Home > First Bank and Trust Company of Illinois > Performance and Condition Ratios
First Bank and Trust Company of Illinois, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4676% | 105 |
| Cost of funding earning assets | 1.5902% | 2,999 |
| Net interest margin | 6.8774% | 42 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 3.1495% | 939 |
| Loan and lease loss provision to assets | 3.3000% | 20 |
| Net operating income to assets | -0.1140% | 4,239 |
| Return on assets (ROA) | -0.0743% | 4,241 |
| Pretax return on assets | 0.2713% | 3,969 |
| Return on Equity (ROE) | -0.5100% | 4,212 |
| Retained earnings to average equity (ytd only) | -0.5070% | 3,793 |
| Net charge-offs to loans | 6.1768% | 35 |
| Credit loss provision to net charge-offs | 88.1356% | 1,350 |
| Earnings coverage of net charge-offs (x) | 0.9437% | 2,176 |
| Efficiency ratio | 47.2408% | 4,055 |
| Assets per employee ($millions) | 7.7418% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 454 |
| Loan loss allowance to noncurrent loans | 48.2765% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 2.3001% | 173 |
| Noncurrent loans to loans | 3.9373% | 120 |
| Net loans and leases to total assets | 57.3100% | 3,101 |
| Net loans and leases to deposits | 67.2161% | 3,049 |
| Net loans and leases to core deposits | 77.0746% | 2,885 |
| Total domestic deposits to total assets | 85.2600% | 2,554 |
| Equity capital to assets | 14.0487% | 692 |
| Core capital (leverage) ratio | 13.8492% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1918% | 450 |
| Memoranda: | ||
| Average total assets | $215,274,500 | 2,922 |
| Average earning assets | $208,275,500 | 2,858 |
| Average equity | $31,561,000 | 2,358 |
| Average total loans | $129,905,500 | 2,940 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6204% | 4,470 |
| Cost of funding earning assets | 0.4550% | 4,329 |
| Net interest margin | 2.1655% | 4,176 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 0.8479% | 4,426 |
| Loan and lease loss provision to assets | 1.4500% | 50 |
| Net operating income to assets | -1.2682% | 4,412 |
| Return on assets (ROA) | -1.2948% | 4,447 |
| Pretax return on assets | -0.2265% | 4,290 |
| Return on Equity (ROE) | -8.2000% | 4,401 |
| Retained earnings to average equity (ytd only) | -8.2001% | 4,374 |
| Net charge-offs to loans | 0.6750% | 228 |
| Credit loss provision to net charge-offs | 289.3756% | 890 |
| Earnings coverage of net charge-offs (x) | 2.4949% | 2,824 |
| Efficiency ratio | 40.4184% | 4,319 |
| Assets per employee ($millions) | 7.1047% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 304 |
| Loan loss allowance to noncurrent loans | 37.6846% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 3.5173% | 53 |
| Noncurrent loans to loans | 5.6329% | 53 |
| Net loans and leases to total assets | 61.1200% | 2,831 |
| Net loans and leases to deposits | 73.8064% | 2,663 |
| Net loans and leases to core deposits | 85.8348% | 2,406 |
| Total domestic deposits to total assets | 82.8100% | 3,074 |
| Equity capital to assets | 15.3278% | 526 |
| Core capital (leverage) ratio | 14.1946% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5632% | 435 |
| Memoranda: | ||
| Average total assets | $214,167,600 | 2,903 |
| Average earning assets | $207,713,800 | 2,836 |
| Average equity | $33,816,800 | 2,221 |
| Average total loans | $158,970,800 | 2,660 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9994% | 79 |
| Cost of funding earning assets | 2.5972% | 985 |
| Net interest margin | 7.4022% | 37 |
| Noninterest income to average assets | 0.0100% | 4,454 |
| Noninterest expense to average assets | 4.0011% | 368 |
| Loan and lease loss provision to assets | 2.0600% | 31 |
| Net operating income to assets | 0.6148% | 3,183 |
| Return on assets (ROA) | 0.6333% | 3,156 |
| Pretax return on assets | 1.1606% | 2,088 |
| Return on Equity (ROE) | 3.9800% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.9833% | 2,865 |
| Net charge-offs to loans | 2.2903% | 67 |
| Credit loss provision to net charge-offs | 116.5327% | 1,523 |
| Earnings coverage of net charge-offs (x) | 1.8099% | 2,635 |
| Efficiency ratio | 55.6146% | 3,584 |
| Assets per employee ($millions) | 7.3748% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 575 |
| Loan loss allowance to noncurrent loans | 28.3870% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 4.6005% | 30 |
| Noncurrent loans to loans | 6.2320% | 46 |
| Net loans and leases to total assets | 72.5100% | 1,544 |
| Net loans and leases to deposits | 86.9770% | 1,542 |
| Net loans and leases to core deposits | 102.7876% | 1,312 |
| Total domestic deposits to total assets | 83.3700% | 2,742 |
| Equity capital to assets | 15.9153% | 502 |
| Core capital (leverage) ratio | 15.4505% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4660% | 563 |
| Memoranda: | ||
| Average total assets | $216,200,250 | 2,893 |
| Average earning assets | $209,913,000 | 2,830 |
| Average equity | $34,375,750 | 2,197 |
| Average total loans | $166,549,750 | 2,596 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4326% | 73 |
| Cost of funding earning assets | 2.5505% | 998 |
| Net interest margin | 7.8821% | 25 |
| Noninterest income to average assets | 0.0100% | 4,473 |
| Noninterest expense to average assets | 3.8299% | 418 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 2.8679% | 166 |
| Return on assets (ROA) | 2.8482% | 170 |
| Pretax return on assets | 3.7608% | 126 |
| Return on Equity (ROE) | 17.9200% | 626 |
| Retained earnings to average equity (ytd only) | 17.9191% | 174 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.9459% | 4,011 |
| Assets per employee ($millions) | 7.1684% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,188 |
| Loan loss allowance to noncurrent loans | 33.0506% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 3.3443% | 55 |
| Noncurrent loans to loans | 4.4204% | 80 |
| Net loans and leases to total assets | 74.5500% | 1,360 |
| Net loans and leases to deposits | 90.1775% | 1,295 |
| Net loans and leases to core deposits | 106.5368% | 1,126 |
| Total domestic deposits to total assets | 82.6700% | 2,937 |
| Equity capital to assets | 16.7871% | 411 |
| Core capital (leverage) ratio | 16.2945% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4059% | 511 |
| Memoranda: | ||
| Average total assets | $216,977,000 | 2,890 |
| Average earning assets | $210,858,000 | 2,818 |
| Average equity | $34,488,333 | 2,155 |
| Average total loans | $169,440,000 | 2,568 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0295% | 78 |
| Cost of funding earning assets | 2.4715% | 1,038 |
| Net interest margin | 7.5580% | 33 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 4.0507% | 349 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 2.4892% | 248 |
| Return on assets (ROA) | 2.4631% | 252 |
| Pretax return on assets | 3.2156% | 180 |
| Return on Equity (ROE) | 15.9400% | 845 |
| Retained earnings to average equity (ytd only) | 15.9373% | 367 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.0511% | 3,678 |
| Assets per employee ($millions) | 7.1154% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 78.4600% | 790 |
| Net loans and leases to deposits | 93.4943% | 906 |
| Net loans and leases to core deposits | 108.7472% | 995 |
| Total domestic deposits to total assets | 83.9100% | 2,737 |
| Equity capital to assets | 15.5741% | 491 |
| Core capital (leverage) ratio | 15.6952% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3423% | 652 |
| Memoranda: | ||
| Average total assets | $217,939,500 | 2,887 |
| Average earning assets | $211,855,000 | 2,821 |
| Average equity | $33,682,000 | 2,193 |
| Average total loans | $172,810,000 | 2,552 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6083% | 81 |
| Cost of funding earning assets | 1.4927% | 1,965 |
| Net interest margin | 8.1156% | 32 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 3.7627% | 439 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 4.0917% | 96 |
| Return on assets (ROA) | 4.1029% | 98 |
| Pretax return on assets | 4.2118% | 108 |
| Return on Equity (ROE) | 29.5800% | 191 |
| Retained earnings to average equity (ytd only) | 29.5781% | 50 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.6372% | 4,169 |
| Assets per employee ($millions) | 7.6893% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,534 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.9800% | 871 |
| Net loans and leases to deposits | 92.6439% | 1,046 |
| Net loans and leases to core deposits | 105.1751% | 1,153 |
| Total domestic deposits to total assets | 84.1700% | 2,573 |
| Equity capital to assets | 15.3325% | 524 |
| Core capital (leverage) ratio | 15.5285% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1409% | 681 |
| Memoranda: | ||
| Average total assets | $207,512,600 | 2,939 |
| Average earning assets | $202,314,600 | 2,841 |
| Average equity | $28,784,800 | 2,327 |
| Average total loans | $162,349,400 | 2,579 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4774% | 77 |
| Cost of funding earning assets | 1.2906% | 2,173 |
| Net interest margin | 8.1868% | 30 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 3.6192% | 487 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 4.2153% | 104 |
| Return on assets (ROA) | 4.1789% | 105 |
| Pretax return on assets | 4.1789% | 124 |
| Return on Equity (ROE) | 30.9800% | 205 |
| Retained earnings to average equity (ytd only) | 30.9809% | 81 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.2812% | 4,172 |
| Assets per employee ($millions) | 7.1646% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,498 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.2600% | 607 |
| Net loans and leases to deposits | 94.8084% | 834 |
| Net loans and leases to core deposits | 107.3527% | 963 |
| Total domestic deposits to total assets | 84.6600% | 2,611 |
| Equity capital to assets | 14.8913% | 544 |
| Core capital (leverage) ratio | 14.8583% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1061% | 803 |
| Memoranda: | ||
| Average total assets | $205,565,500 | 2,955 |
| Average earning assets | $200,528,500 | 2,872 |
| Average equity | $27,728,250 | 2,367 |
| Average total loans | $160,383,750 | 2,609 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1728% | 77 |
| Cost of funding earning assets | 1.0860% | 2,334 |
| Net interest margin | 8.0868% | 35 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 3.5590% | 499 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 4.1469% | 94 |
| Return on assets (ROA) | 4.1459% | 95 |
| Pretax return on assets | 4.1459% | 107 |
| Return on Equity (ROE) | 31.8600% | 183 |
| Retained earnings to average equity (ytd only) | 31.8558% | 73 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.0779% | 4,203 |
| Assets per employee ($millions) | 6.8756% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.8900% | 845 |
| Net loans and leases to deposits | 90.8993% | 1,114 |
| Net loans and leases to core deposits | 101.1184% | 1,179 |
| Total domestic deposits to total assets | 85.6900% | 2,332 |
| Equity capital to assets | 13.9348% | 658 |
| Core capital (leverage) ratio | 14.0410% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4967% | 887 |
| Memoranda: | ||
| Average total assets | $204,830,000 | 2,970 |
| Average earning assets | $199,808,000 | 2,889 |
| Average equity | $26,657,667 | 2,429 |
| Average total loans | $157,474,333 | 2,622 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1234% | 36 |
| Cost of funding earning assets | 0.8699% | 2,471 |
| Net interest margin | 8.2534% | 28 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 3.5824% | 491 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 4.3290% | 88 |
| Return on assets (ROA) | 4.3819% | 84 |
| Pretax return on assets | 4.3819% | 102 |
| Return on Equity (ROE) | 34.9200% | 159 |
| Retained earnings to average equity (ytd only) | 34.9170% | 80 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.4553% | 4,285 |
| Assets per employee ($millions) | 7.8588% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,528 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 73.8200% | 1,226 |
| Net loans and leases to deposits | 85.1998% | 1,415 |
| Net loans and leases to core deposits | 92.2051% | 1,498 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 13.0833% | 741 |
| Core capital (leverage) ratio | 13.0517% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4373% | 917 |
| Memoranda: | ||
| Average total assets | $204,111,000 | 3,011 |
| Average earning assets | $199,093,500 | 2,937 |
| Average equity | $25,615,000 | 2,512 |
| Average total loans | $154,733,500 | 2,663 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7524% | 54 |
| Cost of funding earning assets | 0.3842% | 2,226 |
| Net interest margin | 6.3682% | 41 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 3.4307% | 529 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 2.7017% | 132 |
| Return on assets (ROA) | 2.5887% | 133 |
| Pretax return on assets | 2.5887% | 188 |
| Return on Equity (ROE) | 25.6800% | 186 |
| Retained earnings to average equity (ytd only) | 25.6824% | 43 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.9481% | 3,688 |
| Assets per employee ($millions) | 7.5516% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,713 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.7100% | 1,034 |
| Net loans and leases to deposits | 86.4402% | 1,285 |
| Net loans and leases to core deposits | 91.7007% | 1,408 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 12.0146% | 930 |
| Core capital (leverage) ratio | 11.8933% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6012% | 1,211 |
| Memoranda: | ||
| Average total assets | $211,534,000 | 2,968 |
| Average earning assets | $206,918,600 | 2,884 |
| Average equity | $21,322,000 | 2,829 |
| Average total loans | $156,867,400 | 2,564 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1764% | 69 |
| Cost of funding earning assets | 0.3305% | 1,856 |
| Net interest margin | 5.8459% | 55 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 3.3969% | 527 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 2.1957% | 214 |
| Return on assets (ROA) | 2.0439% | 272 |
| Pretax return on assets | 2.0439% | 426 |
| Return on Equity (ROE) | 21.2500% | 338 |
| Retained earnings to average equity (ytd only) | 21.2515% | 76 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.1859% | 3,224 |
| Assets per employee ($millions) | 7.3185% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,605 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.2700% | 1,264 |
| Net loans and leases to deposits | 81.3971% | 1,493 |
| Net loans and leases to core deposits | 86.0825% | 1,517 |
| Total domestic deposits to total assets | 88.7900% | 2,167 |
| Equity capital to assets | 10.8789% | 1,222 |
| Core capital (leverage) ratio | 10.5460% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8515% | 1,470 |
| Memoranda: | ||
| Average total assets | $213,444,250 | 2,979 |
| Average earning assets | $208,961,250 | 2,888 |
| Average equity | $20,528,250 | 2,947 |
| Average total loans | $156,969,250 | 2,570 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7188% | 87 |
| Cost of funding earning assets | 0.3371% | 1,386 |
| Net interest margin | 5.3817% | 81 |
| Noninterest income to average assets | 0.0213% | 4,700 |
| Noninterest expense to average assets | 3.1967% | 636 |
| Loan and lease loss provision to assets | 0.1248% | 782 |
| Net operating income to assets | 1.9705% | 242 |
| Return on assets (ROA) | 1.8207% | 319 |
| Pretax return on assets | 1.8207% | 567 |
| Return on Equity (ROE) | 19.7492% | 325 |
| Retained earnings to average equity (ytd only) | 19.7492% | 80 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4054% | 3,247 |
| Assets per employee ($millions) | 7.6639% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 73.3806% | 965 |
| Net loans and leases to deposits | 81.5949% | 1,274 |
| Net loans and leases to core deposits | 86.3594% | 1,319 |
| Total domestic deposits to total assets | 89.9328% | 1,737 |
| Equity capital to assets | 9.7815% | 1,829 |
| Core capital (leverage) ratio | 9.7071% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0535% | 2,041 |
| Memoranda: | ||
| Average total assets | $216,286,000 | 2,980 |
| Average earning assets | $211,828,000 | 2,904 |
| Average equity | $19,940,000 | 3,078 |
| Average total loans | $159,225,667 | 2,556 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 96 |
| Cost of funding earning assets | 0.3461% | 1,242 |
| Net interest margin | 5.1070% | 90 |
| Noninterest income to average assets | 0.0074% | 4,744 |
| Noninterest expense to average assets | 3.1354% | 662 |
| Loan and lease loss provision to assets | 0.2487% | 262 |
| Net operating income to assets | 1.6248% | 480 |
| Return on assets (ROA) | 1.4516% | 708 |
| Pretax return on assets | 1.4516% | 1,125 |
| Return on Equity (ROE) | 16.2349% | 509 |
| Retained earnings to average equity (ytd only) | 16.2349% | 218 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5965% | 3,192 |
| Assets per employee ($millions) | 7.6226% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 77.7597% | 392 |
| Net loans and leases to deposits | 85.9663% | 742 |
| Net loans and leases to core deposits | 91.0065% | 875 |
| Total domestic deposits to total assets | 90.4536% | 1,319 |
| Equity capital to assets | 9.2812% | 2,460 |
| Core capital (leverage) ratio | 8.9907% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8921% | 2,644 |
| Memoranda: | ||
| Average total assets | $217,135,000 | 2,988 |
| Average earning assets | $212,649,000 | 2,909 |
| Average equity | $19,415,000 | 3,197 |
| Average total loans | $159,104,500 | 2,558 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 276 |
| Cost of funding earning assets | 0.5169% | 865 |
| Net interest margin | 4.4287% | 310 |
| Noninterest income to average assets | -0.0584% | 4,830 |
| Noninterest expense to average assets | 2.8772% | 1,201 |
| Loan and lease loss provision to assets | 0.0356% | 2,337 |
| Net operating income to assets | 1.3647% | 1,397 |
| Return on assets (ROA) | 1.3357% | 1,531 |
| Pretax return on assets | 1.3357% | 2,253 |
| Return on Equity (ROE) | 16.0145% | 759 |
| Retained earnings to average equity (ytd only) | 16.0145% | 173 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2628% | 2,089 |
| Assets per employee ($millions) | 7.8871% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.1877% | 1,349 |
| Net loans and leases to deposits | 73.7437% | 1,738 |
| Net loans and leases to core deposits | 78.4477% | 1,726 |
| Total domestic deposits to total assets | 91.1098% | 457 |
| Equity capital to assets | 8.6131% | 3,975 |
| Core capital (leverage) ratio | 8.7413% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5063% | 2,451 |
| Memoranda: | ||
| Average total assets | $210,449,000 | 2,984 |
| Average earning assets | $206,043,400 | 2,907 |
| Average equity | $17,552,800 | 3,424 |
| Average total loans | $145,342,800 | 2,673 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 275 |
| Cost of funding earning assets | 0.5557% | 804 |
| Net interest margin | 4.4932% | 319 |
| Noninterest income to average assets | -0.0808% | 4,904 |
| Noninterest expense to average assets | 2.8751% | 1,177 |
| Loan and lease loss provision to assets | 0.0481% | 2,036 |
| Net operating income to assets | 1.3945% | 1,565 |
| Return on assets (ROA) | 1.3676% | 1,692 |
| Pretax return on assets | 1.3676% | 2,442 |
| Return on Equity (ROE) | 16.5404% | 843 |
| Retained earnings to average equity (ytd only) | 16.5404% | 263 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5874% | 2,024 |
| Assets per employee ($millions) | 7.6199% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.7762% | 1,912 |
| Net loans and leases to deposits | 68.9567% | 2,335 |
| Net loans and leases to core deposits | 74.0980% | 2,232 |
| Total domestic deposits to total assets | 91.0371% | 357 |
| Equity capital to assets | 8.5968% | 4,131 |
| Core capital (leverage) ratio | 8.5340% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4013% | 2,202 |
| Memoranda: | ||
| Average total assets | $207,851,750 | 3,033 |
| Average earning assets | $203,473,000 | 2,955 |
| Average equity | $17,185,750 | 3,489 |
| Average total loans | $144,117,750 | 2,724 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1346% | 283 |
| Cost of funding earning assets | 0.5874% | 793 |
| Net interest margin | 4.5472% | 327 |
| Noninterest income to average assets | -0.1262% | 4,940 |
| Noninterest expense to average assets | 2.9833% | 1,015 |
| Loan and lease loss provision to assets | 0.0728% | 1,615 |
| Net operating income to assets | 1.2669% | 1,965 |
| Return on assets (ROA) | 1.2378% | 2,122 |
| Pretax return on assets | 1.2378% | 2,810 |
| Return on Equity (ROE) | 15.1783% | 1,111 |
| Retained earnings to average equity (ytd only) | 15.1783% | 406 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0097% | 1,759 |
| Assets per employee ($millions) | 8.7081% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.2558% | 1,549 |
| Net loans and leases to deposits | 73.4341% | 2,056 |
| Net loans and leases to core deposits | 78.8580% | 1,971 |
| Total domestic deposits to total assets | 91.5867% | 217 |
| Equity capital to assets | 8.0316% | 4,515 |
| Core capital (leverage) ratio | 8.0634% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8556% | 2,758 |
| Memoranda: | ||
| Average total assets | $206,016,333 | 3,053 |
| Average earning assets | $201,574,667 | 2,968 |
| Average equity | $16,800,333 | 3,531 |
| Average total loans | $146,888,667 | 2,717 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 366 |
| Cost of funding earning assets | 0.6257% | 776 |
| Net interest margin | 4.3594% | 463 |
| Noninterest income to average assets | -0.2678% | 4,966 |
| Noninterest expense to average assets | 2.9315% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0611% | 2,601 |
| Return on assets (ROA) | 0.9911% | 2,931 |
| Pretax return on assets | 0.9911% | 3,395 |
| Return on Equity (ROE) | 12.0549% | 1,992 |
| Retained earnings to average equity (ytd only) | 12.0549% | 1,128 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4234% | 1,356 |
| Assets per employee ($millions) | 7.4373% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.1798% | 1,130 |
| Net loans and leases to deposits | 77.9034% | 1,727 |
| Net loans and leases to core deposits | 83.7169% | 1,699 |
| Total domestic deposits to total assets | 91.3693% | 271 |
| Equity capital to assets | 8.3194% | 4,258 |
| Core capital (leverage) ratio | 8.2929% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8859% | 2,709 |
| Memoranda: | ||
| Average total assets | $200,173,000 | 3,088 |
| Average earning assets | $195,624,000 | 3,013 |
| Average equity | $16,458,000 | 3,562 |
| Average total loans | $146,190,500 | 2,735 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 236 |
| Cost of funding earning assets | 1.0853% | 427 |
| Net interest margin | 4.2739% | 538 |
| Noninterest income to average assets | -1.5382% | 5,000 |
| Noninterest expense to average assets | 3.3147% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.7801% | 4,904 |
| Return on assets (ROA) | -0.7586% | 4,907 |
| Pretax return on assets | -0.7586% | 4,904 |
| Return on Equity (ROE) | -8.5493% | 4,934 |
| Retained earnings to average equity (ytd only) | -8.5493% | 4,893 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.7788% | 55 |
| Assets per employee ($millions) | 7.6746% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,930 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.1000% | 1,146 |
| Net loans and leases to deposits | 79.9039% | 1,873 |
| Net loans and leases to core deposits | 86.0356% | 1,867 |
| Total domestic deposits to total assets | 91.4849% | 134 |
| Equity capital to assets | 8.1237% | 4,653 |
| Core capital (leverage) ratio | 8.3371% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5422% | 2,427 |
| Memoranda: | ||
| Average total assets | $190,487,400 | 3,024 |
| Average earning assets | $181,521,000 | 2,987 |
| Average equity | $16,902,000 | 3,460 |
| Average total loans | $143,249,400 | 2,719 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 256 |
| Cost of funding earning assets | 1.2016% | 372 |
| Net interest margin | 4.2489% | 657 |
| Noninterest income to average assets | -2.0039% | 5,033 |
| Noninterest expense to average assets | 3.3406% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -1.3218% | 4,969 |
| Return on assets (ROA) | -1.2892% | 4,966 |
| Pretax return on assets | -1.2892% | 4,959 |
| Return on Equity (ROE) | -14.2115% | 4,987 |
| Retained earnings to average equity (ytd only) | -14.2115% | 4,963 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.4737% | 30 |
| Assets per employee ($millions) | 7.3075% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 3,868 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.4615% | 902 |
| Net loans and leases to deposits | 84.8435% | 1,825 |
| Net loans and leases to core deposits | 91.5534% | 1,836 |
| Total domestic deposits to total assets | 91.2992% | 125 |
| Equity capital to assets | 8.3344% | 4,557 |
| Core capital (leverage) ratio | 8.3077% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2322% | 2,518 |
| Memoranda: | ||
| Average total assets | $188,224,500 | 3,026 |
| Average earning assets | $178,206,000 | 3,001 |
| Average equity | $17,075,000 | 3,455 |
| Average total loans | $142,148,000 | 2,733 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 305 |
| Cost of funding earning assets | 1.3167% | 339 |
| Net interest margin | 4.2438% | 838 |
| Noninterest income to average assets | -1.5733% | 5,064 |
| Noninterest expense to average assets | 3.3981% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.9966% | 4,963 |
| Return on assets (ROA) | -0.9476% | 4,955 |
| Pretax return on assets | -0.9476% | 4,941 |
| Return on Equity (ROE) | -10.1668% | 4,989 |
| Retained earnings to average equity (ytd only) | -10.1668% | 4,922 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.5002% | 49 |
| Assets per employee ($millions) | 7.3162% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3435% | 125 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 75.8795% | 1,153 |
| Net loans and leases to deposits | 83.5521% | 2,038 |
| Net loans and leases to core deposits | 90.1048% | 2,068 |
| Total domestic deposits to total assets | 90.8169% | 193 |
| Equity capital to assets | 8.8140% | 4,251 |
| Core capital (leverage) ratio | 8.8603% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6512% | 2,336 |
| Memoranda: | ||
| Average total assets | $187,634,333 | 3,014 |
| Average earning assets | $175,739,667 | 3,003 |
| Average equity | $17,488,333 | 3,417 |
| Average total loans | $139,875,667 | 2,749 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 223 |
| Cost of funding earning assets | 1.4314% | 343 |
| Net interest margin | 4.3587% | 683 |
| Noninterest income to average assets | 0.1674% | 4,530 |
| Noninterest expense to average assets | 3.4539% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7792% | 2,980 |
| Return on assets (ROA) | 0.7792% | 3,062 |
| Pretax return on assets | 0.7792% | 3,469 |
| Return on Equity (ROE) | 8.1347% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.1347% | 1,193 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5923% | 1,000 |
| Assets per employee ($millions) | 6.3626% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.2912% | 88 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.6176% | 1,977 |
| Net loans and leases to deposits | 79.6742% | 2,715 |
| Net loans and leases to core deposits | 85.9134% | 2,688 |
| Total domestic deposits to total assets | 89.8881% | 358 |
| Equity capital to assets | 9.7791% | 3,973 |
| Core capital (leverage) ratio | 9.6713% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8636% | 1,952 |
| Memoranda: | ||
| Average total assets | $186,341,500 | 2,993 |
| Average earning assets | $173,813,500 | 2,976 |
| Average equity | $17,849,500 | 3,385 |
| Average total loans | $136,748,500 | 2,759 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2143% | 164 |
| Cost of funding earning assets | 1.4059% | 555 |
| Net interest margin | 4.8084% | 390 |
| Noninterest income to average assets | -1.1068% | 5,171 |
| Noninterest expense to average assets | 3.5313% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1809% | 5,018 |
| Return on assets (ROA) | -0.1809% | 5,027 |
| Pretax return on assets | -0.1809% | 5,017 |
| Return on Equity (ROE) | -1.9175% | 5,036 |
| Retained earnings to average equity (ytd only) | -1.9175% | 4,868 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3989% | 128 |
| Assets per employee ($millions) | 5.8802% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.2080% | 87 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.2153% | 1,888 |
| Net loans and leases to deposits | 81.1349% | 2,651 |
| Net loans and leases to core deposits | 87.1629% | 2,691 |
| Total domestic deposits to total assets | 90.2390% | 252 |
| Equity capital to assets | 9.3826% | 4,442 |
| Core capital (leverage) ratio | 9.4360% | 4,125 |
| Tier 1 risk-based capital ratio | 12.5488% | 4,044 |
| Total risk-based capital ratio | 13.8165% | 3,913 |
| Memoranda: | ||
| Average total assets | $186,307,600 | 2,952 |
| Average earning assets | $172,699,200 | 2,954 |
| Average equity | $17,575,400 | 3,384 |
| Average total loans | $137,736,400 | 2,750 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 159 |
| Cost of funding earning assets | 1.3683% | 643 |
| Net interest margin | 4.8839% | 356 |
| Noninterest income to average assets | -1.4829% | 5,252 |
| Noninterest expense to average assets | 3.5513% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.5144% | 5,139 |
| Return on assets (ROA) | -0.5144% | 5,147 |
| Pretax return on assets | -0.5144% | 5,140 |
| Return on Equity (ROE) | -5.4455% | 5,160 |
| Retained earnings to average equity (ytd only) | -5.4455% | 5,071 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9383% | 87 |
| Assets per employee ($millions) | 6.0336% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.2333% | 98 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.7711% | 1,858 |
| Net loans and leases to deposits | 81.5218% | 2,742 |
| Net loans and leases to core deposits | 86.4463% | 2,869 |
| Total domestic deposits to total assets | 90.4925% | 174 |
| Equity capital to assets | 9.2396% | 4,640 |
| Core capital (leverage) ratio | 9.2015% | 4,474 |
| Tier 1 risk-based capital ratio | 12.3505% | 4,226 |
| Total risk-based capital ratio | 13.6207% | 4,092 |
| Memoranda: | ||
| Average total assets | $185,842,750 | 2,986 |
| Average earning assets | $171,988,500 | 2,990 |
| Average equity | $17,555,500 | 3,404 |
| Average total loans | $137,280,750 | 2,775 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3310% | 143 |
| Cost of funding earning assets | 1.3001% | 737 |
| Net interest margin | 5.0309% | 275 |
| Noninterest income to average assets | -1.3039% | 5,297 |
| Noninterest expense to average assets | 3.6734% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.3365% | 5,172 |
| Return on assets (ROA) | -0.3365% | 5,177 |
| Pretax return on assets | -0.3365% | 5,172 |
| Return on Equity (ROE) | -3.5361% | 5,190 |
| Retained earnings to average equity (ytd only) | -3.5361% | 4,996 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0840% | 100 |
| Assets per employee ($millions) | 6.1289% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.6543% | 84 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.8546% | 2,548 |
| Net loans and leases to deposits | 77.2406% | 3,221 |
| Net loans and leases to core deposits | 81.6765% | 3,287 |
| Total domestic deposits to total assets | 90.4377% | 205 |
| Equity capital to assets | 9.2997% | 4,576 |
| Core capital (leverage) ratio | 9.5026% | 4,139 |
| Tier 1 risk-based capital ratio | 12.8322% | 3,923 |
| Total risk-based capital ratio | 14.0968% | 3,826 |
| Memoranda: | ||
| Average total assets | $185,443,000 | 2,996 |
| Average earning assets | $171,064,330 | 3,008 |
| Average equity | $17,646,670 | 3,399 |
| Average total loans | $136,449,330 | 2,800 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3693% | 132 |
| Cost of funding earning assets | 1.2458% | 778 |
| Net interest margin | 5.1235% | 231 |
| Noninterest income to average assets | -2.2995% | 5,358 |
| Noninterest expense to average assets | 3.7299% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.3234% | 5,302 |
| Return on assets (ROA) | -1.3234% | 5,297 |
| Pretax return on assets | -1.3234% | 5,293 |
| Return on Equity (ROE) | -13.7450% | 5,313 |
| Retained earnings to average equity (ytd only) | -13.7450% | 5,191 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.9909% | 37 |
| Assets per employee ($millions) | 6.0456% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.2121% | 63 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.8907% | 1,663 |
| Net loans and leases to deposits | 83.0233% | 2,497 |
| Net loans and leases to core deposits | 87.8571% | 2,703 |
| Total domestic deposits to total assets | 90.2044% | 385 |
| Equity capital to assets | 9.5640% | 4,195 |
| Core capital (leverage) ratio | 9.4610% | 4,178 |
| Tier 1 risk-based capital ratio | 12.2829% | 4,310 |
| Total risk-based capital ratio | 13.5372% | 4,163 |
| Memoranda: | ||
| Average total assets | $183,166,500 | 3,055 |
| Average earning assets | $168,243,500 | 3,071 |
| Average equity | $17,635,500 | 3,392 |
| Average total loans | $137,417,500 | 2,823 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8749% | 207 |
| Cost of funding earning assets | 1.0340% | 656 |
| Net interest margin | 4.8409% | 361 |
| Noninterest income to average assets | -3.3664% | 5,405 |
| Noninterest expense to average assets | 4.0601% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -3.2274% | 5,386 |
| Return on assets (ROA) | -3.2274% | 5,385 |
| Pretax return on assets | -3.2274% | 5,385 |
| Return on Equity (ROE) | -30.0774% | 5,389 |
| Retained earnings to average equity (ytd only) | -30.0774% | 5,387 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 487.6106% | 3 |
| Assets per employee ($millions) | 6.3781% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.1617% | 48 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.2156% | 2,057 |
| Net loans and leases to deposits | 81.4081% | 2,802 |
| Net loans and leases to core deposits | 86.0518% | 2,910 |
| Total domestic deposits to total assets | 89.9365% | 497 |
| Equity capital to assets | 9.6910% | 3,962 |
| Core capital (leverage) ratio | 9.6365% | 3,959 |
| Tier 1 risk-based capital ratio | 12.4620% | 4,164 |
| Total risk-based capital ratio | 13.7079% | 4,035 |
| Memoranda: | ||
| Average total assets | $189,996,400 | 2,961 |
| Average earning assets | $164,803,800 | 3,085 |
| Average equity | $20,387,400 | 3,057 |
| Average total loans | $124,954,400 | 2,938 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 288 |
| Cost of funding earning assets | 0.9765% | 652 |
| Net interest margin | 4.6496% | 527 |
| Noninterest income to average assets | -3.5303% | 5,476 |
| Noninterest expense to average assets | 4.0078% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -3.5582% | 5,461 |
| Return on assets (ROA) | -3.5582% | 5,460 |
| Pretax return on assets | -3.5582% | 5,459 |
| Return on Equity (ROE) | -32.4009% | 5,462 |
| Retained earnings to average equity (ytd only) | -32.4009% | 5,457 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 891.3178% | 2 |
| Assets per employee ($millions) | 6.5178% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,834 |
| Loan loss allowance to noncurrent loans | 24.9826% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 14.0268% | 8 |
| Noncurrent loans to loans | 5.4588% | 103 |
| Net loans and leases to total assets | 68.5711% | 2,855 |
| Net loans and leases to deposits | 76.3505% | 3,389 |
| Net loans and leases to core deposits | 80.5993% | 3,448 |
| Total domestic deposits to total assets | 89.8110% | 567 |
| Equity capital to assets | 10.0181% | 3,630 |
| Core capital (leverage) ratio | 10.0573% | 3,575 |
| Tier 1 risk-based capital ratio | 12.5076% | 4,195 |
| Total risk-based capital ratio | 13.6912% | 4,118 |
| Memoranda: | ||
| Average total assets | $191,254,000 | 2,976 |
| Average earning assets | $163,707,750 | 3,117 |
| Average equity | $21,003,000 | 3,007 |
| Average total loans | $121,889,000 | 3,001 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4685% | 336 |
| Cost of funding earning assets | 0.9114% | 700 |
| Net interest margin | 4.5571% | 617 |
| Noninterest income to average assets | -5.3115% | 5,542 |
| Noninterest expense to average assets | 4.0313% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -5.4677% | 5,535 |
| Return on assets (ROA) | -5.4677% | 5,534 |
| Pretax return on assets | -5.4677% | 5,533 |
| Return on Equity (ROE) | -48.3957% | 5,531 |
| Retained earnings to average equity (ytd only) | -48.3957% | 5,526 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -280.6381% | 5,540 |
| Assets per employee ($millions) | 6.3705% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.6454% | 16 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 64.6367% | 3,325 |
| Net loans and leases to deposits | 71.9295% | 3,720 |
| Net loans and leases to core deposits | 76.5576% | 3,696 |
| Total domestic deposits to total assets | 89.8611% | 619 |
| Equity capital to assets | 9.8406% | 3,781 |
| Core capital (leverage) ratio | 9.7580% | 3,832 |
| Tier 1 risk-based capital ratio | 13.1526% | 3,820 |
| Total risk-based capital ratio | 14.4023% | 3,733 |
| Memoranda: | ||
| Average total assets | $191,999,670 | 2,985 |
| Average earning assets | $163,262,670 | 3,143 |
| Average equity | $21,692,000 | 2,951 |
| Average total loans | $118,717,670 | 3,054 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 444 |
| Cost of funding earning assets | 0.8235% | 852 |
| Net interest margin | 4.4268% | 727 |
| Noninterest income to average assets | -3.5419% | 5,606 |
| Noninterest expense to average assets | 4.1384% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -3.9596% | 5,590 |
| Return on assets (ROA) | -3.9596% | 5,588 |
| Pretax return on assets | -3.9596% | 5,588 |
| Return on Equity (ROE) | -32.9378% | 5,583 |
| Retained earnings to average equity (ytd only) | -32.9378% | 5,560 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,315.1163% | 1 |
| Assets per employee ($millions) | 6.6669% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 12.2887% | 11 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 57.3800% | 4,004 |
| Net loans and leases to deposits | 64.9632% | 4,155 |
| Net loans and leases to core deposits | 68.8656% | 4,162 |
| Total domestic deposits to total assets | 88.3268% | 1,448 |
| Equity capital to assets | 11.4647% | 2,158 |
| Core capital (leverage) ratio | 11.4836% | 2,023 |
| Tier 1 risk-based capital ratio | 16.3920% | 2,326 |
| Total risk-based capital ratio | 17.6426% | 2,264 |
| Memoranda: | ||
| Average total assets | $192,441,500 | 3,010 |
| Average earning assets | $161,741,500 | 3,193 |
| Average equity | $23,134,500 | 2,852 |
| Average total loans | $115,415,000 | 3,118 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 206 |
| Cost of funding earning assets | 0.6349% | 1,388 |
| Net interest margin | 5.0285% | 226 |
| Noninterest income to average assets | -0.2518% | 5,653 |
| Noninterest expense to average assets | 3.6911% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1557% | 5,186 |
| Return on assets (ROA) | 0.1557% | 5,190 |
| Pretax return on assets | 0.1557% | 5,346 |
| Return on Equity (ROE) | 1.3015% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.3015% | 4,504 |
| Net charge-offs to loans | -0.0015% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9514% | 252 |
| Assets per employee ($millions) | 6.8408% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 15.0614% | 7 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.7214% | 3,762 |
| Net loans and leases to deposits | 69.7188% | 3,903 |
| Net loans and leases to core deposits | 74.3770% | 3,851 |
| Total domestic deposits to total assets | 87.0947% | 1,946 |
| Equity capital to assets | 12.5837% | 1,468 |
| Core capital (leverage) ratio | 12.4744% | 1,371 |
| Tier 1 risk-based capital ratio | 16.5467% | 2,251 |
| Total risk-based capital ratio | 17.7890% | 2,188 |
| Memoranda: | ||
| Average total assets | $200,968,400 | 2,915 |
| Average earning assets | $163,805,400 | 3,155 |
| Average equity | $24,049,200 | 2,748 |
| Average total loans | $130,648,800 | 2,906 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 202 |
| Cost of funding earning assets | 0.6007% | 1,524 |
| Net interest margin | 5.0811% | 196 |
| Noninterest income to average assets | -0.5613% | 5,732 |
| Noninterest expense to average assets | 3.6932% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1279% | 5,559 |
| Return on assets (ROA) | -0.1279% | 5,564 |
| Pretax return on assets | -0.1279% | 5,554 |
| Return on Equity (ROE) | -1.0817% | 5,563 |
| Retained earnings to average equity (ytd only) | -1.0817% | 5,361 |
| Net charge-offs to loans | -0.0020% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5865% | 140 |
| Assets per employee ($millions) | 7.4896% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 14.8149% | 8 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.7762% | 3,134 |
| Net loans and leases to deposits | 75.0445% | 3,466 |
| Net loans and leases to core deposits | 80.1173% | 3,446 |
| Total domestic deposits to total assets | 87.6496% | 1,546 |
| Equity capital to assets | 12.1240% | 1,887 |
| Core capital (leverage) ratio | 11.8711% | 1,770 |
| Tier 1 risk-based capital ratio | 14.6789% | 3,080 |
| Total risk-based capital ratio | 15.8084% | 3,067 |
| Memoranda: | ||
| Average total assets | $203,325,000 | 2,916 |
| Average earning assets | $165,130,000 | 3,165 |
| Average equity | $24,035,750 | 2,777 |
| Average total loans | $133,786,250 | 2,883 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 232 |
| Cost of funding earning assets | 0.5684% | 1,661 |
| Net interest margin | 4.9704% | 234 |
| Noninterest income to average assets | 0.3589% | 3,993 |
| Noninterest expense to average assets | 3.7732% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5975% | 4,319 |
| Return on assets (ROA) | 0.5975% | 4,361 |
| Pretax return on assets | 0.5975% | 4,812 |
| Return on Equity (ROE) | 5.0955% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.0955% | 2,642 |
| Net charge-offs to loans | -0.0030% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3293% | 671 |
| Assets per employee ($millions) | 7.5384% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 14.9510% | 11 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.6115% | 3,299 |
| Net loans and leases to deposits | 73.6972% | 3,578 |
| Net loans and leases to core deposits | 76.6660% | 3,711 |
| Total domestic deposits to total assets | 87.6716% | 1,631 |
| Equity capital to assets | 11.9968% | 1,931 |
| Core capital (leverage) ratio | 11.8412% | 1,737 |
| Tier 1 risk-based capital ratio | 14.6288% | 3,098 |
| Total risk-based capital ratio | 15.7163% | 3,107 |
| Memoranda: | ||
| Average total assets | $206,190,000 | 2,892 |
| Average earning assets | $166,425,670 | 3,160 |
| Average equity | $24,178,000 | 2,759 |
| Average total loans | $135,089,000 | 2,870 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 194 |
| Cost of funding earning assets | 0.5309% | 1,855 |
| Net interest margin | 5.1061% | 182 |
| Noninterest income to average assets | 0.6573% | 2,148 |
| Noninterest expense to average assets | 3.7453% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0274% | 2,179 |
| Return on assets (ROA) | 1.0274% | 2,229 |
| Pretax return on assets | 1.0274% | 3,251 |
| Return on Equity (ROE) | 8.8619% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.8619% | 1,124 |
| Net charge-offs to loans | -0.0059% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4733% | 1,567 |
| Assets per employee ($millions) | 7.4224% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 2,165 |
| Loan loss allowance to noncurrent loans | 637.7224% | 865 |
| Noncurrent assets plus other real estate owned to assets | 15.4561% | 11 |
| Noncurrent loans to loans | 0.2163% | 4,332 |
| Net loans and leases to total assets | 61.6447% | 3,585 |
| Net loans and leases to deposits | 69.9929% | 3,796 |
| Net loans and leases to core deposits | 72.5281% | 3,944 |
| Total domestic deposits to total assets | 88.0728% | 1,680 |
| Equity capital to assets | 11.7039% | 2,032 |
| Core capital (leverage) ratio | 11.7134% | 1,819 |
| Tier 1 risk-based capital ratio | 14.8767% | 3,030 |
| Total risk-based capital ratio | 15.9841% | 3,022 |
| Memoranda: | ||
| Average total assets | $207,516,000 | 2,912 |
| Average earning assets | $167,250,500 | 3,169 |
| Average equity | $24,058,000 | 2,784 |
| Average total loans | $135,983,000 | 2,872 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 343 |
| Cost of funding earning assets | 0.4593% | 2,450 |
| Net interest margin | 4.8590% | 310 |
| Noninterest income to average assets | 0.6890% | 2,222 |
| Noninterest expense to average assets | 3.6753% | 910 |
| Loan and lease loss provision to assets | -0.2716% | 5,829 |
| Net operating income to assets | 1.2022% | 1,508 |
| Return on assets (ROA) | 1.2022% | 1,588 |
| Pretax return on assets | 1.2022% | 2,664 |
| Return on Equity (ROE) | 11.2486% | 1,487 |
| Retained earnings to average equity (ytd only) | 11.2486% | 283 |
| Net charge-offs to loans | -0.3906% | 5,814 |
| Credit loss provision to net charge-offs | 104.5872% | 2,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7952% | 1,442 |
| Assets per employee ($millions) | 7.9694% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,759 |
| Loan loss allowance to noncurrent loans | 637.0107% | 877 |
| Noncurrent assets plus other real estate owned to assets | 15.7864% | 14 |
| Noncurrent loans to loans | 0.1978% | 4,447 |
| Net loans and leases to total assets | 67.6961% | 2,825 |
| Net loans and leases to deposits | 76.7516% | 3,234 |
| Net loans and leases to core deposits | 79.4176% | 3,447 |
| Total domestic deposits to total assets | 88.2015% | 1,535 |
| Equity capital to assets | 11.4824% | 2,188 |
| Core capital (leverage) ratio | 11.4604% | 1,962 |
| Tier 1 risk-based capital ratio | 13.6328% | 3,687 |
| Total risk-based capital ratio | 14.6691% | 3,722 |
| Memoranda: | ||
| Average total assets | $209,861,600 | 2,853 |
| Average earning assets | $169,169,200 | 3,125 |
| Average equity | $22,429,400 | 2,950 |
| Average total loans | $139,534,200 | 2,786 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 342 |
| Cost of funding earning assets | 0.4452% | 2,598 |
| Net interest margin | 4.8898% | 309 |
| Noninterest income to average assets | 0.6910% | 2,211 |
| Noninterest expense to average assets | 3.7771% | 763 |
| Loan and lease loss provision to assets | -0.3610% | 5,926 |
| Net operating income to assets | 1.2191% | 1,572 |
| Return on assets (ROA) | 1.2191% | 1,667 |
| Pretax return on assets | 1.2191% | 2,757 |
| Return on Equity (ROE) | 11.6195% | 1,445 |
| Retained earnings to average equity (ytd only) | 11.6195% | 344 |
| Net charge-offs to loans | -0.5443% | 5,896 |
| Credit loss provision to net charge-offs | 100.5291% | 2,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4865% | 1,249 |
| Assets per employee ($millions) | 7.5437% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,595 |
| Loan loss allowance to noncurrent loans | 257.3864% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 16.2672% | 12 |
| Noncurrent loans to loans | 0.5112% | 3,467 |
| Net loans and leases to total assets | 66.7228% | 2,999 |
| Net loans and leases to deposits | 75.5131% | 3,452 |
| Net loans and leases to core deposits | 77.8807% | 3,675 |
| Total domestic deposits to total assets | 88.3592% | 1,204 |
| Equity capital to assets | 11.4194% | 2,583 |
| Core capital (leverage) ratio | 11.3326% | 2,167 |
| Tier 1 risk-based capital ratio | 13.2132% | 4,029 |
| Total risk-based capital ratio | 14.2727% | 4,062 |
| Memoranda: | ||
| Average total assets | $210,526,000 | 2,861 |
| Average earning assets | $169,817,250 | 3,127 |
| Average equity | $22,088,750 | 3,001 |
| Average total loans | $138,903,000 | 2,800 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 531 |
| Cost of funding earning assets | 0.4431% | 2,633 |
| Net interest margin | 4.6085% | 497 |
| Noninterest income to average assets | 0.4774% | 3,354 |
| Noninterest expense to average assets | 3.5262% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6757% | 3,925 |
| Return on assets (ROA) | 0.6757% | 4,063 |
| Pretax return on assets | 0.6757% | 4,694 |
| Return on Equity (ROE) | 6.6271% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.6271% | 1,796 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9186% | 1,059 |
| Assets per employee ($millions) | 7.6478% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 3,011 |
| Loan loss allowance to noncurrent loans | 429.0780% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 16.0743% | 14 |
| Noncurrent loans to loans | 0.2937% | 4,318 |
| Net loans and leases to total assets | 68.8785% | 2,654 |
| Net loans and leases to deposits | 77.4987% | 3,210 |
| Net loans and leases to core deposits | 80.2637% | 3,435 |
| Total domestic deposits to total assets | 88.8770% | 974 |
| Equity capital to assets | 10.6838% | 3,424 |
| Core capital (leverage) ratio | 10.5511% | 2,911 |
| Tier 1 risk-based capital ratio | 11.9757% | 4,840 |
| Total risk-based capital ratio | 12.9926% | 4,892 |
| Memoranda: | ||
| Average total assets | $212,808,000 | 2,857 |
| Average earning assets | $171,986,330 | 3,120 |
| Average equity | $21,698,670 | 3,040 |
| Average total loans | $139,299,670 | 2,804 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 467 |
| Cost of funding earning assets | 0.4548% | 2,530 |
| Net interest margin | 4.6781% | 438 |
| Noninterest income to average assets | 0.5186% | 2,999 |
| Noninterest expense to average assets | 3.5561% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7538% | 3,464 |
| Return on assets (ROA) | 0.7538% | 3,574 |
| Pretax return on assets | 0.7538% | 4,355 |
| Return on Equity (ROE) | 7.5659% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.5659% | 1,636 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5097% | 1,328 |
| Assets per employee ($millions) | 7.5370% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,683 |
| Loan loss allowance to noncurrent loans | 429.0780% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 15.7982% | 18 |
| Noncurrent loans to loans | 0.3134% | 4,308 |
| Net loans and leases to total assets | 63.0913% | 3,371 |
| Net loans and leases to deposits | 70.5851% | 3,801 |
| Net loans and leases to core deposits | 73.4404% | 3,941 |
| Total domestic deposits to total assets | 89.3834% | 902 |
| Equity capital to assets | 10.2996% | 3,745 |
| Core capital (leverage) ratio | 10.0296% | 3,504 |
| Tier 1 risk-based capital ratio | 12.2869% | 4,729 |
| Total risk-based capital ratio | 13.3418% | 4,762 |
| Memoranda: | ||
| Average total assets | $215,966,500 | 2,823 |
| Average earning assets | $175,028,500 | 3,101 |
| Average equity | $21,517,500 | 3,063 |
| Average total loans | $136,928,000 | 2,838 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 814 |
| Cost of funding earning assets | 0.4930% | 2,226 |
| Net interest margin | 4.3834% | 823 |
| Noninterest income to average assets | 0.1400% | 5,713 |
| Noninterest expense to average assets | 3.2094% | 1,945 |
| Loan and lease loss provision to assets | 0.0223% | 3,936 |
| Net operating income to assets | 0.5040% | 4,675 |
| Return on assets (ROA) | 0.5040% | 4,767 |
| Pretax return on assets | 0.5040% | 5,106 |
| Return on Equity (ROE) | 5.6645% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.6645% | 1,975 |
| Net charge-offs to loans | 0.0994% | 2,422 |
| Credit loss provision to net charge-offs | 36.1111% | 3,579 |
| Earnings coverage of net charge-offs (x) | 8.5139% | 2,937 |
| Efficiency ratio | 85.9113% | 998 |
| Assets per employee ($millions) | 8.1813% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,861 |
| Loan loss allowance to noncurrent loans | 255.9944% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 15.2225% | 21 |
| Noncurrent loans to loans | 0.5105% | 3,651 |
| Net loans and leases to total assets | 62.0564% | 3,558 |
| Net loans and leases to deposits | 68.9295% | 4,033 |
| Net loans and leases to core deposits | 71.5210% | 4,174 |
| Total domestic deposits to total assets | 90.0288% | 619 |
| Equity capital to assets | 9.6421% | 4,385 |
| Core capital (leverage) ratio | 9.4924% | 4,179 |
| Tier 1 risk-based capital ratio | 12.4280% | 4,683 |
| Total risk-based capital ratio | 13.5073% | 4,687 |
| Memoranda: | ||
| Average total assets | $232,938,400 | 2,635 |
| Average earning assets | $191,083,400 | 2,879 |
| Average equity | $20,725,600 | 3,104 |
| Average total loans | $144,879,600 | 2,670 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 666 |
| Cost of funding earning assets | 0.4965% | 2,245 |
| Net interest margin | 4.4673% | 704 |
| Noninterest income to average assets | 0.0537% | 6,083 |
| Noninterest expense to average assets | 3.1238% | 2,158 |
| Loan and lease loss provision to assets | 0.0294% | 3,652 |
| Net operating income to assets | 0.5713% | 4,520 |
| Return on assets (ROA) | 0.5713% | 4,610 |
| Pretax return on assets | 0.5713% | 5,043 |
| Return on Equity (ROE) | 6.5492% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.5492% | 1,927 |
| Net charge-offs to loans | 0.1312% | 1,826 |
| Credit loss provision to net charge-offs | 36.1111% | 3,206 |
| Earnings coverage of net charge-offs (x) | 7.3818% | 2,920 |
| Efficiency ratio | 83.8719% | 1,187 |
| Assets per employee ($millions) | 8.1488% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 3,013 |
| Loan loss allowance to noncurrent loans | 106.6392% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 15.3015% | 24 |
| Noncurrent loans to loans | 1.2327% | 2,073 |
| Net loans and leases to total assets | 59.7181% | 3,916 |
| Net loans and leases to deposits | 66.0560% | 4,381 |
| Net loans and leases to core deposits | 68.5294% | 4,497 |
| Total domestic deposits to total assets | 90.4053% | 421 |
| Equity capital to assets | 9.2735% | 5,030 |
| Core capital (leverage) ratio | 9.1614% | 4,788 |
| Tier 1 risk-based capital ratio | 12.1849% | 4,976 |
| Total risk-based capital ratio | 13.2577% | 4,995 |
| Memoranda: | ||
| Average total assets | $235,949,000 | 2,629 |
| Average earning assets | $193,878,000 | 2,874 |
| Average equity | $20,582,250 | 3,142 |
| Average total loans | $146,375,750 | 2,656 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 780 |
| Cost of funding earning assets | 0.4972% | 2,278 |
| Net interest margin | 4.3712% | 806 |
| Noninterest income to average assets | 0.0268% | 6,218 |
| Noninterest expense to average assets | 3.0955% | 2,257 |
| Loan and lease loss provision to assets | 0.0436% | 3,237 |
| Net operating income to assets | 0.4846% | 4,834 |
| Return on assets (ROA) | 0.4846% | 4,938 |
| Pretax return on assets | 0.4846% | 5,269 |
| Return on Equity (ROE) | 5.6694% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.6204% | 2,452 |
| Net charge-offs to loans | 0.1931% | 1,300 |
| Credit loss provision to net charge-offs | 36.1111% | 2,860 |
| Earnings coverage of net charge-offs (x) | 4.3750% | 3,047 |
| Efficiency ratio | 85.4234% | 1,106 |
| Assets per employee ($millions) | 8.6391% | 417 |
| Cash dividends to net income (ytd only)* | 0.8651% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 3,394 |
| Loan loss allowance to noncurrent loans | 80.6308% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 15.2334% | 25 |
| Noncurrent loans to loans | 1.5758% | 1,675 |
| Net loans and leases to total assets | 60.4616% | 3,763 |
| Net loans and leases to deposits | 66.5416% | 4,286 |
| Net loans and leases to core deposits | 68.6984% | 4,438 |
| Total domestic deposits to total assets | 90.8629% | 336 |
| Equity capital to assets | 8.8782% | 5,364 |
| Core capital (leverage) ratio | 8.7252% | 5,295 |
| Tier 1 risk-based capital ratio | 12.2045% | 4,997 |
| Total risk-based capital ratio | 13.2962% | 5,017 |
| Memoranda: | ||
| Average total assets | $238,543,000 | 2,623 |
| Average earning assets | $196,283,670 | 2,858 |
| Average equity | $20,390,000 | 3,174 |
| Average total loans | $149,143,670 | 2,627 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 915 |
| Cost of funding earning assets | 0.4926% | 2,354 |
| Net interest margin | 4.2728% | 937 |
| Noninterest income to average assets | 0.0216% | 6,289 |
| Noninterest expense to average assets | 3.2705% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2753% | 5,492 |
| Return on assets (ROA) | 0.2753% | 5,588 |
| Pretax return on assets | 0.2753% | 5,699 |
| Return on Equity (ROE) | 3.2822% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.2822% | 4,016 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2357% | 694 |
| Assets per employee ($millions) | 8.8460% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 3,768 |
| Loan loss allowance to noncurrent loans | 69.7003% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 15.1264% | 28 |
| Noncurrent loans to loans | 1.7712% | 1,537 |
| Net loans and leases to total assets | 63.8760% | 3,107 |
| Net loans and leases to deposits | 69.9977% | 3,749 |
| Net loans and leases to core deposits | 72.0278% | 3,957 |
| Total domestic deposits to total assets | 91.2544% | 284 |
| Equity capital to assets | 8.5098% | 5,735 |
| Core capital (leverage) ratio | 8.3875% | 5,649 |
| Tier 1 risk-based capital ratio | 10.9032% | 5,851 |
| Total risk-based capital ratio | 11.9549% | 5,863 |
| Memoranda: | ||
| Average total assets | $241,186,000 | 2,627 |
| Average earning assets | $198,934,000 | 2,847 |
| Average equity | $20,230,500 | 3,215 |
| Average total loans | $152,292,500 | 2,596 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 2,867 |
| Cost of funding earning assets | 0.5090% | 2,578 |
| Net interest margin | 3.7160% | 2,949 |
| Noninterest income to average assets | -2.0276% | 6,508 |
| Noninterest expense to average assets | 3.4806% | 1,528 |
| Loan and lease loss provision to assets | -1.1553% | 6,499 |
| Net operating income to assets | -1.3689% | 6,417 |
| Return on assets (ROA) | -1.3689% | 6,418 |
| Pretax return on assets | -1.3689% | 6,409 |
| Return on Equity (ROE) | -14.9053% | 6,412 |
| Retained earnings to average equity (ytd only) | -14.9053% | 6,383 |
| Net charge-offs to loans | -1.7004% | 6,462 |
| Credit loss provision to net charge-offs | 120.4581% | 1,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 363.9208% | 7 |
| Assets per employee ($millions) | 9.0595% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 3,592 |
| Loan loss allowance to noncurrent loans | 68.9443% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 15.6619% | 31 |
| Noncurrent loans to loans | 1.8426% | 1,548 |
| Net loans and leases to total assets | 60.5907% | 3,706 |
| Net loans and leases to deposits | 66.5145% | 4,265 |
| Net loans and leases to core deposits | 68.5651% | 4,444 |
| Total domestic deposits to total assets | 91.0939% | 337 |
| Equity capital to assets | 8.6719% | 5,594 |
| Core capital (leverage) ratio | 8.5309% | 5,524 |
| Tier 1 risk-based capital ratio | 11.4180% | 5,705 |
| Total risk-based capital ratio | 12.4672% | 5,736 |
| Memoranda: | ||
| Average total assets | $264,002,800 | 2,392 |
| Average earning assets | $211,999,400 | 2,688 |
| Average equity | $24,246,400 | 2,733 |
| Average total loans | $148,903,600 | 2,590 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 2,994 |
| Cost of funding earning assets | 0.5095% | 2,667 |
| Net interest margin | 3.6898% | 3,068 |
| Noninterest income to average assets | -2.9850% | 6,589 |
| Noninterest expense to average assets | 3.5047% | 1,449 |
| Loan and lease loss provision to assets | -1.5126% | 6,584 |
| Net operating income to assets | -2.0283% | 6,529 |
| Return on assets (ROA) | -2.0283% | 6,529 |
| Pretax return on assets | -2.0283% | 6,520 |
| Return on Equity (ROE) | -21.8084% | 6,520 |
| Retained earnings to average equity (ytd only) | -21.8084% | 6,502 |
| Net charge-offs to loans | -2.2718% | 6,542 |
| Credit loss provision to net charge-offs | 120.4581% | 1,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -9,680.8219% | 6,589 |
| Assets per employee ($millions) | 9.5978% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 3,511 |
| Loan loss allowance to noncurrent loans | 68.4494% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 16.2554% | 28 |
| Noncurrent loans to loans | 1.9392% | 1,648 |
| Net loans and leases to total assets | 56.8073% | 4,227 |
| Net loans and leases to deposits | 62.0858% | 4,734 |
| Net loans and leases to core deposits | 64.1079% | 4,872 |
| Total domestic deposits to total assets | 91.4980% | 233 |
| Equity capital to assets | 8.3028% | 5,937 |
| Core capital (leverage) ratio | 7.9444% | 6,109 |
| Tier 1 risk-based capital ratio | 11.6284% | 5,717 |
| Total risk-based capital ratio | 12.7163% | 5,737 |
| Memoranda: | ||
| Average total assets | $268,851,750 | 2,384 |
| Average earning assets | $214,855,250 | 2,680 |
| Average equity | $25,005,000 | 2,673 |
| Average total loans | $148,600,500 | 2,601 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 3,084 |
| Cost of funding earning assets | 0.5109% | 2,722 |
| Net interest margin | 3.6533% | 3,129 |
| Noninterest income to average assets | 0.2310% | 5,545 |
| Noninterest expense to average assets | 3.4938% | 1,486 |
| Loan and lease loss provision to assets | -2.2159% | 6,654 |
| Net operating income to assets | 1.8570% | 442 |
| Return on assets (ROA) | 1.8570% | 455 |
| Pretax return on assets | 1.8570% | 748 |
| Return on Equity (ROE) | 19.3390% | 330 |
| Retained earnings to average equity (ytd only) | 19.3390% | 94 |
| Net charge-offs to loans | -4.0600% | 6,611 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4484% | 209 |
| Assets per employee ($millions) | 10.2623% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,432 |
| Loan loss allowance to noncurrent loans | 48.3357% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 20.3872% | 11 |
| Noncurrent loans to loans | 3.3250% | 830 |
| Net loans and leases to total assets | 55.6418% | 4,332 |
| Net loans and leases to deposits | 62.1616% | 4,675 |
| Net loans and leases to core deposits | 64.2975% | 4,792 |
| Total domestic deposits to total assets | 89.5116% | 1,084 |
| Equity capital to assets | 10.2586% | 3,750 |
| Core capital (leverage) ratio | 10.0339% | 3,565 |
| Tier 1 risk-based capital ratio | 14.0117% | 4,255 |
| Total risk-based capital ratio | 15.2709% | 4,182 |
| Memoranda: | ||
| Average total assets | $275,288,330 | 2,330 |
| Average earning assets | $218,816,670 | 2,650 |
| Average equity | $26,433,670 | 2,530 |
| Average total loans | $150,245,670 | 2,571 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 3,696 |
| Cost of funding earning assets | 0.5120% | 2,785 |
| Net interest margin | 3.4849% | 3,763 |
| Noninterest income to average assets | 0.0687% | 6,426 |
| Noninterest expense to average assets | 3.8136% | 960 |
| Loan and lease loss provision to assets | -4.3646% | 6,729 |
| Net operating income to assets | 3.3858% | 79 |
| Return on assets (ROA) | 3.3858% | 83 |
| Pretax return on assets | 3.3858% | 109 |
| Return on Equity (ROE) | 36.4498% | 43 |
| Retained earnings to average equity (ytd only) | 36.4498% | 27 |
| Net charge-offs to loans | -8.1374% | 6,683 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5280% | 103 |
| Assets per employee ($millions) | 10.7032% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 2,662 |
| Loan loss allowance to noncurrent loans | 59.3926% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 19.3662% | 18 |
| Noncurrent loans to loans | 2.7069% | 1,248 |
| Net loans and leases to total assets | 53.3308% | 4,506 |
| Net loans and leases to deposits | 59.1623% | 4,829 |
| Net loans and leases to core deposits | 61.3702% | 4,935 |
| Total domestic deposits to total assets | 90.1432% | 997 |
| Equity capital to assets | 9.7573% | 4,156 |
| Core capital (leverage) ratio | 9.7132% | 3,978 |
| Tier 1 risk-based capital ratio | 13.8898% | 4,403 |
| Total risk-based capital ratio | 15.1401% | 4,353 |
| Memoranda: | ||
| Average total assets | $279,523,000 | 2,306 |
| Average earning assets | $221,872,500 | 2,637 |
| Average equity | $25,964,500 | 2,555 |
| Average total loans | $149,924,500 | 2,585 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 4,629 |
| Cost of funding earning assets | 0.5977% | 2,682 |
| Net interest margin | 3.2527% | 4,828 |
| Noninterest income to average assets | 0.0548% | 6,535 |
| Noninterest expense to average assets | 3.5025% | 1,640 |
| Loan and lease loss provision to assets | -0.0672% | 6,423 |
| Net operating income to assets | -0.8155% | 6,571 |
| Return on assets (ROA) | -0.8155% | 6,571 |
| Pretax return on assets | -0.8155% | 6,559 |
| Return on Equity (ROE) | -9.3368% | 6,577 |
| Retained earnings to average equity (ytd only) | -9.3368% | 6,525 |
| Net charge-offs to loans | 0.3336% | 2,004 |
| Credit loss provision to net charge-offs | -41.8410% | 5,771 |
| Earnings coverage of net charge-offs (x) | -5.4937% | 5,400 |
| Efficiency ratio | 133.6969% | 103 |
| Assets per employee ($millions) | 10.7985% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,654 |
| Loan loss allowance to noncurrent loans | 59.1319% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 21.2582% | 18 |
| Noncurrent loans to loans | 2.7521% | 1,298 |
| Net loans and leases to total assets | 52.2108% | 4,817 |
| Net loans and leases to deposits | 57.3849% | 5,177 |
| Net loans and leases to core deposits | 59.3767% | 5,268 |
| Total domestic deposits to total assets | 90.9835% | 579 |
| Equity capital to assets | 8.8246% | 5,231 |
| Core capital (leverage) ratio | 8.7102% | 5,404 |
| Tier 1 risk-based capital ratio | 12.3668% | 5,390 |
| Total risk-based capital ratio | 13.5840% | 5,331 |
| Memoranda: | ||
| Average total assets | $297,477,200 | 2,159 |
| Average earning assets | $234,577,800 | 2,474 |
| Average equity | $25,983,200 | 2,549 |
| Average total loans | $143,300,000 | 2,653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,863 |
| Cost of funding earning assets | 0.6130% | 2,708 |
| Net interest margin | 3.1863% | 5,038 |
| Noninterest income to average assets | 0.0133% | 6,712 |
| Noninterest expense to average assets | 3.4493% | 1,717 |
| Loan and lease loss provision to assets | -0.0884% | 6,611 |
| Net operating income to assets | -0.8318% | 6,684 |
| Return on assets (ROA) | -0.8318% | 6,690 |
| Pretax return on assets | -0.8318% | 6,668 |
| Return on Equity (ROE) | -9.5464% | 6,681 |
| Retained earnings to average equity (ytd only) | -9.5464% | 6,628 |
| Net charge-offs to loans | 0.4492% | 1,430 |
| Credit loss provision to net charge-offs | -41.8410% | 5,692 |
| Earnings coverage of net charge-offs (x) | -4.3556% | 5,131 |
| Efficiency ratio | 136.3859% | 105 |
| Assets per employee ($millions) | 11.0665% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,757 |
| Loan loss allowance to noncurrent loans | 47.1790% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 20.8014% | 16 |
| Noncurrent loans to loans | 3.5249% | 1,076 |
| Net loans and leases to total assets | 49.8370% | 5,160 |
| Net loans and leases to deposits | 54.7004% | 5,476 |
| Net loans and leases to core deposits | 56.3278% | 5,595 |
| Total domestic deposits to total assets | 91.1090% | 483 |
| Equity capital to assets | 8.8096% | 5,410 |
| Core capital (leverage) ratio | 8.7118% | 5,522 |
| Tier 1 risk-based capital ratio | 13.4107% | 4,828 |
| Total risk-based capital ratio | 14.6736% | 4,758 |
| Memoranda: | ||
| Average total assets | $301,656,000 | 2,151 |
| Average earning assets | $238,181,750 | 2,456 |
| Average equity | $26,285,000 | 2,554 |
| Average total loans | $141,871,750 | 2,683 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 5,200 |
| Cost of funding earning assets | 0.6373% | 2,614 |
| Net interest margin | 3.0459% | 5,445 |
| Noninterest income to average assets | 0.0287% | 6,732 |
| Noninterest expense to average assets | 3.4568% | 1,703 |
| Loan and lease loss provision to assets | -0.1306% | 6,733 |
| Net operating income to assets | -0.8946% | 6,728 |
| Return on assets (ROA) | -0.8946% | 6,735 |
| Pretax return on assets | -0.8946% | 6,720 |
| Return on Equity (ROE) | -10.3018% | 6,746 |
| Retained earnings to average equity (ytd only) | -10.3018% | 6,675 |
| Net charge-offs to loans | -0.2846% | 6,744 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1590% | 91 |
| Assets per employee ($millions) | 11.0455% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 1,615 |
| Loan loss allowance to noncurrent loans | 47.9006% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 22.0938% | 14 |
| Noncurrent loans to loans | 4.4031% | 808 |
| Net loans and leases to total assets | 48.2919% | 5,302 |
| Net loans and leases to deposits | 52.9742% | 5,605 |
| Net loans and leases to core deposits | 54.6136% | 5,707 |
| Total domestic deposits to total assets | 91.1611% | 490 |
| Equity capital to assets | 8.6756% | 5,580 |
| Core capital (leverage) ratio | 8.5925% | 5,566 |
| Tier 1 risk-based capital ratio | 13.6347% | 4,684 |
| Total risk-based capital ratio | 14.9054% | 4,632 |
| Memoranda: | ||
| Average total assets | $306,298,000 | 2,114 |
| Average earning assets | $241,639,000 | 2,435 |
| Average equity | $26,597,330 | 2,528 |
| Average total loans | $140,555,330 | 2,709 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 5,558 |
| Cost of funding earning assets | 0.6714% | 2,472 |
| Net interest margin | 2.8892% | 5,835 |
| Noninterest income to average assets | 0.0748% | 6,658 |
| Noninterest expense to average assets | 3.5407% | 1,542 |
| Loan and lease loss provision to assets | -0.2578% | 6,913 |
| Net operating income to assets | -0.9229% | 6,792 |
| Return on assets (ROA) | -0.9229% | 6,803 |
| Pretax return on assets | -0.9229% | 6,785 |
| Return on Equity (ROE) | -10.6233% | 6,816 |
| Retained earnings to average equity (ytd only) | -10.6233% | 6,639 |
| Net charge-offs to loans | -0.5828% | 6,870 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.0273% | 89 |
| Assets per employee ($millions) | 11.3507% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2558% | 1,477 |
| Loan loss allowance to noncurrent loans | 47.4175% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 21.6257% | 17 |
| Noncurrent loans to loans | 4.7572% | 833 |
| Net loans and leases to total assets | 43.8728% | 5,678 |
| Net loans and leases to deposits | 48.1059% | 5,918 |
| Net loans and leases to core deposits | 49.6617% | 5,994 |
| Total domestic deposits to total assets | 91.2004% | 443 |
| Equity capital to assets | 8.6776% | 5,831 |
| Core capital (leverage) ratio | 8.5232% | 5,553 |
| Tier 1 risk-based capital ratio | 13.3015% | 5,012 |
| Total risk-based capital ratio | 14.5854% | 4,936 |
| Memoranda: | ||
| Average total assets | $310,333,000 | 2,121 |
| Average earning assets | $245,465,500 | 2,421 |
| Average equity | $26,959,500 | 2,528 |
| Average total loans | $137,271,500 | 2,771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 4,670 |
| Cost of funding earning assets | 0.8243% | 2,474 |
| Net interest margin | 3.3539% | 5,053 |
| Noninterest income to average assets | -0.0983% | 6,915 |
| Noninterest expense to average assets | 4.2931% | 685 |
| Loan and lease loss provision to assets | -0.0759% | 6,901 |
| Net operating income to assets | -1.6836% | 6,894 |
| Return on assets (ROA) | -1.6836% | 6,905 |
| Pretax return on assets | -1.6836% | 6,889 |
| Return on Equity (ROE) | -18.1239% | 6,857 |
| Retained earnings to average equity (ytd only) | -18.1239% | 6,816 |
| Net charge-offs to loans | 0.5930% | 1,954 |
| Credit loss provision to net charge-offs | -28.1532% | 6,250 |
| Earnings coverage of net charge-offs (x) | -6.5304% | 5,924 |
| Efficiency ratio | 169.4408% | 66 |
| Assets per employee ($millions) | 11.2214% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2652% | 1,428 |
| Loan loss allowance to noncurrent loans | 62.9667% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 20.5915% | 21 |
| Noncurrent loans to loans | 3.5975% | 1,370 |
| Net loans and leases to total assets | 42.6104% | 5,939 |
| Net loans and leases to deposits | 46.7648% | 6,199 |
| Net loans and leases to core deposits | 48.4209% | 6,242 |
| Total domestic deposits to total assets | 91.1164% | 454 |
| Equity capital to assets | 8.6967% | 5,851 |
| Core capital (leverage) ratio | 8.5260% | 5,574 |
| Tier 1 risk-based capital ratio | 13.6906% | 4,612 |
| Total risk-based capital ratio | 14.9778% | 4,533 |
| Memoranda: | ||
| Average total assets | $329,597,000 | 1,955 |
| Average earning assets | $258,651,600 | 2,256 |
| Average equity | $30,617,000 | 2,214 |
| Average total loans | $149,758,600 | 2,578 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 4,704 |
| Cost of funding earning assets | 0.8520% | 2,521 |
| Net interest margin | 3.3795% | 5,097 |
| Noninterest income to average assets | -0.1671% | 7,061 |
| Noninterest expense to average assets | 4.6167% | 496 |
| Loan and lease loss provision to assets | -0.1000% | 7,036 |
| Net operating income to assets | -2.0385% | 7,042 |
| Return on assets (ROA) | -2.0385% | 7,053 |
| Pretax return on assets | -2.0385% | 7,038 |
| Return on Equity (ROE) | -21.6195% | 7,007 |
| Retained earnings to average equity (ytd only) | -21.6195% | 6,992 |
| Net charge-offs to loans | 0.7741% | 1,428 |
| Credit loss provision to net charge-offs | -28.1532% | 6,139 |
| Earnings coverage of net charge-offs (x) | -6.0225% | 5,722 |
| Efficiency ratio | 186.2859% | 44 |
| Assets per employee ($millions) | 11.5854% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 1,718 |
| Loan loss allowance to noncurrent loans | 29.9286% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 21.6889% | 24 |
| Noncurrent loans to loans | 7.3304% | 478 |
| Net loans and leases to total assets | 42.6445% | 6,075 |
| Net loans and leases to deposits | 46.7340% | 6,336 |
| Net loans and leases to core deposits | 48.4477% | 6,388 |
| Total domestic deposits to total assets | 91.2494% | 345 |
| Equity capital to assets | 8.5708% | 6,198 |
| Core capital (leverage) ratio | 8.3266% | 5,968 |
| Tier 1 risk-based capital ratio | 13.5471% | 4,852 |
| Total risk-based capital ratio | 14.8392% | 4,784 |
| Memoranda: | ||
| Average total assets | $333,446,750 | 1,957 |
| Average earning assets | $261,019,500 | 2,247 |
| Average equity | $31,440,000 | 2,191 |
| Average total loans | $152,952,250 | 2,560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 4,450 |
| Cost of funding earning assets | 0.8792% | 2,568 |
| Net interest margin | 3.4511% | 4,873 |
| Noninterest income to average assets | -0.0791% | 7,077 |
| Noninterest expense to average assets | 3.1361% | 2,797 |
| Loan and lease loss provision to assets | -0.1486% | 7,131 |
| Net operating income to assets | -0.3810% | 6,667 |
| Return on assets (ROA) | -0.3810% | 6,720 |
| Pretax return on assets | -0.3810% | 6,689 |
| Return on Equity (ROE) | -3.9262% | 6,720 |
| Retained earnings to average equity (ytd only) | -3.9262% | 6,543 |
| Net charge-offs to loans | 1.1468% | 944 |
| Credit loss provision to net charge-offs | -27.8087% | 5,961 |
| Earnings coverage of net charge-offs (x) | -0.9911% | 5,308 |
| Efficiency ratio | 120.3193% | 227 |
| Assets per employee ($millions) | 12.0062% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1179% | 1,955 |
| Loan loss allowance to noncurrent loans | 323.5356% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 20.3193% | 36 |
| Noncurrent loans to loans | 0.6546% | 5,199 |
| Net loans and leases to total assets | 42.5227% | 6,151 |
| Net loans and leases to deposits | 47.1003% | 6,371 |
| Net loans and leases to core deposits | 48.8974% | 6,409 |
| Total domestic deposits to total assets | 90.2812% | 775 |
| Equity capital to assets | 9.5912% | 4,926 |
| Core capital (leverage) ratio | 9.5517% | 4,076 |
| Tier 1 risk-based capital ratio | 14.8420% | 3,866 |
| Total risk-based capital ratio | 16.1275% | 3,805 |
| Memoranda: | ||
| Average total assets | $336,465,330 | 1,937 |
| Average earning assets | $261,833,330 | 2,245 |
| Average equity | $32,652,330 | 2,107 |
| Average total loans | $156,790,330 | 2,506 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 3,169 |
| Cost of funding earning assets | 0.9107% | 2,603 |
| Net interest margin | 3.7592% | 3,564 |
| Noninterest income to average assets | 0.0297% | 7,015 |
| Noninterest expense to average assets | 3.2441% | 2,461 |
| Loan and lease loss provision to assets | -0.2971% | 7,231 |
| Net operating income to assets | -0.0036% | 6,422 |
| Return on assets (ROA) | -0.0036% | 6,536 |
| Pretax return on assets | -0.0036% | 6,533 |
| Return on Equity (ROE) | -0.0365% | 6,537 |
| Retained earnings to average equity (ytd only) | -0.0365% | 5,993 |
| Net charge-offs to loans | 2.0917% | 435 |
| Credit loss provision to net charge-offs | -29.4811% | 5,393 |
| Earnings coverage of net charge-offs (x) | -0.2983% | 4,462 |
| Efficiency ratio | 110.2140% | 333 |
| Assets per employee ($millions) | 12.4233% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 1,964 |
| Loan loss allowance to noncurrent loans | 107.8216% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 22.4480% | 30 |
| Noncurrent loans to loans | 2.0041% | 3,159 |
| Net loans and leases to total assets | 42.4258% | 6,154 |
| Net loans and leases to deposits | 47.0992% | 6,354 |
| Net loans and leases to core deposits | 48.9017% | 6,403 |
| Total domestic deposits to total assets | 90.0775% | 1,042 |
| Equity capital to assets | 9.7944% | 4,380 |
| Core capital (leverage) ratio | 9.7449% | 3,713 |
| Tier 1 risk-based capital ratio | 14.5631% | 4,052 |
| Total risk-based capital ratio | 15.8417% | 3,986 |
| Memoranda: | ||
| Average total assets | $336,611,500 | 1,943 |
| Average earning assets | $260,905,000 | 2,272 |
| Average equity | $32,857,000 | 2,098 |
| Average total loans | $162,164,000 | 2,449 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 1,476 |
| Cost of funding earning assets | 1.0607% | 2,950 |
| Net interest margin | 4.3169% | 1,647 |
| Noninterest income to average assets | 0.0632% | 6,782 |
| Noninterest expense to average assets | 5.6816% | 243 |
| Loan and lease loss provision to assets | 1.2340% | 695 |
| Net operating income to assets | -3.4272% | 7,219 |
| Return on assets (ROA) | -3.4272% | 7,225 |
| Pretax return on assets | -3.4272% | 7,225 |
| Return on Equity (ROE) | -31.5821% | 7,107 |
| Retained earnings to average equity (ytd only) | -31.5821% | 7,100 |
| Net charge-offs to loans | 2.4897% | 470 |
| Credit loss provision to net charge-offs | 78.8128% | 4,507 |
| Earnings coverage of net charge-offs (x) | -1.4007% | 6,241 |
| Efficiency ratio | 162.8710% | 109 |
| Assets per employee ($millions) | 12.5109% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,507 |
| Loan loss allowance to noncurrent loans | 54.1427% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 22.2496% | 36 |
| Noncurrent loans to loans | 4.3790% | 1,377 |
| Net loans and leases to total assets | 51.6988% | 5,364 |
| Net loans and leases to deposits | 57.3551% | 5,770 |
| Net loans and leases to core deposits | 59.3972% | 5,895 |
| Total domestic deposits to total assets | 90.1381% | 923 |
| Equity capital to assets | 9.7281% | 4,554 |
| Core capital (leverage) ratio | 9.6105% | 3,851 |
| Tier 1 risk-based capital ratio | 13.0228% | 5,050 |
| Total risk-based capital ratio | 14.2959% | 5,007 |
| Memoranda: | ||
| Average total assets | $349,673,000 | 1,854 |
| Average earning assets | $277,446,600 | 2,117 |
| Average equity | $37,945,600 | 1,777 |
| Average total loans | $219,909,000 | 1,874 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 1,384 |
| Cost of funding earning assets | 1.0834% | 3,087 |
| Net interest margin | 4.3702% | 1,493 |
| Noninterest income to average assets | 0.1183% | 6,667 |
| Noninterest expense to average assets | 6.5020% | 165 |
| Loan and lease loss provision to assets | 1.6315% | 395 |
| Net operating income to assets | -4.5363% | 7,360 |
| Return on assets (ROA) | -4.5363% | 7,361 |
| Pretax return on assets | -4.5363% | 7,361 |
| Return on Equity (ROE) | -40.7911% | 7,255 |
| Retained earnings to average equity (ytd only) | -40.7911% | 7,249 |
| Net charge-offs to loans | 2.8431% | 347 |
| Credit loss provision to net charge-offs | 87.9177% | 3,853 |
| Earnings coverage of net charge-offs (x) | -1.5654% | 5,990 |
| Efficiency ratio | 180.7547% | 72 |
| Assets per employee ($millions) | 11.0762% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4873% | 1,412 |
| Loan loss allowance to noncurrent loans | 31.6607% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 23.7844% | 24 |
| Noncurrent loans to loans | 7.8560% | 570 |
| Net loans and leases to total assets | 54.8970% | 5,012 |
| Net loans and leases to deposits | 60.8538% | 5,534 |
| Net loans and leases to core deposits | 62.9186% | 5,724 |
| Total domestic deposits to total assets | 90.2112% | 762 |
| Equity capital to assets | 9.5700% | 4,979 |
| Core capital (leverage) ratio | 9.3239% | 4,419 |
| Tier 1 risk-based capital ratio | 12.3840% | 5,592 |
| Total risk-based capital ratio | 13.6663% | 5,555 |
| Memoranda: | ||
| Average total assets | $352,642,500 | 1,843 |
| Average earning assets | $280,715,250 | 2,095 |
| Average equity | $39,216,750 | 1,728 |
| Average total loans | $230,167,000 | 1,826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 1,100 |
| Cost of funding earning assets | 1.0900% | 3,319 |
| Net interest margin | 4.4944% | 1,145 |
| Noninterest income to average assets | 0.1119% | 6,772 |
| Noninterest expense to average assets | 7.0530% | 140 |
| Loan and lease loss provision to assets | 1.0547% | 796 |
| Net operating income to assets | -4.4050% | 7,415 |
| Return on assets (ROA) | -4.4050% | 7,417 |
| Pretax return on assets | -4.4050% | 7,411 |
| Return on Equity (ROE) | -37.9091% | 7,299 |
| Retained earnings to average equity (ytd only) | -37.9091% | 7,293 |
| Net charge-offs to loans | -0.2326% | 7,314 |
| Credit loss provision to net charge-offs | -665.2482% | 6,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.4798% | 70 |
| Assets per employee ($millions) | 10.6814% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3269% | 688 |
| Loan loss allowance to noncurrent loans | 28.2126% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 24.9641% | 25 |
| Noncurrent loans to loans | 11.7923% | 268 |
| Net loans and leases to total assets | 62.3140% | 3,826 |
| Net loans and leases to deposits | 69.8326% | 4,463 |
| Net loans and leases to core deposits | 73.5369% | 4,633 |
| Total domestic deposits to total assets | 89.2333% | 1,395 |
| Equity capital to assets | 10.4881% | 3,522 |
| Core capital (leverage) ratio | 10.3371% | 2,896 |
| Tier 1 risk-based capital ratio | 12.7239% | 5,157 |
| Total risk-based capital ratio | 14.0052% | 5,098 |
| Memoranda: | ||
| Average total assets | $355,735,670 | 1,843 |
| Average earning assets | $284,217,330 | 2,078 |
| Average equity | $41,335,670 | 1,622 |
| Average total loans | $242,454,670 | 1,760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 1,185 |
| Cost of funding earning assets | 1.1147% | 3,423 |
| Net interest margin | 4.4308% | 1,216 |
| Noninterest income to average assets | 0.1780% | 6,450 |
| Noninterest expense to average assets | 5.3727% | 278 |
| Loan and lease loss provision to assets | 1.1518% | 620 |
| Net operating income to assets | -2.8229% | 7,381 |
| Return on assets (ROA) | -2.8229% | 7,381 |
| Pretax return on assets | -2.8229% | 7,358 |
| Return on Equity (ROE) | -23.1807% | 7,260 |
| Retained earnings to average equity (ytd only) | -23.1807% | 7,213 |
| Net charge-offs to loans | -0.9853% | 7,484 |
| Credit loss provision to net charge-offs | -167.0455% | 5,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.1467% | 188 |
| Assets per employee ($millions) | 11.0898% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8506% | 1,062 |
| Loan loss allowance to noncurrent loans | 20.8832% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 27.3208% | 14 |
| Noncurrent loans to loans | 13.6504% | 199 |
| Net loans and leases to total assets | 67.6658% | 2,626 |
| Net loans and leases to deposits | 76.9374% | 3,267 |
| Net loans and leases to core deposits | 83.9643% | 3,164 |
| Total domestic deposits to total assets | 87.9492% | 2,400 |
| Equity capital to assets | 11.9080% | 1,977 |
| Core capital (leverage) ratio | 11.7848% | 1,687 |
| Tier 1 risk-based capital ratio | 13.3854% | 4,514 |
| Total risk-based capital ratio | 14.6574% | 4,480 |
| Memoranda: | ||
| Average total assets | $357,360,500 | 1,842 |
| Average earning assets | $284,191,000 | 2,086 |
| Average equity | $43,519,000 | 1,532 |
| Average total loans | $250,078,500 | 1,728 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 3,956 |
| Cost of funding earning assets | 1.3692% | 3,458 |
| Net interest margin | 3.7616% | 4,100 |
| Noninterest income to average assets | 0.0754% | 7,005 |
| Noninterest expense to average assets | 4.3554% | 763 |
| Loan and lease loss provision to assets | 0.1181% | 5,978 |
| Net operating income to assets | -1.1852% | 6,787 |
| Return on assets (ROA) | -1.1852% | 6,804 |
| Pretax return on assets | -1.1852% | 6,734 |
| Return on Equity (ROE) | -9.0690% | 6,679 |
| Retained earnings to average equity (ytd only) | -11.4868% | 6,742 |
| Net charge-offs to loans | -0.0756% | 7,482 |
| Credit loss provision to net charge-offs | -215.1515% | 7,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4538% | 298 |
| Assets per employee ($millions) | 11.6080% | 176 |
| Cash dividends to net income (ytd only)* | -26.6604% | 7,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1349% | 1,993 |
| Loan loss allowance to noncurrent loans | 15.1944% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 28.1287% | 13 |
| Noncurrent loans to loans | 14.0507% | 195 |
| Net loans and leases to total assets | 68.8019% | 2,788 |
| Net loans and leases to deposits | 78.7518% | 3,376 |
| Net loans and leases to core deposits | 81.7119% | 3,946 |
| Total domestic deposits to total assets | 87.3655% | 2,630 |
| Equity capital to assets | 12.4441% | 1,672 |
| Core capital (leverage) ratio | 12.4985% | 1,319 |
| Tier 1 risk-based capital ratio | 13.6410% | 4,102 |
| Total risk-based capital ratio | 14.9056% | 4,066 |
| Memoranda: | ||
| Average total assets | $360,769,200 | 1,812 |
| Average earning assets | $308,141,800 | 1,935 |
| Average equity | $47,149,600 | 1,421 |
| Average total loans | $261,903,000 | 1,692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 4,266 |
| Cost of funding earning assets | 1.4167% | 3,478 |
| Net interest margin | 3.6933% | 4,435 |
| Noninterest income to average assets | 0.0820% | 7,125 |
| Noninterest expense to average assets | 4.6270% | 519 |
| Loan and lease loss provision to assets | 0.9045% | 1,676 |
| Net operating income to assets | -2.2356% | 7,289 |
| Return on assets (ROA) | -2.2356% | 7,304 |
| Pretax return on assets | -2.2356% | 7,256 |
| Return on Equity (ROE) | -16.9043% | 7,152 |
| Retained earnings to average equity (ytd only) | -20.0880% | 7,208 |
| Net charge-offs to loans | 0.6608% | 2,778 |
| Credit loss provision to net charge-offs | 187.0894% | 1,928 |
| Earnings coverage of net charge-offs (x) | -2.7532% | 6,557 |
| Efficiency ratio | 140.3855% | 245 |
| Assets per employee ($millions) | 11.1425% | 201 |
| Cash dividends to net income (ytd only)* | -18.8336% | 7,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 1,810 |
| Loan loss allowance to noncurrent loans | 9.5452% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 28.6982% | 12 |
| Noncurrent loans to loans | 23.0291% | 47 |
| Net loans and leases to total assets | 73.8335% | 1,837 |
| Net loans and leases to deposits | 84.1562% | 2,678 |
| Net loans and leases to core deposits | 87.1927% | 3,490 |
| Total domestic deposits to total assets | 87.7339% | 2,140 |
| Equity capital to assets | 12.0749% | 2,112 |
| Core capital (leverage) ratio | 11.9588% | 1,691 |
| Tier 1 risk-based capital ratio | 13.3376% | 4,325 |
| Total risk-based capital ratio | 14.6116% | 4,266 |
| Memoranda: | ||
| Average total assets | $360,999,250 | 1,835 |
| Average earning assets | $314,143,500 | 1,919 |
| Average equity | $47,742,000 | 1,413 |
| Average total loans | $264,132,750 | 1,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 4,391 |
| Cost of funding earning assets | 1.4860% | 3,331 |
| Net interest margin | 3.6256% | 4,709 |
| Noninterest income to average assets | 0.0745% | 7,216 |
| Noninterest expense to average assets | 3.4948% | 2,040 |
| Loan and lease loss provision to assets | -0.1782% | 7,778 |
| Net operating income to assets | -0.0745% | 6,193 |
| Return on assets (ROA) | -0.0745% | 6,279 |
| Pretax return on assets | -0.0745% | 6,221 |
| Return on Equity (ROE) | -0.5476% | 6,264 |
| Retained earnings to average equity (ytd only) | -5.1719% | 6,573 |
| Net charge-offs to loans | -0.4588% | 7,726 |
| Credit loss provision to net charge-offs | 53.6545% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7944% | 592 |
| Assets per employee ($millions) | 10.3058% | 234 |
| Cash dividends to net income (ytd only)* | -844.4444% | 7,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 2,432 |
| Loan loss allowance to noncurrent loans | 8.1481% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 27.4478% | 13 |
| Noncurrent loans to loans | 23.2321% | 41 |
| Net loans and leases to total assets | 72.6459% | 2,242 |
| Net loans and leases to deposits | 84.3699% | 2,806 |
| Net loans and leases to core deposits | 86.8621% | 3,721 |
| Total domestic deposits to total assets | 86.1041% | 3,027 |
| Equity capital to assets | 13.5716% | 1,317 |
| Core capital (leverage) ratio | 13.5137% | 1,052 |
| Tier 1 risk-based capital ratio | 15.5232% | 2,882 |
| Total risk-based capital ratio | 16.7775% | 2,849 |
| Memoranda: | ||
| Average total assets | $362,479,330 | 1,843 |
| Average earning assets | $316,689,330 | 1,919 |
| Average equity | $49,304,670 | 1,356 |
| Average total loans | $262,451,330 | 1,733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0733% | 4,664 |
| Cost of funding earning assets | 1.5668% | 3,159 |
| Net interest margin | 3.5065% | 5,127 |
| Noninterest income to average assets | 0.0539% | 7,444 |
| Noninterest expense to average assets | 3.4345% | 2,142 |
| Loan and lease loss provision to assets | -0.0187% | 7,842 |
| Net operating income to assets | -0.2972% | 6,664 |
| Return on assets (ROA) | -0.2972% | 6,720 |
| Pretax return on assets | -0.2972% | 6,638 |
| Return on Equity (ROE) | -2.1827% | 6,657 |
| Retained earnings to average equity (ytd only) | -11.3984% | 7,039 |
| Net charge-offs to loans | -0.0261% | 7,148 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1306% | 596 |
| Assets per employee ($millions) | 10.4012% | 239 |
| Cash dividends to net income (ytd only)* | -422.2222% | 7,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,702 |
| Loan loss allowance to noncurrent loans | 9.1220% | 7,348 |
| Noncurrent assets plus other real estate owned to assets | 24.1857% | 32 |
| Noncurrent loans to loans | 19.8424% | 80 |
| Net loans and leases to total assets | 71.1851% | 2,652 |
| Net loans and leases to deposits | 82.4065% | 3,213 |
| Net loans and leases to core deposits | 84.8045% | 4,088 |
| Total domestic deposits to total assets | 86.3829% | 2,947 |
| Equity capital to assets | 13.4004% | 1,363 |
| Core capital (leverage) ratio | 13.4351% | 1,099 |
| Tier 1 risk-based capital ratio | 15.3296% | 2,954 |
| Total risk-based capital ratio | 16.5903% | 2,898 |
| Memoranda: | ||
| Average total assets | $363,367,500 | 1,885 |
| Average earning assets | $317,584,500 | 1,963 |
| Average equity | $49,480,500 | 1,353 |
| Average total loans | $260,131,000 | 1,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 4,283 |
| Cost of funding earning assets | 2.2057% | 1,999 |
| Net interest margin | 3.2711% | 5,852 |
| Noninterest income to average assets | 0.0744% | 7,385 |
| Noninterest expense to average assets | 3.7451% | 1,809 |
| Loan and lease loss provision to assets | 2.8642% | 635 |
| Net operating income to assets | -3.6473% | 7,539 |
| Return on assets (ROA) | -3.6473% | 7,546 |
| Pretax return on assets | -3.6473% | 7,455 |
| Return on Equity (ROE) | -22.5212% | 7,219 |
| Retained earnings to average equity (ytd only) | -27.0976% | 7,316 |
| Net charge-offs to loans | 4.0039% | 413 |
| Credit loss provision to net charge-offs | 102.1239% | 5,415 |
| Earnings coverage of net charge-offs (x) | -0.2792% | 6,525 |
| Efficiency ratio | 126.4411% | 508 |
| Assets per employee ($millions) | 10.6675% | 226 |
| Cash dividends to net income (ytd only)* | -20.3206% | 7,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 2,364 |
| Loan loss allowance to noncurrent loans | 8.5959% | 7,386 |
| Noncurrent assets plus other real estate owned to assets | 25.1592% | 22 |
| Noncurrent loans to loans | 21.6792% | 59 |
| Net loans and leases to total assets | 69.3601% | 3,403 |
| Net loans and leases to deposits | 80.7859% | 3,842 |
| Net loans and leases to core deposits | 117.6676% | 2,163 |
| Total domestic deposits to total assets | 85.8567% | 3,081 |
| Equity capital to assets | 13.8348% | 1,213 |
| Core capital (leverage) ratio | 13.6905% | 1,046 |
| Tier 1 risk-based capital ratio | 16.3247% | 2,387 |
| Total risk-based capital ratio | 17.5863% | 2,329 |
| Memoranda: | ||
| Average total assets | $364,292,800 | 1,863 |
| Average earning assets | $321,576,200 | 1,936 |
| Average equity | $58,997,800 | 1,122 |
| Average total loans | $255,176,200 | 1,863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 4,571 |
| Cost of funding earning assets | 2.3222% | 1,901 |
| Net interest margin | 3.1496% | 6,178 |
| Noninterest income to average assets | 0.0998% | 7,404 |
| Noninterest expense to average assets | 3.7846% | 1,623 |
| Loan and lease loss provision to assets | 2.5102% | 664 |
| Net operating income to assets | -3.4077% | 7,674 |
| Return on assets (ROA) | -3.4077% | 7,681 |
| Pretax return on assets | -3.4077% | 7,597 |
| Return on Equity (ROE) | -20.3058% | 7,383 |
| Retained earnings to average equity (ytd only) | -26.1877% | 7,514 |
| Net charge-offs to loans | 3.4781% | 431 |
| Credit loss provision to net charge-offs | 103.2636% | 4,929 |
| Earnings coverage of net charge-offs (x) | -0.3692% | 6,403 |
| Efficiency ratio | 131.0878% | 463 |
| Assets per employee ($millions) | 9.5398% | 305 |
| Cash dividends to net income (ytd only)* | -28.9668% | 7,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,228 |
| Loan loss allowance to noncurrent loans | 8.8604% | 7,474 |
| Noncurrent assets plus other real estate owned to assets | 24.7695% | 20 |
| Noncurrent loans to loans | 20.4953% | 60 |
| Net loans and leases to total assets | 71.2472% | 3,212 |
| Net loans and leases to deposits | 84.0312% | 3,633 |
| Net loans and leases to core deposits | 121.4396% | 2,123 |
| Total domestic deposits to total assets | 84.7867% | 3,329 |
| Equity capital to assets | 14.9435% | 1,019 |
| Core capital (leverage) ratio | 14.7290% | 908 |
| Tier 1 risk-based capital ratio | 17.4323% | 2,135 |
| Total risk-based capital ratio | 18.6973% | 2,090 |
| Memoranda: | ||
| Average total assets | $364,692,500 | 1,875 |
| Average earning assets | $322,738,750 | 1,948 |
| Average equity | $61,202,750 | 1,103 |
| Average total loans | $254,884,750 | 1,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3345% | 5,476 |
| Cost of funding earning assets | 2.3968% | 1,978 |
| Net interest margin | 2.9377% | 6,713 |
| Noninterest income to average assets | 0.1270% | 7,341 |
| Noninterest expense to average assets | 3.5805% | 2,121 |
| Loan and lease loss provision to assets | 1.5418% | 1,107 |
| Net operating income to assets | -2.3858% | 7,534 |
| Return on assets (ROA) | -2.3858% | 7,528 |
| Pretax return on assets | -2.3858% | 7,389 |
| Return on Equity (ROE) | -13.7191% | 7,261 |
| Retained earnings to average equity (ytd only) | -22.2169% | 7,520 |
| Net charge-offs to loans | -0.7400% | 8,119 |
| Credit loss provision to net charge-offs | -301.9293% | 7,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.8400% | 521 |
| Assets per employee ($millions) | 9.7023% | 285 |
| Cash dividends to net income (ytd only)* | -61.9408% | 8,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1420% | 500 |
| Loan loss allowance to noncurrent loans | 11.9181% | 7,458 |
| Noncurrent assets plus other real estate owned to assets | 27.6657% | 18 |
| Noncurrent loans to loans | 26.3634% | 24 |
| Net loans and leases to total assets | 69.4815% | 3,824 |
| Net loans and leases to deposits | 83.1092% | 4,024 |
| Net loans and leases to core deposits | 118.8316% | 2,472 |
| Total domestic deposits to total assets | 83.6027% | 3,967 |
| Equity capital to assets | 16.0304% | 818 |
| Core capital (leverage) ratio | 16.2590% | 708 |
| Tier 1 risk-based capital ratio | 19.4165% | 1,697 |
| Total risk-based capital ratio | 20.6847% | 1,652 |
| Memoranda: | ||
| Average total assets | $365,419,670 | 1,897 |
| Average earning assets | $324,605,670 | 1,953 |
| Average equity | $63,546,330 | 1,068 |
| Average total loans | $252,161,000 | 1,936 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7136% | 3,729 |
| Cost of funding earning assets | 2.4904% | 1,953 |
| Net interest margin | 3.2232% | 5,785 |
| Noninterest income to average assets | 0.1803% | 7,007 |
| Noninterest expense to average assets | 3.5296% | 2,029 |
| Loan and lease loss provision to assets | -1.0523% | 8,238 |
| Net operating income to assets | 0.5663% | 4,156 |
| Return on assets (ROA) | 0.5663% | 4,348 |
| Pretax return on assets | 0.5663% | 4,860 |
| Return on Equity (ROE) | 3.1322% | 5,314 |
| Retained earnings to average equity (ytd only) | -4.7743% | 6,527 |
| Net charge-offs to loans | -1.5561% | 8,173 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9682% | 690 |
| Assets per employee ($millions) | 10.0111% | 266 |
| Cash dividends to net income (ytd only)* | 252.4272% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 1,763 |
| Loan loss allowance to noncurrent loans | 7.4193% | 7,536 |
| Noncurrent assets plus other real estate owned to assets | 26.0540% | 12 |
| Noncurrent loans to loans | 24.7796% | 23 |
| Net loans and leases to total assets | 67.5556% | 4,234 |
| Net loans and leases to deposits | 82.8257% | 4,157 |
| Net loans and leases to core deposits | 116.5625% | 2,735 |
| Total domestic deposits to total assets | 81.5636% | 4,723 |
| Equity capital to assets | 18.1406% | 592 |
| Core capital (leverage) ratio | 18.0044% | 553 |
| Tier 1 risk-based capital ratio | 22.2031% | 1,275 |
| Total risk-based capital ratio | 23.4565% | 1,243 |
| Memoranda: | ||
| Average total assets | $363,785,500 | 1,909 |
| Average earning assets | $323,158,000 | 1,965 |
| Average equity | $65,768,500 | 1,030 |
| Average total loans | $246,001,500 | 1,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 5,988 |
| Cost of funding earning assets | 2.9422% | 2,083 |
| Net interest margin | 2.9677% | 6,993 |
| Noninterest income to average assets | 0.0678% | 7,812 |
| Noninterest expense to average assets | 4.5218% | 873 |
| Loan and lease loss provision to assets | 0.4695% | 2,952 |
| Net operating income to assets | -2.0816% | 7,620 |
| Return on assets (ROA) | -2.0816% | 7,583 |
| Pretax return on assets | -2.1324% | 7,482 |
| Return on Equity (ROE) | -11.4702% | 7,388 |
| Retained earnings to average equity (ytd only) | -21.7994% | 7,729 |
| Net charge-offs to loans | 1.0375% | 1,189 |
| Credit loss provision to net charge-offs | 73.2263% | 6,025 |
| Earnings coverage of net charge-offs (x) | -2.5937% | 6,742 |
| Efficiency ratio | 158.1645% | 317 |
| Assets per employee ($millions) | 10.1992% | 246 |
| Cash dividends to net income (ytd only)* | -90.0518% | 8,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 1,488 |
| Loan loss allowance to noncurrent loans | 6.6698% | 7,536 |
| Noncurrent assets plus other real estate owned to assets | 27.0300% | 11 |
| Noncurrent loans to loans | 28.0229% | 13 |
| Net loans and leases to total assets | 65.2047% | 5,012 |
| Net loans and leases to deposits | 79.9508% | 5,052 |
| Net loans and leases to core deposits | 112.5670% | 3,501 |
| Total domestic deposits to total assets | 81.5560% | 4,387 |
| Equity capital to assets | 18.0184% | 648 |
| Core capital (leverage) ratio | 17.1218% | 686 |
| Tier 1 risk-based capital ratio | 22.9993% | 1,193 |
| Total risk-based capital ratio | 24.2607% | 1,166 |
| Memoranda: | ||
| Average total assets | $417,707,800 | 1,629 |
| Average earning assets | $392,865,600 | 1,583 |
| Average equity | $75,805,000 | 875 |
| Average total loans | $258,115,600 | 1,849 |