Home > First Central Savings Bank > Performance and Condition Ratios
First Central Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 716 |
| Cost of funding earning assets | 2.5942% | 300 |
| Net interest margin | 3.3164% | 2,588 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.7070% | 1,719 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7420% | 3,072 |
| Return on assets (ROA) | 0.7511% | 3,023 |
| Pretax return on assets | 0.9455% | 2,827 |
| Return on Equity (ROE) | 8.8500% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.5325% | 1,689 |
| Net charge-offs to loans | -0.0167% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4924% | 1,502 |
| Assets per employee ($millions) | 9.9334% | 718 |
| Cash dividends to net income (ytd only)* | 14.9264% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,310 |
| Loan loss allowance to noncurrent loans | 190.3535% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 1,222 |
| Noncurrent loans to loans | 0.5249% | 1,477 |
| Net loans and leases to total assets | 85.8400% | 166 |
| Net loans and leases to deposits | 100.7466% | 497 |
| Net loans and leases to core deposits | 132.7145% | 360 |
| Total domestic deposits to total assets | 85.2000% | 2,250 |
| Equity capital to assets | 8.7108% | 2,897 |
| Core capital (leverage) ratio | 9.2254% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4422% | 1,707 |
| Memoranda: | ||
| Average total assets | $949,949,000 | 1,030 |
| Average earning assets | $904,569,200 | 995 |
| Average equity | $80,584,000 | 1,123 |
| Average total loans | $809,619,600 | 859 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 629 |
| Cost of funding earning assets | 2.4378% | 307 |
| Net interest margin | 3.4365% | 2,376 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.6952% | 1,673 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8285% | 2,938 |
| Return on assets (ROA) | 0.8285% | 2,925 |
| Pretax return on assets | 1.0438% | 2,733 |
| Return on Equity (ROE) | 9.8300% | 2,689 |
| Retained earnings to average equity (ytd only) | 9.8342% | 1,450 |
| Net charge-offs to loans | -0.0010% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.0746% | 1,672 |
| Assets per employee ($millions) | 9.9335% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,395 |
| Loan loss allowance to noncurrent loans | 196.8525% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 1,338 |
| Noncurrent loans to loans | 0.5060% | 1,549 |
| Net loans and leases to total assets | 85.3900% | 185 |
| Net loans and leases to deposits | 97.1217% | 670 |
| Net loans and leases to core deposits | 126.4559% | 405 |
| Total domestic deposits to total assets | 87.9200% | 1,604 |
| Equity capital to assets | 8.5701% | 2,682 |
| Core capital (leverage) ratio | 9.2039% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3892% | 1,757 |
| Memoranda: | ||
| Average total assets | $946,552,500 | 1,039 |
| Average earning assets | $901,021,250 | 1,000 |
| Average equity | $79,747,000 | 1,127 |
| Average total loans | $803,173,500 | 863 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7704% | 576 |
| Cost of funding earning assets | 2.2379% | 314 |
| Net interest margin | 3.5325% | 2,198 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6558% | 1,770 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.7937% | 3,100 |
| Return on assets (ROA) | 0.7937% | 3,105 |
| Pretax return on assets | 0.9998% | 2,910 |
| Return on Equity (ROE) | 9.4800% | 2,840 |
| Retained earnings to average equity (ytd only) | 9.4756% | 1,554 |
| Net charge-offs to loans | -0.0010% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.4066% | 1,731 |
| Assets per employee ($millions) | 10.1274% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,404 |
| Loan loss allowance to noncurrent loans | 222.2104% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 1,368 |
| Noncurrent loans to loans | 0.4511% | 1,586 |
| Net loans and leases to total assets | 84.9700% | 210 |
| Net loans and leases to deposits | 98.0917% | 597 |
| Net loans and leases to core deposits | 125.4717% | 399 |
| Total domestic deposits to total assets | 86.6200% | 2,047 |
| Equity capital to assets | 8.2905% | 3,029 |
| Core capital (leverage) ratio | 8.9346% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7331% | 2,009 |
| Memoranda: | ||
| Average total assets | $944,197,667 | 1,027 |
| Average earning assets | $898,000,333 | 995 |
| Average equity | $79,087,333 | 1,131 |
| Average total loans | $796,740,000 | 851 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 531 |
| Cost of funding earning assets | 2.0255% | 285 |
| Net interest margin | 3.5685% | 2,195 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.5943% | 1,966 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.7702% | 3,297 |
| Return on assets (ROA) | 0.7702% | 3,247 |
| Pretax return on assets | 0.9697% | 3,082 |
| Return on Equity (ROE) | 9.1500% | 3,006 |
| Retained earnings to average equity (ytd only) | 9.1460% | 1,900 |
| Net charge-offs to loans | -0.0015% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.9640% | 1,757 |
| Assets per employee ($millions) | 10.1741% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,487 |
| Loan loss allowance to noncurrent loans | 259.9872% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 1,541 |
| Noncurrent loans to loans | 0.3876% | 1,767 |
| Net loans and leases to total assets | 83.7000% | 255 |
| Net loans and leases to deposits | 98.2626% | 524 |
| Net loans and leases to core deposits | 124.4070% | 358 |
| Total domestic deposits to total assets | 85.1800% | 2,812 |
| Equity capital to assets | 8.2874% | 3,048 |
| Core capital (leverage) ratio | 9.1357% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6369% | 2,123 |
| Memoranda: | ||
| Average total assets | $930,179,500 | 1,060 |
| Average earning assets | $883,950,000 | 1,031 |
| Average equity | $78,329,500 | 1,147 |
| Average total loans | $777,888,500 | 879 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 337 |
| Cost of funding earning assets | 0.9237% | 230 |
| Net interest margin | 4.0159% | 775 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.7676% | 1,390 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.0946% | 2,197 |
| Return on assets (ROA) | 1.0946% | 2,142 |
| Pretax return on assets | 1.3811% | 1,819 |
| Return on Equity (ROE) | 12.3900% | 2,010 |
| Retained earnings to average equity (ytd only) | 12.3859% | 608 |
| Net charge-offs to loans | 0.2031% | 409 |
| Credit loss provision to net charge-offs | 178.1793% | 1,188 |
| Earnings coverage of net charge-offs (x) | 9.8749% | 2,212 |
| Efficiency ratio | 62.1541% | 2,737 |
| Assets per employee ($millions) | 8.9504% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,255 |
| Loan loss allowance to noncurrent loans | 243.3312% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 1,469 |
| Noncurrent loans to loans | 0.4195% | 1,673 |
| Net loans and leases to total assets | 81.8100% | 426 |
| Net loans and leases to deposits | 92.6691% | 877 |
| Net loans and leases to core deposits | 116.0669% | 443 |
| Total domestic deposits to total assets | 88.2800% | 1,978 |
| Equity capital to assets | 8.5622% | 2,663 |
| Core capital (leverage) ratio | 9.2378% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2016% | 1,895 |
| Memoranda: | ||
| Average total assets | $843,214,000 | 1,141 |
| Average earning assets | $799,272,200 | 1,115 |
| Average equity | $74,520,400 | 1,191 |
| Average total loans | $708,378,600 | 897 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 318 |
| Cost of funding earning assets | 0.6880% | 285 |
| Net interest margin | 4.0599% | 562 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.7007% | 1,473 |
| Loan and lease loss provision to assets | 0.4000% | 141 |
| Net operating income to assets | 1.1421% | 1,922 |
| Return on assets (ROA) | 1.1421% | 1,890 |
| Pretax return on assets | 1.4410% | 1,597 |
| Return on Equity (ROE) | 12.8100% | 1,769 |
| Retained earnings to average equity (ytd only) | 12.8145% | 643 |
| Net charge-offs to loans | 0.2725% | 246 |
| Credit loss provision to net charge-offs | 176.0504% | 1,046 |
| Earnings coverage of net charge-offs (x) | 8.0273% | 2,055 |
| Efficiency ratio | 59.4015% | 3,198 |
| Assets per employee ($millions) | 9.0787% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,448 |
| Loan loss allowance to noncurrent loans | 165.4744% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 1,060 |
| Noncurrent loans to loans | 0.6077% | 1,336 |
| Net loans and leases to total assets | 83.9400% | 249 |
| Net loans and leases to deposits | 97.8684% | 463 |
| Net loans and leases to core deposits | 117.4616% | 306 |
| Total domestic deposits to total assets | 85.7700% | 3,120 |
| Equity capital to assets | 8.3680% | 2,625 |
| Core capital (leverage) ratio | 9.0844% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6721% | 2,184 |
| Memoranda: | ||
| Average total assets | $828,020,250 | 1,165 |
| Average earning assets | $784,668,750 | 1,139 |
| Average equity | $73,800,250 | 1,215 |
| Average total loans | $698,689,250 | 905 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 326 |
| Cost of funding earning assets | 0.5193% | 466 |
| Net interest margin | 4.0600% | 434 |
| Noninterest income to average assets | 0.8808% | 878 |
| Noninterest expense to average assets | 2.6872% | 1,420 |
| Loan and lease loss provision to assets | 0.2477% | 295 |
| Net operating income to assets | 1.4203% | 859 |
| Return on assets (ROA) | 1.4203% | 841 |
| Pretax return on assets | 1.7938% | 610 |
| Return on Equity (ROE) | 15.5851% | 777 |
| Retained earnings to average equity (ytd only) | 15.5851% | 219 |
| Net charge-offs to loans | -0.0006% | 2,992 |
| Credit loss provision to net charge-offs | -50,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8278% | 3,698 |
| Assets per employee ($millions) | 8.6124% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,387 |
| Loan loss allowance to noncurrent loans | 127.2989% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 789 |
| Noncurrent loans to loans | 0.8235% | 1,043 |
| Net loans and leases to total assets | 83.0641% | 233 |
| Net loans and leases to deposits | 95.1319% | 470 |
| Net loans and leases to core deposits | 112.3758% | 311 |
| Total domestic deposits to total assets | 87.3146% | 2,822 |
| Equity capital to assets | 8.7150% | 2,602 |
| Core capital (leverage) ratio | 9.4773% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0072% | 2,055 |
| Memoranda: | ||
| Average total assets | $807,455,000 | 1,186 |
| Average earning assets | $765,265,000 | 1,171 |
| Average equity | $73,583,333 | 1,245 |
| Average total loans | $680,100,333 | 915 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 246 |
| Cost of funding earning assets | 0.4848% | 537 |
| Net interest margin | 4.1320% | 318 |
| Noninterest income to average assets | 1.5636% | 335 |
| Noninterest expense to average assets | 2.7842% | 1,191 |
| Loan and lease loss provision to assets | 0.3058% | 201 |
| Net operating income to assets | 1.8948% | 276 |
| Return on assets (ROA) | 1.8948% | 275 |
| Pretax return on assets | 2.3958% | 206 |
| Return on Equity (ROE) | 20.3108% | 222 |
| Retained earnings to average equity (ytd only) | 20.3108% | 92 |
| Net charge-offs to loans | -0.0006% | 2,984 |
| Credit loss provision to net charge-offs | -60,000.0000% | 3,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7525% | 4,277 |
| Assets per employee ($millions) | 7.8251% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,544 |
| Loan loss allowance to noncurrent loans | 224.5337% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 1,529 |
| Noncurrent loans to loans | 0.4658% | 1,858 |
| Net loans and leases to total assets | 83.3625% | 106 |
| Net loans and leases to deposits | 95.5796% | 293 |
| Net loans and leases to core deposits | 111.0838% | 238 |
| Total domestic deposits to total assets | 87.2179% | 2,847 |
| Equity capital to assets | 9.1862% | 2,538 |
| Core capital (leverage) ratio | 9.5053% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1729% | 2,127 |
| Memoranda: | ||
| Average total assets | $784,870,000 | 1,208 |
| Average earning assets | $745,018,500 | 1,196 |
| Average equity | $73,222,000 | 1,283 |
| Average total loans | $662,286,500 | 926 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 546 |
| Cost of funding earning assets | 0.6436% | 437 |
| Net interest margin | 3.9153% | 829 |
| Noninterest income to average assets | 0.9046% | 1,188 |
| Noninterest expense to average assets | 2.8496% | 1,250 |
| Loan and lease loss provision to assets | 0.2205% | 461 |
| Net operating income to assets | 1.2412% | 1,769 |
| Return on assets (ROA) | 1.2412% | 1,827 |
| Pretax return on assets | 1.5649% | 1,523 |
| Return on Equity (ROE) | 13.0396% | 1,454 |
| Retained earnings to average equity (ytd only) | 13.0396% | 397 |
| Net charge-offs to loans | 0.0663% | 1,128 |
| Credit loss provision to net charge-offs | 392.4051% | 919 |
| Earnings coverage of net charge-offs (x) | 31.7772% | 1,569 |
| Efficiency ratio | 61.4804% | 2,937 |
| Assets per employee ($millions) | 8.0395% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,720 |
| Loan loss allowance to noncurrent loans | 1,126.6898% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,423 |
| Noncurrent loans to loans | 0.0894% | 3,486 |
| Net loans and leases to total assets | 83.6762% | 119 |
| Net loans and leases to deposits | 99.2388% | 210 |
| Net loans and leases to core deposits | 113.4379% | 232 |
| Total domestic deposits to total assets | 84.3180% | 3,471 |
| Equity capital to assets | 9.4801% | 3,165 |
| Core capital (leverage) ratio | 9.5287% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0541% | 2,222 |
| Memoranda: | ||
| Average total assets | $703,043,800 | 1,281 |
| Average earning assets | $669,841,400 | 1,260 |
| Average equity | $66,919,200 | 1,398 |
| Average total loans | $595,606,400 | 1,020 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 638 |
| Cost of funding earning assets | 0.7006% | 381 |
| Net interest margin | 3.8296% | 1,059 |
| Noninterest income to average assets | 0.6433% | 2,037 |
| Noninterest expense to average assets | 2.7633% | 1,422 |
| Loan and lease loss provision to assets | 0.1842% | 580 |
| Net operating income to assets | 1.0657% | 2,669 |
| Return on assets (ROA) | 1.0657% | 2,735 |
| Pretax return on assets | 1.3417% | 2,507 |
| Return on Equity (ROE) | 11.1834% | 2,317 |
| Retained earnings to average equity (ytd only) | 11.1834% | 1,016 |
| Net charge-offs to loans | 0.0345% | 1,385 |
| Credit loss provision to net charge-offs | 629.1391% | 688 |
| Earnings coverage of net charge-offs (x) | 52.1325% | 1,219 |
| Efficiency ratio | 64.4252% | 2,329 |
| Assets per employee ($millions) | 7.8604% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,645 |
| Loan loss allowance to noncurrent loans | 634.1589% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 3,201 |
| Noncurrent loans to loans | 0.1662% | 3,290 |
| Net loans and leases to total assets | 81.5378% | 216 |
| Net loans and leases to deposits | 90.7397% | 563 |
| Net loans and leases to core deposits | 102.8375% | 499 |
| Total domestic deposits to total assets | 89.8590% | 830 |
| Equity capital to assets | 9.8327% | 3,078 |
| Core capital (leverage) ratio | 9.5079% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1814% | 2,300 |
| Memoranda: | ||
| Average total assets | $687,866,000 | 1,317 |
| Average earning assets | $654,847,000 | 1,301 |
| Average equity | $65,547,750 | 1,434 |
| Average total loans | $583,112,500 | 1,054 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 669 |
| Cost of funding earning assets | 0.7604% | 352 |
| Net interest margin | 3.7954% | 1,144 |
| Noninterest income to average assets | 0.4838% | 2,696 |
| Noninterest expense to average assets | 2.7199% | 1,537 |
| Loan and lease loss provision to assets | 0.2789% | 328 |
| Net operating income to assets | 0.8724% | 3,295 |
| Return on assets (ROA) | 0.8724% | 3,370 |
| Pretax return on assets | 1.0967% | 3,227 |
| Return on Equity (ROE) | 9.2571% | 3,025 |
| Retained earnings to average equity (ytd only) | 9.2571% | 1,634 |
| Net charge-offs to loans | 0.0964% | 757 |
| Credit loss provision to net charge-offs | 338.0783% | 838 |
| Earnings coverage of net charge-offs (x) | 16.6762% | 1,597 |
| Efficiency ratio | 66.4134% | 2,094 |
| Assets per employee ($millions) | 7.2909% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,664 |
| Loan loss allowance to noncurrent loans | 559.0149% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 3,197 |
| Noncurrent loans to loans | 0.1865% | 3,298 |
| Net loans and leases to total assets | 84.1864% | 132 |
| Net loans and leases to deposits | 93.6768% | 475 |
| Net loans and leases to core deposits | 108.4412% | 405 |
| Total domestic deposits to total assets | 89.8690% | 837 |
| Equity capital to assets | 9.8929% | 2,954 |
| Core capital (leverage) ratio | 9.2145% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3566% | 2,595 |
| Memoranda: | ||
| Average total assets | $681,342,667 | 1,323 |
| Average earning assets | $648,363,000 | 1,306 |
| Average equity | $64,210,333 | 1,444 |
| Average total loans | $583,159,000 | 1,058 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 839 |
| Cost of funding earning assets | 0.8263% | 311 |
| Net interest margin | 3.6256% | 1,513 |
| Noninterest income to average assets | 0.4182% | 2,995 |
| Noninterest expense to average assets | 2.6478% | 1,746 |
| Loan and lease loss provision to assets | 0.4100% | 183 |
| Net operating income to assets | 0.6495% | 3,812 |
| Return on assets (ROA) | 0.6495% | 3,886 |
| Pretax return on assets | 0.8141% | 3,784 |
| Return on Equity (ROE) | 7.0664% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0664% | 2,555 |
| Net charge-offs to loans | 0.1671% | 484 |
| Credit loss provision to net charge-offs | 285.7143% | 780 |
| Earnings coverage of net charge-offs (x) | 8.5306% | 1,575 |
| Efficiency ratio | 68.3860% | 1,881 |
| Assets per employee ($millions) | 8.0876% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,863 |
| Loan loss allowance to noncurrent loans | 531.7140% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 3,360 |
| Noncurrent loans to loans | 0.1868% | 3,437 |
| Net loans and leases to total assets | 85.0957% | 113 |
| Net loans and leases to deposits | 94.3221% | 476 |
| Net loans and leases to core deposits | 109.9623% | 408 |
| Total domestic deposits to total assets | 90.2182% | 714 |
| Equity capital to assets | 9.2949% | 3,394 |
| Core capital (leverage) ratio | 8.4957% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1778% | 2,895 |
| Memoranda: | ||
| Average total assets | $682,986,500 | 1,313 |
| Average earning assets | $650,600,500 | 1,290 |
| Average equity | $62,776,000 | 1,457 |
| Average total loans | $586,316,000 | 1,056 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 1,107 |
| Cost of funding earning assets | 1.3116% | 169 |
| Net interest margin | 3.2827% | 3,115 |
| Noninterest income to average assets | 0.2325% | 4,107 |
| Noninterest expense to average assets | 2.6404% | 2,419 |
| Loan and lease loss provision to assets | 0.4455% | 635 |
| Net operating income to assets | 0.2126% | 4,556 |
| Return on assets (ROA) | 0.2208% | 4,607 |
| Pretax return on assets | 0.2693% | 4,584 |
| Return on Equity (ROE) | 2.3909% | 4,511 |
| Retained earnings to average equity (ytd only) | 2.3909% | 3,670 |
| Net charge-offs to loans | 0.4262% | 394 |
| Credit loss provision to net charge-offs | 126.0327% | 2,588 |
| Earnings coverage of net charge-offs (x) | 1.9931% | 3,212 |
| Efficiency ratio | 78.9301% | 970 |
| Assets per employee ($millions) | 7.8024% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,163 |
| Loan loss allowance to noncurrent loans | 305.3113% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,021 |
| Noncurrent loans to loans | 0.2974% | 3,132 |
| Net loans and leases to total assets | 84.9647% | 135 |
| Net loans and leases to deposits | 97.5464% | 482 |
| Net loans and leases to core deposits | 114.7580% | 391 |
| Total domestic deposits to total assets | 87.1019% | 1,890 |
| Equity capital to assets | 9.0890% | 3,981 |
| Core capital (leverage) ratio | 8.2702% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5489% | 3,018 |
| Memoranda: | ||
| Average total assets | $657,181,600 | 1,245 |
| Average earning assets | $623,154,200 | 1,223 |
| Average equity | $60,688,000 | 1,431 |
| Average total loans | $545,341,000 | 1,063 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 1,302 |
| Cost of funding earning assets | 1.4136% | 161 |
| Net interest margin | 3.1874% | 3,518 |
| Noninterest income to average assets | 0.2023% | 4,261 |
| Noninterest expense to average assets | 2.5614% | 2,655 |
| Loan and lease loss provision to assets | 0.1590% | 2,414 |
| Net operating income to assets | 0.4036% | 4,258 |
| Return on assets (ROA) | 0.4145% | 4,298 |
| Pretax return on assets | 0.5150% | 4,253 |
| Return on Equity (ROE) | 4.4695% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.4695% | 2,817 |
| Net charge-offs to loans | 0.0871% | 1,432 |
| Credit loss provision to net charge-offs | 222.0630% | 2,035 |
| Earnings coverage of net charge-offs (x) | 9.2235% | 2,443 |
| Efficiency ratio | 79.5007% | 904 |
| Assets per employee ($millions) | 8.1099% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,993 |
| Loan loss allowance to noncurrent loans | 263.3537% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 3,010 |
| Noncurrent loans to loans | 0.3514% | 3,026 |
| Net loans and leases to total assets | 81.2116% | 504 |
| Net loans and leases to deposits | 91.1577% | 1,141 |
| Net loans and leases to core deposits | 110.2209% | 695 |
| Total domestic deposits to total assets | 89.0891% | 733 |
| Equity capital to assets | 9.2255% | 3,929 |
| Core capital (leverage) ratio | 8.6443% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8561% | 2,950 |
| Memoranda: | ||
| Average total assets | $649,824,250 | 1,238 |
| Average earning assets | $615,621,000 | 1,218 |
| Average equity | $60,258,500 | 1,431 |
| Average total loans | $534,495,500 | 1,075 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,602 |
| Cost of funding earning assets | 1.5104% | 161 |
| Net interest margin | 3.1096% | 3,883 |
| Noninterest income to average assets | 0.2246% | 4,145 |
| Noninterest expense to average assets | 2.5829% | 2,722 |
| Loan and lease loss provision to assets | 0.1486% | 2,520 |
| Net operating income to assets | 0.3524% | 4,328 |
| Return on assets (ROA) | 0.3691% | 4,352 |
| Pretax return on assets | 0.4576% | 4,322 |
| Return on Equity (ROE) | 3.9734% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.9734% | 2,922 |
| Net charge-offs to loans | 0.0277% | 2,164 |
| Credit loss provision to net charge-offs | 650.6849% | 1,049 |
| Earnings coverage of net charge-offs (x) | 25.6438% | 1,546 |
| Efficiency ratio | 81.5184% | 790 |
| Assets per employee ($millions) | 7.8155% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,853 |
| Loan loss allowance to noncurrent loans | 257.0215% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 3,077 |
| Noncurrent loans to loans | 0.3644% | 3,100 |
| Net loans and leases to total assets | 83.8652% | 263 |
| Net loans and leases to deposits | 94.2532% | 939 |
| Net loans and leases to core deposits | 109.2043% | 766 |
| Total domestic deposits to total assets | 88.9786% | 753 |
| Equity capital to assets | 9.2596% | 3,871 |
| Core capital (leverage) ratio | 8.5720% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4108% | 3,102 |
| Memoranda: | ||
| Average total assets | $639,356,333 | 1,233 |
| Average earning assets | $605,285,000 | 1,215 |
| Average equity | $59,395,667 | 1,434 |
| Average total loans | $526,526,333 | 1,075 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 1,409 |
| Cost of funding earning assets | 1.6454% | 160 |
| Net interest margin | 3.1579% | 3,964 |
| Noninterest income to average assets | 0.2823% | 3,838 |
| Noninterest expense to average assets | 2.5884% | 3,012 |
| Loan and lease loss provision to assets | 0.1576% | 1,828 |
| Net operating income to assets | 0.4161% | 4,097 |
| Return on assets (ROA) | 0.4494% | 4,067 |
| Pretax return on assets | 0.5609% | 4,001 |
| Return on Equity (ROE) | 4.8289% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.8289% | 2,351 |
| Net charge-offs to loans | 0.1708% | 775 |
| Credit loss provision to net charge-offs | 113.6364% | 1,736 |
| Earnings coverage of net charge-offs (x) | 4.8818% | 2,105 |
| Efficiency ratio | 79.2704% | 1,212 |
| Assets per employee ($millions) | 7.4409% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,110 |
| Loan loss allowance to noncurrent loans | 271.2337% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 3,337 |
| Noncurrent loans to loans | 0.3316% | 3,305 |
| Net loans and leases to total assets | 83.1165% | 343 |
| Net loans and leases to deposits | 98.9244% | 630 |
| Net loans and leases to core deposits | 113.2173% | 700 |
| Total domestic deposits to total assets | 84.0203% | 2,784 |
| Equity capital to assets | 9.4248% | 4,294 |
| Core capital (leverage) ratio | 8.3506% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5183% | 3,220 |
| Memoranda: | ||
| Average total assets | $634,689,500 | 1,205 |
| Average earning assets | $599,503,000 | 1,188 |
| Average equity | $59,060,500 | 1,436 |
| Average total loans | $515,205,500 | 1,071 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 1,646 |
| Cost of funding earning assets | 1.6566% | 235 |
| Net interest margin | 3.2791% | 4,027 |
| Noninterest income to average assets | 0.2259% | 4,311 |
| Noninterest expense to average assets | 2.5780% | 3,241 |
| Loan and lease loss provision to assets | 0.1861% | 1,106 |
| Net operating income to assets | 0.4369% | 4,526 |
| Return on assets (ROA) | 0.4416% | 4,550 |
| Pretax return on assets | 0.5707% | 4,465 |
| Return on Equity (ROE) | 4.7150% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.7150% | 2,578 |
| Net charge-offs to loans | 0.4493% | 423 |
| Credit loss provision to net charge-offs | 51.2937% | 3,117 |
| Earnings coverage of net charge-offs (x) | 2.0699% | 3,459 |
| Efficiency ratio | 77.4436% | 1,216 |
| Assets per employee ($millions) | 7.9641% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 3,749 |
| Loan loss allowance to noncurrent loans | 263.5353% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,293 |
| Noncurrent loans to loans | 0.3598% | 3,163 |
| Net loans and leases to total assets | 77.7251% | 1,122 |
| Net loans and leases to deposits | 87.4877% | 1,914 |
| Net loans and leases to core deposits | 99.3193% | 1,622 |
| Total domestic deposits to total assets | 88.8411% | 729 |
| Equity capital to assets | 9.2108% | 4,560 |
| Core capital (leverage) ratio | 8.6661% | 4,746 |
| Tier 1 risk-based capital ratio | 10.4914% | 5,025 |
| Total risk-based capital ratio | 11.4791% | 5,028 |
| Memoranda: | ||
| Average total assets | $607,304,200 | 1,211 |
| Average earning assets | $574,672,800 | 1,196 |
| Average equity | $56,882,800 | 1,429 |
| Average total loans | $490,344,200 | 1,096 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0063% | 1,517 |
| Cost of funding earning assets | 1.6613% | 235 |
| Net interest margin | 3.3450% | 4,001 |
| Noninterest income to average assets | 0.1945% | 4,555 |
| Noninterest expense to average assets | 2.6201% | 3,106 |
| Loan and lease loss provision to assets | 0.1189% | 1,643 |
| Net operating income to assets | 0.4891% | 4,542 |
| Return on assets (ROA) | 0.4954% | 4,575 |
| Pretax return on assets | 0.6279% | 4,496 |
| Return on Equity (ROE) | 5.2663% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.2663% | 2,746 |
| Net charge-offs to loans | 0.0057% | 3,186 |
| Credit loss provision to net charge-offs | 2,547.6190% | 158 |
| Earnings coverage of net charge-offs (x) | 158.2818% | 523 |
| Efficiency ratio | 78.0042% | 1,105 |
| Assets per employee ($millions) | 7.7295% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,029 |
| Loan loss allowance to noncurrent loans | 75.1009% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 814 |
| Noncurrent loans to loans | 1.7126% | 854 |
| Net loans and leases to total assets | 81.6031% | 618 |
| Net loans and leases to deposits | 92.5833% | 1,362 |
| Net loans and leases to core deposits | 105.4744% | 1,223 |
| Total domestic deposits to total assets | 88.1401% | 976 |
| Equity capital to assets | 9.7644% | 4,245 |
| Core capital (leverage) ratio | 8.7872% | 4,786 |
| Tier 1 risk-based capital ratio | 10.7064% | 5,017 |
| Total risk-based capital ratio | 11.9574% | 4,932 |
| Memoranda: | ||
| Average total assets | $599,849,000 | 1,226 |
| Average earning assets | $567,482,500 | 1,208 |
| Average equity | $56,432,500 | 1,432 |
| Average total loans | $487,943,500 | 1,103 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 1,272 |
| Cost of funding earning assets | 1.6186% | 254 |
| Net interest margin | 3.4615% | 3,709 |
| Noninterest income to average assets | 0.1849% | 4,643 |
| Noninterest expense to average assets | 2.7266% | 2,821 |
| Loan and lease loss provision to assets | 0.1114% | 1,681 |
| Net operating income to assets | 0.4952% | 4,531 |
| Return on assets (ROA) | 0.4952% | 4,569 |
| Pretax return on assets | 0.6219% | 4,498 |
| Return on Equity (ROE) | 5.3301% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.3301% | 2,607 |
| Net charge-offs to loans | 0.0399% | 2,091 |
| Credit loss provision to net charge-offs | 345.3608% | 814 |
| Earnings coverage of net charge-offs (x) | 22.7320% | 1,677 |
| Efficiency ratio | 78.8062% | 1,071 |
| Assets per employee ($millions) | 7.4222% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,460 |
| Loan loss allowance to noncurrent loans | 84.6670% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1745% | 1,147 |
| Noncurrent loans to loans | 1.4318% | 1,079 |
| Net loans and leases to total assets | 81.0296% | 729 |
| Net loans and leases to deposits | 91.5370% | 1,552 |
| Net loans and leases to core deposits | 104.4001% | 1,352 |
| Total domestic deposits to total assets | 88.5211% | 868 |
| Equity capital to assets | 9.3907% | 4,511 |
| Core capital (leverage) ratio | 8.3227% | 5,049 |
| Tier 1 risk-based capital ratio | 10.3731% | 5,148 |
| Total risk-based capital ratio | 11.6237% | 5,069 |
| Memoranda: | ||
| Average total assets | $601,407,000 | 1,224 |
| Average earning assets | $569,004,670 | 1,207 |
| Average equity | $55,871,670 | 1,436 |
| Average total loans | $486,588,330 | 1,107 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 1,683 |
| Cost of funding earning assets | 1.5183% | 304 |
| Net interest margin | 3.3538% | 4,023 |
| Noninterest income to average assets | 0.2215% | 4,419 |
| Noninterest expense to average assets | 2.6912% | 2,932 |
| Loan and lease loss provision to assets | 0.1907% | 852 |
| Net operating income to assets | 0.4075% | 4,712 |
| Return on assets (ROA) | 0.4075% | 4,727 |
| Pretax return on assets | 0.5085% | 4,663 |
| Return on Equity (ROE) | 4.4106% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.4106% | 3,166 |
| Net charge-offs to loans | 0.0125% | 2,247 |
| Credit loss provision to net charge-offs | 1,900.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 848 |
| Efficiency ratio | 79.3764% | 1,118 |
| Assets per employee ($millions) | 7.1097% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,397 |
| Loan loss allowance to noncurrent loans | 83.1716% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 1,124 |
| Noncurrent loans to loans | 1.4862% | 1,083 |
| Net loans and leases to total assets | 79.5016% | 909 |
| Net loans and leases to deposits | 89.4650% | 1,694 |
| Net loans and leases to core deposits | 101.2143% | 1,522 |
| Total domestic deposits to total assets | 88.8634% | 929 |
| Equity capital to assets | 9.1177% | 4,604 |
| Core capital (leverage) ratio | 8.2921% | 5,106 |
| Tier 1 risk-based capital ratio | 10.1803% | 5,248 |
| Total risk-based capital ratio | 11.4311% | 5,199 |
| Memoranda: | ||
| Average total assets | $597,799,500 | 1,232 |
| Average earning assets | $564,848,500 | 1,215 |
| Average equity | $55,230,500 | 1,444 |
| Average total loans | $480,274,500 | 1,123 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 2,821 |
| Cost of funding earning assets | 1.3140% | 204 |
| Net interest margin | 3.0683% | 4,698 |
| Noninterest income to average assets | 0.2103% | 4,654 |
| Noninterest expense to average assets | 2.5620% | 3,433 |
| Loan and lease loss provision to assets | 2.2952% | 28 |
| Net operating income to assets | -1.3736% | 5,355 |
| Return on assets (ROA) | -1.3736% | 5,352 |
| Pretax return on assets | -1.7754% | 5,365 |
| Return on Equity (ROE) | -14.7357% | 5,372 |
| Retained earnings to average equity (ytd only) | -14.7357% | 5,360 |
| Net charge-offs to loans | 3.8713% | 28 |
| Credit loss provision to net charge-offs | 73.3614% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.1661% | 3,708 |
| Efficiency ratio | 83.1345% | 702 |
| Assets per employee ($millions) | 7.2119% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,349 |
| Loan loss allowance to noncurrent loans | 95.3740% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 1,305 |
| Noncurrent loans to loans | 1.3015% | 1,213 |
| Net loans and leases to total assets | 79.1816% | 1,065 |
| Net loans and leases to deposits | 89.5537% | 1,854 |
| Net loans and leases to core deposits | 101.4455% | 1,610 |
| Total domestic deposits to total assets | 88.4180% | 1,110 |
| Equity capital to assets | 9.3658% | 4,247 |
| Core capital (leverage) ratio | 8.3325% | 5,099 |
| Tier 1 risk-based capital ratio | 10.5435% | 5,165 |
| Total risk-based capital ratio | 11.7944% | 5,060 |
| Memoranda: | ||
| Average total assets | $592,977,800 | 1,215 |
| Average earning assets | $554,939,000 | 1,207 |
| Average equity | $55,274,000 | 1,410 |
| Average total loans | $479,213,000 | 1,088 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 3,071 |
| Cost of funding earning assets | 1.2473% | 196 |
| Net interest margin | 3.0237% | 4,816 |
| Noninterest income to average assets | 0.2267% | 4,614 |
| Noninterest expense to average assets | 2.6019% | 3,273 |
| Loan and lease loss provision to assets | 2.4194% | 30 |
| Net operating income to assets | -1.5056% | 5,434 |
| Return on assets (ROA) | -1.5056% | 5,430 |
| Pretax return on assets | -1.9447% | 5,443 |
| Return on Equity (ROE) | -16.1711% | 5,448 |
| Retained earnings to average equity (ytd only) | -16.1711% | 5,429 |
| Net charge-offs to loans | 2.6911% | 37 |
| Credit loss provision to net charge-offs | 111.0312% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.2178% | 3,413 |
| Efficiency ratio | 84.5711% | 614 |
| Assets per employee ($millions) | 7.5332% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5540% | 223 |
| Loan loss allowance to noncurrent loans | 155.6579% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 1,097 |
| Noncurrent loans to loans | 1.6408% | 958 |
| Net loans and leases to total assets | 74.8958% | 1,834 |
| Net loans and leases to deposits | 84.5406% | 2,536 |
| Net loans and leases to core deposits | 95.2365% | 2,190 |
| Total domestic deposits to total assets | 88.5915% | 1,005 |
| Equity capital to assets | 9.2418% | 4,332 |
| Core capital (leverage) ratio | 8.4439% | 5,120 |
| Tier 1 risk-based capital ratio | 11.4597% | 4,814 |
| Total risk-based capital ratio | 12.7273% | 4,684 |
| Memoranda: | ||
| Average total assets | $595,181,000 | 1,211 |
| Average earning assets | $560,969,500 | 1,200 |
| Average equity | $55,414,500 | 1,415 |
| Average total loans | $481,925,000 | 1,083 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 3,114 |
| Cost of funding earning assets | 1.1403% | 241 |
| Net interest margin | 3.0588% | 4,795 |
| Noninterest income to average assets | 0.4157% | 3,383 |
| Noninterest expense to average assets | 2.5575% | 3,452 |
| Loan and lease loss provision to assets | 0.4049% | 298 |
| Net operating income to assets | 0.2835% | 5,142 |
| Return on assets (ROA) | 0.2835% | 5,136 |
| Pretax return on assets | 0.3489% | 5,108 |
| Return on Equity (ROE) | 3.0368% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.0368% | 4,032 |
| Net charge-offs to loans | 0.1245% | 1,185 |
| Credit loss provision to net charge-offs | 394.7368% | 832 |
| Earnings coverage of net charge-offs (x) | 7.3487% | 2,553 |
| Efficiency ratio | 77.2343% | 1,282 |
| Assets per employee ($millions) | 7.7273% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3199% | 307 |
| Loan loss allowance to noncurrent loans | 1,366.0023% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,291 |
| Noncurrent loans to loans | 0.1698% | 4,148 |
| Net loans and leases to total assets | 80.3677% | 964 |
| Net loans and leases to deposits | 90.6303% | 1,760 |
| Net loans and leases to core deposits | 102.6671% | 1,515 |
| Total domestic deposits to total assets | 88.6764% | 1,067 |
| Equity capital to assets | 9.1373% | 4,447 |
| Core capital (leverage) ratio | 9.1641% | 4,504 |
| Tier 1 risk-based capital ratio | 11.0802% | 5,013 |
| Total risk-based capital ratio | 12.3451% | 4,899 |
| Memoranda: | ||
| Average total assets | $592,689,670 | 1,214 |
| Average earning assets | $561,070,000 | 1,201 |
| Average equity | $55,320,670 | 1,417 |
| Average total loans | $488,169,000 | 1,074 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,327 |
| Cost of funding earning assets | 1.0943% | 236 |
| Net interest margin | 2.9792% | 4,906 |
| Noninterest income to average assets | 0.6447% | 2,055 |
| Noninterest expense to average assets | 2.5125% | 3,604 |
| Loan and lease loss provision to assets | 0.5824% | 175 |
| Net operating income to assets | 0.2974% | 5,100 |
| Return on assets (ROA) | 0.2974% | 5,101 |
| Pretax return on assets | 0.3666% | 5,081 |
| Return on Equity (ROE) | 3.1511% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.1511% | 3,944 |
| Net charge-offs to loans | 0.2577% | 595 |
| Credit loss provision to net charge-offs | 274.1935% | 872 |
| Earnings coverage of net charge-offs (x) | 4.4677% | 2,302 |
| Efficiency ratio | 72.5851% | 2,107 |
| Assets per employee ($millions) | 7.6942% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3245% | 312 |
| Loan loss allowance to noncurrent loans | 1,043.9926% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 4,146 |
| Noncurrent loans to loans | 0.2227% | 3,985 |
| Net loans and leases to total assets | 82.2532% | 635 |
| Net loans and leases to deposits | 93.2193% | 1,311 |
| Net loans and leases to core deposits | 104.1925% | 1,364 |
| Total domestic deposits to total assets | 88.2362% | 1,487 |
| Equity capital to assets | 9.5325% | 4,061 |
| Core capital (leverage) ratio | 9.1104% | 4,559 |
| Tier 1 risk-based capital ratio | 11.3596% | 4,947 |
| Total risk-based capital ratio | 12.6343% | 4,829 |
| Memoranda: | ||
| Average total assets | $583,808,000 | 1,245 |
| Average earning assets | $551,964,500 | 1,226 |
| Average equity | $55,091,500 | 1,426 |
| Average total loans | $481,124,000 | 1,095 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 3,195 |
| Cost of funding earning assets | 1.0511% | 162 |
| Net interest margin | 3.0120% | 4,858 |
| Noninterest income to average assets | 0.2023% | 4,933 |
| Noninterest expense to average assets | 2.4124% | 4,045 |
| Loan and lease loss provision to assets | 0.1733% | 1,259 |
| Net operating income to assets | -0.3944% | 5,500 |
| Return on assets (ROA) | -0.3881% | 5,498 |
| Pretax return on assets | 0.4616% | 4,992 |
| Return on Equity (ROE) | -3.8819% | 5,519 |
| Retained earnings to average equity (ytd only) | -3.8819% | 5,392 |
| Net charge-offs to loans | -0.6476% | 5,615 |
| Credit loss provision to net charge-offs | -33.4560% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4213% | 1,171 |
| Assets per employee ($millions) | 7.6695% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2583% | 334 |
| Loan loss allowance to noncurrent loans | 986.7890% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,205 |
| Noncurrent loans to loans | 0.2288% | 3,989 |
| Net loans and leases to total assets | 78.8318% | 1,152 |
| Net loans and leases to deposits | 89.1358% | 1,876 |
| Net loans and leases to core deposits | 98.8095% | 1,803 |
| Total domestic deposits to total assets | 88.4401% | 1,277 |
| Equity capital to assets | 9.3428% | 4,386 |
| Core capital (leverage) ratio | 8.7637% | 4,887 |
| Tier 1 risk-based capital ratio | 11.5035% | 4,847 |
| Total risk-based capital ratio | 12.7701% | 4,735 |
| Memoranda: | ||
| Average total assets | $576,894,600 | 1,239 |
| Average earning assets | $543,031,200 | 1,221 |
| Average equity | $57,677,400 | 1,364 |
| Average total loans | $461,572,400 | 1,102 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 2,955 |
| Cost of funding earning assets | 1.0308% | 168 |
| Net interest margin | 3.0792% | 4,759 |
| Noninterest income to average assets | 0.2176% | 4,918 |
| Noninterest expense to average assets | 2.3617% | 4,115 |
| Loan and lease loss provision to assets | 0.2162% | 863 |
| Net operating income to assets | 0.3678% | 5,068 |
| Return on assets (ROA) | 0.3678% | 5,088 |
| Pretax return on assets | 0.5338% | 4,964 |
| Return on Equity (ROE) | 3.6178% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.6178% | 3,768 |
| Net charge-offs to loans | -0.1989% | 5,541 |
| Credit loss provision to net charge-offs | -136.1640% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8966% | 1,607 |
| Assets per employee ($millions) | 8.1612% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 858 |
| Loan loss allowance to noncurrent loans | 463.6967% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 3,873 |
| Noncurrent loans to loans | 0.3869% | 3,567 |
| Net loans and leases to total assets | 75.9496% | 1,597 |
| Net loans and leases to deposits | 86.2039% | 2,270 |
| Net loans and leases to core deposits | 93.7502% | 2,291 |
| Total domestic deposits to total assets | 88.1046% | 1,309 |
| Equity capital to assets | 9.7728% | 4,174 |
| Core capital (leverage) ratio | 9.0436% | 4,694 |
| Tier 1 risk-based capital ratio | 11.8143% | 4,758 |
| Total risk-based capital ratio | 13.0766% | 4,616 |
| Memoranda: | ||
| Average total assets | $573,480,750 | 1,255 |
| Average earning assets | $539,008,250 | 1,233 |
| Average equity | $58,303,250 | 1,357 |
| Average total loans | $457,891,250 | 1,113 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,038 |
| Cost of funding earning assets | 1.0117% | 167 |
| Net interest margin | 3.0296% | 4,843 |
| Noninterest income to average assets | 0.2563% | 4,697 |
| Noninterest expense to average assets | 2.3599% | 4,185 |
| Loan and lease loss provision to assets | 0.1740% | 1,106 |
| Net operating income to assets | 0.3884% | 5,002 |
| Return on assets (ROA) | 0.3884% | 5,029 |
| Pretax return on assets | 0.5652% | 4,871 |
| Return on Equity (ROE) | 3.7683% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.7683% | 3,445 |
| Net charge-offs to loans | -0.1689% | 5,552 |
| Credit loss provision to net charge-offs | -127.6042% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1485% | 1,701 |
| Assets per employee ($millions) | 8.1710% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 1,232 |
| Loan loss allowance to noncurrent loans | 266.8530% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 2,664 |
| Noncurrent loans to loans | 0.6043% | 2,912 |
| Net loans and leases to total assets | 79.2365% | 1,058 |
| Net loans and leases to deposits | 90.3090% | 1,686 |
| Net loans and leases to core deposits | 98.3429% | 1,775 |
| Total domestic deposits to total assets | 87.7393% | 1,598 |
| Equity capital to assets | 10.0117% | 3,895 |
| Core capital (leverage) ratio | 8.9995% | 4,726 |
| Tier 1 risk-based capital ratio | 11.5562% | 4,919 |
| Total risk-based capital ratio | 12.8165% | 4,807 |
| Memoranda: | ||
| Average total assets | $563,330,330 | 1,280 |
| Average earning assets | $528,592,330 | 1,255 |
| Average equity | $58,064,000 | 1,362 |
| Average total loans | $454,834,000 | 1,122 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,695 |
| Cost of funding earning assets | 0.9391% | 226 |
| Net interest margin | 3.1492% | 4,506 |
| Noninterest income to average assets | 0.1975% | 5,087 |
| Noninterest expense to average assets | 2.3441% | 4,279 |
| Loan and lease loss provision to assets | 0.2106% | 772 |
| Net operating income to assets | 0.4059% | 4,926 |
| Return on assets (ROA) | 0.4059% | 4,953 |
| Pretax return on assets | 0.5918% | 4,749 |
| Return on Equity (ROE) | 3.8788% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.8788% | 3,514 |
| Net charge-offs to loans | -0.0790% | 5,369 |
| Credit loss provision to net charge-offs | -329.5455% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4980% | 2,147 |
| Assets per employee ($millions) | 7.5802% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,524 |
| Loan loss allowance to noncurrent loans | 244.3228% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 2,597 |
| Noncurrent loans to loans | 0.6328% | 2,932 |
| Net loans and leases to total assets | 80.0215% | 826 |
| Net loans and leases to deposits | 91.3438% | 1,392 |
| Net loans and leases to core deposits | 98.1127% | 1,648 |
| Total domestic deposits to total assets | 87.6047% | 1,942 |
| Equity capital to assets | 10.2078% | 3,503 |
| Core capital (leverage) ratio | 9.6586% | 3,916 |
| Tier 1 risk-based capital ratio | 11.6681% | 4,935 |
| Total risk-based capital ratio | 12.9281% | 4,825 |
| Memoranda: | ||
| Average total assets | $550,839,500 | 1,304 |
| Average earning assets | $515,818,000 | 1,280 |
| Average equity | $57,646,000 | 1,365 |
| Average total loans | $445,352,000 | 1,143 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,279 |
| Cost of funding earning assets | 1.0116% | 161 |
| Net interest margin | 2.9662% | 5,024 |
| Noninterest income to average assets | 0.1187% | 5,587 |
| Noninterest expense to average assets | 2.8026% | 3,011 |
| Loan and lease loss provision to assets | -0.0346% | 5,546 |
| Net operating income to assets | 0.0854% | 5,580 |
| Return on assets (ROA) | 0.1154% | 5,573 |
| Pretax return on assets | 0.1437% | 5,550 |
| Return on Equity (ROE) | 1.0574% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.0574% | 4,893 |
| Net charge-offs to loans | -0.1077% | 5,614 |
| Credit loss provision to net charge-offs | 43.2304% | 3,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5094% | 267 |
| Assets per employee ($millions) | 6.8354% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 1,425 |
| Loan loss allowance to noncurrent loans | 142.3223% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 1,766 |
| Noncurrent loans to loans | 1.1091% | 1,868 |
| Net loans and leases to total assets | 79.1238% | 1,025 |
| Net loans and leases to deposits | 89.1721% | 1,786 |
| Net loans and leases to core deposits | 95.5561% | 1,962 |
| Total domestic deposits to total assets | 88.7316% | 1,245 |
| Equity capital to assets | 10.7395% | 2,877 |
| Core capital (leverage) ratio | 9.6009% | 3,964 |
| Tier 1 risk-based capital ratio | 11.8476% | 4,823 |
| Total risk-based capital ratio | 13.1123% | 4,711 |
| Memoranda: | ||
| Average total assets | $526,647,400 | 1,308 |
| Average earning assets | $489,247,200 | 1,294 |
| Average equity | $57,501,200 | 1,336 |
| Average total loans | $390,870,800 | 1,219 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 3,263 |
| Cost of funding earning assets | 1.0260% | 148 |
| Net interest margin | 2.9642% | 5,074 |
| Noninterest income to average assets | 0.1023% | 5,701 |
| Noninterest expense to average assets | 2.8847% | 2,686 |
| Loan and lease loss provision to assets | -0.0465% | 5,713 |
| Net operating income to assets | 0.0140% | 5,706 |
| Return on assets (ROA) | 0.0637% | 5,704 |
| Pretax return on assets | 0.0643% | 5,704 |
| Return on Equity (ROE) | 0.5814% | 5,689 |
| Retained earnings to average equity (ytd only) | 0.5814% | 5,206 |
| Net charge-offs to loans | -0.1451% | 5,682 |
| Credit loss provision to net charge-offs | 44.0964% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1397% | 207 |
| Assets per employee ($millions) | 6.7101% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 1,256 |
| Loan loss allowance to noncurrent loans | 146.3404% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 1,470 |
| Noncurrent loans to loans | 1.1513% | 1,950 |
| Net loans and leases to total assets | 73.4613% | 1,954 |
| Net loans and leases to deposits | 82.7872% | 2,636 |
| Net loans and leases to core deposits | 88.6857% | 2,693 |
| Total domestic deposits to total assets | 88.7351% | 1,030 |
| Equity capital to assets | 10.7748% | 3,275 |
| Core capital (leverage) ratio | 9.3946% | 4,333 |
| Tier 1 risk-based capital ratio | 12.2914% | 4,617 |
| Total risk-based capital ratio | 13.5573% | 4,501 |
| Memoranda: | ||
| Average total assets | $525,018,500 | 1,313 |
| Average earning assets | $487,050,000 | 1,305 |
| Average equity | $57,561,750 | 1,342 |
| Average total loans | $381,432,250 | 1,238 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 2,848 |
| Cost of funding earning assets | 1.0328% | 141 |
| Net interest margin | 3.0693% | 4,921 |
| Noninterest income to average assets | 0.1977% | 5,314 |
| Noninterest expense to average assets | 2.9634% | 2,473 |
| Loan and lease loss provision to assets | -0.0134% | 5,773 |
| Net operating income to assets | 0.0792% | 5,693 |
| Return on assets (ROA) | 0.1328% | 5,676 |
| Pretax return on assets | 0.1493% | 5,669 |
| Return on Equity (ROE) | 1.2041% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.2041% | 4,898 |
| Net charge-offs to loans | -0.2081% | 5,819 |
| Credit loss provision to net charge-offs | 8.9744% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5120% | 300 |
| Assets per employee ($millions) | 6.5029% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 1,076 |
| Loan loss allowance to noncurrent loans | 153.6623% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 1,481 |
| Noncurrent loans to loans | 1.1724% | 1,961 |
| Net loans and leases to total assets | 70.3414% | 2,428 |
| Net loans and leases to deposits | 79.4365% | 3,007 |
| Net loans and leases to core deposits | 84.3614% | 3,050 |
| Total domestic deposits to total assets | 88.5505% | 1,143 |
| Equity capital to assets | 10.8558% | 3,228 |
| Core capital (leverage) ratio | 9.7029% | 3,927 |
| Tier 1 risk-based capital ratio | 12.8190% | 4,300 |
| Total risk-based capital ratio | 14.0862% | 4,209 |
| Memoranda: | ||
| Average total assets | $521,088,330 | 1,329 |
| Average earning assets | $482,385,670 | 1,320 |
| Average equity | $57,469,000 | 1,348 |
| Average total loans | $374,874,670 | 1,260 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,451 |
| Cost of funding earning assets | 1.0561% | 116 |
| Net interest margin | 3.1482% | 4,734 |
| Noninterest income to average assets | 0.1763% | 5,438 |
| Noninterest expense to average assets | 3.0997% | 2,105 |
| Loan and lease loss provision to assets | -0.0272% | 5,923 |
| Net operating income to assets | 0.0466% | 5,747 |
| Return on assets (ROA) | 0.1103% | 5,713 |
| Pretax return on assets | 0.0800% | 5,758 |
| Return on Equity (ROE) | 0.9920% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.9920% | 4,841 |
| Net charge-offs to loans | -0.2865% | 5,924 |
| Credit loss provision to net charge-offs | 13.1579% | 2,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3520% | 286 |
| Assets per employee ($millions) | 6.2570% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 1,213 |
| Loan loss allowance to noncurrent loans | 149.4912% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.4678% | 1,401 |
| Noncurrent loans to loans | 1.1831% | 2,045 |
| Net loans and leases to total assets | 73.1453% | 1,861 |
| Net loans and leases to deposits | 82.9381% | 2,435 |
| Net loans and leases to core deposits | 88.2393% | 2,540 |
| Total domestic deposits to total assets | 88.1927% | 1,532 |
| Equity capital to assets | 11.2274% | 2,704 |
| Core capital (leverage) ratio | 9.8751% | 3,693 |
| Tier 1 risk-based capital ratio | 12.7480% | 4,433 |
| Total risk-based capital ratio | 14.0142% | 4,327 |
| Memoranda: | ||
| Average total assets | $515,015,000 | 1,341 |
| Average earning assets | $476,468,500 | 1,330 |
| Average equity | $57,260,000 | 1,355 |
| Average total loans | $371,329,000 | 1,268 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 3,002 |
| Cost of funding earning assets | 1.0766% | 112 |
| Net interest margin | 3.0029% | 5,131 |
| Noninterest income to average assets | 0.2742% | 4,924 |
| Noninterest expense to average assets | 2.9132% | 2,810 |
| Loan and lease loss provision to assets | -0.0430% | 5,722 |
| Net operating income to assets | -0.1620% | 5,954 |
| Return on assets (ROA) | -0.1429% | 5,959 |
| Pretax return on assets | 0.2019% | 5,685 |
| Return on Equity (ROE) | -1.2704% | 5,949 |
| Retained earnings to average equity (ytd only) | -1.2704% | 5,690 |
| Net charge-offs to loans | 0.3316% | 898 |
| Credit loss provision to net charge-offs | -19.6096% | 4,987 |
| Earnings coverage of net charge-offs (x) | 0.5892% | 4,206 |
| Efficiency ratio | 95.7580% | 407 |
| Assets per employee ($millions) | 5.5587% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 1,112 |
| Loan loss allowance to noncurrent loans | 147.0376% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 1,426 |
| Noncurrent loans to loans | 1.2310% | 1,917 |
| Net loans and leases to total assets | 68.4941% | 2,627 |
| Net loans and leases to deposits | 78.3178% | 3,018 |
| Net loans and leases to core deposits | 83.1748% | 3,033 |
| Total domestic deposits to total assets | 87.4566% | 1,904 |
| Equity capital to assets | 11.0096% | 2,815 |
| Core capital (leverage) ratio | 9.6514% | 3,977 |
| Tier 1 risk-based capital ratio | 13.3096% | 4,098 |
| Total risk-based capital ratio | 14.5813% | 4,035 |
| Memoranda: | ||
| Average total assets | $514,517,200 | 1,302 |
| Average earning assets | $474,270,800 | 1,303 |
| Average equity | $57,855,600 | 1,298 |
| Average total loans | $339,897,400 | 1,318 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,087 |
| Cost of funding earning assets | 1.0640% | 123 |
| Net interest margin | 2.9996% | 5,189 |
| Noninterest income to average assets | 0.1858% | 5,550 |
| Noninterest expense to average assets | 2.8886% | 2,885 |
| Loan and lease loss provision to assets | -0.0913% | 5,985 |
| Net operating income to assets | -0.2725% | 6,079 |
| Return on assets (ROA) | -0.2524% | 6,083 |
| Pretax return on assets | 0.1824% | 5,810 |
| Return on Equity (ROE) | -2.2332% | 6,077 |
| Retained earnings to average equity (ytd only) | -2.2332% | 5,880 |
| Net charge-offs to loans | -0.2020% | 5,998 |
| Credit loss provision to net charge-offs | 69.4280% | 2,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9761% | 354 |
| Assets per employee ($millions) | 5.6624% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 709 |
| Loan loss allowance to noncurrent loans | 128.6859% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.8312% | 1,158 |
| Noncurrent loans to loans | 1.6766% | 1,457 |
| Net loans and leases to total assets | 69.1507% | 2,511 |
| Net loans and leases to deposits | 78.9962% | 2,994 |
| Net loans and leases to core deposits | 84.0787% | 3,030 |
| Total domestic deposits to total assets | 87.5367% | 1,783 |
| Equity capital to assets | 10.8461% | 3,197 |
| Core capital (leverage) ratio | 9.5432% | 4,248 |
| Tier 1 risk-based capital ratio | 12.8754% | 4,506 |
| Total risk-based capital ratio | 14.1514% | 4,409 |
| Memoranda: | ||
| Average total assets | $513,907,250 | 1,314 |
| Average earning assets | $473,291,750 | 1,310 |
| Average equity | $58,090,750 | 1,303 |
| Average total loans | $334,718,750 | 1,341 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 2,844 |
| Cost of funding earning assets | 1.0461% | 133 |
| Net interest margin | 3.0688% | 5,050 |
| Noninterest income to average assets | 0.1844% | 5,589 |
| Noninterest expense to average assets | 2.9211% | 2,813 |
| Loan and lease loss provision to assets | -0.1381% | 6,118 |
| Net operating income to assets | 0.1715% | 5,764 |
| Return on assets (ROA) | 0.1840% | 5,793 |
| Pretax return on assets | 0.2417% | 5,756 |
| Return on Equity (ROE) | 1.6057% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.6057% | 4,896 |
| Net charge-offs to loans | -0.1881% | 6,004 |
| Credit loss provision to net charge-offs | 116.1716% | 1,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1041% | 402 |
| Assets per employee ($millions) | 6.1485% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3572% | 586 |
| Loan loss allowance to noncurrent loans | 114.7676% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 1,135 |
| Noncurrent loans to loans | 2.0539% | 1,177 |
| Net loans and leases to total assets | 62.0298% | 3,544 |
| Net loans and leases to deposits | 71.1294% | 3,810 |
| Net loans and leases to core deposits | 75.2644% | 3,827 |
| Total domestic deposits to total assets | 87.2070% | 2,056 |
| Equity capital to assets | 11.2200% | 2,653 |
| Core capital (leverage) ratio | 9.8001% | 3,866 |
| Tier 1 risk-based capital ratio | 14.2825% | 3,769 |
| Total risk-based capital ratio | 15.5460% | 3,685 |
| Memoranda: | ||
| Average total assets | $509,675,670 | 1,333 |
| Average earning assets | $468,981,330 | 1,333 |
| Average equity | $58,415,670 | 1,304 |
| Average total loans | $322,232,000 | 1,393 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,273 |
| Cost of funding earning assets | 1.0330% | 148 |
| Net interest margin | 2.9549% | 5,333 |
| Noninterest income to average assets | 0.1820% | 5,625 |
| Noninterest expense to average assets | 3.0040% | 2,567 |
| Loan and lease loss provision to assets | -0.1955% | 6,262 |
| Net operating income to assets | 0.0763% | 5,923 |
| Return on assets (ROA) | 0.1073% | 5,919 |
| Pretax return on assets | 0.1153% | 5,933 |
| Return on Equity (ROE) | 0.9262% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.9262% | 5,092 |
| Net charge-offs to loans | -0.1828% | 6,031 |
| Credit loss provision to net charge-offs | 169.6552% | 1,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9329% | 272 |
| Assets per employee ($millions) | 5.7863% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 627 |
| Loan loss allowance to noncurrent loans | 121.0338% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.9297% | 1,251 |
| Noncurrent loans to loans | 1.9738% | 1,326 |
| Net loans and leases to total assets | 62.3809% | 3,308 |
| Net loans and leases to deposits | 71.8001% | 3,553 |
| Net loans and leases to core deposits | 76.0143% | 3,598 |
| Total domestic deposits to total assets | 86.8814% | 2,436 |
| Equity capital to assets | 11.4797% | 2,476 |
| Core capital (leverage) ratio | 10.0244% | 3,570 |
| Tier 1 risk-based capital ratio | 14.7460% | 3,576 |
| Total risk-based capital ratio | 16.0099% | 3,501 |
| Memoranda: | ||
| Average total assets | $503,203,000 | 1,350 |
| Average earning assets | $461,200,500 | 1,356 |
| Average equity | $58,304,500 | 1,313 |
| Average total loans | $317,344,500 | 1,410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 4,338 |
| Cost of funding earning assets | 1.0413% | 189 |
| Net interest margin | 2.8038% | 5,801 |
| Noninterest income to average assets | 0.2722% | 5,172 |
| Noninterest expense to average assets | 2.9142% | 3,102 |
| Loan and lease loss provision to assets | -0.0048% | 5,897 |
| Net operating income to assets | -0.5323% | 6,303 |
| Return on assets (ROA) | -0.5110% | 6,298 |
| Pretax return on assets | -0.0165% | 6,105 |
| Return on Equity (ROE) | -4.3287% | 6,273 |
| Retained earnings to average equity (ytd only) | -4.3287% | 6,150 |
| Net charge-offs to loans | 1.0147% | 294 |
| Credit loss provision to net charge-offs | -0.8070% | 5,285 |
| Earnings coverage of net charge-offs (x) | -0.0720% | 4,723 |
| Efficiency ratio | 101.4818% | 337 |
| Assets per employee ($millions) | 5.9196% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5459% | 522 |
| Loan loss allowance to noncurrent loans | 112.3716% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0937% | 1,183 |
| Noncurrent loans to loans | 2.2656% | 1,154 |
| Net loans and leases to total assets | 60.6232% | 3,704 |
| Net loans and leases to deposits | 69.9787% | 3,911 |
| Net loans and leases to core deposits | 74.0649% | 3,914 |
| Total domestic deposits to total assets | 86.6309% | 2,491 |
| Equity capital to assets | 11.7019% | 2,257 |
| Core capital (leverage) ratio | 9.4598% | 4,295 |
| Tier 1 risk-based capital ratio | 14.0740% | 4,041 |
| Total risk-based capital ratio | 15.3374% | 3,959 |
| Memoranda: | ||
| Average total assets | $502,919,600 | 1,327 |
| Average earning assets | $466,266,400 | 1,316 |
| Average equity | $59,371,200 | 1,232 |
| Average total loans | $293,086,200 | 1,459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,496 |
| Cost of funding earning assets | 1.0346% | 207 |
| Net interest margin | 2.7780% | 5,898 |
| Noninterest income to average assets | 0.2260% | 5,577 |
| Noninterest expense to average assets | 2.9199% | 3,050 |
| Loan and lease loss provision to assets | -0.0032% | 6,065 |
| Net operating income to assets | -0.7360% | 6,429 |
| Return on assets (ROA) | -0.7352% | 6,425 |
| Pretax return on assets | -0.1013% | 6,204 |
| Return on Equity (ROE) | -6.2143% | 6,389 |
| Retained earnings to average equity (ytd only) | -6.2143% | 6,298 |
| Net charge-offs to loans | 1.4443% | 169 |
| Credit loss provision to net charge-offs | -0.3833% | 5,201 |
| Earnings coverage of net charge-offs (x) | -0.1271% | 4,468 |
| Efficiency ratio | 103.7381% | 298 |
| Assets per employee ($millions) | 6.1932% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6537% | 521 |
| Loan loss allowance to noncurrent loans | 94.5797% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.3907% | 1,132 |
| Noncurrent loans to loans | 2.8058% | 991 |
| Net loans and leases to total assets | 55.8370% | 4,352 |
| Net loans and leases to deposits | 64.1444% | 4,521 |
| Net loans and leases to core deposits | 67.7846% | 4,527 |
| Total domestic deposits to total assets | 87.0488% | 2,294 |
| Equity capital to assets | 11.3806% | 2,606 |
| Core capital (leverage) ratio | 9.2957% | 4,642 |
| Tier 1 risk-based capital ratio | 14.8479% | 3,683 |
| Total risk-based capital ratio | 16.1135% | 3,606 |
| Memoranda: | ||
| Average total assets | $504,338,500 | 1,336 |
| Average earning assets | $469,974,250 | 1,312 |
| Average equity | $59,667,250 | 1,238 |
| Average total loans | $289,027,750 | 1,491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,708 |
| Cost of funding earning assets | 1.0324% | 218 |
| Net interest margin | 2.7149% | 6,038 |
| Noninterest income to average assets | 0.1427% | 6,108 |
| Noninterest expense to average assets | 2.8253% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1280% | 6,277 |
| Return on assets (ROA) | -0.1280% | 6,287 |
| Pretax return on assets | -0.1459% | 6,287 |
| Return on Equity (ROE) | -1.0681% | 6,277 |
| Retained earnings to average equity (ytd only) | -1.0681% | 5,862 |
| Net charge-offs to loans | 2.1917% | 96 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.1162% | 4,142 |
| Efficiency ratio | 105.4443% | 304 |
| Assets per employee ($millions) | 5.9243% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7603% | 491 |
| Loan loss allowance to noncurrent loans | 61.3457% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 3.5113% | 662 |
| Noncurrent loans to loans | 4.4996% | 491 |
| Net loans and leases to total assets | 53.9575% | 4,547 |
| Net loans and leases to deposits | 62.5280% | 4,634 |
| Net loans and leases to core deposits | 65.8601% | 4,654 |
| Total domestic deposits to total assets | 86.2932% | 2,886 |
| Equity capital to assets | 11.9815% | 2,000 |
| Core capital (leverage) ratio | 9.5642% | 4,231 |
| Tier 1 risk-based capital ratio | 15.8632% | 3,162 |
| Total risk-based capital ratio | 17.1296% | 3,090 |
| Memoranda: | ||
| Average total assets | $503,171,670 | 1,336 |
| Average earning assets | $470,146,000 | 1,307 |
| Average equity | $60,291,330 | 1,207 |
| Average total loans | $288,273,000 | 1,487 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 4,627 |
| Cost of funding earning assets | 1.0404% | 226 |
| Net interest margin | 2.7210% | 6,080 |
| Noninterest income to average assets | 0.1431% | 6,114 |
| Noninterest expense to average assets | 2.7461% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0398% | 6,242 |
| Return on assets (ROA) | -0.0398% | 6,249 |
| Pretax return on assets | -0.0676% | 6,263 |
| Return on Equity (ROE) | -0.3318% | 6,247 |
| Retained earnings to average equity (ytd only) | -0.3318% | 5,620 |
| Net charge-offs to loans | 4.3950% | 32 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.0264% | 3,433 |
| Efficiency ratio | 102.5238% | 410 |
| Assets per employee ($millions) | 6.0392% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7146% | 611 |
| Loan loss allowance to noncurrent loans | 55.2812% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.7041% | 679 |
| Noncurrent loans to loans | 4.9105% | 460 |
| Net loans and leases to total assets | 54.7449% | 4,316 |
| Net loans and leases to deposits | 63.4209% | 4,382 |
| Net loans and leases to core deposits | 66.5035% | 4,449 |
| Total domestic deposits to total assets | 86.3201% | 3,201 |
| Equity capital to assets | 12.0642% | 1,827 |
| Core capital (leverage) ratio | 9.7030% | 3,994 |
| Tier 1 risk-based capital ratio | 15.8913% | 3,224 |
| Total risk-based capital ratio | 17.1575% | 3,170 |
| Memoranda: | ||
| Average total assets | $502,973,000 | 1,341 |
| Average earning assets | $468,643,500 | 1,320 |
| Average equity | $60,269,500 | 1,207 |
| Average total loans | $292,696,500 | 1,467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 3,968 |
| Cost of funding earning assets | 1.1974% | 183 |
| Net interest margin | 2.8366% | 5,923 |
| Noninterest income to average assets | 0.1758% | 6,033 |
| Noninterest expense to average assets | 2.4738% | 4,849 |
| Loan and lease loss provision to assets | -0.5612% | 6,758 |
| Net operating income to assets | 3.9124% | 66 |
| Return on assets (ROA) | 3.9152% | 66 |
| Pretax return on assets | 0.9757% | 3,448 |
| Return on Equity (ROE) | 49.8984% | 15 |
| Retained earnings to average equity (ytd only) | 49.8984% | 5 |
| Net charge-offs to loans | 0.4511% | 1,466 |
| Credit loss provision to net charge-offs | -214.4389% | 5,998 |
| Earnings coverage of net charge-offs (x) | 1.5733% | 4,532 |
| Efficiency ratio | 85.7319% | 1,439 |
| Assets per employee ($millions) | 5.9376% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5846% | 266 |
| Loan loss allowance to noncurrent loans | 63.0502% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 4.1393% | 630 |
| Noncurrent loans to loans | 5.6853% | 388 |
| Net loans and leases to total assets | 57.9466% | 4,040 |
| Net loans and leases to deposits | 67.8259% | 4,080 |
| Net loans and leases to core deposits | 71.1838% | 4,166 |
| Total domestic deposits to total assets | 85.4343% | 3,539 |
| Equity capital to assets | 11.9017% | 1,863 |
| Core capital (leverage) ratio | 9.4346% | 4,361 |
| Tier 1 risk-based capital ratio | 15.3347% | 3,459 |
| Total risk-based capital ratio | 16.6124% | 3,398 |
| Memoranda: | ||
| Average total assets | $534,609,400 | 1,243 |
| Average earning assets | $510,673,200 | 1,190 |
| Average equity | $41,947,200 | 1,674 |
| Average total loans | $310,128,400 | 1,367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 4,254 |
| Cost of funding earning assets | 1.2276% | 173 |
| Net interest margin | 2.7391% | 6,103 |
| Noninterest income to average assets | 0.0605% | 6,601 |
| Noninterest expense to average assets | 2.4787% | 4,790 |
| Loan and lease loss provision to assets | -0.7379% | 6,859 |
| Net operating income to assets | 4.9329% | 39 |
| Return on assets (ROA) | 4.9366% | 39 |
| Pretax return on assets | 0.9504% | 3,689 |
| Return on Equity (ROE) | 71.5196% | 7 |
| Retained earnings to average equity (ytd only) | 71.5196% | 3 |
| Net charge-offs to loans | 0.6144% | 1,012 |
| Credit loss provision to net charge-offs | -208.7683% | 5,910 |
| Earnings coverage of net charge-offs (x) | 0.5908% | 4,660 |
| Efficiency ratio | 92.2303% | 838 |
| Assets per employee ($millions) | 6.3511% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5166% | 333 |
| Loan loss allowance to noncurrent loans | 52.1791% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 4.5757% | 652 |
| Noncurrent loans to loans | 6.7395% | 323 |
| Net loans and leases to total assets | 55.7220% | 4,358 |
| Net loans and leases to deposits | 64.8590% | 4,425 |
| Net loans and leases to core deposits | 68.0210% | 4,522 |
| Total domestic deposits to total assets | 85.9125% | 3,312 |
| Equity capital to assets | 10.8461% | 2,921 |
| Core capital (leverage) ratio | 8.7841% | 5,429 |
| Tier 1 risk-based capital ratio | 14.1613% | 4,312 |
| Total risk-based capital ratio | 15.4385% | 4,238 |
| Memoranda: | ||
| Average total assets | $542,088,250 | 1,239 |
| Average earning assets | $519,915,750 | 1,182 |
| Average equity | $37,417,250 | 1,869 |
| Average total loans | $311,829,000 | 1,363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 4,193 |
| Cost of funding earning assets | 1.2496% | 178 |
| Net interest margin | 2.7294% | 6,132 |
| Noninterest income to average assets | 0.0976% | 6,534 |
| Noninterest expense to average assets | 2.5052% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2028% | 5,879 |
| Return on assets (ROA) | 0.2077% | 6,003 |
| Pretax return on assets | 0.2319% | 6,027 |
| Return on Equity (ROE) | 3.6991% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.6991% | 3,954 |
| Net charge-offs to loans | 1.1933% | 486 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3303% | 4,432 |
| Efficiency ratio | 91.7103% | 911 |
| Assets per employee ($millions) | 6.4038% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3069% | 199 |
| Loan loss allowance to noncurrent loans | 58.8463% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 5.1162% | 593 |
| Noncurrent loans to loans | 7.3188% | 309 |
| Net loans and leases to total assets | 56.0326% | 4,286 |
| Net loans and leases to deposits | 62.0560% | 4,734 |
| Net loans and leases to core deposits | 65.1661% | 4,776 |
| Total domestic deposits to total assets | 90.2935% | 865 |
| Equity capital to assets | 7.4465% | 6,464 |
| Core capital (leverage) ratio | 7.5453% | 6,437 |
| Tier 1 risk-based capital ratio | 13.8033% | 4,561 |
| Total risk-based capital ratio | 15.0947% | 4,500 |
| Memoranda: | ||
| Average total assets | $544,953,330 | 1,233 |
| Average earning assets | $525,907,670 | 1,162 |
| Average equity | $30,602,000 | 2,247 |
| Average total loans | $313,069,330 | 1,355 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 4,183 |
| Cost of funding earning assets | 1.2865% | 168 |
| Net interest margin | 2.6988% | 6,213 |
| Noninterest income to average assets | 0.1291% | 6,446 |
| Noninterest expense to average assets | 2.4710% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2066% | 5,865 |
| Return on assets (ROA) | 0.2066% | 5,979 |
| Pretax return on assets | 0.2545% | 5,945 |
| Return on Equity (ROE) | 4.3656% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.3656% | 3,617 |
| Net charge-offs to loans | 1.4637% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3055% | 3,708 |
| Efficiency ratio | 90.6624% | 1,088 |
| Assets per employee ($millions) | 6.9181% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6119% | 179 |
| Loan loss allowance to noncurrent loans | 56.3635% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 5.5915% | 608 |
| Noncurrent loans to loans | 8.1824% | 314 |
| Net loans and leases to total assets | 52.7801% | 4,587 |
| Net loans and leases to deposits | 56.8291% | 5,154 |
| Net loans and leases to core deposits | 59.5900% | 5,185 |
| Total domestic deposits to total assets | 92.8752% | 135 |
| Equity capital to assets | 4.7390% | 6,906 |
| Core capital (leverage) ratio | 4.7893% | 6,892 |
| Tier 1 risk-based capital ratio | 9.2076% | 6,788 |
| Total risk-based capital ratio | 10.5030% | 6,785 |
| Memoranda: | ||
| Average total assets | $551,674,000 | 1,226 |
| Average earning assets | $530,757,000 | 1,161 |
| Average equity | $26,113,500 | 2,606 |
| Average total loans | $313,992,000 | 1,357 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 3,635 |
| Cost of funding earning assets | 1.4824% | 177 |
| Net interest margin | 2.9619% | 6,117 |
| Noninterest income to average assets | 0.3295% | 5,100 |
| Noninterest expense to average assets | 2.6515% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5407% | 4,515 |
| Return on assets (ROA) | 0.5788% | 4,600 |
| Pretax return on assets | 0.5788% | 5,056 |
| Return on Equity (ROE) | 13.7560% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.7560% | 214 |
| Net charge-offs to loans | 0.4790% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.7881% | 4,539 |
| Efficiency ratio | 83.0624% | 1,739 |
| Assets per employee ($millions) | 6.5465% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7465% | 156 |
| Loan loss allowance to noncurrent loans | 54.3043% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 5.7237% | 635 |
| Noncurrent loans to loans | 8.7406% | 310 |
| Net loans and leases to total assets | 55.7335% | 4,338 |
| Net loans and leases to deposits | 59.8503% | 5,043 |
| Net loans and leases to core deposits | 62.5732% | 5,101 |
| Total domestic deposits to total assets | 93.1215% | 118 |
| Equity capital to assets | 4.7279% | 6,965 |
| Core capital (leverage) ratio | 4.6289% | 6,954 |
| Tier 1 risk-based capital ratio | 8.8274% | 6,869 |
| Total risk-based capital ratio | 10.1258% | 6,867 |
| Memoranda: | ||
| Average total assets | $582,050,600 | 1,139 |
| Average earning assets | $562,547,800 | 1,077 |
| Average equity | $24,491,200 | 2,711 |
| Average total loans | $367,421,200 | 1,139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 4,005 |
| Cost of funding earning assets | 1.5118% | 192 |
| Net interest margin | 2.8985% | 6,362 |
| Noninterest income to average assets | 0.3812% | 4,768 |
| Noninterest expense to average assets | 2.7044% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4736% | 4,939 |
| Return on assets (ROA) | 0.5052% | 5,084 |
| Pretax return on assets | 0.5052% | 5,453 |
| Return on Equity (ROE) | 12.3631% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.3631% | 469 |
| Net charge-offs to loans | 0.6680% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.1043% | 4,748 |
| Efficiency ratio | 85.0978% | 1,468 |
| Assets per employee ($millions) | 6.6967% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4098% | 229 |
| Loan loss allowance to noncurrent loans | 56.6715% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 5.1375% | 858 |
| Noncurrent loans to loans | 7.7813% | 418 |
| Net loans and leases to total assets | 56.9591% | 4,302 |
| Net loans and leases to deposits | 61.0730% | 5,076 |
| Net loans and leases to core deposits | 63.8226% | 5,168 |
| Total domestic deposits to total assets | 93.2638% | 95 |
| Equity capital to assets | 4.4345% | 7,081 |
| Core capital (leverage) ratio | 4.3563% | 7,067 |
| Tier 1 risk-based capital ratio | 8.0725% | 6,989 |
| Total risk-based capital ratio | 9.3665% | 6,989 |
| Memoranda: | ||
| Average total assets | $590,087,500 | 1,136 |
| Average earning assets | $569,389,250 | 1,067 |
| Average equity | $24,114,250 | 2,766 |
| Average total loans | $378,838,500 | 1,115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 3,697 |
| Cost of funding earning assets | 1.5410% | 198 |
| Net interest margin | 2.9766% | 6,283 |
| Noninterest income to average assets | 0.4119% | 4,566 |
| Noninterest expense to average assets | 2.9021% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3786% | 5,308 |
| Return on assets (ROA) | 0.4257% | 5,358 |
| Pretax return on assets | 0.4257% | 5,644 |
| Return on Equity (ROE) | 10.7110% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.7110% | 803 |
| Net charge-offs to loans | 0.8318% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.6929% | 4,712 |
| Efficiency ratio | 88.4596% | 1,193 |
| Assets per employee ($millions) | 6.6090% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2862% | 279 |
| Loan loss allowance to noncurrent loans | 67.4962% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 4.3582% | 1,142 |
| Noncurrent loans to loans | 6.3503% | 671 |
| Net loans and leases to total assets | 57.8382% | 4,191 |
| Net loans and leases to deposits | 61.6405% | 5,047 |
| Net loans and leases to core deposits | 64.5158% | 5,155 |
| Total domestic deposits to total assets | 93.8315% | 86 |
| Equity capital to assets | 4.1025% | 7,136 |
| Core capital (leverage) ratio | 4.1180% | 7,126 |
| Tier 1 risk-based capital ratio | 7.4949% | 7,065 |
| Total risk-based capital ratio | 8.7878% | 7,064 |
| Memoranda: | ||
| Average total assets | $594,810,330 | 1,126 |
| Average earning assets | $573,265,000 | 1,055 |
| Average equity | $23,639,330 | 2,796 |
| Average total loans | $390,727,670 | 1,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 3,257 |
| Cost of funding earning assets | 1.5973% | 189 |
| Net interest margin | 3.0544% | 6,171 |
| Noninterest income to average assets | 0.7216% | 2,551 |
| Noninterest expense to average assets | 3.0733% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5777% | 4,452 |
| Return on assets (ROA) | 0.6718% | 4,237 |
| Pretax return on assets | 0.6718% | 4,881 |
| Return on Equity (ROE) | 17.1812% | 645 |
| Retained earnings to average equity (ytd only) | 17.1812% | 299 |
| Net charge-offs to loans | 1.0434% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8104% | 3,930 |
| Efficiency ratio | 84.1776% | 1,671 |
| Assets per employee ($millions) | 6.4074% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1203% | 336 |
| Loan loss allowance to noncurrent loans | 50.2549% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 6.0191% | 782 |
| Noncurrent loans to loans | 8.1988% | 461 |
| Net loans and leases to total assets | 62.3725% | 3,173 |
| Net loans and leases to deposits | 66.4320% | 4,312 |
| Net loans and leases to core deposits | 69.2599% | 4,529 |
| Total domestic deposits to total assets | 93.8891% | 93 |
| Equity capital to assets | 4.0508% | 7,183 |
| Core capital (leverage) ratio | 4.0216% | 7,175 |
| Tier 1 risk-based capital ratio | 6.9946% | 7,133 |
| Total risk-based capital ratio | 8.2864% | 7,131 |
| Memoranda: | ||
| Average total assets | $594,810,000 | 1,126 |
| Average earning assets | $570,463,500 | 1,067 |
| Average equity | $23,258,000 | 2,827 |
| Average total loans | $406,374,500 | 1,038 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 2,018 |
| Cost of funding earning assets | 1.9211% | 137 |
| Net interest margin | 3.2882% | 5,843 |
| Noninterest income to average assets | 0.1640% | 6,317 |
| Noninterest expense to average assets | 2.6841% | 4,804 |
| Loan and lease loss provision to assets | 3.6769% | 72 |
| Net operating income to assets | -2.8523% | 7,161 |
| Return on assets (ROA) | -2.8523% | 7,170 |
| Pretax return on assets | -3.0389% | 7,186 |
| Return on Equity (ROE) | -84.4899% | 7,293 |
| Retained earnings to average equity (ytd only) | -84.4899% | 7,293 |
| Net charge-offs to loans | 4.3743% | 116 |
| Credit loss provision to net charge-offs | 107.5466% | 3,144 |
| Earnings coverage of net charge-offs (x) | 0.1866% | 5,693 |
| Efficiency ratio | 80.7936% | 2,186 |
| Assets per employee ($millions) | 6.4536% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0068% | 382 |
| Loan loss allowance to noncurrent loans | 58.4764% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 5.6106% | 904 |
| Noncurrent loans to loans | 6.8519% | 655 |
| Net loans and leases to total assets | 68.7303% | 2,266 |
| Net loans and leases to deposits | 72.9999% | 3,664 |
| Net loans and leases to core deposits | 75.8444% | 4,004 |
| Total domestic deposits to total assets | 94.1512% | 85 |
| Equity capital to assets | 3.7690% | 7,234 |
| Core capital (leverage) ratio | 3.8066% | 7,225 |
| Tier 1 risk-based capital ratio | 5.8363% | 7,208 |
| Total risk-based capital ratio | 7.1259% | 7,207 |
| Memoranda: | ||
| Average total assets | $602,293,600 | 1,087 |
| Average earning assets | $578,469,400 | 1,022 |
| Average equity | $20,332,600 | 3,091 |
| Average total loans | $470,750,400 | 887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 2,117 |
| Cost of funding earning assets | 1.9978% | 122 |
| Net interest margin | 3.2261% | 6,091 |
| Noninterest income to average assets | 0.0602% | 6,918 |
| Noninterest expense to average assets | 2.6799% | 4,804 |
| Loan and lease loss provision to assets | 4.8851% | 35 |
| Net operating income to assets | -4.1543% | 7,340 |
| Return on assets (ROA) | -4.1543% | 7,341 |
| Pretax return on assets | -4.4022% | 7,358 |
| Return on Equity (ROE) | -126.6824% | 7,396 |
| Retained earnings to average equity (ytd only) | -126.6824% | 7,396 |
| Net charge-offs to loans | 5.5875% | 69 |
| Credit loss provision to net charge-offs | 109.6011% | 3,014 |
| Earnings coverage of net charge-offs (x) | 0.1083% | 5,518 |
| Efficiency ratio | 84.7329% | 1,660 |
| Assets per employee ($millions) | 6.6402% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8901% | 429 |
| Loan loss allowance to noncurrent loans | 58.1744% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 5.8880% | 919 |
| Noncurrent loans to loans | 6.6869% | 771 |
| Net loans and leases to total assets | 74.4919% | 1,236 |
| Net loans and leases to deposits | 76.8517% | 3,187 |
| Net loans and leases to core deposits | 79.9066% | 3,650 |
| Total domestic deposits to total assets | 96.9295% | 19 |
| Equity capital to assets | 1.1516% | 7,415 |
| Core capital (leverage) ratio | 1.0976% | 7,418 |
| Tier 1 risk-based capital ratio | 1.5917% | 7,418 |
| Total risk-based capital ratio | 2.8783% | 7,418 |
| Memoranda: | ||
| Average total assets | $604,434,000 | 1,086 |
| Average earning assets | $581,289,000 | 1,021 |
| Average equity | $19,821,250 | 3,177 |
| Average total loans | $482,161,250 | 882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 2,389 |
| Cost of funding earning assets | 2.0396% | 126 |
| Net interest margin | 3.1278% | 6,347 |
| Noninterest income to average assets | 0.2504% | 5,860 |
| Noninterest expense to average assets | 2.3817% | 5,902 |
| Loan and lease loss provision to assets | 1.2864% | 579 |
| Net operating income to assets | -0.3939% | 6,608 |
| Return on assets (ROA) | -0.3939% | 6,636 |
| Pretax return on assets | -0.4053% | 6,592 |
| Return on Equity (ROE) | -9.9791% | 6,939 |
| Retained earnings to average equity (ytd only) | -9.9791% | 6,880 |
| Net charge-offs to loans | 1.2888% | 1,202 |
| Credit loss provision to net charge-offs | 124.0176% | 2,456 |
| Earnings coverage of net charge-offs (x) | 0.8494% | 4,664 |
| Efficiency ratio | 72.9962% | 3,544 |
| Assets per employee ($millions) | 6.6538% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3513% | 668 |
| Loan loss allowance to noncurrent loans | 31.6435% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 9.2390% | 450 |
| Noncurrent loans to loans | 10.5908% | 343 |
| Net loans and leases to total assets | 78.2183% | 748 |
| Net loans and leases to deposits | 83.1729% | 2,238 |
| Net loans and leases to core deposits | 86.5063% | 2,827 |
| Total domestic deposits to total assets | 94.0430% | 79 |
| Equity capital to assets | 4.0311% | 7,386 |
| Core capital (leverage) ratio | 3.8310% | 7,385 |
| Tier 1 risk-based capital ratio | 5.4624% | 7,381 |
| Total risk-based capital ratio | 6.7426% | 7,383 |
| Memoranda: | ||
| Average total assets | $613,346,670 | 1,079 |
| Average earning assets | $590,704,670 | 1,014 |
| Average equity | $24,210,670 | 2,635 |
| Average total loans | $493,630,000 | 877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 1,839 |
| Cost of funding earning assets | 2.0658% | 139 |
| Net interest margin | 3.2444% | 5,938 |
| Noninterest income to average assets | 0.0960% | 6,937 |
| Noninterest expense to average assets | 2.4383% | 5,772 |
| Loan and lease loss provision to assets | 2.2204% | 242 |
| Net operating income to assets | -1.2491% | 7,118 |
| Return on assets (ROA) | -1.2491% | 7,125 |
| Pretax return on assets | -1.4399% | 7,138 |
| Return on Equity (ROE) | -31.9723% | 7,334 |
| Retained earnings to average equity (ytd only) | -31.9723% | 7,309 |
| Net charge-offs to loans | 0.3782% | 2,555 |
| Credit loss provision to net charge-offs | 731.4225% | 528 |
| Earnings coverage of net charge-offs (x) | 2.5711% | 3,050 |
| Efficiency ratio | 75.7509% | 3,196 |
| Assets per employee ($millions) | 7.2804% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7186% | 520 |
| Loan loss allowance to noncurrent loans | 30.7098% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 10.4592% | 378 |
| Noncurrent loans to loans | 12.1088% | 267 |
| Net loans and leases to total assets | 77.2027% | 848 |
| Net loans and leases to deposits | 81.6809% | 2,417 |
| Net loans and leases to core deposits | 85.1130% | 3,018 |
| Total domestic deposits to total assets | 94.5174% | 62 |
| Equity capital to assets | 3.7454% | 7,454 |
| Core capital (leverage) ratio | 3.7634% | 7,453 |
| Tier 1 risk-based capital ratio | 5.1728% | 7,450 |
| Total risk-based capital ratio | 6.4580% | 7,449 |
| Memoranda: | ||
| Average total assets | $620,598,500 | 1,074 |
| Average earning assets | $597,336,000 | 1,006 |
| Average equity | $24,246,000 | 2,621 |
| Average total loans | $498,121,500 | 884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9085% | 1,026 |
| Cost of funding earning assets | 2.5040% | 102 |
| Net interest margin | 3.4046% | 5,615 |
| Noninterest income to average assets | 0.1224% | 6,792 |
| Noninterest expense to average assets | 2.2681% | 6,436 |
| Loan and lease loss provision to assets | 3.5960% | 205 |
| Net operating income to assets | -3.0707% | 7,307 |
| Return on assets (ROA) | -3.0707% | 7,326 |
| Pretax return on assets | -2.4951% | 7,162 |
| Return on Equity (ROE) | -60.4214% | 7,486 |
| Retained earnings to average equity (ytd only) | -60.4214% | 7,484 |
| Net charge-offs to loans | 3.6942% | 370 |
| Credit loss provision to net charge-offs | 115.4113% | 3,747 |
| Earnings coverage of net charge-offs (x) | 0.3533% | 5,752 |
| Efficiency ratio | 67.3209% | 4,702 |
| Assets per employee ($millions) | 7.1536% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0954% | 806 |
| Loan loss allowance to noncurrent loans | 28.8747% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 9.4071% | 463 |
| Noncurrent loans to loans | 10.7201% | 371 |
| Net loans and leases to total assets | 77.8575% | 969 |
| Net loans and leases to deposits | 82.7304% | 2,676 |
| Net loans and leases to core deposits | 86.1820% | 3,298 |
| Total domestic deposits to total assets | 94.1100% | 85 |
| Equity capital to assets | 4.0674% | 7,506 |
| Core capital (leverage) ratio | 4.0096% | 7,499 |
| Tier 1 risk-based capital ratio | 5.5306% | 7,505 |
| Total risk-based capital ratio | 6.8070% | 7,508 |
| Memoranda: | ||
| Average total assets | $647,240,000 | 1,030 |
| Average earning assets | $617,224,400 | 978 |
| Average equity | $32,894,000 | 2,001 |
| Average total loans | $545,905,800 | 828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8802% | 1,183 |
| Cost of funding earning assets | 2.6010% | 97 |
| Net interest margin | 3.2791% | 6,083 |
| Noninterest income to average assets | 0.0771% | 7,150 |
| Noninterest expense to average assets | 2.2915% | 6,353 |
| Loan and lease loss provision to assets | 4.7490% | 106 |
| Net operating income to assets | -4.3813% | 7,600 |
| Return on assets (ROA) | -4.3813% | 7,610 |
| Pretax return on assets | -3.8416% | 7,549 |
| Return on Equity (ROE) | -82.2960% | 7,662 |
| Retained earnings to average equity (ytd only) | -82.2960% | 7,662 |
| Net charge-offs to loans | 4.8447% | 188 |
| Credit loss provision to net charge-offs | 114.9212% | 3,636 |
| Earnings coverage of net charge-offs (x) | 0.2196% | 5,792 |
| Efficiency ratio | 71.6354% | 3,770 |
| Assets per employee ($millions) | 7.2820% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9241% | 882 |
| Loan loss allowance to noncurrent loans | 25.6000% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 10.7110% | 345 |
| Noncurrent loans to loans | 11.4224% | 325 |
| Net loans and leases to total assets | 81.5994% | 548 |
| Net loans and leases to deposits | 86.4993% | 2,239 |
| Net loans and leases to core deposits | 89.7669% | 3,132 |
| Total domestic deposits to total assets | 94.3353% | 62 |
| Equity capital to assets | 3.8093% | 7,651 |
| Core capital (leverage) ratio | 3.7840% | 7,635 |
| Tier 1 risk-based capital ratio | 4.8925% | 7,643 |
| Total risk-based capital ratio | 6.1664% | 7,645 |
| Memoranda: | ||
| Average total assets | $653,459,750 | 1,027 |
| Average earning assets | $622,097,000 | 978 |
| Average equity | $34,789,000 | 1,927 |
| Average total loans | $557,374,000 | 811 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9019% | 1,180 |
| Cost of funding earning assets | 2.7083% | 86 |
| Net interest margin | 3.1936% | 6,337 |
| Noninterest income to average assets | 0.3233% | 5,569 |
| Noninterest expense to average assets | 2.1490% | 6,768 |
| Loan and lease loss provision to assets | 5.5167% | 86 |
| Net operating income to assets | -2.9022% | 7,493 |
| Return on assets (ROA) | -2.9022% | 7,502 |
| Pretax return on assets | -4.3014% | 7,633 |
| Return on Equity (ROE) | -50.0295% | 7,609 |
| Retained earnings to average equity (ytd only) | -50.0295% | 7,604 |
| Net charge-offs to loans | 0.8128% | 2,218 |
| Credit loss provision to net charge-offs | 792.1543% | 468 |
| Earnings coverage of net charge-offs (x) | 1.7451% | 4,208 |
| Efficiency ratio | 63.8762% | 5,364 |
| Assets per employee ($millions) | 7.5558% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1058% | 164 |
| Loan loss allowance to noncurrent loans | 44.4999% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 10.6816% | 350 |
| Noncurrent loans to loans | 11.4737% | 331 |
| Net loans and leases to total assets | 81.0520% | 665 |
| Net loans and leases to deposits | 87.3224% | 2,289 |
| Net loans and leases to core deposits | 90.6652% | 3,169 |
| Total domestic deposits to total assets | 92.8193% | 124 |
| Equity capital to assets | 5.4846% | 7,597 |
| Core capital (leverage) ratio | 4.0912% | 7,674 |
| Tier 1 risk-based capital ratio | 5.2441% | 7,687 |
| Total risk-based capital ratio | 6.5350% | 7,687 |
| Memoranda: | ||
| Average total assets | $662,529,000 | 1,023 |
| Average earning assets | $630,880,670 | 973 |
| Average equity | $38,433,330 | 1,733 |
| Average total loans | $567,695,000 | 806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1964% | 647 |
| Cost of funding earning assets | 2.6930% | 124 |
| Net interest margin | 3.5034% | 5,140 |
| Noninterest income to average assets | -0.0263% | 7,709 |
| Noninterest expense to average assets | 2.0003% | 7,158 |
| Loan and lease loss provision to assets | 10.9285% | 22 |
| Net operating income to assets | -6.5254% | 7,833 |
| Return on assets (ROA) | -6.5254% | 7,838 |
| Pretax return on assets | -9.6021% | 7,890 |
| Return on Equity (ROE) | -109.5844% | 7,840 |
| Retained earnings to average equity (ytd only) | -109.5844% | 7,837 |
| Net charge-offs to loans | 0.5979% | 2,311 |
| Credit loss provision to net charge-offs | 2,129.9534% | 242 |
| Earnings coverage of net charge-offs (x) | 2.5851% | 3,243 |
| Efficiency ratio | 60.1294% | 6,148 |
| Assets per employee ($millions) | 7.7928% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2294% | 148 |
| Loan loss allowance to noncurrent loans | 42.8220% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 11.1787% | 321 |
| Noncurrent loans to loans | 12.2119% | 280 |
| Net loans and leases to total assets | 82.4668% | 536 |
| Net loans and leases to deposits | 89.3077% | 2,014 |
| Net loans and leases to core deposits | 94.1986% | 2,818 |
| Total domestic deposits to total assets | 92.3401% | 184 |
| Equity capital to assets | 5.2514% | 7,699 |
| Core capital (leverage) ratio | 3.8376% | 7,790 |
| Tier 1 risk-based capital ratio | 4.8079% | 7,812 |
| Total risk-based capital ratio | 6.1006% | 7,813 |
| Memoranda: | ||
| Average total assets | $668,893,000 | 1,033 |
| Average earning assets | $640,179,000 | 978 |
| Average equity | $39,830,500 | 1,687 |
| Average total loans | $574,035,000 | 813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1131% | 1,481 |
| Cost of funding earning assets | 3.3228% | 87 |
| Net interest margin | 2.7904% | 7,077 |
| Noninterest income to average assets | 0.3260% | 5,749 |
| Noninterest expense to average assets | 1.8602% | 7,555 |
| Loan and lease loss provision to assets | 2.0033% | 1,082 |
| Net operating income to assets | -0.6589% | 6,320 |
| Return on assets (ROA) | -0.6589% | 6,324 |
| Pretax return on assets | -0.8500% | 6,306 |
| Return on Equity (ROE) | -9.7879% | 6,609 |
| Retained earnings to average equity (ytd only) | -9.7879% | 6,504 |
| Net charge-offs to loans | 2.2403% | 1,056 |
| Credit loss provision to net charge-offs | 106.6183% | 5,197 |
| Earnings coverage of net charge-offs (x) | 0.6138% | 5,487 |
| Efficiency ratio | 61.7289% | 6,199 |
| Assets per employee ($millions) | 8.5399% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1383% | 1,754 |
| Loan loss allowance to noncurrent loans | 19.5458% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 9.7419% | 388 |
| Noncurrent loans to loans | 10.9397% | 346 |
| Net loans and leases to total assets | 82.8598% | 563 |
| Net loans and leases to deposits | 91.0038% | 2,045 |
| Net loans and leases to core deposits | 136.8985% | 918 |
| Total domestic deposits to total assets | 91.0509% | 517 |
| Equity capital to assets | 6.6286% | 7,524 |
| Core capital (leverage) ratio | 6.4235% | 7,520 |
| Tier 1 risk-based capital ratio | 8.3080% | 7,614 |
| Total risk-based capital ratio | 9.5709% | 7,630 |
| Memoranda: | ||
| Average total assets | $703,648,800 | 975 |
| Average earning assets | $677,691,400 | 913 |
| Average equity | $47,364,400 | 1,417 |
| Average total loans | $590,144,000 | 806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1454% | 1,506 |
| Cost of funding earning assets | 3.4263% | 94 |
| Net interest margin | 2.7191% | 7,182 |
| Noninterest income to average assets | 0.3253% | 5,882 |
| Noninterest expense to average assets | 1.8443% | 7,617 |
| Loan and lease loss provision to assets | 2.3413% | 723 |
| Net operating income to assets | -0.9193% | 6,774 |
| Return on assets (ROA) | -0.9193% | 6,778 |
| Pretax return on assets | -1.2408% | 6,832 |
| Return on Equity (ROE) | -13.6076% | 7,111 |
| Retained earnings to average equity (ytd only) | -13.6076% | 7,048 |
| Net charge-offs to loans | 2.9730% | 565 |
| Credit loss provision to net charge-offs | 94.1168% | 5,368 |
| Earnings coverage of net charge-offs (x) | 0.4424% | 5,588 |
| Efficiency ratio | 62.6294% | 5,995 |
| Assets per employee ($millions) | 8.4759% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,205 |
| Loan loss allowance to noncurrent loans | 18.2520% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 8.6483% | 463 |
| Noncurrent loans to loans | 10.0007% | 395 |
| Net loans and leases to total assets | 80.9594% | 988 |
| Net loans and leases to deposits | 90.6354% | 2,458 |
| Net loans and leases to core deposits | 135.2904% | 1,138 |
| Total domestic deposits to total assets | 89.3242% | 1,050 |
| Equity capital to assets | 6.3256% | 7,800 |
| Core capital (leverage) ratio | 6.3118% | 7,729 |
| Tier 1 risk-based capital ratio | 8.0900% | 7,781 |
| Total risk-based capital ratio | 9.3487% | 7,795 |
| Memoranda: | ||
| Average total assets | $708,762,500 | 971 |
| Average earning assets | $682,817,250 | 919 |
| Average equity | $47,884,000 | 1,428 |
| Average total loans | $593,064,500 | 819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4026% | 1,005 |
| Cost of funding earning assets | 3.5144% | 107 |
| Net interest margin | 2.8882% | 6,827 |
| Noninterest income to average assets | 0.3493% | 5,711 |
| Noninterest expense to average assets | 1.5713% | 7,929 |
| Loan and lease loss provision to assets | 1.1912% | 1,446 |
| Net operating income to assets | 0.1549% | 5,406 |
| Return on assets (ROA) | 0.1549% | 5,501 |
| Pretax return on assets | 0.3713% | 5,015 |
| Return on Equity (ROE) | 2.2444% | 5,199 |
| Retained earnings to average equity (ytd only) | 2.2444% | 4,088 |
| Net charge-offs to loans | 1.5337% | 1,238 |
| Credit loss provision to net charge-offs | 92.3734% | 4,852 |
| Earnings coverage of net charge-offs (x) | 1.2117% | 4,625 |
| Efficiency ratio | 50.1398% | 7,658 |
| Assets per employee ($millions) | 8.2229% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 1,909 |
| Loan loss allowance to noncurrent loans | 16.1042% | 7,328 |
| Noncurrent assets plus other real estate owned to assets | 10.0027% | 293 |
| Noncurrent loans to loans | 11.4890% | 251 |
| Net loans and leases to total assets | 82.6577% | 835 |
| Net loans and leases to deposits | 91.2729% | 2,608 |
| Net loans and leases to core deposits | 134.5612% | 1,287 |
| Total domestic deposits to total assets | 90.5611% | 607 |
| Equity capital to assets | 7.0549% | 7,578 |
| Core capital (leverage) ratio | 7.0041% | 7,535 |
| Tier 1 risk-based capital ratio | 8.8751% | 7,756 |
| Total risk-based capital ratio | 10.1310% | 7,792 |
| Memoranda: | ||
| Average total assets | $707,690,670 | 989 |
| Average earning assets | $682,282,000 | 935 |
| Average equity | $48,833,000 | 1,411 |
| Average total loans | $595,042,670 | 837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2993% | 1,303 |
| Cost of funding earning assets | 3.6148% | 106 |
| Net interest margin | 2.6845% | 7,239 |
| Noninterest income to average assets | 0.3506% | 5,642 |
| Noninterest expense to average assets | 1.5492% | 7,947 |
| Loan and lease loss provision to assets | 0.8326% | 1,556 |
| Net operating income to assets | 0.2898% | 5,337 |
| Return on assets (ROA) | 0.2898% | 5,508 |
| Pretax return on assets | 0.5598% | 4,881 |
| Return on Equity (ROE) | 4.2487% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.2487% | 3,545 |
| Net charge-offs to loans | 2.7964% | 468 |
| Credit loss provision to net charge-offs | 35.4378% | 4,882 |
| Earnings coverage of net charge-offs (x) | 0.5926% | 4,520 |
| Efficiency ratio | 52.6662% | 7,348 |
| Assets per employee ($millions) | 8.2986% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 3,066 |
| Loan loss allowance to noncurrent loans | 24.8075% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 5.1652% | 858 |
| Noncurrent loans to loans | 5.9886% | 807 |
| Net loans and leases to total assets | 82.9720% | 849 |
| Net loans and leases to deposits | 91.6833% | 2,652 |
| Net loans and leases to core deposits | 134.6340% | 1,381 |
| Total domestic deposits to total assets | 90.4984% | 591 |
| Equity capital to assets | 7.1495% | 7,598 |
| Core capital (leverage) ratio | 7.0542% | 7,601 |
| Tier 1 risk-based capital ratio | 8.9618% | 7,812 |
| Total risk-based capital ratio | 10.2160% | 7,845 |
| Memoranda: | ||
| Average total assets | $703,841,000 | 998 |
| Average earning assets | $679,314,500 | 938 |
| Average equity | $48,014,500 | 1,433 |
| Average total loans | $591,328,000 | 840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5604% | 2,669 |
| Cost of funding earning assets | 3.9182% | 132 |
| Net interest margin | 2.6422% | 7,590 |
| Noninterest income to average assets | 0.2127% | 6,918 |
| Noninterest expense to average assets | 1.5915% | 7,972 |
| Loan and lease loss provision to assets | 1.7186% | 752 |
| Net operating income to assets | -0.4356% | 6,861 |
| Return on assets (ROA) | -0.4356% | 6,738 |
| Pretax return on assets | -0.5488% | 6,685 |
| Return on Equity (ROE) | -7.1049% | 7,057 |
| Retained earnings to average equity (ytd only) | -7.1049% | 6,793 |
| Net charge-offs to loans | 0.5371% | 2,219 |
| Credit loss provision to net charge-offs | 387.7069% | 1,143 |
| Earnings coverage of net charge-offs (x) | 2.6390% | 4,769 |
| Efficiency ratio | 57.6362% | 6,761 |
| Assets per employee ($millions) | 7.9807% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 1,313 |
| Loan loss allowance to noncurrent loans | 33.1039% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 5.0517% | 682 |
| Noncurrent loans to loans | 5.8998% | 622 |
| Net loans and leases to total assets | 82.1680% | 1,198 |
| Net loans and leases to deposits | 90.5439% | 3,354 |
| Net loans and leases to core deposits | 131.7404% | 1,741 |
| Total domestic deposits to total assets | 90.7493% | 406 |
| Equity capital to assets | 6.4926% | 7,942 |
| Core capital (leverage) ratio | 6.3850% | 7,969 |
| Tier 1 risk-based capital ratio | 8.1744% | 8,052 |
| Total risk-based capital ratio | 9.4347% | 8,092 |
| Memoranda: | ||
| Average total assets | $667,990,400 | 998 |
| Average earning assets | $644,321,800 | 940 |
| Average equity | $40,957,600 | 1,633 |
| Average total loans | $551,295,600 | 867 |