Home > First Secure Community Bank > Performance and Condition Ratios
First Secure Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7209% | 1,716 |
| Cost of funding earning assets | 3.0838% | 418 |
| Net interest margin | 2.6371% | 3,726 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 2.1735% | 3,211 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 0.1805% | 4,000 |
| Return on assets (ROA) | 0.1805% | 4,030 |
| Pretax return on assets | 0.2525% | 3,983 |
| Return on Equity (ROE) | 2.1200% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.1188% | 3,331 |
| Net charge-offs to loans | 0.3283% | 445 |
| Credit loss provision to net charge-offs | 69.8578% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.9100% | 2,859 |
| Efficiency ratio | 84.3294% | 773 |
| Assets per employee ($millions) | 11.9861% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,363 |
| Loan loss allowance to noncurrent loans | 28.0131% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.6112% | 111 |
| Noncurrent loans to loans | 4.1475% | 90 |
| Net loans and leases to total assets | 62.2300% | 2,741 |
| Net loans and leases to deposits | 73.2435% | 2,714 |
| Net loans and leases to core deposits | 84.8482% | 2,452 |
| Total domestic deposits to total assets | 84.9600% | 2,550 |
| Equity capital to assets | 8.5797% | 3,131 |
| Core capital (leverage) ratio | 8.8048% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1543% | 2,483 |
| Memoranda: | ||
| Average total assets | $506,232,600 | 1,757 |
| Average earning assets | $471,009,200 | 1,749 |
| Average equity | $43,137,600 | 1,886 |
| Average total loans | $321,316,800 | 1,780 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6877% | 1,735 |
| Cost of funding earning assets | 3.0778% | 442 |
| Net interest margin | 2.6098% | 3,750 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.1222% | 3,280 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.1796% | 4,023 |
| Return on assets (ROA) | 0.1796% | 4,058 |
| Pretax return on assets | 0.2513% | 4,008 |
| Return on Equity (ROE) | 2.1100% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.1119% | 3,434 |
| Net charge-offs to loans | 0.4122% | 327 |
| Credit loss provision to net charge-offs | 60.5449% | 1,978 |
| Earnings coverage of net charge-offs (x) | 1.5641% | 2,651 |
| Efficiency ratio | 83.6067% | 841 |
| Assets per employee ($millions) | 12.8146% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 2,801 |
| Loan loss allowance to noncurrent loans | 30.3431% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.3770% | 139 |
| Noncurrent loans to loans | 3.6026% | 140 |
| Net loans and leases to total assets | 65.2600% | 2,394 |
| Net loans and leases to deposits | 76.0665% | 2,520 |
| Net loans and leases to core deposits | 88.0448% | 2,288 |
| Total domestic deposits to total assets | 85.7900% | 2,012 |
| Equity capital to assets | 8.6530% | 3,290 |
| Core capital (leverage) ratio | 8.9371% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9090% | 2,567 |
| Memoranda: | ||
| Average total assets | $503,939,750 | 1,753 |
| Average earning assets | $471,230,250 | 1,740 |
| Average equity | $42,867,000 | 1,892 |
| Average total loans | $320,524,750 | 1,782 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 1,770 |
| Cost of funding earning assets | 3.0897% | 406 |
| Net interest margin | 2.5130% | 3,861 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 2.1000% | 3,319 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.1537% | 4,061 |
| Return on assets (ROA) | 0.1537% | 4,090 |
| Pretax return on assets | 0.2151% | 4,046 |
| Return on Equity (ROE) | 1.8200% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.8173% | 3,399 |
| Net charge-offs to loans | 0.2555% | 436 |
| Credit loss provision to net charge-offs | 74.6269% | 1,689 |
| Earnings coverage of net charge-offs (x) | 2.0871% | 2,421 |
| Efficiency ratio | 86.0328% | 747 |
| Assets per employee ($millions) | 12.3487% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,272 |
| Loan loss allowance to noncurrent loans | 26.1411% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.0117% | 68 |
| Noncurrent loans to loans | 4.5718% | 74 |
| Net loans and leases to total assets | 65.0900% | 2,440 |
| Net loans and leases to deposits | 76.8126% | 2,480 |
| Net loans and leases to core deposits | 89.0451% | 2,203 |
| Total domestic deposits to total assets | 84.7400% | 2,389 |
| Equity capital to assets | 8.4395% | 3,137 |
| Core capital (leverage) ratio | 8.8715% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0186% | 2,567 |
| Memoranda: | ||
| Average total assets | $501,058,000 | 1,761 |
| Average earning assets | $467,806,667 | 1,746 |
| Average equity | $42,371,333 | 1,888 |
| Average total loans | $314,631,667 | 1,796 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 1,774 |
| Cost of funding earning assets | 3.0595% | 381 |
| Net interest margin | 2.4645% | 3,918 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 2.0464% | 3,466 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.1501% | 4,040 |
| Return on assets (ROA) | 0.1501% | 4,081 |
| Pretax return on assets | 0.2095% | 4,021 |
| Return on Equity (ROE) | 1.7700% | 4,036 |
| Retained earnings to average equity (ytd only) | 1.7728% | 3,292 |
| Net charge-offs to loans | 0.2228% | 405 |
| Credit loss provision to net charge-offs | 88.2353% | 1,246 |
| Earnings coverage of net charge-offs (x) | 2.4176% | 1,999 |
| Efficiency ratio | 85.9169% | 789 |
| Assets per employee ($millions) | 11.3363% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 1,793 |
| Loan loss allowance to noncurrent loans | 28.2186% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 2.8902% | 81 |
| Noncurrent loans to loans | 4.5740% | 74 |
| Net loans and leases to total assets | 62.3700% | 2,628 |
| Net loans and leases to deposits | 72.5612% | 2,708 |
| Net loans and leases to core deposits | 85.1545% | 2,365 |
| Total domestic deposits to total assets | 85.9600% | 2,114 |
| Equity capital to assets | 8.4973% | 3,025 |
| Core capital (leverage) ratio | 8.9380% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1843% | 2,531 |
| Memoranda: | ||
| Average total assets | $498,439,000 | 1,768 |
| Average earning assets | $464,525,500 | 1,758 |
| Average equity | $42,192,500 | 1,888 |
| Average total loans | $305,185,000 | 1,825 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 1,847 |
| Cost of funding earning assets | 2.3297% | 518 |
| Net interest margin | 2.7734% | 3,710 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.0014% | 3,631 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.4451% | 3,776 |
| Return on assets (ROA) | 0.2682% | 4,076 |
| Pretax return on assets | 0.3752% | 3,997 |
| Return on Equity (ROE) | 3.3700% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.3657% | 3,177 |
| Net charge-offs to loans | 0.0228% | 1,869 |
| Credit loss provision to net charge-offs | 1,484.3750% | 300 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 1,172 |
| Efficiency ratio | 71.5780% | 1,703 |
| Assets per employee ($millions) | 11.8591% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,439 |
| Loan loss allowance to noncurrent loans | 28.3240% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 78 |
| Noncurrent loans to loans | 4.8893% | 54 |
| Net loans and leases to total assets | 58.4500% | 2,995 |
| Net loans and leases to deposits | 68.7376% | 2,976 |
| Net loans and leases to core deposits | 77.7289% | 2,860 |
| Total domestic deposits to total assets | 85.0300% | 2,302 |
| Equity capital to assets | 8.4325% | 3,098 |
| Core capital (leverage) ratio | 8.9197% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6736% | 2,352 |
| Memoranda: | ||
| Average total assets | $503,686,600 | 1,718 |
| Average earning assets | $468,261,600 | 1,714 |
| Average equity | $40,140,000 | 1,883 |
| Average total loans | $280,976,400 | 1,870 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 1,780 |
| Cost of funding earning assets | 2.1464% | 551 |
| Net interest margin | 2.8802% | 3,587 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.9780% | 3,646 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 0.5573% | 3,647 |
| Return on assets (ROA) | 0.3220% | 4,093 |
| Pretax return on assets | 0.4503% | 3,992 |
| Return on Equity (ROE) | 4.1000% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,235 |
| Net charge-offs to loans | -0.0139% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.1699% | 2,118 |
| Assets per employee ($millions) | 11.8145% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,286 |
| Loan loss allowance to noncurrent loans | 24.5210% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 3.2359% | 59 |
| Noncurrent loans to loans | 5.8737% | 37 |
| Net loans and leases to total assets | 54.3000% | 3,337 |
| Net loans and leases to deposits | 64.2042% | 3,253 |
| Net loans and leases to core deposits | 72.2949% | 3,089 |
| Total domestic deposits to total assets | 84.5700% | 2,629 |
| Equity capital to assets | 7.9929% | 3,063 |
| Core capital (leverage) ratio | 8.7317% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9823% | 2,273 |
| Memoranda: | ||
| Average total assets | $505,087,750 | 1,720 |
| Average earning assets | $470,230,750 | 1,708 |
| Average equity | $39,674,750 | 1,884 |
| Average total loans | $277,421,500 | 1,886 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 1,681 |
| Cost of funding earning assets | 1.9357% | 568 |
| Net interest margin | 3.0013% | 3,427 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.9571% | 3,698 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.7197% | 3,302 |
| Return on assets (ROA) | 0.3662% | 4,079 |
| Pretax return on assets | 0.5122% | 3,944 |
| Return on Equity (ROE) | 4.6900% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.6895% | 3,030 |
| Net charge-offs to loans | 0.0318% | 1,254 |
| Credit loss provision to net charge-offs | 1,193.1818% | 362 |
| Earnings coverage of net charge-offs (x) | 66.9091% | 1,129 |
| Efficiency ratio | 62.4603% | 2,648 |
| Assets per employee ($millions) | 12.3467% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,745 |
| Loan loss allowance to noncurrent loans | 24.4766% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.9724% | 71 |
| Noncurrent loans to loans | 5.4815% | 42 |
| Net loans and leases to total assets | 53.5000% | 3,300 |
| Net loans and leases to deposits | 65.4084% | 3,094 |
| Net loans and leases to core deposits | 73.8004% | 2,905 |
| Total domestic deposits to total assets | 81.7900% | 3,275 |
| Equity capital to assets | 7.9229% | 3,266 |
| Core capital (leverage) ratio | 8.7880% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7773% | 2,382 |
| Memoranda: | ||
| Average total assets | $504,109,000 | 1,718 |
| Average earning assets | $467,331,667 | 1,720 |
| Average equity | $39,364,333 | 1,901 |
| Average total loans | $276,604,333 | 1,877 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 1,372 |
| Cost of funding earning assets | 1.7020% | 574 |
| Net interest margin | 3.2227% | 3,061 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.8352% | 3,970 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.1220% | 2,158 |
| Return on assets (ROA) | 0.4135% | 4,013 |
| Pretax return on assets | 0.5781% | 3,881 |
| Return on Equity (ROE) | 5.3300% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.3343% | 2,944 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.4613% | 3,741 |
| Assets per employee ($millions) | 12.2899% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,322 |
| Loan loss allowance to noncurrent loans | 21.0711% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 3.2730% | 42 |
| Noncurrent loans to loans | 5.8973% | 43 |
| Net loans and leases to total assets | 54.0500% | 3,199 |
| Net loans and leases to deposits | 67.4860% | 2,813 |
| Net loans and leases to core deposits | 74.8844% | 2,607 |
| Total domestic deposits to total assets | 80.0900% | 3,750 |
| Equity capital to assets | 7.8574% | 3,343 |
| Core capital (leverage) ratio | 8.6468% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1055% | 2,697 |
| Memoranda: | ||
| Average total assets | $503,055,500 | 1,734 |
| Average earning assets | $465,573,500 | 1,737 |
| Average equity | $38,993,000 | 1,931 |
| Average total loans | $277,654,500 | 1,892 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 2,613 |
| Cost of funding earning assets | 0.5121% | 1,308 |
| Net interest margin | 3.1575% | 2,998 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.7304% | 4,125 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.8098% | 3,293 |
| Return on assets (ROA) | 0.8111% | 3,218 |
| Pretax return on assets | 1.1354% | 2,655 |
| Return on Equity (ROE) | 10.6500% | 2,591 |
| Retained earnings to average equity (ytd only) | 10.6492% | 970 |
| Net charge-offs to loans | 0.5049% | 143 |
| Credit loss provision to net charge-offs | 66.8648% | 1,739 |
| Earnings coverage of net charge-offs (x) | 4.8841% | 2,398 |
| Efficiency ratio | 56.6824% | 3,505 |
| Assets per employee ($millions) | 9.6582% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,671 |
| Loan loss allowance to noncurrent loans | 25.3043% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.5650% | 75 |
| Noncurrent loans to loans | 4.5270% | 67 |
| Net loans and leases to total assets | 55.0200% | 3,116 |
| Net loans and leases to deposits | 67.5943% | 2,759 |
| Net loans and leases to core deposits | 73.7605% | 2,584 |
| Total domestic deposits to total assets | 81.4000% | 3,707 |
| Equity capital to assets | 7.6448% | 3,294 |
| Core capital (leverage) ratio | 8.6348% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7952% | 2,790 |
| Memoranda: | ||
| Average total assets | $500,453,000 | 1,718 |
| Average earning assets | $472,373,000 | 1,695 |
| Average equity | $38,115,600 | 1,990 |
| Average total loans | $266,568,200 | 1,865 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 2,749 |
| Cost of funding earning assets | 0.4163% | 1,184 |
| Net interest margin | 3.0450% | 3,099 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.6689% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9090% | 2,833 |
| Return on assets (ROA) | 0.9106% | 2,803 |
| Pretax return on assets | 1.2751% | 2,125 |
| Return on Equity (ROE) | 11.9300% | 2,055 |
| Retained earnings to average equity (ytd only) | 11.9277% | 813 |
| Net charge-offs to loans | 0.0116% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 207.7391% | 608 |
| Efficiency ratio | 56.6111% | 3,560 |
| Assets per employee ($millions) | 10.1747% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,831 |
| Loan loss allowance to noncurrent loans | 29.2362% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5492% | 80 |
| Noncurrent loans to loans | 4.5941% | 71 |
| Net loans and leases to total assets | 53.4100% | 3,150 |
| Net loans and leases to deposits | 61.6444% | 3,049 |
| Net loans and leases to core deposits | 65.1686% | 3,010 |
| Total domestic deposits to total assets | 86.6400% | 2,876 |
| Equity capital to assets | 7.5273% | 3,207 |
| Core capital (leverage) ratio | 8.4334% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0445% | 2,802 |
| Memoranda: | ||
| Average total assets | $500,440,250 | 1,730 |
| Average earning assets | $472,459,500 | 1,699 |
| Average equity | $38,207,000 | 2,018 |
| Average total loans | $263,980,750 | 1,880 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2307% | 2,952 |
| Cost of funding earning assets | 0.4014% | 904 |
| Net interest margin | 2.8293% | 3,354 |
| Noninterest income to average assets | 0.0894% | 4,529 |
| Noninterest expense to average assets | 1.6625% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7846% | 3,012 |
| Return on assets (ROA) | 0.7871% | 2,973 |
| Pretax return on assets | 1.1028% | 2,400 |
| Return on Equity (ROE) | 10.2619% | 2,239 |
| Retained earnings to average equity (ytd only) | 10.2619% | 957 |
| Net charge-offs to loans | 0.0176% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 119.7826% | 738 |
| Efficiency ratio | 60.0000% | 3,296 |
| Assets per employee ($millions) | 10.1499% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,644 |
| Loan loss allowance to noncurrent loans | 41.6188% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.7774% | 179 |
| Noncurrent loans to loans | 3.4305% | 136 |
| Net loans and leases to total assets | 49.3160% | 3,440 |
| Net loans and leases to deposits | 56.4985% | 3,341 |
| Net loans and leases to core deposits | 59.1966% | 3,331 |
| Total domestic deposits to total assets | 87.2872% | 2,834 |
| Equity capital to assets | 7.3309% | 3,581 |
| Core capital (leverage) ratio | 8.1604% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0545% | 2,801 |
| Memoranda: | ||
| Average total assets | $501,067,667 | 1,723 |
| Average earning assets | $473,331,333 | 1,712 |
| Average equity | $38,433,333 | 2,064 |
| Average total loans | $262,010,667 | 1,886 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 3,191 |
| Cost of funding earning assets | 0.4454% | 676 |
| Net interest margin | 2.5755% | 3,719 |
| Noninterest income to average assets | 0.0892% | 4,547 |
| Noninterest expense to average assets | 1.6390% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6321% | 3,288 |
| Return on assets (ROA) | 0.6371% | 3,251 |
| Pretax return on assets | 0.8910% | 2,808 |
| Return on Equity (ROE) | 8.1233% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.1233% | 1,540 |
| Net charge-offs to loans | 0.0601% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 27.5250% | 1,171 |
| Efficiency ratio | 64.7564% | 2,940 |
| Assets per employee ($millions) | 11.0963% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,046 |
| Loan loss allowance to noncurrent loans | 44.9147% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.6708% | 203 |
| Noncurrent loans to loans | 3.0414% | 173 |
| Net loans and leases to total assets | 52.1723% | 2,974 |
| Net loans and leases to deposits | 60.0649% | 2,904 |
| Net loans and leases to core deposits | 63.0852% | 2,880 |
| Total domestic deposits to total assets | 86.8599% | 2,976 |
| Equity capital to assets | 7.5803% | 3,873 |
| Core capital (leverage) ratio | 8.0020% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9015% | 2,914 |
| Memoranda: | ||
| Average total assets | $497,854,000 | 1,739 |
| Average earning assets | $470,595,000 | 1,728 |
| Average equity | $39,048,000 | 2,093 |
| Average total loans | $266,065,500 | 1,852 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 2,533 |
| Cost of funding earning assets | 0.6094% | 520 |
| Net interest margin | 2.9342% | 3,362 |
| Noninterest income to average assets | 0.1009% | 4,599 |
| Noninterest expense to average assets | 1.7920% | 4,162 |
| Loan and lease loss provision to assets | 0.0930% | 1,339 |
| Net operating income to assets | 0.6308% | 3,805 |
| Return on assets (ROA) | 0.6308% | 3,853 |
| Pretax return on assets | 0.9883% | 3,291 |
| Return on Equity (ROE) | 7.7151% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.7151% | 1,656 |
| Net charge-offs to loans | 0.0800% | 1,004 |
| Credit loss provision to net charge-offs | 190.6780% | 1,337 |
| Earnings coverage of net charge-offs (x) | 22.1610% | 1,805 |
| Efficiency ratio | 62.1861% | 2,845 |
| Assets per employee ($millions) | 10.3411% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,091 |
| Loan loss allowance to noncurrent loans | 46.2240% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6524% | 238 |
| Noncurrent loans to loans | 2.9447% | 202 |
| Net loans and leases to total assets | 53.2584% | 2,938 |
| Net loans and leases to deposits | 61.2473% | 2,964 |
| Net loans and leases to core deposits | 65.7100% | 2,846 |
| Total domestic deposits to total assets | 86.9564% | 2,539 |
| Equity capital to assets | 8.1078% | 4,299 |
| Core capital (leverage) ratio | 7.8704% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0317% | 2,886 |
| Memoranda: | ||
| Average total assets | $483,655,800 | 1,735 |
| Average earning assets | $456,990,600 | 1,722 |
| Average equity | $39,546,000 | 2,096 |
| Average total loans | $295,088,200 | 1,725 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 2,376 |
| Cost of funding earning assets | 0.6446% | 510 |
| Net interest margin | 3.0156% | 3,264 |
| Noninterest income to average assets | 0.0949% | 4,687 |
| Noninterest expense to average assets | 1.8134% | 4,139 |
| Loan and lease loss provision to assets | 0.1249% | 933 |
| Net operating income to assets | 0.6566% | 3,877 |
| Return on assets (ROA) | 0.6566% | 3,932 |
| Pretax return on assets | 1.0037% | 3,444 |
| Return on Equity (ROE) | 8.0124% | 3,402 |
| Retained earnings to average equity (ytd only) | 8.0124% | 2,052 |
| Net charge-offs to loans | -0.0018% | 3,196 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4601% | 2,775 |
| Assets per employee ($millions) | 10.2102% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,016 |
| Loan loss allowance to noncurrent loans | 47.8582% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.6577% | 278 |
| Noncurrent loans to loans | 2.9246% | 228 |
| Net loans and leases to total assets | 55.8864% | 2,738 |
| Net loans and leases to deposits | 64.8186% | 2,752 |
| Net loans and leases to core deposits | 69.8178% | 2,615 |
| Total domestic deposits to total assets | 86.2196% | 2,656 |
| Equity capital to assets | 8.2256% | 4,396 |
| Core capital (leverage) ratio | 7.7123% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9409% | 2,980 |
| Memoranda: | ||
| Average total assets | $480,476,250 | 1,763 |
| Average earning assets | $453,630,500 | 1,748 |
| Average equity | $39,371,250 | 2,130 |
| Average total loans | $301,858,000 | 1,729 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 2,705 |
| Cost of funding earning assets | 0.6732% | 513 |
| Net interest margin | 2.9004% | 3,575 |
| Noninterest income to average assets | 0.0968% | 4,702 |
| Noninterest expense to average assets | 1.7931% | 4,201 |
| Loan and lease loss provision to assets | 0.1886% | 598 |
| Net operating income to assets | 0.5603% | 4,071 |
| Return on assets (ROA) | 0.5603% | 4,124 |
| Pretax return on assets | 0.8523% | 3,762 |
| Return on Equity (ROE) | 6.8463% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.8463% | 2,486 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0785% | 2,560 |
| Assets per employee ($millions) | 9.1736% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,527 |
| Loan loss allowance to noncurrent loans | 37.6065% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.0849% | 201 |
| Noncurrent loans to loans | 3.4095% | 188 |
| Net loans and leases to total assets | 60.3646% | 2,382 |
| Net loans and leases to deposits | 69.9510% | 2,414 |
| Net loans and leases to core deposits | 74.7497% | 2,353 |
| Total domestic deposits to total assets | 86.2956% | 2,633 |
| Equity capital to assets | 7.9853% | 4,543 |
| Core capital (leverage) ratio | 7.5021% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2585% | 3,062 |
| Memoranda: | ||
| Average total assets | $477,272,000 | 1,766 |
| Average earning assets | $450,415,667 | 1,756 |
| Average equity | $39,057,333 | 2,135 |
| Average total loans | $309,883,667 | 1,701 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 2,537 |
| Cost of funding earning assets | 0.7196% | 511 |
| Net interest margin | 2.9146% | 3,478 |
| Noninterest income to average assets | 0.1059% | 4,655 |
| Noninterest expense to average assets | 1.8179% | 4,178 |
| Loan and lease loss provision to assets | 0.2563% | 403 |
| Net operating income to assets | 0.5596% | 4,044 |
| Return on assets (ROA) | 0.5596% | 4,090 |
| Pretax return on assets | 0.7825% | 3,843 |
| Return on Equity (ROE) | 6.7513% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.7513% | 2,652 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4569% | 2,535 |
| Assets per employee ($millions) | 8.1096% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 3,056 |
| Loan loss allowance to noncurrent loans | 33.1911% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.3513% | 184 |
| Noncurrent loans to loans | 3.5450% | 181 |
| Net loans and leases to total assets | 65.5464% | 1,856 |
| Net loans and leases to deposits | 76.5560% | 1,842 |
| Net loans and leases to core deposits | 81.7494% | 1,862 |
| Total domestic deposits to total assets | 85.6188% | 2,887 |
| Equity capital to assets | 8.1038% | 4,430 |
| Core capital (leverage) ratio | 7.8631% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9286% | 3,061 |
| Memoranda: | ||
| Average total assets | $468,221,500 | 1,780 |
| Average earning assets | $441,911,500 | 1,773 |
| Average equity | $38,807,500 | 2,134 |
| Average total loans | $313,368,500 | 1,691 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 1,855 |
| Cost of funding earning assets | 1.3029% | 177 |
| Net interest margin | 3.0025% | 3,877 |
| Noninterest income to average assets | 0.1658% | 4,465 |
| Noninterest expense to average assets | 2.2955% | 3,410 |
| Loan and lease loss provision to assets | 0.2306% | 1,686 |
| Net operating income to assets | 0.3257% | 4,399 |
| Return on assets (ROA) | 0.3301% | 4,454 |
| Pretax return on assets | 0.4614% | 4,337 |
| Return on Equity (ROE) | 3.7000% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.7000% | 2,977 |
| Net charge-offs to loans | 0.0099% | 2,963 |
| Credit loss provision to net charge-offs | 3,392.8571% | 296 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 780 |
| Efficiency ratio | 76.7784% | 1,143 |
| Assets per employee ($millions) | 7.3867% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,415 |
| Loan loss allowance to noncurrent loans | 31.6848% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4038% | 192 |
| Noncurrent loans to loans | 3.5031% | 198 |
| Net loans and leases to total assets | 66.8051% | 1,976 |
| Net loans and leases to deposits | 78.8497% | 1,991 |
| Net loans and leases to core deposits | 85.3363% | 1,925 |
| Total domestic deposits to total assets | 84.7246% | 2,866 |
| Equity capital to assets | 8.4810% | 4,456 |
| Core capital (leverage) ratio | 8.0751% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7926% | 3,088 |
| Memoranda: | ||
| Average total assets | $412,026,400 | 1,822 |
| Average earning assets | $386,448,000 | 1,808 |
| Average equity | $36,757,000 | 2,141 |
| Average total loans | $282,668,000 | 1,758 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 1,723 |
| Cost of funding earning assets | 1.4601% | 138 |
| Net interest margin | 2.9834% | 4,016 |
| Noninterest income to average assets | 0.1611% | 4,493 |
| Noninterest expense to average assets | 2.3484% | 3,290 |
| Loan and lease loss provision to assets | 0.2165% | 1,859 |
| Net operating income to assets | 0.2796% | 4,476 |
| Return on assets (ROA) | 0.2856% | 4,515 |
| Pretax return on assets | 0.3988% | 4,432 |
| Return on Equity (ROE) | 3.1570% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.1570% | 3,449 |
| Net charge-offs to loans | 0.0063% | 2,908 |
| Credit loss provision to net charge-offs | 5,000.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 140.3846% | 635 |
| Efficiency ratio | 79.2342% | 923 |
| Assets per employee ($millions) | 7.3938% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,633 |
| Loan loss allowance to noncurrent loans | 60.2449% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 756 |
| Noncurrent loans to loans | 1.6865% | 814 |
| Net loans and leases to total assets | 70.3245% | 1,901 |
| Net loans and leases to deposits | 83.6835% | 1,940 |
| Net loans and leases to core deposits | 90.3439% | 1,946 |
| Total domestic deposits to total assets | 84.0362% | 2,810 |
| Equity capital to assets | 8.7075% | 4,323 |
| Core capital (leverage) ratio | 8.3341% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9096% | 3,099 |
| Memoranda: | ||
| Average total assets | $400,538,750 | 1,840 |
| Average earning assets | $375,222,750 | 1,828 |
| Average equity | $36,236,000 | 2,154 |
| Average total loans | $275,988,500 | 1,781 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,687 |
| Cost of funding earning assets | 1.5681% | 134 |
| Net interest margin | 3.0142% | 4,091 |
| Noninterest income to average assets | 0.1878% | 4,338 |
| Noninterest expense to average assets | 2.3683% | 3,350 |
| Loan and lease loss provision to assets | 0.2573% | 1,643 |
| Net operating income to assets | 0.2732% | 4,465 |
| Return on assets (ROA) | 0.2825% | 4,486 |
| Pretax return on assets | 0.3952% | 4,419 |
| Return on Equity (ROE) | 3.0797% | 4,331 |
| Retained earnings to average equity (ytd only) | 3.0797% | 3,350 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4847% | 1,005 |
| Assets per employee ($millions) | 8.4544% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,483 |
| Loan loss allowance to noncurrent loans | 59.7382% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 789 |
| Noncurrent loans to loans | 1.7043% | 848 |
| Net loans and leases to total assets | 70.6876% | 1,927 |
| Net loans and leases to deposits | 85.0108% | 1,882 |
| Net loans and leases to core deposits | 91.6791% | 1,933 |
| Total domestic deposits to total assets | 83.1512% | 3,041 |
| Equity capital to assets | 9.0719% | 4,017 |
| Core capital (leverage) ratio | 8.7658% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2768% | 3,127 |
| Memoranda: | ||
| Average total assets | $388,641,000 | 1,852 |
| Average earning assets | $363,746,000 | 1,842 |
| Average equity | $35,653,000 | 2,175 |
| Average total loans | $264,675,667 | 1,818 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,648 |
| Cost of funding earning assets | 1.6958% | 134 |
| Net interest margin | 3.0265% | 4,238 |
| Noninterest income to average assets | 0.1192% | 4,758 |
| Noninterest expense to average assets | 2.3777% | 3,587 |
| Loan and lease loss provision to assets | 0.1596% | 1,813 |
| Net operating income to assets | 0.2959% | 4,356 |
| Return on assets (ROA) | 0.2959% | 4,377 |
| Pretax return on assets | 0.4140% | 4,269 |
| Return on Equity (ROE) | 3.2057% | 4,163 |
| Retained earnings to average equity (ytd only) | 3.2057% | 2,997 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3462% | 1,104 |
| Assets per employee ($millions) | 8.2438% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,363 |
| Loan loss allowance to noncurrent loans | 56.5901% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 806 |
| Noncurrent loans to loans | 1.8852% | 781 |
| Net loans and leases to total assets | 65.0975% | 2,930 |
| Net loans and leases to deposits | 79.7211% | 2,709 |
| Net loans and leases to core deposits | 87.0257% | 2,595 |
| Total domestic deposits to total assets | 81.6565% | 3,510 |
| Equity capital to assets | 8.9823% | 4,609 |
| Core capital (leverage) ratio | 9.2876% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0411% | 3,324 |
| Memoranda: | ||
| Average total assets | $375,827,500 | 1,867 |
| Average earning assets | $351,695,000 | 1,844 |
| Average equity | $34,688,500 | 2,217 |
| Average total loans | $249,089,500 | 1,864 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 1,274 |
| Cost of funding earning assets | 1.6786% | 208 |
| Net interest margin | 3.3956% | 3,759 |
| Noninterest income to average assets | 0.1320% | 4,811 |
| Noninterest expense to average assets | 2.4305% | 3,614 |
| Loan and lease loss provision to assets | 0.1249% | 1,702 |
| Net operating income to assets | 0.5376% | 4,315 |
| Return on assets (ROA) | 0.5587% | 4,324 |
| Pretax return on assets | 0.7817% | 4,010 |
| Return on Equity (ROE) | 5.7256% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.7256% | 2,019 |
| Net charge-offs to loans | 0.2309% | 882 |
| Credit loss provision to net charge-offs | 73.9437% | 2,865 |
| Earnings coverage of net charge-offs (x) | 5.2095% | 3,120 |
| Efficiency ratio | 73.1968% | 1,701 |
| Assets per employee ($millions) | 8.4646% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,435 |
| Loan loss allowance to noncurrent loans | 345.0549% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 3,000 |
| Noncurrent loans to loans | 0.2928% | 3,380 |
| Net loans and leases to total assets | 66.0900% | 2,940 |
| Net loans and leases to deposits | 79.9059% | 2,787 |
| Net loans and leases to core deposits | 89.2277% | 2,490 |
| Total domestic deposits to total assets | 82.7098% | 3,301 |
| Equity capital to assets | 9.4820% | 4,369 |
| Core capital (leverage) ratio | 9.3088% | 4,267 |
| Tier 1 risk-based capital ratio | 10.3824% | 5,052 |
| Total risk-based capital ratio | 11.1412% | 5,097 |
| Memoranda: | ||
| Average total assets | $336,306,600 | 1,955 |
| Average earning assets | $314,790,200 | 1,943 |
| Average equity | $32,817,400 | 2,250 |
| Average total loans | $245,940,800 | 1,849 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 1,339 |
| Cost of funding earning assets | 1.6542% | 241 |
| Net interest margin | 3.4226% | 3,802 |
| Noninterest income to average assets | 0.1369% | 4,850 |
| Noninterest expense to average assets | 2.4472% | 3,576 |
| Loan and lease loss provision to assets | 0.1283% | 1,512 |
| Net operating income to assets | 0.5455% | 4,416 |
| Return on assets (ROA) | 0.5455% | 4,467 |
| Pretax return on assets | 0.7635% | 4,205 |
| Return on Equity (ROE) | 5.5456% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.5456% | 2,600 |
| Net charge-offs to loans | 0.2892% | 609 |
| Credit loss provision to net charge-offs | 59.2105% | 2,718 |
| Earnings coverage of net charge-offs (x) | 4.1146% | 3,041 |
| Efficiency ratio | 73.0600% | 1,691 |
| Assets per employee ($millions) | 9.0263% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,810 |
| Loan loss allowance to noncurrent loans | 375.8462% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 2,678 |
| Noncurrent loans to loans | 0.2538% | 3,630 |
| Net loans and leases to total assets | 70.2559% | 2,431 |
| Net loans and leases to deposits | 85.8868% | 2,202 |
| Net loans and leases to core deposits | 96.9607% | 1,908 |
| Total domestic deposits to total assets | 81.8006% | 3,530 |
| Equity capital to assets | 9.6086% | 4,377 |
| Core capital (leverage) ratio | 9.6822% | 3,993 |
| Tier 1 risk-based capital ratio | 10.5247% | 5,071 |
| Total risk-based capital ratio | 11.2897% | 5,126 |
| Memoranda: | ||
| Average total assets | $327,272,750 | 2,006 |
| Average earning assets | $306,194,250 | 1,994 |
| Average equity | $32,193,000 | 2,302 |
| Average total loans | $245,261,250 | 1,864 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 1,151 |
| Cost of funding earning assets | 1.6229% | 253 |
| Net interest margin | 3.5069% | 3,577 |
| Noninterest income to average assets | 0.1513% | 4,824 |
| Noninterest expense to average assets | 2.5657% | 3,288 |
| Loan and lease loss provision to assets | 0.1329% | 1,403 |
| Net operating income to assets | 0.5190% | 4,489 |
| Return on assets (ROA) | 0.5190% | 4,521 |
| Pretax return on assets | 0.7266% | 4,269 |
| Return on Equity (ROE) | 5.2296% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.2296% | 2,651 |
| Net charge-offs to loans | 0.0497% | 1,938 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 22.6333% | 1,682 |
| Efficiency ratio | 74.6674% | 1,563 |
| Assets per employee ($millions) | 8.4608% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,865 |
| Loan loss allowance to noncurrent loans | 132.6723% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 2,043 |
| Noncurrent loans to loans | 0.8562% | 1,892 |
| Net loans and leases to total assets | 74.1133% | 1,869 |
| Net loans and leases to deposits | 92.9432% | 1,381 |
| Net loans and leases to core deposits | 105.8442% | 1,254 |
| Total domestic deposits to total assets | 79.7404% | 4,087 |
| Equity capital to assets | 9.6805% | 4,248 |
| Core capital (leverage) ratio | 9.6542% | 3,975 |
| Tier 1 risk-based capital ratio | 10.5459% | 5,090 |
| Total risk-based capital ratio | 11.5057% | 5,108 |
| Memoranda: | ||
| Average total assets | $316,013,670 | 2,076 |
| Average earning assets | $295,019,670 | 2,071 |
| Average equity | $31,360,000 | 2,343 |
| Average total loans | $241,647,670 | 1,890 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 1,220 |
| Cost of funding earning assets | 1.5744% | 248 |
| Net interest margin | 3.4733% | 3,670 |
| Noninterest income to average assets | 0.1501% | 4,845 |
| Noninterest expense to average assets | 2.6288% | 3,127 |
| Loan and lease loss provision to assets | 0.1359% | 1,274 |
| Net operating income to assets | 0.4478% | 4,641 |
| Return on assets (ROA) | 0.4478% | 4,661 |
| Pretax return on assets | 0.6265% | 4,465 |
| Return on Equity (ROE) | 4.4547% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.4547% | 3,145 |
| Net charge-offs to loans | 0.1005% | 1,139 |
| Credit loss provision to net charge-offs | 175.0000% | 1,135 |
| Earnings coverage of net charge-offs (x) | 9.8167% | 1,996 |
| Efficiency ratio | 77.2901% | 1,350 |
| Assets per employee ($millions) | 7.7758% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,014 |
| Loan loss allowance to noncurrent loans | 140.7388% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 1,855 |
| Noncurrent loans to loans | 0.7965% | 2,046 |
| Net loans and leases to total assets | 76.7082% | 1,367 |
| Net loans and leases to deposits | 98.3410% | 760 |
| Net loans and leases to core deposits | 111.9507% | 833 |
| Total domestic deposits to total assets | 78.0023% | 4,515 |
| Equity capital to assets | 10.0655% | 3,759 |
| Core capital (leverage) ratio | 9.8606% | 3,751 |
| Tier 1 risk-based capital ratio | 10.9344% | 5,008 |
| Total risk-based capital ratio | 11.9135% | 5,023 |
| Memoranda: | ||
| Average total assets | $309,034,500 | 2,131 |
| Average earning assets | $288,368,000 | 2,122 |
| Average equity | $31,068,500 | 2,352 |
| Average total loans | $238,790,000 | 1,923 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 1,406 |
| Cost of funding earning assets | 1.2898% | 228 |
| Net interest margin | 3.5649% | 3,498 |
| Noninterest income to average assets | 0.1129% | 5,108 |
| Noninterest expense to average assets | 2.4866% | 3,645 |
| Loan and lease loss provision to assets | 0.1577% | 1,310 |
| Net operating income to assets | 0.5707% | 4,499 |
| Return on assets (ROA) | 0.5707% | 4,504 |
| Pretax return on assets | 0.7975% | 4,172 |
| Return on Equity (ROE) | 5.9019% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.9019% | 2,240 |
| Net charge-offs to loans | 0.0404% | 2,596 |
| Credit loss provision to net charge-offs | 517.2414% | 673 |
| Earnings coverage of net charge-offs (x) | 31.3218% | 1,549 |
| Efficiency ratio | 71.9931% | 1,898 |
| Assets per employee ($millions) | 6.5327% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,948 |
| Loan loss allowance to noncurrent loans | 112.9992% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 1,690 |
| Noncurrent loans to loans | 0.9962% | 1,629 |
| Net loans and leases to total assets | 76.0912% | 1,595 |
| Net loans and leases to deposits | 99.0747% | 814 |
| Net loans and leases to core deposits | 112.9298% | 837 |
| Total domestic deposits to total assets | 76.8018% | 4,661 |
| Equity capital to assets | 10.0411% | 3,644 |
| Core capital (leverage) ratio | 9.9393% | 3,663 |
| Tier 1 risk-based capital ratio | 10.8849% | 5,025 |
| Total risk-based capital ratio | 11.8593% | 5,037 |
| Memoranda: | ||
| Average total assets | $285,283,800 | 2,232 |
| Average earning assets | $266,399,400 | 2,218 |
| Average equity | $27,584,200 | 2,478 |
| Average total loans | $215,122,600 | 2,066 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,650 |
| Cost of funding earning assets | 1.2043% | 250 |
| Net interest margin | 3.5042% | 3,686 |
| Noninterest income to average assets | 0.1163% | 5,150 |
| Noninterest expense to average assets | 2.4765% | 3,662 |
| Loan and lease loss provision to assets | 0.1787% | 1,019 |
| Net operating income to assets | 0.5255% | 4,705 |
| Return on assets (ROA) | 0.5255% | 4,709 |
| Pretax return on assets | 0.7342% | 4,460 |
| Return on Equity (ROE) | 5.4930% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.4930% | 2,957 |
| Net charge-offs to loans | 0.0553% | 2,031 |
| Credit loss provision to net charge-offs | 431.0345% | 784 |
| Earnings coverage of net charge-offs (x) | 22.0224% | 1,898 |
| Efficiency ratio | 72.8001% | 1,764 |
| Assets per employee ($millions) | 6.5205% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 2,845 |
| Loan loss allowance to noncurrent loans | 127.6543% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 2,009 |
| Noncurrent loans to loans | 0.9083% | 1,885 |
| Net loans and leases to total assets | 73.4641% | 2,082 |
| Net loans and leases to deposits | 95.2392% | 1,243 |
| Net loans and leases to core deposits | 111.2878% | 950 |
| Total domestic deposits to total assets | 77.1365% | 4,621 |
| Equity capital to assets | 9.0777% | 4,478 |
| Core capital (leverage) ratio | 8.9234% | 4,774 |
| Tier 1 risk-based capital ratio | 9.9592% | 5,385 |
| Total risk-based capital ratio | 10.9503% | 5,392 |
| Memoranda: | ||
| Average total assets | $279,845,500 | 2,282 |
| Average earning assets | $261,391,000 | 2,259 |
| Average equity | $26,772,750 | 2,534 |
| Average total loans | $209,831,250 | 2,098 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 1,786 |
| Cost of funding earning assets | 1.0963% | 293 |
| Net interest margin | 3.5040% | 3,614 |
| Noninterest income to average assets | 0.1303% | 5,156 |
| Noninterest expense to average assets | 2.3914% | 3,920 |
| Loan and lease loss provision to assets | 0.2197% | 746 |
| Net operating income to assets | 0.5653% | 4,601 |
| Return on assets (ROA) | 0.5653% | 4,602 |
| Pretax return on assets | 0.7886% | 4,279 |
| Return on Equity (ROE) | 5.7999% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.7999% | 2,665 |
| Net charge-offs to loans | -0.0565% | 4,962 |
| Credit loss provision to net charge-offs | -517.2414% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0625% | 2,303 |
| Assets per employee ($millions) | 6.2109% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,521 |
| Loan loss allowance to noncurrent loans | 122.2939% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 2,010 |
| Noncurrent loans to loans | 1.0101% | 1,733 |
| Net loans and leases to total assets | 72.7153% | 2,166 |
| Net loans and leases to deposits | 91.9653% | 1,586 |
| Net loans and leases to core deposits | 107.7553% | 1,132 |
| Total domestic deposits to total assets | 79.0682% | 4,417 |
| Equity capital to assets | 9.2685% | 4,318 |
| Core capital (leverage) ratio | 9.5139% | 4,103 |
| Tier 1 risk-based capital ratio | 9.9632% | 5,440 |
| Total risk-based capital ratio | 11.0002% | 5,433 |
| Memoranda: | ||
| Average total assets | $273,145,670 | 2,329 |
| Average earning assets | $254,852,330 | 2,321 |
| Average equity | $26,621,000 | 2,554 |
| Average total loans | $205,462,670 | 2,147 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 1,947 |
| Cost of funding earning assets | 1.0505% | 296 |
| Net interest margin | 3.4236% | 3,805 |
| Noninterest income to average assets | 0.2108% | 4,754 |
| Noninterest expense to average assets | 2.2975% | 4,197 |
| Loan and lease loss provision to assets | 0.2502% | 591 |
| Net operating income to assets | 0.6081% | 4,405 |
| Return on assets (ROA) | 0.6081% | 4,410 |
| Pretax return on assets | 0.8508% | 4,006 |
| Return on Equity (ROE) | 6.0750% | 4,134 |
| Retained earnings to average equity (ytd only) | 6.0750% | 2,674 |
| Net charge-offs to loans | -0.1136% | 5,247 |
| Credit loss provision to net charge-offs | -289.4737% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3360% | 2,948 |
| Assets per employee ($millions) | 7.2111% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,543 |
| Loan loss allowance to noncurrent loans | 195.1201% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 2,692 |
| Noncurrent loans to loans | 0.6382% | 2,628 |
| Net loans and leases to total assets | 74.8669% | 1,731 |
| Net loans and leases to deposits | 94.4418% | 1,194 |
| Net loans and leases to core deposits | 112.9722% | 844 |
| Total domestic deposits to total assets | 79.2730% | 4,534 |
| Equity capital to assets | 9.9587% | 3,635 |
| Core capital (leverage) ratio | 9.7125% | 3,830 |
| Tier 1 risk-based capital ratio | 10.6296% | 5,306 |
| Total risk-based capital ratio | 11.7015% | 5,282 |
| Memoranda: | ||
| Average total assets | $263,761,500 | 2,417 |
| Average earning assets | $245,588,000 | 2,416 |
| Average equity | $26,403,500 | 2,584 |
| Average total loans | $200,733,500 | 2,191 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,774 |
| Cost of funding earning assets | 0.9652% | 262 |
| Net interest margin | 3.5171% | 3,476 |
| Noninterest income to average assets | 0.0551% | 5,520 |
| Noninterest expense to average assets | 2.5529% | 3,597 |
| Loan and lease loss provision to assets | 0.1389% | 1,648 |
| Net operating income to assets | 0.2529% | 5,017 |
| Return on assets (ROA) | 0.2529% | 5,033 |
| Pretax return on assets | 0.6401% | 4,647 |
| Return on Equity (ROE) | 2.5203% | 4,944 |
| Retained earnings to average equity (ytd only) | 2.5203% | 3,818 |
| Net charge-offs to loans | 0.0708% | 2,438 |
| Credit loss provision to net charge-offs | 259.6899% | 1,070 |
| Earnings coverage of net charge-offs (x) | 14.5659% | 2,320 |
| Efficiency ratio | 76.3096% | 1,573 |
| Assets per employee ($millions) | 7.2420% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,038 |
| Loan loss allowance to noncurrent loans | 213.8734% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 2,727 |
| Noncurrent loans to loans | 0.5392% | 2,883 |
| Net loans and leases to total assets | 75.5232% | 1,678 |
| Net loans and leases to deposits | 96.6598% | 1,025 |
| Net loans and leases to core deposits | 112.1747% | 889 |
| Total domestic deposits to total assets | 78.1330% | 4,696 |
| Equity capital to assets | 10.0632% | 3,629 |
| Core capital (leverage) ratio | 10.0116% | 3,445 |
| Tier 1 risk-based capital ratio | 10.8340% | 5,243 |
| Total risk-based capital ratio | 11.8499% | 5,234 |
| Memoranda: | ||
| Average total assets | $241,213,800 | 2,557 |
| Average earning assets | $224,729,800 | 2,549 |
| Average equity | $24,203,200 | 2,736 |
| Average total loans | $182,097,600 | 2,305 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 1,852 |
| Cost of funding earning assets | 0.9503% | 257 |
| Net interest margin | 3.4823% | 3,560 |
| Noninterest income to average assets | 0.0468% | 5,618 |
| Noninterest expense to average assets | 2.5686% | 3,504 |
| Loan and lease loss provision to assets | 0.1044% | 2,024 |
| Net operating income to assets | 0.6036% | 4,378 |
| Return on assets (ROA) | 0.6036% | 4,421 |
| Pretax return on assets | 0.6194% | 4,805 |
| Return on Equity (ROE) | 6.0208% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.0208% | 2,218 |
| Net charge-offs to loans | 0.0780% | 2,026 |
| Credit loss provision to net charge-offs | 177.8846% | 1,486 |
| Earnings coverage of net charge-offs (x) | 12.3368% | 2,433 |
| Efficiency ratio | 77.6902% | 1,368 |
| Assets per employee ($millions) | 7.3119% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 3,333 |
| Loan loss allowance to noncurrent loans | 129.5170% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 2,101 |
| Noncurrent loans to loans | 0.8698% | 2,198 |
| Net loans and leases to total assets | 76.6850% | 1,473 |
| Net loans and leases to deposits | 97.3607% | 979 |
| Net loans and leases to core deposits | 114.4997% | 811 |
| Total domestic deposits to total assets | 78.7638% | 4,581 |
| Equity capital to assets | 10.7633% | 3,105 |
| Core capital (leverage) ratio | 10.1522% | 3,375 |
| Tier 1 risk-based capital ratio | 11.0492% | 5,217 |
| Total risk-based capital ratio | 12.0428% | 5,259 |
| Memoranda: | ||
| Average total assets | $236,339,250 | 2,614 |
| Average earning assets | $220,270,000 | 2,601 |
| Average equity | $23,695,000 | 2,812 |
| Average total loans | $177,823,250 | 2,360 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,104 |
| Cost of funding earning assets | 0.9415% | 237 |
| Net interest margin | 3.3642% | 3,895 |
| Noninterest income to average assets | 0.0749% | 5,585 |
| Noninterest expense to average assets | 2.6084% | 3,409 |
| Loan and lease loss provision to assets | 0.0301% | 3,398 |
| Net operating income to assets | 0.5615% | 4,466 |
| Return on assets (ROA) | 0.5615% | 4,514 |
| Pretax return on assets | 0.5813% | 4,842 |
| Return on Equity (ROE) | 5.7511% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.7511% | 2,260 |
| Net charge-offs to loans | 0.1204% | 1,445 |
| Credit loss provision to net charge-offs | 33.6538% | 2,695 |
| Earnings coverage of net charge-offs (x) | 6.8269% | 2,666 |
| Efficiency ratio | 80.6633% | 1,138 |
| Assets per employee ($millions) | 7.0991% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,681 |
| Loan loss allowance to noncurrent loans | 79.5124% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 1,322 |
| Noncurrent loans to loans | 1.3619% | 1,423 |
| Net loans and leases to total assets | 76.5249% | 1,462 |
| Net loans and leases to deposits | 93.9197% | 1,273 |
| Net loans and leases to core deposits | 110.6247% | 974 |
| Total domestic deposits to total assets | 81.4791% | 4,053 |
| Equity capital to assets | 10.9156% | 2,908 |
| Core capital (leverage) ratio | 10.5055% | 2,906 |
| Tier 1 risk-based capital ratio | 11.4222% | 5,008 |
| Total risk-based capital ratio | 12.3954% | 5,063 |
| Memoranda: | ||
| Average total assets | $232,251,000 | 2,659 |
| Average earning assets | $217,111,330 | 2,639 |
| Average equity | $22,674,000 | 2,914 |
| Average total loans | $172,826,330 | 2,419 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,420 |
| Cost of funding earning assets | 0.9337% | 233 |
| Net interest margin | 3.2277% | 4,253 |
| Noninterest income to average assets | 0.0668% | 5,683 |
| Noninterest expense to average assets | 2.5614% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5235% | 4,502 |
| Return on assets (ROA) | 0.5235% | 4,537 |
| Pretax return on assets | 0.5235% | 4,920 |
| Return on Equity (ROE) | 5.7205% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.7205% | 2,483 |
| Net charge-offs to loans | 0.1254% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.7308% | 2,262 |
| Efficiency ratio | 82.6879% | 1,097 |
| Assets per employee ($millions) | 6.6168% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,024 |
| Loan loss allowance to noncurrent loans | 180.2829% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 2,508 |
| Noncurrent loans to loans | 0.6756% | 2,827 |
| Net loans and leases to total assets | 71.4088% | 2,151 |
| Net loans and leases to deposits | 85.9779% | 2,033 |
| Net loans and leases to core deposits | 101.3899% | 1,413 |
| Total domestic deposits to total assets | 83.0549% | 3,813 |
| Equity capital to assets | 9.0635% | 4,749 |
| Core capital (leverage) ratio | 8.3522% | 5,340 |
| Tier 1 risk-based capital ratio | 9.7373% | 5,747 |
| Total risk-based capital ratio | 10.8180% | 5,754 |
| Memoranda: | ||
| Average total assets | $227,691,000 | 2,724 |
| Average earning assets | $212,905,000 | 2,697 |
| Average equity | $20,837,500 | 3,092 |
| Average total loans | $165,874,000 | 2,504 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 1,443 |
| Cost of funding earning assets | 0.9595% | 216 |
| Net interest margin | 3.5734% | 3,174 |
| Noninterest income to average assets | -0.2178% | 5,899 |
| Noninterest expense to average assets | 2.5949% | 3,686 |
| Loan and lease loss provision to assets | -0.2812% | 5,833 |
| Net operating income to assets | 1.9880% | 323 |
| Return on assets (ROA) | 1.9880% | 342 |
| Pretax return on assets | 0.8253% | 4,111 |
| Return on Equity (ROE) | 19.8976% | 215 |
| Retained earnings to average equity (ytd only) | 19.8976% | 50 |
| Net charge-offs to loans | -0.0123% | 4,994 |
| Credit loss provision to net charge-offs | 2,833.3333% | 148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6660% | 1,126 |
| Assets per employee ($millions) | 6.2165% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,692 |
| Loan loss allowance to noncurrent loans | 150.5400% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 2,210 |
| Noncurrent loans to loans | 0.8452% | 2,412 |
| Net loans and leases to total assets | 72.4969% | 2,093 |
| Net loans and leases to deposits | 89.7163% | 1,716 |
| Net loans and leases to core deposits | 105.6125% | 1,155 |
| Total domestic deposits to total assets | 80.8068% | 4,385 |
| Equity capital to assets | 9.2429% | 4,523 |
| Core capital (leverage) ratio | 9.6166% | 3,943 |
| Tier 1 risk-based capital ratio | 10.3664% | 5,628 |
| Total risk-based capital ratio | 11.5627% | 5,589 |
| Memoranda: | ||
| Average total assets | $181,390,800 | 3,150 |
| Average earning assets | $170,400,000 | 3,107 |
| Average equity | $18,122,800 | 3,386 |
| Average total loans | $146,934,600 | 2,679 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,127 |
| Cost of funding earning assets | 0.9764% | 191 |
| Net interest margin | 3.6956% | 2,732 |
| Noninterest income to average assets | -0.3255% | 5,972 |
| Noninterest expense to average assets | 2.6675% | 3,437 |
| Loan and lease loss provision to assets | -0.3981% | 5,935 |
| Net operating income to assets | 0.8743% | 3,035 |
| Return on assets (ROA) | 0.8743% | 3,161 |
| Pretax return on assets | 0.8829% | 4,039 |
| Return on Equity (ROE) | 8.5418% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.5418% | 966 |
| Net charge-offs to loans | -0.0168% | 4,951 |
| Credit loss provision to net charge-offs | 2,833.3333% | 176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6211% | 936 |
| Assets per employee ($millions) | 8.0477% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,306 |
| Loan loss allowance to noncurrent loans | 108.6234% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 1,439 |
| Noncurrent loans to loans | 1.2680% | 1,769 |
| Net loans and leases to total assets | 80.8862% | 773 |
| Net loans and leases to deposits | 107.9080% | 308 |
| Net loans and leases to core deposits | 119.6490% | 518 |
| Total domestic deposits to total assets | 74.9585% | 5,344 |
| Equity capital to assets | 9.8991% | 4,241 |
| Core capital (leverage) ratio | 9.9454% | 3,635 |
| Tier 1 risk-based capital ratio | 10.8063% | 5,469 |
| Total risk-based capital ratio | 12.0594% | 5,379 |
| Memoranda: | ||
| Average total assets | $170,790,250 | 3,287 |
| Average earning assets | $160,725,500 | 3,241 |
| Average equity | $17,482,250 | 3,513 |
| Average total loans | $142,584,750 | 2,747 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,060 |
| Cost of funding earning assets | 0.9654% | 203 |
| Net interest margin | 3.7295% | 2,582 |
| Noninterest income to average assets | -0.5240% | 6,050 |
| Noninterest expense to average assets | 2.6804% | 3,449 |
| Loan and lease loss provision to assets | -0.6144% | 6,028 |
| Net operating income to assets | 0.9011% | 2,858 |
| Return on assets (ROA) | 0.9011% | 2,990 |
| Pretax return on assets | 0.9143% | 3,897 |
| Return on Equity (ROE) | 8.6967% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.6967% | 938 |
| Net charge-offs to loans | -0.0029% | 4,419 |
| Credit loss provision to net charge-offs | 25,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9353% | 604 |
| Assets per employee ($millions) | 7.6887% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,278 |
| Loan loss allowance to noncurrent loans | 154.6200% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.0552% | 2,012 |
| Noncurrent loans to loans | 0.9083% | 2,470 |
| Net loans and leases to total assets | 82.3727% | 589 |
| Net loans and leases to deposits | 108.8196% | 281 |
| Net loans and leases to core deposits | 120.9266% | 492 |
| Total domestic deposits to total assets | 75.6965% | 5,324 |
| Equity capital to assets | 10.1312% | 4,054 |
| Core capital (leverage) ratio | 10.2937% | 3,203 |
| Tier 1 risk-based capital ratio | 11.0116% | 5,417 |
| Total risk-based capital ratio | 12.2651% | 5,336 |
| Memoranda: | ||
| Average total assets | $166,021,330 | 3,367 |
| Average earning assets | $155,998,330 | 3,324 |
| Average equity | $17,202,000 | 3,561 |
| Average total loans | $139,510,000 | 2,797 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 795 |
| Cost of funding earning assets | 0.9616% | 208 |
| Net interest margin | 3.8705% | 2,033 |
| Noninterest income to average assets | -1.1381% | 6,118 |
| Noninterest expense to average assets | 2.8018% | 3,062 |
| Loan and lease loss provision to assets | -1.2701% | 6,111 |
| Net operating income to assets | 0.9464% | 2,526 |
| Return on assets (ROA) | 0.9464% | 2,641 |
| Pretax return on assets | 0.9588% | 3,627 |
| Return on Equity (ROE) | 9.0234% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.0234% | 1,109 |
| Net charge-offs to loans | -0.0059% | 4,346 |
| Credit loss provision to net charge-offs | 25,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 142 |
| Assets per employee ($millions) | 7.1812% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,984 |
| Loan loss allowance to noncurrent loans | 154.2751% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 1,954 |
| Noncurrent loans to loans | 0.9727% | 2,437 |
| Net loans and leases to total assets | 82.4597% | 512 |
| Net loans and leases to deposits | 105.1081% | 369 |
| Net loans and leases to core deposits | 116.2041% | 582 |
| Total domestic deposits to total assets | 78.4522% | 5,067 |
| Equity capital to assets | 10.6183% | 3,347 |
| Core capital (leverage) ratio | 10.4569% | 3,014 |
| Tier 1 risk-based capital ratio | 11.5930% | 5,176 |
| Total risk-based capital ratio | 12.8478% | 5,076 |
| Memoranda: | ||
| Average total assets | $160,612,500 | 3,439 |
| Average earning assets | $150,575,000 | 3,418 |
| Average equity | $16,845,000 | 3,617 |
| Average total loans | $135,394,000 | 2,857 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 1,145 |
| Cost of funding earning assets | 0.8142% | 455 |
| Net interest margin | 3.8670% | 2,140 |
| Noninterest income to average assets | -0.2592% | 6,166 |
| Noninterest expense to average assets | 2.3919% | 4,531 |
| Loan and lease loss provision to assets | 0.2052% | 1,039 |
| Net operating income to assets | 0.7852% | 3,399 |
| Return on assets (ROA) | 0.7852% | 3,476 |
| Pretax return on assets | 0.7852% | 4,237 |
| Return on Equity (ROE) | 7.3800% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.3800% | 1,134 |
| Net charge-offs to loans | 0.4387% | 629 |
| Credit loss provision to net charge-offs | 56.3910% | 3,305 |
| Earnings coverage of net charge-offs (x) | 2.7218% | 3,842 |
| Efficiency ratio | 70.7179% | 3,107 |
| Assets per employee ($millions) | 7.4313% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 879 |
| Loan loss allowance to noncurrent loans | 310.0840% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 2,498 |
| Noncurrent loans to loans | 0.6286% | 3,299 |
| Net loans and leases to total assets | 83.2600% | 462 |
| Net loans and leases to deposits | 108.2919% | 290 |
| Net loans and leases to core deposits | 119.3864% | 491 |
| Total domestic deposits to total assets | 76.8847% | 5,333 |
| Equity capital to assets | 10.3501% | 3,567 |
| Core capital (leverage) ratio | 9.9881% | 3,527 |
| Tier 1 risk-based capital ratio | 10.9715% | 5,532 |
| Total risk-based capital ratio | 12.2335% | 5,433 |
| Memoranda: | ||
| Average total assets | $146,199,400 | 3,626 |
| Average earning assets | $137,679,400 | 3,568 |
| Average equity | $15,555,600 | 3,754 |
| Average total loans | $121,279,800 | 3,031 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,307 |
| Cost of funding earning assets | 0.7876% | 531 |
| Net interest margin | 3.8218% | 2,301 |
| Noninterest income to average assets | -0.2931% | 6,256 |
| Noninterest expense to average assets | 2.2828% | 4,823 |
| Loan and lease loss provision to assets | 0.2783% | 565 |
| Net operating income to assets | 0.7514% | 3,675 |
| Return on assets (ROA) | 0.7514% | 3,769 |
| Pretax return on assets | 0.7514% | 4,488 |
| Return on Equity (ROE) | 7.0098% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.0098% | 1,678 |
| Net charge-offs to loans | 0.6010% | 374 |
| Credit loss provision to net charge-offs | 56.1798% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.0787% | 3,734 |
| Efficiency ratio | 68.9163% | 3,391 |
| Assets per employee ($millions) | 8.8621% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 862 |
| Loan loss allowance to noncurrent loans | 620.4327% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 2,851 |
| Noncurrent loans to loans | 0.3285% | 4,431 |
| Net loans and leases to total assets | 82.3313% | 542 |
| Net loans and leases to deposits | 108.7166% | 283 |
| Net loans and leases to core deposits | 118.4995% | 513 |
| Total domestic deposits to total assets | 75.7301% | 5,536 |
| Equity capital to assets | 10.5100% | 3,590 |
| Core capital (leverage) ratio | 10.3408% | 3,207 |
| Tier 1 risk-based capital ratio | 11.2151% | 5,543 |
| Total risk-based capital ratio | 12.4776% | 5,431 |
| Memoranda: | ||
| Average total assets | $143,735,000 | 3,689 |
| Average earning assets | $135,605,250 | 3,639 |
| Average equity | $15,406,500 | 3,806 |
| Average total loans | $118,470,750 | 3,098 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 1,301 |
| Cost of funding earning assets | 0.7626% | 603 |
| Net interest margin | 3.8294% | 2,205 |
| Noninterest income to average assets | -0.3380% | 6,329 |
| Noninterest expense to average assets | 2.2556% | 4,960 |
| Loan and lease loss provision to assets | 0.3535% | 375 |
| Net operating income to assets | 0.6745% | 4,005 |
| Return on assets (ROA) | 0.6745% | 4,117 |
| Pretax return on assets | 0.6745% | 4,738 |
| Return on Equity (ROE) | 6.2500% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.2500% | 2,091 |
| Net charge-offs to loans | 0.7516% | 300 |
| Credit loss provision to net charge-offs | 57.4713% | 2,618 |
| Earnings coverage of net charge-offs (x) | 1.6713% | 3,473 |
| Efficiency ratio | 68.6908% | 3,556 |
| Assets per employee ($millions) | 9.6933% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3107% | 626 |
| Loan loss allowance to noncurrent loans | 305.4588% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 2,011 |
| Noncurrent loans to loans | 0.7565% | 3,223 |
| Net loans and leases to total assets | 76.4704% | 1,300 |
| Net loans and leases to deposits | 96.4320% | 920 |
| Net loans and leases to core deposits | 104.9974% | 1,126 |
| Total domestic deposits to total assets | 79.2999% | 5,027 |
| Equity capital to assets | 10.6596% | 3,261 |
| Core capital (leverage) ratio | 10.3589% | 3,136 |
| Tier 1 risk-based capital ratio | 12.4709% | 4,828 |
| Total risk-based capital ratio | 13.7332% | 4,732 |
| Memoranda: | ||
| Average total assets | $141,428,000 | 3,758 |
| Average earning assets | $133,756,000 | 3,696 |
| Average equity | $15,264,000 | 3,847 |
| Average total loans | $115,755,000 | 3,159 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 1,141 |
| Cost of funding earning assets | 0.7115% | 809 |
| Net interest margin | 3.9299% | 1,790 |
| Noninterest income to average assets | -0.4618% | 6,396 |
| Noninterest expense to average assets | 2.2690% | 4,949 |
| Loan and lease loss provision to assets | 0.3586% | 355 |
| Net operating income to assets | 0.6340% | 4,122 |
| Return on assets (ROA) | 0.6340% | 4,246 |
| Pretax return on assets | 0.6340% | 4,817 |
| Return on Equity (ROE) | 5.8363% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.8363% | 2,587 |
| Net charge-offs to loans | 1.5044% | 125 |
| Credit loss provision to net charge-offs | 28.4738% | 2,288 |
| Earnings coverage of net charge-offs (x) | 0.7882% | 3,009 |
| Efficiency ratio | 69.5690% | 3,562 |
| Assets per employee ($millions) | 9.4985% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0957% | 927 |
| Loan loss allowance to noncurrent loans | 125.5522% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 2.2088% | 1,043 |
| Noncurrent loans to loans | 1.6692% | 1,659 |
| Net loans and leases to total assets | 82.0035% | 460 |
| Net loans and leases to deposits | 106.9339% | 285 |
| Net loans and leases to core deposits | 114.8828% | 551 |
| Total domestic deposits to total assets | 76.6862% | 5,664 |
| Equity capital to assets | 10.7153% | 3,306 |
| Core capital (leverage) ratio | 10.4394% | 3,045 |
| Tier 1 risk-based capital ratio | 11.9147% | 5,294 |
| Total risk-based capital ratio | 13.1798% | 5,176 |
| Memoranda: | ||
| Average total assets | $139,442,000 | 3,823 |
| Average earning assets | $132,114,500 | 3,746 |
| Average equity | $15,146,500 | 3,894 |
| Average total loans | $116,723,500 | 3,150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 1,360 |
| Cost of funding earning assets | 0.6565% | 1,367 |
| Net interest margin | 4.0214% | 1,837 |
| Noninterest income to average assets | -0.2287% | 6,478 |
| Noninterest expense to average assets | 2.5722% | 4,319 |
| Loan and lease loss provision to assets | 0.5006% | 304 |
| Net operating income to assets | 0.5429% | 4,628 |
| Return on assets (ROA) | 0.5422% | 4,717 |
| Pretax return on assets | 0.5422% | 5,130 |
| Return on Equity (ROE) | 4.8675% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.8675% | 2,702 |
| Net charge-offs to loans | 0.9750% | 315 |
| Credit loss provision to net charge-offs | 60.9185% | 3,272 |
| Earnings coverage of net charge-offs (x) | 1.2699% | 4,454 |
| Efficiency ratio | 71.1395% | 3,350 |
| Assets per employee ($millions) | 7.5781% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4669% | 575 |
| Loan loss allowance to noncurrent loans | 124.7784% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.9595% | 693 |
| Noncurrent loans to loans | 1.9771% | 1,411 |
| Net loans and leases to total assets | 81.5903% | 565 |
| Net loans and leases to deposits | 108.6537% | 280 |
| Net loans and leases to core deposits | 117.3096% | 492 |
| Total domestic deposits to total assets | 75.0920% | 5,849 |
| Equity capital to assets | 11.0156% | 2,880 |
| Core capital (leverage) ratio | 10.9227% | 2,475 |
| Tier 1 risk-based capital ratio | 12.3678% | 5,115 |
| Total risk-based capital ratio | 13.6326% | 5,029 |
| Memoranda: | ||
| Average total assets | $129,851,400 | 3,978 |
| Average earning assets | $124,135,600 | 3,881 |
| Average equity | $14,463,400 | 3,944 |
| Average total loans | $109,441,200 | 3,232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,451 |
| Cost of funding earning assets | 0.6531% | 1,440 |
| Net interest margin | 3.9903% | 1,913 |
| Noninterest income to average assets | -0.1695% | 6,546 |
| Noninterest expense to average assets | 2.5114% | 4,492 |
| Loan and lease loss provision to assets | 0.6239% | 217 |
| Net operating income to assets | 0.5200% | 4,805 |
| Return on assets (ROA) | 0.5189% | 4,870 |
| Pretax return on assets | 0.5189% | 5,267 |
| Return on Equity (ROE) | 4.6452% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.6452% | 3,329 |
| Net charge-offs to loans | 1.2499% | 212 |
| Credit loss provision to net charge-offs | 59.1133% | 2,947 |
| Earnings coverage of net charge-offs (x) | 1.0837% | 4,241 |
| Efficiency ratio | 68.7055% | 3,724 |
| Assets per employee ($millions) | 7.2994% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5215% | 633 |
| Loan loss allowance to noncurrent loans | 113.9563% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 3.2742% | 678 |
| Noncurrent loans to loans | 2.2127% | 1,371 |
| Net loans and leases to total assets | 82.8861% | 419 |
| Net loans and leases to deposits | 109.7922% | 226 |
| Net loans and leases to core deposits | 116.8097% | 474 |
| Total domestic deposits to total assets | 75.4936% | 5,871 |
| Equity capital to assets | 11.2832% | 2,675 |
| Core capital (leverage) ratio | 10.9313% | 2,554 |
| Tier 1 risk-based capital ratio | 12.6122% | 5,100 |
| Total risk-based capital ratio | 13.8784% | 5,003 |
| Memoranda: | ||
| Average total assets | $128,212,750 | 4,039 |
| Average earning assets | $122,894,250 | 3,931 |
| Average equity | $14,322,750 | 3,994 |
| Average total loans | $108,274,250 | 3,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 1,544 |
| Cost of funding earning assets | 0.6507% | 1,512 |
| Net interest margin | 3.9434% | 1,999 |
| Noninterest income to average assets | -0.0094% | 6,567 |
| Noninterest expense to average assets | 2.5166% | 4,534 |
| Loan and lease loss provision to assets | 0.7864% | 158 |
| Net operating income to assets | 0.4813% | 4,891 |
| Return on assets (ROA) | 0.4797% | 4,964 |
| Pretax return on assets | 0.4797% | 5,335 |
| Return on Equity (ROE) | 4.3093% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.3093% | 3,427 |
| Net charge-offs to loans | 1.5459% | 174 |
| Credit loss provision to net charge-offs | 60.3865% | 2,630 |
| Earnings coverage of net charge-offs (x) | 0.9734% | 3,925 |
| Efficiency ratio | 66.5004% | 4,284 |
| Assets per employee ($millions) | 7.0907% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7015% | 535 |
| Loan loss allowance to noncurrent loans | 75.4678% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.2304% | 763 |
| Noncurrent loans to loans | 3.5796% | 732 |
| Net loans and leases to total assets | 81.9482% | 470 |
| Net loans and leases to deposits | 104.9340% | 338 |
| Net loans and leases to core deposits | 112.8040% | 575 |
| Total domestic deposits to total assets | 78.0950% | 5,619 |
| Equity capital to assets | 11.4743% | 2,451 |
| Core capital (leverage) ratio | 10.9197% | 2,508 |
| Tier 1 risk-based capital ratio | 13.2941% | 4,723 |
| Total risk-based capital ratio | 14.5637% | 4,646 |
| Memoranda: | ||
| Average total assets | $127,153,670 | 4,090 |
| Average earning assets | $122,331,330 | 3,963 |
| Average equity | $14,155,330 | 4,023 |
| Average total loans | $107,125,330 | 3,306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 1,655 |
| Cost of funding earning assets | 0.6529% | 1,566 |
| Net interest margin | 3.8944% | 2,108 |
| Noninterest income to average assets | 0.1418% | 6,127 |
| Noninterest expense to average assets | 2.7168% | 3,882 |
| Loan and lease loss provision to assets | 0.7091% | 170 |
| Net operating income to assets | 0.4570% | 4,904 |
| Return on assets (ROA) | 0.4539% | 4,991 |
| Pretax return on assets | 0.4539% | 5,300 |
| Return on Equity (ROE) | 4.1408% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.1408% | 3,648 |
| Net charge-offs to loans | 2.0759% | 125 |
| Credit loss provision to net charge-offs | 40.5405% | 2,293 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 3,285 |
| Efficiency ratio | 69.9675% | 3,844 |
| Assets per employee ($millions) | 7.0428% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7330% | 597 |
| Loan loss allowance to noncurrent loans | 74.0873% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.3809% | 779 |
| Noncurrent loans to loans | 3.6889% | 764 |
| Net loans and leases to total assets | 81.4704% | 399 |
| Net loans and leases to deposits | 104.3053% | 282 |
| Net loans and leases to core deposits | 110.6801% | 562 |
| Total domestic deposits to total assets | 78.1076% | 5,822 |
| Equity capital to assets | 11.4238% | 2,311 |
| Core capital (leverage) ratio | 10.8698% | 2,526 |
| Tier 1 risk-based capital ratio | 12.9460% | 5,035 |
| Total risk-based capital ratio | 14.2141% | 4,959 |
| Memoranda: | ||
| Average total assets | $126,914,000 | 4,126 |
| Average earning assets | $121,919,000 | 4,001 |
| Average equity | $13,910,500 | 4,061 |
| Average total loans | $106,939,500 | 3,319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,590 |
| Cost of funding earning assets | 0.6947% | 1,857 |
| Net interest margin | 3.9992% | 1,946 |
| Noninterest income to average assets | 0.3478% | 4,832 |
| Noninterest expense to average assets | 3.5164% | 1,615 |
| Loan and lease loss provision to assets | 0.1605% | 2,276 |
| Net operating income to assets | 0.4753% | 4,837 |
| Return on assets (ROA) | 0.4753% | 4,985 |
| Pretax return on assets | 0.4753% | 5,276 |
| Return on Equity (ROE) | 4.2043% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.2043% | 3,183 |
| Net charge-offs to loans | 1.5812% | 291 |
| Credit loss provision to net charge-offs | 12.1457% | 4,561 |
| Earnings coverage of net charge-offs (x) | 0.4811% | 4,920 |
| Efficiency ratio | 84.6864% | 1,551 |
| Assets per employee ($millions) | 5.7754% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0010% | 469 |
| Loan loss allowance to noncurrent loans | 60.3999% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 5.0906% | 458 |
| Noncurrent loans to loans | 4.9686% | 510 |
| Net loans and leases to total assets | 82.2184% | 398 |
| Net loans and leases to deposits | 101.0515% | 435 |
| Net loans and leases to core deposits | 106.9472% | 747 |
| Total domestic deposits to total assets | 81.3628% | 5,083 |
| Equity capital to assets | 10.4984% | 3,162 |
| Core capital (leverage) ratio | 10.6480% | 2,729 |
| Tier 1 risk-based capital ratio | 11.7813% | 5,759 |
| Total risk-based capital ratio | 13.0536% | 5,672 |
| Memoranda: | ||
| Average total assets | $112,131,800 | 4,454 |
| Average earning assets | $106,670,400 | 4,344 |
| Average equity | $12,677,600 | 4,317 |
| Average total loans | $93,728,200 | 3,607 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,603 |
| Cost of funding earning assets | 0.7112% | 1,877 |
| Net interest margin | 3.9860% | 1,994 |
| Noninterest income to average assets | 0.3936% | 4,579 |
| Noninterest expense to average assets | 3.5952% | 1,408 |
| Loan and lease loss provision to assets | 0.1906% | 1,921 |
| Net operating income to assets | 0.3924% | 5,272 |
| Return on assets (ROA) | 0.3924% | 5,410 |
| Pretax return on assets | 0.3924% | 5,644 |
| Return on Equity (ROE) | 3.3992% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.3992% | 4,270 |
| Net charge-offs to loans | 1.5721% | 280 |
| Credit loss provision to net charge-offs | 14.5677% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.4455% | 4,714 |
| Efficiency ratio | 86.0465% | 1,359 |
| Assets per employee ($millions) | 4.5879% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9328% | 252 |
| Loan loss allowance to noncurrent loans | 60.3865% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 6.8596% | 307 |
| Noncurrent loans to loans | 6.5127% | 349 |
| Net loans and leases to total assets | 80.4194% | 505 |
| Net loans and leases to deposits | 93.6264% | 852 |
| Net loans and leases to core deposits | 95.9694% | 1,396 |
| Total domestic deposits to total assets | 85.8940% | 3,320 |
| Equity capital to assets | 11.9200% | 1,970 |
| Core capital (leverage) ratio | 11.4522% | 2,082 |
| Tier 1 risk-based capital ratio | 13.1642% | 5,006 |
| Total risk-based capital ratio | 14.4463% | 4,929 |
| Memoranda: | ||
| Average total assets | $108,400,250 | 4,578 |
| Average earning assets | $102,924,500 | 4,479 |
| Average equity | $12,512,250 | 4,394 |
| Average total loans | $90,236,000 | 3,707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 1,488 |
| Cost of funding earning assets | 0.7272% | 1,865 |
| Net interest margin | 4.0036% | 1,845 |
| Noninterest income to average assets | 0.5193% | 3,702 |
| Noninterest expense to average assets | 3.7040% | 1,242 |
| Loan and lease loss provision to assets | 0.2133% | 1,776 |
| Net operating income to assets | 0.4006% | 5,214 |
| Return on assets (ROA) | 0.4006% | 5,379 |
| Pretax return on assets | 0.4006% | 5,638 |
| Return on Equity (ROE) | 3.5099% | 5,420 |
| Retained earnings to average equity (ytd only) | 3.5099% | 4,087 |
| Net charge-offs to loans | 1.8864% | 241 |
| Credit loss provision to net charge-offs | 13.6095% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.3917% | 4,407 |
| Efficiency ratio | 85.7818% | 1,436 |
| Assets per employee ($millions) | 5.2229% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1620% | 223 |
| Loan loss allowance to noncurrent loans | 59.7174% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 7.3696% | 313 |
| Noncurrent loans to loans | 6.9694% | 348 |
| Net loans and leases to total assets | 79.8642% | 550 |
| Net loans and leases to deposits | 91.9324% | 970 |
| Net loans and leases to core deposits | 92.8759% | 1,626 |
| Total domestic deposits to total assets | 86.8727% | 2,896 |
| Equity capital to assets | 11.9065% | 1,974 |
| Core capital (leverage) ratio | 11.5191% | 1,922 |
| Tier 1 risk-based capital ratio | 13.6868% | 4,652 |
| Total risk-based capital ratio | 14.9745% | 4,591 |
| Memoranda: | ||
| Average total assets | $107,830,670 | 4,614 |
| Average earning assets | $102,308,000 | 4,512 |
| Average equity | $12,308,000 | 4,463 |
| Average total loans | $89,590,000 | 3,734 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 2,083 |
| Cost of funding earning assets | 0.7581% | 1,783 |
| Net interest margin | 3.7668% | 2,582 |
| Noninterest income to average assets | 1.1412% | 1,149 |
| Noninterest expense to average assets | 4.3253% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3854% | 5,183 |
| Return on assets (ROA) | 0.3854% | 5,327 |
| Pretax return on assets | 0.3854% | 5,613 |
| Return on Equity (ROE) | 3.4528% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.4528% | 4,180 |
| Net charge-offs to loans | 0.7713% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6023% | 3,623 |
| Efficiency ratio | 91.8189% | 1,000 |
| Assets per employee ($millions) | 4.7953% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9998% | 133 |
| Loan loss allowance to noncurrent loans | 72.8016% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 7.7007% | 336 |
| Noncurrent loans to loans | 6.8677% | 438 |
| Net loans and leases to total assets | 78.5804% | 553 |
| Net loans and leases to deposits | 90.9759% | 888 |
| Net loans and leases to core deposits | 93.5075% | 1,376 |
| Total domestic deposits to total assets | 86.3750% | 3,315 |
| Equity capital to assets | 12.3236% | 1,825 |
| Core capital (leverage) ratio | 11.5061% | 1,880 |
| Tier 1 risk-based capital ratio | 13.8011% | 4,652 |
| Total risk-based capital ratio | 15.0976% | 4,580 |
| Memoranda: | ||
| Average total assets | $106,906,000 | 4,683 |
| Average earning assets | $101,305,500 | 4,583 |
| Average equity | $11,932,500 | 4,589 |
| Average total loans | $88,685,500 | 3,776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 1,823 |
| Cost of funding earning assets | 0.9339% | 1,741 |
| Net interest margin | 3.9709% | 2,519 |
| Noninterest income to average assets | 2.3199% | 349 |
| Noninterest expense to average assets | 5.0772% | 358 |
| Loan and lease loss provision to assets | 0.6008% | 920 |
| Net operating income to assets | 0.3785% | 5,186 |
| Return on assets (ROA) | 0.3836% | 5,398 |
| Pretax return on assets | 0.3836% | 5,615 |
| Return on Equity (ROE) | 3.5391% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.5391% | 3,730 |
| Net charge-offs to loans | 2.8928% | 185 |
| Credit loss provision to net charge-offs | 25.6166% | 5,193 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 5,275 |
| Efficiency ratio | 83.8304% | 1,648 |
| Assets per employee ($millions) | 3.7350% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0317% | 132 |
| Loan loss allowance to noncurrent loans | 52.4101% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 9.8094% | 224 |
| Noncurrent loans to loans | 9.6007% | 260 |
| Net loans and leases to total assets | 79.0048% | 565 |
| Net loans and leases to deposits | 89.9945% | 1,075 |
| Net loans and leases to core deposits | 92.3876% | 1,603 |
| Total domestic deposits to total assets | 87.7884% | 2,355 |
| Equity capital to assets | 10.0300% | 4,127 |
| Core capital (leverage) ratio | 9.4652% | 4,158 |
| Tier 1 risk-based capital ratio | 11.7451% | 5,933 |
| Total risk-based capital ratio | 13.0458% | 5,878 |
| Memoranda: | ||
| Average total assets | $98,538,800 | 4,874 |
| Average earning assets | $92,724,800 | 4,785 |
| Average equity | $10,680,800 | 4,820 |
| Average total loans | $79,887,600 | 4,044 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 2,108 |
| Cost of funding earning assets | 0.9679% | 1,747 |
| Net interest margin | 3.9069% | 2,892 |
| Noninterest income to average assets | 2.2103% | 367 |
| Noninterest expense to average assets | 4.8784% | 398 |
| Loan and lease loss provision to assets | 0.5855% | 963 |
| Net operating income to assets | 0.4149% | 5,184 |
| Return on assets (ROA) | 0.4218% | 5,393 |
| Pretax return on assets | 0.4218% | 5,667 |
| Return on Equity (ROE) | 3.8112% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.8112% | 4,205 |
| Net charge-offs to loans | 3.1931% | 162 |
| Credit loss provision to net charge-offs | 22.7862% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.3893% | 5,137 |
| Efficiency ratio | 82.9832% | 1,697 |
| Assets per employee ($millions) | 3.1440% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7987% | 79 |
| Loan loss allowance to noncurrent loans | 66.8191% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 8.2070% | 368 |
| Noncurrent loans to loans | 8.6782% | 337 |
| Net loans and leases to total assets | 75.5169% | 1,044 |
| Net loans and leases to deposits | 86.4010% | 1,556 |
| Net loans and leases to core deposits | 87.5714% | 2,263 |
| Total domestic deposits to total assets | 87.4028% | 2,421 |
| Equity capital to assets | 10.4064% | 3,951 |
| Core capital (leverage) ratio | 10.0746% | 3,439 |
| Tier 1 risk-based capital ratio | 12.6182% | 5,545 |
| Total risk-based capital ratio | 13.9285% | 5,461 |
| Memoranda: | ||
| Average total assets | $96,094,750 | 4,984 |
| Average earning assets | $90,231,500 | 4,904 |
| Average equity | $10,635,000 | 4,879 |
| Average total loans | $77,332,500 | 4,154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 2,189 |
| Cost of funding earning assets | 1.0008% | 1,756 |
| Net interest margin | 3.8803% | 2,998 |
| Noninterest income to average assets | 2.2364% | 340 |
| Noninterest expense to average assets | 4.8000% | 428 |
| Loan and lease loss provision to assets | 0.5880% | 1,020 |
| Net operating income to assets | 0.4960% | 4,833 |
| Return on assets (ROA) | 0.4960% | 5,088 |
| Pretax return on assets | 0.4960% | 5,444 |
| Return on Equity (ROE) | 4.3852% | 5,098 |
| Retained earnings to average equity (ytd only) | 4.3852% | 3,698 |
| Net charge-offs to loans | 3.7408% | 130 |
| Credit loss provision to net charge-offs | 19.5035% | 4,611 |
| Earnings coverage of net charge-offs (x) | 0.3596% | 4,899 |
| Efficiency ratio | 81.5770% | 1,954 |
| Assets per employee ($millions) | 2.8731% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5705% | 60 |
| Loan loss allowance to noncurrent loans | 63.5224% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 9.6865% | 284 |
| Noncurrent loans to loans | 10.3435% | 245 |
| Net loans and leases to total assets | 76.7582% | 872 |
| Net loans and leases to deposits | 88.9650% | 1,260 |
| Net loans and leases to core deposits | 89.9658% | 1,990 |
| Total domestic deposits to total assets | 86.2792% | 3,207 |
| Equity capital to assets | 11.2981% | 2,792 |
| Core capital (leverage) ratio | 10.6139% | 2,700 |
| Tier 1 risk-based capital ratio | 13.0586% | 5,144 |
| Total risk-based capital ratio | 14.3778% | 5,070 |
| Memoranda: | ||
| Average total assets | $93,542,000 | 5,081 |
| Average earning assets | $87,932,000 | 4,992 |
| Average equity | $10,581,000 | 4,897 |
| Average total loans | $75,385,330 | 4,241 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 2,006 |
| Cost of funding earning assets | 1.0681% | 1,574 |
| Net interest margin | 3.8996% | 2,922 |
| Noninterest income to average assets | 2.1699% | 362 |
| Noninterest expense to average assets | 4.7790% | 431 |
| Loan and lease loss provision to assets | 0.5382% | 1,101 |
| Net operating income to assets | 0.4994% | 4,834 |
| Return on assets (ROA) | 0.4994% | 5,044 |
| Pretax return on assets | 0.4994% | 5,433 |
| Return on Equity (ROE) | 4.4125% | 5,091 |
| Retained earnings to average equity (ytd only) | 4.4125% | 3,950 |
| Net charge-offs to loans | 5.2879% | 82 |
| Credit loss provision to net charge-offs | 12.7551% | 3,868 |
| Earnings coverage of net charge-offs (x) | 0.2459% | 4,244 |
| Efficiency ratio | 82.1614% | 1,917 |
| Assets per employee ($millions) | 3.2029% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3717% | 44 |
| Loan loss allowance to noncurrent loans | 80.2438% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 10.5486% | 266 |
| Noncurrent loans to loans | 9.1866% | 360 |
| Net loans and leases to total assets | 73.0244% | 1,223 |
| Net loans and leases to deposits | 85.8832% | 1,436 |
| Net loans and leases to core deposits | 86.8821% | 2,187 |
| Total domestic deposits to total assets | 85.0276% | 4,023 |
| Equity capital to assets | 11.3712% | 2,558 |
| Core capital (leverage) ratio | 10.4518% | 2,808 |
| Tier 1 risk-based capital ratio | 13.6400% | 4,722 |
| Total risk-based capital ratio | 14.9685% | 4,652 |
| Memoranda: | ||
| Average total assets | $92,907,000 | 5,128 |
| Average earning assets | $86,881,000 | 5,056 |
| Average equity | $10,515,500 | 4,916 |
| Average total loans | $74,131,000 | 4,310 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 3,668 |
| Cost of funding earning assets | 1.3835% | 1,108 |
| Net interest margin | 3.4464% | 5,348 |
| Noninterest income to average assets | -0.9008% | 7,315 |
| Noninterest expense to average assets | 3.2437% | 2,710 |
| Loan and lease loss provision to assets | 6.7786% | 10 |
| Net operating income to assets | -7.7263% | 7,343 |
| Return on assets (ROA) | -7.6555% | 7,343 |
| Pretax return on assets | -7.6555% | 7,344 |
| Return on Equity (ROE) | -99.4335% | 7,309 |
| Retained earnings to average equity (ytd only) | -99.4335% | 7,309 |
| Net charge-offs to loans | 3.3997% | 235 |
| Credit loss provision to net charge-offs | 239.3952% | 1,012 |
| Earnings coverage of net charge-offs (x) | -0.3347% | 6,021 |
| Efficiency ratio | 141.2730% | 171 |
| Assets per employee ($millions) | 4.0404% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3333% | 26 |
| Loan loss allowance to noncurrent loans | 70.2190% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 11.9854% | 213 |
| Noncurrent loans to loans | 11.8676% | 226 |
| Net loans and leases to total assets | 74.0159% | 1,274 |
| Net loans and leases to deposits | 86.9548% | 1,538 |
| Net loans and leases to core deposits | 87.6831% | 2,404 |
| Total domestic deposits to total assets | 85.1200% | 3,774 |
| Equity capital to assets | 11.2655% | 2,727 |
| Core capital (leverage) ratio | 10.6144% | 2,605 |
| Tier 1 risk-based capital ratio | 14.1854% | 4,188 |
| Total risk-based capital ratio | 15.5340% | 4,084 |
| Memoranda: | ||
| Average total assets | $87,584,000 | 5,246 |
| Average earning assets | $81,244,000 | 5,192 |
| Average equity | $6,743,200 | 5,943 |
| Average total loans | $72,947,000 | 4,382 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 2,981 |
| Cost of funding earning assets | 1.4520% | 1,021 |
| Net interest margin | 3.5715% | 4,889 |
| Noninterest income to average assets | -0.2164% | 7,277 |
| Noninterest expense to average assets | 2.9697% | 3,673 |
| Loan and lease loss provision to assets | 5.7276% | 18 |
| Net operating income to assets | -5.6132% | 7,390 |
| Return on assets (ROA) | -5.6132% | 7,392 |
| Pretax return on assets | -5.6132% | 7,391 |
| Return on Equity (ROE) | -83.3004% | 7,362 |
| Retained earnings to average equity (ytd only) | -83.3004% | 7,361 |
| Net charge-offs to loans | 3.2235% | 273 |
| Credit loss provision to net charge-offs | 211.5934% | 1,371 |
| Earnings coverage of net charge-offs (x) | 0.0423% | 5,568 |
| Efficiency ratio | 96.2907% | 805 |
| Assets per employee ($millions) | 6.9028% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6412% | 58 |
| Loan loss allowance to noncurrent loans | 65.5987% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 12.8318% | 195 |
| Noncurrent loans to loans | 10.1240% | 352 |
| Net loans and leases to total assets | 80.6116% | 458 |
| Net loans and leases to deposits | 89.5873% | 1,261 |
| Net loans and leases to core deposits | 90.0707% | 2,237 |
| Total domestic deposits to total assets | 89.9810% | 875 |
| Equity capital to assets | 4.7723% | 7,276 |
| Core capital (leverage) ratio | 3.6082% | 7,323 |
| Tier 1 risk-based capital ratio | 4.4398% | 7,350 |
| Total risk-based capital ratio | 5.7602% | 7,351 |
| Memoranda: | ||
| Average total assets | $86,247,500 | 5,322 |
| Average earning assets | $79,703,500 | 5,279 |
| Average equity | $5,811,750 | 6,250 |
| Average total loans | $72,424,750 | 4,439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 3,236 |
| Cost of funding earning assets | 1.4734% | 1,099 |
| Net interest margin | 3.5105% | 5,109 |
| Noninterest income to average assets | -0.0389% | 7,247 |
| Noninterest expense to average assets | 2.8677% | 4,153 |
| Loan and lease loss provision to assets | 4.6690% | 56 |
| Net operating income to assets | -4.3257% | 7,410 |
| Return on assets (ROA) | -4.3257% | 7,411 |
| Pretax return on assets | -4.3257% | 7,404 |
| Return on Equity (ROE) | -58.7748% | 7,370 |
| Retained earnings to average equity (ytd only) | -58.7748% | 7,367 |
| Net charge-offs to loans | 4.4111% | 168 |
| Credit loss provision to net charge-offs | 127.1820% | 2,402 |
| Earnings coverage of net charge-offs (x) | 0.0935% | 5,219 |
| Efficiency ratio | 89.3086% | 1,297 |
| Assets per employee ($millions) | 7.0526% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5002% | 273 |
| Loan loss allowance to noncurrent loans | 43.8654% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 12.5935% | 228 |
| Noncurrent loans to loans | 10.2591% | 370 |
| Net loans and leases to total assets | 81.0424% | 443 |
| Net loans and leases to deposits | 91.7761% | 1,081 |
| Net loans and leases to core deposits | 92.2699% | 2,095 |
| Total domestic deposits to total assets | 88.3045% | 1,960 |
| Equity capital to assets | 6.5862% | 7,171 |
| Core capital (leverage) ratio | 5.4895% | 7,257 |
| Tier 1 risk-based capital ratio | 6.6693% | 7,330 |
| Total risk-based capital ratio | 7.9612% | 7,334 |
| Memoranda: | ||
| Average total assets | $87,385,670 | 5,328 |
| Average earning assets | $80,899,330 | 5,293 |
| Average equity | $6,431,330 | 6,108 |
| Average total loans | $72,725,330 | 4,478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 3,549 |
| Cost of funding earning assets | 1.4901% | 1,204 |
| Net interest margin | 3.4170% | 5,362 |
| Noninterest income to average assets | -0.0225% | 7,332 |
| Noninterest expense to average assets | 2.5326% | 5,441 |
| Loan and lease loss provision to assets | 5.6104% | 50 |
| Net operating income to assets | -4.9931% | 7,490 |
| Return on assets (ROA) | -4.9931% | 7,491 |
| Pretax return on assets | -4.9931% | 7,482 |
| Return on Equity (ROE) | -64.6064% | 7,455 |
| Retained earnings to average equity (ytd only) | -64.6064% | 7,446 |
| Net charge-offs to loans | 0.3662% | 2,600 |
| Credit loss provision to net charge-offs | 1,858.2090% | 214 |
| Earnings coverage of net charge-offs (x) | 2.0448% | 3,278 |
| Efficiency ratio | 80.4006% | 2,452 |
| Assets per employee ($millions) | 7.2851% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4384% | 144 |
| Loan loss allowance to noncurrent loans | 42.0040% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 14.4622% | 167 |
| Noncurrent loans to loans | 12.9473% | 233 |
| Net loans and leases to total assets | 79.0416% | 615 |
| Net loans and leases to deposits | 89.9996% | 1,229 |
| Net loans and leases to core deposits | 90.4710% | 2,300 |
| Total domestic deposits to total assets | 87.8244% | 2,471 |
| Equity capital to assets | 7.2019% | 7,012 |
| Core capital (leverage) ratio | 6.1071% | 7,231 |
| Tier 1 risk-based capital ratio | 7.5463% | 7,325 |
| Total risk-based capital ratio | 8.8486% | 7,327 |
| Memoranda: | ||
| Average total assets | $88,763,000 | 5,326 |
| Average earning assets | $82,412,000 | 5,290 |
| Average equity | $6,860,000 | 5,972 |
| Average total loans | $73,178,500 | 4,501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 4,058 |
| Cost of funding earning assets | 1.8122% | 1,122 |
| Net interest margin | 3.2983% | 5,984 |
| Noninterest income to average assets | -0.5394% | 7,572 |
| Noninterest expense to average assets | 2.3794% | 6,139 |
| Loan and lease loss provision to assets | 3.5623% | 216 |
| Net operating income to assets | -3.4373% | 7,367 |
| Return on assets (ROA) | -3.4363% | 7,380 |
| Pretax return on assets | -3.4363% | 7,357 |
| Return on Equity (ROE) | -35.6680% | 7,296 |
| Retained earnings to average equity (ytd only) | -35.6680% | 7,288 |
| Net charge-offs to loans | 3.4018% | 432 |
| Credit loss provision to net charge-offs | 130.4232% | 3,041 |
| Earnings coverage of net charge-offs (x) | 0.0457% | 6,070 |
| Efficiency ratio | 95.0104% | 1,011 |
| Assets per employee ($millions) | 7.5088% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8153% | 464 |
| Loan loss allowance to noncurrent loans | 30.6042% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 13.0881% | 223 |
| Noncurrent loans to loans | 12.4666% | 260 |
| Net loans and leases to total assets | 78.2287% | 907 |
| Net loans and leases to deposits | 89.9851% | 1,524 |
| Net loans and leases to core deposits | 90.7929% | 2,650 |
| Total domestic deposits to total assets | 86.9352% | 2,864 |
| Equity capital to assets | 8.2393% | 6,216 |
| Core capital (leverage) ratio | 7.3971% | 6,790 |
| Tier 1 risk-based capital ratio | 9.0860% | 7,228 |
| Total risk-based capital ratio | 10.3672% | 7,225 |
| Memoranda: | ||
| Average total assets | $96,034,200 | 5,102 |
| Average earning assets | $88,622,000 | 5,064 |
| Average equity | $9,252,000 | 5,343 |
| Average total loans | $77,105,200 | 4,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 3,928 |
| Cost of funding earning assets | 1.8953% | 1,042 |
| Net interest margin | 3.2870% | 6,063 |
| Noninterest income to average assets | 0.1709% | 6,654 |
| Noninterest expense to average assets | 3.1556% | 3,087 |
| Loan and lease loss provision to assets | 3.4865% | 209 |
| Net operating income to assets | -2.0851% | 7,257 |
| Return on assets (ROA) | -2.0851% | 7,278 |
| Pretax return on assets | -3.4455% | 7,491 |
| Return on Equity (ROE) | -20.9422% | 7,243 |
| Retained earnings to average equity (ytd only) | -20.9422% | 7,229 |
| Net charge-offs to loans | 1.7576% | 1,111 |
| Credit loss provision to net charge-offs | 247.8134% | 1,350 |
| Earnings coverage of net charge-offs (x) | 0.0292% | 6,001 |
| Efficiency ratio | 98.7169% | 791 |
| Assets per employee ($millions) | 8.4223% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6640% | 225 |
| Loan loss allowance to noncurrent loans | 40.0524% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 12.4238% | 249 |
| Noncurrent loans to loans | 11.6446% | 315 |
| Net loans and leases to total assets | 77.6426% | 1,104 |
| Net loans and leases to deposits | 92.2560% | 1,411 |
| Net loans and leases to core deposits | 93.7298% | 2,566 |
| Total domestic deposits to total assets | 84.1600% | 4,025 |
| Equity capital to assets | 10.0880% | 4,044 |
| Core capital (leverage) ratio | 8.9920% | 4,704 |
| Tier 1 risk-based capital ratio | 11.1302% | 6,254 |
| Total risk-based capital ratio | 12.4226% | 6,214 |
| Memoranda: | ||
| Average total assets | $97,516,500 | 5,123 |
| Average earning assets | $89,764,500 | 5,078 |
| Average equity | $9,709,000 | 5,283 |
| Average total loans | $78,060,500 | 4,469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 4,160 |
| Cost of funding earning assets | 1.9491% | 1,047 |
| Net interest margin | 3.2075% | 6,295 |
| Noninterest income to average assets | 0.1937% | 6,515 |
| Noninterest expense to average assets | 3.4981% | 2,036 |
| Loan and lease loss provision to assets | 4.7206% | 131 |
| Net operating income to assets | -3.0785% | 7,520 |
| Return on assets (ROA) | -3.0785% | 7,524 |
| Pretax return on assets | -5.0736% | 7,684 |
| Return on Equity (ROE) | -31.0478% | 7,446 |
| Retained earnings to average equity (ytd only) | -31.0478% | 7,434 |
| Net charge-offs to loans | 1.0262% | 1,817 |
| Credit loss provision to net charge-offs | 577.7778% | 644 |
| Earnings coverage of net charge-offs (x) | -0.4321% | 5,996 |
| Efficiency ratio | 111.2251% | 524 |
| Assets per employee ($millions) | 8.7834% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0072% | 171 |
| Loan loss allowance to noncurrent loans | 39.4325% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 12.3519% | 255 |
| Noncurrent loans to loans | 12.6981% | 246 |
| Net loans and leases to total assets | 77.2266% | 1,252 |
| Net loans and leases to deposits | 90.9250% | 1,703 |
| Net loans and leases to core deposits | 95.0061% | 2,590 |
| Total domestic deposits to total assets | 84.9343% | 3,667 |
| Equity capital to assets | 9.5791% | 4,585 |
| Core capital (leverage) ratio | 8.5375% | 5,348 |
| Tier 1 risk-based capital ratio | 10.8404% | 6,409 |
| Total risk-based capital ratio | 12.1377% | 6,348 |
| Memoranda: | ||
| Average total assets | $99,140,330 | 5,107 |
| Average earning assets | $91,222,330 | 5,056 |
| Average equity | $9,830,000 | 5,253 |
| Average total loans | $78,930,330 | 4,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1739% | 4,171 |
| Cost of funding earning assets | 2.0077% | 1,057 |
| Net interest margin | 3.1662% | 6,397 |
| Noninterest income to average assets | 0.2271% | 6,334 |
| Noninterest expense to average assets | 3.6015% | 1,733 |
| Loan and lease loss provision to assets | 6.8126% | 88 |
| Net operating income to assets | -4.4421% | 7,744 |
| Return on assets (ROA) | -4.4421% | 7,751 |
| Pretax return on assets | -7.2907% | 7,843 |
| Return on Equity (ROE) | -44.0820% | 7,680 |
| Retained earnings to average equity (ytd only) | -44.0820% | 7,666 |
| Net charge-offs to loans | 1.6835% | 1,028 |
| Credit loss provision to net charge-offs | 513.5135% | 816 |
| Earnings coverage of net charge-offs (x) | -0.3604% | 5,235 |
| Efficiency ratio | 115.3061% | 509 |
| Assets per employee ($millions) | 9.1866% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2917% | 293 |
| Loan loss allowance to noncurrent loans | 65.0665% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 8.7726% | 520 |
| Noncurrent loans to loans | 6.5958% | 942 |
| Net loans and leases to total assets | 74.4817% | 1,863 |
| Net loans and leases to deposits | 87.3713% | 2,339 |
| Net loans and leases to core deposits | 98.2213% | 2,320 |
| Total domestic deposits to total assets | 85.2473% | 3,537 |
| Equity capital to assets | 9.5000% | 4,531 |
| Core capital (leverage) ratio | 8.8222% | 4,831 |
| Tier 1 risk-based capital ratio | 10.9320% | 6,220 |
| Total risk-based capital ratio | 12.2189% | 6,158 |
| Memoranda: | ||
| Average total assets | $100,402,000 | 5,136 |
| Average earning assets | $91,845,000 | 5,106 |
| Average equity | $10,117,500 | 5,207 |
| Average total loans | $79,122,000 | 4,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 3,307 |
| Cost of funding earning assets | 2.8054% | 441 |
| Net interest margin | 2.8523% | 6,958 |
| Noninterest income to average assets | 0.1670% | 6,885 |
| Noninterest expense to average assets | 2.3377% | 6,643 |
| Loan and lease loss provision to assets | 2.1615% | 969 |
| Net operating income to assets | -1.0487% | 6,608 |
| Return on assets (ROA) | -1.0446% | 6,607 |
| Pretax return on assets | -1.7292% | 6,832 |
| Return on Equity (ROE) | -10.7461% | 6,674 |
| Retained earnings to average equity (ytd only) | -10.7461% | 6,571 |
| Net charge-offs to loans | 2.1288% | 1,139 |
| Credit loss provision to net charge-offs | 129.9498% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.2560% | 5,862 |
| Efficiency ratio | 84.5921% | 2,284 |
| Assets per employee ($millions) | 9.0683% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5100% | 1,210 |
| Loan loss allowance to noncurrent loans | 38.2612% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 9.2771% | 428 |
| Noncurrent loans to loans | 6.5601% | 907 |
| Net loans and leases to total assets | 77.7987% | 1,428 |
| Net loans and leases to deposits | 91.5845% | 1,949 |
| Net loans and leases to core deposits | 145.7645% | 614 |
| Total domestic deposits to total assets | 84.9475% | 3,571 |
| Equity capital to assets | 10.6615% | 3,005 |
| Core capital (leverage) ratio | 9.6947% | 3,464 |
| Tier 1 risk-based capital ratio | 11.9117% | 5,020 |
| Total risk-based capital ratio | 13.1762% | 4,961 |
| Memoranda: | ||
| Average total assets | $107,797,000 | 4,883 |
| Average earning assets | $98,130,600 | 4,890 |
| Average equity | $10,478,200 | 5,172 |
| Average total loans | $84,224,800 | 4,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 3,003 |
| Cost of funding earning assets | 2.9617% | 370 |
| Net interest margin | 2.8134% | 7,030 |
| Noninterest income to average assets | 0.1518% | 7,098 |
| Noninterest expense to average assets | 2.0678% | 7,245 |
| Loan and lease loss provision to assets | 2.5741% | 635 |
| Net operating income to assets | -1.1596% | 6,937 |
| Return on assets (ROA) | -1.1596% | 6,941 |
| Pretax return on assets | -1.9330% | 7,145 |
| Return on Equity (ROE) | -12.1975% | 7,033 |
| Retained earnings to average equity (ytd only) | -12.1975% | 6,956 |
| Net charge-offs to loans | 1.5928% | 1,285 |
| Credit loss provision to net charge-offs | 207.8431% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.5176% | 5,511 |
| Efficiency ratio | 76.3335% | 3,447 |
| Assets per employee ($millions) | 9.4959% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1065% | 610 |
| Loan loss allowance to noncurrent loans | 57.7713% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 8.3404% | 494 |
| Noncurrent loans to loans | 5.3772% | 1,182 |
| Net loans and leases to total assets | 76.4731% | 1,897 |
| Net loans and leases to deposits | 89.5486% | 2,663 |
| Net loans and leases to core deposits | 144.3414% | 752 |
| Total domestic deposits to total assets | 85.3985% | 3,027 |
| Equity capital to assets | 10.3710% | 3,657 |
| Core capital (leverage) ratio | 10.0056% | 3,274 |
| Tier 1 risk-based capital ratio | 12.3170% | 4,689 |
| Total risk-based capital ratio | 13.5884% | 4,620 |
| Memoranda: | ||
| Average total assets | $109,808,500 | 4,854 |
| Average earning assets | $99,804,250 | 4,869 |
| Average equity | $10,439,000 | 5,224 |
| Average total loans | $85,380,250 | 4,387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9051% | 2,559 |
| Cost of funding earning assets | 3.1224% | 332 |
| Net interest margin | 2.7827% | 7,047 |
| Noninterest income to average assets | 0.1272% | 7,337 |
| Noninterest expense to average assets | 1.9804% | 7,490 |
| Loan and lease loss provision to assets | 1.7474% | 954 |
| Net operating income to assets | -0.6327% | 6,690 |
| Return on assets (ROA) | -0.6327% | 6,693 |
| Pretax return on assets | -1.0753% | 6,868 |
| Return on Equity (ROE) | -6.8493% | 6,783 |
| Retained earnings to average equity (ytd only) | -6.8493% | 6,542 |
| Net charge-offs to loans | 2.3622% | 756 |
| Credit loss provision to net charge-offs | 95.5882% | 4,753 |
| Earnings coverage of net charge-offs (x) | 0.3676% | 5,315 |
| Efficiency ratio | 74.6622% | 3,927 |
| Assets per employee ($millions) | 10.0246% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 2,403 |
| Loan loss allowance to noncurrent loans | 105.4356% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 5.0920% | 1,028 |
| Noncurrent loans to loans | 1.5964% | 4,102 |
| Net loans and leases to total assets | 75.0079% | 2,431 |
| Net loans and leases to deposits | 87.6558% | 3,229 |
| Net loans and leases to core deposits | 142.5381% | 910 |
| Total domestic deposits to total assets | 85.5710% | 2,982 |
| Equity capital to assets | 10.3463% | 3,569 |
| Core capital (leverage) ratio | 10.1936% | 3,100 |
| Tier 1 risk-based capital ratio | 12.4166% | 4,587 |
| Total risk-based capital ratio | 13.6706% | 4,510 |
| Memoranda: | ||
| Average total assets | $111,593,000 | 4,837 |
| Average earning assets | $101,269,000 | 4,866 |
| Average equity | $10,307,670 | 5,278 |
| Average total loans | $86,360,000 | 4,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9577% | 2,535 |
| Cost of funding earning assets | 3.2479% | 303 |
| Net interest margin | 2.7098% | 7,181 |
| Noninterest income to average assets | 0.1033% | 7,521 |
| Noninterest expense to average assets | 1.7282% | 7,789 |
| Loan and lease loss provision to assets | 2.6191% | 431 |
| Net operating income to assets | -1.0512% | 7,284 |
| Return on assets (ROA) | -1.0512% | 7,296 |
| Pretax return on assets | -1.7674% | 7,458 |
| Return on Equity (ROE) | -12.0939% | 7,482 |
| Retained earnings to average equity (ytd only) | -12.0939% | 7,274 |
| Net charge-offs to loans | 1.8611% | 779 |
| Credit loss provision to net charge-offs | 180.5897% | 2,408 |
| Earnings coverage of net charge-offs (x) | 0.5872% | 4,525 |
| Efficiency ratio | 66.9890% | 5,147 |
| Assets per employee ($millions) | 10.9897% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 1,293 |
| Loan loss allowance to noncurrent loans | 69.3680% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 5.4224% | 795 |
| Noncurrent loans to loans | 2.9838% | 2,191 |
| Net loans and leases to total assets | 77.0203% | 2,037 |
| Net loans and leases to deposits | 85.7101% | 3,683 |
| Net loans and leases to core deposits | 137.8528% | 1,210 |
| Total domestic deposits to total assets | 89.8614% | 863 |
| Equity capital to assets | 8.7418% | 5,703 |
| Core capital (leverage) ratio | 8.3823% | 5,747 |
| Tier 1 risk-based capital ratio | 10.2557% | 6,639 |
| Total risk-based capital ratio | 11.5139% | 6,551 |
| Memoranda: | ||
| Average total assets | $112,254,000 | 4,844 |
| Average earning assets | $102,589,500 | 4,845 |
| Average equity | $9,757,000 | 5,463 |
| Average total loans | $87,476,000 | 4,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5045% | 2,936 |
| Cost of funding earning assets | 4.0395% | 89 |
| Net interest margin | 2.4651% | 7,793 |
| Noninterest income to average assets | 0.0675% | 7,813 |
| Noninterest expense to average assets | 1.6686% | 7,892 |
| Loan and lease loss provision to assets | 1.1227% | 1,292 |
| Net operating income to assets | -0.2242% | 6,647 |
| Return on assets (ROA) | -0.2164% | 6,483 |
| Pretax return on assets | -0.4239% | 6,568 |
| Return on Equity (ROE) | -2.6869% | 6,583 |
| Retained earnings to average equity (ytd only) | -2.6869% | 6,034 |
| Net charge-offs to loans | 1.0958% | 1,111 |
| Credit loss provision to net charge-offs | 136.6337% | 3,900 |
| Earnings coverage of net charge-offs (x) | 0.8356% | 5,732 |
| Efficiency ratio | 70.8463% | 4,168 |
| Assets per employee ($millions) | 11.4611% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 2,063 |
| Loan loss allowance to noncurrent loans | 145.0844% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 3.0905% | 1,483 |
| Noncurrent loans to loans | 1.1376% | 4,270 |
| Net loans and leases to total assets | 75.9604% | 2,634 |
| Net loans and leases to deposits | 83.6945% | 4,466 |
| Net loans and leases to core deposits | 131.9276% | 1,730 |
| Total domestic deposits to total assets | 90.7592% | 400 |
| Equity capital to assets | 8.6440% | 5,876 |
| Core capital (leverage) ratio | 8.1830% | 6,192 |
| Tier 1 risk-based capital ratio | 10.3446% | 6,373 |
| Total risk-based capital ratio | 11.5985% | 6,241 |
| Memoranda: | ||
| Average total assets | $122,914,400 | 4,448 |
| Average earning assets | $114,074,600 | 4,413 |
| Average equity | $9,900,000 | 5,443 |
| Average total loans | $92,167,400 | 4,155 |