Home > OneUnited Bank > Performance and Condition Ratios
OneUnited Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 4,416 |
| Cost of funding earning assets | 0.7335% | 3,875 |
| Net interest margin | 2.7048% | 3,812 |
| Noninterest income to average assets | 2.9600% | 187 |
| Noninterest expense to average assets | 4.7496% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5478% | 3,575 |
| Return on assets (ROA) | 0.6033% | 3,425 |
| Pretax return on assets | 0.8380% | 3,121 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5376% | 1,686 |
| Net charge-offs to loans | 0.0217% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 51.7449% | 1,271 |
| Efficiency ratio | 86.0847% | 555 |
| Assets per employee ($millions) | 6.1943% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3759% | 4,394 |
| Loan loss allowance to noncurrent loans | 120.3636% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,320 |
| Noncurrent loans to loans | 0.3123% | 2,075 |
| Net loans and leases to total assets | 58.0400% | 3,033 |
| Net loans and leases to deposits | 88.7941% | 1,363 |
| Net loans and leases to core deposits | 108.6486% | 1,007 |
| Total domestic deposits to total assets | 65.3600% | 4,387 |
| Equity capital to assets | 7.4357% | 3,751 |
| Core capital (leverage) ratio | 10.6982% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $660,500,600 | 1,364 |
| Average earning assets | $624,265,000 | 1,336 |
| Average equity | $52,868,200 | 1,532 |
| Average total loans | $451,740,200 | 1,340 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,361 |
| Cost of funding earning assets | 0.6998% | 3,765 |
| Net interest margin | 2.8375% | 3,663 |
| Noninterest income to average assets | 3.4000% | 176 |
| Noninterest expense to average assets | 5.0786% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7190% | 3,263 |
| Return on assets (ROA) | 0.7172% | 3,254 |
| Pretax return on assets | 1.0029% | 2,854 |
| Return on Equity (ROE) | 8.7800% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.7755% | 1,747 |
| Net charge-offs to loans | 0.0176% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 1,046 |
| Efficiency ratio | 83.4779% | 644 |
| Assets per employee ($millions) | 4.9468% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3778% | 4,419 |
| Loan loss allowance to noncurrent loans | 173.9979% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 2,487 |
| Noncurrent loans to loans | 0.2171% | 2,482 |
| Net loans and leases to total assets | 75.2000% | 1,209 |
| Net loans and leases to deposits | 87.2353% | 1,456 |
| Net loans and leases to core deposits | 115.9877% | 661 |
| Total domestic deposits to total assets | 86.2100% | 2,132 |
| Equity capital to assets | 8.7752% | 2,548 |
| Core capital (leverage) ratio | 10.5838% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $636,699,250 | 1,396 |
| Average earning assets | $601,123,750 | 1,374 |
| Average equity | $52,037,250 | 1,545 |
| Average total loans | $454,609,250 | 1,328 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 4,406 |
| Cost of funding earning assets | 0.6102% | 3,722 |
| Net interest margin | 2.8161% | 3,796 |
| Noninterest income to average assets | 2.3000% | 215 |
| Noninterest expense to average assets | 4.5799% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2669% | 4,207 |
| Return on assets (ROA) | 0.2838% | 4,209 |
| Pretax return on assets | 0.4021% | 4,116 |
| Return on Equity (ROE) | 3.5500% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.5525% | 3,332 |
| Net charge-offs to loans | 0.0188% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 28.8140% | 1,572 |
| Efficiency ratio | 92.3272% | 294 |
| Assets per employee ($millions) | 5.0897% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3830% | 4,445 |
| Loan loss allowance to noncurrent loans | 54.0745% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 1,031 |
| Noncurrent loans to loans | 0.7083% | 1,055 |
| Net loans and leases to total assets | 74.1400% | 1,272 |
| Net loans and leases to deposits | 86.6264% | 1,452 |
| Net loans and leases to core deposits | 115.0498% | 651 |
| Total domestic deposits to total assets | 85.5900% | 2,363 |
| Equity capital to assets | 8.7454% | 2,694 |
| Core capital (leverage) ratio | 9.8935% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $651,060,333 | 1,374 |
| Average earning assets | $615,245,667 | 1,351 |
| Average equity | $52,019,333 | 1,549 |
| Average total loans | $456,775,667 | 1,310 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 4,461 |
| Cost of funding earning assets | 0.5320% | 3,590 |
| Net interest margin | 2.7320% | 4,032 |
| Noninterest income to average assets | 2.2300% | 210 |
| Noninterest expense to average assets | 4.4566% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2504% | 4,308 |
| Return on assets (ROA) | 0.1177% | 4,393 |
| Pretax return on assets | 0.1881% | 4,350 |
| Return on Equity (ROE) | 1.5400% | 4,340 |
| Retained earnings to average equity (ytd only) | 1.5376% | 3,779 |
| Net charge-offs to loans | 0.0208% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 25.0833% | 1,374 |
| Efficiency ratio | 92.6017% | 290 |
| Assets per employee ($millions) | 5.2501% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3782% | 4,507 |
| Loan loss allowance to noncurrent loans | 47.1889% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 845 |
| Noncurrent loans to loans | 0.8014% | 962 |
| Net loans and leases to total assets | 74.7900% | 1,104 |
| Net loans and leases to deposits | 87.4332% | 1,257 |
| Net loans and leases to core deposits | 115.8579% | 542 |
| Total domestic deposits to total assets | 85.5400% | 2,710 |
| Equity capital to assets | 8.6163% | 2,809 |
| Core capital (leverage) ratio | 9.6854% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $676,300,000 | 1,347 |
| Average earning assets | $639,824,000 | 1,325 |
| Average equity | $51,767,500 | 1,572 |
| Average total loans | $461,662,500 | 1,313 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0039% | 4,129 |
| Cost of funding earning assets | 0.4823% | 1,513 |
| Net interest margin | 2.5216% | 4,267 |
| Noninterest income to average assets | 2.0600% | 237 |
| Noninterest expense to average assets | 4.2557% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1346% | 4,489 |
| Return on assets (ROA) | 0.0836% | 4,508 |
| Pretax return on assets | 0.1311% | 4,488 |
| Return on Equity (ROE) | 0.9800% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.9764% | 4,207 |
| Net charge-offs to loans | 0.0054% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 51.8400% | 1,330 |
| Efficiency ratio | 95.6011% | 202 |
| Assets per employee ($millions) | 6.6990% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3761% | 4,512 |
| Loan loss allowance to noncurrent loans | 53.3638% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,155 |
| Noncurrent loans to loans | 0.7048% | 1,064 |
| Net loans and leases to total assets | 62.4500% | 2,391 |
| Net loans and leases to deposits | 86.9135% | 1,248 |
| Net loans and leases to core deposits | 106.0043% | 750 |
| Total domestic deposits to total assets | 71.8500% | 4,433 |
| Equity capital to assets | 6.8668% | 3,733 |
| Core capital (leverage) ratio | 9.4212% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $661,848,600 | 1,357 |
| Average earning assets | $628,087,000 | 1,333 |
| Average equity | $56,637,200 | 1,466 |
| Average total loans | $464,281,400 | 1,241 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0282% | 3,837 |
| Cost of funding earning assets | 0.4789% | 845 |
| Net interest margin | 2.5493% | 4,167 |
| Noninterest income to average assets | 2.1100% | 254 |
| Noninterest expense to average assets | 4.3486% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1198% | 4,535 |
| Return on assets (ROA) | 0.1648% | 4,471 |
| Pretax return on assets | 0.2415% | 4,427 |
| Return on Equity (ROE) | 1.8200% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.8220% | 4,065 |
| Net charge-offs to loans | 0.0052% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 1,295 |
| Efficiency ratio | 95.9281% | 201 |
| Assets per employee ($millions) | 5.4085% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3767% | 4,554 |
| Loan loss allowance to noncurrent loans | 77.3626% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 1,490 |
| Noncurrent loans to loans | 0.4869% | 1,584 |
| Net loans and leases to total assets | 74.2000% | 1,078 |
| Net loans and leases to deposits | 87.8899% | 1,042 |
| Net loans and leases to core deposits | 111.6975% | 418 |
| Total domestic deposits to total assets | 84.4200% | 3,403 |
| Equity capital to assets | 8.4865% | 2,554 |
| Core capital (leverage) ratio | 9.5831% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $641,413,250 | 1,399 |
| Average earning assets | $608,891,500 | 1,380 |
| Average equity | $58,031,250 | 1,455 |
| Average total loans | $463,824,000 | 1,240 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8853% | 3,820 |
| Cost of funding earning assets | 0.4509% | 688 |
| Net interest margin | 2.4344% | 4,184 |
| Noninterest income to average assets | 2.0446% | 224 |
| Noninterest expense to average assets | 4.1979% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1100% | 4,506 |
| Return on assets (ROA) | 0.1616% | 4,431 |
| Pretax return on assets | 0.2266% | 4,379 |
| Return on Equity (ROE) | 1.7509% | 4,377 |
| Retained earnings to average equity (ytd only) | 1.7509% | 3,811 |
| Net charge-offs to loans | 0.0048% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 47.3636% | 1,183 |
| Efficiency ratio | 96.3002% | 241 |
| Assets per employee ($millions) | 5.7415% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3761% | 4,625 |
| Loan loss allowance to noncurrent loans | 43.3333% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 862 |
| Noncurrent loans to loans | 0.8680% | 981 |
| Net loans and leases to total assets | 73.4801% | 955 |
| Net loans and leases to deposits | 94.9940% | 476 |
| Net loans and leases to core deposits | 150.4267% | 53 |
| Total domestic deposits to total assets | 77.3523% | 4,390 |
| Equity capital to assets | 8.8999% | 2,449 |
| Core capital (leverage) ratio | 9.4764% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $646,090,667 | 1,391 |
| Average earning assets | $614,282,000 | 1,377 |
| Average equity | $59,627,333 | 1,446 |
| Average total loans | $462,673,667 | 1,240 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8238% | 3,705 |
| Cost of funding earning assets | 0.4270% | 742 |
| Net interest margin | 2.3968% | 4,075 |
| Noninterest income to average assets | 1.9598% | 247 |
| Noninterest expense to average assets | 4.1446% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0682% | 4,498 |
| Return on assets (ROA) | 0.1095% | 4,423 |
| Pretax return on assets | 0.1525% | 4,383 |
| Return on Equity (ROE) | 1.1657% | 4,396 |
| Retained earnings to average equity (ytd only) | 1.1657% | 3,785 |
| Net charge-offs to loans | 0.0105% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 13.5833% | 1,389 |
| Efficiency ratio | 97.6387% | 285 |
| Assets per employee ($millions) | 6.4462% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3776% | 4,654 |
| Loan loss allowance to noncurrent loans | 53.1908% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,189 |
| Noncurrent loans to loans | 0.7099% | 1,340 |
| Net loans and leases to total assets | 70.8991% | 934 |
| Net loans and leases to deposits | 96.2903% | 270 |
| Net loans and leases to core deposits | 147.0127% | 47 |
| Total domestic deposits to total assets | 73.6306% | 4,584 |
| Equity capital to assets | 9.3300% | 2,422 |
| Core capital (leverage) ratio | 9.7350% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,481,500 | 1,387 |
| Average earning assets | $620,148,000 | 1,373 |
| Average equity | $61,081,000 | 1,457 |
| Average total loans | $458,979,000 | 1,239 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7704% | 4,243 |
| Cost of funding earning assets | 0.5716% | 625 |
| Net interest margin | 2.1988% | 4,488 |
| Noninterest income to average assets | 3.1096% | 173 |
| Noninterest expense to average assets | 4.2622% | 242 |
| Loan and lease loss provision to assets | 0.0039% | 2,997 |
| Net operating income to assets | 0.6614% | 3,715 |
| Return on assets (ROA) | 0.3291% | 4,408 |
| Pretax return on assets | 0.5189% | 4,228 |
| Return on Equity (ROE) | 4.1905% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.1905% | 3,144 |
| Net charge-offs to loans | 0.0012% | 2,626 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 1,213.0000% | 122 |
| Efficiency ratio | 81.8771% | 684 |
| Assets per employee ($millions) | 6.3708% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3953% | 4,687 |
| Loan loss allowance to noncurrent loans | 480.8108% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,582 |
| Noncurrent loans to loans | 0.0822% | 3,518 |
| Net loans and leases to total assets | 69.6621% | 1,081 |
| Net loans and leases to deposits | 95.1572% | 345 |
| Net loans and leases to core deposits | 141.2675% | 65 |
| Total domestic deposits to total assets | 73.2074% | 4,612 |
| Equity capital to assets | 9.4516% | 3,184 |
| Core capital (leverage) ratio | 8.9825% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5041% | 1,390 |
| Memoranda: | ||
| Average total assets | $642,884,800 | 1,375 |
| Average earning assets | $612,834,200 | 1,352 |
| Average equity | $50,495,200 | 1,752 |
| Average total loans | $420,550,400 | 1,325 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7534% | 4,354 |
| Cost of funding earning assets | 0.6093% | 613 |
| Net interest margin | 2.1441% | 4,602 |
| Noninterest income to average assets | 3.3939% | 172 |
| Noninterest expense to average assets | 4.3434% | 236 |
| Loan and lease loss provision to assets | 0.0051% | 2,874 |
| Net operating income to assets | 0.7661% | 3,608 |
| Return on assets (ROA) | 0.2794% | 4,572 |
| Pretax return on assets | 0.4723% | 4,401 |
| Return on Equity (ROE) | 3.7482% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.7482% | 3,662 |
| Net charge-offs to loans | 0.0019% | 2,329 |
| Credit loss provision to net charge-offs | 416.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 878.6667% | 186 |
| Efficiency ratio | 79.8855% | 756 |
| Assets per employee ($millions) | 6.2866% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3897% | 4,773 |
| Loan loss allowance to noncurrent loans | 842.6540% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,937 |
| Noncurrent loans to loans | 0.0462% | 3,884 |
| Net loans and leases to total assets | 71.5733% | 913 |
| Net loans and leases to deposits | 96.8093% | 323 |
| Net loans and leases to core deposits | 134.4529% | 99 |
| Total domestic deposits to total assets | 73.9323% | 4,640 |
| Equity capital to assets | 8.5746% | 4,158 |
| Core capital (leverage) ratio | 8.0912% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8952% | 2,004 |
| Memoranda: | ||
| Average total assets | $642,744,250 | 1,391 |
| Average earning assets | $612,454,000 | 1,368 |
| Average equity | $47,915,000 | 1,845 |
| Average total loans | $413,183,500 | 1,368 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6829% | 4,475 |
| Cost of funding earning assets | 0.6638% | 532 |
| Net interest margin | 2.0191% | 4,700 |
| Noninterest income to average assets | 2.6222% | 230 |
| Noninterest expense to average assets | 4.2557% | 243 |
| Loan and lease loss provision to assets | 0.0077% | 2,758 |
| Net operating income to assets | 0.2396% | 4,594 |
| Return on assets (ROA) | -0.5913% | 4,882 |
| Pretax return on assets | -0.7075% | 4,883 |
| Return on Equity (ROE) | -8.3431% | 4,903 |
| Retained earnings to average equity (ytd only) | -8.3431% | 4,846 |
| Net charge-offs to loans | 0.0005% | 2,231 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 934.0000% | 140 |
| Efficiency ratio | 93.6315% | 262 |
| Assets per employee ($millions) | 6.0433% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4302% | 4,779 |
| Loan loss allowance to noncurrent loans | 1,067.6647% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,082 |
| Noncurrent loans to loans | 0.0403% | 3,990 |
| Net loans and leases to total assets | 66.9453% | 1,590 |
| Net loans and leases to deposits | 90.8757% | 594 |
| Net loans and leases to core deposits | 119.4176% | 221 |
| Total domestic deposits to total assets | 73.6669% | 4,666 |
| Equity capital to assets | 8.3537% | 4,318 |
| Core capital (leverage) ratio | 7.2604% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1086% | 1,937 |
| Memoranda: | ||
| Average total assets | $645,343,667 | 1,377 |
| Average earning assets | $614,626,000 | 1,355 |
| Average equity | $45,738,667 | 1,905 |
| Average total loans | $398,834,667 | 1,414 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4895% | 4,652 |
| Cost of funding earning assets | 0.7363% | 476 |
| Net interest margin | 1.7532% | 4,826 |
| Noninterest income to average assets | 2.4250% | 278 |
| Noninterest expense to average assets | 3.7738% | 342 |
| Loan and lease loss provision to assets | 0.0152% | 2,585 |
| Net operating income to assets | 0.2623% | 4,573 |
| Return on assets (ROA) | -0.5098% | 4,894 |
| Pretax return on assets | -0.5917% | 4,895 |
| Return on Equity (ROE) | -7.8486% | 4,927 |
| Retained earnings to average equity (ytd only) | -7.8486% | 4,774 |
| Net charge-offs to loans | -0.0184% | 3,956 |
| Credit loss provision to net charge-offs | -138.8889% | 2,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1540% | 328 |
| Assets per employee ($millions) | 6.5954% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4629% | 4,796 |
| Loan loss allowance to noncurrent loans | 984.6995% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,161 |
| Noncurrent loans to loans | 0.0470% | 4,052 |
| Net loans and leases to total assets | 59.3476% | 2,628 |
| Net loans and leases to deposits | 88.7097% | 782 |
| Net loans and leases to core deposits | 108.9261% | 442 |
| Total domestic deposits to total assets | 66.9009% | 4,822 |
| Equity capital to assets | 6.3682% | 4,913 |
| Core capital (leverage) ratio | 5.8530% | 4,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4933% | 2,490 |
| Memoranda: | ||
| Average total assets | $659,806,500 | 1,338 |
| Average earning assets | $628,567,000 | 1,323 |
| Average equity | $42,861,000 | 1,990 |
| Average total loans | $391,029,000 | 1,445 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 4,244 |
| Cost of funding earning assets | 1.5425% | 66 |
| Net interest margin | 1.8235% | 4,879 |
| Noninterest income to average assets | 1.8296% | 379 |
| Noninterest expense to average assets | 3.6919% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1160% | 4,795 |
| Return on assets (ROA) | 0.0133% | 4,763 |
| Pretax return on assets | 0.0375% | 4,737 |
| Return on Equity (ROE) | 0.2042% | 4,750 |
| Retained earnings to average equity (ytd only) | 0.2042% | 4,456 |
| Net charge-offs to loans | -0.0016% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5376% | 147 |
| Assets per employee ($millions) | 7.0922% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4479% | 4,823 |
| Loan loss allowance to noncurrent loans | 681.7829% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 4,159 |
| Noncurrent loans to loans | 0.0657% | 4,030 |
| Net loans and leases to total assets | 58.6483% | 3,018 |
| Net loans and leases to deposits | 95.6979% | 568 |
| Net loans and leases to core deposits | 112.9523% | 434 |
| Total domestic deposits to total assets | 61.2849% | 4,902 |
| Equity capital to assets | 6.6211% | 4,947 |
| Core capital (leverage) ratio | 5.9793% | 4,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1058% | 2,588 |
| Memoranda: | ||
| Average total assets | $669,092,000 | 1,218 |
| Average earning assets | $637,028,200 | 1,198 |
| Average equity | $43,595,000 | 1,883 |
| Average total loans | $443,996,200 | 1,240 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 4,093 |
| Cost of funding earning assets | 1.5690% | 88 |
| Net interest margin | 1.9964% | 4,886 |
| Noninterest income to average assets | 1.5631% | 487 |
| Noninterest expense to average assets | 3.5571% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0915% | 4,811 |
| Return on assets (ROA) | -0.1087% | 4,827 |
| Pretax return on assets | -0.1125% | 4,814 |
| Return on Equity (ROE) | -1.6751% | 4,857 |
| Retained earnings to average equity (ytd only) | -1.6751% | 4,677 |
| Net charge-offs to loans | -0.0015% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7370% | 148 |
| Assets per employee ($millions) | 7.3511% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4185% | 4,872 |
| Loan loss allowance to noncurrent loans | 529.5181% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,198 |
| Noncurrent loans to loans | 0.0790% | 4,053 |
| Net loans and leases to total assets | 61.1927% | 3,097 |
| Net loans and leases to deposits | 98.6758% | 587 |
| Net loans and leases to core deposits | 106.1751% | 841 |
| Total domestic deposits to total assets | 62.0139% | 4,912 |
| Equity capital to assets | 6.3661% | 4,996 |
| Core capital (leverage) ratio | 5.5077% | 5,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7134% | 2,719 |
| Memoranda: | ||
| Average total assets | $669,698,250 | 1,203 |
| Average earning assets | $637,143,250 | 1,183 |
| Average equity | $43,458,500 | 1,882 |
| Average total loans | $456,808,250 | 1,209 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 3,919 |
| Cost of funding earning assets | 1.7289% | 68 |
| Net interest margin | 2.0497% | 4,935 |
| Noninterest income to average assets | 1.1419% | 767 |
| Noninterest expense to average assets | 3.2644% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1267% | 4,837 |
| Return on assets (ROA) | -0.5897% | 4,925 |
| Pretax return on assets | -0.7602% | 4,931 |
| Return on Equity (ROE) | -9.0291% | 4,978 |
| Retained earnings to average equity (ytd only) | -9.0291% | 4,898 |
| Net charge-offs to loans | 0.0009% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -289.5000% | 3,031 |
| Efficiency ratio | 105.6345% | 135 |
| Assets per employee ($millions) | 7.1341% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 4,909 |
| Loan loss allowance to noncurrent loans | 307.0175% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,108 |
| Noncurrent loans to loans | 0.1279% | 3,950 |
| Net loans and leases to total assets | 64.7960% | 2,780 |
| Net loans and leases to deposits | 110.3282% | 224 |
| Net loans and leases to core deposits | 119.6339% | 431 |
| Total domestic deposits to total assets | 58.7302% | 4,971 |
| Equity capital to assets | 6.3082% | 5,024 |
| Core capital (leverage) ratio | 5.2357% | 5,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4728% | 3,092 |
| Memoranda: | ||
| Average total assets | $665,046,667 | 1,194 |
| Average earning assets | $632,177,667 | 1,168 |
| Average equity | $43,437,333 | 1,872 |
| Average total loans | $469,043,000 | 1,178 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 3,203 |
| Cost of funding earning assets | 1.9136% | 49 |
| Net interest margin | 2.2878% | 4,922 |
| Noninterest income to average assets | 1.1472% | 664 |
| Noninterest expense to average assets | 3.3581% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0306% | 4,766 |
| Return on assets (ROA) | -1.3561% | 5,000 |
| Pretax return on assets | -1.7163% | 5,007 |
| Return on Equity (ROE) | -20.3974% | 5,059 |
| Retained earnings to average equity (ytd only) | -20.3974% | 4,971 |
| Net charge-offs to loans | 0.0033% | 2,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -15.7500% | 2,539 |
| Efficiency ratio | 101.1587% | 218 |
| Assets per employee ($millions) | 6.9821% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3694% | 4,963 |
| Loan loss allowance to noncurrent loans | 515.6342% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,335 |
| Noncurrent loans to loans | 0.0716% | 4,237 |
| Net loans and leases to total assets | 71.8409% | 1,947 |
| Net loans and leases to deposits | 126.1883% | 54 |
| Net loans and leases to core deposits | 139.6333% | 170 |
| Total domestic deposits to total assets | 56.9315% | 5,047 |
| Equity capital to assets | 6.5563% | 5,087 |
| Core capital (leverage) ratio | 5.3061% | 5,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0330% | 3,326 |
| Memoranda: | ||
| Average total assets | $655,134,000 | 1,182 |
| Average earning assets | $622,077,000 | 1,149 |
| Average equity | $43,554,500 | 1,864 |
| Average total loans | $480,804,500 | 1,128 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 4,402 |
| Cost of funding earning assets | 2.1080% | 36 |
| Net interest margin | 1.8085% | 5,110 |
| Noninterest income to average assets | 1.1123% | 770 |
| Noninterest expense to average assets | 3.4285% | 1,067 |
| Loan and lease loss provision to assets | 0.0014% | 3,958 |
| Net operating income to assets | -0.4274% | 5,043 |
| Return on assets (ROA) | -0.0955% | 5,014 |
| Pretax return on assets | -0.1804% | 5,016 |
| Return on Equity (ROE) | -1.4235% | 5,026 |
| Retained earnings to average equity (ytd only) | -1.4235% | 4,837 |
| Net charge-offs to loans | -0.0241% | 4,666 |
| Credit loss provision to net charge-offs | -7.5000% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1779% | 76 |
| Assets per employee ($millions) | 6.9580% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3588% | 5,012 |
| Loan loss allowance to noncurrent loans | 43.3234% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 2,038 |
| Noncurrent loans to loans | 0.8281% | 1,854 |
| Net loans and leases to total assets | 74.3986% | 1,681 |
| Net loans and leases to deposits | 131.3402% | 39 |
| Net loans and leases to core deposits | 144.7936% | 149 |
| Total domestic deposits to total assets | 56.6457% | 5,101 |
| Equity capital to assets | 6.7547% | 5,155 |
| Core capital (leverage) ratio | 5.7669% | 5,164 |
| Tier 1 risk-based capital ratio | 10.9610% | 4,871 |
| Total risk-based capital ratio | 11.4816% | 5,027 |
| Memoranda: | ||
| Average total assets | $659,550,400 | 1,135 |
| Average earning assets | $626,198,800 | 1,102 |
| Average equity | $44,258,000 | 1,782 |
| Average total loans | $498,058,000 | 1,080 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 4,334 |
| Cost of funding earning assets | 2.1442% | 33 |
| Net interest margin | 1.8716% | 5,194 |
| Noninterest income to average assets | 1.1021% | 753 |
| Noninterest expense to average assets | 3.4494% | 1,013 |
| Loan and lease loss provision to assets | 0.0018% | 3,818 |
| Net operating income to assets | -0.5519% | 5,143 |
| Return on assets (ROA) | 0.1432% | 5,008 |
| Pretax return on assets | 0.1229% | 5,025 |
| Return on Equity (ROE) | 2.1380% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.1380% | 4,227 |
| Net charge-offs to loans | -0.0336% | 4,727 |
| Credit loss provision to net charge-offs | -7.1429% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.8164% | 82 |
| Assets per employee ($millions) | 6.8443% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3462% | 5,095 |
| Loan loss allowance to noncurrent loans | 44.5881% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,180 |
| Noncurrent loans to loans | 0.7764% | 2,027 |
| Net loans and leases to total assets | 77.8745% | 1,166 |
| Net loans and leases to deposits | 138.5801% | 24 |
| Net loans and leases to core deposits | 153.8519% | 109 |
| Total domestic deposits to total assets | 56.1946% | 5,179 |
| Equity capital to assets | 7.0196% | 5,220 |
| Core capital (leverage) ratio | 5.9737% | 5,242 |
| Tier 1 risk-based capital ratio | 11.2660% | 4,782 |
| Total risk-based capital ratio | 11.7815% | 4,997 |
| Memoranda: | ||
| Average total assets | $660,925,250 | 1,133 |
| Average earning assets | $627,478,750 | 1,097 |
| Average equity | $44,277,750 | 1,789 |
| Average total loans | $500,483,250 | 1,077 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 4,484 |
| Cost of funding earning assets | 2.1448% | 30 |
| Net interest margin | 1.8046% | 5,259 |
| Noninterest income to average assets | 1.0805% | 729 |
| Noninterest expense to average assets | 3.5169% | 941 |
| Loan and lease loss provision to assets | -0.0003% | 5,079 |
| Net operating income to assets | -0.6929% | 5,205 |
| Return on assets (ROA) | 0.1773% | 5,024 |
| Pretax return on assets | 0.1469% | 5,051 |
| Return on Equity (ROE) | 2.6881% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.6881% | 3,854 |
| Net charge-offs to loans | 0.0024% | 3,087 |
| Credit loss provision to net charge-offs | -16.6667% | 3,768 |
| Earnings coverage of net charge-offs (x) | -400.6667% | 3,169 |
| Efficiency ratio | 125.9024% | 66 |
| Assets per employee ($millions) | 6.2343% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3178% | 5,160 |
| Loan loss allowance to noncurrent loans | 41.0198% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,244 |
| Noncurrent loans to loans | 0.7748% | 2,044 |
| Net loans and leases to total assets | 76.0314% | 1,544 |
| Net loans and leases to deposits | 132.3041% | 37 |
| Net loans and leases to core deposits | 146.9600% | 146 |
| Total domestic deposits to total assets | 57.4672% | 5,226 |
| Equity capital to assets | 6.7735% | 5,277 |
| Core capital (leverage) ratio | 5.8528% | 5,288 |
| Tier 1 risk-based capital ratio | 11.1066% | 4,866 |
| Total risk-based capital ratio | 11.5755% | 5,080 |
| Memoranda: | ||
| Average total assets | $664,497,000 | 1,123 |
| Average earning assets | $630,720,670 | 1,095 |
| Average equity | $43,823,000 | 1,801 |
| Average total loans | $497,942,000 | 1,084 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 4,374 |
| Cost of funding earning assets | 2.1255% | 27 |
| Net interest margin | 1.8699% | 5,326 |
| Noninterest income to average assets | 1.0175% | 769 |
| Noninterest expense to average assets | 3.5217% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.7014% | 5,268 |
| Return on assets (ROA) | 0.1864% | 5,026 |
| Pretax return on assets | 0.1574% | 5,066 |
| Return on Equity (ROE) | 2.8649% | 4,814 |
| Retained earnings to average equity (ytd only) | 2.8649% | 3,790 |
| Net charge-offs to loans | -0.0016% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.1668% | 64 |
| Assets per employee ($millions) | 5.8280% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3309% | 5,223 |
| Loan loss allowance to noncurrent loans | 41.4796% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 2,313 |
| Noncurrent loans to loans | 0.7978% | 2,043 |
| Net loans and leases to total assets | 73.0713% | 1,962 |
| Net loans and leases to deposits | 126.2199% | 54 |
| Net loans and leases to core deposits | 140.5523% | 181 |
| Total domestic deposits to total assets | 57.8921% | 5,292 |
| Equity capital to assets | 6.5532% | 5,331 |
| Core capital (leverage) ratio | 5.8532% | 5,343 |
| Tier 1 risk-based capital ratio | 11.9525% | 4,485 |
| Total risk-based capital ratio | 12.4600% | 4,789 |
| Memoranda: | ||
| Average total assets | $663,211,500 | 1,129 |
| Average earning assets | $629,111,000 | 1,097 |
| Average equity | $43,142,500 | 1,814 |
| Average total loans | $492,514,000 | 1,096 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 4,093 |
| Cost of funding earning assets | 1.8090% | 26 |
| Net interest margin | 2.1668% | 5,311 |
| Noninterest income to average assets | 0.8813% | 1,225 |
| Noninterest expense to average assets | 3.2811% | 1,366 |
| Loan and lease loss provision to assets | -0.0332% | 5,157 |
| Net operating income to assets | -0.3002% | 5,292 |
| Return on assets (ROA) | 0.0778% | 5,189 |
| Pretax return on assets | 0.0666% | 5,200 |
| Return on Equity (ROE) | 1.1764% | 5,142 |
| Retained earnings to average equity (ytd only) | 1.1764% | 4,659 |
| Net charge-offs to loans | -0.0304% | 4,814 |
| Credit loss provision to net charge-offs | 147.2973% | 1,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7342% | 75 |
| Assets per employee ($millions) | 5.8071% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3290% | 5,265 |
| Loan loss allowance to noncurrent loans | 41.3969% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 2,238 |
| Noncurrent loans to loans | 0.7947% | 2,017 |
| Net loans and leases to total assets | 74.9829% | 1,776 |
| Net loans and leases to deposits | 130.9285% | 43 |
| Net loans and leases to core deposits | 146.9901% | 150 |
| Total domestic deposits to total assets | 57.2701% | 5,338 |
| Equity capital to assets | 6.4560% | 5,365 |
| Core capital (leverage) ratio | 5.7614% | 5,386 |
| Tier 1 risk-based capital ratio | 11.3171% | 4,803 |
| Total risk-based capital ratio | 12.1834% | 4,893 |
| Memoranda: | ||
| Average total assets | $655,871,400 | 1,105 |
| Average earning assets | $622,117,200 | 1,082 |
| Average equity | $43,351,400 | 1,726 |
| Average total loans | $487,536,400 | 1,072 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,865 |
| Cost of funding earning assets | 1.7251% | 24 |
| Net interest margin | 2.2954% | 5,351 |
| Noninterest income to average assets | 0.8462% | 1,335 |
| Noninterest expense to average assets | 3.2658% | 1,379 |
| Loan and lease loss provision to assets | -0.0340% | 5,265 |
| Net operating income to assets | -0.1910% | 5,343 |
| Return on assets (ROA) | 0.1027% | 5,245 |
| Pretax return on assets | 0.1112% | 5,250 |
| Return on Equity (ROE) | 1.5444% | 5,180 |
| Retained earnings to average equity (ytd only) | 1.5444% | 4,709 |
| Net charge-offs to loans | -0.0414% | 4,865 |
| Credit loss provision to net charge-offs | 110.5960% | 2,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0011% | 92 |
| Assets per employee ($millions) | 5.5953% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3564% | 5,325 |
| Loan loss allowance to noncurrent loans | 42.9376% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,376 |
| Noncurrent loans to loans | 0.8300% | 2,047 |
| Net loans and leases to total assets | 72.2843% | 2,291 |
| Net loans and leases to deposits | 126.9917% | 66 |
| Net loans and leases to core deposits | 142.0483% | 196 |
| Total domestic deposits to total assets | 56.9205% | 5,410 |
| Equity capital to assets | 6.4215% | 5,430 |
| Core capital (leverage) ratio | 5.7937% | 5,457 |
| Tier 1 risk-based capital ratio | 11.1419% | 4,972 |
| Total risk-based capital ratio | 12.0251% | 5,046 |
| Memoranda: | ||
| Average total assets | $655,789,750 | 1,112 |
| Average earning assets | $622,168,750 | 1,084 |
| Average equity | $43,598,250 | 1,714 |
| Average total loans | $486,005,500 | 1,077 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 3,372 |
| Cost of funding earning assets | 1.6169% | 32 |
| Net interest margin | 2.5059% | 5,342 |
| Noninterest income to average assets | 0.7516% | 1,639 |
| Noninterest expense to average assets | 3.2162% | 1,500 |
| Loan and lease loss provision to assets | -0.0508% | 5,377 |
| Net operating income to assets | -0.0300% | 5,356 |
| Return on assets (ROA) | 0.1201% | 5,271 |
| Pretax return on assets | 0.1553% | 5,266 |
| Return on Equity (ROE) | 1.7858% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.7858% | 4,532 |
| Net charge-offs to loans | -0.0599% | 4,977 |
| Credit loss provision to net charge-offs | 113.6054% | 1,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7279% | 141 |
| Assets per employee ($millions) | 5.6452% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3466% | 5,397 |
| Loan loss allowance to noncurrent loans | 39.0483% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 2,267 |
| Noncurrent loans to loans | 0.8877% | 1,945 |
| Net loans and leases to total assets | 73.4919% | 2,032 |
| Net loans and leases to deposits | 128.5689% | 53 |
| Net loans and leases to core deposits | 143.4826% | 165 |
| Total domestic deposits to total assets | 57.1615% | 5,470 |
| Equity capital to assets | 6.6083% | 5,477 |
| Core capital (leverage) ratio | 5.7919% | 5,517 |
| Tier 1 risk-based capital ratio | 11.0701% | 5,016 |
| Total risk-based capital ratio | 12.1404% | 5,000 |
| Memoranda: | ||
| Average total assets | $658,033,670 | 1,111 |
| Average earning assets | $624,768,670 | 1,085 |
| Average equity | $44,238,000 | 1,696 |
| Average total loans | $491,059,000 | 1,067 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 2,056 |
| Cost of funding earning assets | 1.4905% | 44 |
| Net interest margin | 2.9485% | 4,961 |
| Noninterest income to average assets | 0.7240% | 1,725 |
| Noninterest expense to average assets | 3.3407% | 1,268 |
| Loan and lease loss provision to assets | -0.0679% | 5,481 |
| Net operating income to assets | 0.1862% | 5,256 |
| Return on assets (ROA) | 0.1862% | 5,254 |
| Pretax return on assets | 0.2523% | 5,214 |
| Return on Equity (ROE) | 2.7460% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.7460% | 4,086 |
| Net charge-offs to loans | -0.0784% | 5,142 |
| Credit loss provision to net charge-offs | 115.4639% | 1,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7703% | 278 |
| Assets per employee ($millions) | 6.1798% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3368% | 5,470 |
| Loan loss allowance to noncurrent loans | 42.6684% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,534 |
| Noncurrent loans to loans | 0.7894% | 2,236 |
| Net loans and leases to total assets | 75.1270% | 1,685 |
| Net loans and leases to deposits | 131.5368% | 32 |
| Net loans and leases to core deposits | 143.5580% | 178 |
| Total domestic deposits to total assets | 57.1148% | 5,537 |
| Equity capital to assets | 6.5676% | 5,537 |
| Core capital (leverage) ratio | 5.8028% | 5,574 |
| Tier 1 risk-based capital ratio | 10.6101% | 5,315 |
| Total risk-based capital ratio | 11.5928% | 5,324 |
| Memoranda: | ||
| Average total assets | $659,628,000 | 1,121 |
| Average earning assets | $626,615,000 | 1,096 |
| Average equity | $44,720,000 | 1,686 |
| Average total loans | $495,122,500 | 1,064 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,259 |
| Cost of funding earning assets | 1.3576% | 37 |
| Net interest margin | 2.3762% | 5,477 |
| Noninterest income to average assets | 0.6580% | 2,149 |
| Noninterest expense to average assets | 3.3227% | 1,327 |
| Loan and lease loss provision to assets | -0.1549% | 5,541 |
| Net operating income to assets | -0.8395% | 5,569 |
| Return on assets (ROA) | -0.7062% | 5,563 |
| Pretax return on assets | -0.1351% | 5,479 |
| Return on Equity (ROE) | -9.6159% | 5,588 |
| Retained earnings to average equity (ytd only) | -9.6159% | 5,524 |
| Net charge-offs to loans | 0.0261% | 3,283 |
| Credit loss provision to net charge-offs | -795.3125% | 5,028 |
| Earnings coverage of net charge-offs (x) | -21.7344% | 4,103 |
| Efficiency ratio | 114.6014% | 81 |
| Assets per employee ($millions) | 5.7721% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 5,533 |
| Loan loss allowance to noncurrent loans | 33.7249% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 2,050 |
| Noncurrent loans to loans | 1.0214% | 1,740 |
| Net loans and leases to total assets | 74.4818% | 1,839 |
| Net loans and leases to deposits | 131.4606% | 44 |
| Net loans and leases to core deposits | 143.9323% | 176 |
| Total domestic deposits to total assets | 56.6572% | 5,604 |
| Equity capital to assets | 6.9926% | 5,584 |
| Core capital (leverage) ratio | 5.6932% | 5,641 |
| Tier 1 risk-based capital ratio | 10.2079% | 5,478 |
| Total risk-based capital ratio | 11.4501% | 5,399 |
| Memoranda: | ||
| Average total assets | $657,138,200 | 1,107 |
| Average earning assets | $619,855,600 | 1,088 |
| Average equity | $48,264,000 | 1,561 |
| Average total loans | $490,394,800 | 1,046 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,153 |
| Cost of funding earning assets | 1.3154% | 43 |
| Net interest margin | 2.4415% | 5,505 |
| Noninterest income to average assets | 0.5945% | 2,508 |
| Noninterest expense to average assets | 3.2669% | 1,416 |
| Loan and lease loss provision to assets | -0.0037% | 5,441 |
| Net operating income to assets | -0.2039% | 5,580 |
| Return on assets (ROA) | -0.1695% | 5,575 |
| Pretax return on assets | -0.3162% | 5,593 |
| Return on Equity (ROE) | -2.2801% | 5,593 |
| Retained earnings to average equity (ytd only) | -2.2801% | 5,444 |
| Net charge-offs to loans | 0.0253% | 2,938 |
| Credit loss provision to net charge-offs | -19.3548% | 4,397 |
| Earnings coverage of net charge-offs (x) | -19.7952% | 3,778 |
| Efficiency ratio | 112.9148% | 82 |
| Assets per employee ($millions) | 5.8743% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 5,412 |
| Loan loss allowance to noncurrent loans | 35.1087% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 1,408 |
| Noncurrent loans to loans | 1.5510% | 1,200 |
| Net loans and leases to total assets | 75.0882% | 1,750 |
| Net loans and leases to deposits | 134.8844% | 28 |
| Net loans and leases to core deposits | 144.3821% | 156 |
| Total domestic deposits to total assets | 55.6685% | 5,675 |
| Equity capital to assets | 7.4024% | 5,626 |
| Core capital (leverage) ratio | 5.7510% | 5,703 |
| Tier 1 risk-based capital ratio | 9.8831% | 5,618 |
| Total risk-based capital ratio | 11.1973% | 5,575 |
| Memoranda: | ||
| Average total assets | $656,919,250 | 1,115 |
| Average earning assets | $618,505,500 | 1,095 |
| Average equity | $48,827,000 | 1,563 |
| Average total loans | $490,044,750 | 1,052 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 3,962 |
| Cost of funding earning assets | 1.2522% | 49 |
| Net interest margin | 2.5280% | 5,490 |
| Noninterest income to average assets | 0.5576% | 2,668 |
| Noninterest expense to average assets | 3.2522% | 1,467 |
| Loan and lease loss provision to assets | -0.0055% | 5,533 |
| Net operating income to assets | -0.1744% | 5,612 |
| Return on assets (ROA) | -0.1228% | 5,595 |
| Pretax return on assets | -0.2288% | 5,615 |
| Return on Equity (ROE) | -1.6501% | 5,615 |
| Retained earnings to average equity (ytd only) | -1.6501% | 5,315 |
| Net charge-offs to loans | 0.0276% | 2,659 |
| Credit loss provision to net charge-offs | -26.8657% | 4,249 |
| Earnings coverage of net charge-offs (x) | -15.3881% | 3,486 |
| Efficiency ratio | 110.7239% | 102 |
| Assets per employee ($millions) | 5.0629% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 5,413 |
| Loan loss allowance to noncurrent loans | 34.0042% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 1,342 |
| Noncurrent loans to loans | 1.7027% | 1,070 |
| Net loans and leases to total assets | 72.9749% | 2,048 |
| Net loans and leases to deposits | 126.1103% | 60 |
| Net loans and leases to core deposits | 136.7028% | 224 |
| Total domestic deposits to total assets | 57.8659% | 5,714 |
| Equity capital to assets | 7.4141% | 5,667 |
| Core capital (leverage) ratio | 5.9024% | 5,746 |
| Tier 1 risk-based capital ratio | 10.3247% | 5,532 |
| Total risk-based capital ratio | 11.5630% | 5,470 |
| Memoranda: | ||
| Average total assets | $654,626,670 | 1,117 |
| Average earning assets | $616,208,000 | 1,099 |
| Average equity | $48,723,670 | 1,567 |
| Average total loans | $486,339,000 | 1,058 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 3,818 |
| Cost of funding earning assets | 1.1905% | 59 |
| Net interest margin | 2.5928% | 5,472 |
| Noninterest income to average assets | 0.4937% | 3,022 |
| Noninterest expense to average assets | 3.2594% | 1,455 |
| Loan and lease loss provision to assets | -0.0109% | 5,660 |
| Net operating income to assets | -0.1955% | 5,678 |
| Return on assets (ROA) | -0.2025% | 5,681 |
| Pretax return on assets | -0.3241% | 5,690 |
| Return on Equity (ROE) | -2.7149% | 5,700 |
| Retained earnings to average equity (ytd only) | -2.7149% | 5,237 |
| Net charge-offs to loans | 0.0464% | 1,922 |
| Credit loss provision to net charge-offs | -31.5789% | 3,834 |
| Earnings coverage of net charge-offs (x) | -9.3509% | 2,915 |
| Efficiency ratio | 111.0398% | 117 |
| Assets per employee ($millions) | 5.9014% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5575% | 5,537 |
| Loan loss allowance to noncurrent loans | 31.9100% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3110% | 1,295 |
| Noncurrent loans to loans | 1.7470% | 1,092 |
| Net loans and leases to total assets | 74.6220% | 1,643 |
| Net loans and leases to deposits | 130.7345% | 33 |
| Net loans and leases to core deposits | 141.7836% | 155 |
| Total domestic deposits to total assets | 57.0790% | 5,790 |
| Equity capital to assets | 7.3560% | 5,710 |
| Core capital (leverage) ratio | 5.8973% | 5,808 |
| Tier 1 risk-based capital ratio | 9.6140% | 5,762 |
| Total risk-based capital ratio | 10.8585% | 5,747 |
| Memoranda: | ||
| Average total assets | $657,914,000 | 1,112 |
| Average earning assets | $619,572,000 | 1,090 |
| Average equity | $49,062,000 | 1,558 |
| Average total loans | $491,674,000 | 1,039 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 3,913 |
| Cost of funding earning assets | 1.1183% | 88 |
| Net interest margin | 2.6823% | 5,438 |
| Noninterest income to average assets | 0.5237% | 3,075 |
| Noninterest expense to average assets | 2.9971% | 2,363 |
| Loan and lease loss provision to assets | -0.0011% | 5,456 |
| Net operating income to assets | 0.0248% | 5,621 |
| Return on assets (ROA) | 0.1095% | 5,582 |
| Pretax return on assets | 0.1745% | 5,519 |
| Return on Equity (ROE) | 1.4492% | 5,495 |
| Retained earnings to average equity (ytd only) | 1.4492% | 4,682 |
| Net charge-offs to loans | 0.0620% | 2,823 |
| Credit loss provision to net charge-offs | -2.4735% | 4,721 |
| Earnings coverage of net charge-offs (x) | 0.9258% | 4,064 |
| Efficiency ratio | 98.6543% | 240 |
| Assets per employee ($millions) | 5.7980% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 5,640 |
| Loan loss allowance to noncurrent loans | 24.0424% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.6138% | 983 |
| Noncurrent loans to loans | 2.1694% | 788 |
| Net loans and leases to total assets | 73.9996% | 1,852 |
| Net loans and leases to deposits | 128.9388% | 44 |
| Net loans and leases to core deposits | 140.9417% | 162 |
| Total domestic deposits to total assets | 57.3913% | 5,844 |
| Equity capital to assets | 7.5559% | 5,704 |
| Core capital (leverage) ratio | 6.2218% | 5,850 |
| Tier 1 risk-based capital ratio | 10.3539% | 5,637 |
| Total risk-based capital ratio | 11.7053% | 5,534 |
| Memoranda: | ||
| Average total assets | $640,842,200 | 1,103 |
| Average earning assets | $600,719,000 | 1,089 |
| Average equity | $48,441,400 | 1,566 |
| Average total loans | $456,792,600 | 1,070 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 3,879 |
| Cost of funding earning assets | 1.1088% | 90 |
| Net interest margin | 2.7068% | 5,485 |
| Noninterest income to average assets | 0.5603% | 2,872 |
| Noninterest expense to average assets | 2.9475% | 2,470 |
| Loan and lease loss provision to assets | -0.0015% | 5,624 |
| Net operating income to assets | 0.0858% | 5,637 |
| Return on assets (ROA) | 0.1996% | 5,528 |
| Pretax return on assets | 0.3256% | 5,420 |
| Return on Equity (ROE) | 2.6403% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.6403% | 4,334 |
| Net charge-offs to loans | 0.0629% | 2,453 |
| Credit loss provision to net charge-offs | -3.3019% | 4,597 |
| Earnings coverage of net charge-offs (x) | 3.2972% | 3,441 |
| Efficiency ratio | 95.2729% | 339 |
| Assets per employee ($millions) | 6.9472% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 5,688 |
| Loan loss allowance to noncurrent loans | 25.5026% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.5859% | 1,100 |
| Noncurrent loans to loans | 2.1145% | 905 |
| Net loans and leases to total assets | 74.5940% | 1,776 |
| Net loans and leases to deposits | 126.2156% | 66 |
| Net loans and leases to core deposits | 135.6230% | 237 |
| Total domestic deposits to total assets | 59.1005% | 5,896 |
| Equity capital to assets | 7.6839% | 5,811 |
| Core capital (leverage) ratio | 6.3677% | 5,913 |
| Tier 1 risk-based capital ratio | 10.4875% | 5,626 |
| Total risk-based capital ratio | 11.4154% | 5,687 |
| Memoranda: | ||
| Average total assets | $637,260,000 | 1,110 |
| Average earning assets | $596,447,750 | 1,095 |
| Average equity | $48,175,750 | 1,577 |
| Average total loans | $449,149,250 | 1,089 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,685 |
| Cost of funding earning assets | 1.0990% | 92 |
| Net interest margin | 2.7743% | 5,471 |
| Noninterest income to average assets | 0.2422% | 5,036 |
| Noninterest expense to average assets | 2.7756% | 3,109 |
| Loan and lease loss provision to assets | -0.0016% | 5,741 |
| Net operating income to assets | 0.0302% | 5,745 |
| Return on assets (ROA) | 0.2015% | 5,578 |
| Pretax return on assets | 0.3267% | 5,457 |
| Return on Equity (ROE) | 2.6800% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.6800% | 4,194 |
| Net charge-offs to loans | 0.0590% | 2,346 |
| Credit loss provision to net charge-offs | -3.8760% | 4,440 |
| Earnings coverage of net charge-offs (x) | 1.4109% | 3,411 |
| Efficiency ratio | 97.9744% | 287 |
| Assets per employee ($millions) | 6.4526% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 5,674 |
| Loan loss allowance to noncurrent loans | 24.4539% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 2.2239% | 683 |
| Noncurrent loans to loans | 2.4858% | 710 |
| Net loans and leases to total assets | 69.7604% | 2,515 |
| Net loans and leases to deposits | 119.4341% | 105 |
| Net loans and leases to core deposits | 128.7293% | 320 |
| Total domestic deposits to total assets | 58.4091% | 5,984 |
| Equity capital to assets | 7.8610% | 5,845 |
| Core capital (leverage) ratio | 6.3810% | 5,981 |
| Tier 1 risk-based capital ratio | 11.0602% | 5,392 |
| Total risk-based capital ratio | 12.2050% | 5,371 |
| Memoranda: | ||
| Average total assets | $634,317,330 | 1,118 |
| Average earning assets | $592,364,000 | 1,108 |
| Average equity | $47,686,000 | 1,588 |
| Average total loans | $437,347,000 | 1,117 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 3,502 |
| Cost of funding earning assets | 1.0802% | 105 |
| Net interest margin | 2.8417% | 5,409 |
| Noninterest income to average assets | 0.2500% | 4,954 |
| Noninterest expense to average assets | 2.7036% | 3,402 |
| Loan and lease loss provision to assets | -0.0006% | 5,853 |
| Net operating income to assets | 0.1315% | 5,636 |
| Return on assets (ROA) | 0.1580% | 5,657 |
| Pretax return on assets | 0.2367% | 5,595 |
| Return on Equity (ROE) | 2.1511% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.1511% | 4,397 |
| Net charge-offs to loans | 0.0829% | 1,664 |
| Credit loss provision to net charge-offs | -1.1111% | 4,072 |
| Earnings coverage of net charge-offs (x) | 3.4667% | 2,543 |
| Efficiency ratio | 93.2262% | 489 |
| Assets per employee ($millions) | 6.4121% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 5,713 |
| Loan loss allowance to noncurrent loans | 27.3226% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 2.1001% | 811 |
| Noncurrent loans to loans | 2.2790% | 882 |
| Net loans and leases to total assets | 70.3335% | 2,284 |
| Net loans and leases to deposits | 120.7756% | 93 |
| Net loans and leases to core deposits | 128.7481% | 290 |
| Total domestic deposits to total assets | 58.2349% | 6,045 |
| Equity capital to assets | 7.5898% | 5,928 |
| Core capital (leverage) ratio | 6.3482% | 6,045 |
| Tier 1 risk-based capital ratio | 10.7590% | 5,636 |
| Total risk-based capital ratio | 11.7319% | 5,671 |
| Memoranda: | ||
| Average total assets | $635,296,500 | 1,115 |
| Average earning assets | $592,460,000 | 1,101 |
| Average equity | $46,674,000 | 1,614 |
| Average total loans | $434,103,500 | 1,120 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,132 |
| Cost of funding earning assets | 1.5111% | 15 |
| Net interest margin | 2.5351% | 5,803 |
| Noninterest income to average assets | 0.2384% | 5,171 |
| Noninterest expense to average assets | 2.7913% | 3,266 |
| Loan and lease loss provision to assets | -0.0285% | 5,685 |
| Net operating income to assets | -0.0351% | 5,887 |
| Return on assets (ROA) | 0.0076% | 5,892 |
| Pretax return on assets | -0.0834% | 5,922 |
| Return on Equity (ROE) | 0.1021% | 5,885 |
| Retained earnings to average equity (ytd only) | 0.1021% | 5,466 |
| Net charge-offs to loans | -0.0208% | 5,276 |
| Credit loss provision to net charge-offs | 210.4651% | 1,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8330% | 176 |
| Assets per employee ($millions) | 6.6185% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 5,705 |
| Loan loss allowance to noncurrent loans | 29.3989% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.9523% | 917 |
| Noncurrent loans to loans | 2.2507% | 868 |
| Net loans and leases to total assets | 65.5512% | 3,050 |
| Net loans and leases to deposits | 117.8805% | 120 |
| Net loans and leases to core deposits | 125.8476% | 341 |
| Total domestic deposits to total assets | 55.6082% | 6,115 |
| Equity capital to assets | 7.1138% | 6,038 |
| Core capital (leverage) ratio | 6.3068% | 6,106 |
| Tier 1 risk-based capital ratio | 11.0461% | 5,497 |
| Total risk-based capital ratio | 12.1089% | 5,502 |
| Memoranda: | ||
| Average total assets | $635,180,200 | 1,076 |
| Average earning assets | $594,930,200 | 1,049 |
| Average equity | $47,003,400 | 1,571 |
| Average total loans | $414,009,800 | 1,107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,058 |
| Cost of funding earning assets | 1.6817% | 13 |
| Net interest margin | 2.3895% | 5,984 |
| Noninterest income to average assets | 0.2374% | 5,234 |
| Noninterest expense to average assets | 2.7788% | 3,279 |
| Loan and lease loss provision to assets | -0.0120% | 5,821 |
| Net operating income to assets | -0.1060% | 6,002 |
| Return on assets (ROA) | -0.0517% | 5,998 |
| Pretax return on assets | -0.2045% | 6,052 |
| Return on Equity (ROE) | -0.6918% | 6,008 |
| Retained earnings to average equity (ytd only) | -0.6918% | 5,716 |
| Net charge-offs to loans | -0.0058% | 4,854 |
| Credit loss provision to net charge-offs | 316.6667% | 918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1635% | 132 |
| Assets per employee ($millions) | 6.5515% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 5,798 |
| Loan loss allowance to noncurrent loans | 25.6529% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.2483% | 831 |
| Noncurrent loans to loans | 2.5986% | 764 |
| Net loans and leases to total assets | 67.7184% | 2,726 |
| Net loans and leases to deposits | 118.1209% | 121 |
| Net loans and leases to core deposits | 126.4085% | 331 |
| Total domestic deposits to total assets | 57.3298% | 6,196 |
| Equity capital to assets | 7.3763% | 6,092 |
| Core capital (leverage) ratio | 6.1362% | 6,194 |
| Tier 1 risk-based capital ratio | 10.1486% | 5,999 |
| Total risk-based capital ratio | 11.3069% | 5,975 |
| Memoranda: | ||
| Average total assets | $631,821,500 | 1,090 |
| Average earning assets | $592,306,250 | 1,065 |
| Average equity | $47,219,000 | 1,575 |
| Average total loans | $410,510,500 | 1,116 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 2,977 |
| Cost of funding earning assets | 1.8229% | 8 |
| Net interest margin | 2.2553% | 6,124 |
| Noninterest income to average assets | 0.2448% | 5,206 |
| Noninterest expense to average assets | 2.7783% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1837% | 6,090 |
| Return on assets (ROA) | -0.1021% | 6,078 |
| Pretax return on assets | -0.2905% | 6,137 |
| Return on Equity (ROE) | -1.3606% | 6,099 |
| Retained earnings to average equity (ytd only) | -1.3606% | 5,751 |
| Net charge-offs to loans | 0.0020% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -329.5000% | 3,891 |
| Efficiency ratio | 117.7103% | 117 |
| Assets per employee ($millions) | 6.5453% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 5,863 |
| Loan loss allowance to noncurrent loans | 24.8196% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.3322% | 855 |
| Noncurrent loans to loans | 2.7177% | 790 |
| Net loans and leases to total assets | 67.7949% | 2,675 |
| Net loans and leases to deposits | 120.9439% | 87 |
| Net loans and leases to core deposits | 128.5019% | 298 |
| Total domestic deposits to total assets | 56.0549% | 6,272 |
| Equity capital to assets | 7.1434% | 6,171 |
| Core capital (leverage) ratio | 6.2093% | 6,265 |
| Tier 1 risk-based capital ratio | 10.9477% | 5,739 |
| Total risk-based capital ratio | 12.0938% | 5,714 |
| Memoranda: | ||
| Average total assets | $630,598,000 | 1,095 |
| Average earning assets | $591,490,000 | 1,075 |
| Average equity | $47,333,330 | 1,582 |
| Average total loans | $402,936,330 | 1,144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,600 |
| Cost of funding earning assets | 1.8079% | 8 |
| Net interest margin | 2.3532% | 6,124 |
| Noninterest income to average assets | 0.2177% | 5,396 |
| Noninterest expense to average assets | 2.8731% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2051% | 6,148 |
| Return on assets (ROA) | -0.0414% | 6,085 |
| Pretax return on assets | -0.1884% | 6,151 |
| Return on Equity (ROE) | -0.5380% | 6,101 |
| Retained earnings to average equity (ytd only) | -0.5380% | 5,478 |
| Net charge-offs to loans | 0.0083% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -87.2500% | 3,278 |
| Efficiency ratio | 118.2914% | 139 |
| Assets per employee ($millions) | 6.1774% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 5,944 |
| Loan loss allowance to noncurrent loans | 27.3417% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9883% | 1,193 |
| Noncurrent loans to loans | 2.4794% | 985 |
| Net loans and leases to total assets | 66.5675% | 2,678 |
| Net loans and leases to deposits | 118.6865% | 101 |
| Net loans and leases to core deposits | 127.6066% | 278 |
| Total domestic deposits to total assets | 56.0868% | 6,343 |
| Equity capital to assets | 7.5766% | 6,157 |
| Core capital (leverage) ratio | 6.4189% | 6,306 |
| Tier 1 risk-based capital ratio | 11.6013% | 5,496 |
| Total risk-based capital ratio | 12.8300% | 5,423 |
| Memoranda: | ||
| Average total assets | $628,450,000 | 1,102 |
| Average earning assets | $590,505,000 | 1,077 |
| Average equity | $48,323,500 | 1,556 |
| Average total loans | $387,730,000 | 1,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,084 |
| Cost of funding earning assets | 1.8932% | 10 |
| Net interest margin | 2.5541% | 6,111 |
| Noninterest income to average assets | 0.2023% | 5,652 |
| Noninterest expense to average assets | 2.9249% | 3,067 |
| Loan and lease loss provision to assets | -0.1324% | 6,203 |
| Net operating income to assets | -0.1584% | 6,188 |
| Return on assets (ROA) | 0.1342% | 5,950 |
| Pretax return on assets | 0.0985% | 5,990 |
| Return on Equity (ROE) | 1.7686% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.7686% | 4,931 |
| Net charge-offs to loans | -0.0548% | 5,955 |
| Credit loss provision to net charge-offs | 417.8571% | 621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5692% | 187 |
| Assets per employee ($millions) | 5.9655% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 5,638 |
| Loan loss allowance to noncurrent loans | 29.9499% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 2.3133% | 1,030 |
| Noncurrent loans to loans | 2.8337% | 821 |
| Net loans and leases to total assets | 55.6516% | 4,375 |
| Net loans and leases to deposits | 98.2878% | 737 |
| Net loans and leases to core deposits | 106.2174% | 1,005 |
| Total domestic deposits to total assets | 56.6211% | 6,427 |
| Equity capital to assets | 7.8071% | 6,140 |
| Core capital (leverage) ratio | 5.8083% | 6,419 |
| Tier 1 risk-based capital ratio | 11.3630% | 5,733 |
| Total risk-based capital ratio | 12.6625% | 5,632 |
| Memoranda: | ||
| Average total assets | $618,506,600 | 1,075 |
| Average earning assets | $580,246,800 | 1,048 |
| Average equity | $46,930,400 | 1,538 |
| Average total loans | $357,990,800 | 1,238 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 1,853 |
| Cost of funding earning assets | 1.8953% | 11 |
| Net interest margin | 2.6096% | 6,122 |
| Noninterest income to average assets | 0.2049% | 5,704 |
| Noninterest expense to average assets | 2.8916% | 3,152 |
| Loan and lease loss provision to assets | -0.1763% | 6,365 |
| Net operating income to assets | -0.0303% | 6,165 |
| Return on assets (ROA) | 0.1554% | 5,971 |
| Pretax return on assets | 0.1235% | 6,037 |
| Return on Equity (ROE) | 2.0626% | 5,822 |
| Retained earnings to average equity (ytd only) | 2.0626% | 5,022 |
| Net charge-offs to loans | -0.0945% | 6,122 |
| Credit loss provision to net charge-offs | 319.9219% | 874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9877% | 233 |
| Assets per employee ($millions) | 6.0185% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 5,754 |
| Loan loss allowance to noncurrent loans | 28.2446% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 1,104 |
| Noncurrent loans to loans | 2.9987% | 894 |
| Net loans and leases to total assets | 56.4269% | 4,276 |
| Net loans and leases to deposits | 99.1556% | 659 |
| Net loans and leases to core deposits | 106.5295% | 923 |
| Total domestic deposits to total assets | 56.9075% | 6,511 |
| Equity capital to assets | 8.0093% | 6,130 |
| Core capital (leverage) ratio | 6.0778% | 6,476 |
| Tier 1 risk-based capital ratio | 10.6369% | 6,163 |
| Total risk-based capital ratio | 12.3755% | 5,896 |
| Memoranda: | ||
| Average total assets | $619,520,500 | 1,086 |
| Average earning assets | $581,214,250 | 1,058 |
| Average equity | $46,670,250 | 1,548 |
| Average total loans | $361,268,750 | 1,229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,863 |
| Cost of funding earning assets | 1.9063% | 11 |
| Net interest margin | 2.5830% | 6,191 |
| Noninterest income to average assets | 0.2141% | 5,670 |
| Noninterest expense to average assets | 2.8806% | 3,236 |
| Loan and lease loss provision to assets | -0.1030% | 6,381 |
| Net operating income to assets | -0.1279% | 6,276 |
| Return on assets (ROA) | 0.1857% | 5,923 |
| Pretax return on assets | 0.1718% | 5,984 |
| Return on Equity (ROE) | 2.5177% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.5177% | 4,600 |
| Net charge-offs to loans | -0.1648% | 6,298 |
| Credit loss provision to net charge-offs | 106.3333% | 1,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2858% | 242 |
| Assets per employee ($millions) | 5.8679% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 5,463 |
| Loan loss allowance to noncurrent loans | 34.2716% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.3796% | 1,222 |
| Noncurrent loans to loans | 2.8422% | 1,056 |
| Net loans and leases to total assets | 57.7133% | 4,026 |
| Net loans and leases to deposits | 101.2701% | 493 |
| Net loans and leases to core deposits | 108.3686% | 751 |
| Total domestic deposits to total assets | 56.9895% | 6,577 |
| Equity capital to assets | 8.0305% | 6,138 |
| Core capital (leverage) ratio | 6.1136% | 6,524 |
| Tier 1 risk-based capital ratio | 10.5816% | 6,220 |
| Total risk-based capital ratio | 12.6066% | 5,822 |
| Memoranda: | ||
| Average total assets | $619,391,330 | 1,087 |
| Average earning assets | $580,716,330 | 1,059 |
| Average equity | $45,677,000 | 1,568 |
| Average total loans | $364,097,330 | 1,210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 2,292 |
| Cost of funding earning assets | 1.8545% | 13 |
| Net interest margin | 2.5067% | 6,327 |
| Noninterest income to average assets | 0.1916% | 5,813 |
| Noninterest expense to average assets | 2.8565% | 3,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2995% | 6,395 |
| Return on assets (ROA) | 0.2912% | 5,572 |
| Pretax return on assets | 0.3087% | 5,696 |
| Return on Equity (ROE) | 4.1340% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.1340% | 3,650 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6020% | 241 |
| Assets per employee ($millions) | 6.0766% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 5,584 |
| Loan loss allowance to noncurrent loans | 27.5578% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.5819% | 1,214 |
| Noncurrent loans to loans | 3.5726% | 806 |
| Net loans and leases to total assets | 57.6021% | 3,915 |
| Net loans and leases to deposits | 100.0317% | 435 |
| Net loans and leases to core deposits | 106.9107% | 719 |
| Total domestic deposits to total assets | 57.5838% | 6,648 |
| Equity capital to assets | 7.4240% | 6,335 |
| Core capital (leverage) ratio | 6.0535% | 6,580 |
| Tier 1 risk-based capital ratio | 10.5030% | 6,334 |
| Total risk-based capital ratio | 12.5188% | 5,984 |
| Memoranda: | ||
| Average total assets | $618,090,000 | 1,104 |
| Average earning assets | $578,281,000 | 1,071 |
| Average equity | $43,541,000 | 1,635 |
| Average total loans | $364,894,000 | 1,213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,834 |
| Cost of funding earning assets | 1.9070% | 13 |
| Net interest margin | 2.4258% | 6,424 |
| Noninterest income to average assets | 0.4741% | 3,931 |
| Noninterest expense to average assets | 2.6164% | 4,403 |
| Loan and lease loss provision to assets | 0.0492% | 4,146 |
| Net operating income to assets | 0.0690% | 6,100 |
| Return on assets (ROA) | 0.2790% | 5,684 |
| Pretax return on assets | 0.3197% | 5,677 |
| Return on Equity (ROE) | 3.9144% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.9144% | 3,420 |
| Net charge-offs to loans | 0.0421% | 4,631 |
| Credit loss provision to net charge-offs | 212.7660% | 1,083 |
| Earnings coverage of net charge-offs (x) | 5.5106% | 3,282 |
| Efficiency ratio | 95.3529% | 677 |
| Assets per employee ($millions) | 6.3543% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 5,720 |
| Loan loss allowance to noncurrent loans | 27.5429% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 2.5975% | 1,309 |
| Noncurrent loans to loans | 3.4909% | 900 |
| Net loans and leases to total assets | 59.3255% | 3,823 |
| Net loans and leases to deposits | 104.0793% | 319 |
| Net loans and leases to core deposits | 111.9375% | 542 |
| Total domestic deposits to total assets | 57.0003% | 6,729 |
| Equity capital to assets | 6.6628% | 6,540 |
| Core capital (leverage) ratio | 5.9390% | 6,655 |
| Tier 1 risk-based capital ratio | 9.9550% | 6,527 |
| Total risk-based capital ratio | 11.7995% | 6,309 |
| Memoranda: | ||
| Average total assets | $609,350,200 | 1,093 |
| Average earning assets | $570,153,200 | 1,067 |
| Average equity | $43,429,800 | 1,612 |
| Average total loans | $335,278,600 | 1,272 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 2,752 |
| Cost of funding earning assets | 1.9087% | 12 |
| Net interest margin | 2.4472% | 6,473 |
| Noninterest income to average assets | 0.5664% | 3,355 |
| Noninterest expense to average assets | 2.5951% | 4,404 |
| Loan and lease loss provision to assets | 0.0658% | 3,744 |
| Net operating income to assets | 0.1510% | 6,037 |
| Return on assets (ROA) | 0.4266% | 5,274 |
| Pretax return on assets | 0.5550% | 5,188 |
| Return on Equity (ROE) | 5.8880% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.8880% | 2,484 |
| Net charge-offs to loans | 0.0579% | 4,075 |
| Credit loss provision to net charge-offs | 211.2676% | 1,142 |
| Earnings coverage of net charge-offs (x) | 8.4365% | 2,624 |
| Efficiency ratio | 90.8016% | 932 |
| Assets per employee ($millions) | 6.1856% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 5,533 |
| Loan loss allowance to noncurrent loans | 28.1265% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 2.5702% | 1,482 |
| Noncurrent loans to loans | 3.7262% | 991 |
| Net loans and leases to total assets | 54.7177% | 4,497 |
| Net loans and leases to deposits | 95.8310% | 703 |
| Net loans and leases to core deposits | 102.5519% | 953 |
| Total domestic deposits to total assets | 57.0981% | 6,805 |
| Equity capital to assets | 6.6951% | 6,612 |
| Core capital (leverage) ratio | 6.1004% | 6,706 |
| Tier 1 risk-based capital ratio | 10.3591% | 6,492 |
| Total risk-based capital ratio | 11.9335% | 6,368 |
| Memoranda: | ||
| Average total assets | $607,596,000 | 1,105 |
| Average earning assets | $568,962,250 | 1,078 |
| Average equity | $44,020,500 | 1,602 |
| Average total loans | $326,795,000 | 1,306 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 2,664 |
| Cost of funding earning assets | 1.9111% | 14 |
| Net interest margin | 2.4628% | 6,484 |
| Noninterest income to average assets | 0.3818% | 4,658 |
| Noninterest expense to average assets | 2.5551% | 4,543 |
| Loan and lease loss provision to assets | 0.0990% | 3,141 |
| Net operating income to assets | 0.0263% | 6,270 |
| Return on assets (ROA) | 0.4512% | 5,178 |
| Pretax return on assets | 0.5957% | 5,028 |
| Return on Equity (ROE) | 6.0718% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.0718% | 2,390 |
| Net charge-offs to loans | 0.0812% | 3,560 |
| Credit loss provision to net charge-offs | 229.0076% | 1,075 |
| Earnings coverage of net charge-offs (x) | 3.1374% | 3,484 |
| Efficiency ratio | 94.9589% | 710 |
| Assets per employee ($millions) | 6.0018% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,445 |
| Loan loss allowance to noncurrent loans | 28.0900% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.8175% | 1,462 |
| Noncurrent loans to loans | 3.9161% | 1,010 |
| Net loans and leases to total assets | 52.7855% | 4,772 |
| Net loans and leases to deposits | 91.9464% | 967 |
| Net loans and leases to core deposits | 96.7127% | 1,295 |
| Total domestic deposits to total assets | 57.4090% | 6,852 |
| Equity capital to assets | 6.6343% | 6,663 |
| Core capital (leverage) ratio | 6.0180% | 6,753 |
| Tier 1 risk-based capital ratio | 10.8164% | 6,408 |
| Total risk-based capital ratio | 12.3805% | 6,255 |
| Memoranda: | ||
| Average total assets | $606,002,670 | 1,108 |
| Average earning assets | $568,143,000 | 1,075 |
| Average equity | $45,027,670 | 1,573 |
| Average total loans | $322,851,000 | 1,313 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,400 |
| Cost of funding earning assets | 1.9072% | 15 |
| Net interest margin | 2.5289% | 6,468 |
| Noninterest income to average assets | 0.5328% | 3,550 |
| Noninterest expense to average assets | 2.5740% | 4,494 |
| Loan and lease loss provision to assets | 0.0990% | 3,030 |
| Net operating income to assets | 0.1653% | 5,994 |
| Return on assets (ROA) | 0.6621% | 4,051 |
| Pretax return on assets | 0.9361% | 3,634 |
| Return on Equity (ROE) | 8.4582% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.4582% | 1,579 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4729% | 1,276 |
| Assets per employee ($millions) | 6.0401% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,606 |
| Loan loss allowance to noncurrent loans | 30.9177% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 2.5821% | 1,774 |
| Noncurrent loans to loans | 3.5581% | 1,344 |
| Net loans and leases to total assets | 52.1838% | 4,680 |
| Net loans and leases to deposits | 91.0424% | 886 |
| Net loans and leases to core deposits | 95.2368% | 1,252 |
| Total domestic deposits to total assets | 57.3181% | 6,931 |
| Equity capital to assets | 7.7553% | 6,499 |
| Core capital (leverage) ratio | 5.9279% | 6,811 |
| Tier 1 risk-based capital ratio | 10.4985% | 6,578 |
| Total risk-based capital ratio | 11.8791% | 6,513 |
| Memoranda: | ||
| Average total assets | $605,912,000 | 1,114 |
| Average earning assets | $569,428,500 | 1,088 |
| Average equity | $47,433,500 | 1,517 |
| Average total loans | $322,508,500 | 1,317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 2,972 |
| Cost of funding earning assets | 2.0397% | 24 |
| Net interest margin | 2.5669% | 6,661 |
| Noninterest income to average assets | 0.3324% | 5,075 |
| Noninterest expense to average assets | 2.9361% | 3,514 |
| Loan and lease loss provision to assets | 0.1381% | 3,887 |
| Net operating income to assets | -0.2417% | 6,403 |
| Return on assets (ROA) | 0.4523% | 5,119 |
| Pretax return on assets | 0.6693% | 4,762 |
| Return on Equity (ROE) | 5.7809% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.7809% | 2,205 |
| Net charge-offs to loans | 0.2494% | 3,441 |
| Credit loss provision to net charge-offs | 101.1378% | 2,995 |
| Earnings coverage of net charge-offs (x) | -1.5626% | 5,812 |
| Efficiency ratio | 107.8342% | 368 |
| Assets per employee ($millions) | 6.2039% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 5,763 |
| Loan loss allowance to noncurrent loans | 26.2137% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 2.8499% | 1,678 |
| Noncurrent loans to loans | 4.0033% | 1,169 |
| Net loans and leases to total assets | 53.1326% | 4,737 |
| Net loans and leases to deposits | 93.2072% | 812 |
| Net loans and leases to core deposits | 98.3068% | 1,126 |
| Total domestic deposits to total assets | 57.0048% | 6,995 |
| Equity capital to assets | 7.9026% | 6,456 |
| Core capital (leverage) ratio | 5.7201% | 6,877 |
| Tier 1 risk-based capital ratio | 9.8785% | 6,732 |
| Total risk-based capital ratio | 11.0198% | 6,730 |
| Memoranda: | ||
| Average total assets | $579,442,400 | 1,143 |
| Average earning assets | $539,595,600 | 1,121 |
| Average equity | $45,339,000 | 1,534 |
| Average total loans | $317,159,200 | 1,324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 3,417 |
| Cost of funding earning assets | 2.0580% | 24 |
| Net interest margin | 2.4944% | 6,825 |
| Noninterest income to average assets | 0.1822% | 6,215 |
| Noninterest expense to average assets | 2.9212% | 3,515 |
| Loan and lease loss provision to assets | 0.1394% | 3,791 |
| Net operating income to assets | -0.3650% | 6,628 |
| Return on assets (ROA) | 0.3534% | 5,628 |
| Pretax return on assets | 0.5441% | 5,332 |
| Return on Equity (ROE) | 4.5282% | 5,034 |
| Retained earnings to average equity (ytd only) | 4.5282% | 3,713 |
| Net charge-offs to loans | 0.2082% | 3,484 |
| Credit loss provision to net charge-offs | 121.7039% | 2,378 |
| Earnings coverage of net charge-offs (x) | -3.6815% | 5,686 |
| Efficiency ratio | 116.8712% | 218 |
| Assets per employee ($millions) | 6.2164% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,501 |
| Loan loss allowance to noncurrent loans | 25.1134% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 3.4998% | 1,431 |
| Noncurrent loans to loans | 4.5905% | 1,021 |
| Net loans and leases to total assets | 50.6576% | 5,226 |
| Net loans and leases to deposits | 88.5529% | 1,291 |
| Net loans and leases to core deposits | 93.4758% | 1,627 |
| Total domestic deposits to total assets | 57.2060% | 7,088 |
| Equity capital to assets | 7.8281% | 6,670 |
| Core capital (leverage) ratio | 5.5631% | 6,974 |
| Tier 1 risk-based capital ratio | 9.6909% | 6,868 |
| Total risk-based capital ratio | 10.7791% | 6,884 |
| Memoranda: | ||
| Average total assets | $573,859,000 | 1,168 |
| Average earning assets | $533,134,000 | 1,148 |
| Average equity | $44,784,750 | 1,570 |
| Average total loans | $315,666,500 | 1,344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 2,886 |
| Cost of funding earning assets | 2.0697% | 27 |
| Net interest margin | 2.6369% | 6,791 |
| Noninterest income to average assets | 0.1369% | 6,505 |
| Noninterest expense to average assets | 2.9481% | 3,447 |
| Loan and lease loss provision to assets | 0.1408% | 3,755 |
| Net operating income to assets | -0.3286% | 6,636 |
| Return on assets (ROA) | 0.3674% | 5,577 |
| Pretax return on assets | 0.5831% | 5,198 |
| Return on Equity (ROE) | 4.7130% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.7130% | 3,471 |
| Net charge-offs to loans | 0.2262% | 3,222 |
| Credit loss provision to net charge-offs | 110.4972% | 2,461 |
| Earnings coverage of net charge-offs (x) | -2.8536% | 5,409 |
| Efficiency ratio | 114.0659% | 277 |
| Assets per employee ($millions) | 6.2709% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,668 |
| Loan loss allowance to noncurrent loans | 36.1599% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 2.7783% | 1,987 |
| Noncurrent loans to loans | 3.1122% | 1,883 |
| Net loans and leases to total assets | 52.0838% | 5,086 |
| Net loans and leases to deposits | 90.5130% | 1,093 |
| Net loans and leases to core deposits | 95.7154% | 1,451 |
| Total domestic deposits to total assets | 57.5429% | 7,153 |
| Equity capital to assets | 7.8721% | 6,642 |
| Core capital (leverage) ratio | 5.5969% | 7,021 |
| Tier 1 risk-based capital ratio | 9.9448% | 6,839 |
| Total risk-based capital ratio | 11.1829% | 6,827 |
| Memoranda: | ||
| Average total assets | $568,293,670 | 1,182 |
| Average earning assets | $527,504,670 | 1,160 |
| Average equity | $44,303,330 | 1,575 |
| Average total loans | $320,005,330 | 1,325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 2,535 |
| Cost of funding earning assets | 2.0903% | 29 |
| Net interest margin | 2.7366% | 6,730 |
| Noninterest income to average assets | 0.1482% | 6,496 |
| Noninterest expense to average assets | 2.8327% | 3,888 |
| Loan and lease loss provision to assets | 0.1418% | 3,583 |
| Net operating income to assets | -0.1908% | 6,624 |
| Return on assets (ROA) | 0.3589% | 5,621 |
| Pretax return on assets | 0.5702% | 5,214 |
| Return on Equity (ROE) | 4.6266% | 4,972 |
| Retained earnings to average equity (ytd only) | 4.6266% | 3,795 |
| Net charge-offs to loans | 0.3353% | 2,315 |
| Credit loss provision to net charge-offs | 72.7273% | 2,865 |
| Earnings coverage of net charge-offs (x) | -0.7527% | 4,536 |
| Efficiency ratio | 105.4661% | 422 |
| Assets per employee ($millions) | 5.8871% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,153 |
| Loan loss allowance to noncurrent loans | 32.8106% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 3.1896% | 1,815 |
| Noncurrent loans to loans | 3.1350% | 2,047 |
| Net loans and leases to total assets | 56.2845% | 4,333 |
| Net loans and leases to deposits | 98.8548% | 412 |
| Net loans and leases to core deposits | 104.9077% | 720 |
| Total domestic deposits to total assets | 56.9366% | 7,216 |
| Equity capital to assets | 7.7713% | 6,646 |
| Core capital (leverage) ratio | 5.4897% | 7,080 |
| Tier 1 risk-based capital ratio | 9.6253% | 6,950 |
| Total risk-based capital ratio | 10.7722% | 6,958 |
| Memoranda: | ||
| Average total assets | $563,977,500 | 1,198 |
| Average earning assets | $522,985,500 | 1,170 |
| Average equity | $43,747,000 | 1,592 |
| Average total loans | $328,055,500 | 1,294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9902% | 2,922 |
| Cost of funding earning assets | 2.1835% | 56 |
| Net interest margin | 2.8067% | 6,814 |
| Noninterest income to average assets | 0.5467% | 3,534 |
| Noninterest expense to average assets | 2.8027% | 4,335 |
| Loan and lease loss provision to assets | 0.1465% | 4,782 |
| Net operating income to assets | 0.1346% | 5,776 |
| Return on assets (ROA) | 0.5868% | 4,252 |
| Pretax return on assets | 0.8324% | 3,858 |
| Return on Equity (ROE) | 8.1000% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.1000% | 1,044 |
| Net charge-offs to loans | 0.2444% | 4,254 |
| Credit loss provision to net charge-offs | 99.7506% | 3,583 |
| Earnings coverage of net charge-offs (x) | 2.2681% | 4,089 |
| Efficiency ratio | 89.3800% | 1,239 |
| Assets per employee ($millions) | 5.9872% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 6,170 |
| Loan loss allowance to noncurrent loans | 21.4517% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 3.5140% | 1,684 |
| Noncurrent loans to loans | 4.7089% | 1,246 |
| Net loans and leases to total assets | 58.8716% | 4,216 |
| Net loans and leases to deposits | 103.6988% | 317 |
| Net loans and leases to core deposits | 114.0128% | 498 |
| Total domestic deposits to total assets | 56.7717% | 7,259 |
| Equity capital to assets | 7.7424% | 6,712 |
| Core capital (leverage) ratio | 5.3719% | 7,108 |
| Tier 1 risk-based capital ratio | 9.0656% | 7,027 |
| Total risk-based capital ratio | 10.2075% | 7,044 |
| Memoranda: | ||
| Average total assets | $546,224,000 | 1,209 |
| Average earning assets | $503,866,600 | 1,204 |
| Average equity | $39,568,000 | 1,708 |
| Average total loans | $328,173,000 | 1,295 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 2,315 |
| Cost of funding earning assets | 2.2027% | 61 |
| Net interest margin | 2.9662% | 6,643 |
| Noninterest income to average assets | 0.4476% | 4,315 |
| Noninterest expense to average assets | 2.7958% | 4,360 |
| Loan and lease loss provision to assets | 0.1392% | 4,702 |
| Net operating income to assets | 0.1359% | 5,872 |
| Return on assets (ROA) | 0.6014% | 4,258 |
| Pretax return on assets | 0.9701% | 3,516 |
| Return on Equity (ROE) | 8.4527% | 2,851 |
| Retained earnings to average equity (ytd only) | 8.4527% | 1,335 |
| Net charge-offs to loans | 0.2291% | 4,004 |
| Credit loss provision to net charge-offs | 100.8913% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.7683% | 3,746 |
| Efficiency ratio | 87.9799% | 1,346 |
| Assets per employee ($millions) | 5.9638% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 6,060 |
| Loan loss allowance to noncurrent loans | 31.8186% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 2.7530% | 2,362 |
| Noncurrent loans to loans | 3.2919% | 2,099 |
| Net loans and leases to total assets | 57.1115% | 4,664 |
| Net loans and leases to deposits | 100.7778% | 435 |
| Net loans and leases to core deposits | 109.1838% | 713 |
| Total domestic deposits to total assets | 56.6708% | 7,331 |
| Equity capital to assets | 7.7662% | 6,815 |
| Core capital (leverage) ratio | 5.2823% | 7,207 |
| Tier 1 risk-based capital ratio | 9.0121% | 7,112 |
| Total risk-based capital ratio | 10.2515% | 7,110 |
| Memoranda: | ||
| Average total assets | $542,080,500 | 1,223 |
| Average earning assets | $498,947,500 | 1,219 |
| Average equity | $38,566,500 | 1,749 |
| Average total loans | $326,539,000 | 1,304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 1,874 |
| Cost of funding earning assets | 2.2207% | 68 |
| Net interest margin | 3.0843% | 6,439 |
| Noninterest income to average assets | 0.5658% | 3,365 |
| Noninterest expense to average assets | 2.7975% | 4,426 |
| Loan and lease loss provision to assets | 0.1739% | 4,190 |
| Net operating income to assets | 0.2568% | 5,532 |
| Return on assets (ROA) | 0.4273% | 4,973 |
| Pretax return on assets | 0.6893% | 4,422 |
| Return on Equity (ROE) | 6.2043% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.2043% | 2,295 |
| Net charge-offs to loans | 0.3468% | 3,162 |
| Credit loss provision to net charge-offs | 82.0423% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.8151% | 3,441 |
| Efficiency ratio | 82.4189% | 2,043 |
| Assets per employee ($millions) | 5.8385% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,338 |
| Loan loss allowance to noncurrent loans | 24.1341% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 3.3403% | 1,980 |
| Noncurrent loans to loans | 4.1436% | 1,647 |
| Net loans and leases to total assets | 59.2021% | 4,424 |
| Net loans and leases to deposits | 104.7441% | 295 |
| Net loans and leases to core deposits | 113.4810% | 596 |
| Total domestic deposits to total assets | 56.5207% | 7,401 |
| Equity capital to assets | 7.1583% | 7,068 |
| Core capital (leverage) ratio | 4.9293% | 7,304 |
| Tier 1 risk-based capital ratio | 7.8702% | 7,254 |
| Total risk-based capital ratio | 9.0797% | 7,261 |
| Memoranda: | ||
| Average total assets | $535,908,670 | 1,247 |
| Average earning assets | $491,457,000 | 1,244 |
| Average equity | $36,909,670 | 1,814 |
| Average total loans | $327,534,000 | 1,317 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 2,444 |
| Cost of funding earning assets | 2.2348% | 76 |
| Net interest margin | 2.9134% | 6,736 |
| Noninterest income to average assets | 0.6686% | 2,735 |
| Noninterest expense to average assets | 2.7855% | 4,505 |
| Loan and lease loss provision to assets | 0.0755% | 5,053 |
| Net operating income to assets | 0.2939% | 5,441 |
| Return on assets (ROA) | 0.2939% | 5,513 |
| Pretax return on assets | 0.4737% | 5,107 |
| Return on Equity (ROE) | 4.3559% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.3559% | 3,553 |
| Net charge-offs to loans | 0.1479% | 3,601 |
| Credit loss provision to net charge-offs | 82.6446% | 3,104 |
| Earnings coverage of net charge-offs (x) | 6.0083% | 2,167 |
| Efficiency ratio | 83.5297% | 2,012 |
| Assets per employee ($millions) | 5.5258% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,347 |
| Loan loss allowance to noncurrent loans | 25.6387% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 3.2776% | 2,090 |
| Noncurrent loans to loans | 3.9490% | 1,851 |
| Net loans and leases to total assets | 61.3235% | 4,004 |
| Net loans and leases to deposits | 109.4646% | 190 |
| Net loans and leases to core deposits | 118.7111% | 451 |
| Total domestic deposits to total assets | 56.0213% | 7,461 |
| Equity capital to assets | 6.7764% | 7,148 |
| Core capital (leverage) ratio | 4.7580% | 7,377 |
| Tier 1 risk-based capital ratio | 7.4094% | 7,333 |
| Total risk-based capital ratio | 8.6146% | 7,341 |
| Memoranda: | ||
| Average total assets | $529,453,000 | 1,280 |
| Average earning assets | $484,515,500 | 1,274 |
| Average equity | $35,721,500 | 1,856 |
| Average total loans | $327,203,500 | 1,333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 5,498 |
| Cost of funding earning assets | 2.3159% | 199 |
| Net interest margin | 2.4617% | 7,293 |
| Noninterest income to average assets | 0.2769% | 5,796 |
| Noninterest expense to average assets | 2.8396% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.1960% | 6,113 |
| Return on assets (ROA) | 0.1383% | 5,629 |
| Pretax return on assets | 0.2230% | 5,435 |
| Return on Equity (ROE) | 1.9658% | 5,390 |
| Retained earnings to average equity (ytd only) | 1.9658% | 4,490 |
| Net charge-offs to loans | 0.4574% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -1.0655% | 6,622 |
| Efficiency ratio | 111.7814% | 510 |
| Assets per employee ($millions) | 5.3907% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 6,150 |
| Loan loss allowance to noncurrent loans | 21.3920% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 3.9539% | 1,721 |
| Noncurrent loans to loans | 4.9074% | 1,392 |
| Net loans and leases to total assets | 60.9990% | 4,489 |
| Net loans and leases to deposits | 110.6101% | 226 |
| Net loans and leases to core deposits | 120.2549% | 520 |
| Total domestic deposits to total assets | 55.1477% | 7,541 |
| Equity capital to assets | 6.7166% | 7,202 |
| Core capital (leverage) ratio | 4.6540% | 7,445 |
| Tier 1 risk-based capital ratio | 7.1250% | 7,409 |
| Total risk-based capital ratio | 8.1350% | 7,440 |
| Memoranda: | ||
| Average total assets | $527,259,000 | 1,266 |
| Average earning assets | $484,780,200 | 1,272 |
| Average equity | $37,083,800 | 1,787 |
| Average total loans | $323,809,800 | 1,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 5,839 |
| Cost of funding earning assets | 2.3011% | 275 |
| Net interest margin | 2.4515% | 7,402 |
| Noninterest income to average assets | 0.2814% | 5,860 |
| Noninterest expense to average assets | 2.7935% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.1717% | 6,281 |
| Return on assets (ROA) | 0.2758% | 5,415 |
| Pretax return on assets | 0.4449% | 5,099 |
| Return on Equity (ROE) | 3.8784% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.8784% | 3,735 |
| Net charge-offs to loans | 0.3685% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -1.1250% | 6,467 |
| Efficiency ratio | 110.0179% | 524 |
| Assets per employee ($millions) | 5.4422% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,457 |
| Loan loss allowance to noncurrent loans | 22.0329% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 4.0974% | 1,686 |
| Noncurrent loans to loans | 5.4837% | 1,209 |
| Net loans and leases to total assets | 61.4767% | 4,636 |
| Net loans and leases to deposits | 114.8454% | 177 |
| Net loans and leases to core deposits | 126.5412% | 439 |
| Total domestic deposits to total assets | 53.5300% | 7,654 |
| Equity capital to assets | 7.2596% | 7,243 |
| Core capital (leverage) ratio | 4.7653% | 7,570 |
| Tier 1 risk-based capital ratio | 7.5343% | 7,513 |
| Total risk-based capital ratio | 8.7623% | 7,517 |
| Memoranda: | ||
| Average total assets | $528,349,000 | 1,277 |
| Average earning assets | $486,593,000 | 1,281 |
| Average equity | $37,574,500 | 1,774 |
| Average total loans | $324,175,500 | 1,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 6,526 |
| Cost of funding earning assets | 2.2814% | 358 |
| Net interest margin | 2.2949% | 7,538 |
| Noninterest income to average assets | 0.2925% | 5,811 |
| Noninterest expense to average assets | 2.7905% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2432% | 6,405 |
| Return on assets (ROA) | -0.1071% | 6,315 |
| Pretax return on assets | -0.1729% | 6,313 |
| Return on Equity (ROE) | -1.5164% | 6,375 |
| Retained earnings to average equity (ytd only) | -1.5164% | 6,067 |
| Net charge-offs to loans | 0.0112% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -56.6111% | 6,360 |
| Efficiency ratio | 116.0346% | 465 |
| Assets per employee ($millions) | 4.8371% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,902 |
| Loan loss allowance to noncurrent loans | 28.4540% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 3.8646% | 1,793 |
| Noncurrent loans to loans | 5.2906% | 1,275 |
| Net loans and leases to total assets | 61.2613% | 4,830 |
| Net loans and leases to deposits | 116.0410% | 176 |
| Net loans and leases to core deposits | 128.1985% | 459 |
| Total domestic deposits to total assets | 52.7928% | 7,726 |
| Equity capital to assets | 7.2209% | 7,266 |
| Core capital (leverage) ratio | 4.6339% | 7,642 |
| Tier 1 risk-based capital ratio | 7.8545% | 7,534 |
| Total risk-based capital ratio | 9.1077% | 7,541 |
| Memoranda: | ||
| Average total assets | $528,501,670 | 1,287 |
| Average earning assets | $486,465,670 | 1,280 |
| Average equity | $37,325,000 | 1,781 |
| Average total loans | $322,734,330 | 1,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 7,031 |
| Cost of funding earning assets | 2.2425% | 514 |
| Net interest margin | 2.1318% | 7,680 |
| Noninterest income to average assets | 0.3079% | 5,681 |
| Noninterest expense to average assets | 2.6983% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2652% | 6,618 |
| Return on assets (ROA) | -0.2652% | 6,680 |
| Pretax return on assets | -0.4277% | 6,737 |
| Return on Equity (ROE) | -3.7961% | 6,810 |
| Retained earnings to average equity (ytd only) | -3.7961% | 6,477 |
| Net charge-offs to loans | 0.0025% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -285.5000% | 5,609 |
| Efficiency ratio | 118.8387% | 456 |
| Assets per employee ($millions) | 4.9665% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 3,786 |
| Loan loss allowance to noncurrent loans | 32.0691% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 3.1830% | 2,252 |
| Noncurrent loans to loans | 4.7549% | 1,551 |
| Net loans and leases to total assets | 59.0850% | 5,272 |
| Net loans and leases to deposits | 109.3045% | 304 |
| Net loans and leases to core deposits | 119.1110% | 819 |
| Total domestic deposits to total assets | 54.0554% | 7,813 |
| Equity capital to assets | 6.9812% | 7,380 |
| Core capital (leverage) ratio | 4.6619% | 7,729 |
| Tier 1 risk-based capital ratio | 8.0583% | 7,605 |
| Total risk-based capital ratio | 9.3115% | 7,612 |
| Memoranda: | ||
| Average total assets | $533,970,000 | 1,309 |
| Average earning assets | $491,593,500 | 1,299 |
| Average equity | $37,301,000 | 1,802 |
| Average total loans | $323,145,000 | 1,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 5,793 |
| Cost of funding earning assets | 2.4623% | 1,114 |
| Net interest margin | 2.7062% | 7,206 |
| Noninterest income to average assets | 0.2066% | 6,631 |
| Noninterest expense to average assets | 2.6176% | 5,721 |
| Loan and lease loss provision to assets | 0.4276% | 4,265 |
| Net operating income to assets | -0.2532% | 5,899 |
| Return on assets (ROA) | 0.2961% | 4,627 |
| Pretax return on assets | 0.4298% | 4,398 |
| Return on Equity (ROE) | 4.5938% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.5907% | 2,670 |
| Net charge-offs to loans | 0.3583% | 4,434 |
| Credit loss provision to net charge-offs | 198.5703% | 1,977 |
| Earnings coverage of net charge-offs (x) | 0.2851% | 5,827 |
| Efficiency ratio | 97.4973% | 1,241 |
| Assets per employee ($millions) | 4.9678% | 2,260 |
| Cash dividends to net income (ytd only)* | 21.8371% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,802 |
| Loan loss allowance to noncurrent loans | 37.3943% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 2.8817% | 2,434 |
| Noncurrent loans to loans | 3.9732% | 1,863 |
| Net loans and leases to total assets | 60.1233% | 5,317 |
| Net loans and leases to deposits | 110.5299% | 370 |
| Net loans and leases to core deposits | 130.3036% | 1,265 |
| Total domestic deposits to total assets | 54.3955% | 7,874 |
| Equity capital to assets | 6.9900% | 7,374 |
| Core capital (leverage) ratio | 4.3983% | 7,817 |
| Tier 1 risk-based capital ratio | 7.3718% | 7,708 |
| Total risk-based capital ratio | 8.6249% | 7,716 |
| Memoranda: | ||
| Average total assets | $584,657,600 | 1,173 |
| Average earning assets | $534,140,800 | 1,191 |
| Average equity | $37,681,000 | 1,779 |
| Average total loans | $351,370,400 | 1,371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 5,282 |
| Cost of funding earning assets | 2.5058% | 1,279 |
| Net interest margin | 2.8233% | 7,017 |
| Noninterest income to average assets | 0.1805% | 6,934 |
| Noninterest expense to average assets | 2.5429% | 5,929 |
| Loan and lease loss provision to assets | 0.2402% | 5,045 |
| Net operating income to assets | -0.0356% | 5,773 |
| Return on assets (ROA) | 0.5562% | 3,852 |
| Pretax return on assets | 0.8969% | 3,234 |
| Return on Equity (ROE) | 8.7966% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.4607% | 1,325 |
| Net charge-offs to loans | 0.3712% | 3,798 |
| Credit loss provision to net charge-offs | 108.0402% | 4,701 |
| Earnings coverage of net charge-offs (x) | 0.9558% | 5,104 |
| Efficiency ratio | 92.0201% | 1,542 |
| Assets per employee ($millions) | 5.3125% | 1,773 |
| Cash dividends to net income (ytd only)* | 15.1869% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 5,812 |
| Loan loss allowance to noncurrent loans | 23.1254% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 3.1085% | 2,204 |
| Noncurrent loans to loans | 4.6925% | 1,463 |
| Net loans and leases to total assets | 60.5263% | 5,498 |
| Net loans and leases to deposits | 108.4282% | 531 |
| Net loans and leases to core deposits | 126.6633% | 1,689 |
| Total domestic deposits to total assets | 55.8215% | 7,928 |
| Equity capital to assets | 7.0226% | 7,588 |
| Core capital (leverage) ratio | 6.6893% | 7,590 |
| Tier 1 risk-based capital ratio | 11.6979% | 5,248 |
| Total risk-based capital ratio | 12.8456% | 5,284 |
| Memoranda: | ||
| Average total assets | $596,690,500 | 1,173 |
| Average earning assets | $544,164,750 | 1,175 |
| Average equity | $37,725,500 | 1,799 |
| Average total loans | $357,352,500 | 1,367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 4,333 |
| Cost of funding earning assets | 2.5888% | 1,317 |
| Net interest margin | 2.9623% | 6,649 |
| Noninterest income to average assets | 0.1253% | 7,348 |
| Noninterest expense to average assets | 2.4998% | 6,127 |
| Loan and lease loss provision to assets | 0.0984% | 6,188 |
| Net operating income to assets | 0.1196% | 5,503 |
| Return on assets (ROA) | 0.5603% | 3,953 |
| Pretax return on assets | 0.9038% | 3,323 |
| Return on Equity (ROE) | 9.1722% | 2,297 |
| Retained earnings to average equity (ytd only) | 7.1423% | 1,529 |
| Net charge-offs to loans | 0.5205% | 2,762 |
| Credit loss provision to net charge-offs | 31.7797% | 6,012 |
| Earnings coverage of net charge-offs (x) | 1.0127% | 4,772 |
| Efficiency ratio | 88.5611% | 1,946 |
| Assets per employee ($millions) | 5.5101% | 1,568 |
| Cash dividends to net income (ytd only)* | 22.1311% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 7,018 |
| Loan loss allowance to noncurrent loans | 25.2393% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 2.1760% | 2,967 |
| Noncurrent loans to loans | 3.3290% | 2,119 |
| Net loans and leases to total assets | 59.6520% | 5,739 |
| Net loans and leases to deposits | 101.9802% | 1,073 |
| Net loans and leases to core deposits | 117.3138% | 2,605 |
| Total domestic deposits to total assets | 58.4937% | 7,970 |
| Equity capital to assets | 6.3323% | 7,857 |
| Core capital (leverage) ratio | 6.3510% | 7,845 |
| Tier 1 risk-based capital ratio | 10.4790% | 6,394 |
| Total risk-based capital ratio | 11.3086% | 6,786 |
| Memoranda: | ||
| Average total assets | $609,648,330 | 1,171 |
| Average earning assets | $553,225,670 | 1,170 |
| Average equity | $37,243,000 | 1,829 |
| Average total loans | $362,693,330 | 1,379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7700% | 3,436 |
| Cost of funding earning assets | 2.7208% | 1,205 |
| Net interest margin | 3.0492% | 6,342 |
| Noninterest income to average assets | 0.2905% | 6,115 |
| Noninterest expense to average assets | 2.2386% | 6,728 |
| Loan and lease loss provision to assets | 0.0968% | 5,723 |
| Net operating income to assets | 0.4257% | 4,761 |
| Return on assets (ROA) | 0.6913% | 3,784 |
| Pretax return on assets | 1.1148% | 2,937 |
| Return on Equity (ROE) | 11.5169% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.4521% | 2,043 |
| Net charge-offs to loans | 0.0589% | 4,647 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 22.8519% | 1,300 |
| Efficiency ratio | 73.5006% | 3,915 |
| Assets per employee ($millions) | 5.6759% | 1,415 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 6,008 |
| Loan loss allowance to noncurrent loans | 30.9021% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 2.2438% | 2,554 |
| Noncurrent loans to loans | 3.3108% | 1,933 |
| Net loans and leases to total assets | 59.2576% | 5,774 |
| Net loans and leases to deposits | 99.3822% | 1,491 |
| Net loans and leases to core deposits | 114.7206% | 2,932 |
| Total domestic deposits to total assets | 59.6259% | 7,973 |
| Equity capital to assets | 6.2462% | 7,946 |
| Core capital (leverage) ratio | 5.9254% | 8,019 |
| Tier 1 risk-based capital ratio | 9.7200% | 7,229 |
| Total risk-based capital ratio | 10.7205% | 7,401 |
| Memoranda: | ||
| Average total assets | $619,684,500 | 1,146 |
| Average earning assets | $557,782,500 | 1,169 |
| Average equity | $37,197,500 | 1,837 |
| Average total loans | $366,703,000 | 1,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6111% | 2,432 |
| Cost of funding earning assets | 3.2867% | 963 |
| Net interest margin | 3.3244% | 5,953 |
| Noninterest income to average assets | 0.2922% | 6,373 |
| Noninterest expense to average assets | 2.3347% | 6,604 |
| Loan and lease loss provision to assets | 0.1482% | 5,462 |
| Net operating income to assets | 0.5434% | 4,559 |
| Return on assets (ROA) | -4.9050% | 8,069 |
| Pretax return on assets | -7.6268% | 8,186 |
| Return on Equity (ROE) | -111.2956% | 8,288 |
| Retained earnings to average equity (ytd only) | -113.7734% | 8,285 |
| Net charge-offs to loans | 0.1797% | 4,399 |
| Credit loss provision to net charge-offs | 139.2758% | 3,809 |
| Earnings coverage of net charge-offs (x) | 9.7228% | 2,645 |
| Efficiency ratio | 67.6401% | 4,788 |
| Assets per employee ($millions) | 5.9627% | 1,156 |
| Cash dividends to net income (ytd only)* | -2.2263% | 7,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 6,211 |
| Loan loss allowance to noncurrent loans | 29.6175% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 2.1780% | 2,248 |
| Noncurrent loans to loans | 3.3088% | 1,563 |
| Net loans and leases to total assets | 57.9352% | 6,204 |
| Net loans and leases to deposits | 94.3459% | 2,703 |
| Net loans and leases to core deposits | 111.4937% | 3,616 |
| Total domestic deposits to total assets | 61.4072% | 7,911 |
| Equity capital to assets | 5.7687% | 8,100 |
| Core capital (leverage) ratio | 5.6066% | 8,147 |
| Tier 1 risk-based capital ratio | 9.1165% | 7,700 |
| Total risk-based capital ratio | 10.0476% | 7,967 |
| Memoranda: | ||
| Average total assets | $674,906,200 | 988 |
| Average earning assets | $624,647,600 | 970 |
| Average equity | $29,744,200 | 2,276 |
| Average total loans | $399,466,000 | 1,212 |