Home > Heritage Southeast Bank > Performance and Condition Ratios
Heritage Southeast Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 1,277 |
| Cost of funding earning assets | 0.2286% | 3,527 |
| Net interest margin | 3.9567% | 848 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 4.0132% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4499% | 4,170 |
| Return on assets (ROA) | 0.4499% | 4,131 |
| Pretax return on assets | 0.5848% | 4,052 |
| Return on Equity (ROE) | 4.0700% | 4,150 |
| Retained earnings to average equity (ytd only) | -16.6228% | 4,684 |
| Net charge-offs to loans | 0.0183% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 47.9951% | 1,389 |
| Efficiency ratio | 86.0476% | 419 |
| Assets per employee ($millions) | 6.1187% | 2,659 |
| Cash dividends to net income (ytd only)* | 508.5646% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,089 |
| Loan loss allowance to noncurrent loans | 584.3641% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 2,070 |
| Noncurrent loans to loans | 0.2159% | 2,412 |
| Net loans and leases to total assets | 74.5000% | 1,178 |
| Net loans and leases to deposits | 84.3356% | 1,442 |
| Net loans and leases to core deposits | 86.5897% | 1,704 |
| Total domestic deposits to total assets | 88.3300% | 1,958 |
| Equity capital to assets | 9.4962% | 2,015 |
| Core capital (leverage) ratio | 7.6847% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2243% | 3,040 |
| Memoranda: | ||
| Average total assets | $1,674,105,400 | 644 |
| Average earning assets | $1,520,420,600 | 647 |
| Average equity | $185,100,800 | 563 |
| Average total loans | $1,116,531,000 | 619 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8538% | 1,604 |
| Cost of funding earning assets | 0.1873% | 3,429 |
| Net interest margin | 3.6665% | 1,228 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.9227% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0915% | 2,138 |
| Return on assets (ROA) | 1.0915% | 2,102 |
| Pretax return on assets | 1.4128% | 1,678 |
| Return on Equity (ROE) | 9.5600% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.8704% | 1,693 |
| Net charge-offs to loans | 0.0072% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 304.9492% | 468 |
| Efficiency ratio | 66.1239% | 2,265 |
| Assets per employee ($millions) | 6.5343% | 2,292 |
| Cash dividends to net income (ytd only)* | 7.1942% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 1,898 |
| Loan loss allowance to noncurrent loans | 747.9783% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 2,457 |
| Noncurrent loans to loans | 0.1776% | 2,700 |
| Net loans and leases to total assets | 65.0800% | 1,977 |
| Net loans and leases to deposits | 75.2739% | 1,938 |
| Net loans and leases to core deposits | 77.5580% | 2,073 |
| Total domestic deposits to total assets | 86.4600% | 2,938 |
| Equity capital to assets | 11.1624% | 1,124 |
| Core capital (leverage) ratio | 10.2208% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9422% | 2,076 |
| Memoranda: | ||
| Average total assets | $1,697,976,750 | 642 |
| Average earning assets | $1,543,906,750 | 643 |
| Average equity | $193,898,750 | 543 |
| Average total loans | $1,097,899,250 | 626 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 1,807 |
| Cost of funding earning assets | 0.1754% | 3,243 |
| Net interest margin | 3.4360% | 1,496 |
| Noninterest income to average assets | 0.9978% | 672 |
| Noninterest expense to average assets | 2.9380% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9279% | 2,454 |
| Return on assets (ROA) | 0.9279% | 2,431 |
| Pretax return on assets | 1.1786% | 2,139 |
| Return on Equity (ROE) | 8.0638% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.6516% | 1,750 |
| Net charge-offs to loans | -0.0126% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0020% | 1,955 |
| Assets per employee ($millions) | 6.3392% | 2,448 |
| Cash dividends to net income (ytd only)* | 5.1112% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 1,854 |
| Loan loss allowance to noncurrent loans | 736.0924% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 2,502 |
| Noncurrent loans to loans | 0.1870% | 2,769 |
| Net loans and leases to total assets | 64.0317% | 1,911 |
| Net loans and leases to deposits | 73.7238% | 1,897 |
| Net loans and leases to core deposits | 76.1943% | 1,998 |
| Total domestic deposits to total assets | 86.8535% | 2,992 |
| Equity capital to assets | 11.2528% | 1,115 |
| Core capital (leverage) ratio | 9.8895% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7339% | 2,187 |
| Memoranda: | ||
| Average total assets | $1,686,774,667 | 642 |
| Average earning assets | $1,531,067,333 | 649 |
| Average equity | $194,103,000 | 550 |
| Average total loans | $1,083,163,667 | 614 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 1,761 |
| Cost of funding earning assets | 0.1764% | 3,137 |
| Net interest margin | 3.3388% | 1,476 |
| Noninterest income to average assets | 0.9725% | 719 |
| Noninterest expense to average assets | 2.7855% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9854% | 1,945 |
| Return on assets (ROA) | 0.9854% | 1,940 |
| Pretax return on assets | 1.2162% | 1,750 |
| Return on Equity (ROE) | 8.4679% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.4679% | 1,437 |
| Net charge-offs to loans | -0.0629% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1929% | 2,480 |
| Assets per employee ($millions) | 6.1650% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,827 |
| Loan loss allowance to noncurrent loans | 810.3158% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,665 |
| Noncurrent loans to loans | 0.1755% | 2,942 |
| Net loans and leases to total assets | 62.9659% | 1,745 |
| Net loans and leases to deposits | 72.6622% | 1,730 |
| Net loans and leases to core deposits | 75.1986% | 1,830 |
| Total domestic deposits to total assets | 86.6556% | 3,047 |
| Equity capital to assets | 11.4136% | 1,153 |
| Core capital (leverage) ratio | 9.8877% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6922% | 2,348 |
| Memoranda: | ||
| Average total assets | $1,674,365,000 | 650 |
| Average earning assets | $1,519,118,500 | 655 |
| Average equity | $194,853,000 | 564 |
| Average total loans | $1,069,116,000 | 615 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 1,810 |
| Cost of funding earning assets | 0.2253% | 3,193 |
| Net interest margin | 3.5992% | 1,472 |
| Noninterest income to average assets | 1.1477% | 801 |
| Noninterest expense to average assets | 2.9574% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1098% | 2,251 |
| Return on assets (ROA) | 1.1098% | 2,315 |
| Pretax return on assets | 1.4446% | 1,898 |
| Return on Equity (ROE) | 9.5998% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.5998% | 1,018 |
| Net charge-offs to loans | -0.1042% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8623% | 2,278 |
| Assets per employee ($millions) | 5.9048% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,753 |
| Loan loss allowance to noncurrent loans | 875.6757% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,843 |
| Noncurrent loans to loans | 0.1648% | 3,118 |
| Net loans and leases to total assets | 62.9085% | 1,837 |
| Net loans and leases to deposits | 72.8571% | 1,825 |
| Net loans and leases to core deposits | 75.4662% | 1,960 |
| Total domestic deposits to total assets | 86.3449% | 2,781 |
| Equity capital to assets | 11.8669% | 1,310 |
| Core capital (leverage) ratio | 9.8054% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8951% | 2,280 |
| Memoranda: | ||
| Average total assets | $1,632,388,200 | 637 |
| Average earning assets | $1,475,993,200 | 648 |
| Average equity | $188,723,000 | 573 |
| Average total loans | $1,066,431,600 | 618 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 1,839 |
| Cost of funding earning assets | 0.2370% | 3,241 |
| Net interest margin | 3.6375% | 1,499 |
| Noninterest income to average assets | 1.1010% | 919 |
| Noninterest expense to average assets | 2.9829% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0709% | 2,647 |
| Return on assets (ROA) | 1.0709% | 2,714 |
| Pretax return on assets | 1.4050% | 2,312 |
| Return on Equity (ROE) | 9.3254% | 2,995 |
| Retained earnings to average equity (ytd only) | 9.3254% | 1,568 |
| Net charge-offs to loans | -0.0898% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6511% | 2,013 |
| Assets per employee ($millions) | 5.8974% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 2,065 |
| Loan loss allowance to noncurrent loans | 692.3472% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,797 |
| Noncurrent loans to loans | 0.2007% | 3,148 |
| Net loans and leases to total assets | 64.2375% | 1,740 |
| Net loans and leases to deposits | 74.4019% | 1,821 |
| Net loans and leases to core deposits | 77.1507% | 1,950 |
| Total domestic deposits to total assets | 86.3384% | 2,619 |
| Equity capital to assets | 11.7556% | 1,510 |
| Core capital (leverage) ratio | 9.4036% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4959% | 2,548 |
| Memoranda: | ||
| Average total assets | $1,627,147,750 | 646 |
| Average earning assets | $1,470,261,750 | 659 |
| Average equity | $186,853,250 | 584 |
| Average total loans | $1,069,208,250 | 628 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 1,908 |
| Cost of funding earning assets | 0.2519% | 3,265 |
| Net interest margin | 3.6149% | 1,554 |
| Noninterest income to average assets | 1.1037% | 926 |
| Noninterest expense to average assets | 2.9940% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0606% | 2,677 |
| Return on assets (ROA) | 1.0606% | 2,753 |
| Pretax return on assets | 1.3740% | 2,408 |
| Return on Equity (ROE) | 9.3102% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.3102% | 1,623 |
| Net charge-offs to loans | -0.1948% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2046% | 1,981 |
| Assets per employee ($millions) | 5.9857% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,845 |
| Loan loss allowance to noncurrent loans | 1,112.9956% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 3,092 |
| Noncurrent loans to loans | 0.1287% | 3,543 |
| Net loans and leases to total assets | 63.1462% | 2,046 |
| Net loans and leases to deposits | 72.4030% | 2,173 |
| Net loans and leases to core deposits | 75.3441% | 2,300 |
| Total domestic deposits to total assets | 87.2148% | 2,212 |
| Equity capital to assets | 11.4223% | 1,678 |
| Core capital (leverage) ratio | 9.0135% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5675% | 2,522 |
| Memoranda: | ||
| Average total assets | $1,623,041,333 | 637 |
| Average earning assets | $1,465,583,000 | 651 |
| Average equity | $184,894,333 | 583 |
| Average total loans | $1,069,614,667 | 630 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 1,741 |
| Cost of funding earning assets | 0.2746% | 3,228 |
| Net interest margin | 3.6587% | 1,430 |
| Noninterest income to average assets | 1.1188% | 957 |
| Noninterest expense to average assets | 2.9383% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1790% | 2,239 |
| Return on assets (ROA) | 1.1790% | 2,307 |
| Pretax return on assets | 1.4803% | 2,049 |
| Return on Equity (ROE) | 10.3634% | 2,574 |
| Retained earnings to average equity (ytd only) | 10.3634% | 1,556 |
| Net charge-offs to loans | -0.4237% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1640% | 2,340 |
| Assets per employee ($millions) | 5.9184% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,914 |
| Loan loss allowance to noncurrent loans | 714.5667% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 2,925 |
| Noncurrent loans to loans | 0.1972% | 3,404 |
| Net loans and leases to total assets | 64.8623% | 1,934 |
| Net loans and leases to deposits | 74.1751% | 2,099 |
| Net loans and leases to core deposits | 77.2217% | 2,238 |
| Total domestic deposits to total assets | 87.4449% | 2,120 |
| Equity capital to assets | 11.2191% | 1,709 |
| Core capital (leverage) ratio | 9.0994% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2703% | 2,570 |
| Memoranda: | ||
| Average total assets | $1,608,541,500 | 634 |
| Average earning assets | $1,450,791,000 | 650 |
| Average equity | $182,991,000 | 584 |
| Average total loans | $1,075,242,000 | 628 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 1,647 |
| Cost of funding earning assets | 0.5069% | 2,912 |
| Net interest margin | 3.8705% | 1,303 |
| Noninterest income to average assets | 1.0395% | 975 |
| Noninterest expense to average assets | 3.4294% | 760 |
| Loan and lease loss provision to assets | 0.6430% | 285 |
| Net operating income to assets | 0.3236% | 4,400 |
| Return on assets (ROA) | 0.3949% | 4,335 |
| Pretax return on assets | 0.4978% | 4,276 |
| Return on Equity (ROE) | 3.3566% | 4,295 |
| Retained earnings to average equity (ytd only) | 3.3566% | 3,148 |
| Net charge-offs to loans | 0.1175% | 1,311 |
| Credit loss provision to net charge-offs | 793.0450% | 908 |
| Earnings coverage of net charge-offs (x) | 12.9559% | 2,307 |
| Efficiency ratio | 75.0936% | 1,325 |
| Assets per employee ($millions) | 5.4575% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 2,307 |
| Loan loss allowance to noncurrent loans | 143.0874% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 1,292 |
| Noncurrent loans to loans | 0.9238% | 1,524 |
| Net loans and leases to total assets | 67.0533% | 1,947 |
| Net loans and leases to deposits | 77.1285% | 2,163 |
| Net loans and leases to core deposits | 80.7377% | 2,298 |
| Total domestic deposits to total assets | 86.9371% | 1,969 |
| Equity capital to assets | 11.5407% | 1,853 |
| Core capital (leverage) ratio | 8.9770% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1905% | 2,556 |
| Memoranda: | ||
| Average total assets | $1,454,025,200 | 631 |
| Average earning assets | $1,292,465,000 | 653 |
| Average equity | $171,068,000 | 593 |
| Average total loans | $1,003,729,600 | 639 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,685 |
| Cost of funding earning assets | 0.5578% | 2,881 |
| Net interest margin | 3.8995% | 1,353 |
| Noninterest income to average assets | 1.0198% | 995 |
| Noninterest expense to average assets | 3.3414% | 851 |
| Loan and lease loss provision to assets | 0.7160% | 289 |
| Net operating income to assets | 0.3131% | 4,424 |
| Return on assets (ROA) | 0.4102% | 4,309 |
| Pretax return on assets | 0.5408% | 4,205 |
| Return on Equity (ROE) | 3.4684% | 4,297 |
| Retained earnings to average equity (ytd only) | 3.4684% | 3,321 |
| Net charge-offs to loans | 0.0906% | 1,398 |
| Credit loss provision to net charge-offs | 1,140.0894% | 764 |
| Earnings coverage of net charge-offs (x) | 18.0551% | 1,977 |
| Efficiency ratio | 73.1748% | 1,498 |
| Assets per employee ($millions) | 5.2972% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,522 |
| Loan loss allowance to noncurrent loans | 115.1243% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 1,017 |
| Noncurrent loans to loans | 1.0663% | 1,403 |
| Net loans and leases to total assets | 67.9311% | 2,254 |
| Net loans and leases to deposits | 78.4685% | 2,484 |
| Net loans and leases to core deposits | 82.7078% | 2,604 |
| Total domestic deposits to total assets | 86.5712% | 1,830 |
| Equity capital to assets | 11.7747% | 1,823 |
| Core capital (leverage) ratio | 9.0786% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2643% | 2,509 |
| Memoranda: | ||
| Average total assets | $1,424,592,000 | 629 |
| Average earning assets | $1,262,387,000 | 650 |
| Average equity | $168,487,000 | 597 |
| Average total loans | $987,654,000 | 638 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,628 |
| Cost of funding earning assets | 0.6209% | 2,860 |
| Net interest margin | 3.9892% | 1,349 |
| Noninterest income to average assets | 1.0058% | 973 |
| Noninterest expense to average assets | 3.4048% | 843 |
| Loan and lease loss provision to assets | 0.7343% | 363 |
| Net operating income to assets | 0.2821% | 4,450 |
| Return on assets (ROA) | 0.4315% | 4,230 |
| Pretax return on assets | 0.5727% | 4,111 |
| Return on Equity (ROE) | 3.6424% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.6424% | 3,100 |
| Net charge-offs to loans | 0.0567% | 1,688 |
| Credit loss provision to net charge-offs | 1,861.3139% | 510 |
| Earnings coverage of net charge-offs (x) | 28.3394% | 1,470 |
| Efficiency ratio | 73.7697% | 1,487 |
| Assets per employee ($millions) | 4.9878% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,456 |
| Loan loss allowance to noncurrent loans | 54.6996% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.8714% | 410 |
| Noncurrent loans to loans | 1.8684% | 741 |
| Net loans and leases to total assets | 69.2570% | 2,147 |
| Net loans and leases to deposits | 80.4544% | 2,376 |
| Net loans and leases to core deposits | 85.2697% | 2,497 |
| Total domestic deposits to total assets | 86.0823% | 1,977 |
| Equity capital to assets | 11.8664% | 1,746 |
| Core capital (leverage) ratio | 9.5528% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9680% | 2,627 |
| Memoranda: | ||
| Average total assets | $1,389,159,667 | 625 |
| Average earning assets | $1,224,693,333 | 654 |
| Average equity | $164,563,333 | 611 |
| Average total loans | $965,913,667 | 640 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 980 |
| Cost of funding earning assets | 0.7204% | 2,835 |
| Net interest margin | 4.2746% | 801 |
| Noninterest income to average assets | 1.2488% | 564 |
| Noninterest expense to average assets | 3.6841% | 715 |
| Loan and lease loss provision to assets | 0.7666% | 328 |
| Net operating income to assets | 0.4143% | 4,101 |
| Return on assets (ROA) | 0.5501% | 3,801 |
| Pretax return on assets | 0.7071% | 3,664 |
| Return on Equity (ROE) | 4.6484% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.6484% | 2,436 |
| Net charge-offs to loans | 0.0720% | 1,311 |
| Credit loss provision to net charge-offs | 1,536.1446% | 419 |
| Earnings coverage of net charge-offs (x) | 26.0843% | 1,265 |
| Efficiency ratio | 72.4631% | 2,007 |
| Assets per employee ($millions) | 4.2859% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,121 |
| Loan loss allowance to noncurrent loans | 54.0313% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.8459% | 480 |
| Noncurrent loans to loans | 1.6590% | 927 |
| Net loans and leases to total assets | 69.5415% | 2,319 |
| Net loans and leases to deposits | 81.1185% | 2,567 |
| Net loans and leases to core deposits | 87.3509% | 2,573 |
| Total domestic deposits to total assets | 85.7283% | 2,115 |
| Equity capital to assets | 12.1985% | 1,924 |
| Core capital (leverage) ratio | 8.9151% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3574% | 3,261 |
| Memoranda: | ||
| Average total assets | $1,330,586,500 | 629 |
| Average earning assets | $1,163,234,000 | 654 |
| Average equity | $157,472,500 | 630 |
| Average total loans | $921,873,500 | 651 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 1,524 |
| Cost of funding earning assets | 0.7564% | 2,882 |
| Net interest margin | 4.2281% | 1,261 |
| Noninterest income to average assets | 0.7629% | 1,571 |
| Noninterest expense to average assets | 3.9563% | 560 |
| Loan and lease loss provision to assets | 0.1457% | 1,470 |
| Net operating income to assets | 0.3233% | 4,719 |
| Return on assets (ROA) | 0.3021% | 4,777 |
| Pretax return on assets | 0.4274% | 4,667 |
| Return on Equity (ROE) | 2.8610% | 4,688 |
| Retained earnings to average equity (ytd only) | 2.8610% | 3,608 |
| Net charge-offs to loans | 0.0699% | 2,094 |
| Credit loss provision to net charge-offs | 286.2069% | 980 |
| Earnings coverage of net charge-offs (x) | 11.7839% | 2,464 |
| Efficiency ratio | 86.0200% | 540 |
| Assets per employee ($millions) | 4.3263% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6502% | 4,654 |
| Loan loss allowance to noncurrent loans | 49.5996% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.5919% | 614 |
| Noncurrent loans to loans | 1.3109% | 1,146 |
| Net loans and leases to total assets | 67.9595% | 2,684 |
| Net loans and leases to deposits | 78.6463% | 2,944 |
| Net loans and leases to core deposits | 84.5684% | 2,903 |
| Total domestic deposits to total assets | 86.4116% | 1,884 |
| Equity capital to assets | 11.4746% | 2,550 |
| Core capital (leverage) ratio | 8.6835% | 4,728 |
| Tier 1 risk-based capital ratio | 10.4294% | 5,040 |
| Total risk-based capital ratio | 10.9969% | 5,119 |
| Memoranda: | ||
| Average total assets | $854,369,000 | 924 |
| Average earning assets | $766,508,400 | 944 |
| Average equity | $90,214,400 | 975 |
| Average total loans | $622,569,400 | 885 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 2,484 |
| Cost of funding earning assets | 0.7235% | 3,104 |
| Net interest margin | 3.9539% | 2,093 |
| Noninterest income to average assets | 0.4839% | 2,832 |
| Noninterest expense to average assets | 4.0105% | 523 |
| Loan and lease loss provision to assets | 0.1245% | 1,565 |
| Net operating income to assets | -0.0373% | 5,073 |
| Return on assets (ROA) | -0.0701% | 5,091 |
| Pretax return on assets | -0.1147% | 5,090 |
| Return on Equity (ROE) | -0.6916% | 5,092 |
| Retained earnings to average equity (ytd only) | -0.6916% | 4,832 |
| Net charge-offs to loans | 0.0723% | 1,794 |
| Credit loss provision to net charge-offs | 229.8658% | 1,171 |
| Earnings coverage of net charge-offs (x) | 0.9497% | 3,333 |
| Efficiency ratio | 98.7340% | 164 |
| Assets per employee ($millions) | 4.1926% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 4,818 |
| Loan loss allowance to noncurrent loans | 145.4186% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 1,038 |
| Noncurrent loans to loans | 0.4136% | 3,065 |
| Net loans and leases to total assets | 70.9141% | 2,336 |
| Net loans and leases to deposits | 82.3442% | 2,641 |
| Net loans and leases to core deposits | 88.2670% | 2,703 |
| Total domestic deposits to total assets | 86.1191% | 1,937 |
| Equity capital to assets | 11.7115% | 2,494 |
| Core capital (leverage) ratio | 13.9752% | 993 |
| Tier 1 risk-based capital ratio | 10.2076% | 5,152 |
| Total risk-based capital ratio | 10.7361% | 5,217 |
| Memoranda: | ||
| Average total assets | $733,752,500 | 1,039 |
| Average earning assets | $664,001,250 | 1,044 |
| Average equity | $74,419,000 | 1,156 |
| Average total loans | $549,598,750 | 982 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 744 |
| Cost of funding earning assets | 0.8251% | 2,522 |
| Net interest margin | 4.5174% | 744 |
| Noninterest income to average assets | 0.4242% | 3,104 |
| Noninterest expense to average assets | 3.3658% | 1,161 |
| Loan and lease loss provision to assets | 0.1486% | 1,241 |
| Net operating income to assets | 0.8647% | 3,413 |
| Return on assets (ROA) | 0.8647% | 3,478 |
| Pretax return on assets | 1.0923% | 3,257 |
| Return on Equity (ROE) | 9.6982% | 2,534 |
| Retained earnings to average equity (ytd only) | 9.6982% | 846 |
| Net charge-offs to loans | 0.0689% | 1,674 |
| Credit loss provision to net charge-offs | 277.5510% | 942 |
| Earnings coverage of net charge-offs (x) | 23.1837% | 1,660 |
| Efficiency ratio | 73.0635% | 1,766 |
| Assets per employee ($millions) | 5.1527% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,310 |
| Loan loss allowance to noncurrent loans | 799.5556% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 1,993 |
| Noncurrent loans to loans | 0.1550% | 3,984 |
| Net loans and leases to total assets | 74.5163% | 1,799 |
| Net loans and leases to deposits | 86.6553% | 2,180 |
| Net loans and leases to core deposits | 94.5727% | 2,196 |
| Total domestic deposits to total assets | 85.9917% | 2,039 |
| Equity capital to assets | 8.7393% | 4,929 |
| Core capital (leverage) ratio | 8.9406% | 4,681 |
| Tier 1 risk-based capital ratio | 10.0807% | 5,213 |
| Total risk-based capital ratio | 11.1801% | 5,185 |
| Memoranda: | ||
| Average total assets | $549,298,000 | 1,314 |
| Average earning assets | $508,566,670 | 1,317 |
| Average equity | $48,978,330 | 1,626 |
| Average total loans | $426,708,330 | 1,215 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 745 |
| Cost of funding earning assets | 0.8041% | 2,517 |
| Net interest margin | 4.5040% | 736 |
| Noninterest income to average assets | 0.5148% | 2,472 |
| Noninterest expense to average assets | 3.4375% | 1,057 |
| Loan and lease loss provision to assets | 0.1591% | 1,063 |
| Net operating income to assets | 0.8517% | 3,445 |
| Return on assets (ROA) | 0.8517% | 3,488 |
| Pretax return on assets | 1.0781% | 3,211 |
| Return on Equity (ROE) | 9.4508% | 2,610 |
| Retained earnings to average equity (ytd only) | 9.4508% | 1,182 |
| Net charge-offs to loans | 0.0066% | 2,461 |
| Credit loss provision to net charge-offs | 3,042.8571% | 135 |
| Earnings coverage of net charge-offs (x) | 236.5714% | 335 |
| Efficiency ratio | 73.5336% | 1,811 |
| Assets per employee ($millions) | 5.0245% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,463 |
| Loan loss allowance to noncurrent loans | 341.7786% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 1,777 |
| Noncurrent loans to loans | 0.3578% | 3,298 |
| Net loans and leases to total assets | 77.3729% | 1,254 |
| Net loans and leases to deposits | 91.4136% | 1,467 |
| Net loans and leases to core deposits | 99.2676% | 1,688 |
| Total domestic deposits to total assets | 84.6404% | 2,803 |
| Equity capital to assets | 8.7696% | 4,845 |
| Core capital (leverage) ratio | 9.1139% | 4,559 |
| Tier 1 risk-based capital ratio | 9.8146% | 5,307 |
| Total risk-based capital ratio | 10.9055% | 5,299 |
| Memoranda: | ||
| Average total assets | $535,393,500 | 1,351 |
| Average earning assets | $494,494,500 | 1,356 |
| Average equity | $48,250,000 | 1,630 |
| Average total loans | $422,344,500 | 1,228 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 1,001 |
| Cost of funding earning assets | 0.5358% | 3,139 |
| Net interest margin | 4.4868% | 782 |
| Noninterest income to average assets | 0.5685% | 2,457 |
| Noninterest expense to average assets | 3.3996% | 1,152 |
| Loan and lease loss provision to assets | 0.1254% | 1,754 |
| Net operating income to assets | 0.9791% | 3,101 |
| Return on assets (ROA) | 1.0099% | 2,948 |
| Pretax return on assets | 1.2460% | 2,714 |
| Return on Equity (ROE) | 11.0384% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.0404% | 610 |
| Net charge-offs to loans | 0.0037% | 3,598 |
| Credit loss provision to net charge-offs | 4,414.2857% | 117 |
| Earnings coverage of net charge-offs (x) | 469.4286% | 222 |
| Efficiency ratio | 71.8266% | 1,928 |
| Assets per employee ($millions) | 4.6222% | 2,993 |
| Cash dividends to net income (ytd only)* | 9.0416% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,254 |
| Loan loss allowance to noncurrent loans | 297.2222% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 1,528 |
| Noncurrent loans to loans | 0.4237% | 3,022 |
| Net loans and leases to total assets | 78.4863% | 1,183 |
| Net loans and leases to deposits | 94.1156% | 1,262 |
| Net loans and leases to core deposits | 101.2685% | 1,629 |
| Total domestic deposits to total assets | 83.3935% | 3,194 |
| Equity capital to assets | 9.2757% | 4,344 |
| Core capital (leverage) ratio | 9.1409% | 4,521 |
| Tier 1 risk-based capital ratio | 10.4562% | 5,197 |
| Total risk-based capital ratio | 11.6063% | 5,137 |
| Memoranda: | ||
| Average total assets | $492,845,200 | 1,428 |
| Average earning assets | $457,448,200 | 1,425 |
| Average equity | $45,088,000 | 1,662 |
| Average total loans | $382,856,200 | 1,300 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 1,173 |
| Cost of funding earning assets | 0.4868% | 3,280 |
| Net interest margin | 4.4070% | 887 |
| Noninterest income to average assets | 0.5606% | 2,516 |
| Noninterest expense to average assets | 3.3705% | 1,164 |
| Loan and lease loss provision to assets | 0.1553% | 1,258 |
| Net operating income to assets | 0.8931% | 3,568 |
| Return on assets (ROA) | 0.9334% | 3,387 |
| Pretax return on assets | 1.1838% | 3,050 |
| Return on Equity (ROE) | 10.2406% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.8912% | 1,263 |
| Net charge-offs to loans | 0.0159% | 2,858 |
| Credit loss provision to net charge-offs | 1,262.2222% | 323 |
| Earnings coverage of net charge-offs (x) | 104.7085% | 723 |
| Efficiency ratio | 72.3523% | 1,829 |
| Assets per employee ($millions) | 4.6433% | 2,925 |
| Cash dividends to net income (ytd only)* | 13.1773% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,111 |
| Loan loss allowance to noncurrent loans | 325.4990% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 2,006 |
| Noncurrent loans to loans | 0.3981% | 3,228 |
| Net loans and leases to total assets | 76.7795% | 1,540 |
| Net loans and leases to deposits | 88.8776% | 2,036 |
| Net loans and leases to core deposits | 95.0778% | 2,205 |
| Total domestic deposits to total assets | 86.3880% | 2,021 |
| Equity capital to assets | 9.1374% | 4,433 |
| Core capital (leverage) ratio | 8.9954% | 4,709 |
| Tier 1 risk-based capital ratio | 10.1689% | 5,338 |
| Total risk-based capital ratio | 11.3238% | 5,309 |
| Memoranda: | ||
| Average total assets | $487,790,750 | 1,448 |
| Average earning assets | $453,567,750 | 1,438 |
| Average equity | $44,462,500 | 1,682 |
| Average total loans | $376,615,250 | 1,323 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 1,292 |
| Cost of funding earning assets | 0.4499% | 3,361 |
| Net interest margin | 4.3351% | 967 |
| Noninterest income to average assets | 0.5517% | 2,571 |
| Noninterest expense to average assets | 3.3131% | 1,288 |
| Loan and lease loss provision to assets | 0.2347% | 679 |
| Net operating income to assets | 0.8246% | 3,776 |
| Return on assets (ROA) | 0.8857% | 3,525 |
| Pretax return on assets | 1.1212% | 3,228 |
| Return on Equity (ROE) | 9.7252% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.7027% | 1,323 |
| Net charge-offs to loans | 0.0586% | 1,766 |
| Credit loss provision to net charge-offs | 520.1835% | 688 |
| Earnings coverage of net charge-offs (x) | 28.3394% | 1,559 |
| Efficiency ratio | 72.1561% | 1,975 |
| Assets per employee ($millions) | 4.4455% | 3,215 |
| Cash dividends to net income (ytd only)* | 10.5140% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,087 |
| Loan loss allowance to noncurrent loans | 268.7130% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 1,553 |
| Noncurrent loans to loans | 0.4899% | 2,965 |
| Net loans and leases to total assets | 75.8104% | 1,667 |
| Net loans and leases to deposits | 87.6757% | 2,151 |
| Net loans and leases to core deposits | 92.0843% | 2,391 |
| Total domestic deposits to total assets | 86.4669% | 2,070 |
| Equity capital to assets | 9.0844% | 4,496 |
| Core capital (leverage) ratio | 8.8652% | 4,824 |
| Tier 1 risk-based capital ratio | 10.2746% | 5,349 |
| Total risk-based capital ratio | 11.4634% | 5,295 |
| Memoranda: | ||
| Average total assets | $483,229,000 | 1,459 |
| Average earning assets | $450,324,330 | 1,454 |
| Average equity | $44,009,330 | 1,703 |
| Average total loans | $372,125,000 | 1,330 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 1,350 |
| Cost of funding earning assets | 0.4123% | 3,501 |
| Net interest margin | 4.2690% | 1,010 |
| Noninterest income to average assets | 0.6885% | 1,884 |
| Noninterest expense to average assets | 3.2544% | 1,442 |
| Loan and lease loss provision to assets | 0.2368% | 649 |
| Net operating income to assets | 0.9406% | 3,106 |
| Return on assets (ROA) | 1.0642% | 2,601 |
| Pretax return on assets | 1.3469% | 2,192 |
| Return on Equity (ROE) | 11.6696% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.6696% | 748 |
| Net charge-offs to loans | -0.0043% | 3,960 |
| Credit loss provision to net charge-offs | -7,075.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5139% | 2,573 |
| Assets per employee ($millions) | 4.4511% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,318 |
| Loan loss allowance to noncurrent loans | 744.8223% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 2,448 |
| Noncurrent loans to loans | 0.1724% | 4,205 |
| Net loans and leases to total assets | 77.0750% | 1,377 |
| Net loans and leases to deposits | 90.5269% | 1,629 |
| Net loans and leases to core deposits | 94.0403% | 2,135 |
| Total domestic deposits to total assets | 85.1404% | 2,888 |
| Equity capital to assets | 9.1679% | 4,395 |
| Core capital (leverage) ratio | 9.0951% | 4,574 |
| Tier 1 risk-based capital ratio | 10.2536% | 5,425 |
| Total risk-based capital ratio | 11.4295% | 5,387 |
| Memoranda: | ||
| Average total assets | $478,119,500 | 1,478 |
| Average earning assets | $447,226,500 | 1,469 |
| Average equity | $43,600,500 | 1,723 |
| Average total loans | $368,650,000 | 1,346 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,181 |
| Cost of funding earning assets | 0.3162% | 3,991 |
| Net interest margin | 4.3902% | 782 |
| Noninterest income to average assets | 0.2552% | 4,608 |
| Noninterest expense to average assets | 3.2506% | 1,500 |
| Loan and lease loss provision to assets | 0.1612% | 1,389 |
| Net operating income to assets | 0.2921% | 4,941 |
| Return on assets (ROA) | 0.2936% | 4,953 |
| Pretax return on assets | 0.9128% | 3,870 |
| Return on Equity (ROE) | 3.2169% | 4,771 |
| Retained earnings to average equity (ytd only) | 0.7338% | 4,747 |
| Net charge-offs to loans | 0.0024% | 4,025 |
| Credit loss provision to net charge-offs | 9,087.5000% | 37 |
| Earnings coverage of net charge-offs (x) | 604.0000% | 145 |
| Efficiency ratio | 75.2078% | 1,730 |
| Assets per employee ($millions) | 4.5723% | 3,073 |
| Cash dividends to net income (ytd only)* | 77.1903% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,457 |
| Loan loss allowance to noncurrent loans | 509.7863% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,133 |
| Noncurrent loans to loans | 0.2456% | 3,915 |
| Net loans and leases to total assets | 75.1671% | 1,728 |
| Net loans and leases to deposits | 87.2784% | 2,099 |
| Net loans and leases to core deposits | 89.8202% | 2,583 |
| Total domestic deposits to total assets | 86.1234% | 2,380 |
| Equity capital to assets | 9.0699% | 4,647 |
| Core capital (leverage) ratio | 8.8052% | 4,857 |
| Tier 1 risk-based capital ratio | 10.5826% | 5,339 |
| Total risk-based capital ratio | 11.7596% | 5,273 |
| Memoranda: | ||
| Average total assets | $450,936,200 | 1,542 |
| Average earning assets | $417,726,800 | 1,541 |
| Average equity | $41,158,200 | 1,809 |
| Average total loans | $340,002,000 | 1,412 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,153 |
| Cost of funding earning assets | 0.2909% | 4,222 |
| Net interest margin | 4.4021% | 729 |
| Noninterest income to average assets | 0.5402% | 2,779 |
| Noninterest expense to average assets | 3.2527% | 1,454 |
| Loan and lease loss provision to assets | 0.1481% | 1,417 |
| Net operating income to assets | 0.7322% | 3,812 |
| Return on assets (ROA) | 0.7341% | 3,872 |
| Pretax return on assets | 1.2119% | 2,849 |
| Return on Equity (ROE) | 8.0295% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.0295% | 1,209 |
| Net charge-offs to loans | -0.0020% | 4,319 |
| Credit loss provision to net charge-offs | -9,880.0000% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5618% | 2,442 |
| Assets per employee ($millions) | 4.5234% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,957 |
| Loan loss allowance to noncurrent loans | 497.9215% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 1,316 |
| Noncurrent loans to loans | 0.2399% | 4,095 |
| Net loans and leases to total assets | 77.2922% | 1,384 |
| Net loans and leases to deposits | 90.3267% | 1,774 |
| Net loans and leases to core deposits | 92.9126% | 2,357 |
| Total domestic deposits to total assets | 85.5696% | 2,491 |
| Equity capital to assets | 9.7211% | 4,224 |
| Core capital (leverage) ratio | 9.4099% | 4,279 |
| Tier 1 risk-based capital ratio | 10.9396% | 5,281 |
| Total risk-based capital ratio | 12.0631% | 5,252 |
| Memoranda: | ||
| Average total assets | $444,790,500 | 1,573 |
| Average earning assets | $411,189,000 | 1,574 |
| Average equity | $40,665,500 | 1,844 |
| Average total loans | $334,511,000 | 1,438 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 1,007 |
| Cost of funding earning assets | 0.2615% | 4,447 |
| Net interest margin | 4.4651% | 614 |
| Noninterest income to average assets | 0.5232% | 2,875 |
| Noninterest expense to average assets | 3.2651% | 1,435 |
| Loan and lease loss provision to assets | 0.1389% | 1,486 |
| Net operating income to assets | 0.7594% | 3,592 |
| Return on assets (ROA) | 0.7626% | 3,625 |
| Pretax return on assets | 1.2439% | 2,612 |
| Return on Equity (ROE) | 8.5307% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.5307% | 989 |
| Net charge-offs to loans | -0.0031% | 4,237 |
| Credit loss provision to net charge-offs | -6,100.0000% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3246% | 2,617 |
| Assets per employee ($millions) | 4.1515% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,916 |
| Loan loss allowance to noncurrent loans | 662.8617% | 814 |
| Noncurrent assets plus other real estate owned to assets | 1.2764% | 1,301 |
| Noncurrent loans to loans | 0.1836% | 4,383 |
| Net loans and leases to total assets | 74.6579% | 1,759 |
| Net loans and leases to deposits | 88.0856% | 1,969 |
| Net loans and leases to core deposits | 90.8870% | 2,444 |
| Total domestic deposits to total assets | 84.7561% | 2,907 |
| Equity capital to assets | 8.9284% | 4,961 |
| Core capital (leverage) ratio | 8.4263% | 5,265 |
| Tier 1 risk-based capital ratio | 10.0521% | 5,612 |
| Total risk-based capital ratio | 11.1884% | 5,605 |
| Memoranda: | ||
| Average total assets | $439,258,000 | 1,594 |
| Average earning assets | $405,277,670 | 1,597 |
| Average equity | $39,270,000 | 1,905 |
| Average total loans | $325,705,000 | 1,474 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 604 |
| Cost of funding earning assets | 0.2530% | 4,509 |
| Net interest margin | 4.6673% | 394 |
| Noninterest income to average assets | 0.3469% | 4,069 |
| Noninterest expense to average assets | 3.3365% | 1,318 |
| Loan and lease loss provision to assets | 0.1003% | 1,887 |
| Net operating income to assets | 0.7665% | 3,394 |
| Return on assets (ROA) | 0.7729% | 3,408 |
| Pretax return on assets | 1.2146% | 2,532 |
| Return on Equity (ROE) | 8.6399% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.6399% | 1,216 |
| Net charge-offs to loans | -0.0263% | 4,868 |
| Credit loss provision to net charge-offs | -519.0476% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8874% | 2,596 |
| Assets per employee ($millions) | 4.4076% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,259 |
| Loan loss allowance to noncurrent loans | 614.1745% | 899 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 1,171 |
| Noncurrent loans to loans | 0.1920% | 4,437 |
| Net loans and leases to total assets | 74.9497% | 1,587 |
| Net loans and leases to deposits | 85.0687% | 2,155 |
| Net loans and leases to core deposits | 87.7099% | 2,573 |
| Total domestic deposits to total assets | 88.1049% | 1,655 |
| Equity capital to assets | 8.9078% | 4,901 |
| Core capital (leverage) ratio | 8.2696% | 5,399 |
| Tier 1 risk-based capital ratio | 9.7745% | 5,739 |
| Total risk-based capital ratio | 10.8690% | 5,746 |
| Memoranda: | ||
| Average total assets | $434,708,500 | 1,619 |
| Average earning assets | $399,977,000 | 1,622 |
| Average equity | $38,889,500 | 1,928 |
| Average total loans | $319,129,000 | 1,502 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,049 |
| Cost of funding earning assets | 0.2488% | 4,576 |
| Net interest margin | 3.7953% | 2,333 |
| Noninterest income to average assets | 0.4619% | 3,469 |
| Noninterest expense to average assets | 3.3527% | 1,461 |
| Loan and lease loss provision to assets | 0.1015% | 2,345 |
| Net operating income to assets | 1.7145% | 524 |
| Return on assets (ROA) | 1.7276% | 539 |
| Pretax return on assets | 0.4940% | 5,036 |
| Return on Equity (ROE) | 19.9924% | 211 |
| Retained earnings to average equity (ytd only) | 19.9924% | 48 |
| Net charge-offs to loans | -0.0350% | 5,297 |
| Credit loss provision to net charge-offs | -424.2424% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1984% | 885 |
| Assets per employee ($millions) | 4.1617% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,790 |
| Loan loss allowance to noncurrent loans | 707.4212% | 795 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 852 |
| Noncurrent loans to loans | 0.1773% | 4,522 |
| Net loans and leases to total assets | 70.0219% | 2,465 |
| Net loans and leases to deposits | 81.0025% | 2,779 |
| Net loans and leases to core deposits | 83.4721% | 3,077 |
| Total domestic deposits to total assets | 86.4441% | 2,399 |
| Equity capital to assets | 8.9855% | 4,836 |
| Core capital (leverage) ratio | 8.0449% | 5,599 |
| Tier 1 risk-based capital ratio | 10.3636% | 5,631 |
| Total risk-based capital ratio | 11.5383% | 5,601 |
| Memoranda: | ||
| Average total assets | $413,755,000 | 1,631 |
| Average earning assets | $378,655,000 | 1,644 |
| Average equity | $35,753,600 | 2,036 |
| Average total loans | $283,132,800 | 1,605 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,117 |
| Cost of funding earning assets | 0.2554% | 4,556 |
| Net interest margin | 3.7730% | 2,439 |
| Noninterest income to average assets | 0.5720% | 2,801 |
| Noninterest expense to average assets | 3.2511% | 1,676 |
| Loan and lease loss provision to assets | 0.1366% | 1,718 |
| Net operating income to assets | 2.1728% | 257 |
| Return on assets (ROA) | 2.1904% | 264 |
| Pretax return on assets | 0.6555% | 4,723 |
| Return on Equity (ROE) | 25.6144% | 75 |
| Retained earnings to average equity (ytd only) | 25.6144% | 25 |
| Net charge-offs to loans | -0.0422% | 5,307 |
| Credit loss provision to net charge-offs | -477.2727% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7593% | 1,331 |
| Assets per employee ($millions) | 4.1682% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,594 |
| Loan loss allowance to noncurrent loans | 696.3370% | 806 |
| Noncurrent assets plus other real estate owned to assets | 1.9586% | 802 |
| Noncurrent loans to loans | 0.1890% | 4,589 |
| Net loans and leases to total assets | 67.0682% | 2,943 |
| Net loans and leases to deposits | 76.9644% | 3,291 |
| Net loans and leases to core deposits | 79.4584% | 3,504 |
| Total domestic deposits to total assets | 87.1418% | 1,828 |
| Equity capital to assets | 9.0475% | 5,129 |
| Core capital (leverage) ratio | 8.1320% | 5,626 |
| Tier 1 risk-based capital ratio | 10.7957% | 5,476 |
| Total risk-based capital ratio | 12.0219% | 5,396 |
| Memoranda: | ||
| Average total assets | $410,029,750 | 1,648 |
| Average earning assets | $375,327,750 | 1,656 |
| Average equity | $35,062,750 | 2,087 |
| Average total loans | $277,924,500 | 1,624 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,146 |
| Cost of funding earning assets | 0.2669% | 4,482 |
| Net interest margin | 3.7622% | 2,468 |
| Noninterest income to average assets | 0.6010% | 2,613 |
| Noninterest expense to average assets | 3.2302% | 1,741 |
| Loan and lease loss provision to assets | 0.1556% | 1,465 |
| Net operating income to assets | 3.1077% | 86 |
| Return on assets (ROA) | 3.1324% | 86 |
| Pretax return on assets | 0.6790% | 4,682 |
| Return on Equity (ROE) | 37.3906% | 21 |
| Retained earnings to average equity (ytd only) | 37.3906% | 10 |
| Net charge-offs to loans | -0.0948% | 5,597 |
| Credit loss provision to net charge-offs | -242.3077% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9536% | 1,498 |
| Assets per employee ($millions) | 4.0305% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,561 |
| Loan loss allowance to noncurrent loans | 640.2397% | 857 |
| Noncurrent assets plus other real estate owned to assets | 2.0586% | 781 |
| Noncurrent loans to loans | 0.2098% | 4,603 |
| Net loans and leases to total assets | 66.1660% | 3,056 |
| Net loans and leases to deposits | 75.8430% | 3,401 |
| Net loans and leases to core deposits | 78.5515% | 3,598 |
| Total domestic deposits to total assets | 87.2407% | 1,788 |
| Equity capital to assets | 9.1875% | 5,081 |
| Core capital (leverage) ratio | 8.2325% | 5,582 |
| Tier 1 risk-based capital ratio | 11.1136% | 5,359 |
| Total risk-based capital ratio | 12.3724% | 5,271 |
| Memoranda: | ||
| Average total assets | $404,988,330 | 1,666 |
| Average earning assets | $370,211,670 | 1,683 |
| Average equity | $33,928,330 | 2,155 |
| Average total loans | $274,251,000 | 1,646 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 2,858 |
| Cost of funding earning assets | 0.2739% | 4,458 |
| Net interest margin | 3.8211% | 2,217 |
| Noninterest income to average assets | 0.5821% | 2,631 |
| Noninterest expense to average assets | 3.2257% | 1,772 |
| Loan and lease loss provision to assets | 0.2100% | 923 |
| Net operating income to assets | 0.6446% | 4,003 |
| Return on assets (ROA) | 0.6942% | 3,852 |
| Pretax return on assets | 0.6992% | 4,533 |
| Return on Equity (ROE) | 8.7235% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.7235% | 1,192 |
| Net charge-offs to loans | -0.0132% | 4,656 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9667% | 1,757 |
| Assets per employee ($millions) | 4.2633% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,858 |
| Loan loss allowance to noncurrent loans | 891.6244% | 629 |
| Noncurrent assets plus other real estate owned to assets | 2.3394% | 666 |
| Noncurrent loans to loans | 0.1468% | 4,888 |
| Net loans and leases to total assets | 65.4143% | 3,043 |
| Net loans and leases to deposits | 73.6013% | 3,483 |
| Net loans and leases to core deposits | 76.3605% | 3,646 |
| Total domestic deposits to total assets | 88.8765% | 1,167 |
| Equity capital to assets | 7.9737% | 5,834 |
| Core capital (leverage) ratio | 8.2228% | 5,636 |
| Tier 1 risk-based capital ratio | 11.4356% | 5,264 |
| Total risk-based capital ratio | 12.6752% | 5,175 |
| Memoranda: | ||
| Average total assets | $399,912,000 | 1,689 |
| Average earning assets | $366,597,000 | 1,696 |
| Average equity | $31,822,000 | 2,253 |
| Average total loans | $272,166,000 | 1,655 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 2,741 |
| Cost of funding earning assets | 0.2958% | 4,298 |
| Net interest margin | 3.8521% | 2,196 |
| Noninterest income to average assets | 0.7861% | 1,842 |
| Noninterest expense to average assets | 3.3237% | 1,663 |
| Loan and lease loss provision to assets | 0.3107% | 538 |
| Net operating income to assets | 0.9943% | 2,393 |
| Return on assets (ROA) | 1.0109% | 2,393 |
| Pretax return on assets | 0.6551% | 4,661 |
| Return on Equity (ROE) | 13.1373% | 1,024 |
| Retained earnings to average equity (ytd only) | 13.1373% | 197 |
| Net charge-offs to loans | 0.3255% | 920 |
| Credit loss provision to net charge-offs | 136.5188% | 1,917 |
| Earnings coverage of net charge-offs (x) | 4.1706% | 3,602 |
| Efficiency ratio | 77.7845% | 2,000 |
| Assets per employee ($millions) | 4.1559% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 3,523 |
| Loan loss allowance to noncurrent loans | 450.6156% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 2.5040% | 618 |
| Noncurrent loans to loans | 0.2650% | 4,498 |
| Net loans and leases to total assets | 69.0428% | 2,538 |
| Net loans and leases to deposits | 77.7886% | 3,075 |
| Net loans and leases to core deposits | 80.7686% | 3,268 |
| Total domestic deposits to total assets | 88.7570% | 1,255 |
| Equity capital to assets | 7.9403% | 5,876 |
| Core capital (leverage) ratio | 8.0951% | 5,780 |
| Tier 1 risk-based capital ratio | 11.0384% | 5,502 |
| Total risk-based capital ratio | 12.1849% | 5,464 |
| Memoranda: | ||
| Average total assets | $386,191,000 | 1,701 |
| Average earning assets | $349,580,000 | 1,734 |
| Average equity | $29,716,800 | 2,339 |
| Average total loans | $270,077,400 | 1,618 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 2,733 |
| Cost of funding earning assets | 0.3018% | 4,325 |
| Net interest margin | 3.8538% | 2,173 |
| Noninterest income to average assets | 0.7433% | 2,053 |
| Noninterest expense to average assets | 3.4326% | 1,409 |
| Loan and lease loss provision to assets | 0.3125% | 455 |
| Net operating income to assets | 0.9422% | 2,748 |
| Return on assets (ROA) | 0.9499% | 2,807 |
| Pretax return on assets | 0.4812% | 5,266 |
| Return on Equity (ROE) | 12.4465% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.4465% | 320 |
| Net charge-offs to loans | 0.3802% | 679 |
| Credit loss provision to net charge-offs | 117.4935% | 2,024 |
| Earnings coverage of net charge-offs (x) | 2.9556% | 3,572 |
| Efficiency ratio | 81.3678% | 1,481 |
| Assets per employee ($millions) | 4.2038% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,917 |
| Loan loss allowance to noncurrent loans | 410.4359% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 3.5722% | 354 |
| Noncurrent loans to loans | 0.2804% | 4,576 |
| Net loans and leases to total assets | 67.5246% | 2,767 |
| Net loans and leases to deposits | 76.2118% | 3,278 |
| Net loans and leases to core deposits | 79.4482% | 3,470 |
| Total domestic deposits to total assets | 88.6013% | 1,239 |
| Equity capital to assets | 7.6959% | 6,038 |
| Core capital (leverage) ratio | 7.7777% | 5,987 |
| Tier 1 risk-based capital ratio | 10.7330% | 5,789 |
| Total risk-based capital ratio | 11.8265% | 5,781 |
| Memoranda: | ||
| Average total assets | $384,037,000 | 1,725 |
| Average earning assets | $346,316,250 | 1,764 |
| Average equity | $29,308,750 | 2,381 |
| Average total loans | $268,626,750 | 1,633 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 2,631 |
| Cost of funding earning assets | 0.3044% | 4,351 |
| Net interest margin | 3.8719% | 2,069 |
| Noninterest income to average assets | 0.8177% | 1,710 |
| Noninterest expense to average assets | 3.4197% | 1,442 |
| Loan and lease loss provision to assets | 0.3155% | 459 |
| Net operating income to assets | 1.2768% | 1,388 |
| Return on assets (ROA) | 1.2884% | 1,421 |
| Pretax return on assets | 0.5784% | 5,031 |
| Return on Equity (ROE) | 16.9308% | 497 |
| Retained earnings to average equity (ytd only) | 16.9308% | 127 |
| Net charge-offs to loans | 0.0224% | 3,219 |
| Credit loss provision to net charge-offs | 2,000.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 55.9333% | 883 |
| Efficiency ratio | 79.4891% | 1,839 |
| Assets per employee ($millions) | 4.0930% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 3,195 |
| Loan loss allowance to noncurrent loans | 342.6499% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 3.9363% | 341 |
| Noncurrent loans to loans | 0.3821% | 4,339 |
| Net loans and leases to total assets | 68.6810% | 2,539 |
| Net loans and leases to deposits | 77.8633% | 3,050 |
| Net loans and leases to core deposits | 81.7246% | 3,208 |
| Total domestic deposits to total assets | 88.2072% | 1,546 |
| Equity capital to assets | 7.7109% | 6,075 |
| Core capital (leverage) ratio | 7.8324% | 6,004 |
| Tier 1 risk-based capital ratio | 10.4759% | 5,934 |
| Total risk-based capital ratio | 11.7099% | 5,878 |
| Memoranda: | ||
| Average total assets | $380,330,000 | 1,746 |
| Average earning assets | $342,260,330 | 1,788 |
| Average equity | $28,941,330 | 2,421 |
| Average total loans | $268,190,330 | 1,639 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,525 |
| Cost of funding earning assets | 0.3065% | 4,369 |
| Net interest margin | 3.8746% | 1,982 |
| Noninterest income to average assets | 0.9977% | 1,125 |
| Noninterest expense to average assets | 3.4206% | 1,451 |
| Loan and lease loss provision to assets | 0.3191% | 431 |
| Net operating income to assets | 2.0783% | 292 |
| Return on assets (ROA) | 2.1017% | 300 |
| Pretax return on assets | 0.7637% | 4,369 |
| Return on Equity (ROE) | 27.8109% | 71 |
| Retained earnings to average equity (ytd only) | 27.8109% | 29 |
| Net charge-offs to loans | 0.0689% | 2,047 |
| Credit loss provision to net charge-offs | 652.1739% | 446 |
| Earnings coverage of net charge-offs (x) | 21.6522% | 1,373 |
| Efficiency ratio | 76.3533% | 2,460 |
| Assets per employee ($millions) | 4.1474% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,953 |
| Loan loss allowance to noncurrent loans | 514.6730% | 997 |
| Noncurrent assets plus other real estate owned to assets | 3.9071% | 390 |
| Noncurrent loans to loans | 0.2342% | 4,934 |
| Net loans and leases to total assets | 68.5742% | 2,353 |
| Net loans and leases to deposits | 77.2351% | 2,919 |
| Net loans and leases to core deposits | 81.1486% | 3,040 |
| Total domestic deposits to total assets | 88.7862% | 1,399 |
| Equity capital to assets | 7.6813% | 6,130 |
| Core capital (leverage) ratio | 7.9717% | 5,957 |
| Tier 1 risk-based capital ratio | 10.4740% | 6,022 |
| Total risk-based capital ratio | 11.6157% | 6,007 |
| Memoranda: | ||
| Average total assets | $376,076,000 | 1,775 |
| Average earning assets | $337,992,500 | 1,822 |
| Average equity | $28,420,500 | 2,474 |
| Average total loans | $266,985,000 | 1,642 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,463 |
| Cost of funding earning assets | 0.3437% | 4,320 |
| Net interest margin | 3.9961% | 1,910 |
| Noninterest income to average assets | 0.0667% | 6,254 |
| Noninterest expense to average assets | 3.3480% | 1,805 |
| Loan and lease loss provision to assets | 0.2024% | 1,254 |
| Net operating income to assets | 0.0902% | 5,967 |
| Return on assets (ROA) | 0.0899% | 5,995 |
| Pretax return on assets | 0.0899% | 5,998 |
| Return on Equity (ROE) | 1.6086% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.6086% | 5,017 |
| Net charge-offs to loans | 0.7346% | 495 |
| Credit loss provision to net charge-offs | 38.9408% | 3,695 |
| Earnings coverage of net charge-offs (x) | 0.5628% | 4,615 |
| Efficiency ratio | 91.9632% | 706 |
| Assets per employee ($millions) | 4.0530% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 4,462 |
| Loan loss allowance to noncurrent loans | 80.2863% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 5.7483% | 211 |
| Noncurrent loans to loans | 1.3908% | 2,107 |
| Net loans and leases to total assets | 72.1759% | 1,883 |
| Net loans and leases to deposits | 80.7380% | 2,632 |
| Net loans and leases to core deposits | 85.1409% | 2,770 |
| Total domestic deposits to total assets | 89.3952% | 1,022 |
| Equity capital to assets | 7.0008% | 6,326 |
| Core capital (leverage) ratio | 7.1035% | 6,294 |
| Tier 1 risk-based capital ratio | 10.2472% | 6,194 |
| Total risk-based capital ratio | 11.4128% | 6,161 |
| Memoranda: | ||
| Average total assets | $370,493,400 | 1,752 |
| Average earning assets | $331,350,800 | 1,810 |
| Average equity | $20,701,600 | 3,082 |
| Average total loans | $262,166,400 | 1,618 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,444 |
| Cost of funding earning assets | 0.3516% | 4,327 |
| Net interest margin | 3.9924% | 1,903 |
| Noninterest income to average assets | 0.1911% | 5,776 |
| Noninterest expense to average assets | 3.4146% | 1,626 |
| Loan and lease loss provision to assets | 0.2151% | 1,065 |
| Net operating income to assets | 0.1269% | 5,985 |
| Return on assets (ROA) | 0.1212% | 6,027 |
| Pretax return on assets | 0.1212% | 6,038 |
| Return on Equity (ROE) | 2.3119% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.3119% | 4,899 |
| Net charge-offs to loans | 0.5238% | 729 |
| Credit loss provision to net charge-offs | 58.4795% | 2,963 |
| Earnings coverage of net charge-offs (x) | 0.9298% | 4,273 |
| Efficiency ratio | 90.8961% | 780 |
| Assets per employee ($millions) | 4.0428% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,102 |
| Loan loss allowance to noncurrent loans | 40.6042% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 7.1140% | 164 |
| Noncurrent loans to loans | 3.4818% | 694 |
| Net loans and leases to total assets | 70.5678% | 2,099 |
| Net loans and leases to deposits | 78.4687% | 2,898 |
| Net loans and leases to core deposits | 82.6410% | 3,044 |
| Total domestic deposits to total assets | 89.9311% | 766 |
| Equity capital to assets | 6.9403% | 6,394 |
| Core capital (leverage) ratio | 6.9624% | 6,384 |
| Tier 1 risk-based capital ratio | 10.3215% | 6,259 |
| Total risk-based capital ratio | 11.5743% | 6,226 |
| Memoranda: | ||
| Average total assets | $371,924,250 | 1,769 |
| Average earning assets | $332,157,500 | 1,819 |
| Average equity | $19,492,750 | 3,225 |
| Average total loans | $261,145,750 | 1,627 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,440 |
| Cost of funding earning assets | 0.3586% | 4,335 |
| Net interest margin | 3.9786% | 1,876 |
| Noninterest income to average assets | 0.1945% | 5,800 |
| Noninterest expense to average assets | 3.4426% | 1,588 |
| Loan and lease loss provision to assets | 0.2411% | 931 |
| Net operating income to assets | 0.0536% | 6,130 |
| Return on assets (ROA) | 0.0477% | 6,164 |
| Pretax return on assets | 0.0477% | 6,154 |
| Return on Equity (ROE) | 1.0183% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.0183% | 5,349 |
| Net charge-offs to loans | 0.5614% | 727 |
| Credit loss provision to net charge-offs | 61.5595% | 2,613 |
| Earnings coverage of net charge-offs (x) | 0.7524% | 3,980 |
| Efficiency ratio | 92.1147% | 758 |
| Assets per employee ($millions) | 4.1185% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,037 |
| Loan loss allowance to noncurrent loans | 43.8648% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 7.4485% | 156 |
| Noncurrent loans to loans | 3.3485% | 823 |
| Net loans and leases to total assets | 69.2328% | 2,195 |
| Net loans and leases to deposits | 76.6460% | 2,973 |
| Net loans and leases to core deposits | 80.6898% | 3,132 |
| Total domestic deposits to total assets | 90.3281% | 648 |
| Equity capital to assets | 4.7899% | 6,594 |
| Core capital (leverage) ratio | 4.9707% | 6,588 |
| Tier 1 risk-based capital ratio | 7.1869% | 6,590 |
| Total risk-based capital ratio | 8.4401% | 6,589 |
| Memoranda: | ||
| Average total assets | $373,267,000 | 1,757 |
| Average earning assets | $332,381,000 | 1,816 |
| Average equity | $17,479,330 | 3,475 |
| Average total loans | $260,414,670 | 1,629 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,287 |
| Cost of funding earning assets | 0.3631% | 4,406 |
| Net interest margin | 4.0002% | 1,760 |
| Noninterest income to average assets | 0.1160% | 6,272 |
| Noninterest expense to average assets | 3.5929% | 1,319 |
| Loan and lease loss provision to assets | 0.2416% | 907 |
| Net operating income to assets | -0.1697% | 6,337 |
| Return on assets (ROA) | -0.1815% | 6,350 |
| Pretax return on assets | -0.1815% | 6,337 |
| Return on Equity (ROE) | -3.9204% | 6,441 |
| Retained earnings to average equity (ytd only) | -3.9204% | 6,051 |
| Net charge-offs to loans | 0.7693% | 450 |
| Credit loss provision to net charge-offs | 45.1807% | 2,257 |
| Earnings coverage of net charge-offs (x) | 0.1345% | 3,413 |
| Efficiency ratio | 98.0369% | 542 |
| Assets per employee ($millions) | 4.0808% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 3,225 |
| Loan loss allowance to noncurrent loans | 41.2999% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 7.7031% | 178 |
| Noncurrent loans to loans | 3.5862% | 799 |
| Net loans and leases to total assets | 68.6720% | 2,119 |
| Net loans and leases to deposits | 75.3799% | 2,890 |
| Net loans and leases to core deposits | 79.1122% | 3,076 |
| Total domestic deposits to total assets | 91.1012% | 535 |
| Equity capital to assets | 4.6224% | 6,656 |
| Core capital (leverage) ratio | 4.9514% | 6,647 |
| Tier 1 risk-based capital ratio | 6.9840% | 6,652 |
| Total risk-based capital ratio | 8.2368% | 6,653 |
| Memoranda: | ||
| Average total assets | $372,507,500 | 1,769 |
| Average earning assets | $330,485,000 | 1,824 |
| Average equity | $17,243,000 | 3,515 |
| Average total loans | $258,950,500 | 1,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,924 |
| Cost of funding earning assets | 0.4937% | 3,668 |
| Net interest margin | 3.8156% | 2,599 |
| Noninterest income to average assets | 0.2448% | 5,592 |
| Noninterest expense to average assets | 3.3087% | 2,119 |
| Loan and lease loss provision to assets | 0.2448% | 1,477 |
| Net operating income to assets | 0.0297% | 6,165 |
| Return on assets (ROA) | 0.0563% | 6,169 |
| Pretax return on assets | 0.0563% | 6,147 |
| Return on Equity (ROE) | 1.1608% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.1608% | 5,308 |
| Net charge-offs to loans | 0.4250% | 1,571 |
| Credit loss provision to net charge-offs | 84.3486% | 2,917 |
| Earnings coverage of net charge-offs (x) | 0.9456% | 4,768 |
| Efficiency ratio | 92.3398% | 851 |
| Assets per employee ($millions) | 4.1065% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 2,682 |
| Loan loss allowance to noncurrent loans | 51.7978% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 8.4090% | 175 |
| Noncurrent loans to loans | 3.1264% | 1,099 |
| Net loans and leases to total assets | 68.2010% | 2,320 |
| Net loans and leases to deposits | 75.9195% | 2,974 |
| Net loans and leases to core deposits | 79.8240% | 3,153 |
| Total domestic deposits to total assets | 89.8334% | 1,162 |
| Equity capital to assets | 4.6355% | 6,711 |
| Core capital (leverage) ratio | 4.9176% | 6,720 |
| Tier 1 risk-based capital ratio | 6.9888% | 6,729 |
| Total risk-based capital ratio | 8.2427% | 6,732 |
| Memoranda: | ||
| Average total assets | $367,608,400 | 1,773 |
| Average earning assets | $321,629,800 | 1,849 |
| Average equity | $17,832,000 | 3,443 |
| Average total loans | $251,037,400 | 1,656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 3,070 |
| Cost of funding earning assets | 0.5175% | 3,591 |
| Net interest margin | 3.7646% | 2,784 |
| Noninterest income to average assets | 0.3432% | 4,947 |
| Noninterest expense to average assets | 3.2018% | 2,364 |
| Loan and lease loss provision to assets | 0.2451% | 1,464 |
| Net operating income to assets | 0.1852% | 5,947 |
| Return on assets (ROA) | 0.1870% | 6,014 |
| Pretax return on assets | 0.1870% | 6,057 |
| Return on Equity (ROE) | 3.8132% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.8132% | 3,975 |
| Net charge-offs to loans | 0.5419% | 1,176 |
| Credit loss provision to net charge-offs | 66.5025% | 3,148 |
| Earnings coverage of net charge-offs (x) | 1.1675% | 4,455 |
| Efficiency ratio | 88.1512% | 1,157 |
| Assets per employee ($millions) | 4.2827% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,068 |
| Loan loss allowance to noncurrent loans | 55.3452% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 8.3626% | 208 |
| Noncurrent loans to loans | 2.8639% | 1,440 |
| Net loans and leases to total assets | 65.5031% | 2,719 |
| Net loans and leases to deposits | 71.4588% | 3,576 |
| Net loans and leases to core deposits | 75.1540% | 3,715 |
| Total domestic deposits to total assets | 91.6655% | 324 |
| Equity capital to assets | 4.7514% | 6,787 |
| Core capital (leverage) ratio | 5.0247% | 6,786 |
| Tier 1 risk-based capital ratio | 7.1746% | 6,798 |
| Total risk-based capital ratio | 8.4280% | 6,798 |
| Memoranda: | ||
| Average total assets | $367,115,250 | 1,787 |
| Average earning assets | $320,736,750 | 1,864 |
| Average equity | $18,007,000 | 3,456 |
| Average total loans | $249,745,000 | 1,664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 3,062 |
| Cost of funding earning assets | 0.5394% | 3,508 |
| Net interest margin | 3.7346% | 2,823 |
| Noninterest income to average assets | 0.2287% | 5,811 |
| Noninterest expense to average assets | 3.1770% | 2,416 |
| Loan and lease loss provision to assets | 0.2473% | 1,510 |
| Net operating income to assets | 0.0583% | 6,226 |
| Return on assets (ROA) | 0.0610% | 6,299 |
| Pretax return on assets | 0.0610% | 6,291 |
| Return on Equity (ROE) | 1.2306% | 6,159 |
| Retained earnings to average equity (ytd only) | 1.2306% | 5,405 |
| Net charge-offs to loans | 0.6352% | 1,033 |
| Credit loss provision to net charge-offs | 56.8182% | 3,075 |
| Earnings coverage of net charge-offs (x) | 0.7020% | 4,288 |
| Efficiency ratio | 91.2247% | 960 |
| Assets per employee ($millions) | 4.3191% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,249 |
| Loan loss allowance to noncurrent loans | 48.0474% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 8.7631% | 198 |
| Noncurrent loans to loans | 3.2756% | 1,341 |
| Net loans and leases to total assets | 66.9086% | 2,432 |
| Net loans and leases to deposits | 72.8996% | 3,318 |
| Net loans and leases to core deposits | 76.9558% | 3,431 |
| Total domestic deposits to total assets | 91.7818% | 303 |
| Equity capital to assets | 4.6798% | 6,843 |
| Core capital (leverage) ratio | 5.0023% | 6,830 |
| Tier 1 risk-based capital ratio | 7.0239% | 6,844 |
| Total risk-based capital ratio | 8.2773% | 6,845 |
| Memoranda: | ||
| Average total assets | $363,860,330 | 1,802 |
| Average earning assets | $317,039,000 | 1,891 |
| Average equity | $18,040,330 | 3,475 |
| Average total loans | $249,378,670 | 1,661 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,930 |
| Cost of funding earning assets | 0.5458% | 3,610 |
| Net interest margin | 3.7428% | 2,685 |
| Noninterest income to average assets | 0.4710% | 3,987 |
| Noninterest expense to average assets | 3.1594% | 2,485 |
| Loan and lease loss provision to assets | 0.2500% | 1,441 |
| Net operating income to assets | 0.3066% | 5,547 |
| Return on assets (ROA) | 0.3122% | 5,654 |
| Pretax return on assets | 0.3122% | 5,828 |
| Return on Equity (ROE) | 6.1190% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.1190% | 2,614 |
| Net charge-offs to loans | 1.2590% | 453 |
| Credit loss provision to net charge-offs | 28.8462% | 2,902 |
| Earnings coverage of net charge-offs (x) | 0.6423% | 3,611 |
| Efficiency ratio | 85.0224% | 1,635 |
| Assets per employee ($millions) | 4.2543% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 3,791 |
| Loan loss allowance to noncurrent loans | 41.8913% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 9.6174% | 212 |
| Noncurrent loans to loans | 3.6009% | 1,321 |
| Net loans and leases to total assets | 67.9081% | 2,030 |
| Net loans and leases to deposits | 74.5907% | 2,838 |
| Net loans and leases to core deposits | 78.9320% | 2,942 |
| Total domestic deposits to total assets | 91.0410% | 507 |
| Equity capital to assets | 5.1093% | 6,883 |
| Core capital (leverage) ratio | 5.2077% | 6,862 |
| Tier 1 risk-based capital ratio | 7.1156% | 6,893 |
| Total risk-based capital ratio | 8.3679% | 6,895 |
| Memoranda: | ||
| Average total assets | $360,068,500 | 1,835 |
| Average earning assets | $312,176,000 | 1,944 |
| Average equity | $18,369,000 | 3,474 |
| Average total loans | $247,817,000 | 1,678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 3,400 |
| Cost of funding earning assets | 0.7844% | 2,788 |
| Net interest margin | 3.7131% | 3,590 |
| Noninterest income to average assets | 0.5011% | 3,889 |
| Noninterest expense to average assets | 3.2125% | 2,567 |
| Loan and lease loss provision to assets | 0.1040% | 4,340 |
| Net operating income to assets | 0.4323% | 4,960 |
| Return on assets (ROA) | 0.6448% | 4,277 |
| Pretax return on assets | 0.6448% | 4,838 |
| Return on Equity (ROE) | 14.1139% | 973 |
| Retained earnings to average equity (ytd only) | 14.1139% | 199 |
| Net charge-offs to loans | 0.5868% | 1,971 |
| Credit loss provision to net charge-offs | 26.0779% | 5,186 |
| Earnings coverage of net charge-offs (x) | 1.3442% | 4,784 |
| Efficiency ratio | 85.6942% | 1,458 |
| Assets per employee ($millions) | 4.2179% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 2,752 |
| Loan loss allowance to noncurrent loans | 60.3299% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 9.6482% | 230 |
| Noncurrent loans to loans | 2.9045% | 1,802 |
| Net loans and leases to total assets | 67.4968% | 2,279 |
| Net loans and leases to deposits | 73.9733% | 3,089 |
| Net loans and leases to core deposits | 78.6175% | 3,184 |
| Total domestic deposits to total assets | 91.2449% | 415 |
| Equity capital to assets | 5.0937% | 6,944 |
| Core capital (leverage) ratio | 5.1276% | 6,926 |
| Tier 1 risk-based capital ratio | 7.0167% | 6,955 |
| Total risk-based capital ratio | 8.2719% | 6,955 |
| Memoranda: | ||
| Average total assets | $360,434,000 | 1,801 |
| Average earning assets | $315,265,000 | 1,880 |
| Average equity | $16,466,000 | 3,710 |
| Average total loans | $245,076,800 | 1,682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 3,700 |
| Cost of funding earning assets | 0.8437% | 2,599 |
| Net interest margin | 3.6409% | 4,052 |
| Noninterest income to average assets | 0.7529% | 2,463 |
| Noninterest expense to average assets | 3.2672% | 2,366 |
| Loan and lease loss provision to assets | 0.0554% | 5,044 |
| Net operating income to assets | 0.6265% | 4,260 |
| Return on assets (ROA) | 0.9069% | 3,185 |
| Pretax return on assets | 0.9069% | 4,078 |
| Return on Equity (ROE) | 20.4361% | 310 |
| Retained earnings to average equity (ytd only) | 20.4361% | 80 |
| Net charge-offs to loans | 0.4369% | 2,354 |
| Credit loss provision to net charge-offs | 18.7032% | 4,972 |
| Earnings coverage of net charge-offs (x) | 2.3017% | 4,124 |
| Efficiency ratio | 82.7315% | 1,732 |
| Assets per employee ($millions) | 4.3471% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 2,341 |
| Loan loss allowance to noncurrent loans | 59.1615% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 10.2269% | 231 |
| Noncurrent loans to loans | 3.2880% | 1,670 |
| Net loans and leases to total assets | 67.6703% | 2,342 |
| Net loans and leases to deposits | 74.7510% | 3,177 |
| Net loans and leases to core deposits | 79.7206% | 3,238 |
| Total domestic deposits to total assets | 90.5276% | 591 |
| Equity capital to assets | 5.2758% | 7,032 |
| Core capital (leverage) ratio | 5.1164% | 7,014 |
| Tier 1 risk-based capital ratio | 7.1152% | 7,041 |
| Total risk-based capital ratio | 8.3723% | 7,040 |
| Memoranda: | ||
| Average total assets | $360,912,000 | 1,827 |
| Average earning assets | $316,836,000 | 1,891 |
| Average equity | $16,017,000 | 3,812 |
| Average total loans | $244,769,250 | 1,700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 4,193 |
| Cost of funding earning assets | 0.8976% | 2,420 |
| Net interest margin | 3.5011% | 4,663 |
| Noninterest income to average assets | 0.8377% | 2,015 |
| Noninterest expense to average assets | 3.2300% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6932% | 3,902 |
| Return on assets (ROA) | 0.7036% | 4,113 |
| Pretax return on assets | 0.7036% | 4,823 |
| Return on Equity (ROE) | 16.8825% | 654 |
| Retained earnings to average equity (ytd only) | 16.8825% | 189 |
| Net charge-offs to loans | 0.3864% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.6603% | 3,675 |
| Efficiency ratio | 82.3315% | 1,843 |
| Assets per employee ($millions) | 4.4872% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 2,289 |
| Loan loss allowance to noncurrent loans | 52.4150% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 9.3677% | 302 |
| Noncurrent loans to loans | 3.7729% | 1,492 |
| Net loans and leases to total assets | 66.0757% | 2,654 |
| Net loans and leases to deposits | 72.6050% | 3,516 |
| Net loans and leases to core deposits | 80.3835% | 3,163 |
| Total domestic deposits to total assets | 91.0070% | 442 |
| Equity capital to assets | 4.4144% | 7,122 |
| Core capital (leverage) ratio | 4.2691% | 7,113 |
| Tier 1 risk-based capital ratio | 5.9024% | 7,129 |
| Total risk-based capital ratio | 7.1603% | 7,130 |
| Memoranda: | ||
| Average total assets | $363,843,000 | 1,813 |
| Average earning assets | $320,644,000 | 1,865 |
| Average equity | $15,163,670 | 3,956 |
| Average total loans | $245,356,670 | 1,684 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 4,291 |
| Cost of funding earning assets | 0.9644% | 2,202 |
| Net interest margin | 3.4456% | 4,929 |
| Noninterest income to average assets | 0.5307% | 3,694 |
| Noninterest expense to average assets | 3.3058% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2587% | 5,787 |
| Return on assets (ROA) | 0.2587% | 5,945 |
| Pretax return on assets | 0.2587% | 6,065 |
| Return on Equity (ROE) | 6.4004% | 4,091 |
| Retained earnings to average equity (ytd only) | 6.4004% | 2,741 |
| Net charge-offs to loans | 0.5967% | 1,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.6429% | 4,014 |
| Efficiency ratio | 92.7419% | 897 |
| Assets per employee ($millions) | 4.4972% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0433% | 2,231 |
| Loan loss allowance to noncurrent loans | 58.4090% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 9.3380% | 353 |
| Noncurrent loans to loans | 3.4982% | 1,788 |
| Net loans and leases to total assets | 66.8266% | 2,326 |
| Net loans and leases to deposits | 72.7955% | 3,302 |
| Net loans and leases to core deposits | 80.7422% | 2,976 |
| Total domestic deposits to total assets | 91.8005% | 307 |
| Equity capital to assets | 4.0497% | 7,184 |
| Core capital (leverage) ratio | 3.9862% | 7,179 |
| Tier 1 risk-based capital ratio | 5.5364% | 7,187 |
| Total risk-based capital ratio | 6.7947% | 7,188 |
| Memoranda: | ||
| Average total assets | $361,787,500 | 1,830 |
| Average earning assets | $318,547,500 | 1,883 |
| Average equity | $14,624,000 | 4,069 |
| Average total loans | $244,018,500 | 1,697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 4,746 |
| Cost of funding earning assets | 1.1840% | 2,140 |
| Net interest margin | 3.3985% | 5,485 |
| Noninterest income to average assets | -0.5238% | 7,268 |
| Noninterest expense to average assets | 3.0089% | 3,559 |
| Loan and lease loss provision to assets | 0.7078% | 1,444 |
| Net operating income to assets | -1.2669% | 6,843 |
| Return on assets (ROA) | -1.1799% | 6,838 |
| Pretax return on assets | -1.1799% | 6,804 |
| Return on Equity (ROE) | -25.7300% | 7,053 |
| Retained earnings to average equity (ytd only) | -25.7300% | 7,043 |
| Net charge-offs to loans | 1.8666% | 772 |
| Credit loss provision to net charge-offs | 56.6870% | 5,252 |
| Earnings coverage of net charge-offs (x) | -0.4478% | 6,059 |
| Efficiency ratio | 122.8250% | 284 |
| Assets per employee ($millions) | 4.6051% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2173% | 1,772 |
| Loan loss allowance to noncurrent loans | 69.3528% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 9.0863% | 397 |
| Noncurrent loans to loans | 3.1971% | 2,022 |
| Net loans and leases to total assets | 65.2055% | 2,937 |
| Net loans and leases to deposits | 71.9686% | 3,798 |
| Net loans and leases to core deposits | 82.3985% | 3,122 |
| Total domestic deposits to total assets | 90.6028% | 665 |
| Equity capital to assets | 4.0346% | 7,224 |
| Core capital (leverage) ratio | 3.7951% | 7,227 |
| Tier 1 risk-based capital ratio | 5.4852% | 7,223 |
| Total risk-based capital ratio | 6.7452% | 7,224 |
| Memoranda: | ||
| Average total assets | $381,470,200 | 1,696 |
| Average earning assets | $333,769,800 | 1,776 |
| Average equity | $17,493,200 | 3,504 |
| Average total loans | $255,165,800 | 1,650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 5,246 |
| Cost of funding earning assets | 1.2138% | 2,237 |
| Net interest margin | 3.2887% | 5,892 |
| Noninterest income to average assets | 0.2992% | 5,470 |
| Noninterest expense to average assets | 3.0105% | 3,523 |
| Loan and lease loss provision to assets | 0.6824% | 1,415 |
| Net operating income to assets | -0.5207% | 6,647 |
| Return on assets (ROA) | -0.4060% | 6,636 |
| Pretax return on assets | -0.4060% | 6,568 |
| Return on Equity (ROE) | -8.6093% | 6,848 |
| Retained earnings to average equity (ytd only) | -8.6093% | 6,802 |
| Net charge-offs to loans | 1.8221% | 729 |
| Credit loss provision to net charge-offs | 55.9490% | 4,900 |
| Earnings coverage of net charge-offs (x) | 0.1326% | 5,506 |
| Efficiency ratio | 94.9025% | 871 |
| Assets per employee ($millions) | 4.7013% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3382% | 1,630 |
| Loan loss allowance to noncurrent loans | 41.5426% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 11.5552% | 248 |
| Noncurrent loans to loans | 5.6285% | 1,038 |
| Net loans and leases to total assets | 64.5697% | 3,192 |
| Net loans and leases to deposits | 74.0221% | 3,651 |
| Net loans and leases to core deposits | 83.8884% | 3,078 |
| Total domestic deposits to total assets | 87.2303% | 2,507 |
| Equity capital to assets | 4.7588% | 7,278 |
| Core capital (leverage) ratio | 4.6403% | 7,265 |
| Tier 1 risk-based capital ratio | 6.3471% | 7,281 |
| Total risk-based capital ratio | 7.6082% | 7,281 |
| Memoranda: | ||
| Average total assets | $385,888,000 | 1,689 |
| Average earning assets | $337,109,500 | 1,771 |
| Average equity | $18,197,000 | 3,406 |
| Average total loans | $258,308,250 | 1,647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 5,210 |
| Cost of funding earning assets | 1.2649% | 2,152 |
| Net interest margin | 3.2761% | 5,925 |
| Noninterest income to average assets | 0.1682% | 6,458 |
| Noninterest expense to average assets | 3.0378% | 3,493 |
| Loan and lease loss provision to assets | 0.8772% | 1,020 |
| Net operating income to assets | -0.8855% | 6,903 |
| Return on assets (ROA) | -0.8282% | 6,888 |
| Pretax return on assets | -0.8282% | 6,836 |
| Return on Equity (ROE) | -17.6161% | 7,126 |
| Retained earnings to average equity (ytd only) | -17.6161% | 7,107 |
| Net charge-offs to loans | 2.3118% | 546 |
| Credit loss provision to net charge-offs | 56.4596% | 4,430 |
| Earnings coverage of net charge-offs (x) | -0.0053% | 5,287 |
| Efficiency ratio | 100.2725% | 711 |
| Assets per employee ($millions) | 4.8559% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4145% | 1,562 |
| Loan loss allowance to noncurrent loans | 44.1238% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 11.7829% | 272 |
| Noncurrent loans to loans | 5.4721% | 1,158 |
| Net loans and leases to total assets | 65.4223% | 3,157 |
| Net loans and leases to deposits | 76.1583% | 3,436 |
| Net loans and leases to core deposits | 86.6758% | 2,798 |
| Total domestic deposits to total assets | 85.9030% | 3,373 |
| Equity capital to assets | 4.5828% | 7,348 |
| Core capital (leverage) ratio | 4.4585% | 7,339 |
| Tier 1 risk-based capital ratio | 6.0436% | 7,360 |
| Total risk-based capital ratio | 7.3048% | 7,365 |
| Memoranda: | ||
| Average total assets | $387,581,670 | 1,692 |
| Average earning assets | $338,515,000 | 1,767 |
| Average equity | $18,222,000 | 3,384 |
| Average total loans | $260,486,670 | 1,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 5,332 |
| Cost of funding earning assets | 1.3394% | 1,954 |
| Net interest margin | 3.1627% | 6,184 |
| Noninterest income to average assets | 0.3623% | 5,018 |
| Noninterest expense to average assets | 3.0827% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0480% | 6,238 |
| Return on assets (ROA) | 0.0918% | 6,168 |
| Pretax return on assets | 0.0918% | 6,190 |
| Return on Equity (ROE) | 1.9299% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.9299% | 4,968 |
| Net charge-offs to loans | 2.2186% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0321% | 4,557 |
| Efficiency ratio | 98.4681% | 809 |
| Assets per employee ($millions) | 4.8079% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 1,823 |
| Loan loss allowance to noncurrent loans | 27.2553% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 13.3058% | 201 |
| Noncurrent loans to loans | 8.3223% | 576 |
| Net loans and leases to total assets | 66.1503% | 2,971 |
| Net loans and leases to deposits | 77.0421% | 3,243 |
| Net loans and leases to core deposits | 86.8675% | 2,751 |
| Total domestic deposits to total assets | 85.8625% | 3,603 |
| Equity capital to assets | 4.7828% | 7,389 |
| Core capital (leverage) ratio | 4.7930% | 7,375 |
| Tier 1 risk-based capital ratio | 6.4417% | 7,407 |
| Total risk-based capital ratio | 7.7016% | 7,408 |
| Memoranda: | ||
| Average total assets | $391,992,000 | 1,683 |
| Average earning assets | $343,128,000 | 1,756 |
| Average equity | $18,654,000 | 3,302 |
| Average total loans | $263,767,500 | 1,652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 6,173 |
| Cost of funding earning assets | 1.5427% | 2,390 |
| Net interest margin | 3.0370% | 6,664 |
| Noninterest income to average assets | 0.1141% | 6,833 |
| Noninterest expense to average assets | 3.0989% | 3,461 |
| Loan and lease loss provision to assets | 0.6395% | 2,575 |
| Net operating income to assets | -1.6749% | 6,961 |
| Return on assets (ROA) | -1.5684% | 6,953 |
| Pretax return on assets | -0.8266% | 6,529 |
| Return on Equity (ROE) | -29.0691% | 7,213 |
| Retained earnings to average equity (ytd only) | -29.0691% | 7,201 |
| Net charge-offs to loans | 1.0322% | 2,139 |
| Credit loss provision to net charge-offs | 93.2234% | 4,981 |
| Earnings coverage of net charge-offs (x) | -0.4281% | 6,417 |
| Efficiency ratio | 110.4682% | 526 |
| Assets per employee ($millions) | 4.8709% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8196% | 1,030 |
| Loan loss allowance to noncurrent loans | 37.5252% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 12.6999% | 245 |
| Noncurrent loans to loans | 7.5138% | 722 |
| Net loans and leases to total assets | 65.0113% | 3,661 |
| Net loans and leases to deposits | 75.1491% | 3,994 |
| Net loans and leases to core deposits | 87.0388% | 3,179 |
| Total domestic deposits to total assets | 86.5098% | 3,074 |
| Equity capital to assets | 4.7351% | 7,455 |
| Core capital (leverage) ratio | 4.5727% | 7,454 |
| Tier 1 risk-based capital ratio | 6.2577% | 7,469 |
| Total risk-based capital ratio | 7.5231% | 7,471 |
| Memoranda: | ||
| Average total assets | $406,589,600 | 1,625 |
| Average earning assets | $360,285,600 | 1,663 |
| Average equity | $21,937,400 | 2,885 |
| Average total loans | $270,187,200 | 1,651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 6,457 |
| Cost of funding earning assets | 1.5619% | 2,598 |
| Net interest margin | 2.9948% | 6,847 |
| Noninterest income to average assets | 0.1520% | 6,770 |
| Noninterest expense to average assets | 3.0155% | 3,688 |
| Loan and lease loss provision to assets | 0.6510% | 2,348 |
| Net operating income to assets | -1.8359% | 7,194 |
| Return on assets (ROA) | -1.6949% | 7,170 |
| Pretax return on assets | -0.7129% | 6,686 |
| Return on Equity (ROE) | -30.5148% | 7,395 |
| Retained earnings to average equity (ytd only) | -30.5148% | 7,386 |
| Net charge-offs to loans | 1.1810% | 1,727 |
| Credit loss provision to net charge-offs | 83.0910% | 5,036 |
| Earnings coverage of net charge-offs (x) | -0.2588% | 6,221 |
| Efficiency ratio | 107.2098% | 575 |
| Assets per employee ($millions) | 4.8632% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6718% | 1,115 |
| Loan loss allowance to noncurrent loans | 32.5054% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 11.9065% | 280 |
| Noncurrent loans to loans | 8.2196% | 615 |
| Net loans and leases to total assets | 64.4184% | 4,038 |
| Net loans and leases to deposits | 74.0833% | 4,497 |
| Net loans and leases to core deposits | 84.7165% | 3,845 |
| Total domestic deposits to total assets | 86.9540% | 2,557 |
| Equity capital to assets | 4.9891% | 7,578 |
| Core capital (leverage) ratio | 4.8380% | 7,562 |
| Tier 1 risk-based capital ratio | 6.4844% | 7,584 |
| Total risk-based capital ratio | 7.7483% | 7,587 |
| Memoranda: | ||
| Average total assets | $409,600,750 | 1,641 |
| Average earning assets | $363,916,000 | 1,676 |
| Average equity | $22,751,250 | 2,838 |
| Average total loans | $271,748,750 | 1,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 6,788 |
| Cost of funding earning assets | 1.5885% | 2,721 |
| Net interest margin | 2.8678% | 7,056 |
| Noninterest income to average assets | 0.0200% | 7,465 |
| Noninterest expense to average assets | 3.0339% | 3,578 |
| Loan and lease loss provision to assets | 0.7318% | 1,984 |
| Net operating income to assets | -2.6695% | 7,455 |
| Return on assets (ROA) | -2.5036% | 7,430 |
| Pretax return on assets | -1.0318% | 6,903 |
| Return on Equity (ROE) | -43.5999% | 7,563 |
| Retained earnings to average equity (ytd only) | -43.5999% | 7,556 |
| Net charge-offs to loans | 1.6083% | 1,181 |
| Credit loss provision to net charge-offs | 68.5244% | 5,006 |
| Earnings coverage of net charge-offs (x) | -0.4363% | 6,000 |
| Efficiency ratio | 118.1421% | 437 |
| Assets per employee ($millions) | 4.7711% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6106% | 1,178 |
| Loan loss allowance to noncurrent loans | 27.2299% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 12.2008% | 258 |
| Noncurrent loans to loans | 9.5874% | 477 |
| Net loans and leases to total assets | 63.1148% | 4,441 |
| Net loans and leases to deposits | 72.4266% | 4,923 |
| Net loans and leases to core deposits | 82.0359% | 4,412 |
| Total domestic deposits to total assets | 87.1431% | 2,459 |
| Equity capital to assets | 4.9459% | 7,640 |
| Core capital (leverage) ratio | 4.8362% | 7,619 |
| Tier 1 risk-based capital ratio | 6.6789% | 7,626 |
| Total risk-based capital ratio | 7.9422% | 7,628 |
| Memoranda: | ||
| Average total assets | $409,964,670 | 1,657 |
| Average earning assets | $364,246,670 | 1,689 |
| Average equity | $23,541,330 | 2,739 |
| Average total loans | $272,205,330 | 1,681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 6,778 |
| Cost of funding earning assets | 1.6273% | 2,788 |
| Net interest margin | 2.8790% | 7,053 |
| Noninterest income to average assets | 0.5056% | 4,006 |
| Noninterest expense to average assets | 2.8122% | 4,443 |
| Loan and lease loss provision to assets | 0.5857% | 2,161 |
| Net operating income to assets | -0.3416% | 6,703 |
| Return on assets (ROA) | -0.0098% | 6,411 |
| Pretax return on assets | -0.0098% | 6,370 |
| Return on Equity (ROE) | -0.1590% | 6,427 |
| Retained earnings to average equity (ytd only) | -0.1590% | 5,868 |
| Net charge-offs to loans | 2.4216% | 686 |
| Credit loss provision to net charge-offs | 35.9928% | 4,719 |
| Earnings coverage of net charge-offs (x) | 0.1500% | 4,900 |
| Efficiency ratio | 92.0153% | 1,276 |
| Assets per employee ($millions) | 4.8743% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4076% | 1,414 |
| Loan loss allowance to noncurrent loans | 28.2760% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 11.4259% | 300 |
| Noncurrent loans to loans | 8.5147% | 606 |
| Net loans and leases to total assets | 64.9838% | 4,105 |
| Net loans and leases to deposits | 75.6977% | 4,461 |
| Net loans and leases to core deposits | 86.8162% | 3,784 |
| Total domestic deposits to total assets | 85.8465% | 3,233 |
| Equity capital to assets | 6.1308% | 7,607 |
| Core capital (leverage) ratio | 5.4529% | 7,660 |
| Tier 1 risk-based capital ratio | 7.1009% | 7,689 |
| Total risk-based capital ratio | 8.3616% | 7,693 |
| Memoranda: | ||
| Average total assets | $409,789,000 | 1,702 |
| Average earning assets | $363,045,500 | 1,732 |
| Average equity | $25,165,000 | 2,597 |
| Average total loans | $275,352,000 | 1,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 7,277 |
| Cost of funding earning assets | 2.2531% | 1,828 |
| Net interest margin | 2.3546% | 7,537 |
| Noninterest income to average assets | -0.0834% | 7,793 |
| Noninterest expense to average assets | 2.6258% | 5,693 |
| Loan and lease loss provision to assets | 2.6474% | 728 |
| Net operating income to assets | -2.3645% | 7,218 |
| Return on assets (ROA) | -2.3027% | 7,201 |
| Pretax return on assets | -3.1522% | 7,336 |
| Return on Equity (ROE) | -33.3905% | 7,466 |
| Retained earnings to average equity (ytd only) | -33.3905% | 7,450 |
| Net charge-offs to loans | 3.4043% | 582 |
| Credit loss provision to net charge-offs | 118.3635% | 4,561 |
| Earnings coverage of net charge-offs (x) | -0.2636% | 6,508 |
| Efficiency ratio | 128.9505% | 489 |
| Assets per employee ($millions) | 4.8826% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7443% | 979 |
| Loan loss allowance to noncurrent loans | 21.2841% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 13.2048% | 192 |
| Noncurrent loans to loans | 12.8935% | 245 |
| Net loans and leases to total assets | 65.9386% | 4,163 |
| Net loans and leases to deposits | 76.9734% | 4,570 |
| Net loans and leases to core deposits | 94.6806% | 4,604 |
| Total domestic deposits to total assets | 85.6641% | 3,190 |
| Equity capital to assets | 6.1511% | 7,644 |
| Core capital (leverage) ratio | 5.9224% | 7,649 |
| Tier 1 risk-based capital ratio | 8.0066% | 7,653 |
| Total risk-based capital ratio | 9.2713% | 7,660 |
| Memoranda: | ||
| Average total assets | $449,692,400 | 1,540 |
| Average earning assets | $404,825,000 | 1,564 |
| Average equity | $31,011,800 | 2,166 |
| Average total loans | $295,449,400 | 1,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 7,369 |
| Cost of funding earning assets | 2.3589% | 1,771 |
| Net interest margin | 2.2772% | 7,670 |
| Noninterest income to average assets | -0.0801% | 7,915 |
| Noninterest expense to average assets | 2.6009% | 5,709 |
| Loan and lease loss provision to assets | 3.1274% | 457 |
| Net operating income to assets | -2.4370% | 7,454 |
| Return on assets (ROA) | -2.3740% | 7,427 |
| Pretax return on assets | -3.6574% | 7,632 |
| Return on Equity (ROE) | -33.6141% | 7,674 |
| Retained earnings to average equity (ytd only) | -33.6141% | 7,667 |
| Net charge-offs to loans | 3.9737% | 358 |
| Credit loss provision to net charge-offs | 120.6491% | 4,206 |
| Earnings coverage of net charge-offs (x) | -0.2419% | 6,318 |
| Efficiency ratio | 131.7607% | 455 |
| Assets per employee ($millions) | 5.1603% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6715% | 903 |
| Loan loss allowance to noncurrent loans | 30.2222% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 9.4859% | 384 |
| Noncurrent loans to loans | 8.8397% | 515 |
| Net loans and leases to total assets | 64.1194% | 4,841 |
| Net loans and leases to deposits | 75.2696% | 5,169 |
| Net loans and leases to core deposits | 91.0290% | 5,329 |
| Total domestic deposits to total assets | 85.1864% | 3,132 |
| Equity capital to assets | 6.3993% | 7,787 |
| Core capital (leverage) ratio | 5.5064% | 7,867 |
| Tier 1 risk-based capital ratio | 7.6078% | 7,844 |
| Total risk-based capital ratio | 8.8715% | 7,848 |
| Memoranda: | ||
| Average total assets | $459,580,750 | 1,515 |
| Average earning assets | $414,541,500 | 1,538 |
| Average equity | $32,457,750 | 2,081 |
| Average total loans | $299,794,000 | 1,619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 7,475 |
| Cost of funding earning assets | 2.4341% | 1,830 |
| Net interest margin | 2.2034% | 7,748 |
| Noninterest income to average assets | 0.1550% | 7,159 |
| Noninterest expense to average assets | 2.6018% | 5,735 |
| Loan and lease loss provision to assets | 1.7639% | 946 |
| Net operating income to assets | -1.4425% | 7,216 |
| Return on assets (ROA) | -1.3684% | 7,196 |
| Pretax return on assets | -2.1098% | 7,319 |
| Return on Equity (ROE) | -18.8301% | 7,475 |
| Retained earnings to average equity (ytd only) | -18.8301% | 7,420 |
| Net charge-offs to loans | 2.1639% | 853 |
| Credit loss provision to net charge-offs | 125.3414% | 3,707 |
| Earnings coverage of net charge-offs (x) | -0.3269% | 5,971 |
| Efficiency ratio | 121.4756% | 642 |
| Assets per employee ($millions) | 5.3032% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2315% | 1,187 |
| Loan loss allowance to noncurrent loans | 19.9650% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 10.3825% | 265 |
| Noncurrent loans to loans | 11.1769% | 264 |
| Net loans and leases to total assets | 62.8556% | 5,205 |
| Net loans and leases to deposits | 74.3603% | 5,401 |
| Net loans and leases to core deposits | 89.3106% | 5,594 |
| Total domestic deposits to total assets | 84.5284% | 3,486 |
| Equity capital to assets | 7.0588% | 7,573 |
| Core capital (leverage) ratio | 6.4877% | 7,799 |
| Tier 1 risk-based capital ratio | 8.9728% | 7,711 |
| Total risk-based capital ratio | 10.2038% | 7,747 |
| Memoranda: | ||
| Average total assets | $468,285,670 | 1,517 |
| Average earning assets | $422,251,330 | 1,534 |
| Average equity | $34,030,670 | 1,991 |
| Average total loans | $304,537,000 | 1,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 7,554 |
| Cost of funding earning assets | 2.4731% | 2,013 |
| Net interest margin | 2.1946% | 7,802 |
| Noninterest income to average assets | -0.0772% | 8,124 |
| Noninterest expense to average assets | 2.6218% | 5,363 |
| Loan and lease loss provision to assets | 1.7806% | 693 |
| Net operating income to assets | -1.6311% | 7,553 |
| Return on assets (ROA) | -1.6306% | 7,552 |
| Pretax return on assets | -2.5141% | 7,664 |
| Return on Equity (ROE) | -22.1276% | 7,799 |
| Retained earnings to average equity (ytd only) | -22.1276% | 7,702 |
| Net charge-offs to loans | 0.3877% | 2,547 |
| Credit loss provision to net charge-offs | 702.3411% | 844 |
| Earnings coverage of net charge-offs (x) | -2.8963% | 5,515 |
| Efficiency ratio | 138.9039% | 419 |
| Assets per employee ($millions) | 5.0652% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4922% | 771 |
| Loan loss allowance to noncurrent loans | 28.9371% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 7.9174% | 379 |
| Noncurrent loans to loans | 8.6126% | 389 |
| Net loans and leases to total assets | 61.6714% | 5,394 |
| Net loans and leases to deposits | 73.1202% | 5,598 |
| Net loans and leases to core deposits | 87.2405% | 5,815 |
| Total domestic deposits to total assets | 84.3425% | 3,537 |
| Equity capital to assets | 7.1215% | 7,612 |
| Core capital (leverage) ratio | 6.8869% | 7,704 |
| Tier 1 risk-based capital ratio | 9.4446% | 7,474 |
| Total risk-based capital ratio | 10.7061% | 7,413 |
| Memoranda: | ||
| Average total assets | $471,738,500 | 1,520 |
| Average earning assets | $422,312,000 | 1,543 |
| Average equity | $34,762,000 | 1,959 |
| Average total loans | $308,494,500 | 1,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9813% | 5,638 |
| Cost of funding earning assets | 2.6837% | 3,241 |
| Net interest margin | 3.2976% | 6,045 |
| Noninterest income to average assets | 0.6656% | 3,370 |
| Noninterest expense to average assets | 3.0942% | 3,715 |
| Loan and lease loss provision to assets | 1.5449% | 869 |
| Net operating income to assets | -0.5354% | 6,947 |
| Return on assets (ROA) | -0.5158% | 6,811 |
| Pretax return on assets | -0.9394% | 6,965 |
| Return on Equity (ROE) | -6.2041% | 6,974 |
| Retained earnings to average equity (ytd only) | -9.8257% | 7,059 |
| Net charge-offs to loans | 1.6392% | 685 |
| Credit loss provision to net charge-offs | 133.0872% | 4,001 |
| Earnings coverage of net charge-offs (x) | 0.4952% | 5,937 |
| Efficiency ratio | 84.3312% | 2,018 |
| Assets per employee ($millions) | 3.9511% | 3,620 |
| Cash dividends to net income (ytd only)* | -58.3734% | 8,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 1,530 |
| Loan loss allowance to noncurrent loans | 29.5192% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 7.0433% | 371 |
| Noncurrent loans to loans | 6.2672% | 531 |
| Net loans and leases to total assets | 66.3795% | 4,774 |
| Net loans and leases to deposits | 75.1374% | 5,716 |
| Net loans and leases to core deposits | 89.1196% | 5,878 |
| Total domestic deposits to total assets | 88.3442% | 1,314 |
| Equity capital to assets | 7.6265% | 7,281 |
| Core capital (leverage) ratio | 7.4651% | 7,244 |
| Tier 1 risk-based capital ratio | 9.7093% | 7,070 |
| Total risk-based capital ratio | 10.9627% | 6,969 |
| Memoranda: | ||
| Average total assets | $443,381,600 | 1,548 |
| Average earning assets | $403,839,600 | 1,545 |
| Average equity | $36,862,600 | 1,838 |
| Average total loans | $313,990,000 | 1,543 |