Home > Department Stores National Bank > Performance and Condition Ratios
Department Stores National Bank, Performance and Condition Ratios
| 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 | 1.8079% | 4,662 |
| Cost of funding earning assets | 0.1807% | 3,173 |
| Net interest margin | 1.6272% | 4,669 |
| Noninterest income to average assets | 0.0127% | 4,714 |
| Noninterest expense to average assets | 0.4335% | 4,757 |
| Loan and lease loss provision to assets | 0.0141% | 2,343 |
| Net operating income to assets | 0.8781% | 2,677 |
| Return on assets (ROA) | 0.8781% | 2,656 |
| Pretax return on assets | 1.1120% | 2,362 |
| Return on Equity (ROE) | 1.3910% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.3910% | 3,904 |
| Net charge-offs to loans | -0.4129% | 4,677 |
| Credit loss provision to net charge-offs | -58.6207% | 3,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7705% | 4,731 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7191% | 45 |
| Loan loss allowance to noncurrent loans | 435.7995% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,398 |
| Noncurrent loans to loans | 1.0829% | 764 |
| Net loans and leases to total assets | 5.1408% | 4,726 |
| Net loans and leases to deposits | 14.7349% | 4,699 |
| Net loans and leases to core deposits | 17,725.0000% | 3 |
| Total domestic deposits to total assets | 34.8883% | 4,740 |
| Equity capital to assets | 63.9793% | 35 |
| Core capital (leverage) ratio | 62.5901% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 250.9930% | 14 |
| Memoranda: | ||
| Average total assets | $724,308,667 | 1,287 |
| Average earning assets | $688,542,667 | 1,267 |
| Average equity | $457,239,333 | 284 |
| Average total loans | $42,139,333 | 4,105 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5555% | 4,712 |
| Cost of funding earning assets | 0.0525% | 4,585 |
| Net interest margin | 1.5030% | 4,696 |
| Noninterest income to average assets | 0.0313% | 4,701 |
| Noninterest expense to average assets | 0.4160% | 4,783 |
| Loan and lease loss provision to assets | -0.0396% | 4,497 |
| Net operating income to assets | 0.8578% | 2,462 |
| Return on assets (ROA) | 0.8578% | 2,452 |
| Pretax return on assets | 1.0864% | 2,186 |
| Return on Equity (ROE) | 1.3680% | 4,363 |
| Retained earnings to average equity (ytd only) | 1.3680% | 3,731 |
| Net charge-offs to loans | -0.3557% | 4,679 |
| Credit loss provision to net charge-offs | 184.6154% | 798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3479% | 4,756 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1950% | 66 |
| Loan loss allowance to noncurrent loans | 363.7363% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,445 |
| Noncurrent loans to loans | 1.1533% | 767 |
| Net loans and leases to total assets | 5.1001% | 4,753 |
| Net loans and leases to deposits | 13.7297% | 4,730 |
| Net loans and leases to core deposits | 12,856.1224% | 5 |
| Total domestic deposits to total assets | 37.1468% | 4,766 |
| Equity capital to assets | 61.6950% | 30 |
| Core capital (leverage) ratio | 63.7351% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 242.2075% | 14 |
| Memoranda: | ||
| Average total assets | $727,879,000 | 1,284 |
| Average earning assets | $693,280,500 | 1,266 |
| Average equity | $456,439,500 | 290 |
| Average total loans | $43,862,000 | 4,081 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3209% | 4,760 |
| Cost of funding earning assets | 0.0666% | 4,605 |
| Net interest margin | 1.2543% | 4,753 |
| Noninterest income to average assets | 0.0256% | 4,763 |
| Noninterest expense to average assets | 0.4353% | 4,815 |
| Loan and lease loss provision to assets | -0.0976% | 4,522 |
| Net operating income to assets | 0.6998% | 3,629 |
| Return on assets (ROA) | 0.6998% | 3,681 |
| Pretax return on assets | 0.8877% | 3,539 |
| Return on Equity (ROE) | 1.1046% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.1046% | 4,234 |
| Net charge-offs to loans | -0.0251% | 4,061 |
| Credit loss provision to net charge-offs | 6,345.4545% | 115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2535% | 4,773 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4969% | 99 |
| Loan loss allowance to noncurrent loans | 370.9890% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,532 |
| Noncurrent loans to loans | 0.9426% | 1,077 |
| Net loans and leases to total assets | 6.5183% | 4,791 |
| Net loans and leases to deposits | 18.6206% | 4,753 |
| Net loans and leases to core deposits | 26,772.4138% | 2 |
| Total domestic deposits to total assets | 35.0060% | 4,813 |
| Equity capital to assets | 63.7588% | 26 |
| Core capital (leverage) ratio | 52.3048% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 238.9473% | 14 |
| Memoranda: | ||
| Average total assets | $715,331,800 | 1,268 |
| Average earning assets | $684,285,400 | 1,240 |
| Average equity | $453,183,400 | 289 |
| Average total loans | $43,858,800 | 4,112 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3485% | 4,841 |
| Cost of funding earning assets | 0.0683% | 4,697 |
| Net interest margin | 1.2802% | 4,834 |
| Noninterest income to average assets | 0.0250% | 4,842 |
| Noninterest expense to average assets | 0.4441% | 4,898 |
| Loan and lease loss provision to assets | -0.1146% | 4,633 |
| Net operating income to assets | 0.7256% | 3,708 |
| Return on assets (ROA) | 0.7256% | 3,770 |
| Pretax return on assets | 0.9209% | 3,650 |
| Return on Equity (ROE) | 1.1472% | 4,682 |
| Retained earnings to average equity (ytd only) | 1.1472% | 4,382 |
| Net charge-offs to loans | 0.1310% | 616 |
| Credit loss provision to net charge-offs | -1,464.2857% | 3,927 |
| Earnings coverage of net charge-offs (x) | 103.0238% | 858 |
| Efficiency ratio | 33.2936% | 4,843 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4443% | 54 |
| Loan loss allowance to noncurrent loans | 463.0728% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,790 |
| Noncurrent loans to loans | 0.9597% | 1,199 |
| Net loans and leases to total assets | 5.1972% | 4,868 |
| Net loans and leases to deposits | 14.7653% | 4,847 |
| Net loans and leases to core deposits | 22,118.5629% | 3 |
| Total domestic deposits to total assets | 35.1987% | 4,883 |
| Equity capital to assets | 63.9551% | 31 |
| Core capital (leverage) ratio | 63.9328% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 248.8781% | 17 |
| Memoranda: | ||
| Average total assets | $715,499,500 | 1,289 |
| Average earning assets | $684,880,500 | 1,265 |
| Average equity | $452,564,500 | 290 |
| Average total loans | $42,755,500 | 4,187 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3600% | 4,877 |
| Cost of funding earning assets | 0.0759% | 4,716 |
| Net interest margin | 1.2841% | 4,868 |
| Noninterest income to average assets | 0.0243% | 4,880 |
| Noninterest expense to average assets | 0.5681% | 4,927 |
| Loan and lease loss provision to assets | -0.0814% | 4,584 |
| Net operating income to assets | 0.6052% | 3,972 |
| Return on assets (ROA) | 0.6052% | 4,026 |
| Pretax return on assets | 0.7695% | 3,926 |
| Return on Equity (ROE) | 0.9604% | 4,707 |
| Retained earnings to average equity (ytd only) | 0.9604% | 4,353 |
| Net charge-offs to loans | 0.3898% | 218 |
| Credit loss provision to net charge-offs | -339.5349% | 3,357 |
| Earnings coverage of net charge-offs (x) | 28.6860% | 1,331 |
| Efficiency ratio | 43.0284% | 4,659 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9010% | 39 |
| Loan loss allowance to noncurrent loans | 542.6630% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,899 |
| Noncurrent loans to loans | 0.9031% | 1,373 |
| Net loans and leases to total assets | 5.4604% | 4,906 |
| Net loans and leases to deposits | 15.4905% | 4,881 |
| Net loans and leases to core deposits | 25,326.7974% | 3 |
| Total domestic deposits to total assets | 35.2498% | 4,919 |
| Equity capital to assets | 63.8087% | 32 |
| Core capital (leverage) ratio | 62.5473% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 247.0963% | 14 |
| Memoranda: | ||
| Average total assets | $717,090,000 | 1,274 |
| Average earning assets | $687,954,333 | 1,246 |
| Average equity | $451,903,667 | 290 |
| Average total loans | $44,122,000 | 4,189 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5464% | 4,898 |
| Cost of funding earning assets | 0.0789% | 4,751 |
| Net interest margin | 1.4675% | 4,880 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 0.2930% | 4,971 |
| Loan and lease loss provision to assets | -0.0477% | 4,649 |
| Net operating income to assets | 0.8779% | 3,189 |
| Return on assets (ROA) | 0.8779% | 3,270 |
| Pretax return on assets | 1.1687% | 2,929 |
| Return on Equity (ROE) | 1.4017% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.4017% | 4,146 |
| Net charge-offs to loans | 0.8906% | 85 |
| Credit loss provision to net charge-offs | -84.3137% | 2,811 |
| Earnings coverage of net charge-offs (x) | 19.8039% | 1,257 |
| Efficiency ratio | 18.7598% | 4,953 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2714% | 36 |
| Loan loss allowance to noncurrent loans | 402.7624% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,841 |
| Noncurrent loans to loans | 1.3088% | 995 |
| Net loans and leases to total assets | 5.3538% | 4,933 |
| Net loans and leases to deposits | 14.2819% | 4,910 |
| Net loans and leases to core deposits | 21,833.8889% | 4 |
| Total domestic deposits to total assets | 37.4867% | 4,941 |
| Equity capital to assets | 61.6062% | 30 |
| Core capital (leverage) ratio | 63.7032% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 239.7372% | 15 |
| Memoranda: | ||
| Average total assets | $720,806,500 | 1,253 |
| Average earning assets | $694,529,000 | 1,222 |
| Average equity | $451,444,000 | 288 |
| Average total loans | $45,809,500 | 4,172 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4441% | 4,854 |
| Cost of funding earning assets | 0.5392% | 2,691 |
| Net interest margin | 1.9049% | 4,857 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 0.8649% | 4,949 |
| Loan and lease loss provision to assets | 0.0917% | 3,206 |
| Net operating income to assets | 0.6768% | 3,503 |
| Return on assets (ROA) | 0.6768% | 3,630 |
| Pretax return on assets | 0.8589% | 3,484 |
| Return on Equity (ROE) | 1.4963% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.4963% | 4,037 |
| Net charge-offs to loans | 2.1016% | 43 |
| Credit loss provision to net charge-offs | 39.4996% | 3,191 |
| Earnings coverage of net charge-offs (x) | 4.0947% | 3,029 |
| Efficiency ratio | 45.2748% | 4,745 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7376% | 49 |
| Loan loss allowance to noncurrent loans | 337.8378% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 3,816 |
| Noncurrent loans to loans | 1.4023% | 968 |
| Net loans and leases to total assets | 6.7496% | 4,955 |
| Net loans and leases to deposits | 19.0904% | 4,907 |
| Net loans and leases to core deposits | 30,417.8344% | 4 |
| Total domestic deposits to total assets | 35.3559% | 4,967 |
| Equity capital to assets | 63.6930% | 27 |
| Core capital (leverage) ratio | 51.2715% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 233.7264% | 13 |
| Memoranda: | ||
| Average total assets | $481,999,600 | 1,602 |
| Average earning assets | $459,383,000 | 1,564 |
| Average equity | $217,997,200 | 473 |
| Average total loans | $53,245,000 | 4,043 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9554% | 4,764 |
| Cost of funding earning assets | 0.7499% | 1,748 |
| Net interest margin | 2.2055% | 4,819 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 1.0714% | 4,960 |
| Loan and lease loss provision to assets | 0.1663% | 2,335 |
| Net operating income to assets | 0.6741% | 3,548 |
| Return on assets (ROA) | 0.6741% | 3,661 |
| Pretax return on assets | 0.8446% | 3,530 |
| Return on Equity (ROE) | 1.7952% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.7952% | 4,002 |
| Net charge-offs to loans | 2.5248% | 40 |
| Credit loss provision to net charge-offs | 51.9062% | 2,879 |
| Earnings coverage of net charge-offs (x) | 3.1544% | 2,932 |
| Efficiency ratio | 49.1199% | 4,547 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1048% | 29 |
| Loan loss allowance to noncurrent loans | 319.2020% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,865 |
| Noncurrent loans to loans | 1.9125% | 660 |
| Net loans and leases to total assets | 5.5661% | 4,992 |
| Net loans and leases to deposits | 15.7397% | 4,967 |
| Net loans and leases to core deposits | 25,078.9809% | 4 |
| Total domestic deposits to total assets | 35.3633% | 4,998 |
| Equity capital to assets | 63.5494% | 28 |
| Core capital (leverage) ratio | 135.9857% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 241.1315% | 16 |
| Memoranda: | ||
| Average total assets | $425,614,750 | 1,757 |
| Average earning assets | $401,831,500 | 1,738 |
| Average equity | $159,833,250 | 631 |
| Average total loans | $54,023,500 | 4,049 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,553 |
| Cost of funding earning assets | 1.2916% | 372 |
| Net interest margin | 2.9759% | 4,179 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 1.2373% | 4,965 |
| Loan and lease loss provision to assets | 0.1128% | 2,886 |
| Net operating income to assets | 1.1354% | 1,859 |
| Return on assets (ROA) | 1.1354% | 1,976 |
| Pretax return on assets | 1.4188% | 1,681 |
| Return on Equity (ROE) | 5.9529% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.9529% | 2,102 |
| Net charge-offs to loans | 2.3840% | 50 |
| Credit loss provision to net charge-offs | 27.0231% | 2,712 |
| Earnings coverage of net charge-offs (x) | 3.6705% | 2,661 |
| Efficiency ratio | 42.4216% | 4,853 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2946% | 34 |
| Loan loss allowance to noncurrent loans | 209.9753% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 2,797 |
| Noncurrent loans to loans | 2.5215% | 458 |
| Net loans and leases to total assets | 14.1102% | 4,994 |
| Net loans and leases to deposits | 18.2087% | 4,991 |
| Net loans and leases to core deposits | 22,223.9024% | 4 |
| Total domestic deposits to total assets | 77.4916% | 4,256 |
| Equity capital to assets | 19.9062% | 217 |
| Core capital (leverage) ratio | 18.7038% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7224% | 62 |
| Memoranda: | ||
| Average total assets | $331,689,333 | 2,087 |
| Average earning assets | $308,615,000 | 2,084 |
| Average equity | $63,263,333 | 1,377 |
| Average total loans | $58,053,333 | 3,977 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 1,098 |
| Cost of funding earning assets | 1.4929% | 282 |
| Net interest margin | 3.4435% | 3,171 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 2.3827% | 3,572 |
| Loan and lease loss provision to assets | -0.1071% | 5,074 |
| Net operating income to assets | 0.7355% | 3,149 |
| Return on assets (ROA) | 0.7355% | 3,229 |
| Pretax return on assets | 0.9307% | 3,051 |
| Return on Equity (ROE) | 3.9389% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.9389% | 2,707 |
| Net charge-offs to loans | 2.5069% | 52 |
| Credit loss provision to net charge-offs | -22.7848% | 3,105 |
| Earnings coverage of net charge-offs (x) | 1.7519% | 2,344 |
| Efficiency ratio | 72.3831% | 2,023 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6574% | 52 |
| Loan loss allowance to noncurrent loans | 215.8957% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,074 |
| Noncurrent loans to loans | 2.1572% | 624 |
| Net loans and leases to total assets | 15.0988% | 5,034 |
| Net loans and leases to deposits | 19.0901% | 5,030 |
| Net loans and leases to core deposits | 19,178.8321% | 3 |
| Total domestic deposits to total assets | 79.0922% | 4,036 |
| Equity capital to assets | 18.1036% | 346 |
| Core capital (leverage) ratio | 18.9896% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7489% | 86 |
| Memoranda: | ||
| Average total assets | $336,094,000 | 2,014 |
| Average earning assets | $312,937,500 | 2,010 |
| Average equity | $62,758,500 | 1,375 |
| Average total loans | $63,027,000 | 3,907 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 245 |
| Cost of funding earning assets | 2.3508% | 12 |
| Net interest margin | 3.6013% | 3,133 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 0.9943% | 5,120 |
| Loan and lease loss provision to assets | 0.6760% | 168 |
| Net operating income to assets | 1.3657% | 1,458 |
| Return on assets (ROA) | 1.3657% | 1,543 |
| Pretax return on assets | 1.6846% | 1,230 |
| Return on Equity (ROE) | 7.2968% | 3,448 |
| Retained earnings to average equity (ytd only) | 1.3891% | 4,250 |
| Net charge-offs to loans | 2.6856% | 41 |
| Credit loss provision to net charge-offs | 129.4791% | 1,974 |
| Earnings coverage of net charge-offs (x) | 4.5215% | 3,206 |
| Efficiency ratio | 27.7125% | 5,141 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 80.9628% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0740% | 60 |
| Loan loss allowance to noncurrent loans | 272.3845% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 3,108 |
| Noncurrent loans to loans | 1.4957% | 968 |
| Net loans and leases to total assets | 20.9927% | 5,062 |
| Net loans and leases to deposits | 27.1997% | 5,057 |
| Net loans and leases to core deposits | 38,663.0682% | 2 |
| Total domestic deposits to total assets | 77.1800% | 4,471 |
| Equity capital to assets | 19.2842% | 282 |
| Core capital (leverage) ratio | 12.1644% | 1,673 |
| Tier 1 risk-based capital ratio | 46.1620% | 167 |
| Total risk-based capital ratio | 47.4236% | 163 |
| Memoranda: | ||
| Average total assets | $334,617,600 | 1,961 |
| Average earning assets | $311,718,000 | 1,959 |
| Average equity | $62,630,400 | 1,342 |
| Average total loans | $65,051,600 | 3,885 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 245 |
| Cost of funding earning assets | 2.2147% | 23 |
| Net interest margin | 3.7695% | 2,687 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 1.5348% | 5,051 |
| Loan and lease loss provision to assets | 0.8603% | 117 |
| Net operating income to assets | 0.9224% | 3,267 |
| Return on assets (ROA) | 0.9224% | 3,342 |
| Pretax return on assets | 1.1074% | 3,274 |
| Return on Equity (ROE) | 4.9642% | 4,336 |
| Retained earnings to average equity (ytd only) | 4.9642% | 2,904 |
| Net charge-offs to loans | 2.7094% | 38 |
| Credit loss provision to net charge-offs | 168.4211% | 1,500 |
| Earnings coverage of net charge-offs (x) | 3.8522% | 3,069 |
| Efficiency ratio | 41.9912% | 5,080 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5495% | 28 |
| Loan loss allowance to noncurrent loans | 266.6939% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 3,006 |
| Noncurrent loans to loans | 2.0809% | 637 |
| Net loans and leases to total assets | 17.0067% | 5,170 |
| Net loans and leases to deposits | 22.1715% | 5,167 |
| Net loans and leases to core deposits | 32,248.2558% | 4 |
| Total domestic deposits to total assets | 76.7053% | 4,556 |
| Equity capital to assets | 19.6145% | 276 |
| Core capital (leverage) ratio | 19.1608% | 283 |
| Tier 1 risk-based capital ratio | 50.7728% | 132 |
| Total risk-based capital ratio | 52.0400% | 130 |
| Memoranda: | ||
| Average total assets | $337,235,500 | 1,967 |
| Average earning assets | $313,352,000 | 1,955 |
| Average equity | $62,660,750 | 1,332 |
| Average total loans | $63,580,250 | 3,958 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9638% | 250 |
| Cost of funding earning assets | 2.3243% | 14 |
| Net interest margin | 3.6395% | 3,136 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 1.7775% | 4,898 |
| Loan and lease loss provision to assets | 0.6793% | 158 |
| Net operating income to assets | 0.7831% | 3,715 |
| Return on assets (ROA) | 0.7831% | 3,776 |
| Pretax return on assets | 0.9410% | 3,738 |
| Return on Equity (ROE) | 4.2910% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.2910% | 3,105 |
| Net charge-offs to loans | 1.1778% | 113 |
| Credit loss provision to net charge-offs | 137.6932% | 1,589 |
| Earnings coverage of net charge-offs (x) | 3.2842% | 2,861 |
| Efficiency ratio | 50.4489% | 4,759 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5563% | 44 |
| Loan loss allowance to noncurrent loans | 216.5728% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,973 |
| Noncurrent loans to loans | 2.1038% | 655 |
| Net loans and leases to total assets | 17.3836% | 5,216 |
| Net loans and leases to deposits | 22.5383% | 5,211 |
| Net loans and leases to core deposits | 28,055.2239% | 4 |
| Total domestic deposits to total assets | 77.1292% | 4,548 |
| Equity capital to assets | 19.4129% | 273 |
| Core capital (leverage) ratio | 18.5196% | 310 |
| Tier 1 risk-based capital ratio | 50.6097% | 129 |
| Total risk-based capital ratio | 51.8714% | 129 |
| Memoranda: | ||
| Average total assets | $340,931,670 | 1,962 |
| Average earning assets | $318,284,670 | 1,952 |
| Average equity | $62,223,670 | 1,329 |
| Average total loans | $142,803,330 | 2,734 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0272% | 214 |
| Cost of funding earning assets | 2.4463% | 8 |
| Net interest margin | 3.5809% | 3,324 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 2.6747% | 2,979 |
| Loan and lease loss provision to assets | 0.1775% | 941 |
| Net operating income to assets | 0.4800% | 4,570 |
| Return on assets (ROA) | 0.4800% | 4,594 |
| Pretax return on assets | 0.5063% | 4,669 |
| Return on Equity (ROE) | 2.7098% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.7098% | 3,855 |
| Net charge-offs to loans | 0.8145% | 183 |
| Credit loss provision to net charge-offs | 41.2234% | 2,024 |
| Earnings coverage of net charge-offs (x) | 1.5878% | 2,579 |
| Efficiency ratio | 77.7967% | 1,289 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5167% | 85 |
| Loan loss allowance to noncurrent loans | 173.1511% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,274 |
| Noncurrent loans to loans | 2.0310% | 724 |
| Net loans and leases to total assets | 15.7833% | 5,284 |
| Net loans and leases to deposits | 19.6802% | 5,281 |
| Net loans and leases to core deposits | 21,030.6050% | 5 |
| Total domestic deposits to total assets | 80.1985% | 4,141 |
| Equity capital to assets | 16.5743% | 491 |
| Core capital (leverage) ratio | 16.3814% | 483 |
| Tier 1 risk-based capital ratio | 45.1192% | 170 |
| Total risk-based capital ratio | 46.3739% | 167 |
| Memoranda: | ||
| Average total assets | $349,201,500 | 1,953 |
| Average earning assets | $327,513,000 | 1,932 |
| Average equity | $61,848,500 | 1,338 |
| Average total loans | $184,663,500 | 2,321 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7933% | 239 |
| Cost of funding earning assets | 2.1120% | 11 |
| Net interest margin | 3.6813% | 3,109 |
| Noninterest income to average assets | 0.0000% | 5,351 |
| Noninterest expense to average assets | 0.9516% | 5,361 |
| Loan and lease loss provision to assets | 0.4251% | 308 |
| Net operating income to assets | 1.6137% | 841 |
| Return on assets (ROA) | 1.6137% | 835 |
| Pretax return on assets | 2.0727% | 471 |
| Return on Equity (ROE) | 8.8590% | 3,062 |
| Retained earnings to average equity (ytd only) | 3.3565% | 3,737 |
| Net charge-offs to loans | 0.4310% | 426 |
| Credit loss provision to net charge-offs | 104.5685% | 2,434 |
| Earnings coverage of net charge-offs (x) | 6.1443% | 3,122 |
| Efficiency ratio | 25.6645% | 5,377 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,625 |
| Loan loss allowance to noncurrent loans | 216.1056% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 3,196 |
| Noncurrent loans to loans | 0.3567% | 3,263 |
| Net loans and leases to total assets | 94.3580% | 7 |
| Net loans and leases to deposits | 122.1845% | 82 |
| Net loans and leases to core deposits | 155,178.6802% | 2 |
| Total domestic deposits to total assets | 77.2258% | 4,600 |
| Equity capital to assets | 19.0255% | 272 |
| Core capital (leverage) ratio | 12.1096% | 1,663 |
| Tier 1 risk-based capital ratio | 44.4634% | 180 |
| Total risk-based capital ratio | 45.7201% | 178 |
| Memoranda: | ||
| Average total assets | $339,211,800 | 1,955 |
| Average earning assets | $317,851,400 | 1,940 |
| Average equity | $61,790,400 | 1,285 |
| Average total loans | $319,923,600 | 1,513 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 428 |
| Cost of funding earning assets | 1.7426% | 22 |
| Net interest margin | 3.6801% | 3,087 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 1.2034% | 5,392 |
| Loan and lease loss provision to assets | 0.2651% | 578 |
| Net operating income to assets | 1.5579% | 1,052 |
| Return on assets (ROA) | 1.5579% | 1,054 |
| Pretax return on assets | 1.9742% | 663 |
| Return on Equity (ROE) | 8.6431% | 3,265 |
| Retained earnings to average equity (ytd only) | 8.6431% | 1,360 |
| Net charge-offs to loans | 0.4133% | 389 |
| Credit loss provision to net charge-offs | 68.1319% | 2,650 |
| Earnings coverage of net charge-offs (x) | 5.7553% | 2,939 |
| Efficiency ratio | 33.0473% | 5,416 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,968 |
| Loan loss allowance to noncurrent loans | 184.3663% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,355 |
| Noncurrent loans to loans | 0.3537% | 3,386 |
| Net loans and leases to total assets | 93.4200% | 13 |
| Net loans and leases to deposits | 121.3488% | 90 |
| Net loans and leases to core deposits | 143,899.5261% | 2 |
| Total domestic deposits to total assets | 76.9847% | 4,646 |
| Equity capital to assets | 19.5595% | 247 |
| Core capital (leverage) ratio | 18.2094% | 312 |
| Tier 1 risk-based capital ratio | 50.4958% | 128 |
| Total risk-based capital ratio | 51.7499% | 127 |
| Memoranda: | ||
| Average total assets | $343,019,500 | 1,950 |
| Average earning assets | $320,888,750 | 1,936 |
| Average equity | $61,828,250 | 1,288 |
| Average total loans | $322,885,250 | 1,514 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 519 |
| Cost of funding earning assets | 1.6036% | 33 |
| Net interest margin | 3.6382% | 3,166 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 0.8538% | 5,507 |
| Loan and lease loss provision to assets | 0.0716% | 2,455 |
| Net operating income to assets | 1.9563% | 414 |
| Return on assets (ROA) | 1.9563% | 411 |
| Pretax return on assets | 2.4795% | 234 |
| Return on Equity (ROE) | 11.1482% | 2,050 |
| Retained earnings to average equity (ytd only) | 11.1482% | 639 |
| Net charge-offs to loans | 0.3797% | 414 |
| Credit loss provision to net charge-offs | 20.0321% | 2,686 |
| Earnings coverage of net charge-offs (x) | 7.1346% | 2,573 |
| Efficiency ratio | 23.1740% | 5,514 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5560% | 5,185 |
| Loan loss allowance to noncurrent loans | 185.1890% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 3,656 |
| Noncurrent loans to loans | 0.3002% | 3,626 |
| Net loans and leases to total assets | 92.6521% | 19 |
| Net loans and leases to deposits | 117.8296% | 133 |
| Net loans and leases to core deposits | 150,132.4074% | 2 |
| Total domestic deposits to total assets | 78.6322% | 4,484 |
| Equity capital to assets | 17.9935% | 325 |
| Core capital (leverage) ratio | 17.5248% | 346 |
| Tier 1 risk-based capital ratio | 47.8440% | 150 |
| Total risk-based capital ratio | 49.0960% | 150 |
| Memoranda: | ||
| Average total assets | $349,021,330 | 1,941 |
| Average earning assets | $326,642,330 | 1,920 |
| Average equity | $61,247,330 | 1,300 |
| Average total loans | $328,640,000 | 1,488 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 558 |
| Cost of funding earning assets | 1.3873% | 61 |
| Net interest margin | 3.7374% | 2,656 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 1.2533% | 5,511 |
| Loan and lease loss provision to assets | -0.1171% | 5,516 |
| Net operating income to assets | 1.8776% | 478 |
| Return on assets (ROA) | 1.8776% | 483 |
| Pretax return on assets | 2.3791% | 273 |
| Return on Equity (ROE) | 10.8377% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.8377% | 933 |
| Net charge-offs to loans | 0.4147% | 374 |
| Credit loss provision to net charge-offs | -29.8246% | 3,587 |
| Earnings coverage of net charge-offs (x) | 5.7632% | 2,201 |
| Efficiency ratio | 33.8230% | 5,537 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 5,288 |
| Loan loss allowance to noncurrent loans | 194.3809% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,836 |
| Noncurrent loans to loans | 0.2743% | 3,788 |
| Net loans and leases to total assets | 93.2862% | 8 |
| Net loans and leases to deposits | 116.0223% | 154 |
| Net loans and leases to core deposits | 109,571.0692% | 2 |
| Total domestic deposits to total assets | 80.4036% | 4,342 |
| Equity capital to assets | 16.3850% | 458 |
| Core capital (leverage) ratio | 16.8518% | 401 |
| Tier 1 risk-based capital ratio | 44.1618% | 183 |
| Total risk-based capital ratio | 45.4138% | 181 |
| Memoranda: | ||
| Average total assets | $348,530,000 | 1,957 |
| Average earning assets | $327,820,500 | 1,932 |
| Average equity | $60,382,000 | 1,323 |
| Average total loans | $329,910,500 | 1,489 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 1,541 |
| Cost of funding earning assets | 1.0952% | 131 |
| Net interest margin | 3.4648% | 3,639 |
| Noninterest income to average assets | 0.0000% | 5,617 |
| Noninterest expense to average assets | 0.7063% | 5,638 |
| Loan and lease loss provision to assets | 0.4905% | 268 |
| Net operating income to assets | 1.2711% | 1,299 |
| Return on assets (ROA) | 1.2711% | 1,320 |
| Pretax return on assets | 2.1103% | 385 |
| Return on Equity (ROE) | 7.8078% | 2,884 |
| Retained earnings to average equity (ytd only) | -2.2031% | 5,299 |
| Net charge-offs to loans | 0.3598% | 702 |
| Credit loss provision to net charge-offs | 165.1625% | 1,626 |
| Earnings coverage of net charge-offs (x) | 8.7572% | 2,869 |
| Efficiency ratio | 19.4683% | 5,648 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 128.2159% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 4,960 |
| Loan loss allowance to noncurrent loans | 198.7962% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,430 |
| Noncurrent loans to loans | 0.3757% | 3,410 |
| Net loans and leases to total assets | 94.9491% | 4 |
| Net loans and leases to deposits | 122.7676% | 87 |
| Net loans and leases to core deposits | 131,847.6395% | 2 |
| Total domestic deposits to total assets | 77.3405% | 4,821 |
| Equity capital to assets | 18.4097% | 282 |
| Core capital (leverage) ratio | 11.6250% | 1,850 |
| Tier 1 risk-based capital ratio | 42.0080% | 187 |
| Total risk-based capital ratio | 43.2633% | 184 |
| Memoranda: | ||
| Average total assets | $373,071,800 | 1,822 |
| Average earning assets | $356,097,200 | 1,776 |
| Average equity | $60,733,800 | 1,299 |
| Average total loans | $307,910,800 | 1,539 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,211 |
| Cost of funding earning assets | 0.8872% | 375 |
| Net interest margin | 3.4324% | 3,730 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 0.7451% | 5,706 |
| Loan and lease loss provision to assets | 0.3089% | 504 |
| Net operating income to assets | 1.4341% | 1,019 |
| Return on assets (ROA) | 1.4341% | 1,035 |
| Pretax return on assets | 2.2259% | 346 |
| Return on Equity (ROE) | 9.0582% | 2,570 |
| Retained earnings to average equity (ytd only) | 1.4529% | 4,833 |
| Net charge-offs to loans | 0.2866% | 751 |
| Credit loss provision to net charge-offs | 135.0983% | 1,820 |
| Earnings coverage of net charge-offs (x) | 11.0862% | 2,532 |
| Efficiency ratio | 20.8711% | 5,715 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 83.9605% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4277% | 5,538 |
| Loan loss allowance to noncurrent loans | 153.7553% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 3,987 |
| Noncurrent loans to loans | 0.2782% | 3,953 |
| Net loans and leases to total assets | 97.0662% | 2 |
| Net loans and leases to deposits | 121.1201% | 86 |
| Net loans and leases to core deposits | 191,940.2715% | 2 |
| Total domestic deposits to total assets | 80.1405% | 4,287 |
| Equity capital to assets | 14.0883% | 967 |
| Core capital (leverage) ratio | 15.4933% | 579 |
| Tier 1 risk-based capital ratio | 42.3150% | 196 |
| Total risk-based capital ratio | 43.5658% | 189 |
| Memoranda: | ||
| Average total assets | $385,453,000 | 1,781 |
| Average earning assets | $368,320,250 | 1,729 |
| Average equity | $61,026,250 | 1,302 |
| Average total loans | $307,509,250 | 1,547 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 1,600 |
| Cost of funding earning assets | 0.8493% | 406 |
| Net interest margin | 3.6214% | 2,945 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 1.9812% | 5,015 |
| Loan and lease loss provision to assets | 0.2064% | 875 |
| Net operating income to assets | 0.8065% | 3,368 |
| Return on assets (ROA) | 0.8065% | 3,422 |
| Pretax return on assets | 1.2513% | 2,574 |
| Return on Equity (ROE) | 4.8812% | 4,522 |
| Retained earnings to average equity (ytd only) | -1.6271% | 5,310 |
| Net charge-offs to loans | 0.2343% | 867 |
| Credit loss provision to net charge-offs | 121.0191% | 1,767 |
| Earnings coverage of net charge-offs (x) | 8.5478% | 2,500 |
| Efficiency ratio | 55.7802% | 4,854 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 133.3333% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4733% | 5,545 |
| Loan loss allowance to noncurrent loans | 149.5935% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 3,900 |
| Noncurrent loans to loans | 0.3164% | 3,903 |
| Net loans and leases to total assets | 96.2542% | 2 |
| Net loans and leases to deposits | 126.4832% | 58 |
| Net loans and leases to core deposits | 120,900.3472% | 2 |
| Total domestic deposits to total assets | 76.1004% | 5,080 |
| Equity capital to assets | 16.6989% | 438 |
| Core capital (leverage) ratio | 15.5122% | 542 |
| Tier 1 risk-based capital ratio | 47.0598% | 145 |
| Total risk-based capital ratio | 48.3108% | 142 |
| Memoranda: | ||
| Average total assets | $368,267,670 | 1,853 |
| Average earning assets | $349,697,670 | 1,817 |
| Average equity | $60,846,000 | 1,305 |
| Average total loans | $268,009,000 | 1,728 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 1,582 |
| Cost of funding earning assets | 0.7545% | 634 |
| Net interest margin | 3.6673% | 2,619 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | -0.6352% | 5,855 |
| Loan and lease loss provision to assets | 0.2358% | 651 |
| Net operating income to assets | 2.4838% | 137 |
| Return on assets (ROA) | 2.4838% | 139 |
| Pretax return on assets | 3.8586% | 87 |
| Return on Equity (ROE) | 15.1116% | 628 |
| Retained earnings to average equity (ytd only) | 2.1420% | 4,285 |
| Net charge-offs to loans | 0.2484% | 725 |
| Credit loss provision to net charge-offs | 155.3191% | 1,187 |
| Earnings coverage of net charge-offs (x) | 26.9716% | 1,284 |
| Efficiency ratio | -20.1681% | 5,853 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 85.8257% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4506% | 5,644 |
| Loan loss allowance to noncurrent loans | 172.3140% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 4,220 |
| Noncurrent loans to loans | 0.2615% | 4,174 |
| Net loans and leases to total assets | 94.2750% | 7 |
| Net loans and leases to deposits | 122.6760% | 73 |
| Net loans and leases to core deposits | 94,975.2577% | 3 |
| Total domestic deposits to total assets | 76.8488% | 5,133 |
| Equity capital to assets | 15.6643% | 549 |
| Core capital (leverage) ratio | 16.5884% | 400 |
| Tier 1 risk-based capital ratio | 44.8431% | 172 |
| Total risk-based capital ratio | 46.0936% | 170 |
| Memoranda: | ||
| Average total assets | $371,530,000 | 1,854 |
| Average earning assets | $350,450,000 | 1,821 |
| Average equity | $61,065,500 | 1,303 |
| Average total loans | $227,089,000 | 1,973 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,232 |
| Cost of funding earning assets | 1.1275% | 81 |
| Net interest margin | 3.1476% | 4,598 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 1.0529% | 5,849 |
| Loan and lease loss provision to assets | 0.1603% | 1,538 |
| Net operating income to assets | 1.0710% | 2,030 |
| Return on assets (ROA) | 1.0710% | 2,137 |
| Pretax return on assets | 1.6646% | 1,098 |
| Return on Equity (ROE) | 6.8750% | 3,532 |
| Retained earnings to average equity (ytd only) | 1.2152% | 4,800 |
| Net charge-offs to loans | 1.1623% | 149 |
| Credit loss provision to net charge-offs | 70.7904% | 3,126 |
| Earnings coverage of net charge-offs (x) | 8.0607% | 2,931 |
| Efficiency ratio | 34.5409% | 5,842 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 82.3245% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 816 |
| Loan loss allowance to noncurrent loans | 165.1090% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 4,191 |
| Noncurrent loans to loans | 1.1463% | 1,788 |
| Net loans and leases to total assets | 23.4018% | 5,768 |
| Net loans and leases to deposits | 32.9214% | 5,698 |
| Net loans and leases to core deposits | 24,098.2456% | 5 |
| Total domestic deposits to total assets | 71.0839% | 5,612 |
| Equity capital to assets | 17.2930% | 354 |
| Core capital (leverage) ratio | 14.3877% | 721 |
| Tier 1 risk-based capital ratio | 39.1069% | 235 |
| Total risk-based capital ratio | 40.1527% | 233 |
| Memoranda: | ||
| Average total assets | $385,608,000 | 1,739 |
| Average earning assets | $352,557,400 | 1,759 |
| Average equity | $60,072,400 | 1,291 |
| Average total loans | $75,108,800 | 3,919 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,222 |
| Cost of funding earning assets | 1.1860% | 55 |
| Net interest margin | 3.0950% | 4,785 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 1.5798% | 5,705 |
| Loan and lease loss provision to assets | 0.1059% | 2,163 |
| Net operating income to assets | 0.7229% | 3,734 |
| Return on assets (ROA) | 0.7229% | 3,860 |
| Pretax return on assets | 1.1236% | 3,142 |
| Return on Equity (ROE) | 4.7573% | 4,618 |
| Retained earnings to average equity (ytd only) | 0.3029% | 5,270 |
| Net charge-offs to loans | 1.1488% | 139 |
| Credit loss provision to net charge-offs | 49.8408% | 3,038 |
| Earnings coverage of net charge-offs (x) | 5.7850% | 3,081 |
| Efficiency ratio | 54.1862% | 5,227 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 93.6329% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3255% | 419 |
| Loan loss allowance to noncurrent loans | 139.3443% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 4,409 |
| Noncurrent loans to loans | 1.6689% | 1,268 |
| Net loans and leases to total assets | 15.1302% | 5,912 |
| Net loans and leases to deposits | 19.7543% | 5,902 |
| Net loans and leases to core deposits | 21,000.6536% | 5 |
| Total domestic deposits to total assets | 76.5918% | 5,150 |
| Equity capital to assets | 14.1992% | 966 |
| Core capital (leverage) ratio | 15.1987% | 598 |
| Tier 1 risk-based capital ratio | 38.9753% | 244 |
| Total risk-based capital ratio | 39.9890% | 244 |
| Memoranda: | ||
| Average total assets | $393,965,500 | 1,711 |
| Average earning assets | $357,597,750 | 1,735 |
| Average equity | $59,865,000 | 1,299 |
| Average total loans | $72,884,500 | 3,994 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 1,278 |
| Cost of funding earning assets | 1.5258% | 13 |
| Net interest margin | 3.0690% | 4,922 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 1.8769% | 5,496 |
| Loan and lease loss provision to assets | 0.0198% | 3,746 |
| Net operating income to assets | 0.5551% | 4,461 |
| Return on assets (ROA) | 0.5551% | 4,576 |
| Pretax return on assets | 0.8658% | 4,064 |
| Return on Equity (ROE) | 3.5668% | 5,068 |
| Retained earnings to average equity (ytd only) | -2.4616% | 5,581 |
| Net charge-offs to loans | 0.9568% | 194 |
| Credit loss provision to net charge-offs | 10.5556% | 2,990 |
| Earnings coverage of net charge-offs (x) | 4.7194% | 2,950 |
| Efficiency ratio | 65.8113% | 3,707 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 169.0141% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2894% | 479 |
| Loan loss allowance to noncurrent loans | 127.1512% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 4,225 |
| Noncurrent loans to loans | 1.8006% | 1,147 |
| Net loans and leases to total assets | 17.2172% | 5,967 |
| Net loans and leases to deposits | 23.5839% | 5,949 |
| Net loans and leases to core deposits | 15,106.2791% | 4 |
| Total domestic deposits to total assets | 73.0043% | 5,603 |
| Equity capital to assets | 15.7541% | 583 |
| Core capital (leverage) ratio | 15.0612% | 598 |
| Tier 1 risk-based capital ratio | 40.8416% | 217 |
| Total risk-based capital ratio | 41.9147% | 220 |
| Memoranda: | ||
| Average total assets | $383,711,670 | 1,745 |
| Average earning assets | $345,389,670 | 1,799 |
| Average equity | $59,717,330 | 1,306 |
| Average total loans | $75,248,670 | 3,969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 737 |
| Cost of funding earning assets | 1.6171% | 11 |
| Net interest margin | 3.2492% | 4,403 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.2082% | 4,886 |
| Loan and lease loss provision to assets | -0.1902% | 6,019 |
| Net operating income to assets | 0.5903% | 4,225 |
| Return on assets (ROA) | 0.5903% | 4,339 |
| Pretax return on assets | 0.9087% | 3,812 |
| Return on Equity (ROE) | 3.8157% | 4,953 |
| Retained earnings to average equity (ytd only) | -4.2033% | 5,562 |
| Net charge-offs to loans | 0.7836% | 264 |
| Credit loss provision to net charge-offs | -117.9487% | 4,257 |
| Earnings coverage of net charge-offs (x) | 4.4551% | 2,432 |
| Efficiency ratio | 73.4723% | 2,562 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 210.1576% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1776% | 608 |
| Loan loss allowance to noncurrent loans | 118.7056% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 4,327 |
| Noncurrent loans to loans | 1.8345% | 1,211 |
| Net loans and leases to total assets | 16.6293% | 6,026 |
| Net loans and leases to deposits | 22.4809% | 6,006 |
| Net loans and leases to core deposits | 12,628.5981% | 5 |
| Total domestic deposits to total assets | 73.9709% | 5,613 |
| Equity capital to assets | 14.6554% | 787 |
| Core capital (leverage) ratio | 15.3326% | 557 |
| Tier 1 risk-based capital ratio | 38.7304% | 254 |
| Total risk-based capital ratio | 39.7348% | 257 |
| Memoranda: | ||
| Average total assets | $386,928,000 | 1,735 |
| Average earning assets | $348,521,000 | 1,781 |
| Average equity | $59,857,500 | 1,297 |
| Average total loans | $79,633,500 | 3,864 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 4,134 |
| Cost of funding earning assets | 0.6414% | 1,118 |
| Net interest margin | 3.1294% | 4,838 |
| Noninterest income to average assets | 0.0088% | 6,086 |
| Noninterest expense to average assets | 0.8808% | 6,134 |
| Loan and lease loss provision to assets | -0.0095% | 5,621 |
| Net operating income to assets | 1.2387% | 1,425 |
| Return on assets (ROA) | 1.2387% | 1,479 |
| Pretax return on assets | 1.9082% | 648 |
| Return on Equity (ROE) | 7.7104% | 3,129 |
| Retained earnings to average equity (ytd only) | -12.4625% | 6,067 |
| Net charge-offs to loans | 1.6869% | 86 |
| Credit loss provision to net charge-offs | -2.9753% | 4,921 |
| Earnings coverage of net charge-offs (x) | 5.9521% | 3,303 |
| Efficiency ratio | 30.2573% | 6,138 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 261.6333% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 750 |
| Loan loss allowance to noncurrent loans | 140.7323% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 4,161 |
| Noncurrent loans to loans | 1.4534% | 1,608 |
| Net loans and leases to total assets | 24.0377% | 6,000 |
| Net loans and leases to deposits | 35.3118% | 5,901 |
| Net loans and leases to core deposits | 41,287.3832% | 4 |
| Total domestic deposits to total assets | 68.0728% | 5,971 |
| Equity capital to assets | 16.3703% | 482 |
| Core capital (leverage) ratio | 12.8049% | 1,225 |
| Tier 1 risk-based capital ratio | 35.3558% | 329 |
| Total risk-based capital ratio | 36.4584% | 330 |
| Memoranda: | ||
| Average total assets | $431,978,000 | 1,545 |
| Average earning assets | $382,465,600 | 1,595 |
| Average equity | $69,400,000 | 1,098 |
| Average total loans | $81,688,800 | 3,780 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,397 |
| Cost of funding earning assets | 0.3317% | 3,970 |
| Net interest margin | 3.3755% | 4,053 |
| Noninterest income to average assets | 0.0113% | 6,167 |
| Noninterest expense to average assets | 0.6906% | 6,241 |
| Loan and lease loss provision to assets | -0.0518% | 5,918 |
| Net operating income to assets | 1.5250% | 887 |
| Return on assets (ROA) | 1.5250% | 920 |
| Pretax return on assets | 2.3492% | 318 |
| Return on Equity (ROE) | 9.5293% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.5293% | 729 |
| Net charge-offs to loans | 1.8300% | 70 |
| Credit loss provision to net charge-offs | -15.9341% | 4,876 |
| Earnings coverage of net charge-offs (x) | 7.0705% | 2,958 |
| Efficiency ratio | 21.8383% | 6,247 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8588% | 281 |
| Loan loss allowance to noncurrent loans | 174.4978% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 4,786 |
| Noncurrent loans to loans | 1.6383% | 1,504 |
| Net loans and leases to total assets | 14.4648% | 6,196 |
| Net loans and leases to deposits | 20.8763% | 6,173 |
| Net loans and leases to core deposits | 32,176.3033% | 5 |
| Total domestic deposits to total assets | 69.2880% | 5,995 |
| Equity capital to assets | 15.7546% | 603 |
| Core capital (leverage) ratio | 15.9323% | 495 |
| Tier 1 risk-based capital ratio | 42.3356% | 222 |
| Total risk-based capital ratio | 43.4956% | 217 |
| Memoranda: | ||
| Average total assets | $448,080,500 | 1,507 |
| Average earning assets | $395,152,250 | 1,560 |
| Average equity | $71,707,000 | 1,069 |
| Average total loans | $79,561,000 | 3,872 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 4,001 |
| Cost of funding earning assets | 0.3402% | 3,918 |
| Net interest margin | 3.4764% | 3,595 |
| Noninterest income to average assets | 0.6948% | 2,233 |
| Noninterest expense to average assets | 0.5515% | 6,322 |
| Loan and lease loss provision to assets | -0.1547% | 6,140 |
| Net operating income to assets | 2.1819% | 267 |
| Return on assets (ROA) | 2.1819% | 285 |
| Pretax return on assets | 3.3616% | 107 |
| Return on Equity (ROE) | 13.5596% | 991 |
| Retained earnings to average equity (ytd only) | 13.5596% | 265 |
| Net charge-offs to loans | 1.8820% | 80 |
| Credit loss provision to net charge-offs | -43.7741% | 4,804 |
| Earnings coverage of net charge-offs (x) | 9.0770% | 2,493 |
| Efficiency ratio | 13.6358% | 6,334 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8611% | 313 |
| Loan loss allowance to noncurrent loans | 279.5306% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 5,195 |
| Noncurrent loans to loans | 1.0235% | 2,597 |
| Net loans and leases to total assets | 16.1744% | 6,257 |
| Net loans and leases to deposits | 26.4111% | 6,192 |
| Net loans and leases to core deposits | 11,913.5843% | 9 |
| Total domestic deposits to total assets | 61.2409% | 6,241 |
| Equity capital to assets | 16.3611% | 480 |
| Core capital (leverage) ratio | 15.9035% | 480 |
| Tier 1 risk-based capital ratio | 42.6834% | 224 |
| Total risk-based capital ratio | 43.9335% | 222 |
| Memoranda: | ||
| Average total assets | $440,987,000 | 1,538 |
| Average earning assets | $388,615,670 | 1,590 |
| Average equity | $70,960,670 | 1,084 |
| Average total loans | $82,784,670 | 3,802 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,150 |
| Cost of funding earning assets | 0.3578% | 3,773 |
| Net interest margin | 3.6646% | 2,757 |
| Noninterest income to average assets | 1.3921% | 602 |
| Noninterest expense to average assets | 1.4114% | 6,227 |
| Loan and lease loss provision to assets | 0.8926% | 97 |
| Net operating income to assets | 1.4737% | 900 |
| Return on assets (ROA) | 1.4737% | 958 |
| Pretax return on assets | 2.2701% | 340 |
| Return on Equity (ROE) | 9.2381% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.2381% | 1,118 |
| Net charge-offs to loans | 1.9329% | 91 |
| Credit loss provision to net charge-offs | 232.4582% | 959 |
| Earnings coverage of net charge-offs (x) | 8.2363% | 2,098 |
| Efficiency ratio | 30.0341% | 6,366 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0960% | 64 |
| Loan loss allowance to noncurrent loans | 505.8278% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 5,302 |
| Noncurrent loans to loans | 1.0075% | 2,746 |
| Net loans and leases to total assets | 15.4204% | 6,325 |
| Net loans and leases to deposits | 23.6389% | 6,277 |
| Net loans and leases to core deposits | 8,184.3498% | 9 |
| Total domestic deposits to total assets | 65.2332% | 6,253 |
| Equity capital to assets | 15.2701% | 664 |
| Core capital (leverage) ratio | 16.6934% | 394 |
| Tier 1 risk-based capital ratio | 41.0687% | 249 |
| Total risk-based capital ratio | 42.3309% | 247 |
| Memoranda: | ||
| Average total assets | $436,458,500 | 1,559 |
| Average earning assets | $378,977,500 | 1,633 |
| Average equity | $69,625,000 | 1,109 |
| Average total loans | $86,709,000 | 3,735 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 3,367 |
| Cost of funding earning assets | 0.3314% | 4,477 |
| Net interest margin | 3.7568% | 2,786 |
| Noninterest income to average assets | 0.0156% | 6,364 |
| Noninterest expense to average assets | 1.1188% | 6,429 |
| Loan and lease loss provision to assets | 0.3266% | 598 |
| Net operating income to assets | 1.3190% | 1,267 |
| Return on assets (ROA) | 1.3190% | 1,308 |
| Pretax return on assets | 2.0320% | 484 |
| Return on Equity (ROE) | 7.6639% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.6639% | 1,134 |
| Net charge-offs to loans | 2.5314% | 58 |
| Credit loss provision to net charge-offs | 59.7909% | 3,292 |
| Earnings coverage of net charge-offs (x) | 4.3175% | 3,685 |
| Efficiency ratio | 28.3058% | 6,469 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3145% | 212 |
| Loan loss allowance to noncurrent loans | 380.4196% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 5,190 |
| Noncurrent loans to loans | 0.8713% | 3,139 |
| Net loans and leases to total assets | 23.1270% | 6,331 |
| Net loans and leases to deposits | 38.0128% | 6,103 |
| Net loans and leases to core deposits | 20,002.7311% | 6 |
| Total domestic deposits to total assets | 60.8400% | 6,394 |
| Equity capital to assets | 16.7165% | 451 |
| Core capital (leverage) ratio | 14.5862% | 684 |
| Tier 1 risk-based capital ratio | 38.4838% | 258 |
| Total risk-based capital ratio | 39.7411% | 257 |
| Memoranda: | ||
| Average total assets | $385,128,800 | 1,701 |
| Average earning assets | $354,899,400 | 1,687 |
| Average equity | $66,284,400 | 1,111 |
| Average total loans | $83,116,600 | 3,793 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,128 |
| Cost of funding earning assets | 0.3074% | 4,814 |
| Net interest margin | 3.8537% | 2,419 |
| Noninterest income to average assets | 0.0148% | 6,448 |
| Noninterest expense to average assets | 1.0797% | 6,511 |
| Loan and lease loss provision to assets | 0.3886% | 442 |
| Net operating income to assets | 1.3851% | 1,160 |
| Return on assets (ROA) | 1.3851% | 1,202 |
| Pretax return on assets | 2.1330% | 423 |
| Return on Equity (ROE) | 7.9856% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.9856% | 1,370 |
| Net charge-offs to loans | 2.7027% | 52 |
| Credit loss provision to net charge-offs | 68.6372% | 2,794 |
| Earnings coverage of net charge-offs (x) | 4.4543% | 3,455 |
| Efficiency ratio | 25.6970% | 6,558 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9922% | 80 |
| Loan loss allowance to noncurrent loans | 460.5364% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,433 |
| Noncurrent loans to loans | 1.0840% | 2,905 |
| Net loans and leases to total assets | 17.1720% | 6,482 |
| Net loans and leases to deposits | 22.8351% | 6,464 |
| Net loans and leases to core deposits | 12,972.7788% | 8 |
| Total domestic deposits to total assets | 75.2003% | 5,908 |
| Equity capital to assets | 16.9336% | 436 |
| Core capital (leverage) ratio | 16.3912% | 431 |
| Tier 1 risk-based capital ratio | 48.4374% | 142 |
| Total risk-based capital ratio | 49.7037% | 142 |
| Memoranda: | ||
| Average total assets | $378,487,000 | 1,744 |
| Average earning assets | $352,241,000 | 1,708 |
| Average equity | $65,650,250 | 1,126 |
| Average total loans | $79,276,500 | 3,923 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,598 |
| Cost of funding earning assets | 0.2945% | 5,021 |
| Net interest margin | 4.0001% | 1,800 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.9407% | 6,601 |
| Loan and lease loss provision to assets | 0.4776% | 315 |
| Net operating income to assets | 1.5012% | 866 |
| Return on assets (ROA) | 1.5012% | 900 |
| Pretax return on assets | 2.3116% | 298 |
| Return on Equity (ROE) | 8.5816% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.5816% | 1,120 |
| Net charge-offs to loans | 2.6855% | 72 |
| Credit loss provision to net charge-offs | 80.9307% | 2,318 |
| Earnings coverage of net charge-offs (x) | 4.7263% | 3,054 |
| Efficiency ratio | 21.0048% | 6,638 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3263% | 72 |
| Loan loss allowance to noncurrent loans | 485.8032% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,554 |
| Noncurrent loans to loans | 1.0964% | 3,035 |
| Net loans and leases to total assets | 16.5719% | 6,551 |
| Net loans and leases to deposits | 21.2973% | 6,541 |
| Net loans and leases to core deposits | 12,038.0208% | 9 |
| Total domestic deposits to total assets | 77.8121% | 5,673 |
| Equity capital to assets | 15.9003% | 570 |
| Core capital (leverage) ratio | 16.6010% | 398 |
| Tier 1 risk-based capital ratio | 41.0296% | 219 |
| Total risk-based capital ratio | 42.2938% | 217 |
| Memoranda: | ||
| Average total assets | $371,436,670 | 1,767 |
| Average earning assets | $346,337,670 | 1,731 |
| Average equity | $64,976,000 | 1,127 |
| Average total loans | $81,624,670 | 3,860 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,267 |
| Cost of funding earning assets | 0.3014% | 5,050 |
| Net interest margin | 4.3918% | 819 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.0749% | 6,661 |
| Loan and lease loss provision to assets | 1.3864% | 73 |
| Net operating income to assets | 1.0542% | 1,994 |
| Return on assets (ROA) | 1.0542% | 2,062 |
| Pretax return on assets | 1.6267% | 1,120 |
| Return on Equity (ROE) | 5.7134% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.7134% | 2,687 |
| Net charge-offs to loans | 2.7547% | 75 |
| Credit loss provision to net charge-offs | 204.0609% | 1,024 |
| Earnings coverage of net charge-offs (x) | 4.4349% | 2,527 |
| Efficiency ratio | 22.1597% | 6,705 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4541% | 36 |
| Loan loss allowance to noncurrent loans | 577.6284% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 5,475 |
| Noncurrent loans to loans | 1.1173% | 3,190 |
| Net loans and leases to total assets | 20.1121% | 6,576 |
| Net loans and leases to deposits | 27.2964% | 6,524 |
| Net loans and leases to core deposits | 7,694.8315% | 9 |
| Total domestic deposits to total assets | 73.6804% | 6,268 |
| Equity capital to assets | 18.9885% | 258 |
| Core capital (leverage) ratio | 19.0597% | 242 |
| Tier 1 risk-based capital ratio | 44.7020% | 178 |
| Total risk-based capital ratio | 45.9773% | 177 |
| Memoranda: | ||
| Average total assets | $347,948,500 | 1,885 |
| Average earning assets | $323,874,500 | 1,859 |
| Average equity | $64,199,500 | 1,138 |
| Average total loans | $85,817,000 | 3,800 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,562 |
| Cost of funding earning assets | 0.7534% | 1,478 |
| Net interest margin | 3.6533% | 3,233 |
| Noninterest income to average assets | 0.0075% | 6,632 |
| Noninterest expense to average assets | 1.1576% | 6,725 |
| Loan and lease loss provision to assets | 0.2655% | 1,333 |
| Net operating income to assets | 1.2824% | 1,301 |
| Return on assets (ROA) | 1.2824% | 1,352 |
| Pretax return on assets | 1.9783% | 509 |
| Return on Equity (ROE) | 7.7814% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.7814% | 1,126 |
| Net charge-offs to loans | 2.4699% | 119 |
| Credit loss provision to net charge-offs | 46.5073% | 3,900 |
| Earnings coverage of net charge-offs (x) | 3.9301% | 3,715 |
| Efficiency ratio | 29.4381% | 6,766 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1758% | 177 |
| Loan loss allowance to noncurrent loans | 415.9919% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 5,425 |
| Noncurrent loans to loans | 1.0038% | 3,505 |
| Net loans and leases to total assets | 26.5387% | 6,557 |
| Net loans and leases to deposits | 37.6495% | 6,381 |
| Net loans and leases to core deposits | 18,565.9449% | 7 |
| Total domestic deposits to total assets | 70.4890% | 6,503 |
| Equity capital to assets | 17.9357% | 325 |
| Core capital (leverage) ratio | 14.4390% | 704 |
| Tier 1 risk-based capital ratio | 38.4934% | 255 |
| Total risk-based capital ratio | 39.7587% | 249 |
| Memoranda: | ||
| Average total assets | $373,610,800 | 1,750 |
| Average earning assets | $347,080,400 | 1,725 |
| Average equity | $61,569,600 | 1,172 |
| Average total loans | $86,358,200 | 3,772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,483 |
| Cost of funding earning assets | 0.7720% | 1,472 |
| Net interest margin | 3.6622% | 3,188 |
| Noninterest income to average assets | 0.0138% | 6,710 |
| Noninterest expense to average assets | 1.0859% | 6,814 |
| Loan and lease loss provision to assets | 0.2739% | 1,278 |
| Net operating income to assets | 1.3257% | 1,277 |
| Return on assets (ROA) | 1.3257% | 1,334 |
| Pretax return on assets | 2.0491% | 517 |
| Return on Equity (ROE) | 8.2148% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.2148% | 1,332 |
| Net charge-offs to loans | 2.5437% | 118 |
| Credit loss provision to net charge-offs | 48.8679% | 3,534 |
| Earnings coverage of net charge-offs (x) | 4.1440% | 3,528 |
| Efficiency ratio | 27.3244% | 6,849 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9297% | 58 |
| Loan loss allowance to noncurrent loans | 475.6699% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 5,683 |
| Noncurrent loans to loans | 1.2466% | 3,318 |
| Net loans and leases to total assets | 19.0181% | 6,762 |
| Net loans and leases to deposits | 25.5503% | 6,736 |
| Net loans and leases to core deposits | 12,617.5627% | 9 |
| Total domestic deposits to total assets | 74.4339% | 6,339 |
| Equity capital to assets | 16.9393% | 426 |
| Core capital (leverage) ratio | 17.1128% | 381 |
| Tier 1 risk-based capital ratio | 41.0427% | 231 |
| Total risk-based capital ratio | 42.3131% | 226 |
| Memoranda: | ||
| Average total assets | $378,167,000 | 1,740 |
| Average earning assets | $350,596,750 | 1,725 |
| Average equity | $61,026,750 | 1,188 |
| Average total loans | $83,341,500 | 3,873 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,353 |
| Cost of funding earning assets | 0.7747% | 1,558 |
| Net interest margin | 3.6831% | 3,023 |
| Noninterest income to average assets | 0.0116% | 6,768 |
| Noninterest expense to average assets | 1.1223% | 6,852 |
| Loan and lease loss provision to assets | 0.1591% | 2,329 |
| Net operating income to assets | 1.3865% | 1,108 |
| Return on assets (ROA) | 1.3865% | 1,189 |
| Pretax return on assets | 2.1433% | 465 |
| Return on Equity (ROE) | 8.7322% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.7322% | 1,211 |
| Net charge-offs to loans | 2.4276% | 160 |
| Credit loss provision to net charge-offs | 28.9675% | 3,606 |
| Earnings coverage of net charge-offs (x) | 4.1912% | 3,191 |
| Efficiency ratio | 28.2932% | 6,889 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9560% | 66 |
| Loan loss allowance to noncurrent loans | 488.9371% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 5,855 |
| Noncurrent loans to loans | 1.2182% | 3,518 |
| Net loans and leases to total assets | 16.5612% | 6,833 |
| Net loans and leases to deposits | 21.8612% | 6,821 |
| Net loans and leases to core deposits | 11,863.3333% | 10 |
| Total domestic deposits to total assets | 75.7562% | 6,274 |
| Equity capital to assets | 14.3299% | 867 |
| Core capital (leverage) ratio | 13.8352% | 869 |
| Tier 1 risk-based capital ratio | 34.9762% | 340 |
| Total risk-based capital ratio | 36.2427% | 332 |
| Memoranda: | ||
| Average total assets | $380,821,000 | 1,735 |
| Average earning assets | $352,910,330 | 1,716 |
| Average equity | $60,465,670 | 1,205 |
| Average total loans | $86,174,000 | 3,817 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 1,284 |
| Cost of funding earning assets | 0.8068% | 1,490 |
| Net interest margin | 3.9970% | 1,799 |
| Noninterest income to average assets | 0.0258% | 6,797 |
| Noninterest expense to average assets | 1.1529% | 6,925 |
| Loan and lease loss provision to assets | -0.6881% | 6,979 |
| Net operating income to assets | 2.1407% | 269 |
| Return on assets (ROA) | 2.1407% | 295 |
| Pretax return on assets | 3.3093% | 122 |
| Return on Equity (ROE) | 12.7338% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.7338% | 587 |
| Net charge-offs to loans | 2.4328% | 174 |
| Credit loss provision to net charge-offs | -110.2518% | 5,157 |
| Earnings coverage of net charge-offs (x) | 4.1996% | 2,600 |
| Efficiency ratio | 26.2046% | 6,975 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6293% | 96 |
| Loan loss allowance to noncurrent loans | 419.9588% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 5,770 |
| Noncurrent loans to loans | 1.3404% | 3,557 |
| Net loans and leases to total assets | 18.6326% | 6,882 |
| Net loans and leases to deposits | 24.8028% | 6,848 |
| Net loans and leases to core deposits | 7,569.9115% | 11 |
| Total domestic deposits to total assets | 75.1227% | 6,446 |
| Equity capital to assets | 16.5701% | 484 |
| Core capital (leverage) ratio | 16.5044% | 404 |
| Tier 1 risk-based capital ratio | 38.5334% | 260 |
| Total risk-based capital ratio | 39.8002% | 253 |
| Memoranda: | ||
| Average total assets | $356,331,500 | 1,857 |
| Average earning assets | $334,150,500 | 1,815 |
| Average equity | $59,903,500 | 1,227 |
| Average total loans | $91,417,000 | 3,706 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 4,128 |
| Cost of funding earning assets | 0.9185% | 1,827 |
| Net interest margin | 3.3998% | 4,882 |
| Noninterest income to average assets | 0.0188% | 6,780 |
| Noninterest expense to average assets | 1.1043% | 6,994 |
| Loan and lease loss provision to assets | 0.6264% | 860 |
| Net operating income to assets | 1.0074% | 2,306 |
| Return on assets (ROA) | 1.0074% | 2,521 |
| Pretax return on assets | 1.4379% | 1,906 |
| Return on Equity (ROE) | 6.8213% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.8213% | 1,659 |
| Net charge-offs to loans | 3.0140% | 166 |
| Credit loss provision to net charge-offs | 93.5695% | 3,328 |
| Earnings coverage of net charge-offs (x) | 3.0836% | 3,890 |
| Efficiency ratio | 30.0927% | 7,022 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7598% | 153 |
| Loan loss allowance to noncurrent loans | 547.5495% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 5,857 |
| Noncurrent loans to loans | 0.8693% | 4,444 |
| Net loans and leases to total assets | 30.4202% | 6,686 |
| Net loans and leases to deposits | 41.9451% | 6,464 |
| Net loans and leases to core deposits | 21,355.4878% | 6 |
| Total domestic deposits to total assets | 72.5240% | 6,659 |
| Equity capital to assets | 17.0676% | 406 |
| Core capital (leverage) ratio | 13.2945% | 1,018 |
| Tier 1 risk-based capital ratio | 36.3872% | 302 |
| Total risk-based capital ratio | 37.6618% | 292 |
| Memoranda: | ||
| Average total assets | $387,937,800 | 1,687 |
| Average earning assets | $359,398,400 | 1,660 |
| Average equity | $57,290,800 | 1,242 |
| Average total loans | $86,164,600 | 3,839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 4,506 |
| Cost of funding earning assets | 0.9212% | 2,038 |
| Net interest margin | 3.3640% | 5,166 |
| Noninterest income to average assets | 0.0184% | 6,889 |
| Noninterest expense to average assets | 1.0815% | 7,103 |
| Loan and lease loss provision to assets | 0.4844% | 1,275 |
| Net operating income to assets | 0.9912% | 2,554 |
| Return on assets (ROA) | 0.9912% | 2,783 |
| Pretax return on assets | 1.5344% | 1,768 |
| Return on Equity (ROE) | 6.9459% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.9459% | 2,160 |
| Net charge-offs to loans | 3.2814% | 151 |
| Credit loss provision to net charge-offs | 73.4280% | 3,809 |
| Earnings coverage of net charge-offs (x) | 3.0603% | 3,806 |
| Efficiency ratio | 30.1575% | 7,120 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7683% | 47 |
| Loan loss allowance to noncurrent loans | 475.6074% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 6,123 |
| Noncurrent loans to loans | 1.4231% | 3,665 |
| Net loans and leases to total assets | 15.1687% | 7,077 |
| Net loans and leases to deposits | 19.2323% | 7,077 |
| Net loans and leases to core deposits | 12,840.7619% | 10 |
| Total domestic deposits to total assets | 78.8712% | 5,902 |
| Equity capital to assets | 13.0516% | 1,574 |
| Core capital (leverage) ratio | 13.3144% | 1,069 |
| Tier 1 risk-based capital ratio | 34.2590% | 377 |
| Total risk-based capital ratio | 35.5300% | 372 |
| Memoranda: | ||
| Average total assets | $398,574,250 | 1,659 |
| Average earning assets | $365,155,750 | 1,656 |
| Average equity | $56,876,000 | 1,256 |
| Average total loans | $80,125,750 | 4,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 3,644 |
| Cost of funding earning assets | 0.9873% | 1,844 |
| Net interest margin | 3.5426% | 4,493 |
| Noninterest income to average assets | 0.0198% | 6,945 |
| Noninterest expense to average assets | 1.1448% | 7,159 |
| Loan and lease loss provision to assets | 0.4498% | 1,430 |
| Net operating income to assets | 1.0655% | 2,181 |
| Return on assets (ROA) | 1.0655% | 2,412 |
| Pretax return on assets | 1.6494% | 1,402 |
| Return on Equity (ROE) | 7.2284% | 3,656 |
| Retained earnings to average equity (ytd only) | 7.2284% | 1,988 |
| Net charge-offs to loans | 3.3844% | 157 |
| Credit loss provision to net charge-offs | 61.5714% | 3,754 |
| Earnings coverage of net charge-offs (x) | 2.8736% | 3,592 |
| Efficiency ratio | 30.5935% | 7,176 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9025% | 54 |
| Loan loss allowance to noncurrent loans | 466.0936% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,174 |
| Noncurrent loans to loans | 1.4809% | 3,690 |
| Net loans and leases to total assets | 14.9698% | 7,141 |
| Net loans and leases to deposits | 18.7711% | 7,143 |
| Net loans and leases to core deposits | 10,284.2188% | 10 |
| Total domestic deposits to total assets | 79.7489% | 5,805 |
| Equity capital to assets | 12.9831% | 1,531 |
| Core capital (leverage) ratio | 13.1023% | 1,119 |
| Tier 1 risk-based capital ratio | 34.3259% | 365 |
| Total risk-based capital ratio | 35.5965% | 359 |
| Memoranda: | ||
| Average total assets | $383,290,000 | 1,723 |
| Average earning assets | $348,836,330 | 1,731 |
| Average equity | $56,499,670 | 1,258 |
| Average total loans | $82,731,670 | 4,019 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 1,646 |
| Cost of funding earning assets | 1.1486% | 1,180 |
| Net interest margin | 3.9279% | 2,809 |
| Noninterest income to average assets | 2.2586% | 340 |
| Noninterest expense to average assets | 1.4666% | 7,078 |
| Loan and lease loss provision to assets | 0.2501% | 2,461 |
| Net operating income to assets | 2.6258% | 151 |
| Return on assets (ROA) | 2.6258% | 182 |
| Pretax return on assets | 4.0665% | 87 |
| Return on Equity (ROE) | 16.5885% | 734 |
| Retained earnings to average equity (ytd only) | 16.5885% | 331 |
| Net charge-offs to loans | 3.6012% | 179 |
| Credit loss provision to net charge-offs | 27.7847% | 3,661 |
| Earnings coverage of net charge-offs (x) | 4.7960% | 2,502 |
| Efficiency ratio | 22.5166% | 7,267 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3028% | 66 |
| Loan loss allowance to noncurrent loans | 468.6350% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 6,074 |
| Noncurrent loans to loans | 1.3449% | 4,096 |
| Net loans and leases to total assets | 22.6456% | 7,105 |
| Net loans and leases to deposits | 31.8774% | 7,012 |
| Net loans and leases to core deposits | 31.8774% | 7,039 |
| Total domestic deposits to total assets | 71.0399% | 6,933 |
| Equity capital to assets | 18.0536% | 334 |
| Core capital (leverage) ratio | 17.2023% | 341 |
| Tier 1 risk-based capital ratio | 34.2669% | 357 |
| Total risk-based capital ratio | 35.5372% | 349 |
| Memoranda: | ||
| Average total assets | $355,095,000 | 1,866 |
| Average earning assets | $318,645,000 | 1,882 |
| Average equity | $56,207,500 | 1,264 |
| Average total loans | $88,748,000 | 3,860 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 4,346 |
| Cost of funding earning assets | 1.5385% | 615 |
| Net interest margin | 3.1374% | 6,252 |
| Noninterest income to average assets | 1.8139% | 439 |
| Noninterest expense to average assets | 0.8704% | 7,306 |
| Loan and lease loss provision to assets | 0.3003% | 3,265 |
| Net operating income to assets | 2.4942% | 133 |
| Return on assets (ROA) | 2.4942% | 140 |
| Pretax return on assets | 3.5210% | 92 |
| Return on Equity (ROE) | 19.5137% | 285 |
| Retained earnings to average equity (ytd only) | 19.5137% | 54 |
| Net charge-offs to loans | 3.7757% | 181 |
| Credit loss provision to net charge-offs | 37.0648% | 5,677 |
| Earnings coverage of net charge-offs (x) | 4.7159% | 3,005 |
| Efficiency ratio | 15.2644% | 7,339 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3809% | 140 |
| Loan loss allowance to noncurrent loans | 401.9288% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 6,115 |
| Noncurrent loans to loans | 1.3388% | 4,136 |
| Net loans and leases to total assets | 24.2792% | 7,152 |
| Net loans and leases to deposits | 31.7026% | 7,098 |
| Net loans and leases to core deposits | 18,499.2233% | 10 |
| Total domestic deposits to total assets | 76.5842% | 6,394 |
| Equity capital to assets | 14.0271% | 1,049 |
| Core capital (leverage) ratio | 12.0457% | 1,564 |
| Tier 1 risk-based capital ratio | 32.8811% | 393 |
| Total risk-based capital ratio | 34.1559% | 388 |
| Memoranda: | ||
| Average total assets | $379,243,000 | 1,707 |
| Average earning assets | $347,868,200 | 1,708 |
| Average equity | $48,473,600 | 1,408 |
| Average total loans | $81,389,200 | 4,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 3,920 |
| Cost of funding earning assets | 1.5592% | 694 |
| Net interest margin | 3.2651% | 5,965 |
| Noninterest income to average assets | 0.0181% | 7,055 |
| Noninterest expense to average assets | 1.2668% | 7,325 |
| Loan and lease loss provision to assets | 1.1561% | 690 |
| Net operating income to assets | 0.3582% | 5,171 |
| Return on assets (ROA) | 0.3582% | 5,359 |
| Pretax return on assets | 0.5532% | 4,962 |
| Return on Equity (ROE) | 2.8755% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.8755% | 4,636 |
| Net charge-offs to loans | 4.1986% | 143 |
| Credit loss provision to net charge-offs | 135.2136% | 2,357 |
| Earnings coverage of net charge-offs (x) | 1.9992% | 4,149 |
| Efficiency ratio | 37.3451% | 7,297 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4217% | 14 |
| Loan loss allowance to noncurrent loans | 472.9527% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 5,946 |
| Noncurrent loans to loans | 2.4150% | 2,867 |
| Net loans and leases to total assets | 16.7865% | 7,324 |
| Net loans and leases to deposits | 21.1648% | 7,317 |
| Net loans and leases to core deposits | 12,644.3340% | 12 |
| Total domestic deposits to total assets | 79.3133% | 5,913 |
| Equity capital to assets | 12.2975% | 2,024 |
| Core capital (leverage) ratio | 12.6577% | 1,368 |
| Tier 1 risk-based capital ratio | 30.3468% | 519 |
| Total risk-based capital ratio | 31.6475% | 507 |
| Memoranda: | ||
| Average total assets | $375,954,250 | 1,733 |
| Average earning assets | $340,603,500 | 1,752 |
| Average equity | $46,831,500 | 1,455 |
| Average total loans | $76,564,250 | 4,292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 3,198 |
| Cost of funding earning assets | 1.5704% | 788 |
| Net interest margin | 3.4206% | 5,478 |
| Noninterest income to average assets | 0.0192% | 7,149 |
| Noninterest expense to average assets | 1.1131% | 7,438 |
| Loan and lease loss provision to assets | 0.1435% | 4,511 |
| Net operating income to assets | 1.1995% | 1,570 |
| Return on assets (ROA) | 1.1995% | 1,652 |
| Pretax return on assets | 1.8529% | 783 |
| Return on Equity (ROE) | 9.5884% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.5884% | 939 |
| Net charge-offs to loans | 4.1714% | 187 |
| Credit loss provision to net charge-offs | 16.5031% | 5,184 |
| Earnings coverage of net charge-offs (x) | 2.2963% | 3,678 |
| Efficiency ratio | 30.7890% | 7,434 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3197% | 30 |
| Loan loss allowance to noncurrent loans | 460.1382% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 6,266 |
| Noncurrent loans to loans | 1.8081% | 3,742 |
| Net loans and leases to total assets | 17.5371% | 7,393 |
| Net loans and leases to deposits | 21.9644% | 7,394 |
| Net loans and leases to core deposits | 11,521.6405% | 13 |
| Total domestic deposits to total assets | 79.8432% | 5,869 |
| Equity capital to assets | 12.7059% | 1,672 |
| Core capital (leverage) ratio | 12.9259% | 1,193 |
| Tier 1 risk-based capital ratio | 31.0293% | 488 |
| Total risk-based capital ratio | 32.3118% | 480 |
| Memoranda: | ||
| Average total assets | $374,978,670 | 1,743 |
| Average earning assets | $338,771,000 | 1,764 |
| Average equity | $46,911,000 | 1,444 |
| Average total loans | $78,151,670 | 4,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 2,159 |
| Cost of funding earning assets | 1.5691% | 917 |
| Net interest margin | 3.6506% | 4,324 |
| Noninterest income to average assets | 0.0214% | 7,238 |
| Noninterest expense to average assets | 1.1672% | 7,494 |
| Loan and lease loss provision to assets | -0.7289% | 7,549 |
| Net operating income to assets | 1.8544% | 444 |
| Return on assets (ROA) | 1.8544% | 467 |
| Pretax return on assets | 2.8655% | 163 |
| Return on Equity (ROE) | 14.9406% | 829 |
| Retained earnings to average equity (ytd only) | 14.9406% | 395 |
| Net charge-offs to loans | 4.5751% | 181 |
| Credit loss provision to net charge-offs | -73.4123% | 5,682 |
| Earnings coverage of net charge-offs (x) | 2.1518% | 3,228 |
| Efficiency ratio | 30.6050% | 7,493 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2200% | 36 |
| Loan loss allowance to noncurrent loans | 480.4184% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 6,396 |
| Noncurrent loans to loans | 1.7110% | 3,925 |
| Net loans and leases to total assets | 17.1185% | 7,460 |
| Net loans and leases to deposits | 21.3120% | 7,457 |
| Net loans and leases to core deposits | 8,281.7829% | 14 |
| Total domestic deposits to total assets | 80.3231% | 5,861 |
| Equity capital to assets | 12.6365% | 1,556 |
| Core capital (leverage) ratio | 13.6270% | 930 |
| Tier 1 risk-based capital ratio | 30.9284% | 483 |
| Total risk-based capital ratio | 32.2095% | 467 |
| Memoranda: | ||
| Average total assets | $374,241,000 | 1,759 |
| Average earning assets | $336,495,000 | 1,784 |
| Average equity | $46,450,500 | 1,447 |
| Average total loans | $81,222,500 | 4,215 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 5,206 |
| Cost of funding earning assets | 1.2479% | 4,230 |
| Net interest margin | 3.6091% | 4,775 |
| Noninterest income to average assets | 0.0366% | 7,169 |
| Noninterest expense to average assets | 1.1769% | 7,549 |
| Loan and lease loss provision to assets | 1.4270% | 1,051 |
| Net operating income to assets | 0.4242% | 4,436 |
| Return on assets (ROA) | 0.4242% | 4,573 |
| Pretax return on assets | 0.6555% | 4,143 |
| Return on Equity (ROE) | 3.3003% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.3003% | 3,558 |
| Net charge-offs to loans | 5.4112% | 144 |
| Credit loss provision to net charge-offs | 116.1200% | 3,707 |
| Earnings coverage of net charge-offs (x) | 1.6946% | 4,457 |
| Efficiency ratio | 30.9770% | 7,581 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9393% | 45 |
| Loan loss allowance to noncurrent loans | 564.2364% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 6,386 |
| Noncurrent loans to loans | 1.4071% | 4,374 |
| Net loans and leases to total assets | 22.7927% | 7,489 |
| Net loans and leases to deposits | 30.9428% | 7,446 |
| Net loans and leases to core deposits | 16,650.5859% | 12 |
| Total domestic deposits to total assets | 73.6610% | 6,929 |
| Equity capital to assets | 12.1871% | 1,804 |
| Core capital (leverage) ratio | 10.7598% | 2,337 |
| Tier 1 risk-based capital ratio | 25.8608% | 769 |
| Total risk-based capital ratio | 27.1469% | 744 |
| Memoranda: | ||
| Average total assets | $349,815,000 | 1,870 |
| Average earning assets | $312,374,000 | 1,902 |
| Average equity | $44,965,400 | 1,486 |
| Average total loans | $79,445,800 | 4,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9881% | 4,877 |
| Cost of funding earning assets | 1.1879% | 4,922 |
| Net interest margin | 3.8001% | 3,973 |
| Noninterest income to average assets | 0.0229% | 7,385 |
| Noninterest expense to average assets | 1.1845% | 7,665 |
| Loan and lease loss provision to assets | 1.0042% | 1,478 |
| Net operating income to assets | 0.7986% | 3,002 |
| Return on assets (ROA) | 0.7986% | 3,166 |
| Pretax return on assets | 1.2326% | 2,384 |
| Return on Equity (ROE) | 6.1263% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.1263% | 2,294 |
| Net charge-offs to loans | 5.6076% | 132 |
| Credit loss provision to net charge-offs | 80.8305% | 5,106 |
| Earnings coverage of net charge-offs (x) | 1.8005% | 4,362 |
| Efficiency ratio | 29.6565% | 7,687 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7013% | 30 |
| Loan loss allowance to noncurrent loans | 478.3228% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 6,554 |
| Noncurrent loans to loans | 1.8191% | 3,918 |
| Net loans and leases to total assets | 16.6088% | 7,651 |
| Net loans and leases to deposits | 23.0277% | 7,642 |
| Net loans and leases to core deposits | 13,053.0864% | 13 |
| Total domestic deposits to total assets | 72.1256% | 7,115 |
| Equity capital to assets | 12.0847% | 2,101 |
| Core capital (leverage) ratio | 13.3326% | 1,107 |
| Tier 1 risk-based capital ratio | 29.4909% | 541 |
| Total risk-based capital ratio | 30.7732% | 525 |
| Memoranda: | ||
| Average total assets | $343,762,000 | 1,926 |
| Average earning assets | $307,418,750 | 1,964 |
| Average equity | $44,811,000 | 1,496 |
| Average total loans | $76,156,500 | 4,521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 3,286 |
| Cost of funding earning assets | 1.1970% | 5,147 |
| Net interest margin | 4.1389% | 2,383 |
| Noninterest income to average assets | 0.0260% | 7,445 |
| Noninterest expense to average assets | 1.2120% | 7,733 |
| Loan and lease loss provision to assets | 1.6482% | 783 |
| Net operating income to assets | 0.5528% | 4,079 |
| Return on assets (ROA) | 0.5528% | 4,219 |
| Pretax return on assets | 0.8531% | 3,691 |
| Return on Equity (ROE) | 4.1252% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.1252% | 3,445 |
| Net charge-offs to loans | 5.6978% | 152 |
| Credit loss provision to net charge-offs | 122.1675% | 3,310 |
| Earnings coverage of net charge-offs (x) | 1.8540% | 4,129 |
| Efficiency ratio | 27.8881% | 7,761 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9505% | 22 |
| Loan loss allowance to noncurrent loans | 590.7514% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 6,510 |
| Noncurrent loans to loans | 1.6844% | 4,167 |
| Net loans and leases to total assets | 19.6319% | 7,697 |
| Net loans and leases to deposits | 28.6932% | 7,655 |
| Net loans and leases to core deposits | 10,195.5906% | 14 |
| Total domestic deposits to total assets | 68.4201% | 7,412 |
| Equity capital to assets | 13.6497% | 1,288 |
| Core capital (leverage) ratio | 12.6446% | 1,348 |
| Tier 1 risk-based capital ratio | 30.6328% | 472 |
| Total risk-based capital ratio | 31.9272% | 468 |
| Memoranda: | ||
| Average total assets | $331,031,670 | 2,006 |
| Average earning assets | $294,909,330 | 2,058 |
| Average equity | $44,362,000 | 1,505 |
| Average total loans | $78,380,670 | 4,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4419% | 2,858 |
| Cost of funding earning assets | 1.0556% | 6,109 |
| Net interest margin | 4.3863% | 1,426 |
| Noninterest income to average assets | 0.0314% | 7,552 |
| Noninterest expense to average assets | 1.2615% | 7,816 |
| Loan and lease loss provision to assets | 2.9090% | 347 |
| Net operating income to assets | -0.1520% | 6,484 |
| Return on assets (ROA) | -0.1520% | 6,560 |
| Pretax return on assets | -0.2352% | 6,588 |
| Return on Equity (ROE) | -1.1445% | 6,541 |
| Retained earnings to average equity (ytd only) | -1.1445% | 6,069 |
| Net charge-offs to loans | 5.6014% | 200 |
| Credit loss provision to net charge-offs | 211.0236% | 1,765 |
| Earnings coverage of net charge-offs (x) | 1.9396% | 3,570 |
| Efficiency ratio | 27.5820% | 7,867 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3557% | 16 |
| Loan loss allowance to noncurrent loans | 636.2761% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 6,478 |
| Noncurrent loans to loans | 1.7847% | 4,073 |
| Net loans and leases to total assets | 19.7742% | 7,789 |
| Net loans and leases to deposits | 30.8153% | 7,718 |
| Net loans and leases to core deposits | 7,438.3413% | 18 |
| Total domestic deposits to total assets | 64.1701% | 7,676 |
| Equity capital to assets | 14.0503% | 1,122 |
| Core capital (leverage) ratio | 13.2730% | 1,134 |
| Tier 1 risk-based capital ratio | 30.5712% | 498 |
| Total risk-based capital ratio | 31.8741% | 483 |
| Memoranda: | ||
| Average total assets | $331,658,000 | 2,055 |
| Average earning assets | $295,188,500 | 2,114 |
| Average equity | $44,036,000 | 1,524 |
| Average total loans | $81,623,000 | 4,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5531% | 3,853 |
| Cost of funding earning assets | 0.3610% | 7,884 |
| Net interest margin | 5.1921% | 297 |
| Noninterest income to average assets | 0.0228% | 7,613 |
| Noninterest expense to average assets | 1.3031% | 7,874 |
| Loan and lease loss provision to assets | 1.5968% | 1,432 |
| Net operating income to assets | 1.1400% | 1,412 |
| Return on assets (ROA) | 1.1400% | 1,440 |
| Pretax return on assets | 1.7634% | 681 |
| Return on Equity (ROE) | 9.1907% | 1,961 |
| Retained earnings to average equity (ytd only) | 9.1907% | 468 |
| Net charge-offs to loans | 3.2297% | 633 |
| Credit loss provision to net charge-offs | 114.6859% | 4,771 |
| Earnings coverage of net charge-offs (x) | 2.4134% | 3,921 |
| Efficiency ratio | 24.2365% | 7,967 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1272% | 60 |
| Loan loss allowance to noncurrent loans | 509.0979% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 6,514 |
| Noncurrent loans to loans | 1.4000% | 4,585 |
| Net loans and leases to total assets | 24.7674% | 7,796 |
| Net loans and leases to deposits | 38.4740% | 7,665 |
| Net loans and leases to core deposits | 16,249.4382% | 6 |
| Total domestic deposits to total assets | 64.3743% | 7,699 |
| Equity capital to assets | 12.5872% | 1,708 |
| Core capital (leverage) ratio | 9.6703% | 3,498 |
| Tier 1 risk-based capital ratio | 26.2419% | 745 |
| Total risk-based capital ratio | 27.5255% | 730 |
| Memoranda: | ||
| Average total assets | $338,430,400 | 2,013 |
| Average earning assets | $302,481,200 | 2,054 |
| Average equity | $41,977,000 | 1,589 |
| Average total loans | $145,895,200 | 2,982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 3,881 |
| Cost of funding earning assets | 0.3393% | 7,985 |
| Net interest margin | 5.2572% | 279 |
| Noninterest income to average assets | 0.0203% | 7,768 |
| Noninterest expense to average assets | 1.5946% | 7,836 |
| Loan and lease loss provision to assets | 1.5235% | 1,253 |
| Net operating income to assets | 1.0322% | 1,959 |
| Return on assets (ROA) | 1.0322% | 2,024 |
| Pretax return on assets | 1.5887% | 1,197 |
| Return on Equity (ROE) | 8.3543% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.3543% | 1,024 |
| Net charge-offs to loans | 2.8819% | 604 |
| Credit loss provision to net charge-offs | 111.5217% | 4,560 |
| Earnings coverage of net charge-offs (x) | 2.2782% | 4,113 |
| Efficiency ratio | 30.1723% | 8,008 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7421% | 351 |
| Loan loss allowance to noncurrent loans | 455.8023% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 6,466 |
| Noncurrent loans to loans | 0.8210% | 5,655 |
| Net loans and leases to total assets | 46.3548% | 7,081 |
| Net loans and leases to deposits | 59.3888% | 6,874 |
| Net loans and leases to core deposits | 27,324.7078% | 4 |
| Total domestic deposits to total assets | 78.0530% | 6,074 |
| Equity capital to assets | 12.1325% | 2,169 |
| Core capital (leverage) ratio | 13.3533% | 1,277 |
| Tier 1 risk-based capital ratio | 28.1186% | 680 |
| Total risk-based capital ratio | 29.4045% | 663 |
| Memoranda: | ||
| Average total assets | $335,451,000 | 2,043 |
| Average earning assets | $299,037,500 | 2,098 |
| Average equity | $41,446,500 | 1,636 |
| Average total loans | $159,011,250 | 2,809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7602% | 3,248 |
| Cost of funding earning assets | 0.3918% | 8,075 |
| Net interest margin | 5.3684% | 221 |
| Noninterest income to average assets | 0.0200% | 7,867 |
| Noninterest expense to average assets | 1.8485% | 7,685 |
| Loan and lease loss provision to assets | 1.5596% | 1,091 |
| Net operating income to assets | 0.9054% | 2,438 |
| Return on assets (ROA) | 0.9054% | 2,537 |
| Pretax return on assets | 1.3933% | 1,747 |
| Return on Equity (ROE) | 7.2812% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.2812% | 1,476 |
| Net charge-offs to loans | 2.8905% | 565 |
| Credit loss provision to net charge-offs | 114.4766% | 4,043 |
| Earnings coverage of net charge-offs (x) | 2.1675% | 3,988 |
| Efficiency ratio | 34.8079% | 8,076 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6459% | 335 |
| Loan loss allowance to noncurrent loans | 438.3972% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 6,336 |
| Noncurrent loans to loans | 0.8316% | 5,561 |
| Net loans and leases to total assets | 51.5505% | 6,734 |
| Net loans and leases to deposits | 66.3236% | 6,359 |
| Net loans and leases to core deposits | 24,450.0000% | 4 |
| Total domestic deposits to total assets | 77.7257% | 6,147 |
| Equity capital to assets | 12.9400% | 1,719 |
| Core capital (leverage) ratio | 12.8134% | 1,497 |
| Tier 1 risk-based capital ratio | 28.7315% | 678 |
| Total risk-based capital ratio | 30.0196% | 663 |
| Memoranda: | ||
| Average total assets | $329,570,670 | 2,101 |
| Average earning assets | $293,530,330 | 2,149 |
| Average equity | $40,982,330 | 1,656 |
| Average total loans | $155,335,670 | 2,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6204% | 4,235 |
| Cost of funding earning assets | 0.4001% | 8,135 |
| Net interest margin | 5.2203% | 272 |
| Noninterest income to average assets | 0.0144% | 8,002 |
| Noninterest expense to average assets | 2.1015% | 7,111 |
| Loan and lease loss provision to assets | 1.2033% | 1,075 |
| Net operating income to assets | 0.8754% | 2,818 |
| Return on assets (ROA) | 0.8754% | 2,962 |
| Pretax return on assets | 1.3474% | 2,126 |
| Return on Equity (ROE) | 7.1811% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.1811% | 2,142 |
| Net charge-offs to loans | 3.0206% | 420 |
| Credit loss provision to net charge-offs | 90.4332% | 3,993 |
| Earnings coverage of net charge-offs (x) | 1.9170% | 3,759 |
| Efficiency ratio | 41.4042% | 8,012 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9617% | 496 |
| Loan loss allowance to noncurrent loans | 417.9743% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 6,293 |
| Noncurrent loans to loans | 0.7086% | 5,639 |
| Net loans and leases to total assets | 54.8364% | 6,379 |
| Net loans and leases to deposits | 69.5308% | 6,020 |
| Net loans and leases to core deposits | 16,975.7737% | 5 |
| Total domestic deposits to total assets | 78.8664% | 5,775 |
| Equity capital to assets | 11.7018% | 2,448 |
| Core capital (leverage) ratio | 13.4272% | 1,349 |
| Tier 1 risk-based capital ratio | 26.5842% | 842 |
| Total risk-based capital ratio | 27.8657% | 831 |
| Memoranda: | ||
| Average total assets | $333,096,500 | 2,093 |
| Average earning assets | $295,923,500 | 2,148 |
| Average equity | $40,606,500 | 1,674 |
| Average total loans | $146,728,000 | 3,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8456% | 1,541 |
| Cost of funding earning assets | 2.7439% | 2,954 |
| Net interest margin | 4.1017% | 2,704 |
| Noninterest income to average assets | 0.0163% | 8,046 |
| Noninterest expense to average assets | 1.1723% | 8,171 |
| Loan and lease loss provision to assets | 1.8717% | 666 |
| Net operating income to assets | 0.4152% | 5,094 |
| Return on assets (ROA) | 0.4152% | 4,906 |
| Pretax return on assets | 0.6458% | 4,561 |
| Return on Equity (ROE) | 3.7153% | 4,937 |
| Retained earnings to average equity (ytd only) | 3.7153% | 2,825 |
| Net charge-offs to loans | 4.7228% | 112 |
| Credit loss provision to net charge-offs | 177.1641% | 2,858 |
| Earnings coverage of net charge-offs (x) | 2.3829% | 4,887 |
| Efficiency ratio | 27.3246% | 8,241 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2416% | 48 |
| Loan loss allowance to noncurrent loans | 409.2593% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 5,839 |
| Noncurrent loans to loans | 1.5251% | 3,502 |
| Net loans and leases to total assets | 28.3588% | 8,028 |
| Net loans and leases to deposits | 39.7005% | 7,947 |
| Net loans and leases to core deposits | 11,595.4722% | 8 |
| Total domestic deposits to total assets | 71.4318% | 7,097 |
| Equity capital to assets | 12.7321% | 1,903 |
| Core capital (leverage) ratio | 8.8520% | 4,969 |
| Tier 1 risk-based capital ratio | 24.2026% | 1,065 |
| Total risk-based capital ratio | 25.4817% | 1,042 |
| Memoranda: | ||
| Average total assets | $356,466,800 | 1,880 |
| Average earning assets | $319,255,000 | 1,910 |
| Average equity | $39,835,800 | 1,691 |
| Average total loans | $79,740,200 | 4,522 |