Home > Legacy Bank of Florida > Performance and Condition Ratios
Legacy Bank of Florida, Performance and Condition Ratios
| 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 | 4.3319% | 950 |
| Cost of funding earning assets | 0.4736% | 1,363 |
| Net interest margin | 3.8584% | 1,047 |
| Noninterest income to average assets | 0.2140% | 4,124 |
| Noninterest expense to average assets | 1.8415% | 4,092 |
| Loan and lease loss provision to assets | 0.0842% | 1,458 |
| Net operating income to assets | 1.5296% | 1,217 |
| Return on assets (ROA) | 1.5296% | 1,283 |
| Pretax return on assets | 2.0184% | 810 |
| Return on Equity (ROE) | 14.8438% | 1,203 |
| Retained earnings to average equity (ytd only) | 14.8438% | 455 |
| Net charge-offs to loans | -0.0045% | 3,406 |
| Credit loss provision to net charge-offs | -2,181.8182% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6910% | 4,483 |
| Assets per employee ($millions) | 11.6396% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 4,488 |
| Loan loss allowance to noncurrent loans | 207.7061% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 2,490 |
| Noncurrent loans to loans | 0.3500% | 2,651 |
| Net loans and leases to total assets | 81.5941% | 236 |
| Net loans and leases to deposits | 97.7833% | 318 |
| Net loans and leases to core deposits | 102.8249% | 571 |
| Total domestic deposits to total assets | 83.4438% | 3,595 |
| Equity capital to assets | 10.4701% | 2,418 |
| Core capital (leverage) ratio | 10.3118% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6463% | 2,820 |
| Memoranda: | ||
| Average total assets | $570,066,000 | 1,525 |
| Average earning assets | $551,115,667 | 1,484 |
| Average equity | $58,745,000 | 1,552 |
| Average total loans | $484,127,000 | 1,215 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 978 |
| Cost of funding earning assets | 0.5490% | 1,107 |
| Net interest margin | 3.7929% | 1,155 |
| Noninterest income to average assets | 0.2432% | 3,938 |
| Noninterest expense to average assets | 1.8223% | 4,166 |
| Loan and lease loss provision to assets | 0.0851% | 1,538 |
| Net operating income to assets | 1.5174% | 1,289 |
| Return on assets (ROA) | 1.5174% | 1,351 |
| Pretax return on assets | 2.0003% | 949 |
| Return on Equity (ROE) | 14.8481% | 1,250 |
| Retained earnings to average equity (ytd only) | 14.8481% | 643 |
| Net charge-offs to loans | -0.0041% | 3,322 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6340% | 4,428 |
| Assets per employee ($millions) | 10.4365% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,595 |
| Loan loss allowance to noncurrent loans | 198.4014% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 2,730 |
| Noncurrent loans to loans | 0.3434% | 2,867 |
| Net loans and leases to total assets | 82.1186% | 221 |
| Net loans and leases to deposits | 97.4146% | 362 |
| Net loans and leases to core deposits | 102.7335% | 611 |
| Total domestic deposits to total assets | 84.2981% | 3,343 |
| Equity capital to assets | 9.7898% | 2,909 |
| Core capital (leverage) ratio | 10.4867% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8235% | 2,957 |
| Memoranda: | ||
| Average total assets | $564,108,000 | 1,529 |
| Average earning assets | $545,012,000 | 1,488 |
| Average equity | $57,650,500 | 1,569 |
| Average total loans | $487,020,500 | 1,210 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,028 |
| Cost of funding earning assets | 1.0196% | 551 |
| Net interest margin | 3.6169% | 2,084 |
| Noninterest income to average assets | 0.2090% | 4,228 |
| Noninterest expense to average assets | 2.0550% | 4,031 |
| Loan and lease loss provision to assets | 0.1191% | 2,878 |
| Net operating income to assets | 1.1436% | 1,750 |
| Return on assets (ROA) | 1.1714% | 1,761 |
| Pretax return on assets | 1.5481% | 1,200 |
| Return on Equity (ROE) | 10.9100% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.9100% | 442 |
| Net charge-offs to loans | -0.0050% | 4,132 |
| Credit loss provision to net charge-offs | -2,608.6957% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7356% | 4,016 |
| Assets per employee ($millions) | 9.3567% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 4,635 |
| Loan loss allowance to noncurrent loans | 188.6550% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 2,716 |
| Noncurrent loans to loans | 0.3546% | 2,930 |
| Net loans and leases to total assets | 89.8040% | 31 |
| Net loans and leases to deposits | 110.9262% | 157 |
| Net loans and leases to core deposits | 118.4117% | 332 |
| Total domestic deposits to total assets | 80.9583% | 3,876 |
| Equity capital to assets | 10.6993% | 2,526 |
| Core capital (leverage) ratio | 10.4944% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9686% | 2,930 |
| Memoranda: | ||
| Average total assets | $503,850,400 | 1,541 |
| Average earning assets | $484,507,400 | 1,495 |
| Average equity | $54,097,400 | 1,580 |
| Average total loans | $457,760,000 | 1,209 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 1,354 |
| Cost of funding earning assets | 1.1023% | 536 |
| Net interest margin | 3.4822% | 2,649 |
| Noninterest income to average assets | 0.2041% | 4,249 |
| Noninterest expense to average assets | 2.0482% | 4,052 |
| Loan and lease loss provision to assets | 0.1074% | 2,978 |
| Net operating income to assets | 1.0514% | 2,139 |
| Return on assets (ROA) | 1.0890% | 2,149 |
| Pretax return on assets | 1.4418% | 1,604 |
| Return on Equity (ROE) | 10.1329% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.1329% | 732 |
| Net charge-offs to loans | -0.0050% | 4,049 |
| Credit loss provision to net charge-offs | -2,352.9412% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6973% | 3,711 |
| Assets per employee ($millions) | 9.5237% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,710 |
| Loan loss allowance to noncurrent loans | 175.5814% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 2,880 |
| Noncurrent loans to loans | 0.3464% | 3,045 |
| Net loans and leases to total assets | 90.9218% | 28 |
| Net loans and leases to deposits | 117.2248% | 135 |
| Net loans and leases to core deposits | 124.3432% | 336 |
| Total domestic deposits to total assets | 77.5619% | 4,257 |
| Equity capital to assets | 10.1280% | 3,115 |
| Core capital (leverage) ratio | 10.2742% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6797% | 2,992 |
| Memoranda: | ||
| Average total assets | $496,479,500 | 1,539 |
| Average earning assets | $477,046,750 | 1,490 |
| Average equity | $53,356,000 | 1,583 |
| Average total loans | $451,654,750 | 1,217 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,508 |
| Cost of funding earning assets | 1.2134% | 480 |
| Net interest margin | 3.4476% | 2,950 |
| Noninterest income to average assets | 0.1929% | 4,311 |
| Noninterest expense to average assets | 2.0244% | 4,180 |
| Loan and lease loss provision to assets | 0.1081% | 2,927 |
| Net operating income to assets | 1.0289% | 2,222 |
| Return on assets (ROA) | 1.0769% | 2,174 |
| Pretax return on assets | 1.4324% | 1,635 |
| Return on Equity (ROE) | 9.8079% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.8079% | 822 |
| Net charge-offs to loans | -0.0050% | 4,015 |
| Credit loss provision to net charge-offs | -2,363.6364% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7717% | 3,724 |
| Assets per employee ($millions) | 9.7309% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 4,748 |
| Loan loss allowance to noncurrent loans | 165.6484% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 2,986 |
| Noncurrent loans to loans | 0.3591% | 3,113 |
| Net loans and leases to total assets | 91.3951% | 16 |
| Net loans and leases to deposits | 117.7076% | 110 |
| Net loans and leases to core deposits | 124.6413% | 339 |
| Total domestic deposits to total assets | 77.6459% | 4,237 |
| Equity capital to assets | 10.3245% | 2,908 |
| Core capital (leverage) ratio | 10.4213% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5652% | 3,073 |
| Memoranda: | ||
| Average total assets | $481,022,667 | 1,553 |
| Average earning assets | $461,996,333 | 1,506 |
| Average equity | $52,814,667 | 1,584 |
| Average total loans | $436,676,667 | 1,239 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 1,534 |
| Cost of funding earning assets | 1.3888% | 417 |
| Net interest margin | 3.3694% | 3,402 |
| Noninterest income to average assets | 0.2075% | 4,305 |
| Noninterest expense to average assets | 2.1752% | 4,071 |
| Loan and lease loss provision to assets | 0.0262% | 3,462 |
| Net operating income to assets | 0.9273% | 2,426 |
| Return on assets (ROA) | 1.0279% | 2,181 |
| Pretax return on assets | 1.3653% | 1,670 |
| Return on Equity (ROE) | 9.0525% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.0525% | 962 |
| Net charge-offs to loans | -0.0048% | 3,861 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2446% | 3,335 |
| Assets per employee ($millions) | 8.7367% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 4,734 |
| Loan loss allowance to noncurrent loans | 150.6568% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 2,927 |
| Noncurrent loans to loans | 0.4112% | 3,020 |
| Net loans and leases to total assets | 91.4000% | 15 |
| Net loans and leases to deposits | 118.5302% | 92 |
| Net loans and leases to core deposits | 126.0660% | 333 |
| Total domestic deposits to total assets | 77.1112% | 4,338 |
| Equity capital to assets | 11.4096% | 2,520 |
| Core capital (leverage) ratio | 11.3552% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6273% | 2,876 |
| Memoranda: | ||
| Average total assets | $458,799,500 | 1,572 |
| Average earning assets | $440,084,000 | 1,520 |
| Average equity | $52,096,000 | 1,597 |
| Average total loans | $413,451,500 | 1,263 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 2,031 |
| Cost of funding earning assets | 1.4991% | 394 |
| Net interest margin | 3.3060% | 3,976 |
| Noninterest income to average assets | 0.2915% | 3,946 |
| Noninterest expense to average assets | 2.1662% | 4,230 |
| Loan and lease loss provision to assets | 0.0112% | 3,790 |
| Net operating income to assets | 0.9575% | 2,990 |
| Return on assets (ROA) | 1.0005% | 2,933 |
| Pretax return on assets | 1.3230% | 2,428 |
| Return on Equity (ROE) | 9.1776% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.1776% | 668 |
| Net charge-offs to loans | 0.0123% | 3,247 |
| Credit loss provision to net charge-offs | 106.3830% | 2,329 |
| Earnings coverage of net charge-offs (x) | 121.1702% | 584 |
| Efficiency ratio | 62.8603% | 3,236 |
| Assets per employee ($millions) | 8.7414% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6491% | 4,660 |
| Loan loss allowance to noncurrent loans | 313.2371% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 3,739 |
| Noncurrent loans to loans | 0.2072% | 3,719 |
| Net loans and leases to total assets | 87.6549% | 94 |
| Net loans and leases to deposits | 116.4312% | 108 |
| Net loans and leases to core deposits | 124.3639% | 377 |
| Total domestic deposits to total assets | 75.2847% | 4,677 |
| Equity capital to assets | 11.2990% | 2,707 |
| Core capital (leverage) ratio | 11.1278% | 2,392 |
| Tier 1 risk-based capital ratio | 12.0400% | 4,340 |
| Total risk-based capital ratio | 12.6584% | 4,552 |
| Memoranda: | ||
| Average total assets | $444,980,200 | 1,577 |
| Average earning assets | $424,588,600 | 1,525 |
| Average equity | $48,509,400 | 1,645 |
| Average total loans | $383,106,200 | 1,312 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 2,151 |
| Cost of funding earning assets | 1.4978% | 408 |
| Net interest margin | 3.2927% | 4,099 |
| Noninterest income to average assets | 0.2594% | 4,194 |
| Noninterest expense to average assets | 2.2000% | 4,180 |
| Loan and lease loss provision to assets | 0.0151% | 3,605 |
| Net operating income to assets | 0.8875% | 3,393 |
| Return on assets (ROA) | 0.9453% | 3,260 |
| Pretax return on assets | 1.2559% | 2,794 |
| Return on Equity (ROE) | 8.7535% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.7535% | 1,115 |
| Net charge-offs to loans | 0.0204% | 2,702 |
| Credit loss provision to net charge-offs | 86.2069% | 2,437 |
| Earnings coverage of net charge-offs (x) | 68.5530% | 972 |
| Efficiency ratio | 64.7486% | 2,902 |
| Assets per employee ($millions) | 8.6384% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 4,730 |
| Loan loss allowance to noncurrent loans | 305.6604% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 3,830 |
| Noncurrent loans to loans | 0.2129% | 3,774 |
| Net loans and leases to total assets | 86.4283% | 167 |
| Net loans and leases to deposits | 110.2008% | 218 |
| Net loans and leases to core deposits | 117.9477% | 596 |
| Total domestic deposits to total assets | 78.4280% | 4,280 |
| Equity capital to assets | 10.8941% | 3,202 |
| Core capital (leverage) ratio | 10.7855% | 2,853 |
| Tier 1 risk-based capital ratio | 11.3874% | 4,727 |
| Total risk-based capital ratio | 11.9931% | 4,917 |
| Memoranda: | ||
| Average total assets | $442,587,250 | 1,586 |
| Average earning assets | $421,855,750 | 1,546 |
| Average equity | $47,796,750 | 1,668 |
| Average total loans | $378,622,750 | 1,336 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 2,144 |
| Cost of funding earning assets | 1.4686% | 423 |
| Net interest margin | 3.3050% | 4,131 |
| Noninterest income to average assets | 0.2245% | 4,402 |
| Noninterest expense to average assets | 2.2130% | 4,195 |
| Loan and lease loss provision to assets | 0.0114% | 3,530 |
| Net operating income to assets | 0.8611% | 3,425 |
| Return on assets (ROA) | 0.9138% | 3,292 |
| Pretax return on assets | 1.2137% | 2,858 |
| Return on Equity (ROE) | 8.4877% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.4877% | 1,212 |
| Net charge-offs to loans | 0.0344% | 2,174 |
| Credit loss provision to net charge-offs | 39.0625% | 2,544 |
| Earnings coverage of net charge-offs (x) | 39.5938% | 1,255 |
| Efficiency ratio | 65.6407% | 2,863 |
| Assets per employee ($millions) | 8.3823% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 4,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.0578% | 212 |
| Net loans and leases to deposits | 111.4859% | 187 |
| Net loans and leases to core deposits | 118.9904% | 576 |
| Total domestic deposits to total assets | 77.1916% | 4,540 |
| Equity capital to assets | 10.9433% | 3,132 |
| Core capital (leverage) ratio | 10.6488% | 2,938 |
| Tier 1 risk-based capital ratio | 11.3541% | 4,765 |
| Total risk-based capital ratio | 11.9703% | 4,947 |
| Memoranda: | ||
| Average total assets | $437,505,000 | 1,601 |
| Average earning assets | $416,575,000 | 1,565 |
| Average equity | $47,103,330 | 1,681 |
| Average total loans | $372,067,000 | 1,360 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 2,223 |
| Cost of funding earning assets | 1.4137% | 435 |
| Net interest margin | 3.2872% | 4,191 |
| Noninterest income to average assets | 0.2055% | 4,516 |
| Noninterest expense to average assets | 2.1911% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8594% | 3,405 |
| Return on assets (ROA) | 0.8864% | 3,339 |
| Pretax return on assets | 1.1766% | 2,890 |
| Return on Equity (ROE) | 8.3027% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.3027% | 1,547 |
| Net charge-offs to loans | -0.0077% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7269% | 2,974 |
| Assets per employee ($millions) | 8.3256% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.4043% | 538 |
| Net loans and leases to deposits | 105.1957% | 349 |
| Net loans and leases to core deposits | 111.6950% | 850 |
| Total domestic deposits to total assets | 78.3343% | 4,462 |
| Equity capital to assets | 10.6580% | 3,199 |
| Core capital (leverage) ratio | 10.5098% | 3,040 |
| Tier 1 risk-based capital ratio | 11.5623% | 4,712 |
| Total risk-based capital ratio | 12.2207% | 4,896 |
| Memoranda: | ||
| Average total assets | $434,126,500 | 1,615 |
| Average earning assets | $413,111,500 | 1,582 |
| Average equity | $46,346,500 | 1,689 |
| Average total loans | $365,659,000 | 1,391 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 2,123 |
| Cost of funding earning assets | 1.0520% | 603 |
| Net interest margin | 3.5497% | 3,545 |
| Noninterest income to average assets | 0.2475% | 4,437 |
| Noninterest expense to average assets | 2.2594% | 4,206 |
| Loan and lease loss provision to assets | 0.0075% | 3,968 |
| Net operating income to assets | 1.0156% | 2,945 |
| Return on assets (ROA) | 1.0160% | 2,929 |
| Pretax return on assets | 1.3392% | 2,368 |
| Return on Equity (ROE) | 9.5106% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.5106% | 734 |
| Net charge-offs to loans | -0.0216% | 4,722 |
| Credit loss provision to net charge-offs | -41.6667% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6638% | 3,411 |
| Assets per employee ($millions) | 8.2115% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 4,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.8945% | 326 |
| Net loans and leases to deposits | 118.5114% | 111 |
| Net loans and leases to core deposits | 123.9021% | 445 |
| Total domestic deposits to total assets | 71.6341% | 5,092 |
| Equity capital to assets | 10.6942% | 2,996 |
| Core capital (leverage) ratio | 10.7373% | 2,805 |
| Tier 1 risk-based capital ratio | 11.3068% | 4,807 |
| Total risk-based capital ratio | 11.9681% | 4,995 |
| Memoranda: | ||
| Average total assets | $400,018,200 | 1,715 |
| Average earning assets | $378,431,600 | 1,684 |
| Average equity | $42,731,200 | 1,746 |
| Average total loans | $333,989,000 | 1,465 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 2,130 |
| Cost of funding earning assets | 0.9782% | 648 |
| Net interest margin | 3.5701% | 3,459 |
| Noninterest income to average assets | 0.2600% | 4,415 |
| Noninterest expense to average assets | 2.3237% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9771% | 3,185 |
| Return on assets (ROA) | 0.9771% | 3,199 |
| Pretax return on assets | 1.3107% | 2,578 |
| Return on Equity (ROE) | 9.1494% | 3,022 |
| Retained earnings to average equity (ytd only) | 9.1494% | 1,165 |
| Net charge-offs to loans | -0.0270% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9366% | 3,200 |
| Assets per employee ($millions) | 7.9921% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 4,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.4290% | 642 |
| Net loans and leases to deposits | 110.5180% | 272 |
| Net loans and leases to core deposits | 114.2712% | 799 |
| Total domestic deposits to total assets | 74.5843% | 4,928 |
| Equity capital to assets | 10.6995% | 2,929 |
| Core capital (leverage) ratio | 10.7890% | 2,805 |
| Tier 1 risk-based capital ratio | 11.6439% | 4,709 |
| Total risk-based capital ratio | 12.3419% | 4,889 |
| Memoranda: | ||
| Average total assets | $393,273,250 | 1,750 |
| Average earning assets | $371,709,250 | 1,718 |
| Average equity | $41,998,000 | 1,786 |
| Average total loans | $326,211,750 | 1,498 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 2,029 |
| Cost of funding earning assets | 0.9379% | 616 |
| Net interest margin | 3.5816% | 3,380 |
| Noninterest income to average assets | 0.2358% | 4,606 |
| Noninterest expense to average assets | 2.3810% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9230% | 3,355 |
| Return on assets (ROA) | 0.9230% | 3,353 |
| Pretax return on assets | 1.2381% | 2,778 |
| Return on Equity (ROE) | 8.6492% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.6492% | 1,337 |
| Net charge-offs to loans | -0.0279% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7895% | 3,018 |
| Assets per employee ($millions) | 7.8895% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 4,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.1114% | 567 |
| Net loans and leases to deposits | 111.5496% | 241 |
| Net loans and leases to core deposits | 115.2590% | 733 |
| Total domestic deposits to total assets | 74.5062% | 5,000 |
| Equity capital to assets | 10.8345% | 2,802 |
| Core capital (leverage) ratio | 10.4838% | 3,047 |
| Tier 1 risk-based capital ratio | 11.7505% | 4,653 |
| Total risk-based capital ratio | 12.4744% | 4,833 |
| Memoranda: | ||
| Average total assets | $388,498,330 | 1,778 |
| Average earning assets | $366,985,000 | 1,744 |
| Average equity | $41,460,330 | 1,809 |
| Average total loans | $322,101,330 | 1,513 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,115 |
| Cost of funding earning assets | 0.8993% | 594 |
| Net interest margin | 3.5248% | 3,440 |
| Noninterest income to average assets | 0.2034% | 4,811 |
| Noninterest expense to average assets | 2.3615% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8736% | 3,401 |
| Return on assets (ROA) | 0.8736% | 3,418 |
| Pretax return on assets | 1.1725% | 2,878 |
| Return on Equity (ROE) | 8.2507% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.2507% | 1,749 |
| Net charge-offs to loans | -0.0465% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8233% | 3,029 |
| Assets per employee ($millions) | 7.8631% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.8644% | 681 |
| Net loans and leases to deposits | 110.7943% | 233 |
| Net loans and leases to core deposits | 114.9311% | 763 |
| Total domestic deposits to total assets | 73.8886% | 5,168 |
| Equity capital to assets | 10.6688% | 2,898 |
| Core capital (leverage) ratio | 10.4081% | 3,055 |
| Tier 1 risk-based capital ratio | 11.6818% | 4,751 |
| Total risk-based capital ratio | 12.4225% | 4,939 |
| Memoranda: | ||
| Average total assets | $385,511,000 | 1,795 |
| Average earning assets | $364,280,000 | 1,771 |
| Average equity | $40,821,000 | 1,836 |
| Average total loans | $317,954,500 | 1,531 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 2,259 |
| Cost of funding earning assets | 0.7000% | 1,018 |
| Net interest margin | 3.6211% | 3,099 |
| Noninterest income to average assets | 0.1925% | 4,989 |
| Noninterest expense to average assets | 2.4100% | 4,051 |
| Loan and lease loss provision to assets | 0.1341% | 1,711 |
| Net operating income to assets | 0.1512% | 5,197 |
| Return on assets (ROA) | 0.1553% | 5,195 |
| Pretax return on assets | 1.1001% | 3,185 |
| Return on Equity (ROE) | 1.5005% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.5005% | 4,403 |
| Net charge-offs to loans | 0.3116% | 819 |
| Credit loss provision to net charge-offs | 52.2876% | 3,301 |
| Earnings coverage of net charge-offs (x) | 4.7876% | 3,412 |
| Efficiency ratio | 66.2494% | 3,218 |
| Assets per employee ($millions) | 7.8723% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.7807% | 710 |
| Net loans and leases to deposits | 111.8336% | 219 |
| Net loans and leases to core deposits | 116.7909% | 696 |
| Total domestic deposits to total assets | 73.1271% | 5,245 |
| Equity capital to assets | 10.5055% | 3,166 |
| Core capital (leverage) ratio | 9.8801% | 3,605 |
| Tier 1 risk-based capital ratio | 11.1770% | 5,048 |
| Total risk-based capital ratio | 11.9386% | 5,194 |
| Memoranda: | ||
| Average total assets | $357,971,600 | 1,877 |
| Average earning assets | $340,586,800 | 1,837 |
| Average equity | $37,055,200 | 1,975 |
| Average total loans | $294,623,800 | 1,591 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 2,388 |
| Cost of funding earning assets | 0.6626% | 1,168 |
| Net interest margin | 3.6001% | 3,151 |
| Noninterest income to average assets | 0.1836% | 5,099 |
| Noninterest expense to average assets | 2.4222% | 3,957 |
| Loan and lease loss provision to assets | 0.0793% | 2,498 |
| Net operating income to assets | 0.6887% | 4,033 |
| Return on assets (ROA) | 0.6942% | 4,083 |
| Pretax return on assets | 1.1222% | 3,225 |
| Return on Equity (ROE) | 6.7334% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.7334% | 1,831 |
| Net charge-offs to loans | -0.0730% | 5,287 |
| Credit loss provision to net charge-offs | -132.0755% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0045% | 3,049 |
| Assets per employee ($millions) | 7.2681% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,708 |
| Loan loss allowance to noncurrent loans | 236.7479% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,520 |
| Noncurrent loans to loans | 0.4496% | 3,353 |
| Net loans and leases to total assets | 82.8708% | 562 |
| Net loans and leases to deposits | 111.7186% | 224 |
| Net loans and leases to core deposits | 114.7334% | 796 |
| Total domestic deposits to total assets | 74.1782% | 5,223 |
| Equity capital to assets | 10.1187% | 3,781 |
| Core capital (leverage) ratio | 9.1288% | 4,601 |
| Tier 1 risk-based capital ratio | 10.2700% | 5,521 |
| Total risk-based capital ratio | 11.3053% | 5,544 |
| Memoranda: | ||
| Average total assets | $352,997,500 | 1,911 |
| Average earning assets | $336,466,500 | 1,868 |
| Average equity | $36,394,750 | 2,015 |
| Average total loans | $290,399,500 | 1,616 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,475 |
| Cost of funding earning assets | 0.6293% | 1,272 |
| Net interest margin | 3.5701% | 3,147 |
| Noninterest income to average assets | 0.1314% | 5,392 |
| Noninterest expense to average assets | 2.4603% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6619% | 4,019 |
| Return on assets (ROA) | 0.6626% | 4,071 |
| Pretax return on assets | 1.0717% | 3,295 |
| Return on Equity (ROE) | 6.3846% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.3846% | 1,907 |
| Net charge-offs to loans | -0.0381% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6802% | 2,729 |
| Assets per employee ($millions) | 7.2420% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 4,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.1490% | 648 |
| Net loans and leases to deposits | 107.7802% | 328 |
| Net loans and leases to core deposits | 109.9700% | 1,005 |
| Total domestic deposits to total assets | 76.2190% | 5,064 |
| Equity capital to assets | 10.3729% | 3,487 |
| Core capital (leverage) ratio | 9.1290% | 4,580 |
| Tier 1 risk-based capital ratio | 10.4146% | 5,499 |
| Total risk-based capital ratio | 11.3981% | 5,539 |
| Memoranda: | ||
| Average total assets | $347,106,330 | 1,938 |
| Average earning assets | $330,522,330 | 1,902 |
| Average equity | $36,024,000 | 2,027 |
| Average total loans | $283,705,000 | 1,645 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 2,892 |
| Cost of funding earning assets | 0.5923% | 1,430 |
| Net interest margin | 3.4507% | 3,445 |
| Noninterest income to average assets | 0.1119% | 5,548 |
| Noninterest expense to average assets | 2.4858% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5594% | 4,331 |
| Return on assets (ROA) | 0.5594% | 4,378 |
| Pretax return on assets | 0.9055% | 3,751 |
| Return on Equity (ROE) | 5.3885% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.3885% | 2,675 |
| Net charge-offs to loans | -0.0316% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2990% | 2,358 |
| Assets per employee ($millions) | 7.0178% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 4,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.6360% | 747 |
| Net loans and leases to deposits | 105.5691% | 334 |
| Net loans and leases to core deposits | 107.9338% | 982 |
| Total domestic deposits to total assets | 76.3822% | 5,191 |
| Equity capital to assets | 10.2349% | 3,479 |
| Core capital (leverage) ratio | 9.1735% | 4,519 |
| Tier 1 risk-based capital ratio | 10.5770% | 5,508 |
| Total risk-based capital ratio | 11.6008% | 5,536 |
| Memoranda: | ||
| Average total assets | $343,230,000 | 1,972 |
| Average earning assets | $326,192,000 | 1,931 |
| Average equity | $35,631,500 | 2,055 |
| Average total loans | $278,306,000 | 1,683 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,306 |
| Cost of funding earning assets | 0.5755% | 1,512 |
| Net interest margin | 3.6765% | 2,789 |
| Noninterest income to average assets | 0.1356% | 5,510 |
| Noninterest expense to average assets | 2.6147% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6049% | 4,185 |
| Return on assets (ROA) | 0.6306% | 4,198 |
| Pretax return on assets | 1.0189% | 3,406 |
| Return on Equity (ROE) | 5.6301% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.6301% | 1,935 |
| Net charge-offs to loans | 0.0480% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 26.0776% | 1,564 |
| Efficiency ratio | 72.7625% | 2,467 |
| Assets per employee ($millions) | 6.5798% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 3,799 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.7969% | 922 |
| Net loans and leases to deposits | 99.2454% | 722 |
| Net loans and leases to core deposits | 101.1670% | 1,522 |
| Total domestic deposits to total assets | 80.4036% | 4,478 |
| Equity capital to assets | 10.5343% | 3,113 |
| Core capital (leverage) ratio | 9.2486% | 4,410 |
| Tier 1 risk-based capital ratio | 10.9237% | 5,383 |
| Total risk-based capital ratio | 12.0009% | 5,364 |
| Memoranda: | ||
| Average total assets | $309,057,000 | 2,117 |
| Average earning assets | $290,685,800 | 2,099 |
| Average equity | $34,617,600 | 2,098 |
| Average total loans | $241,487,000 | 1,837 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,555 |
| Cost of funding earning assets | 0.5715% | 1,537 |
| Net interest margin | 3.6157% | 3,015 |
| Noninterest income to average assets | 0.1234% | 5,629 |
| Noninterest expense to average assets | 2.6589% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5271% | 4,584 |
| Return on assets (ROA) | 0.5621% | 4,554 |
| Pretax return on assets | 0.9082% | 3,954 |
| Return on Equity (ROE) | 4.9368% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.9368% | 2,872 |
| Net charge-offs to loans | 0.1070% | 1,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.2979% | 2,586 |
| Efficiency ratio | 75.6998% | 2,022 |
| Assets per employee ($millions) | 6.7160% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 3,878 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.4085% | 1,129 |
| Net loans and leases to deposits | 91.3930% | 1,583 |
| Net loans and leases to core deposits | 93.1138% | 2,265 |
| Total domestic deposits to total assets | 85.7926% | 2,454 |
| Equity capital to assets | 10.9437% | 3,067 |
| Core capital (leverage) ratio | 9.2729% | 4,498 |
| Tier 1 risk-based capital ratio | 10.9851% | 5,377 |
| Total risk-based capital ratio | 12.0806% | 5,373 |
| Memoranda: | ||
| Average total assets | $302,428,250 | 2,160 |
| Average earning assets | $283,459,500 | 2,141 |
| Average equity | $34,434,500 | 2,122 |
| Average total loans | $234,180,750 | 1,876 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,519 |
| Cost of funding earning assets | 0.5634% | 1,590 |
| Net interest margin | 3.6334% | 2,959 |
| Noninterest income to average assets | 0.0832% | 5,834 |
| Noninterest expense to average assets | 2.7412% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4509% | 4,866 |
| Return on assets (ROA) | 0.4868% | 4,834 |
| Pretax return on assets | 0.7864% | 4,334 |
| Return on Equity (ROE) | 4.2163% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.2163% | 3,226 |
| Net charge-offs to loans | 0.1779% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.3465% | 2,871 |
| Efficiency ratio | 78.9638% | 1,641 |
| Assets per employee ($millions) | 6.8854% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 3,925 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.1097% | 1,630 |
| Net loans and leases to deposits | 95.5141% | 1,128 |
| Net loans and leases to core deposits | 97.0070% | 1,891 |
| Total domestic deposits to total assets | 78.6373% | 4,866 |
| Equity capital to assets | 10.9393% | 3,121 |
| Core capital (leverage) ratio | 9.5762% | 4,097 |
| Tier 1 risk-based capital ratio | 11.0852% | 5,373 |
| Total risk-based capital ratio | 12.2208% | 5,365 |
| Memoranda: | ||
| Average total assets | $295,782,000 | 2,205 |
| Average earning assets | $275,826,670 | 2,197 |
| Average equity | $34,153,000 | 2,140 |
| Average total loans | $227,032,000 | 1,938 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 2,171 |
| Cost of funding earning assets | 0.5801% | 1,476 |
| Net interest margin | 3.7080% | 2,636 |
| Noninterest income to average assets | 0.2538% | 4,926 |
| Noninterest expense to average assets | 2.7661% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5692% | 4,321 |
| Return on assets (ROA) | 0.5916% | 4,329 |
| Pretax return on assets | 0.9548% | 3,645 |
| Return on Equity (ROE) | 4.9785% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.9785% | 2,955 |
| Net charge-offs to loans | 0.2344% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.0853% | 2,364 |
| Efficiency ratio | 75.0475% | 2,325 |
| Assets per employee ($millions) | 5.9219% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0397% | 844 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.1267% | 1,529 |
| Net loans and leases to deposits | 89.9779% | 1,582 |
| Net loans and leases to core deposits | 91.9262% | 2,190 |
| Total domestic deposits to total assets | 83.4946% | 3,710 |
| Equity capital to assets | 12.0572% | 1,987 |
| Core capital (leverage) ratio | 9.6797% | 3,937 |
| Tier 1 risk-based capital ratio | 11.8603% | 5,001 |
| Total risk-based capital ratio | 13.1255% | 4,900 |
| Memoranda: | ||
| Average total assets | $285,308,000 | 2,276 |
| Average earning assets | $264,078,500 | 2,275 |
| Average equity | $33,905,500 | 2,150 |
| Average total loans | $220,175,500 | 1,983 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 2,081 |
| Cost of funding earning assets | 0.5753% | 1,545 |
| Net interest margin | 3.7681% | 2,493 |
| Noninterest income to average assets | 0.2029% | 5,381 |
| Noninterest expense to average assets | 2.7766% | 3,324 |
| Loan and lease loss provision to assets | 0.0515% | 3,290 |
| Net operating income to assets | 0.5141% | 4,642 |
| Return on assets (ROA) | 0.5537% | 4,575 |
| Pretax return on assets | 0.8888% | 3,884 |
| Return on Equity (ROE) | 4.9191% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.9191% | 2,481 |
| Net charge-offs to loans | 0.0973% | 2,446 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 12.1773% | 2,491 |
| Efficiency ratio | 75.9650% | 2,273 |
| Assets per employee ($millions) | 6.0928% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,594 |
| Loan loss allowance to noncurrent loans | 1,549.2386% | 408 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 809 |
| Noncurrent loans to loans | 0.0880% | 5,145 |
| Net loans and leases to total assets | 77.1140% | 1,235 |
| Net loans and leases to deposits | 95.5258% | 1,064 |
| Net loans and leases to core deposits | 98.4806% | 1,635 |
| Total domestic deposits to total assets | 80.7259% | 4,561 |
| Equity capital to assets | 11.7117% | 2,185 |
| Core capital (leverage) ratio | 9.5410% | 4,115 |
| Tier 1 risk-based capital ratio | 11.3719% | 5,327 |
| Total risk-based capital ratio | 12.6457% | 5,213 |
| Memoranda: | ||
| Average total assets | $281,382,800 | 2,260 |
| Average earning assets | $257,797,800 | 2,279 |
| Average equity | $31,672,200 | 2,217 |
| Average total loans | $208,581,400 | 2,005 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 2,188 |
| Cost of funding earning assets | 0.5862% | 1,490 |
| Net interest margin | 3.7256% | 2,661 |
| Noninterest income to average assets | 0.1452% | 5,756 |
| Noninterest expense to average assets | 2.8100% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4601% | 4,934 |
| Return on assets (ROA) | 0.5131% | 4,831 |
| Pretax return on assets | 0.8239% | 4,258 |
| Return on Equity (ROE) | 4.6059% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.6059% | 3,195 |
| Net charge-offs to loans | 0.0241% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 42.0829% | 1,192 |
| Efficiency ratio | 79.1315% | 1,785 |
| Assets per employee ($millions) | 5.8935% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,592 |
| Loan loss allowance to noncurrent loans | 954.6584% | 606 |
| Noncurrent assets plus other real estate owned to assets | 2.2440% | 833 |
| Noncurrent loans to loans | 0.1467% | 5,054 |
| Net loans and leases to total assets | 76.4838% | 1,318 |
| Net loans and leases to deposits | 90.8688% | 1,543 |
| Net loans and leases to core deposits | 94.0946% | 2,067 |
| Total domestic deposits to total assets | 84.1695% | 3,353 |
| Equity capital to assets | 11.7014% | 2,351 |
| Core capital (leverage) ratio | 8.9719% | 5,024 |
| Tier 1 risk-based capital ratio | 10.7549% | 5,778 |
| Total risk-based capital ratio | 12.0331% | 5,693 |
| Memoranda: | ||
| Average total assets | $280,137,750 | 2,282 |
| Average earning assets | $256,092,000 | 2,306 |
| Average equity | $31,205,750 | 2,260 |
| Average total loans | $204,757,250 | 2,044 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,263 |
| Cost of funding earning assets | 0.5980% | 1,428 |
| Net interest margin | 3.6770% | 2,807 |
| Noninterest income to average assets | 0.0903% | 6,061 |
| Noninterest expense to average assets | 2.8250% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3824% | 5,195 |
| Return on assets (ROA) | 0.4319% | 5,135 |
| Pretax return on assets | 0.6941% | 4,674 |
| Return on Equity (ROE) | 3.9446% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.9446% | 3,498 |
| Net charge-offs to loans | 0.0450% | 2,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.1333% | 1,767 |
| Efficiency ratio | 82.0812% | 1,481 |
| Assets per employee ($millions) | 6.0423% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,658 |
| Loan loss allowance to noncurrent loans | 236.1325% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5339% | 740 |
| Noncurrent loans to loans | 0.6018% | 3,663 |
| Net loans and leases to total assets | 73.3118% | 1,769 |
| Net loans and leases to deposits | 89.6068% | 1,646 |
| Net loans and leases to core deposits | 93.3062% | 2,024 |
| Total domestic deposits to total assets | 81.8150% | 4,354 |
| Equity capital to assets | 10.7268% | 3,188 |
| Core capital (leverage) ratio | 8.1676% | 5,816 |
| Tier 1 risk-based capital ratio | 10.0270% | 6,080 |
| Total risk-based capital ratio | 11.3064% | 6,021 |
| Memoranda: | ||
| Average total assets | $279,220,330 | 2,309 |
| Average earning assets | $254,501,670 | 2,337 |
| Average equity | $30,573,670 | 2,299 |
| Average total loans | $199,863,330 | 2,092 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,472 |
| Cost of funding earning assets | 0.5907% | 1,499 |
| Net interest margin | 3.6051% | 2,976 |
| Noninterest income to average assets | 0.1461% | 5,864 |
| Noninterest expense to average assets | 2.9246% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3154% | 5,358 |
| Return on assets (ROA) | 0.4163% | 5,130 |
| Pretax return on assets | 0.6691% | 4,697 |
| Return on Equity (ROE) | 3.7618% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.7618% | 3,749 |
| Net charge-offs to loans | 0.1167% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,313 |
| Efficiency ratio | 85.1190% | 1,260 |
| Assets per employee ($millions) | 5.7530% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 2,374 |
| Loan loss allowance to noncurrent loans | 232.2433% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 3.1542% | 571 |
| Noncurrent loans to loans | 0.6540% | 3,638 |
| Net loans and leases to total assets | 71.7092% | 1,854 |
| Net loans and leases to deposits | 82.5207% | 2,276 |
| Net loans and leases to core deposits | 85.1974% | 2,632 |
| Total domestic deposits to total assets | 86.8985% | 2,427 |
| Equity capital to assets | 11.0649% | 2,903 |
| Core capital (leverage) ratio | 8.2453% | 5,779 |
| Tier 1 risk-based capital ratio | 9.7691% | 6,225 |
| Total risk-based capital ratio | 11.0494% | 6,177 |
| Memoranda: | ||
| Average total assets | $273,815,000 | 2,360 |
| Average earning assets | $249,870,000 | 2,383 |
| Average equity | $30,305,000 | 2,330 |
| Average total loans | $191,949,000 | 2,163 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,958 |
| Cost of funding earning assets | 0.6182% | 1,618 |
| Net interest margin | 3.5814% | 3,469 |
| Noninterest income to average assets | 0.1088% | 6,118 |
| Noninterest expense to average assets | 2.9309% | 3,049 |
| Loan and lease loss provision to assets | 0.0383% | 3,813 |
| Net operating income to assets | 3.9120% | 60 |
| Return on assets (ROA) | 4.0227% | 56 |
| Pretax return on assets | 0.5279% | 5,175 |
| Return on Equity (ROE) | 45.2793% | 19 |
| Retained earnings to average equity (ytd only) | 45.2793% | 9 |
| Net charge-offs to loans | 0.2520% | 1,699 |
| Credit loss provision to net charge-offs | 23.2019% | 3,933 |
| Earnings coverage of net charge-offs (x) | 2.7587% | 4,074 |
| Efficiency ratio | 86.5498% | 1,112 |
| Assets per employee ($millions) | 5.6560% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 1,772 |
| Loan loss allowance to noncurrent loans | 222.4607% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 3.2657% | 586 |
| Noncurrent loans to loans | 0.7647% | 3,403 |
| Net loans and leases to total assets | 66.1962% | 2,852 |
| Net loans and leases to deposits | 78.8849% | 2,854 |
| Net loans and leases to core deposits | 81.2983% | 3,168 |
| Total domestic deposits to total assets | 83.9149% | 3,756 |
| Equity capital to assets | 11.0705% | 2,832 |
| Core capital (leverage) ratio | 8.4213% | 5,641 |
| Tier 1 risk-based capital ratio | 10.9313% | 5,934 |
| Total risk-based capital ratio | 12.1846% | 5,865 |
| Memoranda: | ||
| Average total assets | $261,045,000 | 2,418 |
| Average earning assets | $238,903,200 | 2,436 |
| Average equity | $23,191,600 | 2,830 |
| Average total loans | $171,051,400 | 2,315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,122 |
| Cost of funding earning assets | 0.6191% | 1,680 |
| Net interest margin | 3.5436% | 3,654 |
| Noninterest income to average assets | 0.0913% | 6,278 |
| Noninterest expense to average assets | 2.9278% | 3,029 |
| Loan and lease loss provision to assets | 0.0516% | 3,343 |
| Net operating income to assets | 5.1581% | 45 |
| Return on assets (ROA) | 5.2665% | 41 |
| Pretax return on assets | 0.4685% | 5,411 |
| Return on Equity (ROE) | 63.3753% | 8 |
| Retained earnings to average equity (ytd only) | 63.3753% | 2 |
| Net charge-offs to loans | 0.4116% | 962 |
| Credit loss provision to net charge-offs | 19.2678% | 3,584 |
| Earnings coverage of net charge-offs (x) | 1.5376% | 4,136 |
| Efficiency ratio | 87.6719% | 1,031 |
| Assets per employee ($millions) | 5.8497% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 1,979 |
| Loan loss allowance to noncurrent loans | 213.4181% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 3.2852% | 674 |
| Noncurrent loans to loans | 0.7956% | 3,595 |
| Net loans and leases to total assets | 63.6327% | 3,241 |
| Net loans and leases to deposits | 73.3713% | 3,511 |
| Net loans and leases to core deposits | 75.3907% | 3,821 |
| Total domestic deposits to total assets | 86.7270% | 2,459 |
| Equity capital to assets | 10.6898% | 3,318 |
| Core capital (leverage) ratio | 8.6911% | 5,450 |
| Tier 1 risk-based capital ratio | 10.7958% | 6,094 |
| Total risk-based capital ratio | 12.0491% | 6,041 |
| Memoranda: | ||
| Average total assets | $258,434,500 | 2,467 |
| Average earning assets | $236,893,750 | 2,475 |
| Average equity | $21,475,750 | 3,008 |
| Average total loans | $168,108,250 | 2,355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,180 |
| Cost of funding earning assets | 0.6215% | 1,723 |
| Net interest margin | 3.5209% | 3,696 |
| Noninterest income to average assets | 0.0625% | 6,403 |
| Noninterest expense to average assets | 2.9249% | 3,084 |
| Loan and lease loss provision to assets | 0.0791% | 2,707 |
| Net operating income to assets | 0.3108% | 5,532 |
| Return on assets (ROA) | 0.4128% | 5,245 |
| Pretax return on assets | 0.4128% | 5,520 |
| Return on Equity (ROE) | 5.5421% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.5421% | 2,614 |
| Net charge-offs to loans | 0.6492% | 596 |
| Credit loss provision to net charge-offs | 18.6916% | 3,216 |
| Earnings coverage of net charge-offs (x) | 0.9215% | 3,934 |
| Efficiency ratio | 88.2395% | 1,062 |
| Assets per employee ($millions) | 5.5290% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 1,839 |
| Loan loss allowance to noncurrent loans | 172.3624% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 3.6896% | 614 |
| Noncurrent loans to loans | 1.0444% | 3,144 |
| Net loans and leases to total assets | 64.4710% | 3,003 |
| Net loans and leases to deposits | 71.6130% | 3,625 |
| Net loans and leases to core deposits | 73.2526% | 3,925 |
| Total domestic deposits to total assets | 90.0270% | 796 |
| Equity capital to assets | 7.7386% | 6,281 |
| Core capital (leverage) ratio | 8.1903% | 5,937 |
| Tier 1 risk-based capital ratio | 10.8438% | 6,114 |
| Total risk-based capital ratio | 12.0980% | 6,060 |
| Memoranda: | ||
| Average total assets | $252,934,670 | 2,519 |
| Average earning assets | $233,634,000 | 2,505 |
| Average equity | $18,837,670 | 3,306 |
| Average total loans | $164,821,000 | 2,397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 3,292 |
| Cost of funding earning assets | 0.6276% | 1,752 |
| Net interest margin | 3.4709% | 3,819 |
| Noninterest income to average assets | 0.1269% | 6,211 |
| Noninterest expense to average assets | 2.9385% | 3,086 |
| Loan and lease loss provision to assets | 0.0793% | 2,562 |
| Net operating income to assets | 0.3013% | 5,489 |
| Return on assets (ROA) | 0.3425% | 5,403 |
| Pretax return on assets | 0.3425% | 5,616 |
| Return on Equity (ROE) | 4.6917% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.6917% | 3,300 |
| Net charge-offs to loans | -0.0293% | 5,544 |
| Credit loss provision to net charge-offs | -416.6667% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5332% | 1,172 |
| Assets per employee ($millions) | 5.7832% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 1,281 |
| Loan loss allowance to noncurrent loans | 237.6526% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 4.7705% | 446 |
| Noncurrent loans to loans | 0.8943% | 3,646 |
| Net loans and leases to total assets | 63.3961% | 2,998 |
| Net loans and leases to deposits | 70.8864% | 3,488 |
| Net loans and leases to core deposits | 72.2099% | 3,851 |
| Total domestic deposits to total assets | 89.4333% | 1,406 |
| Equity capital to assets | 7.3811% | 6,353 |
| Core capital (leverage) ratio | 8.1070% | 6,034 |
| Tier 1 risk-based capital ratio | 10.7689% | 6,251 |
| Total risk-based capital ratio | 12.0265% | 6,210 |
| Memoranda: | ||
| Average total assets | $252,234,000 | 2,536 |
| Average earning assets | $231,984,500 | 2,529 |
| Average equity | $18,415,500 | 3,368 |
| Average total loans | $163,742,000 | 2,412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,990 |
| Cost of funding earning assets | 0.7194% | 1,680 |
| Net interest margin | 3.5727% | 3,594 |
| Noninterest income to average assets | 0.0446% | 6,560 |
| Noninterest expense to average assets | 3.0498% | 2,900 |
| Loan and lease loss provision to assets | 0.0391% | 4,337 |
| Net operating income to assets | 0.1903% | 5,852 |
| Return on assets (ROA) | 0.3244% | 5,541 |
| Pretax return on assets | 0.4246% | 5,428 |
| Return on Equity (ROE) | 5.9757% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.9757% | 1,989 |
| Net charge-offs to loans | 0.8910% | 685 |
| Credit loss provision to net charge-offs | 6.5963% | 4,630 |
| Earnings coverage of net charge-offs (x) | 0.4842% | 4,919 |
| Efficiency ratio | 91.3920% | 917 |
| Assets per employee ($millions) | 6.2502% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 1,309 |
| Loan loss allowance to noncurrent loans | 146.2388% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 5.6538% | 363 |
| Noncurrent loans to loans | 1.4465% | 2,721 |
| Net loans and leases to total assets | 63.6869% | 3,099 |
| Net loans and leases to deposits | 70.3502% | 3,738 |
| Net loans and leases to core deposits | 71.4754% | 4,131 |
| Total domestic deposits to total assets | 90.5283% | 796 |
| Equity capital to assets | 7.2193% | 6,393 |
| Core capital (leverage) ratio | 8.0049% | 6,131 |
| Tier 1 risk-based capital ratio | 10.7752% | 6,272 |
| Total risk-based capital ratio | 12.0324% | 6,218 |
| Memoranda: | ||
| Average total assets | $255,522,400 | 2,478 |
| Average earning assets | $235,481,400 | 2,464 |
| Average equity | $13,872,800 | 4,093 |
| Average total loans | $170,154,800 | 2,302 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,877 |
| Cost of funding earning assets | 0.7348% | 1,707 |
| Net interest margin | 3.5932% | 3,473 |
| Noninterest income to average assets | 0.0016% | 6,737 |
| Noninterest expense to average assets | 3.0958% | 2,668 |
| Loan and lease loss provision to assets | 0.0519% | 3,988 |
| Net operating income to assets | 0.1125% | 6,114 |
| Return on assets (ROA) | 0.2694% | 5,824 |
| Pretax return on assets | 0.4022% | 5,616 |
| Return on Equity (ROE) | 5.3940% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.3940% | 2,805 |
| Net charge-offs to loans | 1.2246% | 442 |
| Credit loss provision to net charge-offs | 6.3291% | 4,265 |
| Earnings coverage of net charge-offs (x) | 0.2684% | 4,775 |
| Efficiency ratio | 93.3636% | 772 |
| Assets per employee ($millions) | 6.2416% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 1,722 |
| Loan loss allowance to noncurrent loans | 166.8478% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 5.4012% | 490 |
| Noncurrent loans to loans | 1.1978% | 3,425 |
| Net loans and leases to total assets | 64.7083% | 2,871 |
| Net loans and leases to deposits | 69.9126% | 3,797 |
| Net loans and leases to core deposits | 71.2354% | 4,190 |
| Total domestic deposits to total assets | 92.5559% | 171 |
| Equity capital to assets | 5.1233% | 6,766 |
| Core capital (leverage) ratio | 5.8497% | 6,730 |
| Tier 1 risk-based capital ratio | 7.7989% | 6,774 |
| Total risk-based capital ratio | 9.0552% | 6,775 |
| Memoranda: | ||
| Average total assets | $256,900,750 | 2,483 |
| Average earning assets | $236,963,250 | 2,466 |
| Average equity | $12,828,750 | 4,344 |
| Average total loans | $172,027,500 | 2,287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,634 |
| Cost of funding earning assets | 0.7476% | 1,725 |
| Net interest margin | 3.6356% | 3,224 |
| Noninterest income to average assets | -0.0428% | 6,835 |
| Noninterest expense to average assets | 3.0828% | 2,717 |
| Loan and lease loss provision to assets | 0.0778% | 3,505 |
| Net operating income to assets | 0.0850% | 6,164 |
| Return on assets (ROA) | 0.3094% | 5,723 |
| Pretax return on assets | 0.5085% | 5,340 |
| Return on Equity (ROE) | 6.2507% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.2507% | 2,297 |
| Net charge-offs to loans | 1.3453% | 419 |
| Credit loss provision to net charge-offs | 8.5911% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.2603% | 4,460 |
| Efficiency ratio | 92.9007% | 826 |
| Assets per employee ($millions) | 6.2031% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2205% | 1,382 |
| Loan loss allowance to noncurrent loans | 98.7246% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 6.2242% | 427 |
| Noncurrent loans to loans | 2.2492% | 2,120 |
| Net loans and leases to total assets | 65.6716% | 2,648 |
| Net loans and leases to deposits | 72.2667% | 3,414 |
| Net loans and leases to core deposits | 73.5048% | 3,870 |
| Total domestic deposits to total assets | 90.8740% | 590 |
| Equity capital to assets | 4.7851% | 6,835 |
| Core capital (leverage) ratio | 5.1179% | 6,821 |
| Tier 1 risk-based capital ratio | 6.8182% | 6,854 |
| Total risk-based capital ratio | 8.0773% | 6,857 |
| Memoranda: | ||
| Average total assets | $257,232,000 | 2,487 |
| Average earning assets | $237,817,000 | 2,466 |
| Average equity | $12,734,670 | 4,390 |
| Average total loans | $173,046,670 | 2,280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 3,748 |
| Cost of funding earning assets | 0.7505% | 1,847 |
| Net interest margin | 3.3438% | 4,338 |
| Noninterest income to average assets | -0.1160% | 6,925 |
| Noninterest expense to average assets | 3.0555% | 2,819 |
| Loan and lease loss provision to assets | 0.1546% | 2,323 |
| Net operating income to assets | -0.2060% | 6,521 |
| Return on assets (ROA) | 0.1701% | 6,081 |
| Pretax return on assets | 0.3618% | 5,673 |
| Return on Equity (ROE) | 3.3802% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.3802% | 4,226 |
| Net charge-offs to loans | 2.5356% | 160 |
| Credit loss provision to net charge-offs | 9.0580% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.0417% | 3,835 |
| Efficiency ratio | 102.3834% | 474 |
| Assets per employee ($millions) | 6.0630% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2093% | 1,567 |
| Loan loss allowance to noncurrent loans | 31.6859% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 8.9332% | 253 |
| Noncurrent loans to loans | 6.9725% | 423 |
| Net loans and leases to total assets | 66.9735% | 2,205 |
| Net loans and leases to deposits | 74.8899% | 2,788 |
| Net loans and leases to core deposits | 76.0517% | 3,319 |
| Total domestic deposits to total assets | 89.4293% | 1,398 |
| Equity capital to assets | 5.0933% | 6,885 |
| Core capital (leverage) ratio | 4.8798% | 6,887 |
| Tier 1 risk-based capital ratio | 6.4668% | 6,915 |
| Total risk-based capital ratio | 7.7257% | 6,918 |
| Memoranda: | ||
| Average total assets | $258,683,500 | 2,504 |
| Average earning assets | $239,846,000 | 2,474 |
| Average equity | $13,017,000 | 4,380 |
| Average total loans | $174,162,500 | 2,280 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2310% | 4,473 |
| Cost of funding earning assets | 0.8378% | 2,373 |
| Net interest margin | 3.3932% | 4,907 |
| Noninterest income to average assets | 0.0745% | 6,605 |
| Noninterest expense to average assets | 3.3453% | 2,201 |
| Loan and lease loss provision to assets | 1.2793% | 274 |
| Net operating income to assets | -1.2832% | 6,817 |
| Return on assets (ROA) | -1.0322% | 6,772 |
| Pretax return on assets | -1.0662% | 6,748 |
| Return on Equity (ROE) | -19.5760% | 6,876 |
| Retained earnings to average equity (ytd only) | -19.5760% | 6,842 |
| Net charge-offs to loans | 2.2122% | 306 |
| Credit loss provision to net charge-offs | 83.4356% | 3,718 |
| Earnings coverage of net charge-offs (x) | -0.0297% | 5,501 |
| Efficiency ratio | 101.3816% | 512 |
| Assets per employee ($millions) | 6.2552% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7926% | 825 |
| Loan loss allowance to noncurrent loans | 33.7081% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 9.5128% | 239 |
| Noncurrent loans to loans | 8.2846% | 344 |
| Net loans and leases to total assets | 64.3533% | 2,835 |
| Net loans and leases to deposits | 71.2373% | 3,532 |
| Net loans and leases to core deposits | 72.4266% | 3,991 |
| Total domestic deposits to total assets | 90.3365% | 780 |
| Equity capital to assets | 4.9726% | 6,955 |
| Core capital (leverage) ratio | 4.7251% | 6,950 |
| Tier 1 risk-based capital ratio | 6.4889% | 6,974 |
| Total risk-based capital ratio | 7.7541% | 6,976 |
| Memoranda: | ||
| Average total assets | $276,391,200 | 2,297 |
| Average earning assets | $262,701,400 | 2,211 |
| Average equity | $14,574,000 | 4,045 |
| Average total loans | $191,576,600 | 2,081 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 4,812 |
| Cost of funding earning assets | 0.8535% | 2,511 |
| Net interest margin | 3.3479% | 5,221 |
| Noninterest income to average assets | 0.0295% | 6,866 |
| Noninterest expense to average assets | 3.1159% | 2,841 |
| Loan and lease loss provision to assets | 1.5934% | 191 |
| Net operating income to assets | -1.3949% | 6,945 |
| Return on assets (ROA) | -1.0759% | 6,904 |
| Pretax return on assets | -1.1407% | 6,900 |
| Return on Equity (ROE) | -20.1357% | 6,993 |
| Retained earnings to average equity (ytd only) | -20.1357% | 6,977 |
| Net charge-offs to loans | 2.7164% | 222 |
| Credit loss provision to net charge-offs | 83.7466% | 3,505 |
| Earnings coverage of net charge-offs (x) | 0.0596% | 5,307 |
| Efficiency ratio | 96.4881% | 659 |
| Assets per employee ($millions) | 6.4264% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5797% | 1,103 |
| Loan loss allowance to noncurrent loans | 21.3024% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 9.9497% | 247 |
| Noncurrent loans to loans | 12.1097% | 166 |
| Net loans and leases to total assets | 68.6993% | 2,174 |
| Net loans and leases to deposits | 75.5668% | 3,047 |
| Net loans and leases to core deposits | 76.7875% | 3,628 |
| Total domestic deposits to total assets | 90.9121% | 438 |
| Equity capital to assets | 5.0821% | 7,044 |
| Core capital (leverage) ratio | 4.8123% | 7,041 |
| Tier 1 risk-based capital ratio | 6.3876% | 7,074 |
| Total risk-based capital ratio | 7.6516% | 7,076 |
| Memoranda: | ||
| Average total assets | $279,809,000 | 2,297 |
| Average earning assets | $267,426,250 | 2,204 |
| Average equity | $14,951,500 | 4,015 |
| Average total loans | $195,989,250 | 2,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 4,762 |
| Cost of funding earning assets | 0.8739% | 2,615 |
| Net interest margin | 3.3765% | 5,181 |
| Noninterest income to average assets | -0.0297% | 7,032 |
| Noninterest expense to average assets | 3.1557% | 2,730 |
| Loan and lease loss provision to assets | 1.3740% | 278 |
| Net operating income to assets | -1.2392% | 6,966 |
| Return on assets (ROA) | -0.9396% | 6,912 |
| Pretax return on assets | -1.0081% | 6,895 |
| Return on Equity (ROE) | -17.3143% | 7,006 |
| Retained earnings to average equity (ytd only) | -17.3143% | 6,976 |
| Net charge-offs to loans | 2.6754% | 248 |
| Credit loss provision to net charge-offs | 73.4794% | 3,490 |
| Earnings coverage of net charge-offs (x) | 0.0234% | 5,069 |
| Efficiency ratio | 98.6310% | 604 |
| Assets per employee ($millions) | 6.6282% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5577% | 1,200 |
| Loan loss allowance to noncurrent loans | 33.9271% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 6.8696% | 579 |
| Noncurrent loans to loans | 7.5387% | 481 |
| Net loans and leases to total assets | 66.4704% | 2,577 |
| Net loans and leases to deposits | 73.1283% | 3,438 |
| Net loans and leases to core deposits | 74.2703% | 3,987 |
| Total domestic deposits to total assets | 90.8957% | 487 |
| Equity capital to assets | 5.2327% | 7,088 |
| Core capital (leverage) ratio | 4.9564% | 7,075 |
| Tier 1 risk-based capital ratio | 6.7604% | 7,104 |
| Total risk-based capital ratio | 8.0236% | 7,104 |
| Memoranda: | ||
| Average total assets | $283,109,330 | 2,278 |
| Average earning assets | $270,751,000 | 2,183 |
| Average equity | $15,363,000 | 3,917 |
| Average total loans | $197,874,000 | 2,045 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 5,066 |
| Cost of funding earning assets | 0.9018% | 2,674 |
| Net interest margin | 3.3103% | 5,437 |
| Noninterest income to average assets | 0.1275% | 6,611 |
| Noninterest expense to average assets | 2.8178% | 3,953 |
| Loan and lease loss provision to assets | 0.7020% | 745 |
| Net operating income to assets | -0.0928% | 6,531 |
| Return on assets (ROA) | 0.0336% | 6,477 |
| Pretax return on assets | -0.0210% | 6,553 |
| Return on Equity (ROE) | 0.6091% | 6,419 |
| Retained earnings to average equity (ytd only) | 0.6091% | 5,811 |
| Net charge-offs to loans | 1.3435% | 758 |
| Credit loss provision to net charge-offs | 73.8938% | 2,846 |
| Earnings coverage of net charge-offs (x) | 0.5088% | 4,084 |
| Efficiency ratio | 85.3565% | 1,544 |
| Assets per employee ($millions) | 6.9612% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6546% | 1,171 |
| Loan loss allowance to noncurrent loans | 24.7551% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 8.8855% | 397 |
| Noncurrent loans to loans | 10.7235% | 263 |
| Net loans and leases to total assets | 69.1493% | 1,922 |
| Net loans and leases to deposits | 76.2398% | 2,760 |
| Net loans and leases to core deposits | 77.3663% | 3,418 |
| Total domestic deposits to total assets | 90.6997% | 686 |
| Equity capital to assets | 5.5401% | 7,105 |
| Core capital (leverage) ratio | 5.3954% | 7,087 |
| Tier 1 risk-based capital ratio | 7.1048% | 7,127 |
| Total risk-based capital ratio | 8.3700% | 7,128 |
| Memoranda: | ||
| Average total assets | $285,472,000 | 2,283 |
| Average earning assets | $273,689,000 | 2,173 |
| Average equity | $15,761,000 | 3,850 |
| Average total loans | $201,861,000 | 2,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 4,908 |
| Cost of funding earning assets | 1.0512% | 3,005 |
| Net interest margin | 3.4906% | 5,181 |
| Noninterest income to average assets | -0.3029% | 7,202 |
| Noninterest expense to average assets | 2.9743% | 3,688 |
| Loan and lease loss provision to assets | 2.6245% | 160 |
| Net operating income to assets | -2.2033% | 7,058 |
| Return on assets (ROA) | -1.7844% | 7,001 |
| Pretax return on assets | -2.0676% | 7,040 |
| Return on Equity (ROE) | -35.6124% | 7,136 |
| Retained earnings to average equity (ytd only) | -35.6124% | 7,130 |
| Net charge-offs to loans | 3.3219% | 245 |
| Credit loss provision to net charge-offs | 112.0330% | 2,953 |
| Earnings coverage of net charge-offs (x) | 0.0298% | 5,798 |
| Efficiency ratio | 97.7065% | 737 |
| Assets per employee ($millions) | 6.7984% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7659% | 1,015 |
| Loan loss allowance to noncurrent loans | 27.7202% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 7.7693% | 540 |
| Noncurrent loans to loans | 9.9781% | 319 |
| Net loans and leases to total assets | 68.4409% | 2,316 |
| Net loans and leases to deposits | 75.7203% | 3,218 |
| Net loans and leases to core deposits | 76.6893% | 3,878 |
| Total domestic deposits to total assets | 90.3864% | 770 |
| Equity capital to assets | 5.5020% | 7,131 |
| Core capital (leverage) ratio | 5.3114% | 7,114 |
| Tier 1 risk-based capital ratio | 7.2322% | 7,145 |
| Total risk-based capital ratio | 8.4988% | 7,147 |
| Memoranda: | ||
| Average total assets | $305,084,000 | 2,098 |
| Average earning assets | $292,530,200 | 2,002 |
| Average equity | $15,286,800 | 3,851 |
| Average total loans | $215,148,200 | 1,912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 4,665 |
| Cost of funding earning assets | 1.0820% | 3,098 |
| Net interest margin | 3.5711% | 4,894 |
| Noninterest income to average assets | -0.3187% | 7,304 |
| Noninterest expense to average assets | 3.0755% | 3,256 |
| Loan and lease loss provision to assets | 3.1692% | 98 |
| Net operating income to assets | -2.7923% | 7,246 |
| Return on assets (ROA) | -2.4118% | 7,204 |
| Pretax return on assets | -2.7133% | 7,246 |
| Return on Equity (ROE) | -49.2445% | 7,288 |
| Retained earnings to average equity (ytd only) | -49.2445% | 7,281 |
| Net charge-offs to loans | 3.9440% | 177 |
| Credit loss provision to net charge-offs | 113.8970% | 2,874 |
| Earnings coverage of net charge-offs (x) | 0.0102% | 5,594 |
| Efficiency ratio | 99.0854% | 692 |
| Assets per employee ($millions) | 6.9625% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7269% | 1,098 |
| Loan loss allowance to noncurrent loans | 30.7059% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 7.4037% | 638 |
| Noncurrent loans to loans | 8.8806% | 449 |
| Net loans and leases to total assets | 68.2887% | 2,425 |
| Net loans and leases to deposits | 75.2175% | 3,471 |
| Net loans and leases to core deposits | 76.2346% | 4,170 |
| Total domestic deposits to total assets | 90.7883% | 515 |
| Equity capital to assets | 5.5262% | 7,228 |
| Core capital (leverage) ratio | 5.0379% | 7,239 |
| Tier 1 risk-based capital ratio | 6.9228% | 7,250 |
| Total risk-based capital ratio | 8.1890% | 7,249 |
| Memoranda: | ||
| Average total assets | $309,971,500 | 2,074 |
| Average earning assets | $297,083,750 | 1,975 |
| Average equity | $15,181,000 | 3,882 |
| Average total loans | $218,690,000 | 1,891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 4,447 |
| Cost of funding earning assets | 1.1089% | 3,171 |
| Net interest margin | 3.6112% | 4,679 |
| Noninterest income to average assets | -0.5110% | 7,428 |
| Noninterest expense to average assets | 3.2012% | 2,893 |
| Loan and lease loss provision to assets | 3.5761% | 103 |
| Net operating income to assets | -3.3635% | 7,350 |
| Return on assets (ROA) | -3.0631% | 7,316 |
| Pretax return on assets | -3.4824% | 7,362 |
| Return on Equity (ROE) | -65.1243% | 7,385 |
| Retained earnings to average equity (ytd only) | -65.1243% | 7,382 |
| Net charge-offs to loans | 4.0967% | 197 |
| Credit loss provision to net charge-offs | 123.5397% | 2,466 |
| Earnings coverage of net charge-offs (x) | -0.0855% | 5,334 |
| Efficiency ratio | 108.3834% | 510 |
| Assets per employee ($millions) | 7.1896% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7863% | 1,087 |
| Loan loss allowance to noncurrent loans | 28.2175% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 7.9152% | 592 |
| Noncurrent loans to loans | 9.8744% | 393 |
| Net loans and leases to total assets | 66.7264% | 2,877 |
| Net loans and leases to deposits | 72.4166% | 4,051 |
| Net loans and leases to core deposits | 73.3479% | 4,660 |
| Total domestic deposits to total assets | 92.1424% | 211 |
| Equity capital to assets | 4.3221% | 7,365 |
| Core capital (leverage) ratio | 4.1535% | 7,365 |
| Tier 1 risk-based capital ratio | 5.8206% | 7,367 |
| Total risk-based capital ratio | 7.0868% | 7,371 |
| Memoranda: | ||
| Average total assets | $315,821,000 | 2,042 |
| Average earning assets | $302,998,000 | 1,955 |
| Average equity | $14,854,670 | 3,933 |
| Average total loans | $223,156,670 | 1,886 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 4,406 |
| Cost of funding earning assets | 1.1284% | 3,301 |
| Net interest margin | 3.5945% | 4,589 |
| Noninterest income to average assets | -0.6692% | 7,515 |
| Noninterest expense to average assets | 2.6522% | 5,023 |
| Loan and lease loss provision to assets | 2.7092% | 186 |
| Net operating income to assets | -2.5878% | 7,350 |
| Return on assets (ROA) | -2.4291% | 7,328 |
| Pretax return on assets | -2.4217% | 7,311 |
| Return on Equity (ROE) | -49.7572% | 7,417 |
| Retained earnings to average equity (ytd only) | -49.7572% | 7,403 |
| Net charge-offs to loans | 2.8939% | 379 |
| Credit loss provision to net charge-offs | 130.7416% | 2,116 |
| Earnings coverage of net charge-offs (x) | 0.0622% | 4,544 |
| Efficiency ratio | 95.3654% | 959 |
| Assets per employee ($millions) | 7.7847% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,783 |
| Loan loss allowance to noncurrent loans | 29.4986% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 6.6669% | 820 |
| Noncurrent loans to loans | 7.7587% | 658 |
| Net loans and leases to total assets | 69.7293% | 2,178 |
| Net loans and leases to deposits | 75.7525% | 3,459 |
| Net loans and leases to core deposits | 76.9178% | 4,170 |
| Total domestic deposits to total assets | 92.0488% | 267 |
| Equity capital to assets | 4.6329% | 7,397 |
| Core capital (leverage) ratio | 4.8972% | 7,372 |
| Tier 1 risk-based capital ratio | 6.4434% | 7,406 |
| Total risk-based capital ratio | 7.7039% | 7,407 |
| Memoranda: | ||
| Average total assets | $322,750,000 | 2,022 |
| Average earning assets | $309,807,000 | 1,926 |
| Average equity | $15,756,500 | 3,760 |
| Average total loans | $231,103,000 | 1,857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 4,933 |
| Cost of funding earning assets | 1.5814% | 2,179 |
| Net interest margin | 3.3349% | 5,855 |
| Noninterest income to average assets | -0.1104% | 7,397 |
| Noninterest expense to average assets | 2.5841% | 5,483 |
| Loan and lease loss provision to assets | 2.6852% | 391 |
| Net operating income to assets | -3.7051% | 7,403 |
| Return on assets (ROA) | -3.5988% | 7,404 |
| Pretax return on assets | -2.1123% | 7,063 |
| Return on Equity (ROE) | -46.2547% | 7,398 |
| Retained earnings to average equity (ytd only) | -46.2547% | 7,393 |
| Net charge-offs to loans | 3.9830% | 321 |
| Credit loss provision to net charge-offs | 93.3369% | 4,973 |
| Earnings coverage of net charge-offs (x) | 0.1622% | 5,952 |
| Efficiency ratio | 84.7066% | 1,837 |
| Assets per employee ($millions) | 8.8196% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 2,292 |
| Loan loss allowance to noncurrent loans | 33.0543% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 5.2598% | 1,186 |
| Noncurrent loans to loans | 6.0639% | 1,024 |
| Net loans and leases to total assets | 70.4009% | 2,436 |
| Net loans and leases to deposits | 77.4156% | 3,603 |
| Net loans and leases to core deposits | 78.2907% | 4,422 |
| Total domestic deposits to total assets | 90.9388% | 629 |
| Equity capital to assets | 5.1255% | 7,425 |
| Core capital (leverage) ratio | 5.3697% | 7,375 |
| Tier 1 risk-based capital ratio | 6.9776% | 7,427 |
| Total risk-based capital ratio | 8.2348% | 7,431 |
| Memoranda: | ||
| Average total assets | $323,443,600 | 2,008 |
| Average earning assets | $306,572,800 | 1,944 |
| Average equity | $25,165,000 | 2,537 |
| Average total loans | $233,617,000 | 1,869 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 5,013 |
| Cost of funding earning assets | 1.6663% | 2,022 |
| Net interest margin | 3.2901% | 6,050 |
| Noninterest income to average assets | -0.1037% | 7,543 |
| Noninterest expense to average assets | 2.5309% | 5,600 |
| Loan and lease loss provision to assets | 3.3171% | 233 |
| Net operating income to assets | -1.7907% | 7,181 |
| Return on assets (ROA) | -1.7088% | 7,176 |
| Pretax return on assets | -2.7189% | 7,365 |
| Return on Equity (ROE) | -20.2184% | 7,224 |
| Retained earnings to average equity (ytd only) | -20.2184% | 7,209 |
| Net charge-offs to loans | 3.7558% | 342 |
| Credit loss provision to net charge-offs | 122.1141% | 3,366 |
| Earnings coverage of net charge-offs (x) | 0.1731% | 5,846 |
| Efficiency ratio | 84.3337% | 1,798 |
| Assets per employee ($millions) | 8.3001% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8975% | 912 |
| Loan loss allowance to noncurrent loans | 39.7827% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 5.8665% | 1,029 |
| Noncurrent loans to loans | 7.2834% | 747 |
| Net loans and leases to total assets | 70.1188% | 2,706 |
| Net loans and leases to deposits | 79.1625% | 3,605 |
| Net loans and leases to core deposits | 80.0058% | 4,518 |
| Total domestic deposits to total assets | 88.5757% | 1,640 |
| Equity capital to assets | 8.0947% | 6,716 |
| Core capital (leverage) ratio | 6.0542% | 7,425 |
| Tier 1 risk-based capital ratio | 7.3720% | 7,528 |
| Total risk-based capital ratio | 8.6386% | 7,527 |
| Memoranda: | ||
| Average total assets | $322,722,750 | 2,043 |
| Average earning assets | $304,542,750 | 1,981 |
| Average equity | $27,274,750 | 2,390 |
| Average total loans | $233,412,250 | 1,898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 5,218 |
| Cost of funding earning assets | 1.7494% | 1,867 |
| Net interest margin | 3.1924% | 6,339 |
| Noninterest income to average assets | 0.0248% | 7,449 |
| Noninterest expense to average assets | 2.6619% | 5,074 |
| Loan and lease loss provision to assets | 4.6458% | 138 |
| Net operating income to assets | -2.6787% | 7,456 |
| Return on assets (ROA) | -2.6787% | 7,466 |
| Pretax return on assets | -4.2705% | 7,630 |
| Return on Equity (ROE) | -31.2536% | 7,448 |
| Retained earnings to average equity (ytd only) | -31.2536% | 7,437 |
| Net charge-offs to loans | 5.6751% | 155 |
| Credit loss provision to net charge-offs | 113.1269% | 3,599 |
| Earnings coverage of net charge-offs (x) | 0.0914% | 5,634 |
| Efficiency ratio | 87.6430% | 1,544 |
| Assets per employee ($millions) | 7.8790% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6681% | 1,124 |
| Loan loss allowance to noncurrent loans | 34.5795% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 6.5577% | 851 |
| Noncurrent loans to loans | 7.7158% | 688 |
| Net loans and leases to total assets | 69.8803% | 2,932 |
| Net loans and leases to deposits | 78.7679% | 3,836 |
| Net loans and leases to core deposits | 80.0610% | 4,689 |
| Total domestic deposits to total assets | 88.7168% | 1,591 |
| Equity capital to assets | 7.9622% | 6,793 |
| Core capital (leverage) ratio | 5.7455% | 7,521 |
| Tier 1 risk-based capital ratio | 7.1686% | 7,588 |
| Total risk-based capital ratio | 8.4324% | 7,593 |
| Memoranda: | ||
| Average total assets | $322,395,330 | 2,056 |
| Average earning assets | $304,218,000 | 2,000 |
| Average equity | $27,632,000 | 2,362 |
| Average total loans | $233,299,330 | 1,917 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 5,328 |
| Cost of funding earning assets | 1.7886% | 1,924 |
| Net interest margin | 3.1363% | 6,501 |
| Noninterest income to average assets | 0.0422% | 7,502 |
| Noninterest expense to average assets | 2.6367% | 5,203 |
| Loan and lease loss provision to assets | 1.5139% | 765 |
| Net operating income to assets | -0.7228% | 6,967 |
| Return on assets (ROA) | -0.7228% | 6,989 |
| Pretax return on assets | -1.1401% | 7,120 |
| Return on Equity (ROE) | -8.1434% | 7,062 |
| Retained earnings to average equity (ytd only) | -8.1434% | 6,841 |
| Net charge-offs to loans | 2.6480% | 612 |
| Credit loss provision to net charge-offs | 78.6959% | 3,910 |
| Earnings coverage of net charge-offs (x) | 0.1943% | 4,865 |
| Efficiency ratio | 87.5825% | 1,634 |
| Assets per employee ($millions) | 8.1860% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 1,956 |
| Loan loss allowance to noncurrent loans | 44.0763% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 4.3404% | 1,567 |
| Noncurrent loans to loans | 4.7641% | 1,547 |
| Net loans and leases to total assets | 71.0364% | 2,688 |
| Net loans and leases to deposits | 84.2858% | 2,893 |
| Net loans and leases to core deposits | 85.7787% | 3,934 |
| Total domestic deposits to total assets | 84.2804% | 4,004 |
| Equity capital to assets | 8.8145% | 5,524 |
| Core capital (leverage) ratio | 7.6549% | 6,673 |
| Tier 1 risk-based capital ratio | 8.8976% | 7,497 |
| Total risk-based capital ratio | 10.1544% | 7,512 |
| Memoranda: | ||
| Average total assets | $322,074,000 | 2,111 |
| Average earning assets | $304,815,000 | 2,053 |
| Average equity | $28,587,500 | 2,325 |
| Average total loans | $233,985,000 | 1,968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 5,241 |
| Cost of funding earning assets | 2.4350% | 1,194 |
| Net interest margin | 2.8532% | 6,955 |
| Noninterest income to average assets | 0.1152% | 7,181 |
| Noninterest expense to average assets | 2.8649% | 4,675 |
| Loan and lease loss provision to assets | 1.9211% | 1,151 |
| Net operating income to assets | -1.2452% | 6,734 |
| Return on assets (ROA) | -1.0448% | 6,608 |
| Pretax return on assets | -1.6372% | 6,778 |
| Return on Equity (ROE) | -9.9265% | 6,620 |
| Retained earnings to average equity (ytd only) | -9.9265% | 6,515 |
| Net charge-offs to loans | 1.0512% | 2,309 |
| Credit loss provision to net charge-offs | 241.4656% | 1,474 |
| Earnings coverage of net charge-offs (x) | -0.0369% | 6,255 |
| Efficiency ratio | 101.0345% | 1,055 |
| Assets per employee ($millions) | 7.5407% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 1,469 |
| Loan loss allowance to noncurrent loans | 70.3665% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.9254% | 2,394 |
| Noncurrent loans to loans | 3.2811% | 2,330 |
| Net loans and leases to total assets | 71.0624% | 2,980 |
| Net loans and leases to deposits | 84.6622% | 3,146 |
| Net loans and leases to core deposits | 95.3923% | 4,526 |
| Total domestic deposits to total assets | 83.9364% | 4,052 |
| Equity capital to assets | 8.9398% | 5,233 |
| Core capital (leverage) ratio | 7.8091% | 6,440 |
| Tier 1 risk-based capital ratio | 9.1341% | 7,410 |
| Total risk-based capital ratio | 10.3932% | 7,416 |
| Memoranda: | ||
| Average total assets | $276,138,200 | 2,372 |
| Average earning assets | $263,287,200 | 2,299 |
| Average equity | $29,063,600 | 2,294 |
| Average total loans | $209,008,200 | 2,211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 5,770 |
| Cost of funding earning assets | 2.5469% | 1,164 |
| Net interest margin | 2.6802% | 7,243 |
| Noninterest income to average assets | 0.1118% | 7,336 |
| Noninterest expense to average assets | 2.9133% | 4,400 |
| Loan and lease loss provision to assets | 2.0586% | 863 |
| Net operating income to assets | -1.4566% | 7,087 |
| Return on assets (ROA) | -1.1965% | 6,961 |
| Pretax return on assets | -1.8937% | 7,130 |
| Return on Equity (ROE) | -10.8802% | 6,951 |
| Retained earnings to average equity (ytd only) | -10.8802% | 6,879 |
| Net charge-offs to loans | 1.4101% | 1,462 |
| Credit loss provision to net charge-offs | 190.6685% | 2,378 |
| Earnings coverage of net charge-offs (x) | -0.2238% | 6,305 |
| Efficiency ratio | 109.0432% | 786 |
| Assets per employee ($millions) | 7.3597% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 2,166 |
| Loan loss allowance to noncurrent loans | 48.7816% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.0400% | 2,277 |
| Noncurrent loans to loans | 3.7814% | 1,968 |
| Net loans and leases to total assets | 71.6808% | 3,113 |
| Net loans and leases to deposits | 85.8683% | 3,341 |
| Net loans and leases to core deposits | 96.8773% | 4,720 |
| Total domestic deposits to total assets | 83.4776% | 3,976 |
| Equity capital to assets | 9.1622% | 5,234 |
| Core capital (leverage) ratio | 8.3931% | 5,671 |
| Tier 1 risk-based capital ratio | 9.3848% | 7,441 |
| Total risk-based capital ratio | 10.6391% | 7,412 |
| Memoranda: | ||
| Average total assets | $265,995,500 | 2,469 |
| Average earning assets | $254,050,250 | 2,392 |
| Average equity | $29,251,250 | 2,307 |
| Average total loans | $203,665,250 | 2,286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2257% | 5,977 |
| Cost of funding earning assets | 2.6903% | 1,057 |
| Net interest margin | 2.5354% | 7,435 |
| Noninterest income to average assets | 0.1105% | 7,434 |
| Noninterest expense to average assets | 3.1332% | 3,569 |
| Loan and lease loss provision to assets | 3.1634% | 464 |
| Net operating income to assets | -2.3760% | 7,533 |
| Return on assets (ROA) | -2.0189% | 7,427 |
| Pretax return on assets | -3.2072% | 7,616 |
| Return on Equity (ROE) | -17.1846% | 7,427 |
| Retained earnings to average equity (ytd only) | -17.1846% | 7,356 |
| Net charge-offs to loans | 2.0763% | 891 |
| Credit loss provision to net charge-offs | 195.2895% | 2,340 |
| Earnings coverage of net charge-offs (x) | -0.3714% | 6,008 |
| Efficiency ratio | 123.7677% | 604 |
| Assets per employee ($millions) | 6.7260% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 1,670 |
| Loan loss allowance to noncurrent loans | 43.6928% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.6401% | 1,698 |
| Noncurrent loans to loans | 4.4660% | 1,446 |
| Net loans and leases to total assets | 75.6713% | 2,263 |
| Net loans and leases to deposits | 95.1195% | 1,931 |
| Net loans and leases to core deposits | 108.3649% | 3,569 |
| Total domestic deposits to total assets | 79.5540% | 5,621 |
| Equity capital to assets | 10.0615% | 3,855 |
| Core capital (leverage) ratio | 9.2245% | 4,270 |
| Tier 1 risk-based capital ratio | 9.7786% | 7,155 |
| Total risk-based capital ratio | 11.0341% | 7,097 |
| Memoranda: | ||
| Average total assets | $251,624,670 | 2,614 |
| Average earning assets | $240,273,670 | 2,518 |
| Average equity | $29,561,330 | 2,299 |
| Average total loans | $196,308,670 | 2,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 6,060 |
| Cost of funding earning assets | 2.7338% | 1,159 |
| Net interest margin | 2.5284% | 7,465 |
| Noninterest income to average assets | 0.0885% | 7,613 |
| Noninterest expense to average assets | 3.1191% | 3,307 |
| Loan and lease loss provision to assets | 1.8351% | 670 |
| Net operating income to assets | -1.5447% | 7,514 |
| Return on assets (ROA) | -1.2690% | 7,417 |
| Pretax return on assets | -2.0087% | 7,536 |
| Return on Equity (ROE) | -9.9774% | 7,362 |
| Retained earnings to average equity (ytd only) | -9.9774% | 7,106 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0372% | 584 |
| Assets per employee ($millions) | 6.2002% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 2,124 |
| Loan loss allowance to noncurrent loans | 38.2305% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 3.5798% | 1,486 |
| Noncurrent loans to loans | 4.4640% | 1,291 |
| Net loans and leases to total assets | 74.9940% | 2,503 |
| Net loans and leases to deposits | 94.6311% | 2,163 |
| Net loans and leases to core deposits | 107.6162% | 3,729 |
| Total domestic deposits to total assets | 79.2488% | 5,624 |
| Equity capital to assets | 11.8341% | 2,360 |
| Core capital (leverage) ratio | 11.5541% | 2,115 |
| Tier 1 risk-based capital ratio | 12.4002% | 4,616 |
| Total risk-based capital ratio | 13.6534% | 4,538 |
| Memoranda: | ||
| Average total assets | $239,554,500 | 2,771 |
| Average earning assets | $229,867,000 | 2,646 |
| Average equity | $30,469,000 | 2,233 |
| Average total loans | $188,049,000 | 2,493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2866% | 4,039 |
| Cost of funding earning assets | 3.0835% | 1,560 |
| Net interest margin | 3.2031% | 6,353 |
| Noninterest income to average assets | 0.0917% | 7,675 |
| Noninterest expense to average assets | 3.8227% | 1,711 |
| Loan and lease loss provision to assets | 0.7798% | 1,918 |
| Net operating income to assets | -0.9312% | 7,208 |
| Return on assets (ROA) | -0.8938% | 7,100 |
| Pretax return on assets | -1.3991% | 7,215 |
| Return on Equity (ROE) | -5.4469% | 6,909 |
| Retained earnings to average equity (ytd only) | -5.4469% | 6,577 |
| Net charge-offs to loans | 0.4467% | 2,593 |
| Credit loss provision to net charge-offs | 234.2723% | 2,029 |
| Earnings coverage of net charge-offs (x) | -2.0360% | 6,707 |
| Efficiency ratio | 121.5469% | 557 |
| Assets per employee ($millions) | 5.3548% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 4,431 |
| Loan loss allowance to noncurrent loans | 65.8428% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.6896% | 2,878 |
| Noncurrent loans to loans | 1.8436% | 2,997 |
| Net loans and leases to total assets | 80.0068% | 1,659 |
| Net loans and leases to deposits | 104.9734% | 1,235 |
| Net loans and leases to core deposits | 123.0683% | 2,392 |
| Total domestic deposits to total assets | 76.2163% | 6,188 |
| Equity capital to assets | 13.7193% | 1,535 |
| Core capital (leverage) ratio | 13.1835% | 1,481 |
| Tier 1 risk-based capital ratio | 13.3272% | 3,912 |
| Total risk-based capital ratio | 14.3712% | 3,957 |
| Memoranda: | ||
| Average total assets | $191,984,200 | 3,241 |
| Average earning assets | $183,008,000 | 3,146 |
| Average equity | $31,504,200 | 2,146 |
| Average total loans | $143,057,400 | 3,038 |