Home > First National Bank in Howell > Performance and Condition Ratios
First National Bank in Howell, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 2,251 |
| Cost of funding earning assets | 0.1089% | 4,430 |
| Net interest margin | 3.6006% | 1,597 |
| Noninterest income to average assets | 0.7285% | 1,736 |
| Noninterest expense to average assets | 2.6344% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2018% | 2,166 |
| Return on assets (ROA) | 1.2023% | 2,222 |
| Pretax return on assets | 1.5050% | 1,979 |
| Return on Equity (ROE) | 12.0899% | 2,012 |
| Retained earnings to average equity (ytd only) | 12.0899% | 822 |
| Net charge-offs to loans | 0.0158% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 143.4082% | 695 |
| Efficiency ratio | 63.6528% | 2,441 |
| Assets per employee ($millions) | 7.2997% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 1,098 |
| Loan loss allowance to noncurrent loans | 143.4709% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 895 |
| Noncurrent loans to loans | 1.1904% | 938 |
| Net loans and leases to total assets | 65.6783% | 1,580 |
| Net loans and leases to deposits | 73.4958% | 1,903 |
| Net loans and leases to core deposits | 74.3456% | 2,202 |
| Total domestic deposits to total assets | 89.3633% | 1,091 |
| Equity capital to assets | 9.7974% | 3,104 |
| Core capital (leverage) ratio | 9.7727% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9696% | 1,982 |
| Memoranda: | ||
| Average total assets | $622,809,250 | 1,424 |
| Average earning assets | $589,880,000 | 1,411 |
| Average equity | $61,934,500 | 1,493 |
| Average total loans | $414,055,750 | 1,365 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 2,918 |
| Cost of funding earning assets | 0.1201% | 4,441 |
| Net interest margin | 3.3706% | 2,237 |
| Noninterest income to average assets | 0.7232% | 1,737 |
| Noninterest expense to average assets | 2.7035% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9747% | 2,978 |
| Return on assets (ROA) | 0.9747% | 3,062 |
| Pretax return on assets | 1.2174% | 2,863 |
| Return on Equity (ROE) | 9.7495% | 2,856 |
| Retained earnings to average equity (ytd only) | 9.7495% | 1,482 |
| Net charge-offs to loans | -0.0010% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9505% | 1,768 |
| Assets per employee ($millions) | 6.8426% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 879 |
| Loan loss allowance to noncurrent loans | 425.8929% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 2,531 |
| Noncurrent loans to loans | 0.4235% | 2,415 |
| Net loans and leases to total assets | 64.6017% | 1,880 |
| Net loans and leases to deposits | 71.8086% | 2,225 |
| Net loans and leases to core deposits | 72.7094% | 2,547 |
| Total domestic deposits to total assets | 89.9637% | 798 |
| Equity capital to assets | 9.6929% | 3,154 |
| Core capital (leverage) ratio | 9.7912% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6189% | 1,752 |
| Memoranda: | ||
| Average total assets | $608,987,000 | 1,443 |
| Average earning assets | $577,766,000 | 1,424 |
| Average equity | $60,885,333 | 1,508 |
| Average total loans | $404,119,000 | 1,395 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 2,653 |
| Cost of funding earning assets | 0.1263% | 4,488 |
| Net interest margin | 3.4685% | 1,910 |
| Noninterest income to average assets | 0.8117% | 1,553 |
| Noninterest expense to average assets | 2.7675% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0651% | 2,590 |
| Return on assets (ROA) | 1.0651% | 2,667 |
| Pretax return on assets | 1.3300% | 2,487 |
| Return on Equity (ROE) | 10.4795% | 2,541 |
| Retained earnings to average equity (ytd only) | 10.4795% | 1,524 |
| Net charge-offs to loans | 0.0466% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 42.7826% | 963 |
| Efficiency ratio | 67.5408% | 2,003 |
| Assets per employee ($millions) | 6.7353% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 756 |
| Loan loss allowance to noncurrent loans | 469.3069% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,865 |
| Noncurrent loans to loans | 0.4021% | 2,661 |
| Net loans and leases to total assets | 62.2840% | 2,258 |
| Net loans and leases to deposits | 69.7891% | 2,529 |
| Net loans and leases to core deposits | 70.6837% | 2,814 |
| Total domestic deposits to total assets | 89.2460% | 1,206 |
| Equity capital to assets | 9.6015% | 3,102 |
| Core capital (leverage) ratio | 10.3635% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2384% | 1,497 |
| Memoranda: | ||
| Average total assets | $591,877,500 | 1,463 |
| Average earning assets | $560,698,500 | 1,447 |
| Average equity | $60,155,500 | 1,516 |
| Average total loans | $394,601,500 | 1,433 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,385 |
| Cost of funding earning assets | 0.2020% | 4,581 |
| Net interest margin | 4.2686% | 544 |
| Noninterest income to average assets | 1.0573% | 949 |
| Noninterest expense to average assets | 3.1141% | 1,200 |
| Loan and lease loss provision to assets | 0.3047% | 1,234 |
| Net operating income to assets | 1.3230% | 1,191 |
| Return on assets (ROA) | 1.3465% | 1,229 |
| Pretax return on assets | 1.6906% | 870 |
| Return on Equity (ROE) | 11.8616% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.8616% | 332 |
| Net charge-offs to loans | -0.0569% | 4,693 |
| Credit loss provision to net charge-offs | -684.9315% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3019% | 3,261 |
| Assets per employee ($millions) | 5.8578% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 632 |
| Loan loss allowance to noncurrent loans | 455.5224% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 2,780 |
| Noncurrent loans to loans | 0.4325% | 2,678 |
| Net loans and leases to total assets | 68.9489% | 1,700 |
| Net loans and leases to deposits | 77.8199% | 2,092 |
| Net loans and leases to core deposits | 79.1585% | 2,436 |
| Total domestic deposits to total assets | 88.6006% | 1,165 |
| Equity capital to assets | 10.8097% | 2,421 |
| Core capital (leverage) ratio | 10.9959% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0438% | 1,515 |
| Memoranda: | ||
| Average total assets | $492,308,600 | 1,572 |
| Average earning assets | $463,943,600 | 1,555 |
| Average equity | $55,886,000 | 1,532 |
| Average total loans | $384,709,800 | 1,411 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 1,404 |
| Cost of funding earning assets | 0.2208% | 4,604 |
| Net interest margin | 4.3465% | 534 |
| Noninterest income to average assets | 1.0854% | 879 |
| Noninterest expense to average assets | 3.2149% | 1,051 |
| Loan and lease loss provision to assets | 0.2790% | 1,439 |
| Net operating income to assets | 1.3413% | 1,258 |
| Return on assets (ROA) | 1.3737% | 1,264 |
| Pretax return on assets | 1.7253% | 916 |
| Return on Equity (ROE) | 11.9368% | 1,387 |
| Retained earnings to average equity (ytd only) | 11.9368% | 431 |
| Net charge-offs to loans | -0.0424% | 4,627 |
| Credit loss provision to net charge-offs | -819.6721% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0770% | 3,063 |
| Assets per employee ($millions) | 5.7547% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 800 |
| Loan loss allowance to noncurrent loans | 399.1487% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 2,838 |
| Noncurrent loans to loans | 0.4396% | 2,734 |
| Net loans and leases to total assets | 72.7985% | 1,538 |
| Net loans and leases to deposits | 82.1461% | 2,083 |
| Net loans and leases to core deposits | 83.7270% | 2,504 |
| Total domestic deposits to total assets | 88.6208% | 931 |
| Equity capital to assets | 10.6678% | 2,653 |
| Core capital (leverage) ratio | 10.7689% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2661% | 1,430 |
| Memoranda: | ||
| Average total assets | $477,727,250 | 1,594 |
| Average earning assets | $449,911,250 | 1,570 |
| Average equity | $54,977,000 | 1,550 |
| Average total loans | $384,065,750 | 1,403 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 1,472 |
| Cost of funding earning assets | 0.2391% | 4,655 |
| Net interest margin | 4.4322% | 579 |
| Noninterest income to average assets | 1.0248% | 939 |
| Noninterest expense to average assets | 3.3032% | 993 |
| Loan and lease loss provision to assets | 0.2190% | 1,904 |
| Net operating income to assets | 1.3285% | 1,282 |
| Return on assets (ROA) | 1.3292% | 1,382 |
| Pretax return on assets | 1.6687% | 1,057 |
| Return on Equity (ROE) | 11.2268% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.2268% | 575 |
| Net charge-offs to loans | -0.0671% | 4,755 |
| Credit loss provision to net charge-offs | -393.7008% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6456% | 2,867 |
| Assets per employee ($millions) | 5.4721% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 1,029 |
| Loan loss allowance to noncurrent loans | 373.3866% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,920 |
| Noncurrent loans to loans | 0.4260% | 2,884 |
| Net loans and leases to total assets | 79.4746% | 658 |
| Net loans and leases to deposits | 89.7894% | 1,373 |
| Net loans and leases to core deposits | 91.4106% | 1,952 |
| Total domestic deposits to total assets | 88.5122% | 939 |
| Equity capital to assets | 10.9728% | 2,368 |
| Core capital (leverage) ratio | 11.4219% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3116% | 1,694 |
| Memoranda: | ||
| Average total assets | $456,654,667 | 1,635 |
| Average earning assets | $429,127,667 | 1,620 |
| Average equity | $54,067,000 | 1,556 |
| Average total loans | $378,476,667 | 1,403 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 1,485 |
| Cost of funding earning assets | 0.2607% | 4,747 |
| Net interest margin | 4.5157% | 486 |
| Noninterest income to average assets | 0.9179% | 1,032 |
| Noninterest expense to average assets | 3.5017% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3128% | 1,211 |
| Return on assets (ROA) | 1.3128% | 1,309 |
| Pretax return on assets | 1.6482% | 953 |
| Return on Equity (ROE) | 10.6281% | 1,526 |
| Retained earnings to average equity (ytd only) | 10.6281% | 627 |
| Net charge-offs to loans | 0.0055% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 354.8000% | 197 |
| Efficiency ratio | 67.9957% | 2,666 |
| Assets per employee ($millions) | 4.5739% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 1,013 |
| Loan loss allowance to noncurrent loans | 359.6833% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 2,913 |
| Noncurrent loans to loans | 0.4512% | 2,897 |
| Net loans and leases to total assets | 83.2772% | 326 |
| Net loans and leases to deposits | 95.5735% | 954 |
| Net loans and leases to core deposits | 97.9871% | 1,626 |
| Total domestic deposits to total assets | 87.1342% | 1,501 |
| Equity capital to assets | 12.5420% | 1,705 |
| Core capital (leverage) ratio | 12.4668% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4050% | 2,110 |
| Memoranda: | ||
| Average total assets | $430,529,500 | 1,674 |
| Average earning assets | $403,479,500 | 1,658 |
| Average equity | $53,180,000 | 1,567 |
| Average total loans | $362,221,000 | 1,414 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 1,827 |
| Cost of funding earning assets | 0.2675% | 4,808 |
| Net interest margin | 4.6078% | 563 |
| Noninterest income to average assets | 0.8927% | 1,188 |
| Noninterest expense to average assets | 3.4814% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3498% | 1,505 |
| Return on assets (ROA) | 1.4279% | 1,312 |
| Pretax return on assets | 1.7951% | 950 |
| Return on Equity (ROE) | 12.2305% | 1,426 |
| Retained earnings to average equity (ytd only) | 12.2305% | 224 |
| Net charge-offs to loans | -0.0745% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2226% | 2,575 |
| Assets per employee ($millions) | 4.3547% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 901 |
| Loan loss allowance to noncurrent loans | 437.8519% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 3,168 |
| Noncurrent loans to loans | 0.3745% | 3,100 |
| Net loans and leases to total assets | 82.2471% | 526 |
| Net loans and leases to deposits | 94.2142% | 1,136 |
| Net loans and leases to core deposits | 96.3674% | 1,871 |
| Total domestic deposits to total assets | 87.2980% | 1,454 |
| Equity capital to assets | 12.1629% | 2,038 |
| Core capital (leverage) ratio | 12.2835% | 1,606 |
| Tier 1 risk-based capital ratio | 12.8735% | 3,858 |
| Total risk-based capital ratio | 14.1267% | 3,737 |
| Memoranda: | ||
| Average total assets | $419,088,000 | 1,674 |
| Average earning assets | $389,838,400 | 1,665 |
| Average equity | $48,927,000 | 1,633 |
| Average total loans | $343,719,000 | 1,446 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 2,042 |
| Cost of funding earning assets | 0.2583% | 4,905 |
| Net interest margin | 4.5686% | 662 |
| Noninterest income to average assets | 0.8114% | 1,386 |
| Noninterest expense to average assets | 3.4864% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2510% | 2,014 |
| Return on assets (ROA) | 1.3792% | 1,607 |
| Pretax return on assets | 1.7310% | 1,246 |
| Return on Equity (ROE) | 11.9429% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.9429% | 391 |
| Net charge-offs to loans | -0.1598% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9393% | 2,267 |
| Assets per employee ($millions) | 4.4424% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 836 |
| Loan loss allowance to noncurrent loans | 349.1935% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 2,895 |
| Noncurrent loans to loans | 0.4848% | 2,847 |
| Net loans and leases to total assets | 81.6939% | 603 |
| Net loans and leases to deposits | 96.9293% | 913 |
| Net loans and leases to core deposits | 98.7173% | 1,771 |
| Total domestic deposits to total assets | 84.2819% | 2,721 |
| Equity capital to assets | 11.7806% | 2,431 |
| Core capital (leverage) ratio | 11.7739% | 2,026 |
| Tier 1 risk-based capital ratio | 12.2553% | 4,280 |
| Total risk-based capital ratio | 13.5088% | 4,160 |
| Memoranda: | ||
| Average total assets | $416,081,750 | 1,694 |
| Average earning assets | $386,690,250 | 1,691 |
| Average equity | $48,049,750 | 1,659 |
| Average total loans | $339,526,500 | 1,469 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 2,196 |
| Cost of funding earning assets | 0.2375% | 4,989 |
| Net interest margin | 4.5207% | 734 |
| Noninterest income to average assets | 0.7535% | 1,508 |
| Noninterest expense to average assets | 3.5302% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1300% | 2,403 |
| Return on assets (ROA) | 1.3032% | 1,819 |
| Pretax return on assets | 1.6350% | 1,441 |
| Return on Equity (ROE) | 11.3649% | 1,843 |
| Retained earnings to average equity (ytd only) | 11.3649% | 499 |
| Net charge-offs to loans | -0.0918% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3359% | 2,013 |
| Assets per employee ($millions) | 4.0330% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 807 |
| Loan loss allowance to noncurrent loans | 321.7729% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 2,777 |
| Noncurrent loans to loans | 0.5297% | 2,687 |
| Net loans and leases to total assets | 80.6322% | 790 |
| Net loans and leases to deposits | 91.8748% | 1,503 |
| Net loans and leases to core deposits | 97.3567% | 1,944 |
| Total domestic deposits to total assets | 87.7631% | 1,214 |
| Equity capital to assets | 11.7973% | 2,347 |
| Core capital (leverage) ratio | 11.8509% | 1,915 |
| Tier 1 risk-based capital ratio | 12.2443% | 4,270 |
| Total risk-based capital ratio | 13.4979% | 4,137 |
| Memoranda: | ||
| Average total assets | $411,138,670 | 1,717 |
| Average earning assets | $381,533,670 | 1,721 |
| Average equity | $47,145,000 | 1,678 |
| Average total loans | $333,338,670 | 1,498 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 2,389 |
| Cost of funding earning assets | 0.2121% | 5,091 |
| Net interest margin | 4.4349% | 835 |
| Noninterest income to average assets | 0.7442% | 1,445 |
| Noninterest expense to average assets | 3.5862% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0136% | 2,794 |
| Return on assets (ROA) | 1.1051% | 2,495 |
| Pretax return on assets | 1.3829% | 2,144 |
| Return on Equity (ROE) | 9.7805% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.7805% | 1,089 |
| Net charge-offs to loans | 0.0728% | 1,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 21.6167% | 1,528 |
| Efficiency ratio | 73.8719% | 1,770 |
| Assets per employee ($millions) | 4.0175% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 902 |
| Loan loss allowance to noncurrent loans | 224.7891% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 2,250 |
| Noncurrent loans to loans | 0.7471% | 2,162 |
| Net loans and leases to total assets | 79.9305% | 844 |
| Net loans and leases to deposits | 90.6346% | 1,551 |
| Net loans and leases to core deposits | 95.4896% | 1,972 |
| Total domestic deposits to total assets | 88.1898% | 1,238 |
| Equity capital to assets | 11.4566% | 2,434 |
| Core capital (leverage) ratio | 11.3668% | 2,233 |
| Tier 1 risk-based capital ratio | 11.9139% | 4,509 |
| Total risk-based capital ratio | 13.1674% | 4,402 |
| Memoranda: | ||
| Average total assets | $409,007,500 | 1,737 |
| Average earning assets | $379,083,500 | 1,737 |
| Average equity | $46,214,500 | 1,695 |
| Average total loans | $329,630,500 | 1,522 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 2,504 |
| Cost of funding earning assets | 0.1473% | 5,179 |
| Net interest margin | 4.3367% | 1,076 |
| Noninterest income to average assets | 0.7190% | 1,777 |
| Noninterest expense to average assets | 3.3343% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0937% | 2,629 |
| Return on assets (ROA) | 0.8345% | 3,673 |
| Pretax return on assets | 1.0433% | 3,464 |
| Return on Equity (ROE) | 7.6184% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,407 |
| Net charge-offs to loans | -0.2548% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9182% | 2,053 |
| Assets per employee ($millions) | 4.0419% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 782 |
| Loan loss allowance to noncurrent loans | 474.8111% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 3,411 |
| Noncurrent loans to loans | 0.3652% | 3,225 |
| Net loans and leases to total assets | 78.5018% | 1,179 |
| Net loans and leases to deposits | 88.7517% | 1,959 |
| Net loans and leases to core deposits | 92.6190% | 2,355 |
| Total domestic deposits to total assets | 88.4510% | 1,095 |
| Equity capital to assets | 11.1412% | 2,564 |
| Core capital (leverage) ratio | 11.3486% | 2,223 |
| Tier 1 risk-based capital ratio | 11.7432% | 4,598 |
| Total risk-based capital ratio | 12.9971% | 4,472 |
| Memoranda: | ||
| Average total assets | $394,719,400 | 1,740 |
| Average earning assets | $362,484,600 | 1,759 |
| Average equity | $43,237,200 | 1,733 |
| Average total loans | $297,489,000 | 1,603 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 2,916 |
| Cost of funding earning assets | 0.1409% | 5,246 |
| Net interest margin | 4.1733% | 1,433 |
| Noninterest income to average assets | 0.7240% | 1,775 |
| Noninterest expense to average assets | 3.3198% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9930% | 3,116 |
| Return on assets (ROA) | 0.6075% | 4,495 |
| Pretax return on assets | 0.7526% | 4,420 |
| Return on Equity (ROE) | 5.5705% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.5705% | 2,911 |
| Net charge-offs to loans | -0.2425% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9888% | 1,735 |
| Assets per employee ($millions) | 3.9306% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 855 |
| Loan loss allowance to noncurrent loans | 322.3411% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 2,976 |
| Noncurrent loans to loans | 0.5292% | 2,794 |
| Net loans and leases to total assets | 79.5353% | 1,090 |
| Net loans and leases to deposits | 89.8546% | 1,925 |
| Net loans and leases to core deposits | 90.6120% | 2,605 |
| Total domestic deposits to total assets | 88.5156% | 1,041 |
| Equity capital to assets | 11.1305% | 2,533 |
| Core capital (leverage) ratio | 10.8269% | 2,765 |
| Tier 1 risk-based capital ratio | 11.6976% | 4,675 |
| Total risk-based capital ratio | 12.9515% | 4,557 |
| Memoranda: | ||
| Average total assets | $391,340,750 | 1,758 |
| Average earning assets | $358,621,500 | 1,778 |
| Average equity | $42,676,000 | 1,752 |
| Average total loans | $290,329,750 | 1,641 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 3,062 |
| Cost of funding earning assets | 0.1338% | 5,305 |
| Net interest margin | 4.0834% | 1,607 |
| Noninterest income to average assets | 0.6787% | 1,964 |
| Noninterest expense to average assets | 3.2485% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9394% | 3,277 |
| Return on assets (ROA) | 0.6567% | 4,336 |
| Pretax return on assets | 0.8133% | 4,208 |
| Return on Equity (ROE) | 6.0636% | 4,212 |
| Retained earnings to average equity (ytd only) | 6.0636% | 2,523 |
| Net charge-offs to loans | -0.3586% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6482% | 1,761 |
| Assets per employee ($millions) | 4.0467% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 750 |
| Loan loss allowance to noncurrent loans | 370.4390% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 3,243 |
| Noncurrent loans to loans | 0.4865% | 2,977 |
| Net loans and leases to total assets | 75.7518% | 1,676 |
| Net loans and leases to deposits | 85.4562% | 2,382 |
| Net loans and leases to core deposits | 86.2549% | 2,901 |
| Total domestic deposits to total assets | 88.6440% | 1,076 |
| Equity capital to assets | 11.0291% | 2,613 |
| Core capital (leverage) ratio | 11.0133% | 2,515 |
| Tier 1 risk-based capital ratio | 12.1409% | 4,408 |
| Total risk-based capital ratio | 13.3957% | 4,287 |
| Memoranda: | ||
| Average total assets | $390,766,670 | 1,764 |
| Average earning assets | $357,157,670 | 1,789 |
| Average equity | $42,318,000 | 1,775 |
| Average total loans | $281,090,000 | 1,685 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,212 |
| Cost of funding earning assets | 0.1270% | 5,367 |
| Net interest margin | 3.9811% | 1,784 |
| Noninterest income to average assets | 0.6787% | 1,919 |
| Noninterest expense to average assets | 3.2069% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9022% | 3,279 |
| Return on assets (ROA) | 0.7583% | 3,880 |
| Pretax return on assets | 0.9410% | 3,727 |
| Return on Equity (ROE) | 7.0671% | 3,761 |
| Retained earnings to average equity (ytd only) | 7.0671% | 2,251 |
| Net charge-offs to loans | -0.1001% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1387% | 1,882 |
| Assets per employee ($millions) | 4.2749% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 780 |
| Loan loss allowance to noncurrent loans | 285.0172% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 3,034 |
| Noncurrent loans to loans | 0.6331% | 2,645 |
| Net loans and leases to total assets | 70.2311% | 2,442 |
| Net loans and leases to deposits | 79.0972% | 2,907 |
| Net loans and leases to core deposits | 82.0692% | 3,136 |
| Total domestic deposits to total assets | 88.7909% | 1,212 |
| Equity capital to assets | 10.9391% | 2,643 |
| Core capital (leverage) ratio | 10.7758% | 2,653 |
| Tier 1 risk-based capital ratio | 12.7829% | 4,066 |
| Total risk-based capital ratio | 14.0376% | 3,954 |
| Memoranda: | ||
| Average total assets | $391,909,000 | 1,775 |
| Average earning assets | $358,992,000 | 1,790 |
| Average equity | $42,054,000 | 1,794 |
| Average total loans | $271,793,500 | 1,733 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 4,245 |
| Cost of funding earning assets | 0.1462% | 5,282 |
| Net interest margin | 3.5934% | 3,194 |
| Noninterest income to average assets | 0.5821% | 2,540 |
| Noninterest expense to average assets | 2.8703% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1751% | 5,155 |
| Return on assets (ROA) | 0.1449% | 5,209 |
| Pretax return on assets | 0.9687% | 3,680 |
| Return on Equity (ROE) | 1.3398% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.3398% | 4,476 |
| Net charge-offs to loans | -0.0288% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8597% | 1,912 |
| Assets per employee ($millions) | 4.4342% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 746 |
| Loan loss allowance to noncurrent loans | 227.0283% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 2,754 |
| Noncurrent loans to loans | 0.8036% | 2,203 |
| Net loans and leases to total assets | 66.0317% | 3,093 |
| Net loans and leases to deposits | 75.1322% | 3,417 |
| Net loans and leases to core deposits | 77.4534% | 3,631 |
| Total domestic deposits to total assets | 87.8873% | 1,558 |
| Equity capital to assets | 10.5295% | 3,135 |
| Core capital (leverage) ratio | 10.1871% | 3,211 |
| Tier 1 risk-based capital ratio | 12.6956% | 4,094 |
| Total risk-based capital ratio | 14.0425% | 3,933 |
| Memoranda: | ||
| Average total assets | $389,816,400 | 1,752 |
| Average earning assets | $358,439,800 | 1,761 |
| Average equity | $42,169,200 | 1,765 |
| Average total loans | $246,330,800 | 1,839 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,383 |
| Cost of funding earning assets | 0.1417% | 5,366 |
| Net interest margin | 3.5328% | 3,380 |
| Noninterest income to average assets | 0.5385% | 2,789 |
| Noninterest expense to average assets | 2.8452% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6326% | 4,263 |
| Return on assets (ROA) | 0.6785% | 4,146 |
| Pretax return on assets | 1.0130% | 3,637 |
| Return on Equity (ROE) | 6.2296% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.2296% | 2,095 |
| Net charge-offs to loans | -0.0271% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0772% | 1,729 |
| Assets per employee ($millions) | 4.6004% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 719 |
| Loan loss allowance to noncurrent loans | 191.5521% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 1,715 |
| Noncurrent loans to loans | 0.9849% | 1,958 |
| Net loans and leases to total assets | 64.8373% | 3,276 |
| Net loans and leases to deposits | 73.2014% | 3,647 |
| Net loans and leases to core deposits | 74.0471% | 3,971 |
| Total domestic deposits to total assets | 88.5740% | 1,086 |
| Equity capital to assets | 11.1588% | 2,706 |
| Core capital (leverage) ratio | 10.1863% | 3,329 |
| Tier 1 risk-based capital ratio | 13.1737% | 3,894 |
| Total risk-based capital ratio | 14.5091% | 3,761 |
| Memoranda: | ||
| Average total assets | $387,501,000 | 1,768 |
| Average earning assets | $356,612,750 | 1,785 |
| Average equity | $42,206,250 | 1,777 |
| Average total loans | $240,809,750 | 1,887 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 4,566 |
| Cost of funding earning assets | 0.1441% | 5,372 |
| Net interest margin | 3.4343% | 3,651 |
| Noninterest income to average assets | 0.5146% | 2,934 |
| Noninterest expense to average assets | 2.8101% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5797% | 4,391 |
| Return on assets (ROA) | 0.6476% | 4,145 |
| Pretax return on assets | 0.9779% | 3,645 |
| Return on Equity (ROE) | 5.9957% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.9957% | 2,118 |
| Net charge-offs to loans | -0.0247% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2574% | 1,678 |
| Assets per employee ($millions) | 4.4972% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 598 |
| Loan loss allowance to noncurrent loans | 102.4478% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 1,362 |
| Noncurrent loans to loans | 1.9540% | 874 |
| Net loans and leases to total assets | 62.1743% | 3,614 |
| Net loans and leases to deposits | 70.2667% | 3,894 |
| Net loans and leases to core deposits | 71.0439% | 4,156 |
| Total domestic deposits to total assets | 88.4833% | 1,212 |
| Equity capital to assets | 11.2298% | 2,560 |
| Core capital (leverage) ratio | 10.2998% | 3,144 |
| Tier 1 risk-based capital ratio | 13.3487% | 3,779 |
| Total risk-based capital ratio | 14.6786% | 3,653 |
| Memoranda: | ||
| Average total assets | $386,322,330 | 1,775 |
| Average earning assets | $356,635,330 | 1,779 |
| Average equity | $41,730,000 | 1,793 |
| Average total loans | $234,942,000 | 1,918 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4085% | 4,910 |
| Cost of funding earning assets | 0.1511% | 5,368 |
| Net interest margin | 3.2574% | 4,145 |
| Noninterest income to average assets | 0.5109% | 2,907 |
| Noninterest expense to average assets | 2.7944% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5013% | 4,588 |
| Return on assets (ROA) | 0.6365% | 4,039 |
| Pretax return on assets | 0.9641% | 3,525 |
| Return on Equity (ROE) | 6.0100% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,327 |
| Net charge-offs to loans | -0.1107% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6377% | 1,544 |
| Assets per employee ($millions) | 4.7988% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0738% | 581 |
| Loan loss allowance to noncurrent loans | 246.0996% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 3,051 |
| Noncurrent loans to loans | 0.8427% | 2,350 |
| Net loans and leases to total assets | 60.9085% | 3,683 |
| Net loans and leases to deposits | 68.8175% | 3,910 |
| Net loans and leases to core deposits | 69.8316% | 4,158 |
| Total domestic deposits to total assets | 88.5073% | 1,417 |
| Equity capital to assets | 10.9828% | 2,641 |
| Core capital (leverage) ratio | 9.9285% | 3,591 |
| Tier 1 risk-based capital ratio | 13.8484% | 3,577 |
| Total risk-based capital ratio | 15.1940% | 3,425 |
| Memoranda: | ||
| Average total assets | $388,353,000 | 1,780 |
| Average earning assets | $362,744,000 | 1,762 |
| Average equity | $41,131,500 | 1,815 |
| Average total loans | $231,151,500 | 1,949 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 4,572 |
| Cost of funding earning assets | 0.1547% | 5,389 |
| Net interest margin | 3.4215% | 3,745 |
| Noninterest income to average assets | 0.5367% | 2,994 |
| Noninterest expense to average assets | 2.9574% | 2,473 |
| Loan and lease loss provision to assets | -0.8433% | 5,900 |
| Net operating income to assets | 3.3910% | 66 |
| Return on assets (ROA) | 3.1639% | 76 |
| Pretax return on assets | 1.4021% | 1,933 |
| Return on Equity (ROE) | 31.6101% | 30 |
| Retained earnings to average equity (ytd only) | 31.6101% | 14 |
| Net charge-offs to loans | -1.1257% | 5,862 |
| Credit loss provision to net charge-offs | 140.3986% | 1,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0044% | 1,555 |
| Assets per employee ($millions) | 4.9087% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 521 |
| Loan loss allowance to noncurrent loans | 229.4817% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 3,023 |
| Noncurrent loans to loans | 0.9284% | 2,236 |
| Net loans and leases to total assets | 55.7544% | 4,288 |
| Net loans and leases to deposits | 66.1160% | 4,236 |
| Net loans and leases to core deposits | 67.2211% | 4,452 |
| Total domestic deposits to total assets | 84.3281% | 3,301 |
| Equity capital to assets | 10.2180% | 3,473 |
| Core capital (leverage) ratio | 10.0036% | 3,477 |
| Tier 1 risk-based capital ratio | 13.7898% | 3,588 |
| Total risk-based capital ratio | 15.1564% | 3,430 |
| Memoranda: | ||
| Average total assets | $367,590,000 | 1,821 |
| Average earning assets | $344,502,400 | 1,806 |
| Average equity | $36,792,000 | 1,987 |
| Average total loans | $196,139,600 | 2,146 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,333 |
| Cost of funding earning assets | 0.1562% | 5,445 |
| Net interest margin | 3.5185% | 3,400 |
| Noninterest income to average assets | 0.5228% | 3,096 |
| Noninterest expense to average assets | 3.0218% | 2,258 |
| Loan and lease loss provision to assets | -0.8701% | 5,966 |
| Net operating income to assets | 1.6947% | 597 |
| Return on assets (ROA) | 1.7258% | 599 |
| Pretax return on assets | 1.7051% | 1,106 |
| Return on Equity (ROE) | 17.3429% | 413 |
| Retained earnings to average equity (ytd only) | 17.3429% | 86 |
| Net charge-offs to loans | -1.4249% | 5,927 |
| Credit loss provision to net charge-offs | 116.6253% | 2,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9876% | 1,562 |
| Assets per employee ($millions) | 4.9757% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6909% | 270 |
| Loan loss allowance to noncurrent loans | 146.7557% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0070% | 2,050 |
| Noncurrent loans to loans | 1.8336% | 1,117 |
| Net loans and leases to total assets | 50.8090% | 4,758 |
| Net loans and leases to deposits | 56.7995% | 4,948 |
| Net loans and leases to core deposits | 57.8470% | 5,059 |
| Total domestic deposits to total assets | 89.4532% | 698 |
| Equity capital to assets | 10.1451% | 3,989 |
| Core capital (leverage) ratio | 10.2629% | 3,266 |
| Tier 1 risk-based capital ratio | 15.7238% | 2,741 |
| Total risk-based capital ratio | 17.0327% | 2,647 |
| Memoranda: | ||
| Average total assets | $360,086,750 | 1,857 |
| Average earning assets | $338,012,750 | 1,842 |
| Average equity | $35,833,250 | 2,041 |
| Average total loans | $188,547,750 | 2,224 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 4,408 |
| Cost of funding earning assets | 0.1608% | 5,478 |
| Net interest margin | 3.5018% | 3,488 |
| Noninterest income to average assets | 0.5653% | 2,820 |
| Noninterest expense to average assets | 3.1066% | 2,039 |
| Loan and lease loss provision to assets | -0.9080% | 6,042 |
| Net operating income to assets | 1.6640% | 623 |
| Return on assets (ROA) | 1.7066% | 603 |
| Pretax return on assets | 1.6969% | 1,097 |
| Return on Equity (ROE) | 17.2710% | 414 |
| Retained earnings to average equity (ytd only) | 17.2710% | 93 |
| Net charge-offs to loans | -1.2084% | 5,999 |
| Credit loss provision to net charge-offs | 143.3692% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6304% | 1,422 |
| Assets per employee ($millions) | 4.4612% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7504% | 267 |
| Loan loss allowance to noncurrent loans | 127.3170% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 1,724 |
| Noncurrent loans to loans | 2.1603% | 887 |
| Net loans and leases to total assets | 51.2140% | 4,749 |
| Net loans and leases to deposits | 57.4252% | 4,933 |
| Net loans and leases to core deposits | 58.2916% | 5,057 |
| Total domestic deposits to total assets | 89.1839% | 825 |
| Equity capital to assets | 10.3573% | 3,783 |
| Core capital (leverage) ratio | 10.3846% | 3,095 |
| Tier 1 risk-based capital ratio | 16.1170% | 2,585 |
| Total risk-based capital ratio | 17.4447% | 2,498 |
| Memoranda: | ||
| Average total assets | $352,405,330 | 1,900 |
| Average earning assets | $330,860,670 | 1,873 |
| Average equity | $34,821,330 | 2,097 |
| Average total loans | $184,714,330 | 2,267 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3352% | 5,248 |
| Cost of funding earning assets | 0.1659% | 5,499 |
| Net interest margin | 3.1693% | 4,678 |
| Noninterest income to average assets | 0.6185% | 2,424 |
| Noninterest expense to average assets | 3.0868% | 2,131 |
| Loan and lease loss provision to assets | -0.3449% | 6,059 |
| Net operating income to assets | 0.8365% | 3,055 |
| Return on assets (ROA) | 0.9036% | 2,861 |
| Pretax return on assets | 0.9094% | 3,806 |
| Return on Equity (ROE) | 9.3799% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.3799% | 1,007 |
| Net charge-offs to loans | -0.2089% | 5,862 |
| Credit loss provision to net charge-offs | 315.7895% | 820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1405% | 963 |
| Assets per employee ($millions) | 4.3612% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8562% | 253 |
| Loan loss allowance to noncurrent loans | 108.1404% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 1,316 |
| Noncurrent loans to loans | 2.6412% | 684 |
| Net loans and leases to total assets | 53.7419% | 4,477 |
| Net loans and leases to deposits | 59.7579% | 4,731 |
| Net loans and leases to core deposits | 60.6827% | 4,894 |
| Total domestic deposits to total assets | 89.9328% | 629 |
| Equity capital to assets | 9.8101% | 4,329 |
| Core capital (leverage) ratio | 9.8579% | 3,712 |
| Tier 1 risk-based capital ratio | 14.7758% | 3,252 |
| Total risk-based capital ratio | 16.0800% | 3,169 |
| Memoranda: | ||
| Average total assets | $347,929,000 | 1,924 |
| Average earning assets | $325,497,500 | 1,905 |
| Average equity | $33,518,500 | 2,177 |
| Average total loans | $181,921,500 | 2,292 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 5,117 |
| Cost of funding earning assets | 0.1794% | 5,462 |
| Net interest margin | 3.2388% | 4,508 |
| Noninterest income to average assets | 0.6598% | 2,407 |
| Noninterest expense to average assets | 3.2141% | 1,936 |
| Loan and lease loss provision to assets | -0.6712% | 6,152 |
| Net operating income to assets | 1.0599% | 2,083 |
| Return on assets (ROA) | 1.0610% | 2,160 |
| Pretax return on assets | 1.0795% | 3,156 |
| Return on Equity (ROE) | 11.4683% | 1,449 |
| Retained earnings to average equity (ytd only) | 11.4683% | 293 |
| Net charge-offs to loans | -0.5262% | 6,087 |
| Credit loss provision to net charge-offs | 261.9325% | 1,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7562% | 775 |
| Assets per employee ($millions) | 4.3370% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3473% | 153 |
| Loan loss allowance to noncurrent loans | 104.6486% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 1,005 |
| Noncurrent loans to loans | 3.1986% | 475 |
| Net loans and leases to total assets | 47.5869% | 5,053 |
| Net loans and leases to deposits | 52.7118% | 5,243 |
| Net loans and leases to core deposits | 53.5740% | 5,341 |
| Total domestic deposits to total assets | 90.2776% | 510 |
| Equity capital to assets | 9.4564% | 4,601 |
| Core capital (leverage) ratio | 9.8967% | 3,648 |
| Tier 1 risk-based capital ratio | 15.5653% | 2,901 |
| Total risk-based capital ratio | 16.8811% | 2,802 |
| Memoranda: | ||
| Average total assets | $335,237,600 | 1,960 |
| Average earning assets | $306,534,200 | 1,985 |
| Average equity | $31,016,000 | 2,247 |
| Average total loans | $163,251,400 | 2,421 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 5,321 |
| Cost of funding earning assets | 0.1813% | 5,541 |
| Net interest margin | 3.1673% | 4,782 |
| Noninterest income to average assets | 0.6488% | 2,491 |
| Noninterest expense to average assets | 3.2263% | 1,893 |
| Loan and lease loss provision to assets | -0.6018% | 6,227 |
| Net operating income to assets | 0.9064% | 2,936 |
| Return on assets (ROA) | 0.9080% | 3,019 |
| Pretax return on assets | 0.9216% | 3,909 |
| Return on Equity (ROE) | 9.8708% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.8708% | 654 |
| Net charge-offs to loans | -0.5057% | 6,155 |
| Credit loss provision to net charge-offs | 245.0980% | 1,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0233% | 631 |
| Assets per employee ($millions) | 4.4879% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8355% | 103 |
| Loan loss allowance to noncurrent loans | 107.0003% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0629% | 973 |
| Noncurrent loans to loans | 3.5846% | 425 |
| Net loans and leases to total assets | 43.9931% | 5,358 |
| Net loans and leases to deposits | 48.5707% | 5,532 |
| Net loans and leases to core deposits | 49.3470% | 5,600 |
| Total domestic deposits to total assets | 90.5754% | 370 |
| Equity capital to assets | 9.0745% | 5,236 |
| Core capital (leverage) ratio | 9.5250% | 4,268 |
| Tier 1 risk-based capital ratio | 14.5595% | 3,524 |
| Total risk-based capital ratio | 15.8961% | 3,408 |
| Memoranda: | ||
| Average total assets | $332,306,750 | 1,990 |
| Average earning assets | $303,800,750 | 2,015 |
| Average equity | $30,567,500 | 2,291 |
| Average total loans | $161,357,750 | 2,463 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4054% | 5,219 |
| Cost of funding earning assets | 0.1862% | 5,563 |
| Net interest margin | 3.2192% | 4,606 |
| Noninterest income to average assets | 0.6734% | 2,335 |
| Noninterest expense to average assets | 3.3032% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3047% | 5,429 |
| Return on assets (ROA) | 0.3041% | 5,531 |
| Pretax return on assets | 0.3176% | 5,633 |
| Return on Equity (ROE) | 3.2898% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.2898% | 3,956 |
| Net charge-offs to loans | -0.4420% | 6,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2120% | 673 |
| Assets per employee ($millions) | 3.9152% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6394% | 72 |
| Loan loss allowance to noncurrent loans | 125.1887% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 2.2723% | 899 |
| Noncurrent loans to loans | 3.7059% | 460 |
| Net loans and leases to total assets | 46.6562% | 5,201 |
| Net loans and leases to deposits | 51.5924% | 5,408 |
| Net loans and leases to core deposits | 52.4395% | 5,514 |
| Total domestic deposits to total assets | 90.4322% | 483 |
| Equity capital to assets | 9.1847% | 5,038 |
| Core capital (leverage) ratio | 9.3751% | 4,456 |
| Tier 1 risk-based capital ratio | 14.9408% | 3,390 |
| Total risk-based capital ratio | 16.2225% | 3,311 |
| Memoranda: | ||
| Average total assets | $324,895,000 | 2,047 |
| Average earning assets | $297,524,000 | 2,061 |
| Average equity | $30,032,330 | 2,338 |
| Average total loans | $161,078,670 | 2,474 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 5,348 |
| Cost of funding earning assets | 0.1888% | 5,611 |
| Net interest margin | 3.1509% | 4,784 |
| Noninterest income to average assets | 0.6875% | 2,217 |
| Noninterest expense to average assets | 3.3570% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2093% | 5,663 |
| Return on assets (ROA) | 0.2081% | 5,756 |
| Pretax return on assets | 0.2230% | 5,798 |
| Return on Equity (ROE) | 2.2441% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.2441% | 4,561 |
| Net charge-offs to loans | -0.1315% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7392% | 605 |
| Assets per employee ($millions) | 3.8158% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4132% | 93 |
| Loan loss allowance to noncurrent loans | 85.7827% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 2.8985% | 670 |
| Noncurrent loans to loans | 5.1447% | 249 |
| Net loans and leases to total assets | 47.8267% | 5,052 |
| Net loans and leases to deposits | 52.9475% | 5,272 |
| Net loans and leases to core deposits | 53.7847% | 5,380 |
| Total domestic deposits to total assets | 90.3285% | 596 |
| Equity capital to assets | 9.2864% | 4,991 |
| Core capital (leverage) ratio | 9.3376% | 4,508 |
| Tier 1 risk-based capital ratio | 14.7776% | 3,559 |
| Total risk-based capital ratio | 16.0576% | 3,473 |
| Memoranda: | ||
| Average total assets | $322,905,500 | 2,065 |
| Average earning assets | $296,550,500 | 2,073 |
| Average equity | $29,945,500 | 2,358 |
| Average total loans | $161,165,500 | 2,479 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,303 |
| Cost of funding earning assets | 0.2606% | 5,218 |
| Net interest margin | 3.5930% | 3,436 |
| Noninterest income to average assets | 0.7782% | 1,955 |
| Noninterest expense to average assets | 3.6125% | 1,278 |
| Loan and lease loss provision to assets | -0.7880% | 6,479 |
| Net operating income to assets | 1.0030% | 2,367 |
| Return on assets (ROA) | 1.0036% | 2,445 |
| Pretax return on assets | 1.0099% | 3,453 |
| Return on Equity (ROE) | 11.6270% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.6270% | 327 |
| Net charge-offs to loans | -0.2456% | 6,295 |
| Credit loss provision to net charge-offs | 632.9114% | 420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2284% | 586 |
| Assets per employee ($millions) | 3.7380% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4418% | 98 |
| Loan loss allowance to noncurrent loans | 85.5681% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.9496% | 698 |
| Noncurrent loans to loans | 5.1910% | 273 |
| Net loans and leases to total assets | 47.5747% | 5,191 |
| Net loans and leases to deposits | 52.6398% | 5,434 |
| Net loans and leases to core deposits | 53.4347% | 5,532 |
| Total domestic deposits to total assets | 90.3779% | 583 |
| Equity capital to assets | 9.2610% | 4,993 |
| Core capital (leverage) ratio | 9.3357% | 4,484 |
| Tier 1 risk-based capital ratio | 15.1789% | 3,392 |
| Total risk-based capital ratio | 16.4603% | 3,325 |
| Memoranda: | ||
| Average total assets | $317,261,400 | 2,047 |
| Average earning assets | $269,801,000 | 2,197 |
| Average equity | $27,384,600 | 2,457 |
| Average total loans | $160,825,000 | 2,413 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,822 |
| Cost of funding earning assets | 0.2796% | 5,098 |
| Net interest margin | 3.7035% | 3,009 |
| Noninterest income to average assets | 0.7843% | 1,945 |
| Noninterest expense to average assets | 3.7388% | 1,063 |
| Loan and lease loss provision to assets | -1.0541% | 6,572 |
| Net operating income to assets | 1.1857% | 1,732 |
| Return on assets (ROA) | 1.1865% | 1,799 |
| Pretax return on assets | 1.1886% | 2,827 |
| Return on Equity (ROE) | 14.0059% | 982 |
| Retained earnings to average equity (ytd only) | 14.0059% | 251 |
| Net charge-offs to loans | -0.2054% | 6,317 |
| Credit loss provision to net charge-offs | 1,008.0645% | 323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5483% | 486 |
| Assets per employee ($millions) | 3.5661% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4117% | 114 |
| Loan loss allowance to noncurrent loans | 86.8080% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.8329% | 861 |
| Noncurrent loans to loans | 5.0822% | 350 |
| Net loans and leases to total assets | 47.0000% | 5,295 |
| Net loans and leases to deposits | 51.9339% | 5,531 |
| Net loans and leases to core deposits | 52.7637% | 5,638 |
| Total domestic deposits to total assets | 90.4996% | 526 |
| Equity capital to assets | 9.1034% | 5,248 |
| Core capital (leverage) ratio | 9.1751% | 4,817 |
| Tier 1 risk-based capital ratio | 15.1955% | 3,475 |
| Total risk-based capital ratio | 16.4763% | 3,401 |
| Memoranda: | ||
| Average total assets | $316,210,000 | 2,075 |
| Average earning assets | $263,672,250 | 2,259 |
| Average equity | $26,788,000 | 2,512 |
| Average total loans | $161,019,750 | 2,437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,127 |
| Cost of funding earning assets | 0.3069% | 4,904 |
| Net interest margin | 3.8479% | 2,381 |
| Noninterest income to average assets | 0.7730% | 1,945 |
| Noninterest expense to average assets | 3.6780% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1602% | 5,930 |
| Return on assets (ROA) | 0.1615% | 5,964 |
| Pretax return on assets | 0.1646% | 5,996 |
| Return on Equity (ROE) | 1.9555% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.9555% | 4,899 |
| Net charge-offs to loans | -0.3060% | 6,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7471% | 570 |
| Assets per employee ($millions) | 3.4984% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9262% | 51 |
| Loan loss allowance to noncurrent loans | 104.7841% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 3.3114% | 736 |
| Noncurrent loans to loans | 5.6556% | 301 |
| Net loans and leases to total assets | 47.1807% | 5,247 |
| Net loans and leases to deposits | 51.7198% | 5,513 |
| Net loans and leases to core deposits | 52.5033% | 5,642 |
| Total domestic deposits to total assets | 91.2237% | 333 |
| Equity capital to assets | 8.4619% | 5,830 |
| Core capital (leverage) ratio | 8.6918% | 5,409 |
| Tier 1 risk-based capital ratio | 13.8134% | 4,382 |
| Total risk-based capital ratio | 15.1096% | 4,298 |
| Memoranda: | ||
| Average total assets | $314,631,670 | 2,078 |
| Average earning assets | $250,887,670 | 2,349 |
| Average equity | $25,978,330 | 2,566 |
| Average total loans | $162,091,000 | 2,425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,919 |
| Cost of funding earning assets | 0.3455% | 4,580 |
| Net interest margin | 3.8423% | 2,296 |
| Noninterest income to average assets | 0.7980% | 1,759 |
| Noninterest expense to average assets | 3.6423% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1074% | 6,013 |
| Return on assets (ROA) | 0.1074% | 6,045 |
| Pretax return on assets | 0.1138% | 6,052 |
| Return on Equity (ROE) | 1.3178% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.3178% | 5,089 |
| Net charge-offs to loans | -0.0612% | 5,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9697% | 593 |
| Assets per employee ($millions) | 3.4164% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7210% | 63 |
| Loan loss allowance to noncurrent loans | 80.7111% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.9703% | 603 |
| Noncurrent loans to loans | 7.0882% | 215 |
| Net loans and leases to total assets | 48.4409% | 5,066 |
| Net loans and leases to deposits | 53.0755% | 5,371 |
| Net loans and leases to core deposits | 53.8262% | 5,511 |
| Total domestic deposits to total assets | 91.2678% | 461 |
| Equity capital to assets | 8.4309% | 5,711 |
| Core capital (leverage) ratio | 8.5481% | 5,587 |
| Tier 1 risk-based capital ratio | 13.6857% | 4,548 |
| Total risk-based capital ratio | 14.9806% | 4,474 |
| Memoranda: | ||
| Average total assets | $312,769,000 | 2,094 |
| Average earning assets | $240,794,000 | 2,432 |
| Average equity | $25,498,000 | 2,597 |
| Average total loans | $163,304,000 | 2,420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 2,236 |
| Cost of funding earning assets | 0.3920% | 4,734 |
| Net interest margin | 4.1011% | 1,635 |
| Noninterest income to average assets | 0.9352% | 1,565 |
| Noninterest expense to average assets | 3.8573% | 1,047 |
| Loan and lease loss provision to assets | -0.7480% | 6,780 |
| Net operating income to assets | 1.0086% | 2,288 |
| Return on assets (ROA) | 1.0086% | 2,350 |
| Pretax return on assets | 1.0432% | 3,179 |
| Return on Equity (ROE) | 24.4453% | 137 |
| Retained earnings to average equity (ytd only) | 24.4453% | 51 |
| Net charge-offs to loans | 0.1788% | 3,037 |
| Credit loss provision to net charge-offs | -737.7049% | 6,197 |
| Earnings coverage of net charge-offs (x) | 2.9115% | 4,025 |
| Efficiency ratio | 92.8909% | 815 |
| Assets per employee ($millions) | 3.3829% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5804% | 63 |
| Loan loss allowance to noncurrent loans | 83.2565% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 3.7101% | 758 |
| Noncurrent loans to loans | 6.7026% | 266 |
| Net loans and leases to total assets | 50.0921% | 5,074 |
| Net loans and leases to deposits | 54.6191% | 5,415 |
| Net loans and leases to core deposits | 55.8201% | 5,550 |
| Total domestic deposits to total assets | 91.7116% | 351 |
| Equity capital to assets | 7.8711% | 6,102 |
| Core capital (leverage) ratio | 8.6690% | 5,452 |
| Tier 1 risk-based capital ratio | 13.2708% | 4,808 |
| Total risk-based capital ratio | 14.5652% | 4,717 |
| Memoranda: | ||
| Average total assets | $300,803,200 | 2,141 |
| Average earning assets | $235,985,800 | 2,460 |
| Average equity | $12,411,400 | 4,372 |
| Average total loans | $170,629,000 | 2,297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 2,243 |
| Cost of funding earning assets | 0.3893% | 4,907 |
| Net interest margin | 4.1075% | 1,611 |
| Noninterest income to average assets | 0.9407% | 1,629 |
| Noninterest expense to average assets | 3.8600% | 1,013 |
| Loan and lease loss provision to assets | -1.0060% | 6,875 |
| Net operating income to assets | 1.3329% | 1,261 |
| Return on assets (ROA) | 1.3329% | 1,315 |
| Pretax return on assets | 1.3794% | 1,998 |
| Return on Equity (ROE) | 42.3277% | 23 |
| Retained earnings to average equity (ytd only) | 42.3277% | 12 |
| Net charge-offs to loans | 0.2721% | 2,193 |
| Credit loss provision to net charge-offs | -641.0256% | 6,101 |
| Earnings coverage of net charge-offs (x) | 2.3789% | 4,041 |
| Efficiency ratio | 91.1808% | 906 |
| Assets per employee ($millions) | 3.3152% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4863% | 80 |
| Loan loss allowance to noncurrent loans | 78.6278% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 4.0937% | 760 |
| Noncurrent loans to loans | 6.9776% | 299 |
| Net loans and leases to total assets | 52.3525% | 4,832 |
| Net loans and leases to deposits | 54.3300% | 5,506 |
| Net loans and leases to core deposits | 55.6317% | 5,656 |
| Total domestic deposits to total assets | 96.3601% | 18 |
| Equity capital to assets | 3.1649% | 6,841 |
| Core capital (leverage) ratio | 3.4318% | 6,845 |
| Tier 1 risk-based capital ratio | 5.3694% | 6,840 |
| Total risk-based capital ratio | 6.6637% | 6,840 |
| Memoranda: | ||
| Average total assets | $298,196,750 | 2,166 |
| Average earning assets | $239,037,500 | 2,449 |
| Average equity | $9,390,000 | 5,058 |
| Average total loans | $172,007,500 | 2,289 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 2,449 |
| Cost of funding earning assets | 0.3852% | 5,080 |
| Net interest margin | 4.0471% | 1,706 |
| Noninterest income to average assets | 0.9319% | 1,712 |
| Noninterest expense to average assets | 3.8588% | 1,027 |
| Loan and lease loss provision to assets | -1.5150% | 6,929 |
| Net operating income to assets | 1.8146% | 503 |
| Return on assets (ROA) | 1.8146% | 542 |
| Pretax return on assets | 1.8846% | 768 |
| Return on Equity (ROE) | 57.7253% | 13 |
| Retained earnings to average equity (ytd only) | 57.7253% | 7 |
| Net charge-offs to loans | 0.0979% | 3,381 |
| Credit loss provision to net charge-offs | -2,647.0588% | 6,171 |
| Earnings coverage of net charge-offs (x) | 6.4588% | 2,713 |
| Efficiency ratio | 91.2580% | 958 |
| Assets per employee ($millions) | 3.3214% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5737% | 83 |
| Loan loss allowance to noncurrent loans | 78.8994% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 4.6691% | 684 |
| Noncurrent loans to loans | 7.0643% | 336 |
| Net loans and leases to total assets | 53.4675% | 4,659 |
| Net loans and leases to deposits | 55.5843% | 5,380 |
| Net loans and leases to core deposits | 57.0825% | 5,519 |
| Total domestic deposits to total assets | 96.1916% | 22 |
| Equity capital to assets | 3.2748% | 6,890 |
| Core capital (leverage) ratio | 3.4739% | 6,886 |
| Tier 1 risk-based capital ratio | 5.1819% | 6,889 |
| Total risk-based capital ratio | 6.4771% | 6,891 |
| Memoranda: | ||
| Average total assets | $297,034,330 | 2,181 |
| Average earning assets | $241,950,330 | 2,430 |
| Average equity | $9,337,330 | 5,097 |
| Average total loans | $173,641,000 | 2,274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 2,057 |
| Cost of funding earning assets | 0.3853% | 5,238 |
| Net interest margin | 4.1466% | 1,338 |
| Noninterest income to average assets | 0.9308% | 1,656 |
| Noninterest expense to average assets | 3.8299% | 1,079 |
| Loan and lease loss provision to assets | -3.0396% | 7,016 |
| Net operating income to assets | 3.6138% | 74 |
| Return on assets (ROA) | 3.6138% | 80 |
| Pretax return on assets | 3.5570% | 107 |
| Return on Equity (ROE) | 117.4340% | 7 |
| Retained earnings to average equity (ytd only) | 117.4340% | 5 |
| Net charge-offs to loans | 0.0341% | 3,551 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | 25.5333% | 1,049 |
| Efficiency ratio | 88.0982% | 1,318 |
| Assets per employee ($millions) | 3.3181% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5423% | 100 |
| Loan loss allowance to noncurrent loans | 75.4765% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 5.0705% | 718 |
| Noncurrent loans to loans | 7.3431% | 384 |
| Net loans and leases to total assets | 54.8489% | 4,267 |
| Net loans and leases to deposits | 57.1281% | 5,125 |
| Net loans and leases to core deposits | 58.6285% | 5,277 |
| Total domestic deposits to total assets | 96.0104% | 24 |
| Equity capital to assets | 3.5521% | 6,953 |
| Core capital (leverage) ratio | 3.4531% | 6,952 |
| Tier 1 risk-based capital ratio | 5.1025% | 6,954 |
| Total risk-based capital ratio | 6.3974% | 6,956 |
| Memoranda: | ||
| Average total assets | $296,090,500 | 2,212 |
| Average earning assets | $243,961,500 | 2,433 |
| Average equity | $9,111,500 | 5,204 |
| Average total loans | $175,831,500 | 2,260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 3,001 |
| Cost of funding earning assets | 0.4488% | 5,587 |
| Net interest margin | 4.1522% | 1,809 |
| Noninterest income to average assets | 0.9926% | 1,556 |
| Noninterest expense to average assets | 3.8428% | 1,181 |
| Loan and lease loss provision to assets | 0.4500% | 1,400 |
| Net operating income to assets | 0.1664% | 5,850 |
| Return on assets (ROA) | 0.1654% | 6,023 |
| Pretax return on assets | 0.1301% | 6,103 |
| Return on Equity (ROE) | 6.8382% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.8382% | 1,651 |
| Net charge-offs to loans | 1.1551% | 890 |
| Credit loss provision to net charge-offs | 58.9938% | 4,474 |
| Earnings coverage of net charge-offs (x) | 0.7618% | 5,097 |
| Efficiency ratio | 86.8657% | 1,344 |
| Assets per employee ($millions) | 3.4519% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5317% | 50 |
| Loan loss allowance to noncurrent loans | 86.0181% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 5.7632% | 625 |
| Noncurrent loans to loans | 7.5934% | 397 |
| Net loans and leases to total assets | 56.7303% | 4,154 |
| Net loans and leases to deposits | 58.5149% | 5,182 |
| Net loans and leases to core deposits | 60.0919% | 5,354 |
| Total domestic deposits to total assets | 96.9501% | 17 |
| Equity capital to assets | 2.6049% | 7,046 |
| Core capital (leverage) ratio | 2.5778% | 7,041 |
| Tier 1 risk-based capital ratio | 3.7101% | 7,043 |
| Total risk-based capital ratio | 5.0181% | 7,043 |
| Memoranda: | ||
| Average total assets | $294,473,200 | 2,175 |
| Average earning assets | $243,338,000 | 2,383 |
| Average equity | $7,121,800 | 5,727 |
| Average total loans | $194,439,600 | 2,053 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 2,919 |
| Cost of funding earning assets | 0.4631% | 5,695 |
| Net interest margin | 4.2092% | 1,710 |
| Noninterest income to average assets | 0.9646% | 1,620 |
| Noninterest expense to average assets | 3.8424% | 1,138 |
| Loan and lease loss provision to assets | 0.5444% | 1,079 |
| Net operating income to assets | 0.0794% | 6,159 |
| Return on assets (ROA) | 0.0780% | 6,299 |
| Pretax return on assets | 0.0694% | 6,311 |
| Return on Equity (ROE) | 3.2907% | 5,580 |
| Retained earnings to average equity (ytd only) | 3.2907% | 4,555 |
| Net charge-offs to loans | 1.4309% | 621 |
| Credit loss provision to net charge-offs | 56.4706% | 4,250 |
| Earnings coverage of net charge-offs (x) | 0.6381% | 5,002 |
| Efficiency ratio | 86.1985% | 1,362 |
| Assets per employee ($millions) | 3.5571% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2958% | 60 |
| Loan loss allowance to noncurrent loans | 64.8674% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 6.9102% | 526 |
| Noncurrent loans to loans | 9.7056% | 263 |
| Net loans and leases to total assets | 57.2408% | 4,252 |
| Net loans and leases to deposits | 58.8940% | 5,326 |
| Net loans and leases to core deposits | 60.3751% | 5,516 |
| Total domestic deposits to total assets | 97.1930% | 14 |
| Equity capital to assets | 2.3706% | 7,153 |
| Core capital (leverage) ratio | 2.4156% | 7,152 |
| Tier 1 risk-based capital ratio | 3.4232% | 7,149 |
| Total risk-based capital ratio | 4.7284% | 7,149 |
| Memoranda: | ||
| Average total assets | $293,875,000 | 2,201 |
| Average earning assets | $243,873,500 | 2,409 |
| Average equity | $6,969,000 | 5,841 |
| Average total loans | $198,004,000 | 2,043 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 2,484 |
| Cost of funding earning assets | 0.4849% | 5,728 |
| Net interest margin | 4.3212% | 1,423 |
| Noninterest income to average assets | 0.9549% | 1,598 |
| Noninterest expense to average assets | 3.9032% | 1,074 |
| Loan and lease loss provision to assets | 0.6210% | 936 |
| Net operating income to assets | 0.0214% | 6,294 |
| Return on assets (ROA) | 0.0193% | 6,435 |
| Pretax return on assets | 0.0193% | 6,425 |
| Return on Equity (ROE) | 0.8146% | 6,335 |
| Retained earnings to average equity (ytd only) | 0.8146% | 5,743 |
| Net charge-offs to loans | 1.4159% | 719 |
| Credit loss provision to net charge-offs | 63.0252% | 3,725 |
| Earnings coverage of net charge-offs (x) | 0.6520% | 4,734 |
| Efficiency ratio | 85.8682% | 1,447 |
| Assets per employee ($millions) | 3.4302% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3186% | 69 |
| Loan loss allowance to noncurrent loans | 57.6043% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 8.3835% | 399 |
| Noncurrent loans to loans | 10.9690% | 218 |
| Net loans and leases to total assets | 61.8433% | 3,472 |
| Net loans and leases to deposits | 63.6515% | 4,814 |
| Net loans and leases to core deposits | 65.3654% | 5,073 |
| Total domestic deposits to total assets | 97.1592% | 17 |
| Equity capital to assets | 2.3713% | 7,207 |
| Core capital (leverage) ratio | 2.4637% | 7,201 |
| Tier 1 risk-based capital ratio | 3.2912% | 7,206 |
| Total risk-based capital ratio | 4.5974% | 7,206 |
| Memoranda: | ||
| Average total assets | $289,863,000 | 2,232 |
| Average earning assets | $240,857,670 | 2,429 |
| Average equity | $6,874,670 | 5,885 |
| Average total loans | $201,715,000 | 2,009 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 1,878 |
| Cost of funding earning assets | 0.5230% | 5,657 |
| Net interest margin | 4.4798% | 1,051 |
| Noninterest income to average assets | 0.9688% | 1,512 |
| Noninterest expense to average assets | 3.8919% | 1,076 |
| Loan and lease loss provision to assets | 0.6228% | 901 |
| Net operating income to assets | 0.1052% | 6,230 |
| Return on assets (ROA) | 0.1052% | 6,356 |
| Pretax return on assets | 0.1052% | 6,376 |
| Return on Equity (ROE) | 4.4347% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.4347% | 3,933 |
| Net charge-offs to loans | 2.6695% | 296 |
| Credit loss provision to net charge-offs | 32.6797% | 3,577 |
| Earnings coverage of net charge-offs (x) | 0.3820% | 4,167 |
| Efficiency ratio | 84.2421% | 1,661 |
| Assets per employee ($millions) | 3.4035% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7712% | 94 |
| Loan loss allowance to noncurrent loans | 51.5944% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 9.1124% | 384 |
| Noncurrent loans to loans | 11.1857% | 243 |
| Net loans and leases to total assets | 67.1777% | 2,262 |
| Net loans and leases to deposits | 69.1691% | 3,848 |
| Net loans and leases to core deposits | 71.0672% | 4,283 |
| Total domestic deposits to total assets | 97.1210% | 19 |
| Equity capital to assets | 2.3981% | 7,265 |
| Core capital (leverage) ratio | 2.4672% | 7,257 |
| Tier 1 risk-based capital ratio | 3.3007% | 7,268 |
| Total risk-based capital ratio | 4.6046% | 7,268 |
| Memoranda: | ||
| Average total assets | $289,009,000 | 2,249 |
| Average earning assets | $235,545,000 | 2,486 |
| Average equity | $6,855,000 | 5,913 |
| Average total loans | $206,333,000 | 1,970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 2,044 |
| Cost of funding earning assets | 0.6355% | 5,896 |
| Net interest margin | 4.5682% | 984 |
| Noninterest income to average assets | 0.8370% | 1,896 |
| Noninterest expense to average assets | 3.8121% | 1,324 |
| Loan and lease loss provision to assets | 2.0975% | 265 |
| Net operating income to assets | -1.2521% | 6,836 |
| Return on assets (ROA) | -1.1384% | 6,823 |
| Pretax return on assets | -1.1384% | 6,788 |
| Return on Equity (ROE) | -40.1676% | 7,163 |
| Retained earnings to average equity (ytd only) | -40.1676% | 7,159 |
| Net charge-offs to loans | 3.3585% | 239 |
| Credit loss provision to net charge-offs | 82.8877% | 4,330 |
| Earnings coverage of net charge-offs (x) | 0.3341% | 5,573 |
| Efficiency ratio | 81.8479% | 2,045 |
| Assets per employee ($millions) | 3.4367% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0763% | 87 |
| Loan loss allowance to noncurrent loans | 55.2460% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 8.8991% | 411 |
| Noncurrent loans to loans | 10.9986% | 266 |
| Net loans and leases to total assets | 67.1482% | 2,551 |
| Net loans and leases to deposits | 69.1248% | 4,254 |
| Net loans and leases to core deposits | 71.5614% | 4,583 |
| Total domestic deposits to total assets | 97.1406% | 19 |
| Equity capital to assets | 2.3463% | 7,304 |
| Core capital (leverage) ratio | 2.4395% | 7,295 |
| Tier 1 risk-based capital ratio | 3.1791% | 7,309 |
| Total risk-based capital ratio | 4.4857% | 7,309 |
| Memoranda: | ||
| Average total assets | $295,585,600 | 2,163 |
| Average earning assets | $247,211,400 | 2,335 |
| Average equity | $8,377,400 | 5,449 |
| Average total loans | $222,716,800 | 1,853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 2,340 |
| Cost of funding earning assets | 0.6485% | 6,041 |
| Net interest margin | 4.5122% | 1,115 |
| Noninterest income to average assets | 0.8069% | 2,023 |
| Noninterest expense to average assets | 3.7766% | 1,344 |
| Loan and lease loss provision to assets | 2.4287% | 187 |
| Net operating income to assets | -1.5085% | 7,044 |
| Return on assets (ROA) | -1.5413% | 7,063 |
| Pretax return on assets | -1.5993% | 7,040 |
| Return on Equity (ROE) | -52.1705% | 7,299 |
| Retained earnings to average equity (ytd only) | -52.1705% | 7,294 |
| Net charge-offs to loans | 3.6901% | 194 |
| Credit loss provision to net charge-offs | 86.2620% | 3,911 |
| Earnings coverage of net charge-offs (x) | 0.3067% | 5,375 |
| Efficiency ratio | 81.3899% | 2,057 |
| Assets per employee ($millions) | 3.4444% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0514% | 86 |
| Loan loss allowance to noncurrent loans | 52.4127% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 9.5945% | 389 |
| Noncurrent loans to loans | 11.5457% | 252 |
| Net loans and leases to total assets | 68.7096% | 2,332 |
| Net loans and leases to deposits | 70.7783% | 4,169 |
| Net loans and leases to core deposits | 73.1417% | 4,570 |
| Total domestic deposits to total assets | 97.0772% | 17 |
| Equity capital to assets | 2.4532% | 7,381 |
| Core capital (leverage) ratio | 2.3386% | 7,381 |
| Tier 1 risk-based capital ratio | 3.0584% | 7,391 |
| Total risk-based capital ratio | 4.3652% | 7,391 |
| Memoranda: | ||
| Average total assets | $296,451,750 | 2,162 |
| Average earning assets | $251,845,250 | 2,300 |
| Average equity | $8,758,250 | 5,370 |
| Average total loans | $226,185,000 | 1,848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 2,192 |
| Cost of funding earning assets | 0.6732% | 6,109 |
| Net interest margin | 4.5460% | 1,025 |
| Noninterest income to average assets | 0.8836% | 1,701 |
| Noninterest expense to average assets | 3.7797% | 1,377 |
| Loan and lease loss provision to assets | 3.1026% | 143 |
| Net operating income to assets | -2.0700% | 7,201 |
| Return on assets (ROA) | -2.0700% | 7,208 |
| Pretax return on assets | -2.1226% | 7,187 |
| Return on Equity (ROE) | -66.3185% | 7,390 |
| Retained earnings to average equity (ytd only) | -66.3185% | 7,387 |
| Net charge-offs to loans | 4.8098% | 142 |
| Credit loss provision to net charge-offs | 83.3938% | 3,668 |
| Earnings coverage of net charge-offs (x) | 0.2634% | 5,114 |
| Efficiency ratio | 79.4105% | 2,482 |
| Assets per employee ($millions) | 3.5010% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9263% | 100 |
| Loan loss allowance to noncurrent loans | 44.6047% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 11.4200% | 287 |
| Noncurrent loans to loans | 13.2862% | 193 |
| Net loans and leases to total assets | 71.3107% | 1,935 |
| Net loans and leases to deposits | 73.6255% | 3,863 |
| Net loans and leases to core deposits | 76.1381% | 4,301 |
| Total domestic deposits to total assets | 96.8560% | 21 |
| Equity capital to assets | 2.5896% | 7,447 |
| Core capital (leverage) ratio | 2.5181% | 7,446 |
| Tier 1 risk-based capital ratio | 3.1773% | 7,460 |
| Total risk-based capital ratio | 4.4828% | 7,460 |
| Memoranda: | ||
| Average total assets | $296,528,330 | 2,169 |
| Average earning assets | $252,839,670 | 2,308 |
| Average equity | $9,255,330 | 5,253 |
| Average total loans | $229,365,670 | 1,849 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 2,551 |
| Cost of funding earning assets | 0.7074% | 6,092 |
| Net interest margin | 4.4135% | 1,247 |
| Noninterest income to average assets | 0.8681% | 1,784 |
| Noninterest expense to average assets | 3.8371% | 1,277 |
| Loan and lease loss provision to assets | 1.0684% | 696 |
| Net operating income to assets | -0.2791% | 6,638 |
| Return on assets (ROA) | -0.2791% | 6,654 |
| Pretax return on assets | -0.2791% | 6,604 |
| Return on Equity (ROE) | -8.2605% | 6,967 |
| Retained earnings to average equity (ytd only) | -8.2605% | 6,768 |
| Net charge-offs to loans | 1.7716% | 737 |
| Credit loss provision to net charge-offs | 77.2201% | 3,212 |
| Earnings coverage of net charge-offs (x) | 0.5705% | 4,193 |
| Efficiency ratio | 82.9388% | 2,094 |
| Assets per employee ($millions) | 3.4952% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9227% | 109 |
| Loan loss allowance to noncurrent loans | 43.1819% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 12.0315% | 269 |
| Noncurrent loans to loans | 13.7158% | 196 |
| Net loans and leases to total assets | 74.3032% | 1,301 |
| Net loans and leases to deposits | 77.4053% | 3,172 |
| Net loans and leases to core deposits | 79.9461% | 3,767 |
| Total domestic deposits to total assets | 95.9925% | 36 |
| Equity capital to assets | 3.4248% | 7,469 |
| Core capital (leverage) ratio | 3.3973% | 7,469 |
| Tier 1 risk-based capital ratio | 4.2805% | 7,483 |
| Total risk-based capital ratio | 5.5876% | 7,481 |
| Memoranda: | ||
| Average total assets | $299,499,500 | 2,164 |
| Average earning assets | $255,035,500 | 2,315 |
| Average equity | $10,120,500 | 5,017 |
| Average total loans | $233,912,000 | 1,844 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 2,140 |
| Cost of funding earning assets | 0.9579% | 5,895 |
| Net interest margin | 4.5776% | 1,055 |
| Noninterest income to average assets | 0.8463% | 2,075 |
| Noninterest expense to average assets | 4.0594% | 1,077 |
| Loan and lease loss provision to assets | 1.9089% | 710 |
| Net operating income to assets | -1.3294% | 6,843 |
| Return on assets (ROA) | -1.2243% | 6,819 |
| Pretax return on assets | -1.2061% | 6,742 |
| Return on Equity (ROE) | -30.0634% | 7,231 |
| Retained earnings to average equity (ytd only) | -30.0634% | 7,218 |
| Net charge-offs to loans | 4.2250% | 279 |
| Credit loss provision to net charge-offs | 55.9981% | 6,158 |
| Earnings coverage of net charge-offs (x) | 0.1754% | 5,932 |
| Efficiency ratio | 87.1647% | 1,557 |
| Assets per employee ($millions) | 3.5930% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9210% | 112 |
| Loan loss allowance to noncurrent loans | 45.2719% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 11.5101% | 310 |
| Noncurrent loans to loans | 13.0789% | 234 |
| Net loans and leases to total assets | 72.6806% | 1,950 |
| Net loans and leases to deposits | 75.6509% | 3,894 |
| Net loans and leases to core deposits | 77.6731% | 4,496 |
| Total domestic deposits to total assets | 96.0737% | 38 |
| Equity capital to assets | 3.3353% | 7,544 |
| Core capital (leverage) ratio | 3.5045% | 7,528 |
| Tier 1 risk-based capital ratio | 4.2774% | 7,555 |
| Total risk-based capital ratio | 5.5841% | 7,555 |
| Memoranda: | ||
| Average total assets | $313,000,600 | 2,070 |
| Average earning assets | $260,571,800 | 2,248 |
| Average equity | $12,746,400 | 4,411 |
| Average total loans | $252,546,800 | 1,744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 2,321 |
| Cost of funding earning assets | 1.0039% | 5,921 |
| Net interest margin | 4.5281% | 1,198 |
| Noninterest income to average assets | 0.8735% | 1,894 |
| Noninterest expense to average assets | 4.0808% | 953 |
| Loan and lease loss provision to assets | 1.5243% | 865 |
| Net operating income to assets | -0.9150% | 6,851 |
| Return on assets (ROA) | -0.9150% | 6,891 |
| Pretax return on assets | -0.9446% | 6,831 |
| Return on Equity (ROE) | -21.5236% | 7,252 |
| Retained earnings to average equity (ytd only) | -21.5236% | 7,238 |
| Net charge-offs to loans | 4.8045% | 191 |
| Credit loss provision to net charge-offs | 38.9189% | 6,029 |
| Earnings coverage of net charge-offs (x) | 0.1480% | 5,876 |
| Efficiency ratio | 87.5625% | 1,486 |
| Assets per employee ($millions) | 3.5498% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3905% | 138 |
| Loan loss allowance to noncurrent loans | 44.9615% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 11.7753% | 285 |
| Noncurrent loans to loans | 11.9892% | 291 |
| Net loans and leases to total assets | 73.9649% | 1,813 |
| Net loans and leases to deposits | 77.5339% | 3,915 |
| Net loans and leases to core deposits | 80.8251% | 4,405 |
| Total domestic deposits to total assets | 95.3969% | 32 |
| Equity capital to assets | 4.0025% | 7,640 |
| Core capital (leverage) ratio | 3.9044% | 7,628 |
| Tier 1 risk-based capital ratio | 4.7509% | 7,650 |
| Total risk-based capital ratio | 6.0498% | 7,653 |
| Memoranda: | ||
| Average total assets | $314,900,250 | 2,093 |
| Average earning assets | $263,356,250 | 2,263 |
| Average equity | $13,386,500 | 4,353 |
| Average total loans | $256,699,000 | 1,748 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5352% | 2,386 |
| Cost of funding earning assets | 1.0241% | 6,037 |
| Net interest margin | 4.5110% | 1,182 |
| Noninterest income to average assets | 0.8892% | 1,729 |
| Noninterest expense to average assets | 4.1196% | 894 |
| Loan and lease loss provision to assets | 1.5146% | 871 |
| Net operating income to assets | -0.9390% | 6,920 |
| Return on assets (ROA) | -0.9390% | 6,937 |
| Pretax return on assets | -0.9397% | 6,860 |
| Return on Equity (ROE) | -21.6778% | 7,311 |
| Retained earnings to average equity (ytd only) | -21.6778% | 7,295 |
| Net charge-offs to loans | 5.5068% | 167 |
| Credit loss provision to net charge-offs | 33.2963% | 5,692 |
| Earnings coverage of net charge-offs (x) | 0.1264% | 5,596 |
| Efficiency ratio | 87.7537% | 1,534 |
| Assets per employee ($millions) | 3.4619% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5505% | 129 |
| Loan loss allowance to noncurrent loans | 41.5789% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 13.0851% | 215 |
| Noncurrent loans to loans | 13.3492% | 221 |
| Net loans and leases to total assets | 77.4012% | 1,212 |
| Net loans and leases to deposits | 81.3686% | 3,369 |
| Net loans and leases to core deposits | 85.7410% | 3,869 |
| Total domestic deposits to total assets | 95.1241% | 46 |
| Equity capital to assets | 4.2345% | 7,678 |
| Core capital (leverage) ratio | 4.1172% | 7,672 |
| Tier 1 risk-based capital ratio | 4.9370% | 7,703 |
| Total risk-based capital ratio | 6.2390% | 7,702 |
| Memoranda: | ||
| Average total assets | $316,922,670 | 2,099 |
| Average earning assets | $267,344,000 | 2,248 |
| Average equity | $13,728,330 | 4,263 |
| Average total loans | $261,784,330 | 1,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 2,434 |
| Cost of funding earning assets | 1.0404% | 6,169 |
| Net interest margin | 4.4943% | 1,160 |
| Noninterest income to average assets | 0.9571% | 1,426 |
| Noninterest expense to average assets | 4.0946% | 906 |
| Loan and lease loss provision to assets | 1.4858% | 787 |
| Net operating income to assets | -0.7503% | 6,988 |
| Return on assets (ROA) | -0.7503% | 7,011 |
| Pretax return on assets | -0.8258% | 6,963 |
| Return on Equity (ROE) | -17.1398% | 7,374 |
| Retained earnings to average equity (ytd only) | -17.1398% | 7,284 |
| Net charge-offs to loans | 6.0706% | 175 |
| Credit loss provision to net charge-offs | 29.5203% | 4,819 |
| Earnings coverage of net charge-offs (x) | 0.1311% | 4,910 |
| Efficiency ratio | 86.1198% | 1,783 |
| Assets per employee ($millions) | 3.4848% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0386% | 99 |
| Loan loss allowance to noncurrent loans | 40.8005% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 14.3494% | 154 |
| Noncurrent loans to loans | 14.8002% | 188 |
| Net loans and leases to total assets | 78.3894% | 1,078 |
| Net loans and leases to deposits | 82.5633% | 3,184 |
| Net loans and leases to core deposits | 86.8443% | 3,777 |
| Total domestic deposits to total assets | 94.9447% | 48 |
| Equity capital to assets | 4.4317% | 7,763 |
| Core capital (leverage) ratio | 4.2923% | 7,756 |
| Tier 1 risk-based capital ratio | 5.0580% | 7,797 |
| Total risk-based capital ratio | 6.3661% | 7,795 |
| Memoranda: | ||
| Average total assets | $323,062,000 | 2,100 |
| Average earning assets | $272,970,500 | 2,261 |
| Average equity | $14,142,500 | 4,215 |
| Average total loans | $267,849,000 | 1,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 3,155 |
| Cost of funding earning assets | 1.4524% | 5,714 |
| Net interest margin | 4.2372% | 1,949 |
| Noninterest income to average assets | 0.7039% | 2,939 |
| Noninterest expense to average assets | 4.1506% | 1,160 |
| Loan and lease loss provision to assets | 4.3867% | 277 |
| Net operating income to assets | -3.7915% | 7,571 |
| Return on assets (ROA) | -3.7653% | 7,568 |
| Pretax return on assets | -4.0654% | 7,541 |
| Return on Equity (ROE) | -69.2947% | 7,806 |
| Retained earnings to average equity (ytd only) | -69.2947% | 7,803 |
| Net charge-offs to loans | 3.8239% | 452 |
| Credit loss provision to net charge-offs | 139.9912% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.0936% | 6,063 |
| Efficiency ratio | 93.4031% | 1,452 |
| Assets per employee ($millions) | 3.3928% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8109% | 65 |
| Loan loss allowance to noncurrent loans | 42.6882% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 14.2862% | 158 |
| Noncurrent loans to loans | 15.9550% | 149 |
| Net loans and leases to total assets | 76.8075% | 1,625 |
| Net loans and leases to deposits | 80.9882% | 3,802 |
| Net loans and leases to core deposits | 94.7962% | 4,589 |
| Total domestic deposits to total assets | 94.8378% | 57 |
| Equity capital to assets | 4.3267% | 7,831 |
| Core capital (leverage) ratio | 4.2501% | 7,827 |
| Tier 1 risk-based capital ratio | 5.1454% | 7,861 |
| Total risk-based capital ratio | 6.4639% | 7,861 |
| Memoranda: | ||
| Average total assets | $361,248,000 | 1,881 |
| Average earning assets | $318,841,200 | 1,956 |
| Average equity | $19,629,200 | 3,261 |
| Average total loans | $296,035,800 | 1,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7303% | 3,188 |
| Cost of funding earning assets | 1.5165% | 5,757 |
| Net interest margin | 4.2138% | 1,998 |
| Noninterest income to average assets | 0.7020% | 3,002 |
| Noninterest expense to average assets | 4.1142% | 1,120 |
| Loan and lease loss provision to assets | 5.3005% | 152 |
| Net operating income to assets | -5.1192% | 7,856 |
| Return on assets (ROA) | -5.0859% | 7,853 |
| Pretax return on assets | -4.9165% | 7,798 |
| Return on Equity (ROE) | -89.4852% | 7,988 |
| Retained earnings to average equity (ytd only) | -89.4852% | 7,987 |
| Net charge-offs to loans | 4.1281% | 331 |
| Credit loss provision to net charge-offs | 156.8873% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.1038% | 5,933 |
| Efficiency ratio | 92.1462% | 1,531 |
| Assets per employee ($millions) | 3.5291% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8416% | 52 |
| Loan loss allowance to noncurrent loans | 42.3191% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 14.1459% | 146 |
| Noncurrent loans to loans | 16.1667% | 122 |
| Net loans and leases to total assets | 76.5718% | 1,878 |
| Net loans and leases to deposits | 80.4751% | 4,303 |
| Net loans and leases to core deposits | 94.0607% | 5,007 |
| Total domestic deposits to total assets | 95.1497% | 33 |
| Equity capital to assets | 4.0621% | 7,999 |
| Core capital (leverage) ratio | 3.7134% | 7,998 |
| Tier 1 risk-based capital ratio | 4.6940% | 8,011 |
| Total risk-based capital ratio | 6.0133% | 8,013 |
| Memoranda: | ||
| Average total assets | $368,436,250 | 1,857 |
| Average earning assets | $329,004,500 | 1,903 |
| Average equity | $20,940,000 | 3,107 |
| Average total loans | $301,533,250 | 1,611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 3,550 |
| Cost of funding earning assets | 1.5480% | 5,933 |
| Net interest margin | 4.1496% | 2,159 |
| Noninterest income to average assets | 0.5038% | 4,412 |
| Noninterest expense to average assets | 3.9206% | 1,444 |
| Loan and lease loss provision to assets | 6.8608% | 101 |
| Net operating income to assets | -6.7634% | 8,037 |
| Return on assets (ROA) | -6.7225% | 8,028 |
| Pretax return on assets | -6.4735% | 7,978 |
| Return on Equity (ROE) | -108.7662% | 8,085 |
| Retained earnings to average equity (ytd only) | -108.7662% | 8,084 |
| Net charge-offs to loans | 4.1238% | 333 |
| Credit loss provision to net charge-offs | 203.5511% | 2,236 |
| Earnings coverage of net charge-offs (x) | 0.1027% | 5,573 |
| Efficiency ratio | 91.8838% | 1,645 |
| Assets per employee ($millions) | 3.6151% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9675% | 53 |
| Loan loss allowance to noncurrent loans | 46.3148% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 13.0076% | 148 |
| Noncurrent loans to loans | 15.0439% | 131 |
| Net loans and leases to total assets | 76.4511% | 2,065 |
| Net loans and leases to deposits | 80.4520% | 4,477 |
| Net loans and leases to core deposits | 95.5324% | 4,954 |
| Total domestic deposits to total assets | 95.0270% | 36 |
| Equity capital to assets | 4.1498% | 8,092 |
| Core capital (leverage) ratio | 4.0621% | 8,089 |
| Tier 1 risk-based capital ratio | 5.0509% | 8,100 |
| Total risk-based capital ratio | 6.3713% | 8,100 |
| Memoranda: | ||
| Average total assets | $375,964,000 | 1,851 |
| Average earning assets | $340,951,000 | 1,862 |
| Average equity | $23,237,000 | 2,842 |
| Average total loans | $307,286,000 | 1,610 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6341% | 4,144 |
| Cost of funding earning assets | 1.5429% | 6,268 |
| Net interest margin | 4.0912% | 2,312 |
| Noninterest income to average assets | 0.5543% | 3,886 |
| Noninterest expense to average assets | 3.7318% | 1,593 |
| Loan and lease loss provision to assets | 1.2526% | 1,022 |
| Net operating income to assets | -0.6409% | 7,002 |
| Return on assets (ROA) | -0.6409% | 7,040 |
| Pretax return on assets | -0.6409% | 6,928 |
| Return on Equity (ROE) | -8.9784% | 7,298 |
| Retained earnings to average equity (ytd only) | -8.9784% | 7,013 |
| Net charge-offs to loans | 2.9258% | 437 |
| Credit loss provision to net charge-offs | 52.5164% | 4,635 |
| Earnings coverage of net charge-offs (x) | 0.2565% | 4,768 |
| Efficiency ratio | 85.9168% | 2,073 |
| Assets per employee ($millions) | 3.8928% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2338% | 177 |
| Loan loss allowance to noncurrent loans | 34.9881% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 10.6113% | 194 |
| Noncurrent loans to loans | 12.1008% | 173 |
| Net loans and leases to total assets | 78.3590% | 1,732 |
| Net loans and leases to deposits | 85.0984% | 3,798 |
| Net loans and leases to core deposits | 101.8355% | 4,363 |
| Total domestic deposits to total assets | 92.0805% | 174 |
| Equity capital to assets | 7.1849% | 7,574 |
| Core capital (leverage) ratio | 6.9304% | 7,676 |
| Tier 1 risk-based capital ratio | 8.1679% | 7,991 |
| Total risk-based capital ratio | 9.4532% | 8,020 |
| Memoranda: | ||
| Average total assets | $383,190,500 | 1,832 |
| Average earning assets | $354,912,000 | 1,809 |
| Average equity | $27,354,500 | 2,466 |
| Average total loans | $312,390,000 | 1,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3917% | 3,464 |
| Cost of funding earning assets | 2.1066% | 6,023 |
| Net interest margin | 4.2851% | 2,033 |
| Noninterest income to average assets | 0.6702% | 3,322 |
| Noninterest expense to average assets | 3.5031% | 2,389 |
| Loan and lease loss provision to assets | 3.5657% | 220 |
| Net operating income to assets | -2.4184% | 7,685 |
| Return on assets (ROA) | -3.1877% | 7,837 |
| Pretax return on assets | -3.2182% | 7,764 |
| Return on Equity (ROE) | -36.8075% | 8,042 |
| Retained earnings to average equity (ytd only) | -36.8075% | 8,006 |
| Net charge-offs to loans | 3.4260% | 233 |
| Credit loss provision to net charge-offs | 129.5118% | 4,111 |
| Earnings coverage of net charge-offs (x) | 0.4085% | 5,989 |
| Efficiency ratio | 75.6989% | 3,284 |
| Assets per employee ($millions) | 3.5998% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4716% | 138 |
| Loan loss allowance to noncurrent loans | 36.5325% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 10.6316% | 137 |
| Noncurrent loans to loans | 12.2400% | 123 |
| Net loans and leases to total assets | 77.5998% | 2,234 |
| Net loans and leases to deposits | 86.2994% | 4,073 |
| Net loans and leases to core deposits | 104.7018% | 4,334 |
| Total domestic deposits to total assets | 89.9193% | 678 |
| Equity capital to assets | 7.0937% | 7,686 |
| Core capital (leverage) ratio | 6.8932% | 7,766 |
| Tier 1 risk-based capital ratio | 8.2709% | 8,038 |
| Total risk-based capital ratio | 9.5598% | 8,075 |
| Memoranda: | ||
| Average total assets | $416,605,800 | 1,637 |
| Average earning assets | $384,747,400 | 1,616 |
| Average equity | $36,079,600 | 1,870 |
| Average total loans | $334,795,600 | 1,453 |