Home > Envision Bank > Performance and Condition Ratios
Envision Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 2,550 |
| Cost of funding earning assets | 0.3314% | 1,845 |
| Net interest margin | 3.1889% | 2,659 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 3.8551% | 360 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.0915% | 4,548 |
| Return on assets (ROA) | 0.0915% | 4,519 |
| Pretax return on assets | -0.0257% | 4,578 |
| Return on Equity (ROE) | 0.8600% | 4,505 |
| Retained earnings to average equity (ytd only) | -16.4721% | 4,720 |
| Net charge-offs to loans | 0.0057% | 1,960 |
| Credit loss provision to net charge-offs | 2,360.7143% | 218 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,770 |
| Efficiency ratio | 97.7344% | 184 |
| Assets per employee ($millions) | 5.5083% | 3,210 |
| Cash dividends to net income (ytd only)* | 2,018.3486% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 3,675 |
| Loan loss allowance to noncurrent loans | 335.5308% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,632 |
| Noncurrent loans to loans | 0.2845% | 2,231 |
| Net loans and leases to total assets | 86.3600% | 101 |
| Net loans and leases to deposits | 114.8577% | 78 |
| Net loans and leases to core deposits | 130.7605% | 143 |
| Total domestic deposits to total assets | 75.1800% | 4,400 |
| Equity capital to assets | 10.0826% | 1,575 |
| Core capital (leverage) ratio | 10.9862% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3946% | 1,604 |
| Memoranda: | ||
| Average total assets | $794,559,000 | 1,198 |
| Average earning assets | $744,689,500 | 1,180 |
| Average equity | $84,625,750 | 1,093 |
| Average total loans | $650,864,500 | 963 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 2,658 |
| Cost of funding earning assets | 0.2462% | 2,322 |
| Net interest margin | 3.0790% | 2,607 |
| Noninterest income to average assets | 1.0269% | 631 |
| Noninterest expense to average assets | 4.1278% | 260 |
| Loan and lease loss provision to assets | 0.0869% | 1,133 |
| Net operating income to assets | 0.0123% | 4,572 |
| Return on assets (ROA) | 0.0123% | 4,544 |
| Pretax return on assets | -0.3033% | 4,622 |
| Return on Equity (ROE) | 0.1131% | 4,543 |
| Retained earnings to average equity (ytd only) | -25.8057% | 4,740 |
| Net charge-offs to loans | 0.0086% | 1,662 |
| Credit loss provision to net charge-offs | 1,259.2593% | 343 |
| Earnings coverage of net charge-offs (x) | -31.3333% | 2,140 |
| Efficiency ratio | 105.3736% | 139 |
| Assets per employee ($millions) | 5.1282% | 3,564 |
| Cash dividends to net income (ytd only)* | 22,916.6667% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,688 |
| Loan loss allowance to noncurrent loans | 237.3966% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 1,561 |
| Noncurrent loans to loans | 0.4126% | 1,878 |
| Net loans and leases to total assets | 86.1819% | 82 |
| Net loans and leases to deposits | 102.8087% | 191 |
| Net loans and leases to core deposits | 114.9800% | 261 |
| Total domestic deposits to total assets | 83.8274% | 3,717 |
| Equity capital to assets | 10.4638% | 1,448 |
| Core capital (leverage) ratio | 11.1295% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3018% | 1,629 |
| Memoranda: | ||
| Average total assets | $782,163,000 | 1,208 |
| Average earning assets | $732,769,000 | 1,207 |
| Average equity | $84,880,333 | 1,109 |
| Average total loans | $626,092,667 | 990 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1122% | 2,945 |
| Cost of funding earning assets | 0.2510% | 2,144 |
| Net interest margin | 2.8612% | 2,955 |
| Noninterest income to average assets | 1.1154% | 545 |
| Noninterest expense to average assets | 4.4134% | 217 |
| Loan and lease loss provision to assets | 0.0361% | 1,708 |
| Net operating income to assets | -0.1074% | 4,601 |
| Return on assets (ROA) | -0.1074% | 4,582 |
| Pretax return on assets | -0.6539% | 4,702 |
| Return on Equity (ROE) | -0.9723% | 4,586 |
| Retained earnings to average equity (ytd only) | -51.6594% | 4,780 |
| Net charge-offs to loans | 0.0020% | 1,757 |
| Credit loss provision to net charge-offs | 2,366.6667% | 186 |
| Earnings coverage of net charge-offs (x) | -404.6667% | 1,836 |
| Efficiency ratio | 116.2488% | 97 |
| Assets per employee ($millions) | 4.7493% | 3,965 |
| Cash dividends to net income (ytd only)* | -5,213.2701% | 4,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,553 |
| Loan loss allowance to noncurrent loans | 237.1130% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 1,713 |
| Noncurrent loans to loans | 0.4405% | 1,926 |
| Net loans and leases to total assets | 78.2813% | 358 |
| Net loans and leases to deposits | 95.4362% | 298 |
| Net loans and leases to core deposits | 104.6173% | 376 |
| Total domestic deposits to total assets | 82.0247% | 4,071 |
| Equity capital to assets | 10.4614% | 1,604 |
| Core capital (leverage) ratio | 10.4895% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4442% | 1,657 |
| Memoranda: | ||
| Average total assets | $786,067,000 | 1,207 |
| Average earning assets | $736,326,000 | 1,205 |
| Average equity | $86,807,000 | 1,118 |
| Average total loans | $602,161,000 | 1,019 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 2,823 |
| Cost of funding earning assets | 0.3073% | 2,337 |
| Net interest margin | 3.1337% | 2,792 |
| Noninterest income to average assets | 4.2466% | 128 |
| Noninterest expense to average assets | 5.5333% | 147 |
| Loan and lease loss provision to assets | -0.0583% | 4,395 |
| Net operating income to assets | 1.2835% | 1,653 |
| Return on assets (ROA) | 1.2835% | 1,707 |
| Pretax return on assets | 1.6926% | 1,168 |
| Return on Equity (ROE) | 10.4747% | 2,359 |
| Retained earnings to average equity (ytd only) | 1.7901% | 4,045 |
| Net charge-offs to loans | 0.0093% | 2,227 |
| Credit loss provision to net charge-offs | -768.4211% | 3,864 |
| Earnings coverage of net charge-offs (x) | 215.5439% | 514 |
| Efficiency ratio | 77.1820% | 1,010 |
| Assets per employee ($millions) | 4.3866% | 4,204 |
| Cash dividends to net income (ytd only)* | 82.9101% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,544 |
| Loan loss allowance to noncurrent loans | 239.6723% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,929 |
| Noncurrent loans to loans | 0.4405% | 2,036 |
| Net loans and leases to total assets | 73.4216% | 716 |
| Net loans and leases to deposits | 91.5288% | 499 |
| Net loans and leases to core deposits | 102.7571% | 441 |
| Total domestic deposits to total assets | 80.2170% | 4,202 |
| Equity capital to assets | 11.6008% | 1,458 |
| Core capital (leverage) ratio | 12.2931% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4392% | 1,173 |
| Memoranda: | ||
| Average total assets | $751,762,400 | 1,217 |
| Average earning assets | $700,728,200 | 1,222 |
| Average equity | $92,117,200 | 1,079 |
| Average total loans | $612,970,000 | 989 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 2,892 |
| Cost of funding earning assets | 0.3277% | 2,326 |
| Net interest margin | 3.1536% | 2,885 |
| Noninterest income to average assets | 4.9416% | 114 |
| Noninterest expense to average assets | 5.8377% | 127 |
| Loan and lease loss provision to assets | -0.0595% | 4,491 |
| Net operating income to assets | 1.6008% | 1,029 |
| Return on assets (ROA) | 1.6008% | 1,075 |
| Pretax return on assets | 2.0979% | 676 |
| Return on Equity (ROE) | 12.8780% | 1,733 |
| Retained earnings to average equity (ytd only) | 5.6211% | 2,991 |
| Net charge-offs to loans | 0.0048% | 2,160 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | 513.5455% | 293 |
| Efficiency ratio | 74.1038% | 1,208 |
| Assets per employee ($millions) | 4.0818% | 4,396 |
| Cash dividends to net income (ytd only)* | 56.3507% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,868 |
| Loan loss allowance to noncurrent loans | 427.6596% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,794 |
| Noncurrent loans to loans | 0.2327% | 3,008 |
| Net loans and leases to total assets | 85.2165% | 82 |
| Net loans and leases to deposits | 111.0076% | 89 |
| Net loans and leases to core deposits | 126.5172% | 139 |
| Total domestic deposits to total assets | 76.7663% | 4,505 |
| Equity capital to assets | 12.6693% | 1,104 |
| Core capital (leverage) ratio | 12.7840% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7943% | 1,389 |
| Memoranda: | ||
| Average total assets | $739,017,250 | 1,251 |
| Average earning assets | $687,660,000 | 1,259 |
| Average equity | $91,865,250 | 1,097 |
| Average total loans | $617,293,500 | 992 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 3,273 |
| Cost of funding earning assets | 0.3545% | 2,274 |
| Net interest margin | 3.0127% | 3,286 |
| Noninterest income to average assets | 5.2353% | 111 |
| Noninterest expense to average assets | 6.1349% | 123 |
| Loan and lease loss provision to assets | -0.0653% | 4,550 |
| Net operating income to assets | 1.5548% | 1,157 |
| Return on assets (ROA) | 1.5548% | 1,215 |
| Pretax return on assets | 1.9662% | 890 |
| Return on Equity (ROE) | 12.5902% | 1,855 |
| Retained earnings to average equity (ytd only) | 1.5732% | 4,224 |
| Net charge-offs to loans | 0.0069% | 1,885 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,692 |
| Earnings coverage of net charge-offs (x) | 332.6667% | 349 |
| Efficiency ratio | 76.3274% | 1,052 |
| Assets per employee ($millions) | 3.7206% | 4,595 |
| Cash dividends to net income (ytd only)* | 87.5044% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,627 |
| Loan loss allowance to noncurrent loans | 101.8900% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 906 |
| Noncurrent loans to loans | 1.0302% | 1,190 |
| Net loans and leases to total assets | 82.6392% | 190 |
| Net loans and leases to deposits | 105.3519% | 167 |
| Net loans and leases to core deposits | 121.3155% | 205 |
| Total domestic deposits to total assets | 78.4411% | 4,391 |
| Equity capital to assets | 12.3237% | 1,209 |
| Core capital (leverage) ratio | 12.6344% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7928% | 1,390 |
| Memoranda: | ||
| Average total assets | $735,005,667 | 1,245 |
| Average earning assets | $683,238,333 | 1,250 |
| Average equity | $90,769,333 | 1,101 |
| Average total loans | $607,574,000 | 1,021 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 3,215 |
| Cost of funding earning assets | 0.3946% | 2,142 |
| Net interest margin | 2.9980% | 3,258 |
| Noninterest income to average assets | 6.8035% | 95 |
| Noninterest expense to average assets | 6.5472% | 112 |
| Loan and lease loss provision to assets | -0.1166% | 4,739 |
| Net operating income to assets | 2.2501% | 381 |
| Return on assets (ROA) | 2.2501% | 412 |
| Pretax return on assets | 3.1608% | 199 |
| Return on Equity (ROE) | 18.2010% | 705 |
| Retained earnings to average equity (ytd only) | -3.9467% | 4,650 |
| Net charge-offs to loans | 0.0053% | 1,713 |
| Credit loss provision to net charge-offs | -2,662.5000% | 3,608 |
| Earnings coverage of net charge-offs (x) | 694.8750% | 134 |
| Efficiency ratio | 68.2501% | 1,901 |
| Assets per employee ($millions) | 3.7648% | 4,600 |
| Cash dividends to net income (ytd only)* | 121.6841% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,388 |
| Loan loss allowance to noncurrent loans | 78.9961% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 670 |
| Noncurrent loans to loans | 1.4040% | 901 |
| Net loans and leases to total assets | 79.3006% | 380 |
| Net loans and leases to deposits | 102.2403% | 236 |
| Net loans and leases to core deposits | 111.9330% | 359 |
| Total domestic deposits to total assets | 77.5630% | 4,472 |
| Equity capital to assets | 12.1489% | 1,223 |
| Core capital (leverage) ratio | 12.1547% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9442% | 1,305 |
| Memoranda: | ||
| Average total assets | $730,448,000 | 1,241 |
| Average earning assets | $679,247,500 | 1,244 |
| Average equity | $90,302,500 | 1,094 |
| Average total loans | $600,631,500 | 1,032 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 3,670 |
| Cost of funding earning assets | 0.7330% | 1,551 |
| Net interest margin | 2.9296% | 4,057 |
| Noninterest income to average assets | 8.0123% | 88 |
| Noninterest expense to average assets | 6.7014% | 111 |
| Loan and lease loss provision to assets | 0.3690% | 895 |
| Net operating income to assets | 2.8793% | 103 |
| Return on assets (ROA) | 2.8793% | 106 |
| Pretax return on assets | 3.6703% | 80 |
| Return on Equity (ROE) | 24.6382% | 116 |
| Retained earnings to average equity (ytd only) | 18.4518% | 80 |
| Net charge-offs to loans | 0.0085% | 3,029 |
| Credit loss provision to net charge-offs | 5,316.6667% | 201 |
| Earnings coverage of net charge-offs (x) | 581.9792% | 205 |
| Efficiency ratio | 62.3618% | 3,064 |
| Assets per employee ($millions) | 3.6150% | 4,602 |
| Cash dividends to net income (ytd only)* | 25.1092% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,400 |
| Loan loss allowance to noncurrent loans | 94.5901% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 936 |
| Noncurrent loans to loans | 1.1766% | 1,206 |
| Net loans and leases to total assets | 83.3693% | 207 |
| Net loans and leases to deposits | 111.8593% | 144 |
| Net loans and leases to core deposits | 124.6123% | 260 |
| Total domestic deposits to total assets | 74.5305% | 4,608 |
| Equity capital to assets | 12.5807% | 1,281 |
| Core capital (leverage) ratio | 12.6520% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6848% | 1,631 |
| Memoranda: | ||
| Average total assets | $691,586,000 | 1,198 |
| Average earning assets | $644,081,800 | 1,186 |
| Average equity | $80,821,600 | 1,149 |
| Average total loans | $564,673,200 | 1,038 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 3,779 |
| Cost of funding earning assets | 0.8217% | 1,390 |
| Net interest margin | 2.8888% | 4,198 |
| Noninterest income to average assets | 7.7658% | 83 |
| Noninterest expense to average assets | 6.5119% | 115 |
| Loan and lease loss provision to assets | 0.4559% | 699 |
| Net operating income to assets | 2.8574% | 105 |
| Return on assets (ROA) | 2.8574% | 108 |
| Pretax return on assets | 3.4943% | 92 |
| Return on Equity (ROE) | 24.9553% | 120 |
| Retained earnings to average equity (ytd only) | 16.4398% | 142 |
| Net charge-offs to loans | 0.0051% | 2,962 |
| Credit loss provision to net charge-offs | 11,133.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 964.6190% | 123 |
| Efficiency ratio | 62.2057% | 3,039 |
| Assets per employee ($millions) | 3.6441% | 4,587 |
| Cash dividends to net income (ytd only)* | 34.1227% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,978 |
| Loan loss allowance to noncurrent loans | 61.9786% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4860% | 579 |
| Noncurrent loans to loans | 1.8385% | 709 |
| Net loans and leases to total assets | 78.9266% | 721 |
| Net loans and leases to deposits | 108.0460% | 268 |
| Net loans and leases to core deposits | 123.1110% | 352 |
| Total domestic deposits to total assets | 73.0491% | 4,634 |
| Equity capital to assets | 11.7987% | 1,801 |
| Core capital (leverage) ratio | 12.1721% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6231% | 1,619 |
| Memoranda: | ||
| Average total assets | $683,733,750 | 1,182 |
| Average earning assets | $638,179,750 | 1,181 |
| Average equity | $78,287,500 | 1,170 |
| Average total loans | $553,456,500 | 1,044 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 3,709 |
| Cost of funding earning assets | 0.9426% | 1,178 |
| Net interest margin | 2.9208% | 4,275 |
| Noninterest income to average assets | 5.9562% | 90 |
| Noninterest expense to average assets | 6.6644% | 115 |
| Loan and lease loss provision to assets | 0.5350% | 641 |
| Net operating income to assets | 1.3100% | 1,332 |
| Return on assets (ROA) | 1.3100% | 1,440 |
| Pretax return on assets | 1.4906% | 1,475 |
| Return on Equity (ROE) | 11.5682% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.5682% | 518 |
| Net charge-offs to loans | 0.0048% | 2,801 |
| Credit loss provision to net charge-offs | 13,784.6154% | 89 |
| Earnings coverage of net charge-offs (x) | 521.9231% | 197 |
| Efficiency ratio | 76.6696% | 1,195 |
| Assets per employee ($millions) | 3.4707% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,154 |
| Loan loss allowance to noncurrent loans | 158.2397% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 2,172 |
| Noncurrent loans to loans | 0.6854% | 2,159 |
| Net loans and leases to total assets | 76.1829% | 1,104 |
| Net loans and leases to deposits | 101.3729% | 474 |
| Net loans and leases to core deposits | 120.1796% | 423 |
| Total domestic deposits to total assets | 75.1512% | 4,502 |
| Equity capital to assets | 11.0502% | 2,301 |
| Core capital (leverage) ratio | 11.5828% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4382% | 1,651 |
| Memoranda: | ||
| Average total assets | $669,921,333 | 1,187 |
| Average earning assets | $627,019,667 | 1,177 |
| Average equity | $75,863,000 | 1,196 |
| Average total loans | $544,958,667 | 1,044 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,706 |
| Cost of funding earning assets | 1.0841% | 1,096 |
| Net interest margin | 2.9465% | 4,358 |
| Noninterest income to average assets | 4.0181% | 108 |
| Noninterest expense to average assets | 6.8260% | 124 |
| Loan and lease loss provision to assets | 0.4510% | 672 |
| Net operating income to assets | -0.5095% | 4,930 |
| Return on assets (ROA) | -0.5095% | 4,904 |
| Pretax return on assets | -0.5027% | 4,891 |
| Return on Equity (ROE) | -4.4386% | 4,905 |
| Retained earnings to average equity (ytd only) | -4.4386% | 4,473 |
| Net charge-offs to loans | 0.0059% | 2,360 |
| Credit loss provision to net charge-offs | 9,050.0000% | 85 |
| Earnings coverage of net charge-offs (x) | -10.3750% | 2,533 |
| Efficiency ratio | 100.7356% | 225 |
| Assets per employee ($millions) | 3.1552% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,021 |
| Loan loss allowance to noncurrent loans | 152.5496% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 2,432 |
| Noncurrent loans to loans | 0.6065% | 2,471 |
| Net loans and leases to total assets | 81.9138% | 444 |
| Net loans and leases to deposits | 104.9713% | 332 |
| Net loans and leases to core deposits | 133.1701% | 232 |
| Total domestic deposits to total assets | 78.0345% | 4,216 |
| Equity capital to assets | 11.4160% | 2,514 |
| Core capital (leverage) ratio | 11.4978% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6770% | 2,013 |
| Memoranda: | ||
| Average total assets | $642,195,000 | 1,198 |
| Average earning assets | $600,707,500 | 1,184 |
| Average equity | $73,717,000 | 1,220 |
| Average total loans | $538,103,000 | 1,031 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 3,644 |
| Cost of funding earning assets | 1.2492% | 894 |
| Net interest margin | 3.0113% | 4,503 |
| Noninterest income to average assets | 3.4296% | 126 |
| Noninterest expense to average assets | 5.7022% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5346% | 4,326 |
| Return on assets (ROA) | 0.5371% | 4,370 |
| Pretax return on assets | 0.5553% | 4,481 |
| Return on Equity (ROE) | 4.8415% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.8415% | 2,505 |
| Net charge-offs to loans | 0.0290% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 22.2229% | 1,858 |
| Efficiency ratio | 91.1272% | 313 |
| Assets per employee ($millions) | 3.0060% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 4,307 |
| Loan loss allowance to noncurrent loans | 131.3689% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,356 |
| Noncurrent loans to loans | 0.6076% | 2,366 |
| Net loans and leases to total assets | 84.2642% | 299 |
| Net loans and leases to deposits | 105.7102% | 309 |
| Net loans and leases to core deposits | 136.1723% | 210 |
| Total domestic deposits to total assets | 79.7125% | 4,040 |
| Equity capital to assets | 11.5440% | 2,495 |
| Core capital (leverage) ratio | 11.2964% | 2,255 |
| Tier 1 risk-based capital ratio | 15.8031% | 2,473 |
| Total risk-based capital ratio | 16.7376% | 2,516 |
| Memoranda: | ||
| Average total assets | $631,177,000 | 1,179 |
| Average earning assets | $592,209,600 | 1,172 |
| Average equity | $70,019,800 | 1,222 |
| Average total loans | $540,965,000 | 997 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 3,710 |
| Cost of funding earning assets | 1.2549% | 899 |
| Net interest margin | 3.0284% | 4,589 |
| Noninterest income to average assets | 3.2893% | 137 |
| Noninterest expense to average assets | 5.5945% | 152 |
| Loan and lease loss provision to assets | -0.0304% | 5,101 |
| Net operating income to assets | 0.5448% | 4,418 |
| Return on assets (ROA) | 0.5448% | 4,471 |
| Pretax return on assets | 0.5649% | 4,602 |
| Return on Equity (ROE) | 4.9614% | 4,338 |
| Retained earnings to average equity (ytd only) | 4.9614% | 2,907 |
| Net charge-offs to loans | 0.0344% | 2,385 |
| Credit loss provision to net charge-offs | -102.8571% | 4,080 |
| Earnings coverage of net charge-offs (x) | 18.0716% | 2,068 |
| Efficiency ratio | 91.2419% | 292 |
| Assets per employee ($millions) | 3.1154% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 4,553 |
| Loan loss allowance to noncurrent loans | 120.2026% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 2,396 |
| Noncurrent loans to loans | 0.6217% | 2,418 |
| Net loans and leases to total assets | 85.9493% | 197 |
| Net loans and leases to deposits | 110.1270% | 221 |
| Net loans and leases to core deposits | 143.9167% | 148 |
| Total domestic deposits to total assets | 78.0456% | 4,333 |
| Equity capital to assets | 11.2278% | 2,897 |
| Core capital (leverage) ratio | 11.0422% | 2,609 |
| Tier 1 risk-based capital ratio | 14.4554% | 3,101 |
| Total risk-based capital ratio | 15.2990% | 3,210 |
| Memoranda: | ||
| Average total assets | $631,157,250 | 1,179 |
| Average earning assets | $591,812,750 | 1,165 |
| Average equity | $69,306,750 | 1,228 |
| Average total loans | $542,155,500 | 994 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,825 |
| Cost of funding earning assets | 1.2243% | 930 |
| Net interest margin | 3.0141% | 4,661 |
| Noninterest income to average assets | 2.9550% | 158 |
| Noninterest expense to average assets | 5.3395% | 172 |
| Loan and lease loss provision to assets | -0.0459% | 5,172 |
| Net operating income to assets | 0.4611% | 4,614 |
| Return on assets (ROA) | 0.4611% | 4,646 |
| Pretax return on assets | 0.4872% | 4,716 |
| Return on Equity (ROE) | 4.2316% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,135 |
| Net charge-offs to loans | 0.0517% | 1,906 |
| Credit loss provision to net charge-offs | -103.5971% | 3,906 |
| Earnings coverage of net charge-offs (x) | 9.9640% | 2,304 |
| Efficiency ratio | 92.3213% | 271 |
| Assets per employee ($millions) | 3.1544% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,618 |
| Loan loss allowance to noncurrent loans | 179.4384% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,042 |
| Noncurrent loans to loans | 0.4143% | 3,049 |
| Net loans and leases to total assets | 84.9450% | 292 |
| Net loans and leases to deposits | 123.4059% | 64 |
| Net loans and leases to core deposits | 151.0171% | 129 |
| Total domestic deposits to total assets | 68.8338% | 5,081 |
| Equity capital to assets | 10.7794% | 3,284 |
| Core capital (leverage) ratio | 10.9066% | 2,683 |
| Tier 1 risk-based capital ratio | 14.4173% | 3,104 |
| Total risk-based capital ratio | 15.2745% | 3,221 |
| Memoranda: | ||
| Average total assets | $627,622,000 | 1,183 |
| Average earning assets | $588,427,000 | 1,169 |
| Average equity | $68,390,330 | 1,230 |
| Average total loans | $537,626,000 | 1,002 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 3,970 |
| Cost of funding earning assets | 1.1329% | 1,084 |
| Net interest margin | 3.0280% | 4,709 |
| Noninterest income to average assets | 2.2200% | 213 |
| Noninterest expense to average assets | 5.1308% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0390% | 5,160 |
| Return on assets (ROA) | -0.0390% | 5,164 |
| Pretax return on assets | -0.0631% | 5,162 |
| Return on Equity (ROE) | -0.3561% | 5,165 |
| Retained earnings to average equity (ytd only) | -0.3561% | 4,580 |
| Net charge-offs to loans | 0.1176% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -0.6258% | 2,688 |
| Efficiency ratio | 101.1937% | 156 |
| Assets per employee ($millions) | 3.1371% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,482 |
| Loan loss allowance to noncurrent loans | 150.2984% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 2,710 |
| Noncurrent loans to loans | 0.5403% | 2,691 |
| Net loans and leases to total assets | 85.0638% | 270 |
| Net loans and leases to deposits | 115.4479% | 133 |
| Net loans and leases to core deposits | 140.1454% | 186 |
| Total domestic deposits to total assets | 73.6815% | 4,954 |
| Equity capital to assets | 11.0293% | 2,821 |
| Core capital (leverage) ratio | 11.3443% | 2,247 |
| Tier 1 risk-based capital ratio | 14.7008% | 3,005 |
| Total risk-based capital ratio | 15.6267% | 3,084 |
| Memoranda: | ||
| Average total assets | $614,954,500 | 1,206 |
| Average earning assets | $578,334,000 | 1,191 |
| Average equity | $67,393,000 | 1,238 |
| Average total loans | $527,035,000 | 1,024 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 3,994 |
| Cost of funding earning assets | 0.8650% | 1,243 |
| Net interest margin | 3.1475% | 4,583 |
| Noninterest income to average assets | 2.4533% | 203 |
| Noninterest expense to average assets | 5.5679% | 151 |
| Loan and lease loss provision to assets | 0.1343% | 1,613 |
| Net operating income to assets | -0.3123% | 5,296 |
| Return on assets (ROA) | -0.3142% | 5,293 |
| Pretax return on assets | -0.3087% | 5,286 |
| Return on Equity (ROE) | -2.6557% | 5,283 |
| Retained earnings to average equity (ytd only) | -2.6557% | 5,161 |
| Net charge-offs to loans | 0.0132% | 3,240 |
| Credit loss provision to net charge-offs | 1,229.0323% | 324 |
| Earnings coverage of net charge-offs (x) | -15.7903% | 3,762 |
| Efficiency ratio | 103.1421% | 120 |
| Assets per employee ($millions) | 3.1703% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,383 |
| Loan loss allowance to noncurrent loans | 126.1945% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 2,297 |
| Noncurrent loans to loans | 0.6675% | 2,324 |
| Net loans and leases to total assets | 84.9243% | 320 |
| Net loans and leases to deposits | 116.6252% | 140 |
| Net loans and leases to core deposits | 141.4692% | 186 |
| Total domestic deposits to total assets | 72.8181% | 5,016 |
| Equity capital to assets | 10.9354% | 2,751 |
| Core capital (leverage) ratio | 10.9343% | 2,592 |
| Tier 1 risk-based capital ratio | 15.1682% | 2,749 |
| Total risk-based capital ratio | 16.1520% | 2,810 |
| Memoranda: | ||
| Average total assets | $567,450,400 | 1,253 |
| Average earning assets | $530,425,600 | 1,249 |
| Average equity | $67,139,600 | 1,206 |
| Average total loans | $470,911,000 | 1,111 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 4,169 |
| Cost of funding earning assets | 0.7611% | 1,528 |
| Net interest margin | 3.1574% | 4,602 |
| Noninterest income to average assets | 1.9920% | 278 |
| Noninterest expense to average assets | 5.3423% | 170 |
| Loan and lease loss provision to assets | 0.0439% | 3,113 |
| Net operating income to assets | -0.4517% | 5,382 |
| Return on assets (ROA) | -0.4399% | 5,377 |
| Pretax return on assets | -0.4366% | 5,373 |
| Return on Equity (ROE) | -3.6417% | 5,379 |
| Retained earnings to average equity (ytd only) | -3.6417% | 5,274 |
| Net charge-offs to loans | 0.0088% | 3,106 |
| Credit loss provision to net charge-offs | 610.0000% | 583 |
| Earnings coverage of net charge-offs (x) | -56.1653% | 3,482 |
| Efficiency ratio | 108.1264% | 89 |
| Assets per employee ($millions) | 3.2253% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,684 |
| Loan loss allowance to noncurrent loans | 142.5953% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,777 |
| Noncurrent loans to loans | 0.5489% | 2,736 |
| Net loans and leases to total assets | 83.5365% | 509 |
| Net loans and leases to deposits | 112.6933% | 218 |
| Net loans and leases to core deposits | 134.2900% | 266 |
| Total domestic deposits to total assets | 74.1273% | 4,966 |
| Equity capital to assets | 11.1961% | 2,477 |
| Core capital (leverage) ratio | 11.9702% | 1,800 |
| Tier 1 risk-based capital ratio | 16.1928% | 2,379 |
| Total risk-based capital ratio | 17.1125% | 2,434 |
| Memoranda: | ||
| Average total assets | $555,552,500 | 1,280 |
| Average earning assets | $518,345,000 | 1,275 |
| Average equity | $67,110,250 | 1,203 |
| Average total loans | $456,949,500 | 1,136 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,207 |
| Cost of funding earning assets | 0.6905% | 1,677 |
| Net interest margin | 3.1630% | 4,588 |
| Noninterest income to average assets | 1.8721% | 300 |
| Noninterest expense to average assets | 5.4515% | 171 |
| Loan and lease loss provision to assets | 0.0018% | 3,762 |
| Net operating income to assets | -0.6375% | 5,452 |
| Return on assets (ROA) | -0.6195% | 5,445 |
| Pretax return on assets | -0.6162% | 5,442 |
| Return on Equity (ROE) | -4.9961% | 5,437 |
| Retained earnings to average equity (ytd only) | -4.9961% | 5,290 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0531% | 83 |
| Assets per employee ($millions) | 3.0610% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 4,696 |
| Loan loss allowance to noncurrent loans | 149.0837% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 2,849 |
| Noncurrent loans to loans | 0.5362% | 2,810 |
| Net loans and leases to total assets | 82.0023% | 715 |
| Net loans and leases to deposits | 107.2236% | 384 |
| Net loans and leases to core deposits | 126.0256% | 407 |
| Total domestic deposits to total assets | 76.4778% | 4,801 |
| Equity capital to assets | 11.7131% | 2,055 |
| Core capital (leverage) ratio | 12.5553% | 1,408 |
| Tier 1 risk-based capital ratio | 17.3362% | 1,989 |
| Total risk-based capital ratio | 18.2806% | 2,039 |
| Memoranda: | ||
| Average total assets | $543,992,670 | 1,304 |
| Average earning assets | $506,854,670 | 1,300 |
| Average equity | $67,452,670 | 1,195 |
| Average total loans | $443,616,330 | 1,157 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 4,179 |
| Cost of funding earning assets | 0.6008% | 2,049 |
| Net interest margin | 3.2113% | 4,422 |
| Noninterest income to average assets | 1.7596% | 323 |
| Noninterest expense to average assets | 5.2285% | 191 |
| Loan and lease loss provision to assets | 0.0713% | 2,334 |
| Net operating income to assets | -0.5540% | 5,503 |
| Return on assets (ROA) | -0.5172% | 5,494 |
| Pretax return on assets | -0.5142% | 5,496 |
| Return on Equity (ROE) | -4.0521% | 5,486 |
| Retained earnings to average equity (ytd only) | -4.0521% | 5,144 |
| Net charge-offs to loans | -0.0111% | 4,289 |
| Credit loss provision to net charge-offs | -791.6667% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0221% | 104 |
| Assets per employee ($millions) | 2.9641% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,498 |
| Loan loss allowance to noncurrent loans | 133.9373% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,604 |
| Noncurrent loans to loans | 0.6624% | 2,567 |
| Net loans and leases to total assets | 80.4813% | 875 |
| Net loans and leases to deposits | 105.6706% | 395 |
| Net loans and leases to core deposits | 118.3468% | 640 |
| Total domestic deposits to total assets | 76.1624% | 4,948 |
| Equity capital to assets | 12.6049% | 1,424 |
| Core capital (leverage) ratio | 13.0682% | 1,161 |
| Tier 1 risk-based capital ratio | 18.8612% | 1,588 |
| Total risk-based capital ratio | 19.9054% | 1,606 |
| Memoranda: | ||
| Average total assets | $532,848,000 | 1,343 |
| Average earning assets | $496,000,500 | 1,337 |
| Average equity | $68,014,500 | 1,198 |
| Average total loans | $431,371,500 | 1,189 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 4,507 |
| Cost of funding earning assets | 0.4522% | 2,758 |
| Net interest margin | 3.1780% | 4,499 |
| Noninterest income to average assets | 2.5825% | 214 |
| Noninterest expense to average assets | 5.8981% | 150 |
| Loan and lease loss provision to assets | 0.1075% | 2,087 |
| Net operating income to assets | -0.4732% | 5,524 |
| Return on assets (ROA) | -0.4732% | 5,527 |
| Pretax return on assets | -0.4696% | 5,543 |
| Return on Equity (ROE) | -3.4000% | 5,497 |
| Retained earnings to average equity (ytd only) | -3.4000% | 5,363 |
| Net charge-offs to loans | 0.0187% | 3,477 |
| Credit loss provision to net charge-offs | 729.7297% | 456 |
| Earnings coverage of net charge-offs (x) | -24.5676% | 4,108 |
| Efficiency ratio | 106.4647% | 119 |
| Assets per employee ($millions) | 3.0561% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,594 |
| Loan loss allowance to noncurrent loans | 166.0889% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 3,031 |
| Noncurrent loans to loans | 0.5238% | 2,942 |
| Net loans and leases to total assets | 80.0793% | 947 |
| Net loans and leases to deposits | 112.9089% | 192 |
| Net loans and leases to core deposits | 116.9006% | 692 |
| Total domestic deposits to total assets | 70.9238% | 5,370 |
| Equity capital to assets | 12.8605% | 1,334 |
| Core capital (leverage) ratio | 13.4783% | 972 |
| Tier 1 risk-based capital ratio | 19.3067% | 1,448 |
| Total risk-based capital ratio | 20.3429% | 1,453 |
| Memoranda: | ||
| Average total assets | $502,106,800 | 1,398 |
| Average earning assets | $466,640,600 | 1,390 |
| Average equity | $69,881,400 | 1,135 |
| Average total loans | $395,211,600 | 1,245 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 4,526 |
| Cost of funding earning assets | 0.4232% | 2,954 |
| Net interest margin | 3.1896% | 4,473 |
| Noninterest income to average assets | 2.8071% | 199 |
| Noninterest expense to average assets | 5.8357% | 162 |
| Loan and lease loss provision to assets | 0.0903% | 2,265 |
| Net operating income to assets | -0.1170% | 5,557 |
| Return on assets (ROA) | -0.1170% | 5,561 |
| Pretax return on assets | -0.1569% | 5,566 |
| Return on Equity (ROE) | -0.8236% | 5,552 |
| Retained earnings to average equity (ytd only) | -0.8236% | 5,332 |
| Net charge-offs to loans | 0.0210% | 3,062 |
| Credit loss provision to net charge-offs | 549.1803% | 574 |
| Earnings coverage of net charge-offs (x) | -4.0493% | 3,751 |
| Efficiency ratio | 101.0792% | 164 |
| Assets per employee ($millions) | 2.4953% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,647 |
| Loan loss allowance to noncurrent loans | 162.5401% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 3,308 |
| Noncurrent loans to loans | 0.5414% | 3,080 |
| Net loans and leases to total assets | 78.8299% | 1,146 |
| Net loans and leases to deposits | 107.9016% | 344 |
| Net loans and leases to core deposits | 111.5629% | 950 |
| Total domestic deposits to total assets | 73.0572% | 5,306 |
| Equity capital to assets | 13.8887% | 1,023 |
| Core capital (leverage) ratio | 14.1596% | 848 |
| Tier 1 risk-based capital ratio | 21.8027% | 1,065 |
| Total risk-based capital ratio | 22.8869% | 1,079 |
| Memoranda: | ||
| Average total assets | $494,691,500 | 1,426 |
| Average earning assets | $459,398,000 | 1,425 |
| Average equity | $70,254,750 | 1,142 |
| Average total loans | $386,621,250 | 1,278 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 4,654 |
| Cost of funding earning assets | 0.3888% | 3,194 |
| Net interest margin | 3.1516% | 4,541 |
| Noninterest income to average assets | 2.7893% | 198 |
| Noninterest expense to average assets | 5.9062% | 160 |
| Loan and lease loss provision to assets | 0.1365% | 1,519 |
| Net operating income to assets | -0.2168% | 5,626 |
| Return on assets (ROA) | -0.2168% | 5,625 |
| Pretax return on assets | -0.3297% | 5,639 |
| Return on Equity (ROE) | -1.5152% | 5,609 |
| Retained earnings to average equity (ytd only) | -1.5152% | 5,296 |
| Net charge-offs to loans | 0.0257% | 2,700 |
| Credit loss provision to net charge-offs | 683.6735% | 513 |
| Earnings coverage of net charge-offs (x) | -9.6735% | 3,477 |
| Efficiency ratio | 103.2958% | 155 |
| Assets per employee ($millions) | 2.5288% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,689 |
| Loan loss allowance to noncurrent loans | 159.0076% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 3,354 |
| Noncurrent loans to loans | 0.5584% | 3,062 |
| Net loans and leases to total assets | 78.1109% | 1,231 |
| Net loans and leases to deposits | 104.5462% | 466 |
| Net loans and leases to core deposits | 107.5263% | 1,129 |
| Total domestic deposits to total assets | 74.7142% | 5,233 |
| Equity capital to assets | 13.8514% | 1,015 |
| Core capital (leverage) ratio | 14.2669% | 786 |
| Tier 1 risk-based capital ratio | 20.7806% | 1,229 |
| Total risk-based capital ratio | 21.8423% | 1,233 |
| Memoranda: | ||
| Average total assets | $490,737,000 | 1,442 |
| Average earning assets | $455,257,670 | 1,438 |
| Average equity | $70,221,670 | 1,139 |
| Average total loans | $381,207,670 | 1,296 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,755 |
| Cost of funding earning assets | 0.3581% | 3,445 |
| Net interest margin | 3.1189% | 4,606 |
| Noninterest income to average assets | 2.8301% | 205 |
| Noninterest expense to average assets | 5.9150% | 168 |
| Loan and lease loss provision to assets | 0.1950% | 855 |
| Net operating income to assets | -0.3693% | 5,719 |
| Return on assets (ROA) | -0.3693% | 5,717 |
| Pretax return on assets | -0.3884% | 5,709 |
| Return on Equity (ROE) | -2.5381% | 5,696 |
| Retained earnings to average equity (ytd only) | -2.5381% | 5,223 |
| Net charge-offs to loans | 0.0743% | 1,591 |
| Credit loss provision to net charge-offs | 340.5797% | 726 |
| Earnings coverage of net charge-offs (x) | -3.3768% | 2,899 |
| Efficiency ratio | 103.2927% | 185 |
| Assets per employee ($millions) | 2.2880% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,704 |
| Loan loss allowance to noncurrent loans | 142.4368% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,215 |
| Noncurrent loans to loans | 0.6412% | 2,901 |
| Net loans and leases to total assets | 77.2401% | 1,239 |
| Net loans and leases to deposits | 99.8599% | 623 |
| Net loans and leases to core deposits | 102.8472% | 1,303 |
| Total domestic deposits to total assets | 77.3484% | 5,066 |
| Equity capital to assets | 14.4916% | 758 |
| Core capital (leverage) ratio | 14.9602% | 614 |
| Tier 1 risk-based capital ratio | 22.6532% | 1,018 |
| Total risk-based capital ratio | 23.7700% | 1,007 |
| Memoranda: | ||
| Average total assets | $481,961,000 | 1,466 |
| Average earning assets | $446,822,500 | 1,462 |
| Average equity | $70,130,000 | 1,131 |
| Average total loans | $371,518,500 | 1,328 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 4,850 |
| Cost of funding earning assets | 0.3918% | 3,080 |
| Net interest margin | 3.0758% | 4,787 |
| Noninterest income to average assets | 3.3780% | 172 |
| Noninterest expense to average assets | 5.6173% | 196 |
| Loan and lease loss provision to assets | 0.0234% | 3,897 |
| Net operating income to assets | 0.5989% | 4,209 |
| Return on assets (ROA) | 0.6354% | 4,179 |
| Pretax return on assets | 0.6384% | 4,682 |
| Return on Equity (ROE) | 5.7622% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.7622% | 1,847 |
| Net charge-offs to loans | 0.0219% | 3,607 |
| Credit loss provision to net charge-offs | 145.0704% | 1,888 |
| Earnings coverage of net charge-offs (x) | 38.7606% | 1,201 |
| Efficiency ratio | 89.9410% | 555 |
| Assets per employee ($millions) | 2.1871% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,810 |
| Loan loss allowance to noncurrent loans | 147.2760% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 3,412 |
| Noncurrent loans to loans | 0.6056% | 3,032 |
| Net loans and leases to total assets | 75.5348% | 1,596 |
| Net loans and leases to deposits | 100.4311% | 644 |
| Net loans and leases to core deposits | 102.3339% | 1,427 |
| Total domestic deposits to total assets | 75.2106% | 5,329 |
| Equity capital to assets | 14.6105% | 707 |
| Core capital (leverage) ratio | 14.6745% | 657 |
| Tier 1 risk-based capital ratio | 23.8092% | 888 |
| Total risk-based capital ratio | 24.9104% | 885 |
| Memoranda: | ||
| Average total assets | $440,174,200 | 1,540 |
| Average earning assets | $409,938,400 | 1,533 |
| Average equity | $48,540,200 | 1,563 |
| Average total loans | $324,375,000 | 1,439 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 4,980 |
| Cost of funding earning assets | 0.4051% | 2,971 |
| Net interest margin | 3.0177% | 4,980 |
| Noninterest income to average assets | 3.2833% | 184 |
| Noninterest expense to average assets | 5.1490% | 238 |
| Loan and lease loss provision to assets | -0.0304% | 5,692 |
| Net operating income to assets | 0.9775% | 2,529 |
| Return on assets (ROA) | 1.0274% | 2,430 |
| Pretax return on assets | 1.0284% | 3,520 |
| Return on Equity (ROE) | 10.2487% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.2487% | 527 |
| Net charge-offs to loans | 0.0191% | 3,325 |
| Credit loss provision to net charge-offs | -217.7778% | 4,887 |
| Earnings coverage of net charge-offs (x) | 67.9317% | 873 |
| Efficiency ratio | 84.4507% | 953 |
| Assets per employee ($millions) | 2.3551% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 5,007 |
| Loan loss allowance to noncurrent loans | 107.4627% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 2,922 |
| Noncurrent loans to loans | 0.8009% | 2,663 |
| Net loans and leases to total assets | 72.7994% | 2,047 |
| Net loans and leases to deposits | 96.5045% | 1,000 |
| Net loans and leases to core deposits | 99.8365% | 1,649 |
| Total domestic deposits to total assets | 75.4364% | 5,294 |
| Equity capital to assets | 14.8691% | 768 |
| Core capital (leverage) ratio | 14.5089% | 720 |
| Tier 1 risk-based capital ratio | 24.8818% | 824 |
| Total risk-based capital ratio | 25.9746% | 826 |
| Memoranda: | ||
| Average total assets | $429,927,500 | 1,574 |
| Average earning assets | $400,864,250 | 1,563 |
| Average equity | $43,100,250 | 1,730 |
| Average total loans | $313,790,000 | 1,472 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 5,200 |
| Cost of funding earning assets | 0.3970% | 3,074 |
| Net interest margin | 2.9458% | 5,177 |
| Noninterest income to average assets | 1.6319% | 467 |
| Noninterest expense to average assets | 4.0375% | 564 |
| Loan and lease loss provision to assets | 0.0307% | 3,515 |
| Net operating income to assets | 0.3205% | 5,264 |
| Return on assets (ROA) | 0.3508% | 5,263 |
| Pretax return on assets | 0.3522% | 5,415 |
| Return on Equity (ROE) | 4.3329% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.3329% | 3,161 |
| Net charge-offs to loans | 0.0288% | 2,904 |
| Credit loss provision to net charge-offs | 146.5116% | 1,620 |
| Earnings coverage of net charge-offs (x) | 16.8140% | 1,911 |
| Efficiency ratio | 91.9658% | 497 |
| Assets per employee ($millions) | 4.6089% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 4,093 |
| Loan loss allowance to noncurrent loans | 163.6044% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 3,499 |
| Noncurrent loans to loans | 0.6560% | 3,109 |
| Net loans and leases to total assets | 65.8417% | 3,105 |
| Net loans and leases to deposits | 76.2530% | 3,352 |
| Net loans and leases to core deposits | 77.6631% | 3,670 |
| Total domestic deposits to total assets | 86.3463% | 2,243 |
| Equity capital to assets | 7.4680% | 5,917 |
| Core capital (leverage) ratio | 8.1649% | 5,617 |
| Tier 1 risk-based capital ratio | 12.8214% | 4,299 |
| Total risk-based capital ratio | 14.0730% | 4,216 |
| Memoranda: | ||
| Average total assets | $409,952,000 | 1,648 |
| Average earning assets | $383,873,330 | 1,631 |
| Average equity | $33,188,000 | 2,191 |
| Average total loans | $298,484,330 | 1,526 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 4,906 |
| Cost of funding earning assets | 0.4144% | 2,906 |
| Net interest margin | 3.0803% | 4,916 |
| Noninterest income to average assets | 1.3041% | 642 |
| Noninterest expense to average assets | 4.1728% | 504 |
| Loan and lease loss provision to assets | 0.0652% | 2,656 |
| Net operating income to assets | -0.0390% | 5,809 |
| Return on assets (ROA) | 0.0021% | 5,810 |
| Pretax return on assets | 0.0052% | 5,805 |
| Return on Equity (ROE) | 0.0244% | 5,810 |
| Retained earnings to average equity (ytd only) | 0.0244% | 5,100 |
| Net charge-offs to loans | 0.0230% | 2,474 |
| Credit loss provision to net charge-offs | 370.5882% | 748 |
| Earnings coverage of net charge-offs (x) | 0.3529% | 2,937 |
| Efficiency ratio | 99.8515% | 294 |
| Assets per employee ($millions) | 4.1521% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 4,094 |
| Loan loss allowance to noncurrent loans | 159.2341% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 3,083 |
| Noncurrent loans to loans | 0.6865% | 3,130 |
| Net loans and leases to total assets | 76.1545% | 1,371 |
| Net loans and leases to deposits | 91.8391% | 1,369 |
| Net loans and leases to core deposits | 93.9171% | 1,997 |
| Total domestic deposits to total assets | 82.9217% | 3,927 |
| Equity capital to assets | 8.4874% | 5,575 |
| Core capital (leverage) ratio | 8.3696% | 5,496 |
| Tier 1 risk-based capital ratio | 12.7588% | 4,426 |
| Total risk-based capital ratio | 14.0107% | 4,332 |
| Memoranda: | ||
| Average total assets | $386,789,000 | 1,736 |
| Average earning assets | $361,004,500 | 1,723 |
| Average equity | $32,744,500 | 2,213 |
| Average total loans | $295,886,500 | 1,532 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 4,768 |
| Cost of funding earning assets | 0.3868% | 3,298 |
| Net interest margin | 3.1765% | 4,693 |
| Noninterest income to average assets | 1.3465% | 669 |
| Noninterest expense to average assets | 4.5680% | 392 |
| Loan and lease loss provision to assets | -0.0364% | 5,710 |
| Net operating income to assets | -0.1984% | 5,964 |
| Return on assets (ROA) | -0.2000% | 5,977 |
| Pretax return on assets | -0.2287% | 5,971 |
| Return on Equity (ROE) | -2.2722% | 5,989 |
| Retained earnings to average equity (ytd only) | -2.2722% | 5,769 |
| Net charge-offs to loans | 0.0605% | 3,014 |
| Credit loss provision to net charge-offs | -82.0359% | 5,110 |
| Earnings coverage of net charge-offs (x) | -5.9341% | 4,411 |
| Efficiency ratio | 106.1150% | 185 |
| Assets per employee ($millions) | 4.0775% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,979 |
| Loan loss allowance to noncurrent loans | 156.6248% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 3,034 |
| Noncurrent loans to loans | 0.7100% | 3,059 |
| Net loans and leases to total assets | 75.1460% | 1,543 |
| Net loans and leases to deposits | 92.4715% | 1,351 |
| Net loans and leases to core deposits | 94.6093% | 1,987 |
| Total domestic deposits to total assets | 81.2639% | 4,409 |
| Equity capital to assets | 8.4426% | 5,609 |
| Core capital (leverage) ratio | 8.3469% | 5,572 |
| Tier 1 risk-based capital ratio | 13.1920% | 4,175 |
| Total risk-based capital ratio | 14.4431% | 4,102 |
| Memoranda: | ||
| Average total assets | $376,462,800 | 1,743 |
| Average earning assets | $350,608,600 | 1,725 |
| Average equity | $33,139,600 | 2,140 |
| Average total loans | $276,239,600 | 1,588 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5583% | 4,847 |
| Cost of funding earning assets | 0.3766% | 3,476 |
| Net interest margin | 3.1816% | 4,730 |
| Noninterest income to average assets | 1.2278% | 797 |
| Noninterest expense to average assets | 4.5682% | 389 |
| Loan and lease loss provision to assets | -0.0100% | 5,816 |
| Net operating income to assets | -0.3654% | 6,105 |
| Return on assets (ROA) | -0.3597% | 6,114 |
| Pretax return on assets | -0.3615% | 6,101 |
| Return on Equity (ROE) | -4.0437% | 6,124 |
| Retained earnings to average equity (ytd only) | -4.0437% | 5,994 |
| Net charge-offs to loans | 0.0284% | 3,376 |
| Credit loss provision to net charge-offs | -48.2759% | 4,965 |
| Earnings coverage of net charge-offs (x) | -18.2762% | 4,153 |
| Efficiency ratio | 108.9983% | 155 |
| Assets per employee ($millions) | 4.2875% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,675 |
| Loan loss allowance to noncurrent loans | 146.1116% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 3,051 |
| Noncurrent loans to loans | 0.8196% | 2,918 |
| Net loans and leases to total assets | 73.9138% | 1,749 |
| Net loans and leases to deposits | 93.8176% | 1,222 |
| Net loans and leases to core deposits | 95.7859% | 1,907 |
| Total domestic deposits to total assets | 78.7845% | 5,031 |
| Equity capital to assets | 8.6417% | 5,614 |
| Core capital (leverage) ratio | 8.2486% | 5,746 |
| Tier 1 risk-based capital ratio | 12.8765% | 4,505 |
| Total risk-based capital ratio | 14.1512% | 4,410 |
| Memoranda: | ||
| Average total assets | $374,758,000 | 1,765 |
| Average earning assets | $349,038,500 | 1,749 |
| Average equity | $33,334,750 | 2,142 |
| Average total loans | $272,484,500 | 1,612 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,977 |
| Cost of funding earning assets | 0.3732% | 3,569 |
| Net interest margin | 3.1278% | 4,891 |
| Noninterest income to average assets | 1.0836% | 1,021 |
| Noninterest expense to average assets | 4.2509% | 517 |
| Loan and lease loss provision to assets | 0.0668% | 2,779 |
| Net operating income to assets | -0.3470% | 6,145 |
| Return on assets (ROA) | -0.3507% | 6,165 |
| Pretax return on assets | -0.3528% | 6,155 |
| Return on Equity (ROE) | -3.6019% | 6,168 |
| Retained earnings to average equity (ytd only) | -3.6019% | 5,950 |
| Net charge-offs to loans | 0.0127% | 3,476 |
| Credit loss provision to net charge-offs | 735.2941% | 466 |
| Earnings coverage of net charge-offs (x) | -31.0588% | 3,873 |
| Efficiency ratio | 107.1121% | 207 |
| Assets per employee ($millions) | 4.1313% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,314 |
| Loan loss allowance to noncurrent loans | 133.1875% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 2,888 |
| Noncurrent loans to loans | 0.9668% | 2,713 |
| Net loans and leases to total assets | 72.0904% | 1,963 |
| Net loans and leases to deposits | 90.5387% | 1,532 |
| Net loans and leases to core deposits | 92.6005% | 2,101 |
| Total domestic deposits to total assets | 79.6238% | 4,949 |
| Equity capital to assets | 9.2307% | 4,980 |
| Core capital (leverage) ratio | 9.0379% | 4,910 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,988 |
| Total risk-based capital ratio | 15.1499% | 3,917 |
| Memoranda: | ||
| Average total assets | $374,129,670 | 1,777 |
| Average earning assets | $345,103,670 | 1,772 |
| Average equity | $36,425,000 | 1,976 |
| Average total loans | $267,089,000 | 1,647 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 4,919 |
| Cost of funding earning assets | 0.3736% | 3,609 |
| Net interest margin | 3.1400% | 4,819 |
| Noninterest income to average assets | 1.0920% | 949 |
| Noninterest expense to average assets | 4.2918% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1357% | 6,122 |
| Return on assets (ROA) | -0.1406% | 6,145 |
| Pretax return on assets | -0.3128% | 6,191 |
| Return on Equity (ROE) | -1.4055% | 6,145 |
| Retained earnings to average equity (ytd only) | -1.4055% | 5,602 |
| Net charge-offs to loans | 0.0093% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -46.6667% | 3,273 |
| Efficiency ratio | 107.6545% | 217 |
| Assets per employee ($millions) | 3.9933% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,161 |
| Loan loss allowance to noncurrent loans | 106.2162% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0582% | 2,500 |
| Noncurrent loans to loans | 1.2673% | 2,257 |
| Net loans and leases to total assets | 69.8005% | 2,167 |
| Net loans and leases to deposits | 83.8978% | 2,093 |
| Net loans and leases to core deposits | 85.8313% | 2,566 |
| Total domestic deposits to total assets | 83.1970% | 4,118 |
| Equity capital to assets | 9.9171% | 4,236 |
| Core capital (leverage) ratio | 9.6330% | 4,107 |
| Tier 1 risk-based capital ratio | 15.4868% | 3,149 |
| Total risk-based capital ratio | 16.7385% | 3,089 |
| Memoranda: | ||
| Average total assets | $367,021,500 | 1,812 |
| Average earning assets | $338,343,500 | 1,819 |
| Average equity | $36,714,000 | 1,976 |
| Average total loans | $258,827,500 | 1,694 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 4,902 |
| Cost of funding earning assets | 0.4022% | 3,667 |
| Net interest margin | 3.2605% | 4,716 |
| Noninterest income to average assets | 1.3048% | 717 |
| Noninterest expense to average assets | 4.1265% | 663 |
| Loan and lease loss provision to assets | 0.0337% | 3,920 |
| Net operating income to assets | 0.0910% | 5,965 |
| Return on assets (ROA) | 0.2835% | 5,631 |
| Pretax return on assets | 0.3233% | 5,659 |
| Return on Equity (ROE) | 2.7706% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.7706% | 4,269 |
| Net charge-offs to loans | 0.1778% | 2,247 |
| Credit loss provision to net charge-offs | 29.5567% | 3,840 |
| Earnings coverage of net charge-offs (x) | 1.2143% | 4,467 |
| Efficiency ratio | 96.7583% | 476 |
| Assets per employee ($millions) | 3.8195% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,996 |
| Loan loss allowance to noncurrent loans | 103.4755% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 2,533 |
| Noncurrent loans to loans | 1.3433% | 2,189 |
| Net loans and leases to total assets | 69.2710% | 2,342 |
| Net loans and leases to deposits | 84.5312% | 2,155 |
| Net loans and leases to core deposits | 86.4230% | 2,654 |
| Total domestic deposits to total assets | 81.9474% | 4,439 |
| Equity capital to assets | 10.2354% | 3,813 |
| Core capital (leverage) ratio | 9.3987% | 4,388 |
| Tier 1 risk-based capital ratio | 15.7680% | 3,089 |
| Total risk-based capital ratio | 17.0432% | 3,011 |
| Memoranda: | ||
| Average total assets | $356,594,000 | 1,829 |
| Average earning assets | $323,727,600 | 1,849 |
| Average equity | $36,490,600 | 1,926 |
| Average total loans | $228,292,200 | 1,836 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 5,144 |
| Cost of funding earning assets | 0.4184% | 3,596 |
| Net interest margin | 3.1793% | 5,030 |
| Noninterest income to average assets | 1.3366% | 683 |
| Noninterest expense to average assets | 4.0026% | 752 |
| Loan and lease loss provision to assets | 0.0451% | 3,491 |
| Net operating income to assets | 0.1341% | 5,972 |
| Return on assets (ROA) | 0.3564% | 5,484 |
| Pretax return on assets | 0.4431% | 5,488 |
| Return on Equity (ROE) | 3.4829% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.4829% | 4,152 |
| Net charge-offs to loans | 0.2515% | 1,537 |
| Credit loss provision to net charge-offs | 28.7081% | 3,471 |
| Earnings coverage of net charge-offs (x) | 1.3397% | 4,181 |
| Efficiency ratio | 95.0080% | 546 |
| Assets per employee ($millions) | 3.8113% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 2,827 |
| Loan loss allowance to noncurrent loans | 123.2891% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 2,978 |
| Noncurrent loans to loans | 1.1994% | 2,648 |
| Net loans and leases to total assets | 67.0931% | 2,671 |
| Net loans and leases to deposits | 83.0623% | 2,281 |
| Net loans and leases to core deposits | 84.9225% | 2,785 |
| Total domestic deposits to total assets | 80.7745% | 4,892 |
| Equity capital to assets | 10.5068% | 3,547 |
| Core capital (leverage) ratio | 9.6713% | 4,127 |
| Tier 1 risk-based capital ratio | 16.3716% | 2,864 |
| Total risk-based capital ratio | 17.6653% | 2,804 |
| Memoranda: | ||
| Average total assets | $355,030,000 | 1,852 |
| Average earning assets | $321,192,750 | 1,874 |
| Average equity | $36,328,500 | 1,943 |
| Average total loans | $221,642,000 | 1,905 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 5,422 |
| Cost of funding earning assets | 0.4472% | 3,360 |
| Net interest margin | 3.0472% | 5,402 |
| Noninterest income to average assets | 1.4401% | 584 |
| Noninterest expense to average assets | 4.0062% | 754 |
| Loan and lease loss provision to assets | 0.0673% | 2,915 |
| Net operating income to assets | 0.0866% | 6,070 |
| Return on assets (ROA) | 0.3484% | 5,482 |
| Pretax return on assets | 0.4264% | 5,488 |
| Return on Equity (ROE) | 3.4350% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.4350% | 4,012 |
| Net charge-offs to loans | 0.3779% | 1,074 |
| Credit loss provision to net charge-offs | 29.4118% | 3,062 |
| Earnings coverage of net charge-offs (x) | 0.7623% | 3,977 |
| Efficiency ratio | 95.8266% | 564 |
| Assets per employee ($millions) | 3.8923% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 2,498 |
| Loan loss allowance to noncurrent loans | 127.0086% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 3,127 |
| Noncurrent loans to loans | 1.2520% | 2,724 |
| Net loans and leases to total assets | 62.5567% | 3,311 |
| Net loans and leases to deposits | 76.4042% | 3,002 |
| Net loans and leases to core deposits | 78.1926% | 3,421 |
| Total domestic deposits to total assets | 81.8760% | 4,687 |
| Equity capital to assets | 10.5332% | 3,406 |
| Core capital (leverage) ratio | 9.6424% | 4,119 |
| Tier 1 risk-based capital ratio | 16.5412% | 2,806 |
| Total risk-based capital ratio | 17.9200% | 2,719 |
| Memoranda: | ||
| Average total assets | $356,494,000 | 1,840 |
| Average earning assets | $320,627,330 | 1,876 |
| Average equity | $36,157,670 | 1,944 |
| Average total loans | $215,927,670 | 1,930 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 5,482 |
| Cost of funding earning assets | 0.4985% | 2,922 |
| Net interest margin | 2.9812% | 5,567 |
| Noninterest income to average assets | 1.8032% | 397 |
| Noninterest expense to average assets | 4.0479% | 716 |
| Loan and lease loss provision to assets | 0.0389% | 3,293 |
| Net operating income to assets | 0.2786% | 5,571 |
| Return on assets (ROA) | 0.4794% | 4,866 |
| Pretax return on assets | 0.6485% | 4,667 |
| Return on Equity (ROE) | 4.8173% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.8173% | 3,217 |
| Net charge-offs to loans | 0.0659% | 2,498 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 10.6857% | 1,841 |
| Efficiency ratio | 90.6803% | 974 |
| Assets per employee ($millions) | 3.5220% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 2,114 |
| Loan loss allowance to noncurrent loans | 71.9737% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.5413% | 2,294 |
| Noncurrent loans to loans | 2.4678% | 1,408 |
| Net loans and leases to total assets | 61.3486% | 3,339 |
| Net loans and leases to deposits | 71.7756% | 3,367 |
| Net loans and leases to core deposits | 73.4039% | 3,712 |
| Total domestic deposits to total assets | 85.4728% | 3,631 |
| Equity capital to assets | 10.4493% | 3,298 |
| Core capital (leverage) ratio | 8.9275% | 5,106 |
| Tier 1 risk-based capital ratio | 15.4185% | 3,487 |
| Total risk-based capital ratio | 16.8058% | 3,374 |
| Memoranda: | ||
| Average total assets | $359,589,500 | 1,829 |
| Average earning assets | $320,940,000 | 1,881 |
| Average equity | $35,787,500 | 1,951 |
| Average total loans | $212,552,000 | 1,960 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3166% | 5,979 |
| Cost of funding earning assets | 0.5538% | 3,081 |
| Net interest margin | 2.7627% | 6,039 |
| Noninterest income to average assets | 1.2012% | 976 |
| Noninterest expense to average assets | 4.4057% | 569 |
| Loan and lease loss provision to assets | 0.4961% | 567 |
| Net operating income to assets | -0.6864% | 6,539 |
| Return on assets (ROA) | -0.6799% | 6,543 |
| Pretax return on assets | -1.1433% | 6,622 |
| Return on Equity (ROE) | -6.8709% | 6,531 |
| Retained earnings to average equity (ytd only) | -6.8709% | 6,455 |
| Net charge-offs to loans | 0.8081% | 774 |
| Credit loss provision to net charge-offs | 118.5484% | 2,022 |
| Earnings coverage of net charge-offs (x) | -1.5707% | 5,301 |
| Efficiency ratio | 117.5358% | 198 |
| Assets per employee ($millions) | 3.5964% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 1,982 |
| Loan loss allowance to noncurrent loans | 66.2916% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 2,360 |
| Noncurrent loans to loans | 2.7567% | 1,296 |
| Net loans and leases to total assets | 54.9960% | 4,458 |
| Net loans and leases to deposits | 63.5587% | 4,551 |
| Net loans and leases to core deposits | 65.2724% | 4,751 |
| Total domestic deposits to total assets | 86.5280% | 2,979 |
| Equity capital to assets | 9.4937% | 4,434 |
| Core capital (leverage) ratio | 8.5686% | 5,584 |
| Tier 1 risk-based capital ratio | 16.5456% | 2,828 |
| Total risk-based capital ratio | 17.9984% | 2,690 |
| Memoranda: | ||
| Average total assets | $385,202,600 | 1,705 |
| Average earning assets | $355,156,800 | 1,691 |
| Average equity | $38,117,000 | 1,823 |
| Average total loans | $199,470,600 | 2,003 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 6,065 |
| Cost of funding earning assets | 0.5573% | 3,189 |
| Net interest margin | 2.7403% | 6,100 |
| Noninterest income to average assets | 1.3096% | 865 |
| Noninterest expense to average assets | 4.1597% | 713 |
| Loan and lease loss provision to assets | 0.5536% | 468 |
| Net operating income to assets | -0.4999% | 6,599 |
| Return on assets (ROA) | -0.4766% | 6,603 |
| Pretax return on assets | -0.8361% | 6,670 |
| Return on Equity (ROE) | -4.7700% | 6,595 |
| Retained earnings to average equity (ytd only) | -4.7700% | 6,483 |
| Net charge-offs to loans | 1.0500% | 541 |
| Credit loss provision to net charge-offs | 103.8685% | 2,255 |
| Earnings coverage of net charge-offs (x) | -0.5983% | 4,963 |
| Efficiency ratio | 108.3028% | 290 |
| Assets per employee ($millions) | 3.4734% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 2,359 |
| Loan loss allowance to noncurrent loans | 44.9312% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1352% | 1,866 |
| Noncurrent loans to loans | 3.9664% | 885 |
| Net loans and leases to total assets | 51.7840% | 4,896 |
| Net loans and leases to deposits | 60.0027% | 4,970 |
| Net loans and leases to core deposits | 61.6326% | 5,155 |
| Total domestic deposits to total assets | 86.3028% | 3,076 |
| Equity capital to assets | 9.4739% | 4,583 |
| Core capital (leverage) ratio | 8.7820% | 5,435 |
| Tier 1 risk-based capital ratio | 16.9822% | 2,711 |
| Total risk-based capital ratio | 18.3684% | 2,623 |
| Memoranda: | ||
| Average total assets | $387,996,500 | 1,707 |
| Average earning assets | $358,394,000 | 1,685 |
| Average equity | $38,769,000 | 1,811 |
| Average total loans | $196,956,000 | 2,031 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 6,071 |
| Cost of funding earning assets | 0.5622% | 3,286 |
| Net interest margin | 2.7474% | 6,101 |
| Noninterest income to average assets | 1.3888% | 810 |
| Noninterest expense to average assets | 4.1772% | 713 |
| Loan and lease loss provision to assets | 0.5821% | 441 |
| Net operating income to assets | -0.4695% | 6,624 |
| Return on assets (ROA) | -0.3898% | 6,621 |
| Pretax return on assets | -0.7047% | 6,688 |
| Return on Equity (ROE) | -3.8358% | 6,611 |
| Retained earnings to average equity (ytd only) | -3.8358% | 6,379 |
| Net charge-offs to loans | 1.0887% | 554 |
| Credit loss provision to net charge-offs | 106.6729% | 2,078 |
| Earnings coverage of net charge-offs (x) | -0.4530% | 4,657 |
| Efficiency ratio | 106.2900% | 343 |
| Assets per employee ($millions) | 3.5516% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 2,568 |
| Loan loss allowance to noncurrent loans | 39.0479% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.3605% | 1,818 |
| Noncurrent loans to loans | 4.5053% | 774 |
| Net loans and leases to total assets | 51.4736% | 4,933 |
| Net loans and leases to deposits | 60.9314% | 4,871 |
| Net loans and leases to core deposits | 62.5795% | 5,048 |
| Total domestic deposits to total assets | 84.4780% | 4,134 |
| Equity capital to assets | 9.4750% | 4,615 |
| Core capital (leverage) ratio | 8.9825% | 5,022 |
| Tier 1 risk-based capital ratio | 17.4175% | 2,547 |
| Total risk-based capital ratio | 18.7783% | 2,472 |
| Memoranda: | ||
| Average total assets | $389,972,000 | 1,697 |
| Average earning assets | $360,698,330 | 1,681 |
| Average equity | $39,626,330 | 1,777 |
| Average total loans | $195,461,000 | 2,049 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3070% | 6,144 |
| Cost of funding earning assets | 0.5745% | 3,334 |
| Net interest margin | 2.7325% | 6,161 |
| Noninterest income to average assets | 1.3829% | 807 |
| Noninterest expense to average assets | 3.7339% | 1,198 |
| Loan and lease loss provision to assets | 0.0359% | 3,992 |
| Net operating income to assets | 0.1268% | 6,097 |
| Return on assets (ROA) | 0.2885% | 5,724 |
| Pretax return on assets | 0.3244% | 5,791 |
| Return on Equity (ROE) | 2.7461% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.7461% | 4,638 |
| Net charge-offs to loans | -0.0252% | 5,821 |
| Credit loss provision to net charge-offs | -291.6667% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4343% | 756 |
| Assets per employee ($millions) | 3.5679% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 2,488 |
| Loan loss allowance to noncurrent loans | 34.5838% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.6822% | 1,694 |
| Noncurrent loans to loans | 5.3153% | 700 |
| Net loans and leases to total assets | 48.6689% | 5,159 |
| Net loans and leases to deposits | 57.7866% | 5,064 |
| Net loans and leases to core deposits | 59.3098% | 5,214 |
| Total domestic deposits to total assets | 84.2218% | 4,381 |
| Equity capital to assets | 10.4170% | 3,647 |
| Core capital (leverage) ratio | 9.4936% | 4,094 |
| Tier 1 risk-based capital ratio | 18.6484% | 2,138 |
| Total risk-based capital ratio | 20.0062% | 2,085 |
| Memoranda: | ||
| Average total assets | $389,622,000 | 1,718 |
| Average earning assets | $360,692,000 | 1,694 |
| Average equity | $40,931,500 | 1,747 |
| Average total loans | $190,844,500 | 2,099 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 5,856 |
| Cost of funding earning assets | 0.6582% | 3,849 |
| Net interest margin | 3.1286% | 5,741 |
| Noninterest income to average assets | 1.5031% | 698 |
| Noninterest expense to average assets | 3.8618% | 1,148 |
| Loan and lease loss provision to assets | 0.1005% | 4,386 |
| Net operating income to assets | 0.3308% | 5,363 |
| Return on assets (ROA) | 0.4156% | 5,291 |
| Pretax return on assets | 0.5141% | 5,239 |
| Return on Equity (ROE) | 4.0842% | 5,106 |
| Retained earnings to average equity (ytd only) | 4.0842% | 3,339 |
| Net charge-offs to loans | 0.3300% | 2,993 |
| Credit loss provision to net charge-offs | 62.8019% | 4,374 |
| Earnings coverage of net charge-offs (x) | 3.1852% | 3,842 |
| Efficiency ratio | 88.3352% | 1,214 |
| Assets per employee ($millions) | 3.6147% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 2,332 |
| Loan loss allowance to noncurrent loans | 63.2503% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 3,113 |
| Noncurrent loans to loans | 2.9829% | 1,750 |
| Net loans and leases to total assets | 47.4621% | 5,467 |
| Net loans and leases to deposits | 56.2739% | 5,420 |
| Net loans and leases to core deposits | 57.8643% | 5,560 |
| Total domestic deposits to total assets | 84.3412% | 4,163 |
| Equity capital to assets | 10.5951% | 3,403 |
| Core capital (leverage) ratio | 9.3597% | 4,323 |
| Tier 1 risk-based capital ratio | 18.5756% | 2,080 |
| Total risk-based capital ratio | 19.9004% | 2,022 |
| Memoranda: | ||
| Average total assets | $387,877,400 | 1,688 |
| Average earning assets | $355,659,800 | 1,674 |
| Average equity | $39,468,800 | 1,761 |
| Average total loans | $188,183,400 | 2,110 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 5,870 |
| Cost of funding earning assets | 0.6712% | 4,008 |
| Net interest margin | 3.1949% | 5,717 |
| Noninterest income to average assets | 1.4595% | 702 |
| Noninterest expense to average assets | 3.8626% | 1,114 |
| Loan and lease loss provision to assets | 0.0464% | 5,196 |
| Net operating income to assets | 0.3782% | 5,336 |
| Return on assets (ROA) | 0.4345% | 5,337 |
| Pretax return on assets | 0.5458% | 5,324 |
| Return on Equity (ROE) | 4.3146% | 5,143 |
| Retained earnings to average equity (ytd only) | 4.3146% | 3,852 |
| Net charge-offs to loans | 0.1231% | 4,145 |
| Credit loss provision to net charge-offs | 77.5862% | 3,691 |
| Earnings coverage of net charge-offs (x) | 8.7300% | 2,404 |
| Efficiency ratio | 88.0993% | 1,185 |
| Assets per employee ($millions) | 3.5174% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 2,216 |
| Loan loss allowance to noncurrent loans | 60.8966% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 3,143 |
| Noncurrent loans to loans | 3.2536% | 1,695 |
| Net loans and leases to total assets | 47.5890% | 5,597 |
| Net loans and leases to deposits | 56.3276% | 5,604 |
| Net loans and leases to core deposits | 57.9103% | 5,739 |
| Total domestic deposits to total assets | 84.4862% | 3,986 |
| Equity capital to assets | 10.6924% | 3,618 |
| Core capital (leverage) ratio | 9.3041% | 4,577 |
| Tier 1 risk-based capital ratio | 18.3226% | 2,225 |
| Total risk-based capital ratio | 19.6972% | 2,152 |
| Memoranda: | ||
| Average total assets | $388,153,750 | 1,710 |
| Average earning assets | $355,352,000 | 1,698 |
| Average equity | $39,091,250 | 1,791 |
| Average total loans | $188,454,250 | 2,126 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 5,809 |
| Cost of funding earning assets | 0.6848% | 4,146 |
| Net interest margin | 3.2558% | 5,578 |
| Noninterest income to average assets | 1.2466% | 919 |
| Noninterest expense to average assets | 3.8001% | 1,212 |
| Loan and lease loss provision to assets | 0.0232% | 5,374 |
| Net operating income to assets | 0.3232% | 5,529 |
| Return on assets (ROA) | 0.3582% | 5,613 |
| Pretax return on assets | 0.4339% | 5,620 |
| Return on Equity (ROE) | 3.6315% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.6315% | 4,180 |
| Net charge-offs to loans | -0.1039% | 6,871 |
| Credit loss provision to net charge-offs | -45.9184% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1575% | 1,060 |
| Assets per employee ($millions) | 3.7784% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 2,064 |
| Loan loss allowance to noncurrent loans | 58.9728% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.8952% | 2,913 |
| Noncurrent loans to loans | 3.5024% | 1,636 |
| Net loans and leases to total assets | 47.1070% | 5,708 |
| Net loans and leases to deposits | 56.1637% | 5,631 |
| Net loans and leases to core deposits | 57.8094% | 5,792 |
| Total domestic deposits to total assets | 83.8745% | 4,361 |
| Equity capital to assets | 10.1639% | 4,106 |
| Core capital (leverage) ratio | 9.1084% | 4,750 |
| Tier 1 risk-based capital ratio | 17.7628% | 2,378 |
| Total risk-based capital ratio | 19.1305% | 2,300 |
| Memoranda: | ||
| Average total assets | $388,565,330 | 1,706 |
| Average earning assets | $354,263,330 | 1,702 |
| Average equity | $38,331,330 | 1,823 |
| Average total loans | $188,654,670 | 2,128 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 5,676 |
| Cost of funding earning assets | 0.7185% | 4,121 |
| Net interest margin | 3.3102% | 5,439 |
| Noninterest income to average assets | 1.1988% | 997 |
| Noninterest expense to average assets | 3.8440% | 1,147 |
| Loan and lease loss provision to assets | 0.0259% | 5,027 |
| Net operating income to assets | 0.2881% | 5,697 |
| Return on assets (ROA) | 0.2899% | 5,857 |
| Pretax return on assets | 0.3313% | 5,906 |
| Return on Equity (ROE) | 2.9845% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.9845% | 4,762 |
| Net charge-offs to loans | -0.1952% | 6,987 |
| Credit loss provision to net charge-offs | -27.1739% | 5,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5434% | 977 |
| Assets per employee ($millions) | 3.6442% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 2,260 |
| Loan loss allowance to noncurrent loans | 81.7626% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 3,233 |
| Noncurrent loans to loans | 2.4861% | 2,621 |
| Net loans and leases to total assets | 47.9328% | 5,564 |
| Net loans and leases to deposits | 56.6607% | 5,528 |
| Net loans and leases to core deposits | 58.2623% | 5,690 |
| Total domestic deposits to total assets | 84.5963% | 4,222 |
| Equity capital to assets | 9.6839% | 4,544 |
| Core capital (leverage) ratio | 9.0540% | 4,758 |
| Tier 1 risk-based capital ratio | 17.2323% | 2,586 |
| Total risk-based capital ratio | 18.5969% | 2,502 |
| Memoranda: | ||
| Average total assets | $386,373,000 | 1,717 |
| Average earning assets | $350,189,000 | 1,728 |
| Average equity | $37,527,500 | 1,859 |
| Average total loans | $188,476,500 | 2,136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 5,462 |
| Cost of funding earning assets | 0.8833% | 4,231 |
| Net interest margin | 3.5077% | 5,115 |
| Noninterest income to average assets | 0.9523% | 1,501 |
| Noninterest expense to average assets | 3.7575% | 1,426 |
| Loan and lease loss provision to assets | 0.2039% | 4,146 |
| Net operating income to assets | 0.1734% | 5,665 |
| Return on assets (ROA) | 0.1810% | 5,781 |
| Pretax return on assets | 0.1679% | 5,858 |
| Return on Equity (ROE) | 1.9289% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.9289% | 4,834 |
| Net charge-offs to loans | 0.5082% | 2,960 |
| Credit loss provision to net charge-offs | 79.4057% | 4,483 |
| Earnings coverage of net charge-offs (x) | 1.4180% | 4,709 |
| Efficiency ratio | 91.1639% | 1,106 |
| Assets per employee ($millions) | 3.6115% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 2,213 |
| Loan loss allowance to noncurrent loans | 87.9149% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 3,308 |
| Noncurrent loans to loans | 2.2979% | 2,857 |
| Net loans and leases to total assets | 47.6494% | 5,862 |
| Net loans and leases to deposits | 56.1432% | 5,880 |
| Net loans and leases to core deposits | 57.8918% | 6,005 |
| Total domestic deposits to total assets | 84.8713% | 3,914 |
| Equity capital to assets | 9.7422% | 4,524 |
| Core capital (leverage) ratio | 9.0710% | 4,666 |
| Tier 1 risk-based capital ratio | 17.1119% | 2,547 |
| Total risk-based capital ratio | 18.4294% | 2,481 |
| Memoranda: | ||
| Average total assets | $380,015,400 | 1,702 |
| Average earning assets | $343,355,400 | 1,740 |
| Average equity | $35,668,400 | 1,899 |
| Average total loans | $192,038,000 | 2,106 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 5,492 |
| Cost of funding earning assets | 0.9010% | 4,389 |
| Net interest margin | 3.5304% | 5,060 |
| Noninterest income to average assets | 0.8211% | 1,954 |
| Noninterest expense to average assets | 3.7358% | 1,424 |
| Loan and lease loss provision to assets | 0.0264% | 6,117 |
| Net operating income to assets | 0.2366% | 5,600 |
| Return on assets (ROA) | 0.2373% | 5,741 |
| Pretax return on assets | 0.2538% | 5,799 |
| Return on Equity (ROE) | 2.5523% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.5523% | 4,836 |
| Net charge-offs to loans | 0.1075% | 4,930 |
| Credit loss provision to net charge-offs | 48.0769% | 5,076 |
| Earnings coverage of net charge-offs (x) | 5.0963% | 2,877 |
| Efficiency ratio | 93.0404% | 968 |
| Assets per employee ($millions) | 3.6387% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 2,234 |
| Loan loss allowance to noncurrent loans | 34.7542% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 3.2358% | 1,969 |
| Noncurrent loans to loans | 5.8655% | 966 |
| Net loans and leases to total assets | 48.8143% | 5,860 |
| Net loans and leases to deposits | 57.4792% | 5,891 |
| Net loans and leases to core deposits | 59.3414% | 6,037 |
| Total domestic deposits to total assets | 84.9252% | 3,804 |
| Equity capital to assets | 9.9417% | 4,423 |
| Core capital (leverage) ratio | 9.1872% | 4,645 |
| Tier 1 risk-based capital ratio | 16.7489% | 2,739 |
| Total risk-based capital ratio | 18.0063% | 2,710 |
| Memoranda: | ||
| Average total assets | $379,314,000 | 1,717 |
| Average earning assets | $343,183,000 | 1,736 |
| Average equity | $35,261,750 | 1,914 |
| Average total loans | $193,504,250 | 2,122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 5,418 |
| Cost of funding earning assets | 0.9183% | 4,528 |
| Net interest margin | 3.5610% | 4,880 |
| Noninterest income to average assets | 0.8076% | 1,984 |
| Noninterest expense to average assets | 3.7881% | 1,364 |
| Loan and lease loss provision to assets | 0.0132% | 6,112 |
| Net operating income to assets | 0.2088% | 5,710 |
| Return on assets (ROA) | 0.2119% | 5,817 |
| Pretax return on assets | 0.2172% | 5,895 |
| Return on Equity (ROE) | 2.3345% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.3345% | 4,799 |
| Net charge-offs to loans | 0.0463% | 5,205 |
| Credit loss provision to net charge-offs | 55.5556% | 4,449 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 1,910 |
| Efficiency ratio | 94.3399% | 958 |
| Assets per employee ($millions) | 3.6873% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 2,181 |
| Loan loss allowance to noncurrent loans | 31.8391% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 3.6588% | 1,789 |
| Noncurrent loans to loans | 6.5030% | 859 |
| Net loans and leases to total assets | 49.5723% | 5,878 |
| Net loans and leases to deposits | 58.0954% | 5,926 |
| Net loans and leases to core deposits | 60.0014% | 6,090 |
| Total domestic deposits to total assets | 85.3293% | 3,716 |
| Equity capital to assets | 9.3515% | 5,074 |
| Core capital (leverage) ratio | 9.0914% | 4,585 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,508 |
| Total risk-based capital ratio | 18.2870% | 2,481 |
| Memoranda: | ||
| Average total assets | $378,396,000 | 1,732 |
| Average earning assets | $340,860,330 | 1,754 |
| Average equity | $34,354,330 | 1,943 |
| Average total loans | $194,544,000 | 2,135 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 5,657 |
| Cost of funding earning assets | 0.9388% | 4,657 |
| Net interest margin | 3.4711% | 5,141 |
| Noninterest income to average assets | 0.8284% | 1,927 |
| Noninterest expense to average assets | 3.7899% | 1,354 |
| Loan and lease loss provision to assets | 0.0263% | 5,634 |
| Net operating income to assets | 0.1528% | 5,935 |
| Return on assets (ROA) | 0.1528% | 5,991 |
| Pretax return on assets | 0.1296% | 6,108 |
| Return on Equity (ROE) | 1.7086% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.7086% | 5,097 |
| Net charge-offs to loans | 0.0651% | 4,276 |
| Credit loss provision to net charge-offs | 78.1250% | 3,195 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 2,428 |
| Efficiency ratio | 96.0470% | 919 |
| Assets per employee ($millions) | 3.5988% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 2,318 |
| Loan loss allowance to noncurrent loans | 31.4163% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 3.6967% | 1,832 |
| Noncurrent loans to loans | 6.4839% | 921 |
| Net loans and leases to total assets | 50.3352% | 5,805 |
| Net loans and leases to deposits | 58.6965% | 5,859 |
| Net loans and leases to core deposits | 60.6451% | 6,052 |
| Total domestic deposits to total assets | 85.7550% | 3,665 |
| Equity capital to assets | 8.9567% | 5,273 |
| Core capital (leverage) ratio | 9.0470% | 4,541 |
| Tier 1 risk-based capital ratio | 16.3876% | 2,712 |
| Total risk-based capital ratio | 17.6452% | 2,679 |
| Memoranda: | ||
| Average total assets | $379,539,500 | 1,732 |
| Average earning assets | $340,872,500 | 1,769 |
| Average equity | $33,945,500 | 1,947 |
| Average total loans | $196,622,000 | 2,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 5,707 |
| Cost of funding earning assets | 0.9685% | 5,852 |
| Net interest margin | 3.7575% | 4,121 |
| Noninterest income to average assets | 1.0300% | 1,415 |
| Noninterest expense to average assets | 3.6487% | 1,811 |
| Loan and lease loss provision to assets | 0.3495% | 4,030 |
| Net operating income to assets | 0.4161% | 4,478 |
| Return on assets (ROA) | 0.4812% | 4,344 |
| Pretax return on assets | 0.4626% | 4,754 |
| Return on Equity (ROE) | 5.4359% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.4359% | 2,157 |
| Net charge-offs to loans | 0.5274% | 3,515 |
| Credit loss provision to net charge-offs | 119.1451% | 3,561 |
| Earnings coverage of net charge-offs (x) | 2.5467% | 3,838 |
| Efficiency ratio | 83.0035% | 2,051 |
| Assets per employee ($millions) | 3.7010% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 2,329 |
| Loan loss allowance to noncurrent loans | 73.4384% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.7773% | 3,650 |
| Noncurrent loans to loans | 2.7099% | 2,809 |
| Net loans and leases to total assets | 51.1860% | 6,025 |
| Net loans and leases to deposits | 59.6978% | 6,091 |
| Net loans and leases to core deposits | 61.7684% | 6,252 |
| Total domestic deposits to total assets | 85.7418% | 3,478 |
| Equity capital to assets | 8.9311% | 5,234 |
| Core capital (leverage) ratio | 8.8613% | 4,763 |
| Tier 1 risk-based capital ratio | 16.1140% | 2,696 |
| Total risk-based capital ratio | 17.3715% | 2,649 |
| Memoranda: | ||
| Average total assets | $382,798,800 | 1,717 |
| Average earning assets | $342,891,400 | 1,743 |
| Average equity | $33,886,000 | 1,950 |
| Average total loans | $212,938,600 | 2,037 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 5,745 |
| Cost of funding earning assets | 0.9592% | 6,135 |
| Net interest margin | 3.8182% | 3,890 |
| Noninterest income to average assets | 0.9356% | 1,668 |
| Noninterest expense to average assets | 3.6012% | 1,791 |
| Loan and lease loss provision to assets | 0.4043% | 3,486 |
| Net operating income to assets | 0.2900% | 5,205 |
| Return on assets (ROA) | 0.3573% | 5,121 |
| Pretax return on assets | 0.4412% | 5,109 |
| Return on Equity (ROE) | 4.0457% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.0457% | 3,632 |
| Net charge-offs to loans | 0.6876% | 2,706 |
| Credit loss provision to net charge-offs | 104.1219% | 4,120 |
| Earnings coverage of net charge-offs (x) | 1.9633% | 4,240 |
| Efficiency ratio | 82.5293% | 2,005 |
| Assets per employee ($millions) | 3.6520% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,694 |
| Loan loss allowance to noncurrent loans | 102.5690% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.5047% | 4,202 |
| Noncurrent loans to loans | 1.7814% | 3,973 |
| Net loans and leases to total assets | 53.1458% | 5,965 |
| Net loans and leases to deposits | 62.2309% | 6,096 |
| Net loans and leases to core deposits | 64.2378% | 6,280 |
| Total domestic deposits to total assets | 85.4010% | 3,406 |
| Equity capital to assets | 9.0859% | 5,466 |
| Core capital (leverage) ratio | 8.9968% | 4,699 |
| Tier 1 risk-based capital ratio | 15.6679% | 2,918 |
| Total risk-based capital ratio | 16.9239% | 2,874 |
| Memoranda: | ||
| Average total assets | $383,197,000 | 1,737 |
| Average earning assets | $344,030,500 | 1,765 |
| Average equity | $33,846,000 | 1,974 |
| Average total loans | $216,401,750 | 2,031 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 5,635 |
| Cost of funding earning assets | 0.9438% | 6,408 |
| Net interest margin | 3.8975% | 3,460 |
| Noninterest income to average assets | 0.8635% | 1,822 |
| Noninterest expense to average assets | 3.5583% | 1,891 |
| Loan and lease loss provision to assets | 0.3592% | 3,554 |
| Net operating income to assets | 0.3487% | 4,979 |
| Return on assets (ROA) | 0.4448% | 4,722 |
| Pretax return on assets | 0.5763% | 4,643 |
| Return on Equity (ROE) | 5.0844% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.0844% | 2,858 |
| Net charge-offs to loans | 0.3693% | 3,506 |
| Credit loss provision to net charge-offs | 169.8765% | 2,303 |
| Earnings coverage of net charge-offs (x) | 3.8346% | 3,164 |
| Efficiency ratio | 81.4434% | 2,239 |
| Assets per employee ($millions) | 3.5850% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 2,450 |
| Loan loss allowance to noncurrent loans | 101.1292% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 3,959 |
| Noncurrent loans to loans | 1.8654% | 3,910 |
| Net loans and leases to total assets | 55.6805% | 5,754 |
| Net loans and leases to deposits | 65.3298% | 5,888 |
| Net loans and leases to core deposits | 67.2598% | 6,124 |
| Total domestic deposits to total assets | 85.2298% | 3,501 |
| Equity capital to assets | 9.1351% | 5,242 |
| Core capital (leverage) ratio | 9.1010% | 4,459 |
| Tier 1 risk-based capital ratio | 15.2127% | 3,053 |
| Total risk-based capital ratio | 16.4700% | 3,008 |
| Memoranda: | ||
| Average total assets | $383,108,000 | 1,753 |
| Average earning assets | $344,581,330 | 1,776 |
| Average equity | $33,514,330 | 1,984 |
| Average total loans | $219,339,670 | 2,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 5,654 |
| Cost of funding earning assets | 0.9774% | 6,481 |
| Net interest margin | 3.8799% | 3,408 |
| Noninterest income to average assets | 0.7970% | 2,036 |
| Noninterest expense to average assets | 3.3723% | 2,310 |
| Loan and lease loss provision to assets | 0.5051% | 2,471 |
| Net operating income to assets | 0.3289% | 5,173 |
| Return on assets (ROA) | 0.4492% | 4,744 |
| Pretax return on assets | 0.5786% | 4,690 |
| Return on Equity (ROE) | 5.2482% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.2482% | 3,015 |
| Net charge-offs to loans | 0.6247% | 2,260 |
| Credit loss provision to net charge-offs | 140.6340% | 2,520 |
| Earnings coverage of net charge-offs (x) | 2.5879% | 3,238 |
| Efficiency ratio | 78.3927% | 2,834 |
| Assets per employee ($millions) | 3.7683% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 2,826 |
| Loan loss allowance to noncurrent loans | 84.9465% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 4,084 |
| Noncurrent loans to loans | 2.0841% | 3,678 |
| Net loans and leases to total assets | 57.8274% | 5,468 |
| Net loans and leases to deposits | 67.8370% | 5,613 |
| Net loans and leases to core deposits | 69.6180% | 5,949 |
| Total domestic deposits to total assets | 85.2447% | 3,540 |
| Equity capital to assets | 8.9693% | 5,325 |
| Core capital (leverage) ratio | 8.7583% | 4,923 |
| Tier 1 risk-based capital ratio | 14.5317% | 3,359 |
| Total risk-based capital ratio | 15.7995% | 3,316 |
| Memoranda: | ||
| Average total assets | $386,448,000 | 1,785 |
| Average earning assets | $349,085,000 | 1,790 |
| Average equity | $33,078,000 | 2,028 |
| Average total loans | $222,196,000 | 2,059 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 5,767 |
| Cost of funding earning assets | 1.6994% | 4,513 |
| Net interest margin | 3.4751% | 5,064 |
| Noninterest income to average assets | 0.8637% | 2,122 |
| Noninterest expense to average assets | 3.5470% | 2,279 |
| Loan and lease loss provision to assets | 0.6599% | 3,173 |
| Net operating income to assets | -0.1293% | 5,723 |
| Return on assets (ROA) | -0.3155% | 5,986 |
| Pretax return on assets | -0.4248% | 5,945 |
| Return on Equity (ROE) | -3.7907% | 6,094 |
| Retained earnings to average equity (ytd only) | -3.7907% | 5,839 |
| Net charge-offs to loans | 0.5164% | 3,711 |
| Credit loss provision to net charge-offs | 212.2449% | 1,810 |
| Earnings coverage of net charge-offs (x) | 1.5649% | 4,569 |
| Efficiency ratio | 87.9381% | 1,886 |
| Assets per employee ($millions) | 3.9984% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 3,019 |
| Loan loss allowance to noncurrent loans | 124.4850% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 5,148 |
| Noncurrent loans to loans | 1.3391% | 4,685 |
| Net loans and leases to total assets | 55.2792% | 6,049 |
| Net loans and leases to deposits | 64.7130% | 6,188 |
| Net loans and leases to core deposits | 72.0955% | 6,653 |
| Total domestic deposits to total assets | 85.4220% | 3,341 |
| Equity capital to assets | 8.1771% | 6,370 |
| Core capital (leverage) ratio | 8.2412% | 5,747 |
| Tier 1 risk-based capital ratio | 13.7975% | 3,634 |
| Total risk-based capital ratio | 15.0588% | 3,566 |
| Memoranda: | ||
| Average total assets | $394,023,800 | 1,744 |
| Average earning assets | $359,412,800 | 1,744 |
| Average equity | $32,790,400 | 2,039 |
| Average total loans | $237,208,400 | 1,976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2274% | 5,769 |
| Cost of funding earning assets | 1.8092% | 4,346 |
| Net interest margin | 3.4182% | 5,184 |
| Noninterest income to average assets | 0.7992% | 2,433 |
| Noninterest expense to average assets | 3.5546% | 2,134 |
| Loan and lease loss provision to assets | 0.2276% | 5,152 |
| Net operating income to assets | 0.1590% | 5,289 |
| Return on assets (ROA) | 0.0554% | 5,627 |
| Pretax return on assets | -0.0200% | 5,737 |
| Return on Equity (ROE) | 0.6623% | 5,588 |
| Retained earnings to average equity (ytd only) | 0.6623% | 4,914 |
| Net charge-offs to loans | 0.0571% | 6,134 |
| Credit loss provision to net charge-offs | 650.4854% | 572 |
| Earnings coverage of net charge-offs (x) | 10.5631% | 1,948 |
| Efficiency ratio | 90.5833% | 1,635 |
| Assets per employee ($millions) | 3.7720% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 4,709 |
| Loan loss allowance to noncurrent loans | 54.3756% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 4,411 |
| Noncurrent loans to loans | 2.3308% | 3,227 |
| Net loans and leases to total assets | 56.7277% | 6,063 |
| Net loans and leases to deposits | 66.1247% | 6,299 |
| Net loans and leases to core deposits | 74.1256% | 6,724 |
| Total domestic deposits to total assets | 85.7890% | 2,811 |
| Equity capital to assets | 8.3550% | 6,438 |
| Core capital (leverage) ratio | 8.5575% | 5,382 |
| Tier 1 risk-based capital ratio | 14.0342% | 3,530 |
| Total risk-based capital ratio | 15.2201% | 3,514 |
| Memoranda: | ||
| Average total assets | $392,570,750 | 1,763 |
| Average earning assets | $358,891,750 | 1,760 |
| Average equity | $32,814,250 | 2,061 |
| Average total loans | $240,317,250 | 1,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 5,729 |
| Cost of funding earning assets | 1.9326% | 4,097 |
| Net interest margin | 3.3516% | 5,355 |
| Noninterest income to average assets | 0.8542% | 2,163 |
| Noninterest expense to average assets | 3.6339% | 1,986 |
| Loan and lease loss provision to assets | 0.2931% | 4,222 |
| Net operating income to assets | 0.0562% | 5,693 |
| Return on assets (ROA) | 0.0273% | 5,850 |
| Pretax return on assets | -0.0535% | 5,941 |
| Return on Equity (ROE) | 0.3260% | 5,832 |
| Retained earnings to average equity (ytd only) | 0.3260% | 5,089 |
| Net charge-offs to loans | 0.0568% | 5,700 |
| Credit loss provision to net charge-offs | 826.0870% | 571 |
| Earnings coverage of net charge-offs (x) | 8.0290% | 2,329 |
| Efficiency ratio | 92.7297% | 1,589 |
| Assets per employee ($millions) | 3.8053% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 4,957 |
| Loan loss allowance to noncurrent loans | 128.0303% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,063 |
| Noncurrent loans to loans | 0.9360% | 5,349 |
| Net loans and leases to total assets | 57.6356% | 6,017 |
| Net loans and leases to deposits | 66.7734% | 6,322 |
| Net loans and leases to core deposits | 76.1224% | 6,667 |
| Total domestic deposits to total assets | 86.3152% | 2,613 |
| Equity capital to assets | 7.8517% | 6,911 |
| Core capital (leverage) ratio | 8.5446% | 5,366 |
| Tier 1 risk-based capital ratio | 13.0586% | 4,098 |
| Total risk-based capital ratio | 14.1447% | 4,131 |
| Memoranda: | ||
| Average total assets | $388,893,670 | 1,800 |
| Average earning assets | $355,592,000 | 1,791 |
| Average equity | $32,512,000 | 2,090 |
| Average total loans | $243,125,330 | 1,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 5,330 |
| Cost of funding earning assets | 1.9726% | 4,276 |
| Net interest margin | 3.4443% | 4,962 |
| Noninterest income to average assets | 0.8532% | 2,065 |
| Noninterest expense to average assets | 3.5463% | 1,983 |
| Loan and lease loss provision to assets | 0.0635% | 6,159 |
| Net operating income to assets | 0.3260% | 5,184 |
| Return on assets (ROA) | 0.3260% | 5,365 |
| Pretax return on assets | 0.3949% | 5,410 |
| Return on Equity (ROE) | 3.7752% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.7752% | 3,793 |
| Net charge-offs to loans | 0.0065% | 5,596 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 108.2500% | 406 |
| Efficiency ratio | 88.5541% | 1,842 |
| Assets per employee ($millions) | 3.7535% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 6,133 |
| Loan loss allowance to noncurrent loans | 471.4563% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 7,202 |
| Noncurrent loans to loans | 0.2133% | 6,919 |
| Net loans and leases to total assets | 60.0710% | 5,639 |
| Net loans and leases to deposits | 70.0467% | 5,973 |
| Net loans and leases to core deposits | 80.4174% | 6,352 |
| Total domestic deposits to total assets | 85.7586% | 2,846 |
| Equity capital to assets | 8.0066% | 6,800 |
| Core capital (leverage) ratio | 9.4608% | 4,036 |
| Tier 1 risk-based capital ratio | 13.8301% | 3,677 |
| Total risk-based capital ratio | 14.7836% | 3,765 |
| Memoranda: | ||
| Average total assets | $377,856,500 | 1,850 |
| Average earning assets | $345,730,500 | 1,854 |
| Average equity | $32,634,000 | 2,077 |
| Average total loans | $244,819,500 | 1,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6401% | 6,959 |
| Cost of funding earning assets | 2.2877% | 5,214 |
| Net interest margin | 3.3524% | 5,857 |
| Noninterest income to average assets | 0.6931% | 3,164 |
| Noninterest expense to average assets | 3.3671% | 2,772 |
| Loan and lease loss provision to assets | 0.0111% | 7,229 |
| Net operating income to assets | 0.2698% | 5,644 |
| Return on assets (ROA) | -0.2436% | 6,517 |
| Pretax return on assets | -0.3623% | 6,511 |
| Return on Equity (ROE) | -2.5829% | 6,572 |
| Retained earnings to average equity (ytd only) | -2.5829% | 6,012 |
| Net charge-offs to loans | 0.0089% | 6,803 |
| Credit loss provision to net charge-offs | 190.4762% | 2,586 |
| Earnings coverage of net charge-offs (x) | 71.3810% | 568 |
| Efficiency ratio | 89.0288% | 1,585 |
| Assets per employee ($millions) | 3.2829% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,602 |
| Loan loss allowance to noncurrent loans | 460.7724% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 7,030 |
| Noncurrent loans to loans | 0.1982% | 6,795 |
| Net loans and leases to total assets | 68.7284% | 4,314 |
| Net loans and leases to deposits | 78.7137% | 5,239 |
| Net loans and leases to core deposits | 90.1000% | 5,790 |
| Total domestic deposits to total assets | 87.3144% | 1,793 |
| Equity capital to assets | 9.3372% | 4,890 |
| Core capital (leverage) ratio | 9.9330% | 3,514 |
| Tier 1 risk-based capital ratio | 14.3303% | 3,376 |
| Total risk-based capital ratio | 15.2542% | 3,465 |
| Memoranda: | ||
| Average total assets | $361,260,800 | 1,856 |
| Average earning assets | $332,867,600 | 1,840 |
| Average equity | $34,070,200 | 1,989 |
| Average total loans | $236,900,600 | 1,993 |