Home > Lake Area Bank > Performance and Condition Ratios
Lake Area 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 | 4.2479% | 807 |
| Cost of funding earning assets | 0.1848% | 3,454 |
| Net interest margin | 4.0632% | 558 |
| Noninterest income to average assets | 17.5400% | 78 |
| Noninterest expense to average assets | 6.9332% | 144 |
| Loan and lease loss provision to assets | -0.2700% | 4,696 |
| Net operating income to assets | 14.4390% | 31 |
| Return on assets (ROA) | 9.6331% | 45 |
| Pretax return on assets | 9.6331% | 51 |
| Return on Equity (ROE) | 76.8700% | 10 |
| Retained earnings to average equity (ytd only) | -77.5529% | 4,761 |
| Net charge-offs to loans | -0.1359% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 32.8491% | 4,673 |
| Assets per employee ($millions) | 7.4596% | 1,641 |
| Cash dividends to net income (ytd only)* | 200.8914% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,279 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 570 |
| Noncurrent loans to loans | 1.0450% | 732 |
| Net loans and leases to total assets | 5.2000% | 4,663 |
| Net loans and leases to deposits | 6.5766% | 4,665 |
| Net loans and leases to core deposits | 6.7614% | 4,649 |
| Total domestic deposits to total assets | 79.1400% | 4,168 |
| Equity capital to assets | 18.5929% | 255 |
| Core capital (leverage) ratio | 9.4636% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $350,920,250 | 2,237 |
| Average earning assets | $308,125,250 | 2,309 |
| Average equity | $43,977,500 | 1,812 |
| Average total loans | $190,337,000 | 2,308 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 1,732 |
| Cost of funding earning assets | 0.1654% | 3,373 |
| Net interest margin | 3.4698% | 1,393 |
| Noninterest income to average assets | 2.7482% | 168 |
| Noninterest expense to average assets | 4.8967% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9422% | 2,391 |
| Return on assets (ROA) | 0.9413% | 2,371 |
| Pretax return on assets | 0.9413% | 2,922 |
| Return on Equity (ROE) | 7.9692% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.9692% | 1,631 |
| Net charge-offs to loans | -0.0016% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8630% | 688 |
| Assets per employee ($millions) | 3.9927% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,028 |
| Loan loss allowance to noncurrent loans | 115.0641% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 517 |
| Noncurrent loans to loans | 0.9825% | 852 |
| Net loans and leases to total assets | 59.3452% | 2,403 |
| Net loans and leases to deposits | 67.1888% | 2,454 |
| Net loans and leases to core deposits | 68.7713% | 2,585 |
| Total domestic deposits to total assets | 88.3260% | 2,449 |
| Equity capital to assets | 10.6386% | 1,375 |
| Core capital (leverage) ratio | 13.6647% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6164% | 1,279 |
| Memoranda: | ||
| Average total assets | $418,163,333 | 1,982 |
| Average earning assets | $372,472,667 | 2,059 |
| Average equity | $49,390,333 | 1,698 |
| Average total loans | $251,167,000 | 1,939 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 1,638 |
| Cost of funding earning assets | 0.1722% | 3,192 |
| Net interest margin | 3.3817% | 1,346 |
| Noninterest income to average assets | 2.7014% | 172 |
| Noninterest expense to average assets | 5.2084% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4600% | 3,816 |
| Return on assets (ROA) | 0.4581% | 3,786 |
| Pretax return on assets | 0.4581% | 3,938 |
| Return on Equity (ROE) | 3.6919% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.6919% | 3,044 |
| Net charge-offs to loans | -0.0032% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8846% | 469 |
| Assets per employee ($millions) | 3.6080% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 3,113 |
| Loan loss allowance to noncurrent loans | 121.3863% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 547 |
| Noncurrent loans to loans | 0.9453% | 967 |
| Net loans and leases to total assets | 60.6841% | 1,992 |
| Net loans and leases to deposits | 71.5267% | 1,821 |
| Net loans and leases to core deposits | 73.4979% | 1,977 |
| Total domestic deposits to total assets | 84.8412% | 3,575 |
| Equity capital to assets | 11.9369% | 982 |
| Core capital (leverage) ratio | 12.7304% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2156% | 1,716 |
| Memoranda: | ||
| Average total assets | $415,633,000 | 1,995 |
| Average earning assets | $364,665,000 | 2,095 |
| Average equity | $51,573,000 | 1,694 |
| Average total loans | $249,733,000 | 1,939 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 1,232 |
| Cost of funding earning assets | 0.2264% | 3,181 |
| Net interest margin | 3.8306% | 951 |
| Noninterest income to average assets | 6.1255% | 95 |
| Noninterest expense to average assets | 7.4554% | 100 |
| Loan and lease loss provision to assets | -0.0344% | 4,289 |
| Net operating income to assets | 2.1810% | 253 |
| Return on assets (ROA) | 2.8454% | 115 |
| Pretax return on assets | 2.8454% | 167 |
| Return on Equity (ROE) | 23.7484% | 151 |
| Retained earnings to average equity (ytd only) | 14.6000% | 259 |
| Net charge-offs to loans | -0.0230% | 4,028 |
| Credit loss provision to net charge-offs | 230.7692% | 1,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6439% | 980 |
| Assets per employee ($millions) | 3.6832% | 4,538 |
| Cash dividends to net income (ytd only)* | 38.5222% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,124 |
| Loan loss allowance to noncurrent loans | 146.9534% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 699 |
| Noncurrent loans to loans | 0.7838% | 1,300 |
| Net loans and leases to total assets | 58.1526% | 2,361 |
| Net loans and leases to deposits | 69.5664% | 2,172 |
| Net loans and leases to core deposits | 71.6616% | 2,289 |
| Total domestic deposits to total assets | 83.5930% | 3,666 |
| Equity capital to assets | 12.8621% | 941 |
| Core capital (leverage) ratio | 12.2293% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2176% | 2,152 |
| Memoranda: | ||
| Average total assets | $436,635,800 | 1,876 |
| Average earning assets | $396,286,400 | 1,920 |
| Average equity | $52,315,000 | 1,696 |
| Average total loans | $282,460,200 | 1,778 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 1,488 |
| Cost of funding earning assets | 0.2351% | 3,262 |
| Net interest margin | 3.7874% | 1,141 |
| Noninterest income to average assets | 6.4800% | 95 |
| Noninterest expense to average assets | 7.3132% | 102 |
| Loan and lease loss provision to assets | 0.0302% | 2,389 |
| Net operating income to assets | 2.6429% | 184 |
| Return on assets (ROA) | 2.7951% | 151 |
| Pretax return on assets | 2.7951% | 229 |
| Return on Equity (ROE) | 23.7488% | 220 |
| Retained earnings to average equity (ytd only) | 11.4237% | 965 |
| Net charge-offs to loans | -0.0293% | 4,123 |
| Credit loss provision to net charge-offs | -156.2500% | 3,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2314% | 1,281 |
| Assets per employee ($millions) | 3.5588% | 4,620 |
| Cash dividends to net income (ytd only)* | 51.8976% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,420 |
| Loan loss allowance to noncurrent loans | 146.7074% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 794 |
| Noncurrent loans to loans | 0.7530% | 1,492 |
| Net loans and leases to total assets | 63.7899% | 1,795 |
| Net loans and leases to deposits | 77.4963% | 1,524 |
| Net loans and leases to core deposits | 80.1649% | 1,713 |
| Total domestic deposits to total assets | 82.3135% | 3,861 |
| Equity capital to assets | 12.4228% | 1,212 |
| Core capital (leverage) ratio | 11.4541% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2543% | 2,627 |
| Memoranda: | ||
| Average total assets | $439,904,000 | 1,890 |
| Average earning assets | $407,272,250 | 1,895 |
| Average equity | $51,774,000 | 1,730 |
| Average total loans | $290,779,500 | 1,771 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 1,326 |
| Cost of funding earning assets | 0.2583% | 3,205 |
| Net interest margin | 3.8516% | 1,065 |
| Noninterest income to average assets | 6.3110% | 95 |
| Noninterest expense to average assets | 7.5124% | 102 |
| Loan and lease loss provision to assets | 0.0454% | 2,106 |
| Net operating income to assets | 2.3203% | 274 |
| Return on assets (ROA) | 2.5482% | 221 |
| Pretax return on assets | 2.5482% | 332 |
| Return on Equity (ROE) | 22.0563% | 312 |
| Retained earnings to average equity (ytd only) | 9.3152% | 1,622 |
| Net charge-offs to loans | -0.0014% | 3,126 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0511% | 1,078 |
| Assets per employee ($millions) | 3.7152% | 4,599 |
| Cash dividends to net income (ytd only)* | 57.7663% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,624 |
| Loan loss allowance to noncurrent loans | 141.9026% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 877 |
| Noncurrent loans to loans | 0.7400% | 1,610 |
| Net loans and leases to total assets | 65.7275% | 1,715 |
| Net loans and leases to deposits | 83.6784% | 1,087 |
| Net loans and leases to core deposits | 87.3442% | 1,320 |
| Total domestic deposits to total assets | 78.5477% | 4,380 |
| Equity capital to assets | 11.9498% | 1,386 |
| Core capital (leverage) ratio | 11.1891% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1352% | 2,670 |
| Memoranda: | ||
| Average total assets | $440,629,000 | 1,877 |
| Average earning assets | $408,086,667 | 1,886 |
| Average equity | $50,906,000 | 1,747 |
| Average total loans | $293,590,667 | 1,769 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 429 |
| Cost of funding earning assets | 0.2842% | 3,154 |
| Net interest margin | 4.5944% | 317 |
| Noninterest income to average assets | 6.0786% | 105 |
| Noninterest expense to average assets | 8.0562% | 92 |
| Loan and lease loss provision to assets | 0.0905% | 1,465 |
| Net operating income to assets | 2.1768% | 433 |
| Return on assets (ROA) | 2.6314% | 238 |
| Pretax return on assets | 2.6314% | 364 |
| Return on Equity (ROE) | 23.1713% | 329 |
| Retained earnings to average equity (ytd only) | 4.0346% | 3,491 |
| Net charge-offs to loans | -0.0027% | 3,200 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0370% | 951 |
| Assets per employee ($millions) | 3.8350% | 4,568 |
| Cash dividends to net income (ytd only)* | 82.5877% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,507 |
| Loan loss allowance to noncurrent loans | 126.6473% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0650% | 764 |
| Noncurrent loans to loans | 0.8570% | 1,568 |
| Net loans and leases to total assets | 63.1513% | 2,152 |
| Net loans and leases to deposits | 79.7703% | 1,541 |
| Net loans and leases to core deposits | 83.6176% | 1,707 |
| Total domestic deposits to total assets | 79.1665% | 4,317 |
| Equity capital to assets | 11.1138% | 1,777 |
| Core capital (leverage) ratio | 11.0800% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0787% | 2,917 |
| Memoranda: | ||
| Average total assets | $441,747,500 | 1,865 |
| Average earning assets | $408,145,000 | 1,877 |
| Average equity | $50,165,500 | 1,756 |
| Average total loans | $294,785,000 | 1,771 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 595 |
| Cost of funding earning assets | 0.5235% | 2,793 |
| Net interest margin | 4.3773% | 424 |
| Noninterest income to average assets | 6.5621% | 92 |
| Noninterest expense to average assets | 6.6032% | 112 |
| Loan and lease loss provision to assets | 0.4137% | 729 |
| Net operating income to assets | 3.5766% | 68 |
| Return on assets (ROA) | 3.6672% | 66 |
| Pretax return on assets | 3.6672% | 81 |
| Return on Equity (ROE) | 32.4180% | 56 |
| Retained earnings to average equity (ytd only) | 18.3235% | 82 |
| Net charge-offs to loans | 0.2236% | 776 |
| Credit loss provision to net charge-offs | 265.1828% | 1,868 |
| Earnings coverage of net charge-offs (x) | 25.5803% | 1,739 |
| Efficiency ratio | 62.3326% | 3,069 |
| Assets per employee ($millions) | 4.0594% | 4,331 |
| Cash dividends to net income (ytd only)* | 43.4774% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 4,003 |
| Loan loss allowance to noncurrent loans | 104.2696% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 770 |
| Noncurrent loans to loans | 0.9201% | 1,531 |
| Net loans and leases to total assets | 68.9415% | 1,701 |
| Net loans and leases to deposits | 94.5343% | 625 |
| Net loans and leases to core deposits | 100.1494% | 890 |
| Total domestic deposits to total assets | 72.9275% | 4,681 |
| Equity capital to assets | 11.5977% | 1,811 |
| Core capital (leverage) ratio | 10.7976% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4869% | 3,093 |
| Memoranda: | ||
| Average total assets | $403,227,000 | 1,851 |
| Average earning assets | $371,371,400 | 1,869 |
| Average equity | $45,613,600 | 1,829 |
| Average total loans | $281,276,000 | 1,771 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 628 |
| Cost of funding earning assets | 0.5882% | 2,684 |
| Net interest margin | 4.3910% | 479 |
| Noninterest income to average assets | 6.0782% | 95 |
| Noninterest expense to average assets | 6.1935% | 122 |
| Loan and lease loss provision to assets | 0.5145% | 559 |
| Net operating income to assets | 3.4107% | 70 |
| Return on assets (ROA) | 3.5344% | 72 |
| Pretax return on assets | 3.5344% | 89 |
| Return on Equity (ROE) | 31.4680% | 52 |
| Retained earnings to average equity (ytd only) | 24.1780% | 55 |
| Net charge-offs to loans | 0.2467% | 619 |
| Credit loss provision to net charge-offs | 298.8189% | 1,765 |
| Earnings coverage of net charge-offs (x) | 22.7992% | 1,825 |
| Efficiency ratio | 61.2084% | 3,192 |
| Assets per employee ($millions) | 4.0991% | 4,238 |
| Cash dividends to net income (ytd only)* | 23.1662% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,846 |
| Loan loss allowance to noncurrent loans | 82.6320% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 669 |
| Noncurrent loans to loans | 1.1625% | 1,303 |
| Net loans and leases to total assets | 70.0919% | 1,939 |
| Net loans and leases to deposits | 91.9739% | 1,074 |
| Net loans and leases to core deposits | 98.9760% | 1,241 |
| Total domestic deposits to total assets | 76.2085% | 4,406 |
| Equity capital to assets | 11.7202% | 1,862 |
| Core capital (leverage) ratio | 10.4187% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3781% | 3,051 |
| Memoranda: | ||
| Average total assets | $393,415,000 | 1,866 |
| Average earning assets | $362,005,250 | 1,876 |
| Average equity | $44,187,750 | 1,862 |
| Average total loans | $274,594,000 | 1,795 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 496 |
| Cost of funding earning assets | 0.6723% | 2,540 |
| Net interest margin | 4.6098% | 406 |
| Noninterest income to average assets | 5.1353% | 102 |
| Noninterest expense to average assets | 5.5688% | 152 |
| Loan and lease loss provision to assets | 0.5631% | 578 |
| Net operating income to assets | 3.2355% | 70 |
| Return on assets (ROA) | 3.4270% | 66 |
| Pretax return on assets | 3.4270% | 81 |
| Return on Equity (ROE) | 31.0197% | 55 |
| Retained earnings to average equity (ytd only) | 21.0820% | 81 |
| Net charge-offs to loans | 0.3855% | 409 |
| Credit loss provision to net charge-offs | 210.3922% | 1,871 |
| Earnings coverage of net charge-offs (x) | 14.1922% | 1,955 |
| Efficiency ratio | 59.4487% | 3,494 |
| Assets per employee ($millions) | 4.1713% | 4,133 |
| Cash dividends to net income (ytd only)* | 32.0368% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,099 |
| Loan loss allowance to noncurrent loans | 58.9676% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.7085% | 489 |
| Noncurrent loans to loans | 1.4854% | 1,022 |
| Net loans and leases to total assets | 66.5887% | 2,548 |
| Net loans and leases to deposits | 86.1410% | 1,749 |
| Net loans and leases to core deposits | 93.6456% | 1,776 |
| Total domestic deposits to total assets | 77.3019% | 4,283 |
| Equity capital to assets | 10.9281% | 2,410 |
| Core capital (leverage) ratio | 10.6238% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5609% | 2,787 |
| Memoranda: | ||
| Average total assets | $381,086,000 | 1,889 |
| Average earning assets | $349,866,667 | 1,898 |
| Average equity | $42,102,333 | 1,916 |
| Average total loans | $264,591,000 | 1,820 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,847 |
| Cost of funding earning assets | 0.7424% | 2,711 |
| Net interest margin | 3.9098% | 1,649 |
| Noninterest income to average assets | 4.0922% | 106 |
| Noninterest expense to average assets | 5.2258% | 199 |
| Loan and lease loss provision to assets | 0.2903% | 1,069 |
| Net operating income to assets | 2.1652% | 195 |
| Return on assets (ROA) | 2.5697% | 105 |
| Pretax return on assets | 2.5697% | 147 |
| Return on Equity (ROE) | 23.1129% | 95 |
| Retained earnings to average equity (ytd only) | 10.1561% | 715 |
| Net charge-offs to loans | 0.1378% | 908 |
| Credit loss provision to net charge-offs | 297.7273% | 1,193 |
| Earnings coverage of net charge-offs (x) | 25.1818% | 1,290 |
| Efficiency ratio | 68.0323% | 2,661 |
| Assets per employee ($millions) | 3.6268% | 4,358 |
| Cash dividends to net income (ytd only)* | 56.0586% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 4,386 |
| Loan loss allowance to noncurrent loans | 50.8392% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 403 |
| Noncurrent loans to loans | 1.5965% | 980 |
| Net loans and leases to total assets | 70.4233% | 2,184 |
| Net loans and leases to deposits | 86.1099% | 1,984 |
| Net loans and leases to core deposits | 96.6423% | 1,737 |
| Total domestic deposits to total assets | 81.7830% | 3,476 |
| Equity capital to assets | 11.2473% | 2,641 |
| Core capital (leverage) ratio | 10.5446% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9850% | 3,330 |
| Memoranda: | ||
| Average total assets | $360,979,000 | 1,919 |
| Average earning assets | $331,371,500 | 1,928 |
| Average equity | $40,133,500 | 1,982 |
| Average total loans | $255,378,000 | 1,826 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 2,304 |
| Cost of funding earning assets | 0.7725% | 2,820 |
| Net interest margin | 3.9333% | 2,058 |
| Noninterest income to average assets | 2.8214% | 168 |
| Noninterest expense to average assets | 4.9040% | 228 |
| Loan and lease loss provision to assets | 0.0779% | 2,438 |
| Net operating income to assets | 1.4336% | 1,232 |
| Return on assets (ROA) | 1.5080% | 1,096 |
| Pretax return on assets | 1.5109% | 1,775 |
| Return on Equity (ROE) | 14.0550% | 885 |
| Retained earnings to average equity (ytd only) | 6.3312% | 1,700 |
| Net charge-offs to loans | 0.1037% | 1,694 |
| Credit loss provision to net charge-offs | 107.1429% | 2,319 |
| Earnings coverage of net charge-offs (x) | 20.8333% | 1,917 |
| Efficiency ratio | 76.4056% | 1,317 |
| Assets per employee ($millions) | 3.7039% | 4,265 |
| Cash dividends to net income (ytd only)* | 54.9541% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 4,428 |
| Loan loss allowance to noncurrent loans | 183.3493% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 1,107 |
| Noncurrent loans to loans | 0.4126% | 2,963 |
| Net loans and leases to total assets | 69.9566% | 2,399 |
| Net loans and leases to deposits | 87.9289% | 1,857 |
| Net loans and leases to core deposits | 97.5486% | 1,769 |
| Total domestic deposits to total assets | 79.5604% | 4,060 |
| Equity capital to assets | 10.9874% | 3,008 |
| Core capital (leverage) ratio | 10.2625% | 3,227 |
| Tier 1 risk-based capital ratio | 11.7687% | 4,488 |
| Total risk-based capital ratio | 12.4002% | 4,688 |
| Memoranda: | ||
| Average total assets | $346,677,600 | 1,924 |
| Average earning assets | $317,038,000 | 1,934 |
| Average equity | $37,196,800 | 2,048 |
| Average total loans | $243,080,400 | 1,869 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 2,672 |
| Cost of funding earning assets | 0.7662% | 2,887 |
| Net interest margin | 3.8490% | 2,440 |
| Noninterest income to average assets | 2.7064% | 176 |
| Noninterest expense to average assets | 4.7611% | 250 |
| Loan and lease loss provision to assets | 0.0349% | 3,199 |
| Net operating income to assets | 1.4236% | 1,402 |
| Return on assets (ROA) | 1.4438% | 1,398 |
| Pretax return on assets | 1.4477% | 2,126 |
| Return on Equity (ROE) | 13.5415% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.2091% | 2,792 |
| Net charge-offs to loans | -0.0355% | 4,750 |
| Credit loss provision to net charge-offs | -140.6250% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5014% | 1,271 |
| Assets per employee ($millions) | 3.7560% | 4,211 |
| Cash dividends to net income (ytd only)* | 61.5321% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,394 |
| Loan loss allowance to noncurrent loans | 242.8402% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 1,373 |
| Noncurrent loans to loans | 0.3318% | 3,347 |
| Net loans and leases to total assets | 70.0659% | 2,460 |
| Net loans and leases to deposits | 88.2492% | 1,901 |
| Net loans and leases to core deposits | 97.6511% | 1,849 |
| Total domestic deposits to total assets | 79.3955% | 4,097 |
| Equity capital to assets | 10.8747% | 3,226 |
| Core capital (leverage) ratio | 10.1081% | 3,525 |
| Tier 1 risk-based capital ratio | 11.9375% | 4,444 |
| Total risk-based capital ratio | 12.6418% | 4,620 |
| Memoranda: | ||
| Average total assets | $343,528,500 | 1,942 |
| Average earning assets | $313,910,500 | 1,954 |
| Average equity | $36,627,250 | 2,081 |
| Average total loans | $240,537,500 | 1,893 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 2,994 |
| Cost of funding earning assets | 0.7404% | 2,942 |
| Net interest margin | 3.7668% | 2,705 |
| Noninterest income to average assets | 2.4117% | 208 |
| Noninterest expense to average assets | 4.5050% | 303 |
| Loan and lease loss provision to assets | 0.0355% | 3,114 |
| Net operating income to assets | 1.3018% | 1,764 |
| Return on assets (ROA) | 1.3018% | 1,829 |
| Pretax return on assets | 1.3077% | 2,538 |
| Return on Equity (ROE) | 12.2966% | 1,476 |
| Retained earnings to average equity (ytd only) | 1.2190% | 4,373 |
| Net charge-offs to loans | -0.0543% | 4,846 |
| Credit loss provision to net charge-offs | -93.7500% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0321% | 1,266 |
| Assets per employee ($millions) | 3.5633% | 4,427 |
| Cash dividends to net income (ytd only)* | 90.0864% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 4,315 |
| Loan loss allowance to noncurrent loans | 264.3137% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 1,343 |
| Noncurrent loans to loans | 0.3165% | 3,403 |
| Net loans and leases to total assets | 69.3543% | 2,621 |
| Net loans and leases to deposits | 87.6170% | 2,051 |
| Net loans and leases to core deposits | 92.7191% | 2,345 |
| Total domestic deposits to total assets | 79.1562% | 4,192 |
| Equity capital to assets | 10.8119% | 3,259 |
| Core capital (leverage) ratio | 10.1312% | 3,473 |
| Tier 1 risk-based capital ratio | 12.6004% | 4,075 |
| Total risk-based capital ratio | 13.3595% | 4,241 |
| Memoranda: | ||
| Average total assets | $337,847,330 | 1,972 |
| Average earning assets | $308,222,000 | 1,994 |
| Average equity | $35,766,000 | 2,108 |
| Average total loans | $235,820,000 | 1,935 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 3,143 |
| Cost of funding earning assets | 0.7023% | 3,042 |
| Net interest margin | 3.7185% | 2,821 |
| Noninterest income to average assets | 2.0290% | 242 |
| Noninterest expense to average assets | 4.2964% | 365 |
| Loan and lease loss provision to assets | 0.0359% | 2,903 |
| Net operating income to assets | 1.0648% | 2,601 |
| Return on assets (ROA) | 1.0648% | 2,652 |
| Pretax return on assets | 1.0768% | 3,215 |
| Return on Equity (ROE) | 10.1705% | 2,291 |
| Retained earnings to average equity (ytd only) | -5.4227% | 4,944 |
| Net charge-offs to loans | -0.1065% | 5,040 |
| Credit loss provision to net charge-offs | -48.3871% | 3,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4287% | 1,112 |
| Assets per employee ($millions) | 3.3643% | 4,687 |
| Cash dividends to net income (ytd only)* | 153.3183% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,303 |
| Loan loss allowance to noncurrent loans | 96.0425% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 657 |
| Noncurrent loans to loans | 0.8948% | 1,864 |
| Net loans and leases to total assets | 68.9251% | 2,635 |
| Net loans and leases to deposits | 82.4899% | 2,564 |
| Net loans and leases to core deposits | 87.0914% | 2,770 |
| Total domestic deposits to total assets | 83.5558% | 3,200 |
| Equity capital to assets | 10.5781% | 3,274 |
| Core capital (leverage) ratio | 10.0617% | 3,534 |
| Tier 1 risk-based capital ratio | 12.7154% | 4,033 |
| Total risk-based capital ratio | 13.4851% | 4,201 |
| Memoranda: | ||
| Average total assets | $333,952,500 | 2,003 |
| Average earning assets | $303,566,000 | 2,032 |
| Average equity | $34,964,000 | 2,143 |
| Average total loans | $232,862,000 | 1,972 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 2,952 |
| Cost of funding earning assets | 0.6085% | 2,657 |
| Net interest margin | 3.7345% | 2,924 |
| Noninterest income to average assets | 2.7257% | 175 |
| Noninterest expense to average assets | 4.5130% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6155% | 838 |
| Return on assets (ROA) | 1.5623% | 956 |
| Pretax return on assets | 1.5605% | 1,590 |
| Return on Equity (ROE) | 15.8990% | 652 |
| Retained earnings to average equity (ytd only) | 9.6686% | 690 |
| Net charge-offs to loans | 0.1421% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 16.2545% | 2,260 |
| Efficiency ratio | 73.5085% | 1,702 |
| Assets per employee ($millions) | 3.4879% | 4,557 |
| Cash dividends to net income (ytd only)* | 39.1874% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 4,500 |
| Loan loss allowance to noncurrent loans | 202.3454% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3828% | 894 |
| Noncurrent loans to loans | 0.4006% | 3,093 |
| Net loans and leases to total assets | 69.3677% | 2,682 |
| Net loans and leases to deposits | 85.7528% | 2,304 |
| Net loans and leases to core deposits | 89.4013% | 2,618 |
| Total domestic deposits to total assets | 80.8926% | 3,914 |
| Equity capital to assets | 10.3620% | 3,317 |
| Core capital (leverage) ratio | 10.2935% | 3,253 |
| Tier 1 risk-based capital ratio | 11.2272% | 4,848 |
| Total risk-based capital ratio | 11.8662% | 5,032 |
| Memoranda: | ||
| Average total assets | $332,396,600 | 1,975 |
| Average earning assets | $302,720,200 | 2,008 |
| Average equity | $32,662,400 | 2,173 |
| Average total loans | $232,196,600 | 1,934 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,966 |
| Cost of funding earning assets | 0.5877% | 2,564 |
| Net interest margin | 3.7114% | 2,977 |
| Noninterest income to average assets | 2.8206% | 173 |
| Noninterest expense to average assets | 4.5968% | 268 |
| Loan and lease loss provision to assets | 0.0723% | 2,513 |
| Net operating income to assets | 1.5415% | 1,089 |
| Return on assets (ROA) | 1.5415% | 1,088 |
| Pretax return on assets | 1.5391% | 1,771 |
| Return on Equity (ROE) | 15.9064% | 709 |
| Retained earnings to average equity (ytd only) | 7.8827% | 1,707 |
| Net charge-offs to loans | 0.0869% | 1,635 |
| Credit loss provision to net charge-offs | 119.2053% | 1,994 |
| Earnings coverage of net charge-offs (x) | 26.5561% | 1,739 |
| Efficiency ratio | 73.8430% | 1,617 |
| Assets per employee ($millions) | 3.3234% | 4,752 |
| Cash dividends to net income (ytd only)* | 50.4432% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,054 |
| Loan loss allowance to noncurrent loans | 239.0890% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 842 |
| Noncurrent loans to loans | 0.3965% | 3,233 |
| Net loans and leases to total assets | 70.9512% | 2,503 |
| Net loans and leases to deposits | 87.1586% | 2,246 |
| Net loans and leases to core deposits | 91.2909% | 2,542 |
| Total domestic deposits to total assets | 81.4047% | 3,765 |
| Equity capital to assets | 9.8514% | 3,780 |
| Core capital (leverage) ratio | 9.8298% | 3,820 |
| Tier 1 risk-based capital ratio | 11.9043% | 4,554 |
| Total risk-based capital ratio | 12.7416% | 4,679 |
| Memoranda: | ||
| Average total assets | $331,786,000 | 1,991 |
| Average earning assets | $302,845,250 | 2,022 |
| Average equity | $32,154,000 | 2,208 |
| Average total loans | $231,703,750 | 1,941 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2422% | 2,973 |
| Cost of funding earning assets | 0.5619% | 2,503 |
| Net interest margin | 3.6803% | 3,009 |
| Noninterest income to average assets | 2.6061% | 197 |
| Noninterest expense to average assets | 4.4626% | 305 |
| Loan and lease loss provision to assets | 0.0724% | 2,439 |
| Net operating income to assets | 1.4246% | 1,354 |
| Return on assets (ROA) | 1.4246% | 1,357 |
| Pretax return on assets | 1.4210% | 2,082 |
| Return on Equity (ROE) | 14.7816% | 895 |
| Retained earnings to average equity (ytd only) | 5.2568% | 2,956 |
| Net charge-offs to loans | 0.1324% | 1,130 |
| Credit loss provision to net charge-offs | 78.9474% | 2,266 |
| Earnings coverage of net charge-offs (x) | 16.2895% | 2,003 |
| Efficiency ratio | 74.6127% | 1,623 |
| Assets per employee ($millions) | 3.2755% | 4,845 |
| Cash dividends to net income (ytd only)* | 64.4369% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,188 |
| Loan loss allowance to noncurrent loans | 195.7219% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 841 |
| Noncurrent loans to loans | 0.4770% | 3,006 |
| Net loans and leases to total assets | 69.7515% | 2,614 |
| Net loans and leases to deposits | 88.0803% | 2,101 |
| Net loans and leases to core deposits | 92.4891% | 2,357 |
| Total domestic deposits to total assets | 79.1908% | 4,397 |
| Equity capital to assets | 9.5991% | 4,004 |
| Core capital (leverage) ratio | 9.4632% | 4,153 |
| Tier 1 risk-based capital ratio | 12.2869% | 4,321 |
| Total risk-based capital ratio | 13.1564% | 4,437 |
| Memoranda: | ||
| Average total assets | $331,602,330 | 2,001 |
| Average earning assets | $301,821,000 | 2,036 |
| Average equity | $31,958,670 | 2,226 |
| Average total loans | $229,587,000 | 1,956 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,843 |
| Cost of funding earning assets | 0.5359% | 2,505 |
| Net interest margin | 3.6789% | 2,888 |
| Noninterest income to average assets | 2.3478% | 217 |
| Noninterest expense to average assets | 4.3735% | 328 |
| Loan and lease loss provision to assets | 0.0726% | 2,309 |
| Net operating income to assets | 1.2423% | 1,837 |
| Return on assets (ROA) | 1.2423% | 1,848 |
| Pretax return on assets | 1.2350% | 2,619 |
| Return on Equity (ROE) | 12.8642% | 1,307 |
| Retained earnings to average equity (ytd only) | 4.1501% | 3,537 |
| Net charge-offs to loans | 0.0141% | 2,260 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 480 |
| Efficiency ratio | 76.5985% | 1,502 |
| Assets per employee ($millions) | 3.3501% | 4,845 |
| Cash dividends to net income (ytd only)* | 67.7388% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,936 |
| Loan loss allowance to noncurrent loans | 186.7322% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.6564% | 796 |
| Noncurrent loans to loans | 0.5370% | 2,912 |
| Net loans and leases to total assets | 68.5589% | 2,690 |
| Net loans and leases to deposits | 86.0901% | 2,158 |
| Net loans and leases to core deposits | 89.3965% | 2,503 |
| Total domestic deposits to total assets | 79.6361% | 4,473 |
| Equity capital to assets | 9.6028% | 3,992 |
| Core capital (leverage) ratio | 9.4394% | 4,139 |
| Tier 1 risk-based capital ratio | 12.6401% | 4,147 |
| Total risk-based capital ratio | 13.5848% | 4,246 |
| Memoranda: | ||
| Average total assets | $330,352,000 | 2,015 |
| Average earning assets | $299,326,000 | 2,066 |
| Average equity | $31,902,500 | 2,245 |
| Average total loans | $226,761,500 | 1,984 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,624 |
| Cost of funding earning assets | 0.4335% | 2,926 |
| Net interest margin | 3.7829% | 2,490 |
| Noninterest income to average assets | 2.6798% | 201 |
| Noninterest expense to average assets | 4.8940% | 232 |
| Loan and lease loss provision to assets | 0.0380% | 3,505 |
| Net operating income to assets | 1.1846% | 1,565 |
| Return on assets (ROA) | 1.1570% | 1,687 |
| Pretax return on assets | 1.1602% | 2,941 |
| Return on Equity (ROE) | 11.7130% | 1,285 |
| Retained earnings to average equity (ytd only) | 5.0689% | 2,083 |
| Net charge-offs to loans | 0.0563% | 2,681 |
| Credit loss provision to net charge-offs | 102.5641% | 2,494 |
| Earnings coverage of net charge-offs (x) | 33.0598% | 1,447 |
| Efficiency ratio | 79.5868% | 1,145 |
| Assets per employee ($millions) | 2.9678% | 5,219 |
| Cash dividends to net income (ytd only)* | 56.7242% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 4,027 |
| Loan loss allowance to noncurrent loans | 194.0767% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 636 |
| Noncurrent loans to loans | 0.5076% | 2,996 |
| Net loans and leases to total assets | 67.3686% | 2,906 |
| Net loans and leases to deposits | 86.1447% | 2,245 |
| Net loans and leases to core deposits | 89.0876% | 2,647 |
| Total domestic deposits to total assets | 78.2040% | 4,685 |
| Equity capital to assets | 9.7108% | 4,019 |
| Core capital (leverage) ratio | 9.2800% | 4,315 |
| Tier 1 risk-based capital ratio | 11.9051% | 4,593 |
| Total risk-based capital ratio | 12.7844% | 4,726 |
| Memoranda: | ||
| Average total assets | $315,550,000 | 2,090 |
| Average earning assets | $286,947,000 | 2,117 |
| Average equity | $31,170,600 | 2,283 |
| Average total loans | $207,838,800 | 2,100 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 2,612 |
| Cost of funding earning assets | 0.4089% | 3,102 |
| Net interest margin | 3.7925% | 2,435 |
| Noninterest income to average assets | 2.7009% | 212 |
| Noninterest expense to average assets | 4.8996% | 234 |
| Loan and lease loss provision to assets | 0.0385% | 3,336 |
| Net operating income to assets | 1.2141% | 1,631 |
| Return on assets (ROA) | 1.2445% | 1,556 |
| Pretax return on assets | 1.2488% | 2,715 |
| Return on Equity (ROE) | 12.5416% | 1,176 |
| Retained earnings to average equity (ytd only) | 5.0537% | 2,852 |
| Net charge-offs to loans | 0.0315% | 2,802 |
| Credit loss provision to net charge-offs | 187.5000% | 1,415 |
| Earnings coverage of net charge-offs (x) | 61.1444% | 980 |
| Efficiency ratio | 79.2014% | 1,187 |
| Assets per employee ($millions) | 2.9173% | 5,317 |
| Cash dividends to net income (ytd only)* | 59.7042% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,717 |
| Loan loss allowance to noncurrent loans | 161.1230% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 2.0061% | 642 |
| Noncurrent loans to loans | 0.6596% | 2,722 |
| Net loans and leases to total assets | 65.1760% | 3,220 |
| Net loans and leases to deposits | 83.6001% | 2,604 |
| Net loans and leases to core deposits | 86.3703% | 2,932 |
| Total domestic deposits to total assets | 77.9616% | 4,734 |
| Equity capital to assets | 9.9720% | 3,942 |
| Core capital (leverage) ratio | 9.5268% | 4,130 |
| Tier 1 risk-based capital ratio | 12.2453% | 4,468 |
| Total risk-based capital ratio | 13.1788% | 4,555 |
| Memoranda: | ||
| Average total assets | $311,339,500 | 2,123 |
| Average earning assets | $283,672,500 | 2,152 |
| Average equity | $30,893,750 | 2,312 |
| Average total loans | $203,259,500 | 2,143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,225 |
| Cost of funding earning assets | 0.3956% | 3,120 |
| Net interest margin | 3.8742% | 2,021 |
| Noninterest income to average assets | 2.4832% | 230 |
| Noninterest expense to average assets | 4.9300% | 228 |
| Loan and lease loss provision to assets | 0.0391% | 3,235 |
| Net operating income to assets | 1.0398% | 2,251 |
| Return on assets (ROA) | 1.0398% | 2,291 |
| Pretax return on assets | 1.0463% | 3,382 |
| Return on Equity (ROE) | 10.4969% | 1,828 |
| Retained earnings to average equity (ytd only) | 3.4639% | 3,646 |
| Net charge-offs to loans | 0.1000% | 1,621 |
| Credit loss provision to net charge-offs | 60.0000% | 2,465 |
| Earnings coverage of net charge-offs (x) | 16.6700% | 1,970 |
| Efficiency ratio | 81.5564% | 1,047 |
| Assets per employee ($millions) | 3.0276% | 5,244 |
| Cash dividends to net income (ytd only)* | 67.0006% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,781 |
| Loan loss allowance to noncurrent loans | 182.5397% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 2.0379% | 615 |
| Noncurrent loans to loans | 0.5817% | 2,987 |
| Net loans and leases to total assets | 65.2862% | 3,216 |
| Net loans and leases to deposits | 84.7970% | 2,375 |
| Net loans and leases to core deposits | 86.8817% | 2,804 |
| Total domestic deposits to total assets | 76.9912% | 4,957 |
| Equity capital to assets | 10.2010% | 3,667 |
| Core capital (leverage) ratio | 9.4349% | 4,193 |
| Tier 1 risk-based capital ratio | 13.3011% | 3,797 |
| Total risk-based capital ratio | 14.3005% | 3,883 |
| Memoranda: | ||
| Average total assets | $307,180,330 | 2,150 |
| Average earning assets | $280,056,330 | 2,172 |
| Average equity | $30,428,000 | 2,343 |
| Average total loans | $199,906,670 | 2,166 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 2,073 |
| Cost of funding earning assets | 0.3766% | 3,236 |
| Net interest margin | 3.8825% | 1,843 |
| Noninterest income to average assets | 1.8895% | 333 |
| Noninterest expense to average assets | 4.7144% | 287 |
| Loan and lease loss provision to assets | 0.0394% | 3,016 |
| Net operating income to assets | 0.6534% | 3,919 |
| Return on assets (ROA) | 0.6534% | 3,955 |
| Pretax return on assets | 0.6666% | 4,540 |
| Return on Equity (ROE) | 6.6988% | 3,552 |
| Retained earnings to average equity (ytd only) | -3.3898% | 5,285 |
| Net charge-offs to loans | 0.2112% | 833 |
| Credit loss provision to net charge-offs | 28.8462% | 2,118 |
| Earnings coverage of net charge-offs (x) | 5.1731% | 2,312 |
| Efficiency ratio | 86.5408% | 758 |
| Assets per employee ($millions) | 3.1819% | 5,186 |
| Cash dividends to net income (ytd only)* | 150.6024% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,906 |
| Loan loss allowance to noncurrent loans | 189.0158% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 586 |
| Noncurrent loans to loans | 0.5633% | 3,118 |
| Net loans and leases to total assets | 64.7641% | 3,157 |
| Net loans and leases to deposits | 81.1499% | 2,611 |
| Net loans and leases to core deposits | 83.0446% | 2,990 |
| Total domestic deposits to total assets | 79.8081% | 4,657 |
| Equity capital to assets | 9.6393% | 4,141 |
| Core capital (leverage) ratio | 9.4464% | 4,181 |
| Tier 1 risk-based capital ratio | 12.8689% | 4,160 |
| Total risk-based capital ratio | 13.8475% | 4,236 |
| Memoranda: | ||
| Average total assets | $304,850,000 | 2,184 |
| Average earning assets | $277,242,500 | 2,205 |
| Average equity | $29,736,500 | 2,400 |
| Average total loans | $196,973,000 | 2,207 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,025 |
| Cost of funding earning assets | 0.3507% | 3,510 |
| Net interest margin | 3.6982% | 2,699 |
| Noninterest income to average assets | 2.6949% | 233 |
| Noninterest expense to average assets | 4.9831% | 261 |
| Loan and lease loss provision to assets | -0.1469% | 5,741 |
| Net operating income to assets | 1.1953% | 1,530 |
| Return on assets (ROA) | 1.2014% | 1,591 |
| Pretax return on assets | 1.2047% | 2,649 |
| Return on Equity (ROE) | 11.7963% | 1,315 |
| Retained earnings to average equity (ytd only) | 6.5450% | 1,433 |
| Net charge-offs to loans | 0.1170% | 2,087 |
| Credit loss provision to net charge-offs | -213.7255% | 5,016 |
| Earnings coverage of net charge-offs (x) | 15.2990% | 2,217 |
| Efficiency ratio | 82.1588% | 1,186 |
| Assets per employee ($millions) | 3.1690% | 5,195 |
| Cash dividends to net income (ytd only)* | 44.5161% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,374 |
| Loan loss allowance to noncurrent loans | 193.3102% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 2.3823% | 516 |
| Noncurrent loans to loans | 0.5998% | 3,052 |
| Net loans and leases to total assets | 63.0047% | 3,481 |
| Net loans and leases to deposits | 78.6043% | 3,030 |
| Net loans and leases to core deposits | 80.5641% | 3,344 |
| Total domestic deposits to total assets | 80.1543% | 4,541 |
| Equity capital to assets | 9.8725% | 3,856 |
| Core capital (leverage) ratio | 9.4515% | 4,154 |
| Tier 1 risk-based capital ratio | 12.4539% | 4,404 |
| Total risk-based capital ratio | 13.4247% | 4,472 |
| Memoranda: | ||
| Average total assets | $296,743,600 | 2,184 |
| Average earning assets | $267,998,800 | 2,231 |
| Average equity | $30,221,400 | 2,336 |
| Average total loans | $174,291,200 | 2,371 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,167 |
| Cost of funding earning assets | 0.3399% | 3,653 |
| Net interest margin | 3.6753% | 2,813 |
| Noninterest income to average assets | 2.7431% | 232 |
| Noninterest expense to average assets | 5.0254% | 261 |
| Loan and lease loss provision to assets | -0.1966% | 5,866 |
| Net operating income to assets | 1.2257% | 1,537 |
| Return on assets (ROA) | 1.2559% | 1,539 |
| Pretax return on assets | 1.2604% | 2,573 |
| Return on Equity (ROE) | 12.2362% | 1,255 |
| Retained earnings to average equity (ytd only) | 5.2635% | 2,653 |
| Net charge-offs to loans | -0.0337% | 5,210 |
| Credit loss provision to net charge-offs | 1,013.9535% | 394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5618% | 1,120 |
| Assets per employee ($millions) | 3.3127% | 5,029 |
| Cash dividends to net income (ytd only)* | 56.9839% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,474 |
| Loan loss allowance to noncurrent loans | 148.3794% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 2.6081% | 510 |
| Noncurrent loans to loans | 0.9048% | 2,436 |
| Net loans and leases to total assets | 58.9645% | 3,995 |
| Net loans and leases to deposits | 75.0037% | 3,500 |
| Net loans and leases to core deposits | 76.8582% | 3,766 |
| Total domestic deposits to total assets | 78.6154% | 4,805 |
| Equity capital to assets | 10.2846% | 3,820 |
| Core capital (leverage) ratio | 9.2594% | 4,519 |
| Tier 1 risk-based capital ratio | 12.6791% | 4,352 |
| Total risk-based capital ratio | 13.8085% | 4,346 |
| Memoranda: | ||
| Average total assets | $295,665,250 | 2,197 |
| Average earning assets | $266,745,000 | 2,242 |
| Average equity | $30,346,250 | 2,345 |
| Average total loans | $169,887,750 | 2,418 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,479 |
| Cost of funding earning assets | 0.3252% | 3,844 |
| Net interest margin | 3.6109% | 3,056 |
| Noninterest income to average assets | 2.6131% | 242 |
| Noninterest expense to average assets | 4.8222% | 297 |
| Loan and lease loss provision to assets | -0.0247% | 5,792 |
| Net operating income to assets | 1.0616% | 2,115 |
| Return on assets (ROA) | 1.0942% | 2,103 |
| Pretax return on assets | 1.1011% | 3,193 |
| Return on Equity (ROE) | 10.6689% | 1,779 |
| Retained earnings to average equity (ytd only) | 1.8595% | 4,623 |
| Net charge-offs to loans | -0.0254% | 5,048 |
| Credit loss provision to net charge-offs | 171.4286% | 1,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7076% | 1,306 |
| Assets per employee ($millions) | 3.1647% | 5,256 |
| Cash dividends to net income (ytd only)* | 82.5705% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 1,456 |
| Loan loss allowance to noncurrent loans | 160.8352% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 2.8286% | 443 |
| Noncurrent loans to loans | 1.0107% | 2,265 |
| Net loans and leases to total assets | 57.3688% | 4,181 |
| Net loans and leases to deposits | 75.4347% | 3,445 |
| Net loans and leases to core deposits | 77.5892% | 3,675 |
| Total domestic deposits to total assets | 76.0509% | 5,278 |
| Equity capital to assets | 10.3121% | 3,844 |
| Core capital (leverage) ratio | 9.1510% | 4,661 |
| Tier 1 risk-based capital ratio | 12.7290% | 4,365 |
| Total risk-based capital ratio | 13.9805% | 4,268 |
| Memoranda: | ||
| Average total assets | $291,526,330 | 2,233 |
| Average earning assets | $262,595,000 | 2,278 |
| Average equity | $29,900,000 | 2,377 |
| Average total loans | $165,140,000 | 2,474 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 3,509 |
| Cost of funding earning assets | 0.3229% | 3,913 |
| Net interest margin | 3.5974% | 3,090 |
| Noninterest income to average assets | 1.8887% | 368 |
| Noninterest expense to average assets | 4.5023% | 395 |
| Loan and lease loss provision to assets | 0.1045% | 1,960 |
| Net operating income to assets | 0.4980% | 4,634 |
| Return on assets (ROA) | 0.5102% | 4,697 |
| Pretax return on assets | 0.5241% | 5,021 |
| Return on Equity (ROE) | 4.9883% | 4,488 |
| Retained earnings to average equity (ytd only) | -5.5880% | 5,632 |
| Net charge-offs to loans | -0.0200% | 4,858 |
| Credit loss provision to net charge-offs | -937.5000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4728% | 851 |
| Assets per employee ($millions) | 3.0826% | 5,422 |
| Cash dividends to net income (ytd only)* | 212.0219% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 1,082 |
| Loan loss allowance to noncurrent loans | 139.3853% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 3.3717% | 349 |
| Noncurrent loans to loans | 1.3176% | 1,813 |
| Net loans and leases to total assets | 54.9646% | 4,357 |
| Net loans and leases to deposits | 67.0495% | 4,152 |
| Net loans and leases to core deposits | 69.0888% | 4,310 |
| Total domestic deposits to total assets | 81.9761% | 4,240 |
| Equity capital to assets | 10.3003% | 3,744 |
| Core capital (leverage) ratio | 9.2233% | 4,572 |
| Tier 1 risk-based capital ratio | 13.2412% | 4,124 |
| Total risk-based capital ratio | 14.4941% | 4,051 |
| Memoranda: | ||
| Average total assets | $286,966,500 | 2,263 |
| Average earning assets | $257,628,500 | 2,328 |
| Average equity | $29,348,500 | 2,410 |
| Average total loans | $160,046,500 | 2,527 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 2,717 |
| Cost of funding earning assets | 0.3310% | 3,897 |
| Net interest margin | 3.8244% | 2,289 |
| Noninterest income to average assets | 1.7897% | 416 |
| Noninterest expense to average assets | 4.3848% | 438 |
| Loan and lease loss provision to assets | -0.1233% | 5,888 |
| Net operating income to assets | 0.9646% | 2,553 |
| Return on assets (ROA) | 0.9913% | 2,504 |
| Pretax return on assets | 0.9948% | 3,495 |
| Return on Equity (ROE) | 9.9534% | 2,028 |
| Retained earnings to average equity (ytd only) | 8.1696% | 859 |
| Net charge-offs to loans | 0.4804% | 558 |
| Credit loss provision to net charge-offs | -44.5443% | 5,046 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 3,785 |
| Efficiency ratio | 83.3413% | 1,244 |
| Assets per employee ($millions) | 3.3017% | 5,151 |
| Cash dividends to net income (ytd only)* | 17.9211% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 1,139 |
| Loan loss allowance to noncurrent loans | 165.7027% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 3.2637% | 387 |
| Noncurrent loans to loans | 1.0835% | 2,174 |
| Net loans and leases to total assets | 54.5538% | 4,443 |
| Net loans and leases to deposits | 67.4618% | 4,178 |
| Net loans and leases to core deposits | 69.4697% | 4,337 |
| Total domestic deposits to total assets | 80.8663% | 4,522 |
| Equity capital to assets | 10.1542% | 3,801 |
| Core capital (leverage) ratio | 9.2636% | 4,527 |
| Tier 1 risk-based capital ratio | 13.6452% | 3,921 |
| Total risk-based capital ratio | 14.8978% | 3,851 |
| Memoranda: | ||
| Average total assets | $281,450,800 | 2,259 |
| Average earning assets | $253,162,000 | 2,320 |
| Average equity | $28,030,600 | 2,458 |
| Average total loans | $162,161,200 | 2,440 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 2,735 |
| Cost of funding earning assets | 0.3375% | 3,893 |
| Net interest margin | 3.8173% | 2,319 |
| Noninterest income to average assets | 1.8019% | 413 |
| Noninterest expense to average assets | 4.3394% | 463 |
| Loan and lease loss provision to assets | 0.0476% | 3,254 |
| Net operating income to assets | 0.8470% | 3,183 |
| Return on assets (ROA) | 0.8838% | 3,105 |
| Pretax return on assets | 0.8885% | 4,019 |
| Return on Equity (ROE) | 8.9187% | 2,619 |
| Retained earnings to average equity (ytd only) | 6.5160% | 1,948 |
| Net charge-offs to loans | 0.5700% | 401 |
| Credit loss provision to net charge-offs | 14.3678% | 3,414 |
| Earnings coverage of net charge-offs (x) | 2.7126% | 3,613 |
| Efficiency ratio | 82.3380% | 1,351 |
| Assets per employee ($millions) | 3.5516% | 4,697 |
| Cash dividends to net income (ytd only)* | 26.9397% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 826 |
| Loan loss allowance to noncurrent loans | 144.8379% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 3.5192% | 366 |
| Noncurrent loans to loans | 1.4274% | 1,767 |
| Net loans and leases to total assets | 54.5568% | 4,505 |
| Net loans and leases to deposits | 66.4506% | 4,343 |
| Net loans and leases to core deposits | 68.4176% | 4,508 |
| Total domestic deposits to total assets | 82.1013% | 4,130 |
| Equity capital to assets | 9.6095% | 4,624 |
| Core capital (leverage) ratio | 9.0745% | 4,910 |
| Tier 1 risk-based capital ratio | 13.0553% | 4,401 |
| Total risk-based capital ratio | 14.3111% | 4,313 |
| Memoranda: | ||
| Average total assets | $280,000,500 | 2,283 |
| Average earning assets | $252,073,250 | 2,344 |
| Average equity | $27,746,250 | 2,489 |
| Average total loans | $162,808,500 | 2,446 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,640 |
| Cost of funding earning assets | 0.3441% | 3,878 |
| Net interest margin | 3.8287% | 2,206 |
| Noninterest income to average assets | 1.7813% | 434 |
| Noninterest expense to average assets | 4.3632% | 472 |
| Loan and lease loss provision to assets | 0.0364% | 3,396 |
| Net operating income to assets | 0.8214% | 3,274 |
| Return on assets (ROA) | 0.8776% | 3,111 |
| Pretax return on assets | 0.8849% | 4,011 |
| Return on Equity (ROE) | 8.7614% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.7614% | 1,004 |
| Net charge-offs to loans | 0.8008% | 271 |
| Credit loss provision to net charge-offs | 7.6923% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.8292% | 3,446 |
| Efficiency ratio | 82.9485% | 1,380 |
| Assets per employee ($millions) | 3.1056% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 934 |
| Loan loss allowance to noncurrent loans | 56.8102% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 4.3667% | 277 |
| Noncurrent loans to loans | 3.5790% | 483 |
| Net loans and leases to total assets | 57.8133% | 4,125 |
| Net loans and leases to deposits | 70.4341% | 3,881 |
| Net loans and leases to core deposits | 72.7022% | 4,066 |
| Total domestic deposits to total assets | 82.0815% | 4,271 |
| Equity capital to assets | 9.8867% | 4,173 |
| Core capital (leverage) ratio | 9.1223% | 4,786 |
| Tier 1 risk-based capital ratio | 12.4831% | 4,821 |
| Total risk-based capital ratio | 13.7382% | 4,729 |
| Memoranda: | ||
| Average total assets | $275,073,670 | 2,337 |
| Average earning assets | $247,604,670 | 2,393 |
| Average equity | $27,552,670 | 2,510 |
| Average total loans | $162,338,670 | 2,460 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 2,841 |
| Cost of funding earning assets | 0.3455% | 3,921 |
| Net interest margin | 3.7521% | 2,424 |
| Noninterest income to average assets | 1.5053% | 538 |
| Noninterest expense to average assets | 4.2491% | 526 |
| Loan and lease loss provision to assets | 0.2212% | 802 |
| Net operating income to assets | 0.4147% | 5,016 |
| Return on assets (ROA) | 0.4290% | 5,072 |
| Pretax return on assets | 0.4438% | 5,338 |
| Return on Equity (ROE) | 4.2546% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.2546% | 3,465 |
| Net charge-offs to loans | 0.0724% | 1,992 |
| Credit loss provision to net charge-offs | 517.2414% | 529 |
| Earnings coverage of net charge-offs (x) | 15.2069% | 1,632 |
| Efficiency ratio | 86.1872% | 1,171 |
| Assets per employee ($millions) | 2.9265% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5261% | 510 |
| Loan loss allowance to noncurrent loans | 67.2005% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 4.6977% | 273 |
| Noncurrent loans to loans | 3.7591% | 481 |
| Net loans and leases to total assets | 57.6779% | 4,000 |
| Net loans and leases to deposits | 68.7253% | 3,888 |
| Net loans and leases to core deposits | 71.0182% | 4,063 |
| Total domestic deposits to total assets | 83.9253% | 3,846 |
| Equity capital to assets | 10.0600% | 4,079 |
| Core capital (leverage) ratio | 9.1220% | 4,819 |
| Tier 1 risk-based capital ratio | 12.1594% | 5,142 |
| Total risk-based capital ratio | 13.4191% | 5,041 |
| Memoranda: | ||
| Average total assets | $271,304,000 | 2,375 |
| Average earning assets | $245,406,500 | 2,420 |
| Average equity | $27,358,500 | 2,546 |
| Average total loans | $160,118,500 | 2,489 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,518 |
| Cost of funding earning assets | 0.3769% | 3,945 |
| Net interest margin | 3.9463% | 2,064 |
| Noninterest income to average assets | 1.8507% | 385 |
| Noninterest expense to average assets | 4.5179% | 453 |
| Loan and lease loss provision to assets | 0.1983% | 1,282 |
| Net operating income to assets | 0.6359% | 4,209 |
| Return on assets (ROA) | 0.6866% | 4,078 |
| Pretax return on assets | 0.6919% | 4,656 |
| Return on Equity (ROE) | 7.1757% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.1757% | 1,326 |
| Net charge-offs to loans | 0.8304% | 412 |
| Credit loss provision to net charge-offs | 38.8278% | 3,698 |
| Earnings coverage of net charge-offs (x) | 1.6425% | 4,370 |
| Efficiency ratio | 83.8223% | 1,434 |
| Assets per employee ($millions) | 2.9398% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5346% | 529 |
| Loan loss allowance to noncurrent loans | 57.3008% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 5.2662% | 247 |
| Noncurrent loans to loans | 4.4234% | 384 |
| Net loans and leases to total assets | 57.3674% | 4,139 |
| Net loans and leases to deposits | 68.5869% | 4,066 |
| Net loans and leases to core deposits | 70.9482% | 4,225 |
| Total domestic deposits to total assets | 83.6418% | 3,866 |
| Equity capital to assets | 10.1089% | 3,973 |
| Core capital (leverage) ratio | 9.0079% | 4,992 |
| Tier 1 risk-based capital ratio | 11.9888% | 5,374 |
| Total risk-based capital ratio | 13.2473% | 5,269 |
| Memoranda: | ||
| Average total assets | $267,245,400 | 2,370 |
| Average earning assets | $237,439,600 | 2,445 |
| Average equity | $25,572,400 | 2,605 |
| Average total loans | $164,369,600 | 2,382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,176 |
| Cost of funding earning assets | 0.3808% | 4,007 |
| Net interest margin | 4.0343% | 1,774 |
| Noninterest income to average assets | 2.2087% | 292 |
| Noninterest expense to average assets | 4.8955% | 332 |
| Loan and lease loss provision to assets | 0.2645% | 802 |
| Net operating income to assets | 0.6155% | 4,372 |
| Return on assets (ROA) | 0.6378% | 4,370 |
| Pretax return on assets | 0.6448% | 4,896 |
| Return on Equity (ROE) | 6.7605% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.7605% | 1,951 |
| Net charge-offs to loans | 0.5747% | 648 |
| Credit loss provision to net charge-offs | 74.0223% | 2,694 |
| Earnings coverage of net charge-offs (x) | 2.4818% | 3,907 |
| Efficiency ratio | 84.1892% | 1,369 |
| Assets per employee ($millions) | 2.9072% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8228% | 431 |
| Loan loss allowance to noncurrent loans | 42.6549% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 6.6789% | 187 |
| Noncurrent loans to loans | 6.6178% | 187 |
| Net loans and leases to total assets | 59.0796% | 3,916 |
| Net loans and leases to deposits | 70.6078% | 3,846 |
| Net loans and leases to core deposits | 73.0940% | 4,040 |
| Total domestic deposits to total assets | 83.6730% | 3,891 |
| Equity capital to assets | 9.6807% | 4,573 |
| Core capital (leverage) ratio | 8.7610% | 5,379 |
| Tier 1 risk-based capital ratio | 12.1973% | 5,373 |
| Total risk-based capital ratio | 13.3549% | 5,342 |
| Memoranda: | ||
| Average total assets | $267,177,250 | 2,397 |
| Average earning assets | $236,666,500 | 2,479 |
| Average equity | $25,204,750 | 2,652 |
| Average total loans | $166,097,250 | 2,381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,177 |
| Cost of funding earning assets | 0.3833% | 4,063 |
| Net interest margin | 4.0163% | 1,768 |
| Noninterest income to average assets | 1.8128% | 407 |
| Noninterest expense to average assets | 4.4237% | 485 |
| Loan and lease loss provision to assets | 0.2856% | 704 |
| Net operating income to assets | 0.6531% | 4,078 |
| Return on assets (ROA) | 0.6877% | 4,000 |
| Pretax return on assets | 0.6982% | 4,646 |
| Return on Equity (ROE) | 7.3548% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.3548% | 1,583 |
| Net charge-offs to loans | -0.1788% | 6,320 |
| Credit loss provision to net charge-offs | -255.0336% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8271% | 1,762 |
| Assets per employee ($millions) | 2.8809% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1224% | 332 |
| Loan loss allowance to noncurrent loans | 44.9584% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 7.1856% | 175 |
| Noncurrent loans to loans | 6.9451% | 178 |
| Net loans and leases to total assets | 61.3530% | 3,513 |
| Net loans and leases to deposits | 76.4218% | 2,997 |
| Net loans and leases to core deposits | 79.3223% | 3,282 |
| Total domestic deposits to total assets | 80.2821% | 5,183 |
| Equity capital to assets | 9.5881% | 4,643 |
| Core capital (leverage) ratio | 8.7435% | 5,346 |
| Tier 1 risk-based capital ratio | 11.9429% | 5,572 |
| Total risk-based capital ratio | 13.2121% | 5,492 |
| Memoranda: | ||
| Average total assets | $266,111,670 | 2,400 |
| Average earning assets | $235,839,670 | 2,480 |
| Average equity | $24,881,670 | 2,673 |
| Average total loans | $166,671,000 | 2,376 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 2,147 |
| Cost of funding earning assets | 0.3871% | 4,119 |
| Net interest margin | 4.0101% | 1,721 |
| Noninterest income to average assets | 1.9017% | 362 |
| Noninterest expense to average assets | 4.7876% | 360 |
| Loan and lease loss provision to assets | 0.5459% | 254 |
| Net operating income to assets | 0.0971% | 6,037 |
| Return on assets (ROA) | 0.0971% | 6,063 |
| Pretax return on assets | 0.1183% | 6,043 |
| Return on Equity (ROE) | 1.0518% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.0518% | 5,180 |
| Net charge-offs to loans | -0.1145% | 6,173 |
| Credit loss provision to net charge-offs | -765.9574% | 5,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3435% | 1,301 |
| Assets per employee ($millions) | 2.5071% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1389% | 376 |
| Loan loss allowance to noncurrent loans | 41.4265% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 7.4618% | 192 |
| Noncurrent loans to loans | 7.5770% | 190 |
| Net loans and leases to total assets | 60.1961% | 3,533 |
| Net loans and leases to deposits | 70.7851% | 3,501 |
| Net loans and leases to core deposits | 73.4226% | 3,707 |
| Total domestic deposits to total assets | 85.0406% | 3,844 |
| Equity capital to assets | 9.1542% | 4,934 |
| Core capital (leverage) ratio | 8.6596% | 5,444 |
| Tier 1 risk-based capital ratio | 11.6621% | 5,829 |
| Total risk-based capital ratio | 12.8865% | 5,788 |
| Memoranda: | ||
| Average total assets | $263,765,000 | 2,430 |
| Average earning assets | $233,511,000 | 2,509 |
| Average equity | $24,340,000 | 2,716 |
| Average total loans | $164,255,500 | 2,406 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,437 |
| Cost of funding earning assets | 0.5079% | 3,526 |
| Net interest margin | 3.9305% | 2,177 |
| Noninterest income to average assets | 2.2050% | 345 |
| Noninterest expense to average assets | 4.9172% | 370 |
| Loan and lease loss provision to assets | 0.7568% | 289 |
| Net operating income to assets | -0.0031% | 6,218 |
| Return on assets (ROA) | 0.0089% | 6,240 |
| Pretax return on assets | 0.0108% | 6,217 |
| Return on Equity (ROE) | 0.0964% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.0964% | 5,809 |
| Net charge-offs to loans | 1.4090% | 344 |
| Credit loss provision to net charge-offs | 84.9646% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.8455% | 4,804 |
| Efficiency ratio | 86.2349% | 1,395 |
| Assets per employee ($millions) | 2.7582% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9828% | 481 |
| Loan loss allowance to noncurrent loans | 46.3370% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 6.7131% | 261 |
| Noncurrent loans to loans | 6.4371% | 288 |
| Net loans and leases to total assets | 60.5431% | 3,623 |
| Net loans and leases to deposits | 69.1473% | 3,893 |
| Net loans and leases to core deposits | 71.7630% | 4,101 |
| Total domestic deposits to total assets | 87.5566% | 2,448 |
| Equity capital to assets | 9.3042% | 4,685 |
| Core capital (leverage) ratio | 8.5644% | 5,594 |
| Tier 1 risk-based capital ratio | 11.2699% | 6,041 |
| Total risk-based capital ratio | 12.4247% | 6,039 |
| Memoranda: | ||
| Average total assets | $269,563,800 | 2,350 |
| Average earning assets | $237,657,200 | 2,443 |
| Average equity | $24,888,400 | 2,638 |
| Average total loans | $170,400,600 | 2,299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 2,635 |
| Cost of funding earning assets | 0.5239% | 3,528 |
| Net interest margin | 3.8639% | 2,401 |
| Noninterest income to average assets | 2.4340% | 303 |
| Noninterest expense to average assets | 4.9920% | 336 |
| Loan and lease loss provision to assets | 0.7496% | 283 |
| Net operating income to assets | 0.0975% | 6,145 |
| Return on assets (ROA) | 0.0970% | 6,203 |
| Pretax return on assets | 0.0995% | 6,210 |
| Return on Equity (ROE) | 1.0526% | 6,172 |
| Retained earnings to average equity (ytd only) | 1.0526% | 5,553 |
| Net charge-offs to loans | 1.8104% | 225 |
| Credit loss provision to net charge-offs | 65.3009% | 3,174 |
| Earnings coverage of net charge-offs (x) | 0.7401% | 4,602 |
| Efficiency ratio | 84.9954% | 1,475 |
| Assets per employee ($millions) | 2.9586% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6388% | 798 |
| Loan loss allowance to noncurrent loans | 43.5614% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 6.2618% | 363 |
| Noncurrent loans to loans | 6.0576% | 420 |
| Net loans and leases to total assets | 59.2909% | 3,811 |
| Net loans and leases to deposits | 68.6920% | 3,973 |
| Net loans and leases to core deposits | 71.5185% | 4,146 |
| Total domestic deposits to total assets | 86.3141% | 3,068 |
| Equity capital to assets | 8.9194% | 5,279 |
| Core capital (leverage) ratio | 8.5831% | 5,682 |
| Tier 1 risk-based capital ratio | 12.3054% | 5,565 |
| Total risk-based capital ratio | 12.6753% | 6,053 |
| Memoranda: | ||
| Average total assets | $272,137,250 | 2,343 |
| Average earning assets | $239,991,000 | 2,437 |
| Average equity | $25,079,750 | 2,648 |
| Average total loans | $172,551,750 | 2,283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,494 |
| Cost of funding earning assets | 0.5505% | 3,406 |
| Net interest margin | 3.8686% | 2,314 |
| Noninterest income to average assets | 2.3960% | 341 |
| Noninterest expense to average assets | 4.8648% | 395 |
| Loan and lease loss provision to assets | 0.7497% | 292 |
| Net operating income to assets | 0.1918% | 5,924 |
| Return on assets (ROA) | 0.1911% | 6,047 |
| Pretax return on assets | 0.1948% | 6,091 |
| Return on Equity (ROE) | 2.0515% | 5,941 |
| Retained earnings to average equity (ytd only) | 2.0515% | 4,975 |
| Net charge-offs to loans | 0.6441% | 1,021 |
| Credit loss provision to net charge-offs | 181.1723% | 1,310 |
| Earnings coverage of net charge-offs (x) | 2.2842% | 3,763 |
| Efficiency ratio | 83.2638% | 1,721 |
| Assets per employee ($millions) | 2.7899% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2835% | 444 |
| Loan loss allowance to noncurrent loans | 39.2517% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 7.4860% | 300 |
| Noncurrent loans to loans | 8.3651% | 230 |
| Net loans and leases to total assets | 62.0715% | 3,274 |
| Net loans and leases to deposits | 72.6475% | 3,362 |
| Net loans and leases to core deposits | 75.6484% | 3,585 |
| Total domestic deposits to total assets | 85.4420% | 3,672 |
| Equity capital to assets | 9.1897% | 5,005 |
| Core capital (leverage) ratio | 8.4181% | 5,754 |
| Tier 1 risk-based capital ratio | 12.3357% | 5,605 |
| Total risk-based capital ratio | 13.6090% | 5,540 |
| Memoranda: | ||
| Average total assets | $272,119,000 | 2,347 |
| Average earning assets | $240,136,670 | 2,445 |
| Average equity | $25,347,000 | 2,646 |
| Average total loans | $174,816,000 | 2,256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 2,500 |
| Cost of funding earning assets | 0.5575% | 3,497 |
| Net interest margin | 3.8497% | 2,280 |
| Noninterest income to average assets | 2.1658% | 388 |
| Noninterest expense to average assets | 5.0171% | 368 |
| Loan and lease loss provision to assets | 0.7438% | 313 |
| Net operating income to assets | -0.2188% | 6,527 |
| Return on assets (ROA) | -0.2188% | 6,565 |
| Pretax return on assets | -0.2115% | 6,552 |
| Return on Equity (ROE) | -2.3334% | 6,576 |
| Retained earnings to average equity (ytd only) | -2.3334% | 6,116 |
| Net charge-offs to loans | 0.9848% | 621 |
| Credit loss provision to net charge-offs | 117.5115% | 1,623 |
| Earnings coverage of net charge-offs (x) | 0.8410% | 3,548 |
| Efficiency ratio | 89.9343% | 1,151 |
| Assets per employee ($millions) | 2.5440% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0397% | 633 |
| Loan loss allowance to noncurrent loans | 32.0836% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 8.1227% | 306 |
| Noncurrent loans to loans | 9.4744% | 238 |
| Net loans and leases to total assets | 61.6720% | 3,130 |
| Net loans and leases to deposits | 70.6435% | 3,368 |
| Net loans and leases to core deposits | 73.3688% | 3,654 |
| Total domestic deposits to total assets | 87.3003% | 2,757 |
| Equity capital to assets | 9.4023% | 4,997 |
| Core capital (leverage) ratio | 8.2539% | 5,873 |
| Tier 1 risk-based capital ratio | 11.3737% | 6,248 |
| Total risk-based capital ratio | 12.6240% | 6,223 |
| Memoranda: | ||
| Average total assets | $274,262,000 | 2,354 |
| Average earning assets | $241,060,000 | 2,466 |
| Average equity | $25,714,000 | 2,639 |
| Average total loans | $176,278,000 | 2,256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 2,860 |
| Cost of funding earning assets | 0.6915% | 3,563 |
| Net interest margin | 3.9450% | 2,627 |
| Noninterest income to average assets | 2.6702% | 290 |
| Noninterest expense to average assets | 4.9242% | 397 |
| Loan and lease loss provision to assets | 1.5909% | 188 |
| Net operating income to assets | -0.3039% | 6,445 |
| Return on assets (ROA) | -0.2343% | 6,457 |
| Pretax return on assets | -0.2325% | 6,436 |
| Return on Equity (ROE) | -2.4568% | 6,479 |
| Retained earnings to average equity (ytd only) | -2.4568% | 6,222 |
| Net charge-offs to loans | 2.1444% | 323 |
| Credit loss provision to net charge-offs | 111.3246% | 2,621 |
| Earnings coverage of net charge-offs (x) | 0.9019% | 5,023 |
| Efficiency ratio | 78.8202% | 2,306 |
| Assets per employee ($millions) | 2.9086% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8911% | 741 |
| Loan loss allowance to noncurrent loans | 33.9020% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 7.8574% | 361 |
| Noncurrent loans to loans | 8.5277% | 327 |
| Net loans and leases to total assets | 63.0546% | 3,047 |
| Net loans and leases to deposits | 72.2986% | 3,358 |
| Net loans and leases to core deposits | 77.9442% | 3,265 |
| Total domestic deposits to total assets | 87.2141% | 2,696 |
| Equity capital to assets | 9.3495% | 5,080 |
| Core capital (leverage) ratio | 8.1635% | 6,032 |
| Tier 1 risk-based capital ratio | 11.7573% | 5,927 |
| Total risk-based capital ratio | 13.0129% | 5,892 |
| Memoranda: | ||
| Average total assets | $273,121,000 | 2,318 |
| Average earning assets | $245,272,600 | 2,366 |
| Average equity | $26,049,800 | 2,565 |
| Average total loans | $182,010,000 | 2,178 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 2,924 |
| Cost of funding earning assets | 0.7203% | 3,592 |
| Net interest margin | 3.9500% | 2,704 |
| Noninterest income to average assets | 2.4436% | 319 |
| Noninterest expense to average assets | 4.8064% | 424 |
| Loan and lease loss provision to assets | 1.5937% | 190 |
| Net operating income to assets | -0.4093% | 6,648 |
| Return on assets (ROA) | -0.3163% | 6,642 |
| Pretax return on assets | -0.3138% | 6,609 |
| Return on Equity (ROE) | -3.2996% | 6,637 |
| Retained earnings to average equity (ytd only) | -3.2996% | 6,502 |
| Net charge-offs to loans | 2.6022% | 236 |
| Credit loss provision to net charge-offs | 91.3043% | 3,256 |
| Earnings coverage of net charge-offs (x) | 0.6799% | 4,985 |
| Efficiency ratio | 79.7484% | 2,133 |
| Assets per employee ($millions) | 2.8719% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3847% | 1,390 |
| Loan loss allowance to noncurrent loans | 27.1986% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 8.3694% | 355 |
| Noncurrent loans to loans | 8.7677% | 330 |
| Net loans and leases to total assets | 65.8466% | 2,684 |
| Net loans and leases to deposits | 75.4414% | 3,073 |
| Net loans and leases to core deposits | 78.5027% | 3,393 |
| Total domestic deposits to total assets | 87.2817% | 2,506 |
| Equity capital to assets | 9.4869% | 5,220 |
| Core capital (leverage) ratio | 8.2806% | 6,047 |
| Tier 1 risk-based capital ratio | 11.3172% | 6,347 |
| Total risk-based capital ratio | 12.5801% | 6,304 |
| Memoranda: | ||
| Average total assets | $272,323,000 | 2,346 |
| Average earning assets | $244,717,750 | 2,406 |
| Average equity | $26,103,750 | 2,579 |
| Average total loans | $182,658,750 | 2,191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 3,105 |
| Cost of funding earning assets | 0.7736% | 3,416 |
| Net interest margin | 3.8844% | 2,981 |
| Noninterest income to average assets | 2.2405% | 339 |
| Noninterest expense to average assets | 4.7080% | 457 |
| Loan and lease loss provision to assets | 1.9838% | 148 |
| Net operating income to assets | -0.9668% | 6,899 |
| Return on assets (ROA) | -0.8474% | 6,897 |
| Pretax return on assets | -0.8437% | 6,860 |
| Return on Equity (ROE) | -8.8092% | 6,879 |
| Retained earnings to average equity (ytd only) | -8.8092% | 6,799 |
| Net charge-offs to loans | 2.3343% | 315 |
| Credit loss provision to net charge-offs | 126.9467% | 2,165 |
| Earnings coverage of net charge-offs (x) | 0.6531% | 4,732 |
| Efficiency ratio | 81.7070% | 1,926 |
| Assets per employee ($millions) | 2.9264% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8758% | 884 |
| Loan loss allowance to noncurrent loans | 37.5318% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 7.8116% | 446 |
| Noncurrent loans to loans | 7.6624% | 463 |
| Net loans and leases to total assets | 66.6854% | 2,529 |
| Net loans and leases to deposits | 78.6989% | 2,562 |
| Net loans and leases to core deposits | 82.0349% | 2,956 |
| Total domestic deposits to total assets | 84.7348% | 3,983 |
| Equity capital to assets | 9.4088% | 5,184 |
| Core capital (leverage) ratio | 8.1182% | 6,143 |
| Tier 1 risk-based capital ratio | 11.0586% | 6,470 |
| Total risk-based capital ratio | 12.3272% | 6,432 |
| Memoranda: | ||
| Average total assets | $271,195,330 | 2,363 |
| Average earning assets | $243,540,330 | 2,409 |
| Average equity | $26,086,330 | 2,561 |
| Average total loans | $181,552,330 | 2,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 3,191 |
| Cost of funding earning assets | 0.8599% | 2,996 |
| Net interest margin | 3.8049% | 3,375 |
| Noninterest income to average assets | 1.9179% | 437 |
| Noninterest expense to average assets | 4.3016% | 661 |
| Loan and lease loss provision to assets | 0.6613% | 816 |
| Net operating income to assets | 0.3615% | 5,419 |
| Return on assets (ROA) | 0.3601% | 5,614 |
| Pretax return on assets | 0.3674% | 5,815 |
| Return on Equity (ROE) | 3.7031% | 5,427 |
| Retained earnings to average equity (ytd only) | 3.7031% | 4,365 |
| Net charge-offs to loans | 1.1584% | 890 |
| Credit loss provision to net charge-offs | 86.3724% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.3455% | 3,660 |
| Efficiency ratio | 80.1819% | 2,178 |
| Assets per employee ($millions) | 2.7006% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6487% | 1,174 |
| Loan loss allowance to noncurrent loans | 48.9935% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 6.4823% | 696 |
| Noncurrent loans to loans | 5.4062% | 997 |
| Net loans and leases to total assets | 63.5987% | 2,922 |
| Net loans and leases to deposits | 74.2008% | 3,092 |
| Net loans and leases to core deposits | 77.6321% | 3,382 |
| Total domestic deposits to total assets | 85.7116% | 3,683 |
| Equity capital to assets | 9.8815% | 4,279 |
| Core capital (leverage) ratio | 8.5701% | 5,479 |
| Tier 1 risk-based capital ratio | 12.3242% | 5,735 |
| Total risk-based capital ratio | 13.5900% | 5,688 |
| Memoranda: | ||
| Average total assets | $272,179,500 | 2,367 |
| Average earning assets | $244,211,500 | 2,418 |
| Average equity | $26,464,000 | 2,531 |
| Average total loans | $179,903,000 | 2,245 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 2,236 |
| Cost of funding earning assets | 1.0693% | 2,887 |
| Net interest margin | 4.0854% | 2,496 |
| Noninterest income to average assets | 1.5835% | 539 |
| Noninterest expense to average assets | 4.6420% | 507 |
| Loan and lease loss provision to assets | 1.4200% | 541 |
| Net operating income to assets | -0.8132% | 6,663 |
| Return on assets (ROA) | -0.5899% | 6,590 |
| Pretax return on assets | -0.5881% | 6,546 |
| Return on Equity (ROE) | -6.2972% | 6,597 |
| Retained earnings to average equity (ytd only) | -6.2972% | 6,529 |
| Net charge-offs to loans | 2.1746% | 596 |
| Credit loss provision to net charge-offs | 96.5770% | 3,732 |
| Earnings coverage of net charge-offs (x) | 0.4139% | 5,509 |
| Efficiency ratio | 87.9022% | 1,364 |
| Assets per employee ($millions) | 2.9181% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5875% | 1,211 |
| Loan loss allowance to noncurrent loans | 45.6865% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 6.6934% | 698 |
| Noncurrent loans to loans | 5.6637% | 921 |
| Net loans and leases to total assets | 65.1236% | 2,951 |
| Net loans and leases to deposits | 76.6226% | 3,069 |
| Net loans and leases to core deposits | 79.8757% | 3,462 |
| Total domestic deposits to total assets | 84.9927% | 3,852 |
| Equity capital to assets | 9.5669% | 4,784 |
| Core capital (leverage) ratio | 8.2753% | 5,886 |
| Tier 1 risk-based capital ratio | 11.2598% | 6,314 |
| Total risk-based capital ratio | 12.5234% | 6,278 |
| Memoranda: | ||
| Average total assets | $278,175,400 | 2,282 |
| Average earning assets | $249,693,600 | 2,306 |
| Average equity | $26,059,400 | 2,475 |
| Average total loans | $188,080,400 | 2,150 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 2,327 |
| Cost of funding earning assets | 1.0997% | 2,981 |
| Net interest margin | 4.0656% | 2,618 |
| Noninterest income to average assets | 1.4831% | 594 |
| Noninterest expense to average assets | 4.7482% | 464 |
| Loan and lease loss provision to assets | 1.6001% | 408 |
| Net operating income to assets | -1.2175% | 6,964 |
| Return on assets (ROA) | -0.9209% | 6,888 |
| Pretax return on assets | -0.9185% | 6,843 |
| Return on Equity (ROE) | -9.8817% | 6,886 |
| Retained earnings to average equity (ytd only) | -9.8817% | 6,850 |
| Net charge-offs to loans | 2.2544% | 540 |
| Credit loss provision to net charge-offs | 104.6875% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.2519% | 5,407 |
| Efficiency ratio | 91.9885% | 1,032 |
| Assets per employee ($millions) | 2.9603% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7110% | 1,121 |
| Loan loss allowance to noncurrent loans | 38.2802% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 7.7434% | 588 |
| Noncurrent loans to loans | 7.0821% | 697 |
| Net loans and leases to total assets | 64.9337% | 3,123 |
| Net loans and leases to deposits | 75.9010% | 3,344 |
| Net loans and leases to core deposits | 78.9540% | 3,780 |
| Total domestic deposits to total assets | 85.5504% | 3,463 |
| Equity capital to assets | 9.3760% | 5,267 |
| Core capital (leverage) ratio | 8.1560% | 6,192 |
| Tier 1 risk-based capital ratio | 11.3285% | 6,339 |
| Total risk-based capital ratio | 12.5837% | 6,329 |
| Memoranda: | ||
| Average total assets | $279,144,250 | 2,281 |
| Average earning assets | $250,617,750 | 2,309 |
| Average equity | $26,013,750 | 2,481 |
| Average total loans | $189,255,750 | 2,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 2,213 |
| Cost of funding earning assets | 1.1291% | 3,040 |
| Net interest margin | 4.0835% | 2,478 |
| Noninterest income to average assets | 1.4286% | 622 |
| Noninterest expense to average assets | 4.8870% | 403 |
| Loan and lease loss provision to assets | 1.9682% | 317 |
| Net operating income to assets | -1.7650% | 7,154 |
| Return on assets (ROA) | -1.5288% | 7,119 |
| Pretax return on assets | -1.5252% | 7,080 |
| Return on Equity (ROE) | -16.4381% | 7,096 |
| Retained earnings to average equity (ytd only) | -16.4381% | 7,073 |
| Net charge-offs to loans | 1.0807% | 1,458 |
| Credit loss provision to net charge-offs | 267.2498% | 1,137 |
| Earnings coverage of net charge-offs (x) | 0.2809% | 5,099 |
| Efficiency ratio | 95.4194% | 906 |
| Assets per employee ($millions) | 2.6986% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4949% | 597 |
| Loan loss allowance to noncurrent loans | 45.9037% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 8.3935% | 527 |
| Noncurrent loans to loans | 7.6136% | 622 |
| Net loans and leases to total assets | 66.2690% | 2,974 |
| Net loans and leases to deposits | 77.3988% | 3,232 |
| Net loans and leases to core deposits | 80.7805% | 3,679 |
| Total domestic deposits to total assets | 85.6201% | 3,544 |
| Equity capital to assets | 9.3025% | 5,131 |
| Core capital (leverage) ratio | 8.0328% | 6,260 |
| Tier 1 risk-based capital ratio | 11.0015% | 6,532 |
| Total risk-based capital ratio | 12.2769% | 6,494 |
| Memoranda: | ||
| Average total assets | $279,437,670 | 2,298 |
| Average earning assets | $250,811,330 | 2,322 |
| Average equity | $25,988,330 | 2,464 |
| Average total loans | $190,433,670 | 2,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 2,548 |
| Cost of funding earning assets | 1.1478% | 3,171 |
| Net interest margin | 3.9739% | 2,808 |
| Noninterest income to average assets | 1.0855% | 1,116 |
| Noninterest expense to average assets | 3.9073% | 1,164 |
| Loan and lease loss provision to assets | 2.1312% | 252 |
| Net operating income to assets | -1.3839% | 7,157 |
| Return on assets (ROA) | -1.2432% | 7,122 |
| Pretax return on assets | -1.2361% | 7,074 |
| Return on Equity (ROE) | -13.3692% | 7,111 |
| Retained earnings to average equity (ytd only) | -13.3692% | 6,989 |
| Net charge-offs to loans | 0.8768% | 1,507 |
| Credit loss provision to net charge-offs | 357.9952% | 913 |
| Earnings coverage of net charge-offs (x) | 1.2673% | 3,722 |
| Efficiency ratio | 83.2673% | 2,046 |
| Assets per employee ($millions) | 2.8486% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1565% | 797 |
| Loan loss allowance to noncurrent loans | 48.4018% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 7.5153% | 670 |
| Noncurrent loans to loans | 6.5216% | 908 |
| Net loans and leases to total assets | 65.5665% | 3,115 |
| Net loans and leases to deposits | 76.9287% | 3,268 |
| Net loans and leases to core deposits | 80.5072% | 3,666 |
| Total domestic deposits to total assets | 85.2302% | 3,933 |
| Equity capital to assets | 9.2709% | 4,779 |
| Core capital (leverage) ratio | 8.2659% | 5,876 |
| Tier 1 risk-based capital ratio | 11.8490% | 5,821 |
| Total risk-based capital ratio | 13.1207% | 5,806 |
| Memoranda: | ||
| Average total assets | $281,526,500 | 2,290 |
| Average earning assets | $253,352,500 | 2,323 |
| Average equity | $26,179,500 | 2,437 |
| Average total loans | $191,141,500 | 2,187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2555% | 3,334 |
| Cost of funding earning assets | 1.5237% | 2,508 |
| Net interest margin | 3.7318% | 4,222 |
| Noninterest income to average assets | 1.5904% | 578 |
| Noninterest expense to average assets | 4.2071% | 896 |
| Loan and lease loss provision to assets | 1.4834% | 1,004 |
| Net operating income to assets | -0.7425% | 6,546 |
| Return on assets (ROA) | -0.6783% | 6,536 |
| Pretax return on assets | -0.6766% | 6,445 |
| Return on Equity (ROE) | -7.4897% | 6,584 |
| Retained earnings to average equity (ytd only) | -7.4897% | 6,492 |
| Net charge-offs to loans | 2.2687% | 851 |
| Credit loss provision to net charge-offs | 90.8429% | 5,092 |
| Earnings coverage of net charge-offs (x) | 0.4547% | 5,654 |
| Efficiency ratio | 84.4902% | 1,866 |
| Assets per employee ($millions) | 2.9572% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5274% | 1,379 |
| Loan loss allowance to noncurrent loans | 29.3640% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 8.5900% | 544 |
| Noncurrent loans to loans | 8.6072% | 566 |
| Net loans and leases to total assets | 66.3619% | 3,390 |
| Net loans and leases to deposits | 77.8690% | 3,532 |
| Net loans and leases to core deposits | 81.8211% | 3,930 |
| Total domestic deposits to total assets | 85.2224% | 3,741 |
| Equity capital to assets | 9.3269% | 4,651 |
| Core capital (leverage) ratio | 8.2495% | 5,751 |
| Tier 1 risk-based capital ratio | 11.9856% | 5,484 |
| Total risk-based capital ratio | 13.2507% | 5,454 |
| Memoranda: | ||
| Average total assets | $294,265,200 | 2,188 |
| Average earning assets | $264,885,200 | 2,215 |
| Average equity | $26,650,000 | 2,404 |
| Average total loans | $211,794,600 | 2,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 3,531 |
| Cost of funding earning assets | 1.6059% | 2,359 |
| Net interest margin | 3.6545% | 4,613 |
| Noninterest income to average assets | 1.8581% | 423 |
| Noninterest expense to average assets | 4.5134% | 578 |
| Loan and lease loss provision to assets | 1.5899% | 813 |
| Net operating income to assets | -0.9594% | 6,880 |
| Return on assets (ROA) | -0.9001% | 6,887 |
| Pretax return on assets | -0.8978% | 6,804 |
| Return on Equity (ROE) | -10.0099% | 6,932 |
| Retained earnings to average equity (ytd only) | -10.0099% | 6,883 |
| Net charge-offs to loans | 2.3115% | 770 |
| Credit loss provision to net charge-offs | 94.3497% | 4,594 |
| Earnings coverage of net charge-offs (x) | 0.3755% | 5,655 |
| Efficiency ratio | 87.2229% | 1,512 |
| Assets per employee ($millions) | 2.9552% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4790% | 1,357 |
| Loan loss allowance to noncurrent loans | 27.9934% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 9.7836% | 427 |
| Noncurrent loans to loans | 8.8555% | 551 |
| Net loans and leases to total assets | 68.7519% | 3,042 |
| Net loans and leases to deposits | 82.5113% | 3,012 |
| Net loans and leases to core deposits | 86.5775% | 3,574 |
| Total domestic deposits to total assets | 83.3242% | 4,449 |
| Equity capital to assets | 9.3129% | 5,116 |
| Core capital (leverage) ratio | 8.2407% | 5,975 |
| Tier 1 risk-based capital ratio | 11.5982% | 5,831 |
| Total risk-based capital ratio | 12.8636% | 5,807 |
| Memoranda: | ||
| Average total assets | $296,859,250 | 2,208 |
| Average earning assets | $267,099,000 | 2,237 |
| Average equity | $26,693,000 | 2,441 |
| Average total loans | $216,423,500 | 2,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 3,756 |
| Cost of funding earning assets | 1.7082% | 2,079 |
| Net interest margin | 3.5325% | 5,121 |
| Noninterest income to average assets | 1.5911% | 513 |
| Noninterest expense to average assets | 4.2743% | 744 |
| Loan and lease loss provision to assets | 1.8170% | 684 |
| Net operating income to assets | -1.3188% | 7,077 |
| Return on assets (ROA) | -1.2531% | 7,066 |
| Pretax return on assets | -1.2498% | 6,986 |
| Return on Equity (ROE) | -14.1010% | 7,113 |
| Retained earnings to average equity (ytd only) | -14.1010% | 7,073 |
| Net charge-offs to loans | 1.5641% | 1,214 |
| Credit loss provision to net charge-offs | 157.6498% | 2,502 |
| Earnings coverage of net charge-offs (x) | 0.4351% | 5,289 |
| Efficiency ratio | 88.9794% | 1,417 |
| Assets per employee ($millions) | 2.8947% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9249% | 888 |
| Loan loss allowance to noncurrent loans | 41.3297% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 7.7767% | 644 |
| Noncurrent loans to loans | 7.0769% | 798 |
| Net loans and leases to total assets | 72.4171% | 2,297 |
| Net loans and leases to deposits | 87.8607% | 2,195 |
| Net loans and leases to core deposits | 92.9997% | 2,844 |
| Total domestic deposits to total assets | 82.4226% | 4,815 |
| Equity capital to assets | 9.4708% | 4,747 |
| Core capital (leverage) ratio | 8.1607% | 6,018 |
| Tier 1 risk-based capital ratio | 11.1731% | 6,070 |
| Total risk-based capital ratio | 12.4432% | 6,031 |
| Memoranda: | ||
| Average total assets | $298,291,670 | 2,210 |
| Average earning assets | $268,931,330 | 2,239 |
| Average equity | $26,508,670 | 2,452 |
| Average total loans | $219,813,000 | 2,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 3,129 |
| Cost of funding earning assets | 1.8508% | 1,654 |
| Net interest margin | 3.5316% | 5,028 |
| Noninterest income to average assets | 1.1866% | 862 |
| Noninterest expense to average assets | 4.3356% | 693 |
| Loan and lease loss provision to assets | 2.3918% | 444 |
| Net operating income to assets | -2.3627% | 7,530 |
| Return on assets (ROA) | -2.3627% | 7,536 |
| Pretax return on assets | -2.3561% | 7,491 |
| Return on Equity (ROE) | -27.4491% | 7,537 |
| Retained earnings to average equity (ytd only) | -27.4491% | 7,501 |
| Net charge-offs to loans | 3.1062% | 486 |
| Credit loss provision to net charge-offs | 105.1103% | 3,260 |
| Earnings coverage of net charge-offs (x) | 0.0157% | 5,012 |
| Efficiency ratio | 98.6397% | 893 |
| Assets per employee ($millions) | 2.9573% | 6,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5228% | 1,260 |
| Loan loss allowance to noncurrent loans | 35.9548% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 7.4470% | 691 |
| Noncurrent loans to loans | 7.0165% | 846 |
| Net loans and leases to total assets | 70.0245% | 2,930 |
| Net loans and leases to deposits | 84.6533% | 2,827 |
| Net loans and leases to core deposits | 87.3976% | 3,694 |
| Total domestic deposits to total assets | 82.7192% | 4,747 |
| Equity capital to assets | 8.6111% | 5,856 |
| Core capital (leverage) ratio | 7.4840% | 6,872 |
| Tier 1 risk-based capital ratio | 10.3145% | 6,798 |
| Total risk-based capital ratio | 11.5802% | 6,786 |
| Memoranda: | ||
| Average total assets | $302,703,000 | 2,232 |
| Average earning assets | $272,966,000 | 2,262 |
| Average equity | $26,055,500 | 2,511 |
| Average total loans | $221,749,000 | 2,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 2,099 |
| Cost of funding earning assets | 2.3339% | 1,512 |
| Net interest margin | 3.6028% | 4,540 |
| Noninterest income to average assets | 1.9487% | 388 |
| Noninterest expense to average assets | 4.0665% | 1,279 |
| Loan and lease loss provision to assets | 1.7676% | 1,287 |
| Net operating income to assets | -0.6084% | 6,280 |
| Return on assets (ROA) | -0.4482% | 6,123 |
| Pretax return on assets | -0.4467% | 5,960 |
| Return on Equity (ROE) | -5.4077% | 6,250 |
| Retained earnings to average equity (ytd only) | -5.4077% | 6,073 |
| Net charge-offs to loans | 1.5838% | 1,591 |
| Credit loss provision to net charge-offs | 138.1259% | 3,552 |
| Earnings coverage of net charge-offs (x) | 0.9070% | 5,205 |
| Efficiency ratio | 77.3456% | 3,303 |
| Assets per employee ($millions) | 2.8936% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 1,437 |
| Loan loss allowance to noncurrent loans | 29.0841% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 8.3812% | 511 |
| Noncurrent loans to loans | 7.9975% | 628 |
| Net loans and leases to total assets | 72.9025% | 2,531 |
| Net loans and leases to deposits | 90.4387% | 2,152 |
| Net loans and leases to core deposits | 114.2921% | 2,475 |
| Total domestic deposits to total assets | 80.6098% | 5,471 |
| Equity capital to assets | 8.6042% | 5,721 |
| Core capital (leverage) ratio | 7.4722% | 6,816 |
| Tier 1 risk-based capital ratio | 10.4653% | 6,437 |
| Total risk-based capital ratio | 11.7296% | 6,387 |
| Memoranda: | ||
| Average total assets | $315,230,400 | 2,131 |
| Average earning assets | $286,861,800 | 2,145 |
| Average equity | $26,129,400 | 2,516 |
| Average total loans | $254,702,600 | 1,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9027% | 2,438 |
| Cost of funding earning assets | 2.4258% | 1,540 |
| Net interest margin | 3.4770% | 4,964 |
| Noninterest income to average assets | 1.9532% | 388 |
| Noninterest expense to average assets | 4.0450% | 1,221 |
| Loan and lease loss provision to assets | 1.8368% | 1,012 |
| Net operating income to assets | -0.7596% | 6,655 |
| Return on assets (ROA) | -0.5836% | 6,510 |
| Pretax return on assets | -0.5815% | 6,375 |
| Return on Equity (ROE) | -7.1054% | 6,671 |
| Retained earnings to average equity (ytd only) | -7.1054% | 6,520 |
| Net charge-offs to loans | 2.0519% | 953 |
| Credit loss provision to net charge-offs | 108.7833% | 4,670 |
| Earnings coverage of net charge-offs (x) | 0.6392% | 5,386 |
| Efficiency ratio | 78.4865% | 3,085 |
| Assets per employee ($millions) | 2.9360% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 2,802 |
| Loan loss allowance to noncurrent loans | 24.2517% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 7.6404% | 581 |
| Noncurrent loans to loans | 6.8102% | 816 |
| Net loans and leases to total assets | 79.2147% | 1,342 |
| Net loans and leases to deposits | 99.3243% | 1,176 |
| Net loans and leases to core deposits | 125.9711% | 1,736 |
| Total domestic deposits to total assets | 79.7535% | 5,541 |
| Equity capital to assets | 8.2245% | 6,612 |
| Core capital (leverage) ratio | 7.0346% | 7,410 |
| Tier 1 risk-based capital ratio | 9.0942% | 7,584 |
| Total risk-based capital ratio | 10.3500% | 7,589 |
| Memoranda: | ||
| Average total assets | $317,357,500 | 2,134 |
| Average earning assets | $289,441,500 | 2,140 |
| Average equity | $26,064,000 | 2,551 |
| Average total loans | $261,145,000 | 1,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 2,404 |
| Cost of funding earning assets | 2.5533% | 1,435 |
| Net interest margin | 3.3911% | 5,204 |
| Noninterest income to average assets | 1.8885% | 411 |
| Noninterest expense to average assets | 3.8446% | 1,584 |
| Loan and lease loss provision to assets | 1.1177% | 1,533 |
| Net operating income to assets | 0.0197% | 5,781 |
| Return on assets (ROA) | 0.2373% | 5,224 |
| Pretax return on assets | 0.2404% | 5,351 |
| Return on Equity (ROE) | 2.8909% | 4,943 |
| Retained earnings to average equity (ytd only) | 2.8909% | 3,718 |
| Net charge-offs to loans | 1.7299% | 1,095 |
| Credit loss provision to net charge-offs | 77.9817% | 5,249 |
| Earnings coverage of net charge-offs (x) | 0.7942% | 4,940 |
| Efficiency ratio | 76.6901% | 3,568 |
| Assets per employee ($millions) | 3.2382% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,371 |
| Loan loss allowance to noncurrent loans | 17.1750% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 7.9078% | 482 |
| Noncurrent loans to loans | 7.4777% | 626 |
| Net loans and leases to total assets | 79.5174% | 1,396 |
| Net loans and leases to deposits | 102.3779% | 1,045 |
| Net loans and leases to core deposits | 131.0811% | 1,484 |
| Total domestic deposits to total assets | 77.6705% | 6,161 |
| Equity capital to assets | 8.5548% | 5,969 |
| Core capital (leverage) ratio | 7.3702% | 7,160 |
| Tier 1 risk-based capital ratio | 9.6185% | 7,302 |
| Total risk-based capital ratio | 10.8694% | 7,253 |
| Memoranda: | ||
| Average total assets | $319,405,000 | 2,149 |
| Average earning assets | $291,468,670 | 2,159 |
| Average equity | $26,220,000 | 2,541 |
| Average total loans | $264,637,330 | 1,863 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8438% | 3,070 |
| Cost of funding earning assets | 2.6047% | 1,550 |
| Net interest margin | 3.2391% | 5,724 |
| Noninterest income to average assets | 1.6253% | 516 |
| Noninterest expense to average assets | 3.5701% | 1,930 |
| Loan and lease loss provision to assets | 0.8801% | 1,490 |
| Net operating income to assets | 0.1313% | 5,880 |
| Return on assets (ROA) | 0.3882% | 5,077 |
| Pretax return on assets | 0.3945% | 5,411 |
| Return on Equity (ROE) | 4.8299% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.8299% | 3,219 |
| Net charge-offs to loans | 1.9573% | 737 |
| Credit loss provision to net charge-offs | 53.5308% | 4,622 |
| Earnings coverage of net charge-offs (x) | 0.6158% | 4,501 |
| Efficiency ratio | 77.4176% | 3,267 |
| Assets per employee ($millions) | 3.1163% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 4,861 |
| Loan loss allowance to noncurrent loans | 31.2777% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 4.4601% | 1,084 |
| Noncurrent loans to loans | 3.8111% | 1,615 |
| Net loans and leases to total assets | 81.9920% | 1,024 |
| Net loans and leases to deposits | 108.5074% | 700 |
| Net loans and leases to core deposits | 136.2038% | 1,295 |
| Total domestic deposits to total assets | 75.5635% | 6,589 |
| Equity capital to assets | 8.2644% | 6,437 |
| Core capital (leverage) ratio | 7.2533% | 7,424 |
| Tier 1 risk-based capital ratio | 9.1729% | 7,689 |
| Total risk-based capital ratio | 10.4229% | 7,686 |
| Memoranda: | ||
| Average total assets | $320,436,000 | 2,161 |
| Average earning assets | $292,547,000 | 2,170 |
| Average equity | $25,756,000 | 2,587 |
| Average total loans | $269,143,000 | 1,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7293% | 1,930 |
| Cost of funding earning assets | 3.0132% | 1,828 |
| Net interest margin | 3.7161% | 4,398 |
| Noninterest income to average assets | 1.2014% | 1,037 |
| Noninterest expense to average assets | 3.5819% | 2,197 |
| Loan and lease loss provision to assets | 1.3272% | 1,069 |
| Net operating income to assets | -0.3179% | 6,752 |
| Return on assets (ROA) | -0.2935% | 6,583 |
| Pretax return on assets | -0.2919% | 6,449 |
| Return on Equity (ROE) | -3.5151% | 6,688 |
| Retained earnings to average equity (ytd only) | -6.1841% | 6,684 |
| Net charge-offs to loans | 1.5154% | 764 |
| Credit loss provision to net charge-offs | 102.3682% | 5,202 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 5,760 |
| Efficiency ratio | 77.6795% | 2,968 |
| Assets per employee ($millions) | 3.0759% | 5,845 |
| Cash dividends to net income (ytd only)* | -75.9280% | 8,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 3,241 |
| Loan loss allowance to noncurrent loans | 30.1753% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 4.5334% | 824 |
| Noncurrent loans to loans | 4.6151% | 1,025 |
| Net loans and leases to total assets | 83.8240% | 916 |
| Net loans and leases to deposits | 116.7984% | 486 |
| Net loans and leases to core deposits | 146.4364% | 998 |
| Total domestic deposits to total assets | 71.7681% | 7,041 |
| Equity capital to assets | 7.8104% | 7,081 |
| Core capital (leverage) ratio | 6.8636% | 7,788 |
| Tier 1 risk-based capital ratio | 8.6001% | 7,968 |
| Total risk-based capital ratio | 9.8534% | 8,032 |
| Memoranda: | ||
| Average total assets | $302,884,600 | 2,188 |
| Average earning assets | $276,417,000 | 2,191 |
| Average equity | $25,290,800 | 2,621 |
| Average total loans | $259,132,200 | 1,843 |