846% | 1,624 |
| Net charge-offs to loans | 0.7409% | 1,586 |
| Credit loss provision to net charge-offs | 20.6505% | 5,278 |
| Earnings coverage of net charge-offs (x) | 2.4075% | 4,206 |
| Efficiency ratio | 68.1030% | 4,124 |
| Assets per employee ($millions) | 12.1842% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 6,191 |
| Loan loss allowance to noncurrent loans | 62.1596% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 2,307 |
| Noncurrent loans to loans | 1.4977% | 3,357 |
| Net loans and leases to total assets | 50.9043% | 5,050 |
| Net loans and leases to deposits | 80.4350% | 2,226 |
| Net loans and leases to core deposits | 112.8677% | 441 |
| Total domestic deposits to total assets | 63.2863% | 6,940 |
| Equity capital to assets | 9.6698% | 4,636 |
| Core capital (leverage) ratio | 10.2171% | 3,116 |
| Tier 1 risk-based capital ratio | 21.3776% | 1,384 |
| Total risk-based capital ratio | 22.3832% | 1,399 |
| Memoranda: | ||
| Average total assets | $684,794,800 | 957 |
| Average earning assets | $633,916,800 | 947 |
| Average equity | $62,269,800 | 1,145 |
| Average total loans | $344,432,000 | 1,224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 6,592 |
| Cost of funding earning assets | 1.4967% | 205 |
| Net interest margin | 1.9318% | 7,053 |
| Noninterest income to average assets | 1.3173% | 850 |
| Noninterest expense to average assets | 1.9172% | 6,493 |
| Loan and lease loss provision to assets | 0.1599% | 3,517 |
| Net operating income to assets | 1.0126% | 2,438 |
| Return on assets (ROA) | 0.9635% | 2,902 |
| Pretax return on assets | 0.9757% | 3,804 |
| Return on Equity (ROE) | 10.7655% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.7655% | 730 |
| Net charge-offs to loans | 0.9842% | 1,078 |
| Credit loss provision to net charge-offs | 32.4773% | 4,759 |
| Earnings coverage of net charge-offs (x) | 2.4074% | 4,077 |
| Efficiency ratio | 61.7970% | 5,187 |
| Assets per employee ($millions) | 11.9108% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 5,849 |
| Loan loss allowance to noncurrent loans | 73.2706% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.1780% | 2,460 |
| Noncurrent loans to loans | 1.4488% | 3,631 |
| Net loans and leases to total assets | 49.1453% | 5,422 |
| Net loans and leases to deposits | 71.7484% | 3,649 |
| Net loans and leases to core deposits | 113.3185% | 450 |
| Total domestic deposits to total assets | 68.4967% | 6,907 |
| Equity capital to assets | 9.3984% | 5,337 |
| Core capital (leverage) ratio | 10.1074% | 3,400 |
| Tier 1 risk-based capital ratio | 20.6765% | 1,602 |
| Total risk-based capital ratio | 21.7331% | 1,607 |
| Memoranda: | ||
| Average total assets | $685,414,250 | 965 |
| Average earning assets | $633,376,750 | 957 |
| Average equity | $61,342,500 | 1,174 |
| Average total loans | $342,891,750 | 1,240 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 6,665 |
| Cost of funding earning assets | 1.5871% | 163 |
| Net interest margin | 1.8660% | 7,139 |
| Noninterest income to average assets | 1.8572% | 444 |
| Noninterest expense to average assets | 1.9055% | 6,584 |
| Loan and lease loss provision to assets | 0.2769% | 2,373 |
| Net operating income to assets | 1.4107% | 1,168 |
| Return on assets (ROA) | 1.6967% | 763 |
| Pretax return on assets | 1.6871% | 1,297 |
| Return on Equity (ROE) | 19.2760% | 397 |
| Retained earnings to average equity (ytd only) | 19.2760% | 118 |
| Net charge-offs to loans | 1.4212% | 715 |
| Credit loss provision to net charge-offs | 38.8571% | 4,292 |
| Earnings coverage of net charge-offs (x) | 2.3547% | 3,828 |
| Efficiency ratio | 53.1737% | 6,400 |
| Assets per employee ($millions) | 12.4087% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 5,562 |
| Loan loss allowance to noncurrent loans | 56.4641% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.0100% | 2,765 |
| Noncurrent loans to loans | 2.0403% | 2,903 |
| Net loans and leases to total assets | 47.6607% | 5,648 |
| Net loans and leases to deposits | 82.4520% | 2,054 |
| Net loans and leases to core deposits | 115.5560% | 407 |
| Total domestic deposits to total assets | 57.8042% | 7,148 |
| Equity capital to assets | 9.2989% | 5,319 |
| Core capital (leverage) ratio | 10.6757% | 2,633 |
| Tier 1 risk-based capital ratio | 20.4411% | 1,592 |
| Total risk-based capital ratio | 21.5335% | 1,607 |
| Memoranda: | ||
| Average total assets | $687,580,330 | 961 |
| Average earning assets | $636,113,330 | 949 |
| Average equity | $60,521,000 | 1,180 |
| Average total loans | $344,777,330 | 1,220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 6,580 |
| Cost of funding earning assets | 1.6634% | 142 |
| Net interest margin | 1.9320% | 7,179 |
| Noninterest income to average assets | 2.9287% | 253 |
| Noninterest expense to average assets | 2.0524% | 6,375 |
| Loan and lease loss provision to assets | 0.5373% | 1,104 |
| Net operating income to assets | 2.1463% | 319 |
| Return on assets (ROA) | 3.0672% | 119 |
| Pretax return on assets | 3.0487% | 176 |
| Return on Equity (ROE) | 35.8476% | 63 |
| Retained earnings to average equity (ytd only) | 35.8476% | 43 |
| Net charge-offs to loans | 2.8834% | 257 |
| Credit loss provision to net charge-offs | 36.4673% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.8088% | 3,434 |
| Efficiency ratio | 43.5066% | 7,008 |
| Assets per employee ($millions) | 11.4836% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,507 |
| Loan loss allowance to noncurrent loans | 46.7073% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.3875% | 2,490 |
| Noncurrent loans to loans | 2.5582% | 2,550 |
| Net loans and leases to total assets | 45.6141% | 5,829 |
| Net loans and leases to deposits | 72.7075% | 3,321 |
| Net loans and leases to core deposits | 108.2125% | 602 |
| Total domestic deposits to total assets | 62.7364% | 7,158 |
| Equity capital to assets | 9.3631% | 5,010 |
| Core capital (leverage) ratio | 9.8576% | 3,558 |
| Tier 1 risk-based capital ratio | 20.1707% | 1,665 |
| Total risk-based capital ratio | 21.2235% | 1,690 |
| Memoranda: | ||
| Average total assets | $690,131,500 | 958 |
| Average earning assets | $638,914,000 | 945 |
| Average equity | $59,050,000 | 1,203 |
| Average total loans | $352,633,500 | 1,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1513% | 7,140 |
| Cost of funding earning assets | 2.0653% | 74 |
| Net interest margin | 1.0860% | 7,315 |
| Noninterest income to average assets | 0.4193% | 4,456 |
| Noninterest expense to average assets | 2.0360% | 6,612 |
| Loan and lease loss provision to assets | 0.1711% | 4,495 |
| Net operating income to assets | -0.7508% | 6,630 |
| Return on assets (ROA) | -1.6885% | 6,974 |
| Pretax return on assets | -1.7370% | 6,953 |
| Return on Equity (ROE) | -21.6764% | 7,005 |
| Retained earnings to average equity (ytd only) | -21.6764% | 6,991 |
| Net charge-offs to loans | 1.3950% | 1,174 |
| Credit loss provision to net charge-offs | 30.6726% | 5,774 |
| Earnings coverage of net charge-offs (x) | -1.0742% | 6,202 |
| Efficiency ratio | 141.6945% | 169 |
| Assets per employee ($millions) | 12.1053% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,759 |
| Loan loss allowance to noncurrent loans | 49.7133% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5688% | 2,361 |
| Noncurrent loans to loans | 2.6746% | 2,432 |
| Net loans and leases to total assets | 54.9544% | 4,888 |
| Net loans and leases to deposits | 83.3527% | 2,017 |
| Net loans and leases to core deposits | 119.3671% | 368 |
| Total domestic deposits to total assets | 65.9300% | 7,132 |
| Equity capital to assets | 7.8040% | 6,686 |
| Core capital (leverage) ratio | 9.0558% | 4,686 |
| Tier 1 risk-based capital ratio | 14.0825% | 4,270 |
| Total risk-based capital ratio | 15.2266% | 4,295 |
| Memoranda: | ||
| Average total assets | $770,483,800 | 853 |
| Average earning assets | $721,922,400 | 825 |
| Average equity | $60,019,200 | 1,122 |
| Average total loans | $308,025,000 | 1,382 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0724% | 7,240 |
| Cost of funding earning assets | 2.1308% | 70 |
| Net interest margin | 0.9416% | 7,397 |
| Noninterest income to average assets | 0.4614% | 4,209 |
| Noninterest expense to average assets | 2.0339% | 6,623 |
| Loan and lease loss provision to assets | 0.1747% | 4,289 |
| Net operating income to assets | -0.8249% | 6,808 |
| Return on assets (ROA) | -1.4121% | 7,036 |
| Pretax return on assets | -1.4755% | 7,013 |
| Return on Equity (ROE) | -18.1346% | 7,071 |
| Retained earnings to average equity (ytd only) | -18.1346% | 7,054 |
| Net charge-offs to loans | 1.1709% | 1,342 |
| Credit loss provision to net charge-offs | 40.9888% | 5,219 |
| Earnings coverage of net charge-offs (x) | -1.6168% | 5,997 |
| Efficiency ratio | 151.2448% | 134 |
| Assets per employee ($millions) | 12.1477% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,706 |
| Loan loss allowance to noncurrent loans | 53.0147% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 2,399 |
| Noncurrent loans to loans | 4.3223% | 1,515 |
| Net loans and leases to total assets | 40.3847% | 6,602 |
| Net loans and leases to deposits | 66.5438% | 4,821 |
| Net loans and leases to core deposits | 88.4768% | 2,427 |
| Total domestic deposits to total assets | 60.6888% | 7,289 |
| Equity capital to assets | 8.2217% | 6,547 |
| Core capital (leverage) ratio | 9.1266% | 4,753 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,889 |
| Total risk-based capital ratio | 15.8725% | 3,864 |
| Memoranda: | ||
| Average total assets | $784,551,250 | 843 |
| Average earning assets | $736,029,000 | 814 |
| Average equity | $61,089,750 | 1,108 |
| Average total loans | $285,586,000 | 1,510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9768% | 7,343 |
| Cost of funding earning assets | 2.1556% | 81 |
| Net interest margin | 0.8213% | 7,476 |
| Noninterest income to average assets | 0.4767% | 4,054 |
| Noninterest expense to average assets | 2.0174% | 6,753 |
| Loan and lease loss provision to assets | 0.2094% | 3,824 |
| Net operating income to assets | -0.9170% | 6,916 |
| Return on assets (ROA) | -1.4059% | 7,081 |
| Pretax return on assets | -1.4983% | 7,072 |
| Return on Equity (ROE) | -18.3592% | 7,134 |
| Retained earnings to average equity (ytd only) | -18.3592% | 7,115 |
| Net charge-offs to loans | 1.2509% | 1,245 |
| Credit loss provision to net charge-offs | 47.9025% | 4,636 |
| Earnings coverage of net charge-offs (x) | -1.7591% | 5,701 |
| Efficiency ratio | 161.5797% | 117 |
| Assets per employee ($millions) | 12.9088% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9531% | 933 |
| Loan loss allowance to noncurrent loans | 44.6829% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.4809% | 2,691 |
| Noncurrent loans to loans | 6.6091% | 829 |
| Net loans and leases to total assets | 31.7096% | 7,122 |
| Net loans and leases to deposits | 52.1192% | 6,463 |
| Net loans and leases to core deposits | 78.5299% | 3,989 |
| Total domestic deposits to total assets | 60.8405% | 7,367 |
| Equity capital to assets | 8.1248% | 6,580 |
| Core capital (leverage) ratio | 9.1060% | 4,555 |
| Tier 1 risk-based capital ratio | 15.2951% | 3,351 |
| Total risk-based capital ratio | 16.5489% | 3,306 |
| Memoranda: | ||
| Average total assets | $807,163,330 | 832 |
| Average earning assets | $758,597,670 | 801 |
| Average equity | $61,811,000 | 1,095 |
| Average total loans | $282,037,670 | 1,541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 7,426 |
| Cost of funding earning assets | 2.2030% | 87 |
| Net interest margin | 0.6684% | 7,542 |
| Noninterest income to average assets | 0.4709% | 4,112 |
| Noninterest expense to average assets | 2.1876% | 6,448 |
| Loan and lease loss provision to assets | 0.2988% | 2,766 |
| Net operating income to assets | -1.2829% | 7,130 |
| Return on assets (ROA) | -2.2233% | 7,312 |
| Pretax return on assets | -2.4016% | 7,308 |
| Return on Equity (ROE) | -29.8690% | 7,319 |
| Retained earnings to average equity (ytd only) | -29.8690% | 7,293 |
| Net charge-offs to loans | 1.5497% | 875 |
| Credit loss provision to net charge-offs | 53.5869% | 3,675 |
| Earnings coverage of net charge-offs (x) | -1.9576% | 4,954 |
| Efficiency ratio | 199.6042% | 68 |
| Assets per employee ($millions) | 13.3229% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9898% | 924 |
| Loan loss allowance to noncurrent loans | 46.7752% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.2141% | 2,138 |
| Noncurrent loans to loans | 6.3918% | 953 |
| Net loans and leases to total assets | 31.3806% | 7,190 |
| Net loans and leases to deposits | 51.7045% | 6,498 |
| Net loans and leases to core deposits | 77.5070% | 4,086 |
| Total domestic deposits to total assets | 60.6923% | 7,427 |
| Equity capital to assets | 7.5516% | 6,842 |
| Core capital (leverage) ratio | 8.6329% | 5,202 |
| Tier 1 risk-based capital ratio | 14.8045% | 3,540 |
| Total risk-based capital ratio | 16.0584% | 3,504 |
| Memoranda: | ||
| Average total assets | $829,936,000 | 808 |
| Average earning assets | $776,229,000 | 783 |
| Average equity | $61,776,500 | 1,087 |
| Average total loans | $298,629,000 | 1,467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 7,413 |
| Cost of funding earning assets | 2.5634% | 86 |
| Net interest margin | 0.8492% | 7,590 |
| Noninterest income to average assets | 0.1450% | 6,665 |
| Noninterest expense to average assets | 2.0621% | 6,923 |
| Loan and lease loss provision to assets | 0.8372% | 1,961 |
| Net operating income to assets | 0.6175% | 3,594 |
| Return on assets (ROA) | 3.3318% | 62 |
| Pretax return on assets | 0.1390% | 5,623 |
| Return on Equity (ROE) | 82.6546% | 4 |
| Retained earnings to average equity (ytd only) | 82.6546% | 2 |
| Net charge-offs to loans | 2.2430% | 866 |
| Credit loss provision to net charge-offs | 100.4269% | 4,534 |
| Earnings coverage of net charge-offs (x) | -1.3733% | 6,660 |
| Efficiency ratio | 224.8060% | 69 |
| Assets per employee ($millions) | 12.8432% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4413% | 1,494 |
| Loan loss allowance to noncurrent loans | 47.1541% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 3.1959% | 2,216 |
| Noncurrent loans to loans | 5.1772% | 1,283 |
| Net loans and leases to total assets | 38.3976% | 7,056 |
| Net loans and leases to deposits | 61.9782% | 5,849 |
| Net loans and leases to core deposits | 98.2799% | 1,769 |
| Total domestic deposits to total assets | 61.9534% | 7,481 |
| Equity capital to assets | 7.3431% | 6,977 |
| Core capital (leverage) ratio | 8.7458% | 4,951 |
| Tier 1 risk-based capital ratio | 14.4930% | 3,547 |
| Total risk-based capital ratio | 15.7465% | 3,502 |
| Memoranda: | ||
| Average total assets | $899,182,600 | 746 |
| Average earning assets | $817,670,600 | 741 |
| Average equity | $36,246,000 | 1,826 |
| Average total loans | $334,200,600 | 1,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 7,509 |
| Cost of funding earning assets | 2.6370% | 83 |
| Net interest margin | 0.9253% | 7,710 |
| Noninterest income to average assets | 0.0685% | 7,191 |
| Noninterest expense to average assets | 2.0832% | 6,881 |
| Loan and lease loss provision to assets | 0.9459% | 1,584 |
| Net operating income to assets | 1.3007% | 1,338 |
| Return on assets (ROA) | 4.8763% | 31 |
| Pretax return on assets | 0.6580% | 4,395 |
| Return on Equity (ROE) | 150.1788% | 4 |
| Retained earnings to average equity (ytd only) | 150.1788% | 2 |
| Net charge-offs to loans | 2.1376% | 862 |
| Credit loss provision to net charge-offs | 120.7491% | 3,414 |
| Earnings coverage of net charge-offs (x) | -1.5054% | 6,508 |
| Efficiency ratio | 230.4821% | 49 |
| Assets per employee ($millions) | 12.6352% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9804% | 836 |
| Loan loss allowance to noncurrent loans | 68.9543% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 2.7526% | 2,631 |
| Noncurrent loans to loans | 4.3223% | 1,686 |
| Net loans and leases to total assets | 34.3908% | 7,333 |
| Net loans and leases to deposits | 54.1512% | 6,761 |
| Net loans and leases to core deposits | 94.9345% | 2,393 |
| Total domestic deposits to total assets | 63.5088% | 7,531 |
| Equity capital to assets | 7.4815% | 7,138 |
| Core capital (leverage) ratio | 8.5521% | 5,416 |
| Tier 1 risk-based capital ratio | 14.1738% | 3,706 |
| Total risk-based capital ratio | 15.4285% | 3,674 |
| Memoranda: | ||
| Average total assets | $908,854,000 | 743 |
| Average earning assets | $820,471,750 | 739 |
| Average equity | $29,510,750 | 2,234 |
| Average total loans | $333,081,250 | 1,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 7,510 |
| Cost of funding earning assets | 2.7075% | 87 |
| Net interest margin | 1.0414% | 7,776 |
| Noninterest income to average assets | 12.4303% | 55 |
| Noninterest expense to average assets | 13.1932% | 56 |
| Loan and lease loss provision to assets | 0.9298% | 1,574 |
| Net operating income to assets | -0.8367% | 6,879 |
| Return on assets (ROA) | -2.8753% | 7,500 |
| Pretax return on assets | -2.7955% | 7,435 |
| Return on Equity (ROE) | -152.4869% | 7,777 |
| Retained earnings to average equity (ytd only) | -152.4869% | 7,777 |
| Net charge-offs to loans | 1.1496% | 1,655 |
| Credit loss provision to net charge-offs | 218.3914% | 1,784 |
| Earnings coverage of net charge-offs (x) | 0.4063% | 5,322 |
| Efficiency ratio | 98.7060% | 852 |
| Assets per employee ($millions) | 4.4334% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3018% | 641 |
| Loan loss allowance to noncurrent loans | 43.3569% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 3.8201% | 1,817 |
| Noncurrent loans to loans | 7.6154% | 699 |
| Net loans and leases to total assets | 33.8213% | 7,427 |
| Net loans and leases to deposits | 50.0933% | 7,064 |
| Net loans and leases to core deposits | 97.6150% | 2,271 |
| Total domestic deposits to total assets | 67.5167% | 7,446 |
| Equity capital to assets | 2.3142% | 7,779 |
| Core capital (leverage) ratio | 3.4871% | 7,711 |
| Tier 1 risk-based capital ratio | 3.8162% | 7,750 |
| Total risk-based capital ratio | 4.9672% | 7,756 |
| Memoranda: | ||
| Average total assets | $916,985,000 | 729 |
| Average earning assets | $824,086,000 | 737 |
| Average equity | $17,290,670 | 3,586 |
| Average total loans | $339,602,670 | 1,343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 7,547 |
| Cost of funding earning assets | 2.6729% | 132 |
| Net interest margin | 1.1885% | 7,866 |
| Noninterest income to average assets | 11.9852% | 60 |
| Noninterest expense to average assets | 12.7270% | 61 |
| Loan and lease loss provision to assets | 1.0021% | 1,247 |
| Net operating income to assets | -0.8463% | 7,031 |
| Return on assets (ROA) | -4.1975% | 7,735 |
| Pretax return on assets | -4.0369% | 7,694 |
| Return on Equity (ROE) | -250.9549% | 7,897 |
| Retained earnings to average equity (ytd only) | -250.9549% | 7,897 |
| Net charge-offs to loans | 1.1530% | 1,460 |
| Credit loss provision to net charge-offs | 228.3730% | 1,666 |
| Earnings coverage of net charge-offs (x) | 0.7212% | 4,382 |
| Efficiency ratio | 97.5736% | 941 |
| Assets per employee ($millions) | 4.4003% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7626% | 1,026 |
| Loan loss allowance to noncurrent loans | 73.3924% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 2.3950% | 3,037 |
| Noncurrent loans to loans | 3.7641% | 2,109 |
| Net loans and leases to total assets | 35.1297% | 7,460 |
| Net loans and leases to deposits | 51.9815% | 7,042 |
| Net loans and leases to core deposits | 109.8226% | 1,286 |
| Total domestic deposits to total assets | 67.5811% | 7,548 |
| Equity capital to assets | 1.7494% | 7,891 |
| Core capital (leverage) ratio | 4.0935% | 7,771 |
| Tier 1 risk-based capital ratio | 4.0458% | 7,842 |
| Total risk-based capital ratio | 5.0469% | 7,851 |
| Memoranda: | ||
| Average total assets | $918,835,000 | 742 |
| Average earning assets | $818,140,500 | 762 |
| Average equity | $15,368,500 | 3,950 |
| Average total loans | $349,688,000 | 1,354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5173% | 4,055 |
| Cost of funding earning assets | 2.9362% | 276 |
| Net interest margin | 2.5811% | 7,347 |
| Noninterest income to average assets | 11.5191% | 61 |
| Noninterest expense to average assets | 13.2780% | 70 |
| Loan and lease loss provision to assets | 1.3261% | 1,733 |
| Net operating income to assets | -1.9879% | 7,085 |
| Return on assets (ROA) | -6.7911% | 7,877 |
| Pretax return on assets | -5.7478% | 7,781 |
| Return on Equity (ROE) | -131.4419% | 7,978 |
| Retained earnings to average equity (ytd only) | -131.4419% | 7,978 |
| Net charge-offs to loans | 4.1964% | 372 |
| Credit loss provision to net charge-offs | 66.5757% | 6,547 |
| Earnings coverage of net charge-offs (x) | 0.1915% | 5,954 |
| Efficiency ratio | 90.2320% | 1,688 |
| Assets per employee ($millions) | 4.0311% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3239% | 1,442 |
| Loan loss allowance to noncurrent loans | 57.9388% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.8938% | 2,423 |
| Noncurrent loans to loans | 4.0109% | 1,849 |
| Net loans and leases to total assets | 39.2124% | 7,389 |
| Net loans and leases to deposits | 59.8100% | 6,645 |
| Net loans and leases to core deposits | 65.8329% | 6,990 |
| Total domestic deposits to total assets | 65.5616% | 7,658 |
| Equity capital to assets | 1.5896% | 7,974 |
| Core capital (leverage) ratio | 4.4955% | 7,809 |
| Tier 1 risk-based capital ratio | 4.7476% | 7,886 |
| Total risk-based capital ratio | 5.5596% | 7,902 |
| Memoranda: | ||
| Average total assets | $1,085,995,800 | 619 |
| Average earning assets | $900,583,000 | 672 |
| Average equity | $56,109,200 | 1,173 |
| Average total loans | $515,466,400 | 927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9197% | 2,358 |
| Cost of funding earning assets | 2.8947% | 472 |
| Net interest margin | 3.0249% | 6,536 |
| Noninterest income to average assets | 11.1431% | 64 |
| Noninterest expense to average assets | 13.2160% | 74 |
| Loan and lease loss provision to assets | 1.2053% | 1,609 |
| Net operating income to assets | -0.5026% | 6,424 |
| Return on assets (ROA) | -3.3137% | 7,660 |
| Pretax return on assets | -5.1256% | 7,826 |
| Return on Equity (ROE) | -56.5372% | 7,879 |
| Retained earnings to average equity (ytd only) | -56.5372% | 7,876 |
| Net charge-offs to loans | 4.6429% | 264 |
| Credit loss provision to net charge-offs | 53.1056% | 6,268 |
| Earnings coverage of net charge-offs (x) | 0.1782% | 5,845 |
| Efficiency ratio | 88.1203% | 1,864 |
| Assets per employee ($millions) | 4.6954% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 2,207 |
| Loan loss allowance to noncurrent loans | 122.7858% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.9251% | 3,461 |
| Noncurrent loans to loans | 1.4853% | 4,438 |
| Net loans and leases to total assets | 32.4215% | 7,734 |
| Net loans and leases to deposits | 48.5853% | 7,470 |
| Net loans and leases to core deposits | 52.1798% | 7,642 |
| Total domestic deposits to total assets | 66.7312% | 7,649 |
| Equity capital to assets | 5.1201% | 7,941 |
| Core capital (leverage) ratio | 7.9522% | 6,444 |
| Tier 1 risk-based capital ratio | 6.7785% | 7,919 |
| Total risk-based capital ratio | 7.3307% | 7,955 |
| Memoranda: | ||
| Average total assets | $1,136,793,500 | 594 |
| Average earning assets | $931,043,250 | 668 |
| Average equity | $66,628,250 | 1,004 |
| Average total loans | $555,731,750 | 877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8554% | 406 |
| Cost of funding earning assets | 3.0503% | 409 |
| Net interest margin | 3.8051% | 3,537 |
| Noninterest income to average assets | 10.7929% | 71 |
| Noninterest expense to average assets | 13.5175% | 75 |
| Loan and lease loss provision to assets | 1.3456% | 1,286 |
| Net operating income to assets | -0.6332% | 6,691 |
| Return on assets (ROA) | -3.5969% | 7,776 |
| Pretax return on assets | -5.5652% | 7,925 |
| Return on Equity (ROE) | -59.0948% | 7,968 |
| Retained earnings to average equity (ytd only) | -59.0948% | 7,964 |
| Net charge-offs to loans | 5.6165% | 207 |
| Credit loss provision to net charge-offs | 44.6029% | 5,834 |
| Earnings coverage of net charge-offs (x) | 0.1127% | 5,559 |
| Efficiency ratio | 84.6942% | 2,398 |
| Assets per employee ($millions) | 3.8609% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 4,081 |
| Loan loss allowance to noncurrent loans | 78.5695% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.1351% | 3,012 |
| Noncurrent loans to loans | 1.6971% | 3,964 |
| Net loans and leases to total assets | 47.1447% | 7,111 |
| Net loans and leases to deposits | 76.2894% | 5,119 |
| Net loans and leases to core deposits | 82.9311% | 6,166 |
| Total domestic deposits to total assets | 61.7972% | 7,898 |
| Equity capital to assets | 5.6335% | 7,983 |
| Core capital (leverage) ratio | 7.6839% | 6,782 |
| Tier 1 risk-based capital ratio | 11.7149% | 5,182 |
| Total risk-based capital ratio | 12.4381% | 5,609 |
| Memoranda: | ||
| Average total assets | $1,162,006,000 | 594 |
| Average earning assets | $935,851,670 | 676 |
| Average equity | $70,727,000 | 948 |
| Average total loans | $624,164,330 | 788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6040% | 153 |
| Cost of funding earning assets | 2.7892% | 1,006 |
| Net interest margin | 4.8148% | 590 |
| Noninterest income to average assets | 9.7271% | 70 |
| Noninterest expense to average assets | 13.5050% | 75 |
| Loan and lease loss provision to assets | 1.6709% | 742 |
| Net operating income to assets | -1.0344% | 7,275 |
| Return on assets (ROA) | -3.5239% | 7,919 |
| Pretax return on assets | -5.4426% | 8,017 |
| Return on Equity (ROE) | -56.4268% | 8,072 |
| Retained earnings to average equity (ytd only) | -56.4268% | 8,054 |
| Net charge-offs to loans | 7.1460% | 113 |
| Credit loss provision to net charge-offs | 41.9114% | 4,798 |
| Earnings coverage of net charge-offs (x) | 0.0146% | 4,965 |
| Efficiency ratio | 75.9370% | 3,502 |
| Assets per employee ($millions) | 5.1932% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,406 |
| Loan loss allowance to noncurrent loans | 66.4725% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9131% | 4,910 |
| Noncurrent loans to loans | 1.6680% | 3,769 |
| Net loans and leases to total assets | 52.1781% | 6,667 |
| Net loans and leases to deposits | 100.2223% | 1,385 |
| Net loans and leases to core deposits | 109.6847% | 3,479 |
| Total domestic deposits to total assets | 52.0624% | 8,084 |
| Equity capital to assets | 5.6316% | 8,054 |
| Core capital (leverage) ratio | 7.5777% | 7,054 |
| Tier 1 risk-based capital ratio | 9.4887% | 7,431 |
| Total risk-based capital ratio | 10.2728% | 7,810 |
| Memoranda: | ||
| Average total assets | $1,291,283,000 | 548 |
| Average earning assets | $1,028,833,000 | 609 |
| Average equity | $80,642,500 | 818 |
| Average total loans | $720,403,500 | 690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1154% | 889 |
| Cost of funding earning assets | 3.5257% | 481 |
| Net interest margin | 3.5896% | 4,937 |
| Noninterest income to average assets | 9.3331% | 81 |
| Noninterest expense to average assets | 10.2673% | 133 |
| Loan and lease loss provision to assets | 1.7826% | 708 |
| Net operating income to assets | 0.2620% | 5,674 |
| Return on assets (ROA) | -2.2321% | 7,613 |
| Pretax return on assets | -3.4694% | 7,803 |
| Return on Equity (ROE) | -31.5568% | 7,982 |
| Retained earnings to average equity (ytd only) | -31.5568% | 7,938 |
| Net charge-offs to loans | 2.5025% | 381 |
| Credit loss provision to net charge-offs | 123.9739% | 4,326 |
| Earnings coverage of net charge-offs (x) | 1.5371% | 5,332 |
| Efficiency ratio | 78.9071% | 2,769 |
| Assets per employee ($millions) | 4.6089% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 1,002 |
| Loan loss allowance to noncurrent loans | 192.6987% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 5,206 |
| Noncurrent loans to loans | 1.1145% | 4,319 |
| Net loans and leases to total assets | 57.9160% | 6,208 |
| Net loans and leases to deposits | 133.1648% | 172 |
| Net loans and leases to core deposits | 146.5850% | 991 |
| Total domestic deposits to total assets | 43.4920% | 8,171 |
| Equity capital to assets | 6.9338% | 7,766 |
| Core capital (leverage) ratio | 6.4364% | 7,956 |
| Tier 1 risk-based capital ratio | 7.3186% | 8,148 |
| Total risk-based capital ratio | 8.5701% | 8,167 |
| Memoranda: | ||
| Average total assets | $1,343,720,200 | 510 |
| Average earning assets | $1,177,055,600 | 524 |
| Average equity | $95,044,600 | 704 |
| Average total loans | $772,081,200 | 617 |