Home > Horizon Community Bank > Performance and Condition Ratios
Horizon Community Bank, Performance and Condition Ratios
| 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 | 3.4831% | 2,671 |
| Cost of funding earning assets | 0.0797% | 4,419 |
| Net interest margin | 3.4035% | 1,965 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 4.3649% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.2115% | 4,649 |
| Return on assets (ROA) | -0.2115% | 4,629 |
| Pretax return on assets | -0.2854% | 4,631 |
| Return on Equity (ROE) | -3.0300% | 4,633 |
| Retained earnings to average equity (ytd only) | -8.5365% | 4,659 |
| Net charge-offs to loans | -0.1150% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 106.9951% | 110 |
| Assets per employee ($millions) | 5.8621% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 975 |
| Loan loss allowance to noncurrent loans | 2,951.0067% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,242 |
| Noncurrent loans to loans | 0.0558% | 3,481 |
| Net loans and leases to total assets | 51.5300% | 3,330 |
| Net loans and leases to deposits | 55.0710% | 3,541 |
| Net loans and leases to core deposits | 56.0321% | 3,625 |
| Total domestic deposits to total assets | 93.5700% | 445 |
| Equity capital to assets | 5.7319% | 4,064 |
| Core capital (leverage) ratio | 8.3438% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8529% | 1,468 |
| Memoranda: | ||
| Average total assets | $530,766,000 | 1,673 |
| Average earning assets | $497,011,250 | 1,652 |
| Average equity | $37,094,500 | 2,060 |
| Average total loans | $265,568,250 | 1,874 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 2,645 |
| Cost of funding earning assets | 0.0757% | 4,419 |
| Net interest margin | 3.2535% | 2,046 |
| Noninterest income to average assets | 0.9701% | 717 |
| Noninterest expense to average assets | 2.8574% | 1,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8644% | 2,715 |
| Return on assets (ROA) | 0.8644% | 2,688 |
| Pretax return on assets | 1.1665% | 2,181 |
| Return on Equity (ROE) | 11.7034% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.3905% | 2,212 |
| Net charge-offs to loans | -0.1924% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0113% | 1,827 |
| Assets per employee ($millions) | 5.7994% | 2,922 |
| Cash dividends to net income (ytd only)* | 45.3959% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,099 |
| Loan loss allowance to noncurrent loans | 2,909.8684% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,303 |
| Noncurrent loans to loans | 0.0557% | 3,536 |
| Net loans and leases to total assets | 51.3967% | 3,224 |
| Net loans and leases to deposits | 56.3666% | 3,349 |
| Net loans and leases to core deposits | 57.7713% | 3,438 |
| Total domestic deposits to total assets | 91.1828% | 1,155 |
| Equity capital to assets | 6.9390% | 3,804 |
| Core capital (leverage) ratio | 8.6544% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3435% | 1,347 |
| Memoranda: | ||
| Average total assets | $537,686,000 | 1,663 |
| Average earning assets | $504,685,000 | 1,646 |
| Average equity | $39,715,000 | 2,007 |
| Average total loans | $265,020,333 | 1,875 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1157% | 2,931 |
| Cost of funding earning assets | 0.0762% | 4,393 |
| Net interest margin | 3.0394% | 2,369 |
| Noninterest income to average assets | 1.0756% | 586 |
| Noninterest expense to average assets | 2.8683% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8131% | 2,626 |
| Return on assets (ROA) | 0.8131% | 2,614 |
| Pretax return on assets | 1.0727% | 2,227 |
| Return on Equity (ROE) | 10.6986% | 1,728 |
| Retained earnings to average equity (ytd only) | 8.0939% | 1,552 |
| Net charge-offs to loans | 0.0260% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 86.0588% | 718 |
| Efficiency ratio | 72.7814% | 1,878 |
| Assets per employee ($millions) | 6.1292% | 2,677 |
| Cash dividends to net income (ytd only)* | 24.3463% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,321 |
| Loan loss allowance to noncurrent loans | 2,372.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,384 |
| Noncurrent loans to loans | 0.0667% | 3,514 |
| Net loans and leases to total assets | 46.8290% | 3,502 |
| Net loans and leases to deposits | 52.6930% | 3,517 |
| Net loans and leases to core deposits | 54.1214% | 3,580 |
| Total domestic deposits to total assets | 88.8714% | 2,136 |
| Equity capital to assets | 7.1574% | 4,120 |
| Core capital (leverage) ratio | 8.4350% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9928% | 1,258 |
| Memoranda: | ||
| Average total assets | $545,555,000 | 1,650 |
| Average earning assets | $514,306,000 | 1,636 |
| Average equity | $41,463,500 | 1,993 |
| Average total loans | $261,187,000 | 1,879 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 2,535 |
| Cost of funding earning assets | 0.1300% | 4,158 |
| Net interest margin | 3.4133% | 1,984 |
| Noninterest income to average assets | 0.9688% | 1,059 |
| Noninterest expense to average assets | 2.7271% | 1,556 |
| Loan and lease loss provision to assets | 0.0142% | 2,801 |
| Net operating income to assets | 1.1228% | 2,199 |
| Return on assets (ROA) | 1.1228% | 2,260 |
| Pretax return on assets | 1.4438% | 1,902 |
| Return on Equity (ROE) | 14.2159% | 1,126 |
| Retained earnings to average equity (ytd only) | 11.7950% | 563 |
| Net charge-offs to loans | 0.0309% | 1,620 |
| Credit loss provision to net charge-offs | 87.2093% | 1,902 |
| Earnings coverage of net charge-offs (x) | 89.3721% | 935 |
| Efficiency ratio | 65.1618% | 2,376 |
| Assets per employee ($millions) | 6.1305% | 2,633 |
| Cash dividends to net income (ytd only)* | 17.0299% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,245 |
| Loan loss allowance to noncurrent loans | 790.8918% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,210 |
| Noncurrent loans to loans | 0.2028% | 2,937 |
| Net loans and leases to total assets | 47.4034% | 3,551 |
| Net loans and leases to deposits | 54.2188% | 3,583 |
| Net loans and leases to core deposits | 55.7905% | 3,633 |
| Total domestic deposits to total assets | 87.4298% | 2,321 |
| Equity capital to assets | 8.0531% | 4,330 |
| Core capital (leverage) ratio | 8.1435% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7674% | 1,322 |
| Memoranda: | ||
| Average total assets | $527,158,400 | 1,631 |
| Average earning assets | $496,739,800 | 1,616 |
| Average equity | $41,636,400 | 2,022 |
| Average total loans | $278,374,400 | 1,793 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 2,502 |
| Cost of funding earning assets | 0.1448% | 4,155 |
| Net interest margin | 3.4734% | 1,949 |
| Noninterest income to average assets | 0.9797% | 1,107 |
| Noninterest expense to average assets | 2.7123% | 1,556 |
| Loan and lease loss provision to assets | 0.0191% | 2,626 |
| Net operating income to assets | 1.1446% | 2,391 |
| Return on assets (ROA) | 1.1446% | 2,450 |
| Pretax return on assets | 1.5191% | 1,944 |
| Return on Equity (ROE) | 14.5651% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.1176% | 815 |
| Net charge-offs to loans | -0.0047% | 3,418 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8116% | 2,415 |
| Assets per employee ($millions) | 6.2491% | 2,456 |
| Cash dividends to net income (ytd only)* | 16.8037% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,352 |
| Loan loss allowance to noncurrent loans | 733.9071% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 3,050 |
| Noncurrent loans to loans | 0.2172% | 3,081 |
| Net loans and leases to total assets | 47.8713% | 3,638 |
| Net loans and leases to deposits | 54.1647% | 3,726 |
| Net loans and leases to core deposits | 55.5699% | 3,805 |
| Total domestic deposits to total assets | 88.3811% | 1,626 |
| Equity capital to assets | 7.7693% | 4,629 |
| Core capital (leverage) ratio | 8.0177% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3369% | 1,533 |
| Memoranda: | ||
| Average total assets | $524,077,000 | 1,649 |
| Average earning assets | $493,485,250 | 1,636 |
| Average equity | $41,184,250 | 2,068 |
| Average total loans | $282,992,500 | 1,810 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 2,568 |
| Cost of funding earning assets | 0.1692% | 4,049 |
| Net interest margin | 3.4474% | 2,016 |
| Noninterest income to average assets | 0.9572% | 1,142 |
| Noninterest expense to average assets | 2.7040% | 1,584 |
| Loan and lease loss provision to assets | 0.0291% | 2,396 |
| Net operating income to assets | 1.1050% | 2,529 |
| Return on assets (ROA) | 1.1050% | 2,596 |
| Pretax return on assets | 1.4651% | 2,125 |
| Return on Equity (ROE) | 14.0052% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.5267% | 1,007 |
| Net charge-offs to loans | -0.0042% | 3,377 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4085% | 2,375 |
| Assets per employee ($millions) | 5.9833% | 2,631 |
| Cash dividends to net income (ytd only)* | 17.6966% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,664 |
| Loan loss allowance to noncurrent loans | 691.5584% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,933 |
| Noncurrent loans to loans | 0.2136% | 3,192 |
| Net loans and leases to total assets | 53.3569% | 3,212 |
| Net loans and leases to deposits | 60.4238% | 3,355 |
| Net loans and leases to core deposits | 62.0637% | 3,454 |
| Total domestic deposits to total assets | 88.3044% | 1,667 |
| Equity capital to assets | 7.8589% | 4,599 |
| Core capital (leverage) ratio | 7.7770% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5624% | 1,785 |
| Memoranda: | ||
| Average total assets | $515,462,000 | 1,664 |
| Average earning assets | $484,596,667 | 1,651 |
| Average equity | $40,670,667 | 2,074 |
| Average total loans | $288,150,333 | 1,793 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 1,991 |
| Cost of funding earning assets | 0.1933% | 3,972 |
| Net interest margin | 3.6424% | 1,470 |
| Noninterest income to average assets | 0.7157% | 1,822 |
| Noninterest expense to average assets | 2.6134% | 1,854 |
| Loan and lease loss provision to assets | 0.0592% | 1,942 |
| Net operating income to assets | 1.1031% | 2,465 |
| Return on assets (ROA) | 1.1031% | 2,544 |
| Pretax return on assets | 1.4621% | 2,101 |
| Return on Equity (ROE) | 13.9517% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.4368% | 1,286 |
| Net charge-offs to loans | -0.0139% | 3,821 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2061% | 2,578 |
| Assets per employee ($millions) | 5.9137% | 2,682 |
| Cash dividends to net income (ytd only)* | 18.0258% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,579 |
| Loan loss allowance to noncurrent loans | 479.6400% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 2,467 |
| Noncurrent loans to loans | 0.3143% | 2,975 |
| Net loans and leases to total assets | 51.7651% | 3,466 |
| Net loans and leases to deposits | 58.4292% | 3,603 |
| Net loans and leases to core deposits | 60.0852% | 3,694 |
| Total domestic deposits to total assets | 88.5946% | 1,562 |
| Equity capital to assets | 7.3868% | 4,746 |
| Core capital (leverage) ratio | 8.1486% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6388% | 1,691 |
| Memoranda: | ||
| Average total assets | $506,934,000 | 1,673 |
| Average earning assets | $475,843,000 | 1,661 |
| Average equity | $40,081,000 | 2,084 |
| Average total loans | $288,028,000 | 1,796 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 1,208 |
| Cost of funding earning assets | 0.5135% | 2,862 |
| Net interest margin | 4.0291% | 920 |
| Noninterest income to average assets | 0.9645% | 1,114 |
| Noninterest expense to average assets | 3.2991% | 909 |
| Loan and lease loss provision to assets | 0.2226% | 1,762 |
| Net operating income to assets | 0.9374% | 2,531 |
| Return on assets (ROA) | 0.9374% | 2,680 |
| Pretax return on assets | 1.1875% | 2,374 |
| Return on Equity (ROE) | 11.6398% | 1,433 |
| Retained earnings to average equity (ytd only) | 8.8940% | 796 |
| Net charge-offs to loans | 0.0778% | 1,698 |
| Credit loss provision to net charge-offs | 422.7273% | 1,380 |
| Earnings coverage of net charge-offs (x) | 26.7818% | 1,702 |
| Efficiency ratio | 70.0564% | 1,941 |
| Assets per employee ($millions) | 5.1709% | 3,199 |
| Cash dividends to net income (ytd only)* | 23.5895% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,867 |
| Loan loss allowance to noncurrent loans | 345.6576% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 2,024 |
| Noncurrent loans to loans | 0.4123% | 2,743 |
| Net loans and leases to total assets | 60.7584% | 2,765 |
| Net loans and leases to deposits | 69.7384% | 2,908 |
| Net loans and leases to core deposits | 71.7969% | 3,094 |
| Total domestic deposits to total assets | 87.1233% | 1,876 |
| Equity capital to assets | 8.4945% | 4,444 |
| Core capital (leverage) ratio | 8.3816% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9906% | 1,850 |
| Memoranda: | ||
| Average total assets | $417,843,800 | 1,805 |
| Average earning assets | $388,347,800 | 1,802 |
| Average equity | $33,651,800 | 2,309 |
| Average total loans | $282,805,000 | 1,757 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 1,346 |
| Cost of funding earning assets | 0.6012% | 2,609 |
| Net interest margin | 3.9861% | 1,142 |
| Noninterest income to average assets | 0.9863% | 1,042 |
| Noninterest expense to average assets | 3.3235% | 876 |
| Loan and lease loss provision to assets | 0.2164% | 1,860 |
| Net operating income to assets | 0.9057% | 2,680 |
| Return on assets (ROA) | 0.9057% | 2,809 |
| Pretax return on assets | 1.1453% | 2,581 |
| Return on Equity (ROE) | 11.4299% | 1,541 |
| Retained earnings to average equity (ytd only) | 8.5390% | 1,133 |
| Net charge-offs to loans | 0.1118% | 1,229 |
| Credit loss provision to net charge-offs | 278.7234% | 1,831 |
| Earnings coverage of net charge-offs (x) | 17.5319% | 2,009 |
| Efficiency ratio | 70.9347% | 1,758 |
| Assets per employee ($millions) | 4.9960% | 3,255 |
| Cash dividends to net income (ytd only)* | 25.2920% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,430 |
| Loan loss allowance to noncurrent loans | 315.9220% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,026 |
| Noncurrent loans to loans | 0.3935% | 2,883 |
| Net loans and leases to total assets | 67.9623% | 2,250 |
| Net loans and leases to deposits | 76.9146% | 2,665 |
| Net loans and leases to core deposits | 79.2563% | 2,906 |
| Total domestic deposits to total assets | 88.3607% | 1,028 |
| Equity capital to assets | 7.3046% | 4,903 |
| Core capital (leverage) ratio | 7.0440% | 4,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1743% | 2,546 |
| Memoranda: | ||
| Average total assets | $403,374,750 | 1,830 |
| Average earning assets | $374,326,750 | 1,831 |
| Average equity | $31,962,250 | 2,378 |
| Average total loans | $280,201,500 | 1,760 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 1,292 |
| Cost of funding earning assets | 0.7039% | 2,358 |
| Net interest margin | 4.0407% | 1,240 |
| Noninterest income to average assets | 0.9770% | 1,024 |
| Noninterest expense to average assets | 3.3876% | 870 |
| Loan and lease loss provision to assets | 0.2226% | 1,880 |
| Net operating income to assets | 0.8450% | 2,884 |
| Return on assets (ROA) | 0.8450% | 2,995 |
| Pretax return on assets | 1.1054% | 2,695 |
| Return on Equity (ROE) | 10.3466% | 1,869 |
| Retained earnings to average equity (ytd only) | 7.4176% | 1,495 |
| Net charge-offs to loans | 0.1456% | 990 |
| Credit loss provision to net charge-offs | 219.3878% | 1,844 |
| Earnings coverage of net charge-offs (x) | 13.0867% | 2,013 |
| Efficiency ratio | 71.8379% | 1,703 |
| Assets per employee ($millions) | 5.0812% | 3,082 |
| Cash dividends to net income (ytd only)* | 28.3088% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,522 |
| Loan loss allowance to noncurrent loans | 362.5857% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 2,281 |
| Noncurrent loans to loans | 0.3308% | 3,205 |
| Net loans and leases to total assets | 65.9431% | 2,637 |
| Net loans and leases to deposits | 76.4303% | 2,813 |
| Net loans and leases to core deposits | 78.7015% | 3,052 |
| Total domestic deposits to total assets | 86.2788% | 1,893 |
| Equity capital to assets | 7.0059% | 4,974 |
| Core capital (leverage) ratio | 7.4542% | 4,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3389% | 2,467 |
| Memoranda: | ||
| Average total assets | $386,288,667 | 1,859 |
| Average earning assets | $357,417,000 | 1,867 |
| Average equity | $31,546,667 | 2,385 |
| Average total loans | $269,312,667 | 1,800 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 603 |
| Cost of funding earning assets | 0.9074% | 1,822 |
| Net interest margin | 4.3418% | 702 |
| Noninterest income to average assets | 1.0728% | 733 |
| Noninterest expense to average assets | 3.8617% | 580 |
| Loan and lease loss provision to assets | 0.1551% | 1,852 |
| Net operating income to assets | 0.7994% | 2,910 |
| Return on assets (ROA) | 0.7994% | 3,001 |
| Pretax return on assets | 1.0407% | 2,698 |
| Return on Equity (ROE) | 8.9452% | 2,132 |
| Retained earnings to average equity (ytd only) | 5.9763% | 1,884 |
| Net charge-offs to loans | 0.0561% | 1,445 |
| Credit loss provision to net charge-offs | 385.7143% | 1,031 |
| Earnings coverage of net charge-offs (x) | 29.7429% | 1,187 |
| Efficiency ratio | 76.3570% | 1,524 |
| Assets per employee ($millions) | 3.8593% | 4,105 |
| Cash dividends to net income (ytd only)* | 33.1897% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,599 |
| Loan loss allowance to noncurrent loans | 297.4167% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 1,798 |
| Noncurrent loans to loans | 0.4800% | 2,816 |
| Net loans and leases to total assets | 69.4016% | 2,336 |
| Net loans and leases to deposits | 79.1469% | 2,762 |
| Net loans and leases to core deposits | 82.3412% | 2,991 |
| Total domestic deposits to total assets | 87.6871% | 1,236 |
| Equity capital to assets | 8.9107% | 4,652 |
| Core capital (leverage) ratio | 8.8405% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8273% | 2,783 |
| Memoranda: | ||
| Average total assets | $348,240,500 | 1,966 |
| Average earning assets | $319,591,500 | 1,977 |
| Average equity | $31,123,000 | 2,393 |
| Average total loans | $249,662,500 | 1,859 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6058% | 471 |
| Cost of funding earning assets | 1.0502% | 1,510 |
| Net interest margin | 4.5556% | 638 |
| Noninterest income to average assets | 1.2852% | 572 |
| Noninterest expense to average assets | 4.0986% | 472 |
| Loan and lease loss provision to assets | 0.1521% | 1,392 |
| Net operating income to assets | 0.9493% | 3,022 |
| Return on assets (ROA) | 0.9493% | 3,105 |
| Pretax return on assets | 1.2206% | 2,766 |
| Return on Equity (ROE) | 10.5221% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.3686% | 1,220 |
| Net charge-offs to loans | 0.0322% | 2,743 |
| Credit loss provision to net charge-offs | 658.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 59.4400% | 988 |
| Efficiency ratio | 74.9114% | 1,497 |
| Assets per employee ($millions) | 3.5565% | 4,428 |
| Cash dividends to net income (ytd only)* | 29.9708% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 1,560 |
| Loan loss allowance to noncurrent loans | 449.3523% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 1,865 |
| Noncurrent loans to loans | 0.3096% | 3,332 |
| Net loans and leases to total assets | 72.0136% | 2,090 |
| Net loans and leases to deposits | 82.5882% | 2,488 |
| Net loans and leases to core deposits | 85.9172% | 2,795 |
| Total domestic deposits to total assets | 87.1959% | 1,523 |
| Equity capital to assets | 8.9648% | 4,699 |
| Core capital (leverage) ratio | 8.8673% | 4,627 |
| Tier 1 risk-based capital ratio | 11.4668% | 4,646 |
| Total risk-based capital ratio | 12.7178% | 4,527 |
| Memoranda: | ||
| Average total assets | $324,770,800 | 2,009 |
| Average earning assets | $298,423,400 | 2,037 |
| Average equity | $29,300,200 | 2,433 |
| Average total loans | $233,044,400 | 1,937 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 479 |
| Cost of funding earning assets | 1.0502% | 1,536 |
| Net interest margin | 4.5647% | 665 |
| Noninterest income to average assets | 1.3507% | 509 |
| Noninterest expense to average assets | 4.1894% | 417 |
| Loan and lease loss provision to assets | 0.1659% | 1,127 |
| Net operating income to assets | 0.9324% | 3,223 |
| Return on assets (ROA) | 0.9324% | 3,301 |
| Pretax return on assets | 1.1906% | 3,008 |
| Return on Equity (ROE) | 10.3173% | 2,291 |
| Retained earnings to average equity (ytd only) | 7.1282% | 1,800 |
| Net charge-offs to loans | 0.0501% | 2,114 |
| Credit loss provision to net charge-offs | 463.9535% | 672 |
| Earnings coverage of net charge-offs (x) | 37.9314% | 1,416 |
| Efficiency ratio | 75.5399% | 1,387 |
| Assets per employee ($millions) | 4.0078% | 3,892 |
| Cash dividends to net income (ytd only)* | 30.9100% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,636 |
| Loan loss allowance to noncurrent loans | 572.9131% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 2,064 |
| Noncurrent loans to loans | 0.2418% | 3,679 |
| Net loans and leases to total assets | 69.4670% | 2,557 |
| Net loans and leases to deposits | 79.3910% | 2,960 |
| Net loans and leases to core deposits | 82.3929% | 3,220 |
| Total domestic deposits to total assets | 87.4999% | 1,254 |
| Equity capital to assets | 8.7083% | 4,922 |
| Core capital (leverage) ratio | 8.7567% | 4,800 |
| Tier 1 risk-based capital ratio | 11.4480% | 4,691 |
| Total risk-based capital ratio | 12.6987% | 4,593 |
| Memoranda: | ||
| Average total assets | $320,607,750 | 2,044 |
| Average earning assets | $294,659,000 | 2,069 |
| Average equity | $28,973,250 | 2,463 |
| Average total loans | $228,970,500 | 1,981 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 445 |
| Cost of funding earning assets | 1.0091% | 1,653 |
| Net interest margin | 4.6302% | 579 |
| Noninterest income to average assets | 1.4863% | 405 |
| Noninterest expense to average assets | 4.3207% | 365 |
| Loan and lease loss provision to assets | 0.1638% | 1,112 |
| Net operating income to assets | 0.9617% | 3,052 |
| Return on assets (ROA) | 0.9617% | 3,127 |
| Pretax return on assets | 1.2560% | 2,721 |
| Return on Equity (ROE) | 10.5009% | 2,175 |
| Retained earnings to average equity (ytd only) | 7.2731% | 1,696 |
| Net charge-offs to loans | 0.0553% | 1,854 |
| Credit loss provision to net charge-offs | 412.9032% | 695 |
| Earnings coverage of net charge-offs (x) | 35.7903% | 1,317 |
| Efficiency ratio | 75.2675% | 1,487 |
| Assets per employee ($millions) | 3.8662% | 4,039 |
| Cash dividends to net income (ytd only)* | 30.7385% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,554 |
| Loan loss allowance to noncurrent loans | 724.1071% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 2,107 |
| Noncurrent loans to loans | 0.1953% | 3,851 |
| Net loans and leases to total assets | 68.0205% | 2,809 |
| Net loans and leases to deposits | 78.1394% | 3,144 |
| Net loans and leases to core deposits | 81.0689% | 3,335 |
| Total domestic deposits to total assets | 87.0502% | 1,579 |
| Equity capital to assets | 8.8541% | 4,876 |
| Core capital (leverage) ratio | 9.1260% | 4,526 |
| Tier 1 risk-based capital ratio | 11.9356% | 4,457 |
| Total risk-based capital ratio | 13.1872% | 4,338 |
| Memoranda: | ||
| Average total assets | $312,587,000 | 2,101 |
| Average earning assets | $287,199,000 | 2,115 |
| Average equity | $28,626,000 | 2,477 |
| Average total loans | $224,362,330 | 2,016 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6502% | 394 |
| Cost of funding earning assets | 0.9393% | 1,841 |
| Net interest margin | 4.7109% | 481 |
| Noninterest income to average assets | 1.1459% | 612 |
| Noninterest expense to average assets | 4.1595% | 431 |
| Loan and lease loss provision to assets | 0.0833% | 2,040 |
| Net operating income to assets | 0.9437% | 3,074 |
| Return on assets (ROA) | 0.9437% | 3,117 |
| Pretax return on assets | 1.2318% | 2,692 |
| Return on Equity (ROE) | 10.1207% | 2,316 |
| Retained earnings to average equity (ytd only) | 6.8463% | 2,100 |
| Net charge-offs to loans | 0.1172% | 1,039 |
| Credit loss provision to net charge-offs | 96.9231% | 1,653 |
| Earnings coverage of net charge-offs (x) | 15.3077% | 1,745 |
| Efficiency ratio | 75.9778% | 1,500 |
| Assets per employee ($millions) | 3.6680% | 4,386 |
| Cash dividends to net income (ytd only)* | 32.3529% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,863 |
| Loan loss allowance to noncurrent loans | 600.0000% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 1,937 |
| Noncurrent loans to loans | 0.2252% | 3,776 |
| Net loans and leases to total assets | 72.2108% | 2,118 |
| Net loans and leases to deposits | 83.4126% | 2,449 |
| Net loans and leases to core deposits | 86.9223% | 2,786 |
| Total domestic deposits to total assets | 86.5707% | 2,023 |
| Equity capital to assets | 9.2902% | 4,442 |
| Core capital (leverage) ratio | 9.5145% | 4,116 |
| Tier 1 risk-based capital ratio | 12.0196% | 4,445 |
| Total risk-based capital ratio | 13.2702% | 4,340 |
| Memoranda: | ||
| Average total assets | $302,635,000 | 2,188 |
| Average earning assets | $278,081,000 | 2,191 |
| Average equity | $28,219,500 | 2,508 |
| Average total loans | $221,840,500 | 2,056 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 584 |
| Cost of funding earning assets | 0.6820% | 2,201 |
| Net interest margin | 4.6165% | 582 |
| Noninterest income to average assets | 1.4084% | 459 |
| Noninterest expense to average assets | 4.2615% | 380 |
| Loan and lease loss provision to assets | 0.1759% | 1,123 |
| Net operating income to assets | 0.9263% | 3,340 |
| Return on assets (ROA) | 0.9263% | 3,331 |
| Pretax return on assets | 1.2021% | 2,873 |
| Return on Equity (ROE) | 9.9576% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.4499% | 1,952 |
| Net charge-offs to loans | 0.1101% | 1,646 |
| Credit loss provision to net charge-offs | 222.3214% | 1,313 |
| Earnings coverage of net charge-offs (x) | 17.4196% | 2,199 |
| Efficiency ratio | 75.5652% | 1,423 |
| Assets per employee ($millions) | 3.5803% | 4,467 |
| Cash dividends to net income (ytd only)* | 35.2268% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,644 |
| Loan loss allowance to noncurrent loans | 583.3652% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 1,778 |
| Noncurrent loans to loans | 0.2397% | 3,724 |
| Net loans and leases to total assets | 72.3830% | 2,193 |
| Net loans and leases to deposits | 84.1029% | 2,500 |
| Net loans and leases to core deposits | 88.2520% | 2,734 |
| Total domestic deposits to total assets | 86.0648% | 2,196 |
| Equity capital to assets | 9.3602% | 4,257 |
| Core capital (leverage) ratio | 9.6774% | 3,922 |
| Tier 1 risk-based capital ratio | 12.2604% | 4,256 |
| Total risk-based capital ratio | 13.5118% | 4,149 |
| Memoranda: | ||
| Average total assets | $283,166,400 | 2,248 |
| Average earning assets | $259,527,400 | 2,269 |
| Average equity | $26,341,600 | 2,551 |
| Average total loans | $203,537,000 | 2,149 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 686 |
| Cost of funding earning assets | 0.6244% | 2,302 |
| Net interest margin | 4.5276% | 700 |
| Noninterest income to average assets | 1.3349% | 534 |
| Noninterest expense to average assets | 4.2897% | 358 |
| Loan and lease loss provision to assets | 0.1611% | 1,196 |
| Net operating income to assets | 0.7628% | 4,037 |
| Return on assets (ROA) | 0.7628% | 4,045 |
| Pretax return on assets | 1.0321% | 3,629 |
| Return on Equity (ROE) | 8.2134% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.6559% | 3,419 |
| Net charge-offs to loans | 0.1514% | 1,086 |
| Credit loss provision to net charge-offs | 148.8987% | 1,723 |
| Earnings coverage of net charge-offs (x) | 11.0264% | 2,547 |
| Efficiency ratio | 78.2367% | 1,096 |
| Assets per employee ($millions) | 3.6068% | 4,431 |
| Cash dividends to net income (ytd only)* | 43.3126% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,794 |
| Loan loss allowance to noncurrent loans | 595.4639% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 1,801 |
| Noncurrent loans to loans | 0.2311% | 3,880 |
| Net loans and leases to total assets | 71.7270% | 2,369 |
| Net loans and leases to deposits | 83.4396% | 2,661 |
| Net loans and leases to core deposits | 88.6106% | 2,786 |
| Total domestic deposits to total assets | 85.9628% | 2,216 |
| Equity capital to assets | 9.1063% | 4,453 |
| Core capital (leverage) ratio | 9.3486% | 4,339 |
| Tier 1 risk-based capital ratio | 11.9868% | 4,510 |
| Total risk-based capital ratio | 13.2373% | 4,392 |
| Memoranda: | ||
| Average total assets | $279,667,750 | 2,283 |
| Average earning assets | $256,226,750 | 2,303 |
| Average equity | $25,973,250 | 2,584 |
| Average total loans | $199,885,000 | 2,184 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 795 |
| Cost of funding earning assets | 0.5654% | 2,474 |
| Net interest margin | 4.4455% | 775 |
| Noninterest income to average assets | 1.3321% | 543 |
| Noninterest expense to average assets | 4.2572% | 383 |
| Loan and lease loss provision to assets | 0.1279% | 1,552 |
| Net operating income to assets | 0.7502% | 4,030 |
| Return on assets (ROA) | 0.7502% | 4,032 |
| Pretax return on assets | 1.0162% | 3,614 |
| Return on Equity (ROE) | 8.0240% | 3,499 |
| Retained earnings to average equity (ytd only) | 4.4526% | 3,371 |
| Net charge-offs to loans | 0.1272% | 1,161 |
| Credit loss provision to net charge-offs | 141.6000% | 1,634 |
| Earnings coverage of net charge-offs (x) | 12.6640% | 2,190 |
| Efficiency ratio | 78.8171% | 1,135 |
| Assets per employee ($millions) | 3.6637% | 4,385 |
| Cash dividends to net income (ytd only)* | 44.5087% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,722 |
| Loan loss allowance to noncurrent loans | 433.8957% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 1,663 |
| Noncurrent loans to loans | 0.3246% | 3,540 |
| Net loans and leases to total assets | 68.4251% | 2,807 |
| Net loans and leases to deposits | 79.5313% | 2,996 |
| Net loans and leases to core deposits | 84.4386% | 3,046 |
| Total domestic deposits to total assets | 86.0354% | 2,260 |
| Equity capital to assets | 9.0094% | 4,552 |
| Core capital (leverage) ratio | 9.4323% | 4,196 |
| Tier 1 risk-based capital ratio | 12.3476% | 4,278 |
| Total risk-based capital ratio | 13.5985% | 4,165 |
| Memoranda: | ||
| Average total assets | $276,708,000 | 2,306 |
| Average earning assets | $253,289,330 | 2,334 |
| Average equity | $25,872,330 | 2,604 |
| Average total loans | $196,562,000 | 2,218 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 887 |
| Cost of funding earning assets | 0.5287% | 2,551 |
| Net interest margin | 4.3620% | 832 |
| Noninterest income to average assets | 1.2680% | 575 |
| Noninterest expense to average assets | 4.3233% | 346 |
| Loan and lease loss provision to assets | 0.0621% | 2,536 |
| Net operating income to assets | 0.6510% | 4,273 |
| Return on assets (ROA) | 0.6510% | 4,280 |
| Pretax return on assets | 0.8863% | 3,890 |
| Return on Equity (ROE) | 6.8295% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.2440% | 3,910 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0095% | 945 |
| Assets per employee ($millions) | 3.6114% | 4,525 |
| Cash dividends to net income (ytd only)* | 52.5000% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,697 |
| Loan loss allowance to noncurrent loans | 181.6366% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 1,169 |
| Noncurrent loans to loans | 0.7919% | 2,229 |
| Net loans and leases to total assets | 69.4668% | 2,568 |
| Net loans and leases to deposits | 80.0458% | 2,804 |
| Net loans and leases to core deposits | 86.2161% | 2,788 |
| Total domestic deposits to total assets | 86.7837% | 2,210 |
| Equity capital to assets | 9.2716% | 4,297 |
| Core capital (leverage) ratio | 9.6698% | 3,881 |
| Tier 1 risk-based capital ratio | 12.6947% | 4,117 |
| Total risk-based capital ratio | 13.9466% | 4,017 |
| Memoranda: | ||
| Average total assets | $270,346,000 | 2,365 |
| Average earning assets | $248,145,500 | 2,397 |
| Average equity | $25,770,500 | 2,635 |
| Average total loans | $194,406,500 | 2,238 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 1,073 |
| Cost of funding earning assets | 0.4837% | 2,469 |
| Net interest margin | 4.2674% | 1,043 |
| Noninterest income to average assets | 1.4544% | 500 |
| Noninterest expense to average assets | 4.1718% | 430 |
| Loan and lease loss provision to assets | 0.1243% | 1,837 |
| Net operating income to assets | 1.2098% | 1,487 |
| Return on assets (ROA) | 1.2098% | 1,516 |
| Pretax return on assets | 1.0709% | 3,299 |
| Return on Equity (ROE) | 12.8185% | 994 |
| Retained earnings to average equity (ytd only) | 8.9554% | 519 |
| Net charge-offs to loans | -0.0155% | 4,885 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7312% | 1,391 |
| Assets per employee ($millions) | 3.5489% | 4,636 |
| Cash dividends to net income (ytd only)* | 30.1370% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,615 |
| Loan loss allowance to noncurrent loans | 173.3458% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3819% | 1,023 |
| Noncurrent loans to loans | 0.8308% | 2,144 |
| Net loans and leases to total assets | 72.3667% | 2,165 |
| Net loans and leases to deposits | 83.3961% | 2,563 |
| Net loans and leases to core deposits | 90.0830% | 2,564 |
| Total domestic deposits to total assets | 86.7747% | 2,099 |
| Equity capital to assets | 9.8085% | 3,906 |
| Core capital (leverage) ratio | 9.9301% | 3,541 |
| Tier 1 risk-based capital ratio | 13.0000% | 3,903 |
| Total risk-based capital ratio | 14.2519% | 3,801 |
| Memoranda: | ||
| Average total assets | $253,440,000 | 2,467 |
| Average earning assets | $232,363,800 | 2,483 |
| Average equity | $23,918,600 | 2,768 |
| Average total loans | $180,652,600 | 2,323 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 1,209 |
| Cost of funding earning assets | 0.4707% | 2,515 |
| Net interest margin | 4.1965% | 1,159 |
| Noninterest income to average assets | 1.6638% | 407 |
| Noninterest expense to average assets | 4.3220% | 363 |
| Loan and lease loss provision to assets | 0.1046% | 2,019 |
| Net operating income to assets | 1.0857% | 2,147 |
| Return on assets (ROA) | 1.0857% | 2,209 |
| Pretax return on assets | 1.0857% | 3,358 |
| Return on Equity (ROE) | 11.6231% | 1,452 |
| Retained earnings to average equity (ytd only) | 7.6843% | 1,352 |
| Net charge-offs to loans | -0.0278% | 4,973 |
| Credit loss provision to net charge-offs | -532.4324% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4070% | 1,274 |
| Assets per employee ($millions) | 3.4305% | 4,830 |
| Cash dividends to net income (ytd only)* | 33.8876% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,773 |
| Loan loss allowance to noncurrent loans | 173.4720% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6009% | 924 |
| Noncurrent loans to loans | 0.8253% | 2,303 |
| Net loans and leases to total assets | 71.3906% | 2,343 |
| Net loans and leases to deposits | 82.1267% | 2,765 |
| Net loans and leases to core deposits | 89.1541% | 2,680 |
| Total domestic deposits to total assets | 86.9274% | 1,893 |
| Equity capital to assets | 9.5648% | 4,384 |
| Core capital (leverage) ratio | 9.4975% | 4,174 |
| Tier 1 risk-based capital ratio | 12.8910% | 4,088 |
| Total risk-based capital ratio | 14.1429% | 3,989 |
| Memoranda: | ||
| Average total assets | $251,145,500 | 2,500 |
| Average earning assets | $230,311,750 | 2,514 |
| Average equity | $23,458,500 | 2,836 |
| Average total loans | $177,609,500 | 2,363 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 1,351 |
| Cost of funding earning assets | 0.4537% | 2,568 |
| Net interest margin | 4.1083% | 1,306 |
| Noninterest income to average assets | 1.1650% | 747 |
| Noninterest expense to average assets | 4.0153% | 516 |
| Loan and lease loss provision to assets | 0.0257% | 3,486 |
| Net operating income to assets | 0.8904% | 2,962 |
| Return on assets (ROA) | 0.8904% | 3,017 |
| Pretax return on assets | 0.8904% | 3,960 |
| Return on Equity (ROE) | 9.6121% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.6078% | 2,344 |
| Net charge-offs to loans | -0.1420% | 5,513 |
| Credit loss provision to net charge-offs | -25.8065% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4230% | 1,060 |
| Assets per employee ($millions) | 3.6701% | 4,479 |
| Cash dividends to net income (ytd only)* | 41.6592% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,693 |
| Loan loss allowance to noncurrent loans | 167.3127% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.6341% | 902 |
| Noncurrent loans to loans | 0.8771% | 2,228 |
| Net loans and leases to total assets | 66.7325% | 2,998 |
| Net loans and leases to deposits | 76.5979% | 3,270 |
| Net loans and leases to core deposits | 83.0734% | 3,167 |
| Total domestic deposits to total assets | 87.1206% | 1,897 |
| Equity capital to assets | 9.1527% | 4,755 |
| Core capital (leverage) ratio | 9.4026% | 4,227 |
| Tier 1 risk-based capital ratio | 13.3915% | 3,755 |
| Total risk-based capital ratio | 14.6444% | 3,666 |
| Memoranda: | ||
| Average total assets | $249,098,670 | 2,525 |
| Average earning assets | $228,364,330 | 2,544 |
| Average equity | $23,075,000 | 2,875 |
| Average total loans | $174,697,330 | 2,397 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 1,334 |
| Cost of funding earning assets | 0.4384% | 2,634 |
| Net interest margin | 4.0772% | 1,278 |
| Noninterest income to average assets | 0.9073% | 1,214 |
| Noninterest expense to average assets | 3.9251% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7117% | 3,654 |
| Return on assets (ROA) | 0.7117% | 3,696 |
| Pretax return on assets | 0.7117% | 4,415 |
| Return on Equity (ROE) | 7.6342% | 3,099 |
| Retained earnings to average equity (ytd only) | 3.5614% | 3,662 |
| Net charge-offs to loans | -0.2923% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6508% | 912 |
| Assets per employee ($millions) | 3.5679% | 4,687 |
| Cash dividends to net income (ytd only)* | 53.3487% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,792 |
| Loan loss allowance to noncurrent loans | 83.6108% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 2.3527% | 513 |
| Noncurrent loans to loans | 1.7602% | 1,077 |
| Net loans and leases to total assets | 68.6490% | 2,576 |
| Net loans and leases to deposits | 79.9173% | 2,767 |
| Net loans and leases to core deposits | 86.5374% | 2,672 |
| Total domestic deposits to total assets | 85.9001% | 2,716 |
| Equity capital to assets | 9.3376% | 4,453 |
| Core capital (leverage) ratio | 9.7054% | 3,869 |
| Tier 1 risk-based capital ratio | 13.0255% | 4,063 |
| Total risk-based capital ratio | 14.2777% | 3,962 |
| Memoranda: | ||
| Average total assets | $243,358,500 | 2,584 |
| Average earning assets | $222,603,500 | 2,623 |
| Average equity | $22,687,500 | 2,927 |
| Average total loans | $173,805,500 | 2,418 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,221 |
| Cost of funding earning assets | 0.4724% | 2,330 |
| Net interest margin | 4.1530% | 1,230 |
| Noninterest income to average assets | 1.0882% | 955 |
| Noninterest expense to average assets | 3.9235% | 669 |
| Loan and lease loss provision to assets | 0.1899% | 1,236 |
| Net operating income to assets | 0.7542% | 3,518 |
| Return on assets (ROA) | 0.7542% | 3,636 |
| Pretax return on assets | 0.7542% | 4,324 |
| Return on Equity (ROE) | 8.5069% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.7363% | 947 |
| Net charge-offs to loans | 0.0735% | 2,649 |
| Credit loss provision to net charge-offs | 353.7190% | 869 |
| Earnings coverage of net charge-offs (x) | 17.5868% | 2,033 |
| Efficiency ratio | 80.6052% | 1,345 |
| Assets per employee ($millions) | 3.7026% | 4,469 |
| Cash dividends to net income (ytd only)* | 9.0588% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,068 |
| Loan loss allowance to noncurrent loans | 103.3107% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.2590% | 563 |
| Noncurrent loans to loans | 1.3572% | 1,511 |
| Net loans and leases to total assets | 72.2316% | 2,135 |
| Net loans and leases to deposits | 83.8619% | 2,436 |
| Net loans and leases to core deposits | 91.3976% | 2,354 |
| Total domestic deposits to total assets | 86.1316% | 2,517 |
| Equity capital to assets | 9.3069% | 4,467 |
| Core capital (leverage) ratio | 9.5146% | 4,062 |
| Tier 1 risk-based capital ratio | 12.3482% | 4,477 |
| Total risk-based capital ratio | 13.5994% | 4,365 |
| Memoranda: | ||
| Average total assets | $225,411,200 | 2,710 |
| Average earning assets | $205,128,400 | 2,738 |
| Average equity | $19,983,800 | 3,172 |
| Average total loans | $164,520,000 | 2,471 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 1,239 |
| Cost of funding earning assets | 0.4686% | 2,380 |
| Net interest margin | 4.1597% | 1,229 |
| Noninterest income to average assets | 1.1187% | 915 |
| Noninterest expense to average assets | 3.9845% | 602 |
| Loan and lease loss provision to assets | 0.2163% | 964 |
| Net operating income to assets | 0.6998% | 3,845 |
| Return on assets (ROA) | 0.6998% | 3,978 |
| Pretax return on assets | 0.6998% | 4,609 |
| Return on Equity (ROE) | 7.9999% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.9999% | 1,173 |
| Net charge-offs to loans | 0.0312% | 3,025 |
| Credit loss provision to net charge-offs | 950.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 40.2333% | 1,239 |
| Efficiency ratio | 81.3058% | 1,273 |
| Assets per employee ($millions) | 3.5481% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,931 |
| Loan loss allowance to noncurrent loans | 233.6511% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 953 |
| Noncurrent loans to loans | 0.6251% | 3,137 |
| Net loans and leases to total assets | 70.6110% | 2,407 |
| Net loans and leases to deposits | 81.6227% | 2,778 |
| Net loans and leases to core deposits | 88.5206% | 2,714 |
| Total domestic deposits to total assets | 86.5091% | 2,122 |
| Equity capital to assets | 8.6287% | 5,450 |
| Core capital (leverage) ratio | 8.5913% | 5,274 |
| Tier 1 risk-based capital ratio | 11.4846% | 5,095 |
| Total risk-based capital ratio | 12.7366% | 5,005 |
| Memoranda: | ||
| Average total assets | $222,523,000 | 2,744 |
| Average earning assets | $202,319,500 | 2,778 |
| Average equity | $19,466,250 | 3,240 |
| Average total loans | $162,250,750 | 2,499 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,241 |
| Cost of funding earning assets | 0.4590% | 2,489 |
| Net interest margin | 4.1549% | 1,214 |
| Noninterest income to average assets | 1.0995% | 925 |
| Noninterest expense to average assets | 4.0624% | 553 |
| Loan and lease loss provision to assets | 0.2369% | 843 |
| Net operating income to assets | 0.5763% | 4,370 |
| Return on assets (ROA) | 0.5763% | 4,495 |
| Pretax return on assets | 0.5763% | 4,957 |
| Return on Equity (ROE) | 6.5558% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.5558% | 1,849 |
| Net charge-offs to loans | 0.0574% | 2,365 |
| Credit loss provision to net charge-offs | 563.0435% | 599 |
| Earnings coverage of net charge-offs (x) | 19.3261% | 1,783 |
| Efficiency ratio | 83.3208% | 1,110 |
| Assets per employee ($millions) | 3.5716% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,281 |
| Loan loss allowance to noncurrent loans | 221.8957% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 956 |
| Noncurrent loans to loans | 0.6329% | 3,184 |
| Net loans and leases to total assets | 70.7939% | 2,353 |
| Net loans and leases to deposits | 81.8931% | 2,721 |
| Net loans and leases to core deposits | 88.7148% | 2,662 |
| Total domestic deposits to total assets | 86.4467% | 2,196 |
| Equity capital to assets | 8.4839% | 5,606 |
| Core capital (leverage) ratio | 8.5675% | 5,301 |
| Tier 1 risk-based capital ratio | 11.1895% | 5,321 |
| Total risk-based capital ratio | 12.4407% | 5,239 |
| Memoranda: | ||
| Average total assets | $218,639,670 | 2,782 |
| Average earning assets | $198,707,330 | 2,832 |
| Average equity | $19,219,670 | 3,268 |
| Average total loans | $160,400,000 | 2,527 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 1,198 |
| Cost of funding earning assets | 0.4501% | 2,585 |
| Net interest margin | 4.1757% | 1,157 |
| Noninterest income to average assets | 1.0043% | 1,067 |
| Noninterest expense to average assets | 4.1929% | 494 |
| Loan and lease loss provision to assets | 0.2360% | 771 |
| Net operating income to assets | 0.3587% | 5,113 |
| Return on assets (ROA) | 0.3587% | 5,197 |
| Pretax return on assets | 0.3587% | 5,382 |
| Return on Equity (ROE) | 4.0039% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.0039% | 3,486 |
| Net charge-offs to loans | 0.1730% | 1,103 |
| Credit loss provision to net charge-offs | 183.8235% | 1,135 |
| Earnings coverage of net charge-offs (x) | 4.6324% | 2,402 |
| Efficiency ratio | 87.5789% | 845 |
| Assets per employee ($millions) | 3.2125% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,680 |
| Loan loss allowance to noncurrent loans | 176.3519% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.9520% | 910 |
| Noncurrent loans to loans | 0.7631% | 2,923 |
| Net loans and leases to total assets | 72.2604% | 1,992 |
| Net loans and leases to deposits | 82.9820% | 2,434 |
| Net loans and leases to core deposits | 88.8647% | 2,471 |
| Total domestic deposits to total assets | 87.0796% | 2,172 |
| Equity capital to assets | 8.6559% | 5,455 |
| Core capital (leverage) ratio | 8.9688% | 4,898 |
| Tier 1 risk-based capital ratio | 11.2500% | 5,371 |
| Total risk-based capital ratio | 12.5010% | 5,275 |
| Memoranda: | ||
| Average total assets | $211,881,000 | 2,871 |
| Average earning assets | $191,968,500 | 2,912 |
| Average equity | $18,981,500 | 3,305 |
| Average total loans | $157,253,000 | 2,561 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 1,802 |
| Cost of funding earning assets | 0.3869% | 3,296 |
| Net interest margin | 4.0432% | 1,580 |
| Noninterest income to average assets | 1.1816% | 858 |
| Noninterest expense to average assets | 4.2170% | 530 |
| Loan and lease loss provision to assets | -0.0518% | 5,754 |
| Net operating income to assets | 0.6345% | 4,114 |
| Return on assets (ROA) | 0.6345% | 4,203 |
| Pretax return on assets | 0.6345% | 4,726 |
| Return on Equity (ROE) | 6.9255% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.9255% | 1,314 |
| Net charge-offs to loans | 0.0681% | 2,877 |
| Credit loss provision to net charge-offs | -111.1111% | 5,165 |
| Earnings coverage of net charge-offs (x) | 12.5111% | 2,460 |
| Efficiency ratio | 87.8585% | 841 |
| Assets per employee ($millions) | 3.0621% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,426 |
| Loan loss allowance to noncurrent loans | 169.9681% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 2.1702% | 780 |
| Noncurrent loans to loans | 0.8229% | 2,730 |
| Net loans and leases to total assets | 74.2302% | 1,692 |
| Net loans and leases to deposits | 86.0722% | 2,126 |
| Net loans and leases to core deposits | 92.2444% | 2,196 |
| Total domestic deposits to total assets | 86.2418% | 2,518 |
| Equity capital to assets | 9.2906% | 4,804 |
| Core capital (leverage) ratio | 9.5290% | 4,132 |
| Tier 1 risk-based capital ratio | 11.7749% | 5,093 |
| Total risk-based capital ratio | 13.0264% | 5,007 |
| Memoranda: | ||
| Average total assets | $193,218,400 | 3,010 |
| Average earning assets | $172,907,000 | 3,080 |
| Average equity | $17,702,600 | 3,425 |
| Average total loans | $132,210,800 | 2,851 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 1,961 |
| Cost of funding earning assets | 0.3859% | 3,385 |
| Net interest margin | 4.0023% | 1,693 |
| Noninterest income to average assets | 1.3235% | 693 |
| Noninterest expense to average assets | 4.2812% | 501 |
| Loan and lease loss provision to assets | 0.1047% | 2,114 |
| Net operating income to assets | 0.5145% | 4,738 |
| Return on assets (ROA) | 0.5145% | 4,825 |
| Pretax return on assets | 0.5145% | 5,187 |
| Return on Equity (ROE) | 5.6363% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.6363% | 2,499 |
| Net charge-offs to loans | 0.0912% | 2,257 |
| Credit loss provision to net charge-offs | 172.4138% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.1952% | 2,619 |
| Efficiency ratio | 87.3647% | 907 |
| Assets per employee ($millions) | 2.9241% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 1,342 |
| Loan loss allowance to noncurrent loans | 313.7022% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 1,007 |
| Noncurrent loans to loans | 0.5615% | 3,655 |
| Net loans and leases to total assets | 66.7805% | 2,882 |
| Net loans and leases to deposits | 77.1710% | 3,177 |
| Net loans and leases to core deposits | 82.6656% | 3,180 |
| Total domestic deposits to total assets | 86.5358% | 2,261 |
| Equity capital to assets | 9.2638% | 5,042 |
| Core capital (leverage) ratio | 9.1864% | 4,745 |
| Tier 1 risk-based capital ratio | 12.5393% | 4,732 |
| Total risk-based capital ratio | 13.7941% | 4,630 |
| Memoranda: | ||
| Average total assets | $190,998,750 | 3,065 |
| Average earning assets | $170,698,000 | 3,133 |
| Average equity | $17,434,250 | 3,494 |
| Average total loans | $127,227,250 | 2,954 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,884 |
| Cost of funding earning assets | 0.3809% | 3,479 |
| Net interest margin | 4.0098% | 1,616 |
| Noninterest income to average assets | 1.4555% | 601 |
| Noninterest expense to average assets | 4.2912% | 497 |
| Loan and lease loss provision to assets | 0.1592% | 1,333 |
| Net operating income to assets | 0.5818% | 4,425 |
| Return on assets (ROA) | 0.5818% | 4,519 |
| Pretax return on assets | 0.5818% | 5,019 |
| Return on Equity (ROE) | 6.4072% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.4072% | 1,995 |
| Net charge-offs to loans | 0.0209% | 3,260 |
| Credit loss provision to net charge-offs | 1,153.8462% | 309 |
| Earnings coverage of net charge-offs (x) | 53.6923% | 907 |
| Efficiency ratio | 85.2743% | 1,121 |
| Assets per employee ($millions) | 3.0468% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 1,092 |
| Loan loss allowance to noncurrent loans | 230.7331% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2877% | 889 |
| Noncurrent loans to loans | 0.8401% | 3,026 |
| Net loans and leases to total assets | 63.6935% | 3,307 |
| Net loans and leases to deposits | 74.5688% | 3,431 |
| Net loans and leases to core deposits | 80.1467% | 3,374 |
| Total domestic deposits to total assets | 85.4157% | 2,959 |
| Equity capital to assets | 9.2883% | 4,907 |
| Core capital (leverage) ratio | 9.3936% | 4,432 |
| Tier 1 risk-based capital ratio | 13.3353% | 4,324 |
| Total risk-based capital ratio | 14.5921% | 4,247 |
| Memoranda: | ||
| Average total assets | $188,385,670 | 3,121 |
| Average earning assets | $168,038,330 | 3,193 |
| Average equity | $17,105,670 | 3,554 |
| Average total loans | $124,581,000 | 3,009 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 1,769 |
| Cost of funding earning assets | 0.3756% | 3,586 |
| Net interest margin | 4.0249% | 1,480 |
| Noninterest income to average assets | 1.4221% | 581 |
| Noninterest expense to average assets | 4.2468% | 527 |
| Loan and lease loss provision to assets | 0.1621% | 1,243 |
| Net operating income to assets | 0.6030% | 4,279 |
| Return on assets (ROA) | 0.6030% | 4,373 |
| Pretax return on assets | 0.6030% | 4,911 |
| Return on Equity (ROE) | 6.7219% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.7219% | 2,137 |
| Net charge-offs to loans | 0.0583% | 2,174 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,440 |
| Efficiency ratio | 84.7348% | 1,294 |
| Assets per employee ($millions) | 3.1875% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 1,295 |
| Loan loss allowance to noncurrent loans | 218.6924% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 922 |
| Noncurrent loans to loans | 0.8665% | 3,078 |
| Net loans and leases to total assets | 63.2347% | 3,202 |
| Net loans and leases to deposits | 73.7146% | 3,348 |
| Net loans and leases to core deposits | 79.0827% | 3,275 |
| Total domestic deposits to total assets | 85.7832% | 3,054 |
| Equity capital to assets | 9.2528% | 5,023 |
| Core capital (leverage) ratio | 9.7156% | 3,997 |
| Tier 1 risk-based capital ratio | 13.1357% | 4,538 |
| Total risk-based capital ratio | 14.3922% | 4,446 |
| Memoranda: | ||
| Average total assets | $185,079,500 | 3,178 |
| Average earning assets | $165,071,500 | 3,250 |
| Average equity | $16,602,500 | 3,651 |
| Average total loans | $123,543,500 | 3,028 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 1,703 |
| Cost of funding earning assets | 0.4478% | 3,189 |
| Net interest margin | 4.1000% | 1,579 |
| Noninterest income to average assets | 1.4275% | 597 |
| Noninterest expense to average assets | 4.2054% | 597 |
| Loan and lease loss provision to assets | 0.0232% | 4,141 |
| Net operating income to assets | 0.8437% | 3,152 |
| Return on assets (ROA) | 0.8437% | 3,244 |
| Pretax return on assets | 0.8437% | 4,095 |
| Return on Equity (ROE) | 10.1904% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.1904% | 486 |
| Net charge-offs to loans | -0.0330% | 5,817 |
| Credit loss provision to net charge-offs | -102.5641% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9081% | 1,545 |
| Assets per employee ($millions) | 3.0828% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 1,309 |
| Loan loss allowance to noncurrent loans | 93.8842% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 3.4475% | 541 |
| Noncurrent loans to loans | 2.0278% | 1,364 |
| Net loans and leases to total assets | 67.9723% | 2,555 |
| Net loans and leases to deposits | 77.3506% | 3,042 |
| Net loans and leases to core deposits | 83.1067% | 2,981 |
| Total domestic deposits to total assets | 87.8756% | 1,834 |
| Equity capital to assets | 8.6581% | 5,608 |
| Core capital (leverage) ratio | 8.7068% | 5,341 |
| Tier 1 risk-based capital ratio | 11.9388% | 5,403 |
| Total risk-based capital ratio | 13.1966% | 5,301 |
| Memoranda: | ||
| Average total assets | $172,326,200 | 3,303 |
| Average earning assets | $153,195,400 | 3,390 |
| Average equity | $14,268,400 | 3,984 |
| Average total loans | $118,106,400 | 3,079 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,751 |
| Cost of funding earning assets | 0.4618% | 3,134 |
| Net interest margin | 4.0731% | 1,660 |
| Noninterest income to average assets | 1.4773% | 577 |
| Noninterest expense to average assets | 4.2555% | 581 |
| Loan and lease loss provision to assets | 0.0778% | 2,788 |
| Net operating income to assets | 0.7581% | 3,634 |
| Return on assets (ROA) | 0.7581% | 3,729 |
| Pretax return on assets | 0.7581% | 4,509 |
| Return on Equity (ROE) | 9.2643% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.2643% | 907 |
| Net charge-offs to loans | -0.0557% | 5,951 |
| Credit loss provision to net charge-offs | -204.0816% | 5,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5828% | 1,440 |
| Assets per employee ($millions) | 3.1842% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 1,286 |
| Loan loss allowance to noncurrent loans | 90.8676% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 3.9669% | 504 |
| Noncurrent loans to loans | 2.1836% | 1,399 |
| Net loans and leases to total assets | 68.6053% | 2,448 |
| Net loans and leases to deposits | 78.1778% | 2,931 |
| Net loans and leases to core deposits | 83.9894% | 2,883 |
| Total domestic deposits to total assets | 87.7555% | 1,895 |
| Equity capital to assets | 8.5265% | 5,780 |
| Core capital (leverage) ratio | 8.4311% | 5,727 |
| Tier 1 risk-based capital ratio | 11.5541% | 5,764 |
| Total risk-based capital ratio | 12.8120% | 5,683 |
| Memoranda: | ||
| Average total assets | $171,477,750 | 3,343 |
| Average earning assets | $152,148,500 | 3,429 |
| Average equity | $14,032,000 | 4,039 |
| Average total loans | $117,193,250 | 3,117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 1,740 |
| Cost of funding earning assets | 0.4694% | 3,112 |
| Net interest margin | 4.0600% | 1,635 |
| Noninterest income to average assets | 1.2526% | 745 |
| Noninterest expense to average assets | 4.2575% | 574 |
| Loan and lease loss provision to assets | 0.0642% | 2,989 |
| Net operating income to assets | 0.5253% | 4,713 |
| Return on assets (ROA) | 0.5253% | 4,804 |
| Pretax return on assets | 0.5253% | 5,205 |
| Return on Equity (ROE) | 6.5112% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.5112% | 2,028 |
| Net charge-offs to loans | -0.0327% | 5,717 |
| Credit loss provision to net charge-offs | -289.4737% | 5,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8372% | 1,099 |
| Assets per employee ($millions) | 3.0341% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0168% | 1,331 |
| Loan loss allowance to noncurrent loans | 83.5923% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 4.2360% | 478 |
| Noncurrent loans to loans | 2.4127% | 1,303 |
| Net loans and leases to total assets | 64.9758% | 2,911 |
| Net loans and leases to deposits | 73.5738% | 3,380 |
| Net loans and leases to core deposits | 78.9719% | 3,324 |
| Total domestic deposits to total assets | 88.3137% | 1,728 |
| Equity capital to assets | 8.1621% | 6,056 |
| Core capital (leverage) ratio | 8.1975% | 5,930 |
| Tier 1 risk-based capital ratio | 11.6259% | 5,727 |
| Total risk-based capital ratio | 12.8844% | 5,676 |
| Memoranda: | ||
| Average total assets | $171,321,670 | 3,366 |
| Average earning assets | $151,675,330 | 3,452 |
| Average equity | $13,822,330 | 4,074 |
| Average total loans | $116,140,330 | 3,135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,804 |
| Cost of funding earning assets | 0.4834% | 3,082 |
| Net interest margin | 4.0188% | 1,693 |
| Noninterest income to average assets | 1.1941% | 776 |
| Noninterest expense to average assets | 4.2179% | 593 |
| Loan and lease loss provision to assets | 0.1290% | 1,881 |
| Net operating income to assets | 0.3965% | 5,132 |
| Return on assets (ROA) | 0.3965% | 5,202 |
| Pretax return on assets | 0.3965% | 5,465 |
| Return on Equity (ROE) | 4.9431% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.9431% | 3,145 |
| Net charge-offs to loans | -0.0342% | 5,637 |
| Credit loss provision to net charge-offs | -550.0000% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9219% | 1,136 |
| Assets per employee ($millions) | 2.9706% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9633% | 1,591 |
| Loan loss allowance to noncurrent loans | 94.7368% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 4.1162% | 559 |
| Noncurrent loans to loans | 2.0723% | 1,784 |
| Net loans and leases to total assets | 66.7762% | 2,437 |
| Net loans and leases to deposits | 75.0399% | 2,937 |
| Net loans and leases to core deposits | 80.0618% | 2,955 |
| Total domestic deposits to total assets | 88.9875% | 1,670 |
| Equity capital to assets | 8.0066% | 6,054 |
| Core capital (leverage) ratio | 8.1552% | 5,988 |
| Tier 1 risk-based capital ratio | 11.2327% | 6,050 |
| Total risk-based capital ratio | 12.4904% | 5,998 |
| Memoranda: | ||
| Average total assets | $170,509,500 | 3,398 |
| Average earning assets | $150,592,000 | 3,498 |
| Average equity | $13,675,500 | 4,112 |
| Average total loans | $116,867,500 | 3,141 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4017% | 2,582 |
| Cost of funding earning assets | 0.6433% | 2,263 |
| Net interest margin | 3.7585% | 2,809 |
| Noninterest income to average assets | 1.4721% | 646 |
| Noninterest expense to average assets | 4.1773% | 712 |
| Loan and lease loss provision to assets | 0.0620% | 3,899 |
| Net operating income to assets | 0.5472% | 4,518 |
| Return on assets (ROA) | 0.5472% | 4,648 |
| Pretax return on assets | 0.5472% | 5,056 |
| Return on Equity (ROE) | 6.9272% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.9272% | 1,464 |
| Net charge-offs to loans | -0.0291% | 6,223 |
| Credit loss provision to net charge-offs | -318.1818% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2734% | 1,294 |
| Assets per employee ($millions) | 2.8597% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 1,727 |
| Loan loss allowance to noncurrent loans | 80.2509% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 4.6123% | 533 |
| Noncurrent loans to loans | 2.3973% | 1,594 |
| Net loans and leases to total assets | 67.6489% | 2,414 |
| Net loans and leases to deposits | 75.7595% | 2,988 |
| Net loans and leases to core deposits | 80.7117% | 3,044 |
| Total domestic deposits to total assets | 89.2944% | 1,433 |
| Equity capital to assets | 8.0344% | 5,994 |
| Core capital (leverage) ratio | 8.0760% | 6,080 |
| Tier 1 risk-based capital ratio | 11.0551% | 6,147 |
| Total risk-based capital ratio | 12.3121% | 6,085 |
| Memoranda: | ||
| Average total assets | $169,415,600 | 3,418 |
| Average earning assets | $149,396,000 | 3,513 |
| Average equity | $13,382,000 | 4,185 |
| Average total loans | $113,286,000 | 3,183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,834 |
| Cost of funding earning assets | 0.6594% | 2,270 |
| Net interest margin | 3.6795% | 3,106 |
| Noninterest income to average assets | 1.8578% | 459 |
| Noninterest expense to average assets | 4.2329% | 670 |
| Loan and lease loss provision to assets | 0.0826% | 3,414 |
| Net operating income to assets | 0.7886% | 3,407 |
| Return on assets (ROA) | 0.7886% | 3,543 |
| Pretax return on assets | 0.7886% | 4,343 |
| Return on Equity (ROE) | 10.0259% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.0259% | 783 |
| Net charge-offs to loans | -0.0237% | 6,102 |
| Credit loss provision to net charge-offs | -525.0000% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9328% | 1,714 |
| Assets per employee ($millions) | 2.8727% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 1,960 |
| Loan loss allowance to noncurrent loans | 77.5070% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 5.1471% | 532 |
| Noncurrent loans to loans | 2.4706% | 1,763 |
| Net loans and leases to total assets | 67.2716% | 2,418 |
| Net loans and leases to deposits | 75.2448% | 3,058 |
| Net loans and leases to core deposits | 81.0492% | 2,996 |
| Total domestic deposits to total assets | 89.4036% | 1,357 |
| Equity capital to assets | 8.0765% | 6,097 |
| Core capital (leverage) ratio | 8.0028% | 6,220 |
| Tier 1 risk-based capital ratio | 11.0483% | 6,258 |
| Total risk-based capital ratio | 12.3049% | 6,221 |
| Memoranda: | ||
| Average total assets | $169,588,500 | 3,454 |
| Average earning assets | $149,616,500 | 3,541 |
| Average equity | $13,338,500 | 4,243 |
| Average total loans | $112,512,750 | 3,218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 3,078 |
| Cost of funding earning assets | 0.6726% | 2,284 |
| Net interest margin | 3.5969% | 3,372 |
| Noninterest income to average assets | 2.2238% | 379 |
| Noninterest expense to average assets | 4.3025% | 626 |
| Loan and lease loss provision to assets | 0.1002% | 3,120 |
| Net operating income to assets | 0.9928% | 2,359 |
| Return on assets (ROA) | 0.9928% | 2,500 |
| Pretax return on assets | 0.9928% | 3,538 |
| Return on Equity (ROE) | 12.7367% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.7367% | 414 |
| Net charge-offs to loans | 0.0845% | 3,521 |
| Credit loss provision to net charge-offs | 180.8511% | 1,316 |
| Earnings coverage of net charge-offs (x) | 19.7234% | 1,495 |
| Efficiency ratio | 79.7421% | 2,195 |
| Assets per employee ($millions) | 3.1271% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 2,013 |
| Loan loss allowance to noncurrent loans | 75.3169% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 5.1660% | 587 |
| Noncurrent loans to loans | 2.5654% | 1,797 |
| Net loans and leases to total assets | 63.1237% | 3,082 |
| Net loans and leases to deposits | 71.0038% | 3,584 |
| Net loans and leases to core deposits | 76.9580% | 3,430 |
| Total domestic deposits to total assets | 88.9017% | 1,686 |
| Equity capital to assets | 7.9388% | 6,239 |
| Core capital (leverage) ratio | 7.9298% | 6,232 |
| Tier 1 risk-based capital ratio | 11.2327% | 6,231 |
| Total risk-based capital ratio | 12.4891% | 6,193 |
| Memoranda: | ||
| Average total assets | $169,620,670 | 3,465 |
| Average earning assets | $149,572,000 | 3,562 |
| Average equity | $13,221,670 | 4,289 |
| Average total loans | $111,268,330 | 3,243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,625 |
| Cost of funding earning assets | 0.7016% | 2,190 |
| Net interest margin | 3.6674% | 3,003 |
| Noninterest income to average assets | 2.0494% | 422 |
| Noninterest expense to average assets | 4.3601% | 600 |
| Loan and lease loss provision to assets | 0.0119% | 4,303 |
| Net operating income to assets | 0.9048% | 2,630 |
| Return on assets (ROA) | 0.9048% | 2,778 |
| Pretax return on assets | 0.9048% | 3,745 |
| Return on Equity (ROE) | 11.7181% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.7181% | 740 |
| Net charge-offs to loans | -0.0215% | 5,748 |
| Credit loss provision to net charge-offs | -83.3333% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6283% | 1,942 |
| Assets per employee ($millions) | 3.1129% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9483% | 2,182 |
| Loan loss allowance to noncurrent loans | 62.2458% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 5.4856% | 629 |
| Noncurrent loans to loans | 3.1300% | 1,585 |
| Net loans and leases to total assets | 62.0807% | 3,046 |
| Net loans and leases to deposits | 68.8521% | 3,657 |
| Net loans and leases to core deposits | 74.7288% | 3,492 |
| Total domestic deposits to total assets | 90.1654% | 952 |
| Equity capital to assets | 7.7074% | 6,521 |
| Core capital (leverage) ratio | 7.7882% | 6,302 |
| Tier 1 risk-based capital ratio | 11.4141% | 6,232 |
| Total risk-based capital ratio | 12.6713% | 6,202 |
| Memoranda: | ||
| Average total assets | $168,435,500 | 3,526 |
| Average earning assets | $148,226,500 | 3,622 |
| Average equity | $13,005,500 | 4,381 |
| Average total loans | $111,549,500 | 3,259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 3,076 |
| Cost of funding earning assets | 0.8550% | 2,259 |
| Net interest margin | 3.7266% | 3,538 |
| Noninterest income to average assets | 1.4003% | 789 |
| Noninterest expense to average assets | 4.0727% | 899 |
| Loan and lease loss provision to assets | 0.4580% | 1,373 |
| Net operating income to assets | 0.1221% | 5,964 |
| Return on assets (ROA) | 0.1234% | 6,104 |
| Pretax return on assets | 0.1234% | 6,117 |
| Return on Equity (ROE) | 1.5771% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.5771% | 5,084 |
| Net charge-offs to loans | 0.7202% | 1,632 |
| Credit loss provision to net charge-offs | 98.6842% | 3,143 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,838 |
| Efficiency ratio | 87.5312% | 1,287 |
| Assets per employee ($millions) | 3.1858% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 2,493 |
| Loan loss allowance to noncurrent loans | 111.8743% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 5.0646% | 757 |
| Noncurrent loans to loans | 1.6373% | 3,166 |
| Net loans and leases to total assets | 67.9687% | 2,185 |
| Net loans and leases to deposits | 75.1684% | 2,926 |
| Net loans and leases to core deposits | 81.4969% | 2,822 |
| Total domestic deposits to total assets | 90.4219% | 738 |
| Equity capital to assets | 7.7357% | 6,531 |
| Core capital (leverage) ratio | 7.7148% | 6,399 |
| Tier 1 risk-based capital ratio | 10.4572% | 6,568 |
| Total risk-based capital ratio | 11.7131% | 6,541 |
| Memoranda: | ||
| Average total assets | $163,749,200 | 3,553 |
| Average earning assets | $142,919,000 | 3,680 |
| Average equity | $12,808,400 | 4,402 |
| Average total loans | $105,528,200 | 3,385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 3,625 |
| Cost of funding earning assets | 0.8787% | 2,324 |
| Net interest margin | 3.6246% | 4,132 |
| Noninterest income to average assets | 1.3556% | 812 |
| Noninterest expense to average assets | 3.9892% | 947 |
| Loan and lease loss provision to assets | 0.3732% | 1,729 |
| Net operating income to assets | 0.1527% | 6,028 |
| Return on assets (ROA) | 0.1543% | 6,180 |
| Pretax return on assets | 0.1543% | 6,195 |
| Return on Equity (ROE) | 1.9676% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.9676% | 5,339 |
| Net charge-offs to loans | 1.0112% | 1,052 |
| Credit loss provision to net charge-offs | 58.3653% | 4,196 |
| Earnings coverage of net charge-offs (x) | 0.8225% | 4,917 |
| Efficiency ratio | 88.3523% | 1,159 |
| Assets per employee ($millions) | 3.2918% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 3,173 |
| Loan loss allowance to noncurrent loans | 86.8191% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 5.8697% | 695 |
| Noncurrent loans to loans | 1.9505% | 2,896 |
| Net loans and leases to total assets | 62.9579% | 3,212 |
| Net loans and leases to deposits | 69.6906% | 3,938 |
| Net loans and leases to core deposits | 75.3425% | 3,810 |
| Total domestic deposits to total assets | 90.3391% | 657 |
| Equity capital to assets | 7.7993% | 6,676 |
| Core capital (leverage) ratio | 7.6647% | 6,545 |
| Tier 1 risk-based capital ratio | 10.8672% | 6,533 |
| Total risk-based capital ratio | 12.1208% | 6,512 |
| Memoranda: | ||
| Average total assets | $163,271,500 | 3,597 |
| Average earning assets | $142,320,750 | 3,730 |
| Average equity | $12,806,750 | 4,443 |
| Average total loans | $103,235,750 | 3,477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 3,835 |
| Cost of funding earning assets | 0.8987% | 2,405 |
| Net interest margin | 3.5850% | 4,326 |
| Noninterest income to average assets | 1.3658% | 768 |
| Noninterest expense to average assets | 3.9661% | 989 |
| Loan and lease loss provision to assets | 0.3820% | 1,710 |
| Net operating income to assets | 0.1437% | 6,061 |
| Return on assets (ROA) | 0.1462% | 6,222 |
| Pretax return on assets | 0.1462% | 6,234 |
| Return on Equity (ROE) | 1.8599% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.8599% | 5,268 |
| Net charge-offs to loans | 1.0770% | 1,014 |
| Credit loss provision to net charge-offs | 56.3406% | 3,892 |
| Earnings coverage of net charge-offs (x) | 0.7754% | 4,671 |
| Efficiency ratio | 88.2964% | 1,210 |
| Assets per employee ($millions) | 3.5589% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 2,812 |
| Loan loss allowance to noncurrent loans | 57.8589% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 6.1351% | 688 |
| Noncurrent loans to loans | 3.1334% | 1,865 |
| Net loans and leases to total assets | 60.5491% | 3,724 |
| Net loans and leases to deposits | 66.9036% | 4,377 |
| Net loans and leases to core deposits | 72.2826% | 4,269 |
| Total domestic deposits to total assets | 90.5020% | 660 |
| Equity capital to assets | 7.7428% | 6,701 |
| Core capital (leverage) ratio | 7.6051% | 6,564 |
| Tier 1 risk-based capital ratio | 10.8466% | 6,561 |
| Total risk-based capital ratio | 12.1014% | 6,541 |
| Memoranda: | ||
| Average total assets | $162,831,670 | 3,619 |
| Average earning assets | $141,981,330 | 3,750 |
| Average equity | $12,796,670 | 4,434 |
| Average total loans | $102,511,670 | 3,504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 3,701 |
| Cost of funding earning assets | 0.9237% | 2,489 |
| Net interest margin | 3.6291% | 4,131 |
| Noninterest income to average assets | 1.5615% | 592 |
| Noninterest expense to average assets | 4.0046% | 932 |
| Loan and lease loss provision to assets | 0.5379% | 1,102 |
| Net operating income to assets | 0.1793% | 6,044 |
| Return on assets (ROA) | 0.1793% | 6,185 |
| Pretax return on assets | 0.1793% | 6,237 |
| Return on Equity (ROE) | 2.2642% | 5,982 |
| Retained earnings to average equity (ytd only) | 2.2642% | 5,123 |
| Net charge-offs to loans | 2.0040% | 470 |
| Credit loss provision to net charge-offs | 42.1875% | 3,415 |
| Earnings coverage of net charge-offs (x) | 0.5625% | 4,054 |
| Efficiency ratio | 84.8101% | 1,596 |
| Assets per employee ($millions) | 3.7491% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 3,090 |
| Loan loss allowance to noncurrent loans | 46.7181% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 6.6392% | 669 |
| Noncurrent loans to loans | 3.7905% | 1,630 |
| Net loans and leases to total assets | 61.0324% | 3,441 |
| Net loans and leases to deposits | 67.4394% | 4,155 |
| Net loans and leases to core deposits | 71.2373% | 4,261 |
| Total domestic deposits to total assets | 90.4995% | 806 |
| Equity capital to assets | 7.6916% | 6,696 |
| Core capital (leverage) ratio | 7.7879% | 6,421 |
| Tier 1 risk-based capital ratio | 10.8347% | 6,606 |
| Total risk-based capital ratio | 12.0885% | 6,594 |
| Memoranda: | ||
| Average total assets | $160,614,500 | 3,672 |
| Average earning assets | $139,869,500 | 3,820 |
| Average equity | $12,719,500 | 4,461 |
| Average total loans | $102,193,500 | 3,535 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 5,152 |
| Cost of funding earning assets | 1.0266% | 3,182 |
| Net interest margin | 3.4547% | 5,306 |
| Noninterest income to average assets | 1.0791% | 1,145 |
| Noninterest expense to average assets | 3.8112% | 1,326 |
| Loan and lease loss provision to assets | 0.9293% | 1,033 |
| Net operating income to assets | -0.6720% | 6,593 |
| Return on assets (ROA) | -0.6720% | 6,627 |
| Pretax return on assets | -0.6720% | 6,584 |
| Return on Equity (ROE) | -8.0059% | 6,678 |
| Retained earnings to average equity (ytd only) | -8.0059% | 6,625 |
| Net charge-offs to loans | 2.1075% | 636 |
| Credit loss provision to net charge-offs | 71.3163% | 4,807 |
| Earnings coverage of net charge-offs (x) | 0.1974% | 5,685 |
| Efficiency ratio | 93.6763% | 944 |
| Assets per employee ($millions) | 3.4726% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 2,079 |
| Loan loss allowance to noncurrent loans | 50.3578% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 7.1678% | 635 |
| Noncurrent loans to loans | 4.1141% | 1,504 |
| Net loans and leases to total assets | 63.8527% | 3,222 |
| Net loans and leases to deposits | 70.4984% | 4,021 |
| Net loans and leases to core deposits | 76.0667% | 3,972 |
| Total domestic deposits to total assets | 90.5733% | 676 |
| Equity capital to assets | 8.1596% | 6,477 |
| Core capital (leverage) ratio | 8.0616% | 6,192 |
| Tier 1 risk-based capital ratio | 10.8435% | 6,537 |
| Total risk-based capital ratio | 12.1004% | 6,515 |
| Memoranda: | ||
| Average total assets | $156,248,000 | 3,697 |
| Average earning assets | $135,208,600 | 3,837 |
| Average equity | $13,115,400 | 4,320 |
| Average total loans | $96,606,800 | 3,714 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 5,619 |
| Cost of funding earning assets | 1.0409% | 3,384 |
| Net interest margin | 3.3544% | 5,702 |
| Noninterest income to average assets | 1.1256% | 1,041 |
| Noninterest expense to average assets | 3.8810% | 1,184 |
| Loan and lease loss provision to assets | 0.7979% | 1,168 |
| Net operating income to assets | -0.6520% | 6,728 |
| Return on assets (ROA) | -0.6520% | 6,765 |
| Pretax return on assets | -0.6520% | 6,711 |
| Return on Equity (ROE) | -7.7132% | 6,800 |
| Retained earnings to average equity (ytd only) | -7.7132% | 6,749 |
| Net charge-offs to loans | 2.6824% | 390 |
| Credit loss provision to net charge-offs | 48.7741% | 5,057 |
| Earnings coverage of net charge-offs (x) | 0.0892% | 5,536 |
| Efficiency ratio | 96.3764% | 799 |
| Assets per employee ($millions) | 3.6078% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 3,029 |
| Loan loss allowance to noncurrent loans | 70.9611% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 6.2752% | 836 |
| Noncurrent loans to loans | 2.4984% | 2,774 |
| Net loans and leases to total assets | 61.1781% | 3,905 |
| Net loans and leases to deposits | 68.0510% | 4,595 |
| Net loans and leases to core deposits | 74.2484% | 4,418 |
| Total domestic deposits to total assets | 89.9003% | 924 |
| Equity capital to assets | 8.4101% | 6,387 |
| Core capital (leverage) ratio | 8.2273% | 6,097 |
| Tier 1 risk-based capital ratio | 11.6150% | 6,165 |
| Total risk-based capital ratio | 12.8689% | 6,151 |
| Memoranda: | ||
| Average total assets | $156,242,750 | 3,723 |
| Average earning assets | $135,140,500 | 3,859 |
| Average equity | $13,206,500 | 4,304 |
| Average total loans | $95,285,250 | 3,775 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 6,002 |
| Cost of funding earning assets | 1.0337% | 3,716 |
| Net interest margin | 3.2741% | 5,931 |
| Noninterest income to average assets | 1.0829% | 1,107 |
| Noninterest expense to average assets | 4.0022% | 1,052 |
| Loan and lease loss provision to assets | 1.1110% | 731 |
| Net operating income to assets | -1.2030% | 7,006 |
| Return on assets (ROA) | -1.2030% | 7,017 |
| Pretax return on assets | -1.2030% | 6,968 |
| Return on Equity (ROE) | -14.2085% | 7,044 |
| Retained earnings to average equity (ytd only) | -14.2085% | 7,011 |
| Net charge-offs to loans | 3.1042% | 324 |
| Credit loss provision to net charge-offs | 59.1033% | 4,362 |
| Earnings coverage of net charge-offs (x) | -0.0489% | 5,312 |
| Efficiency ratio | 102.3514% | 654 |
| Assets per employee ($millions) | 3.5258% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2729% | 1,791 |
| Loan loss allowance to noncurrent loans | 44.7892% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 8.0967% | 563 |
| Noncurrent loans to loans | 5.0747% | 1,283 |
| Net loans and leases to total assets | 58.0074% | 4,623 |
| Net loans and leases to deposits | 64.3372% | 5,231 |
| Net loans and leases to core deposits | 70.2336% | 5,046 |
| Total domestic deposits to total assets | 90.1616% | 890 |
| Equity capital to assets | 8.2340% | 6,486 |
| Core capital (leverage) ratio | 8.0446% | 6,247 |
| Tier 1 risk-based capital ratio | 11.8232% | 5,921 |
| Total risk-based capital ratio | 13.0820% | 5,893 |
| Memoranda: | ||
| Average total assets | $156,612,330 | 3,739 |
| Average earning assets | $135,242,670 | 3,877 |
| Average equity | $13,259,670 | 4,284 |
| Average total loans | $94,840,000 | 3,818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 6,105 |
| Cost of funding earning assets | 1.0220% | 4,051 |
| Net interest margin | 3.2452% | 5,933 |
| Noninterest income to average assets | 1.2787% | 779 |
| Noninterest expense to average assets | 4.1335% | 886 |
| Loan and lease loss provision to assets | 0.5643% | 1,530 |
| Net operating income to assets | -0.6101% | 6,870 |
| Return on assets (ROA) | -0.6101% | 6,874 |
| Pretax return on assets | -0.6101% | 6,821 |
| Return on Equity (ROE) | -7.1098% | 6,920 |
| Retained earnings to average equity (ytd only) | -7.1098% | 6,686 |
| Net charge-offs to loans | 1.8666% | 692 |
| Credit loss provision to net charge-offs | 49.4432% | 3,764 |
| Earnings coverage of net charge-offs (x) | -0.0401% | 4,612 |
| Efficiency ratio | 101.1194% | 703 |
| Assets per employee ($millions) | 3.3782% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5846% | 1,335 |
| Loan loss allowance to noncurrent loans | 34.7802% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 8.9037% | 489 |
| Noncurrent loans to loans | 7.4314% | 702 |
| Net loans and leases to total assets | 58.5851% | 4,532 |
| Net loans and leases to deposits | 64.7012% | 5,166 |
| Net loans and leases to core deposits | 69.4011% | 5,122 |
| Total domestic deposits to total assets | 90.5471% | 820 |
| Equity capital to assets | 8.4144% | 6,031 |
| Core capital (leverage) ratio | 8.5264% | 5,398 |
| Tier 1 risk-based capital ratio | 12.2586% | 5,470 |
| Total risk-based capital ratio | 13.5211% | 5,460 |
| Memoranda: | ||
| Average total assets | $157,350,000 | 3,755 |
| Average earning assets | $136,201,000 | 3,893 |
| Average equity | $13,502,500 | 4,221 |
| Average total loans | $96,218,000 | 3,825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 5,735 |
| Cost of funding earning assets | 1.3275% | 3,701 |
| Net interest margin | 3.3913% | 5,667 |
| Noninterest income to average assets | 0.7774% | 2,393 |
| Noninterest expense to average assets | 3.8150% | 1,457 |
| Loan and lease loss provision to assets | 1.1558% | 1,367 |
| Net operating income to assets | -1.1696% | 6,774 |
| Return on assets (ROA) | -1.1726% | 6,798 |
| Pretax return on assets | -1.2042% | 6,740 |
| Return on Equity (ROE) | -14.3216% | 6,896 |
| Retained earnings to average equity (ytd only) | -14.3216% | 6,856 |
| Net charge-offs to loans | 2.6128% | 704 |
| Credit loss provision to net charge-offs | 66.1937% | 5,951 |
| Earnings coverage of net charge-offs (x) | -0.0259% | 6,152 |
| Efficiency ratio | 101.1995% | 740 |
| Assets per employee ($millions) | 3.3897% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7798% | 1,079 |
| Loan loss allowance to noncurrent loans | 45.9898% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 8.1925% | 597 |
| Noncurrent loans to loans | 6.0444% | 1,030 |
| Net loans and leases to total assets | 60.4487% | 4,595 |
| Net loans and leases to deposits | 66.6535% | 5,314 |
| Net loans and leases to core deposits | 73.0606% | 5,090 |
| Total domestic deposits to total assets | 90.6910% | 753 |
| Equity capital to assets | 8.7511% | 5,508 |
| Core capital (leverage) ratio | 8.7670% | 4,906 |
| Tier 1 risk-based capital ratio | 12.3035% | 5,200 |
| Total risk-based capital ratio | 13.5685% | 5,158 |
| Memoranda: | ||
| Average total assets | $161,440,200 | 3,672 |
| Average earning assets | $142,453,200 | 3,768 |
| Average equity | $13,217,800 | 4,323 |
| Average total loans | $107,893,200 | 3,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 5,873 |
| Cost of funding earning assets | 1.3873% | 3,652 |
| Net interest margin | 3.3580% | 5,813 |
| Noninterest income to average assets | 0.6723% | 2,999 |
| Noninterest expense to average assets | 3.7595% | 1,456 |
| Loan and lease loss provision to assets | 0.7206% | 2,119 |
| Net operating income to assets | -0.7871% | 6,789 |
| Return on assets (ROA) | -0.7910% | 6,822 |
| Pretax return on assets | -0.8328% | 6,762 |
| Return on Equity (ROE) | -9.8236% | 6,920 |
| Retained earnings to average equity (ytd only) | -9.8236% | 6,869 |
| Net charge-offs to loans | 2.1392% | 860 |
| Credit loss provision to net charge-offs | 49.5775% | 5,890 |
| Earnings coverage of net charge-offs (x) | -0.0744% | 6,089 |
| Efficiency ratio | 102.9603% | 656 |
| Assets per employee ($millions) | 3.6905% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6806% | 1,101 |
| Loan loss allowance to noncurrent loans | 34.9188% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 8.5535% | 558 |
| Noncurrent loans to loans | 7.6768% | 698 |
| Net loans and leases to total assets | 64.4813% | 4,022 |
| Net loans and leases to deposits | 71.5259% | 4,905 |
| Net loans and leases to core deposits | 79.5482% | 4,581 |
| Total domestic deposits to total assets | 90.1510% | 802 |
| Equity capital to assets | 9.4252% | 4,954 |
| Core capital (leverage) ratio | 9.0319% | 4,639 |
| Tier 1 risk-based capital ratio | 12.8411% | 4,698 |
| Total risk-based capital ratio | 14.1057% | 4,678 |
| Memoranda: | ||
| Average total assets | $162,819,250 | 3,703 |
| Average earning assets | $144,449,500 | 3,777 |
| Average equity | $13,111,000 | 4,415 |
| Average total loans | $110,629,250 | 3,592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 5,723 |
| Cost of funding earning assets | 1.4284% | 3,684 |
| Net interest margin | 3.3915% | 5,673 |
| Noninterest income to average assets | 1.1220% | 1,040 |
| Noninterest expense to average assets | 3.8241% | 1,319 |
| Loan and lease loss provision to assets | 0.1221% | 5,678 |
| Net operating income to assets | 0.2515% | 5,371 |
| Return on assets (ROA) | 0.2454% | 5,534 |
| Pretax return on assets | 0.1838% | 5,807 |
| Return on Equity (ROE) | 3.2192% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.2192% | 4,057 |
| Net charge-offs to loans | 2.3077% | 770 |
| Credit loss provision to net charge-offs | 7.7276% | 5,966 |
| Earnings coverage of net charge-offs (x) | 0.1974% | 5,529 |
| Efficiency ratio | 92.4583% | 1,162 |
| Assets per employee ($millions) | 3.5680% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2663% | 1,644 |
| Loan loss allowance to noncurrent loans | 43.4674% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 6.5858% | 843 |
| Noncurrent loans to loans | 5.2138% | 1,310 |
| Net loans and leases to total assets | 64.1637% | 4,231 |
| Net loans and leases to deposits | 69.8643% | 5,298 |
| Net loans and leases to core deposits | 77.7442% | 4,996 |
| Total domestic deposits to total assets | 91.8405% | 253 |
| Equity capital to assets | 7.7800% | 6,947 |
| Core capital (leverage) ratio | 7.6298% | 6,697 |
| Tier 1 risk-based capital ratio | 10.6990% | 6,529 |
| Total risk-based capital ratio | 11.9590% | 6,509 |
| Memoranda: | ||
| Average total assets | $165,425,670 | 3,683 |
| Average earning assets | $147,015,000 | 3,764 |
| Average equity | $12,611,670 | 4,523 |
| Average total loans | $113,272,670 | 3,551 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 5,744 |
| Cost of funding earning assets | 1.4920% | 3,612 |
| Net interest margin | 3.3441% | 5,806 |
| Noninterest income to average assets | 1.1320% | 971 |
| Noninterest expense to average assets | 3.9235% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3059% | 5,276 |
| Return on assets (ROA) | 0.3035% | 5,415 |
| Pretax return on assets | 0.1806% | 5,945 |
| Return on Equity (ROE) | 4.0214% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.0214% | 3,739 |
| Net charge-offs to loans | 2.3407% | 719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.1119% | 4,933 |
| Efficiency ratio | 95.5425% | 1,053 |
| Assets per employee ($millions) | 3.6338% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6281% | 1,148 |
| Loan loss allowance to noncurrent loans | 44.5863% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 6.8517% | 797 |
| Noncurrent loans to loans | 5.8944% | 1,129 |
| Net loans and leases to total assets | 65.8084% | 3,907 |
| Net loans and leases to deposits | 71.4526% | 5,133 |
| Net loans and leases to core deposits | 79.9695% | 4,767 |
| Total domestic deposits to total assets | 92.1007% | 223 |
| Equity capital to assets | 7.5373% | 7,043 |
| Core capital (leverage) ratio | 7.5543% | 6,793 |
| Tier 1 risk-based capital ratio | 10.1644% | 6,916 |
| Total risk-based capital ratio | 11.4284% | 6,888 |
| Memoranda: | ||
| Average total assets | $166,075,000 | 3,731 |
| Average earning assets | $147,721,500 | 3,807 |
| Average equity | $12,533,000 | 4,580 |
| Average total loans | $116,033,000 | 3,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1030% | 6,075 |
| Cost of funding earning assets | 1.9803% | 3,055 |
| Net interest margin | 3.1227% | 6,299 |
| Noninterest income to average assets | 0.1319% | 7,095 |
| Noninterest expense to average assets | 4.4033% | 873 |
| Loan and lease loss provision to assets | 1.9736% | 1,101 |
| Net operating income to assets | -3.4224% | 7,491 |
| Return on assets (ROA) | -3.4271% | 7,493 |
| Pretax return on assets | -3.4955% | 7,422 |
| Return on Equity (ROE) | -41.0770% | 7,587 |
| Retained earnings to average equity (ytd only) | -41.0770% | 7,570 |
| Net charge-offs to loans | 1.8195% | 1,370 |
| Credit loss provision to net charge-offs | 143.6812% | 3,339 |
| Earnings coverage of net charge-offs (x) | -1.1044% | 6,899 |
| Efficiency ratio | 152.5566% | 300 |
| Assets per employee ($millions) | 3.4374% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0631% | 732 |
| Loan loss allowance to noncurrent loans | 66.3755% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 6.2105% | 894 |
| Noncurrent loans to loans | 4.6148% | 1,528 |
| Net loans and leases to total assets | 69.9700% | 3,264 |
| Net loans and leases to deposits | 75.9675% | 4,749 |
| Net loans and leases to core deposits | 107.1802% | 3,191 |
| Total domestic deposits to total assets | 92.1052% | 244 |
| Equity capital to assets | 7.5560% | 6,981 |
| Core capital (leverage) ratio | 7.4596% | 6,827 |
| Tier 1 risk-based capital ratio | 9.3220% | 7,318 |
| Total risk-based capital ratio | 10.5902% | 7,292 |
| Memoranda: | ||
| Average total assets | $165,328,800 | 3,684 |
| Average earning assets | $145,837,000 | 3,783 |
| Average equity | $13,793,600 | 4,315 |
| Average total loans | $124,817,800 | 3,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1238% | 6,192 |
| Cost of funding earning assets | 2.0188% | 3,256 |
| Net interest margin | 3.1050% | 6,304 |
| Noninterest income to average assets | 1.0849% | 1,351 |
| Noninterest expense to average assets | 4.5679% | 683 |
| Loan and lease loss provision to assets | 0.8883% | 2,169 |
| Net operating income to assets | -1.5705% | 7,144 |
| Return on assets (ROA) | -1.5782% | 7,145 |
| Pretax return on assets | -1.6443% | 7,025 |
| Return on Equity (ROE) | -18.4818% | 7,324 |
| Retained earnings to average equity (ytd only) | -18.4818% | 7,288 |
| Net charge-offs to loans | 1.3560% | 1,519 |
| Credit loss provision to net charge-offs | 85.8255% | 5,596 |
| Earnings coverage of net charge-offs (x) | -0.7227% | 6,570 |
| Efficiency ratio | 119.5822% | 592 |
| Assets per employee ($millions) | 3.1200% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0434% | 1,700 |
| Loan loss allowance to noncurrent loans | 46.4252% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 7.4552% | 604 |
| Noncurrent loans to loans | 4.4015% | 1,602 |
| Net loans and leases to total assets | 71.7208% | 3,104 |
| Net loans and leases to deposits | 78.8993% | 4,578 |
| Net loans and leases to core deposits | 117.2796% | 2,495 |
| Total domestic deposits to total assets | 90.9018% | 447 |
| Equity capital to assets | 8.5183% | 6,230 |
| Core capital (leverage) ratio | 8.1657% | 6,075 |
| Tier 1 risk-based capital ratio | 10.0105% | 6,975 |
| Total risk-based capital ratio | 11.2671% | 6,916 |
| Memoranda: | ||
| Average total assets | $165,412,250 | 3,701 |
| Average earning assets | $145,695,250 | 3,800 |
| Average equity | $14,125,250 | 4,263 |
| Average total loans | $126,248,500 | 3,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 6,042 |
| Cost of funding earning assets | 1.9663% | 3,935 |
| Net interest margin | 3.2438% | 5,759 |
| Noninterest income to average assets | 1.0905% | 1,343 |
| Noninterest expense to average assets | 4.6171% | 684 |
| Loan and lease loss provision to assets | 0.4896% | 3,085 |
| Net operating income to assets | -1.0803% | 7,038 |
| Return on assets (ROA) | -1.0917% | 7,048 |
| Pretax return on assets | -1.1642% | 6,912 |
| Return on Equity (ROE) | -12.7738% | 7,216 |
| Retained earnings to average equity (ytd only) | -12.7738% | 7,102 |
| Net charge-offs to loans | 1.5691% | 1,204 |
| Credit loss provision to net charge-offs | 40.3386% | 5,898 |
| Earnings coverage of net charge-offs (x) | -0.5458% | 6,097 |
| Efficiency ratio | 116.7533% | 724 |
| Assets per employee ($millions) | 2.9906% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 2,416 |
| Loan loss allowance to noncurrent loans | 43.0364% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 7.4765% | 535 |
| Noncurrent loans to loans | 3.9017% | 1,742 |
| Net loans and leases to total assets | 68.2953% | 4,108 |
| Net loans and leases to deposits | 75.1531% | 5,297 |
| Net loans and leases to core deposits | 109.8656% | 3,389 |
| Total domestic deposits to total assets | 90.8749% | 501 |
| Equity capital to assets | 8.5516% | 5,972 |
| Core capital (leverage) ratio | 8.6885% | 5,110 |
| Tier 1 risk-based capital ratio | 10.3303% | 6,564 |
| Total risk-based capital ratio | 11.5827% | 6,493 |
| Memoranda: | ||
| Average total assets | $165,429,000 | 3,716 |
| Average earning assets | $146,061,330 | 3,819 |
| Average equity | $14,138,330 | 4,274 |
| Average total loans | $127,973,670 | 3,379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 5,806 |
| Cost of funding earning assets | 1.9057% | 4,596 |
| Net interest margin | 3.4152% | 5,079 |
| Noninterest income to average assets | 1.0430% | 1,369 |
| Noninterest expense to average assets | 4.5548% | 672 |
| Loan and lease loss provision to assets | 0.3402% | 3,286 |
| Net operating income to assets | -0.7379% | 7,087 |
| Return on assets (ROA) | -0.7379% | 7,119 |
| Pretax return on assets | -0.8129% | 7,046 |
| Return on Equity (ROE) | -8.6365% | 7,279 |
| Retained earnings to average equity (ytd only) | -8.6365% | 6,975 |
| Net charge-offs to loans | -0.2020% | 8,010 |
| Credit loss provision to net charge-offs | -206.0606% | 6,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5809% | 774 |
| Assets per employee ($millions) | 2.6894% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 1,049 |
| Loan loss allowance to noncurrent loans | 33.0979% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 7.8707% | 385 |
| Noncurrent loans to loans | 6.7395% | 619 |
| Net loans and leases to total assets | 75.1253% | 2,474 |
| Net loans and leases to deposits | 83.3763% | 4,080 |
| Net loans and leases to core deposits | 119.7123% | 2,441 |
| Total domestic deposits to total assets | 90.1040% | 752 |
| Equity capital to assets | 9.4000% | 4,809 |
| Core capital (leverage) ratio | 9.6013% | 3,866 |
| Tier 1 risk-based capital ratio | 10.8432% | 6,051 |
| Total risk-based capital ratio | 12.1023% | 5,942 |
| Memoranda: | ||
| Average total assets | $159,920,000 | 3,840 |
| Average earning assets | $142,306,500 | 3,910 |
| Average equity | $13,663,000 | 4,410 |
| Average total loans | $130,679,000 | 3,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7857% | 1,730 |
| Cost of funding earning assets | 2.4313% | 4,564 |
| Net interest margin | 4.3545% | 1,810 |
| Noninterest income to average assets | 1.1934% | 1,061 |
| Noninterest expense to average assets | 4.5500% | 846 |
| Loan and lease loss provision to assets | 3.8788% | 176 |
| Net operating income to assets | -2.4726% | 7,703 |
| Return on assets (ROA) | -2.4746% | 7,675 |
| Pretax return on assets | -3.2979% | 7,779 |
| Return on Equity (ROE) | -28.0781% | 7,925 |
| Retained earnings to average equity (ytd only) | -28.0781% | 7,874 |
| Net charge-offs to loans | 3.5367% | 222 |
| Credit loss provision to net charge-offs | 125.7525% | 4,244 |
| Earnings coverage of net charge-offs (x) | 0.1892% | 6,130 |
| Efficiency ratio | 88.6335% | 1,619 |
| Assets per employee ($millions) | 2.2514% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 1,238 |
| Loan loss allowance to noncurrent loans | 35.0812% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 7.0936% | 361 |
| Noncurrent loans to loans | 5.6825% | 674 |
| Net loans and leases to total assets | 85.2909% | 687 |
| Net loans and leases to deposits | 92.7934% | 2,996 |
| Net loans and leases to core deposits | 131.8853% | 1,731 |
| Total domestic deposits to total assets | 91.9149% | 148 |
| Equity capital to assets | 7.6109% | 7,292 |
| Core capital (leverage) ratio | 7.5323% | 7,165 |
| Tier 1 risk-based capital ratio | 8.1057% | 8,066 |
| Total risk-based capital ratio | 9.3636% | 8,105 |
| Memoranda: | ||
| Average total assets | $155,098,800 | 3,800 |
| Average earning assets | $140,338,800 | 3,841 |
| Average equity | $13,669,000 | 4,411 |
| Average total loans | $135,268,800 | 3,173 |