Home > Pacific National Bank > Performance and Condition Ratios
Pacific National 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 | 5.6873% | 943 |
| Cost of funding earning assets | 2.4285% | 428 |
| Net interest margin | 3.2588% | 2,735 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6867% | 4,150 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1640% | 1,745 |
| Return on assets (ROA) | 1.1647% | 1,716 |
| Pretax return on assets | 1.5575% | 1,314 |
| Return on Equity (ROE) | 10.9400% | 2,242 |
| Retained earnings to average equity (ytd only) | 10.9366% | 804 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.4413% | 3,878 |
| Assets per employee ($millions) | 11.4725% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 4,214 |
| Loan loss allowance to noncurrent loans | 1,681.7276% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,540 |
| Noncurrent loans to loans | 0.0371% | 3,468 |
| Net loans and leases to total assets | 66.2700% | 2,230 |
| Net loans and leases to deposits | 81.8896% | 1,954 |
| Net loans and leases to core deposits | 100.1124% | 1,426 |
| Total domestic deposits to total assets | 80.9200% | 3,320 |
| Equity capital to assets | 11.0684% | 1,440 |
| Core capital (leverage) ratio | 11.3588% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2150% | 876 |
| Memoranda: | ||
| Average total assets | $1,188,102,400 | 862 |
| Average earning assets | $1,125,440,600 | 838 |
| Average equity | $126,528,800 | 782 |
| Average total loans | $776,363,600 | 886 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 766 |
| Cost of funding earning assets | 2.4208% | 326 |
| Net interest margin | 3.2988% | 2,688 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.6839% | 4,148 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3006% | 1,551 |
| Return on assets (ROA) | 1.3016% | 1,529 |
| Pretax return on assets | 1.7432% | 1,097 |
| Return on Equity (ROE) | 12.3500% | 2,040 |
| Retained earnings to average equity (ytd only) | 12.3467% | 915 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.6990% | 4,002 |
| Assets per employee ($millions) | 11.3702% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 4,237 |
| Loan loss allowance to noncurrent loans | 1,635.2159% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,564 |
| Noncurrent loans to loans | 0.0381% | 3,494 |
| Net loans and leases to total assets | 65.2000% | 2,322 |
| Net loans and leases to deposits | 80.6476% | 1,995 |
| Net loans and leases to core deposits | 95.1212% | 1,611 |
| Total domestic deposits to total assets | 80.8500% | 3,411 |
| Equity capital to assets | 11.1151% | 1,301 |
| Core capital (leverage) ratio | 11.2793% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1444% | 930 |
| Memoranda: | ||
| Average total assets | $1,181,108,000 | 870 |
| Average earning assets | $1,118,973,250 | 845 |
| Average equity | $124,510,750 | 786 |
| Average total loans | $767,728,250 | 893 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 749 |
| Cost of funding earning assets | 2.2579% | 304 |
| Net interest margin | 3.3238% | 2,701 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.6949% | 4,154 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2240% | 1,764 |
| Return on assets (ROA) | 1.2255% | 1,753 |
| Pretax return on assets | 1.6407% | 1,336 |
| Return on Equity (ROE) | 11.8500% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.8457% | 1,018 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.9950% | 3,933 |
| Assets per employee ($millions) | 11.5987% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 4,249 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.7700% | 2,302 |
| Net loans and leases to deposits | 79.8778% | 1,995 |
| Net loans and leases to core deposits | 92.9429% | 1,628 |
| Total domestic deposits to total assets | 81.0900% | 3,419 |
| Equity capital to assets | 10.7285% | 1,500 |
| Core capital (leverage) ratio | 11.0156% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0609% | 948 |
| Memoranda: | ||
| Average total assets | $1,173,065,333 | 863 |
| Average earning assets | $1,112,995,333 | 839 |
| Average equity | $121,360,000 | 802 |
| Average total loans | $760,044,667 | 888 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 758 |
| Cost of funding earning assets | 2.0305% | 281 |
| Net interest margin | 3.3445% | 2,766 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.5440% | 4,357 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.2924% | 1,691 |
| Return on assets (ROA) | 1.2954% | 1,660 |
| Pretax return on assets | 1.7416% | 1,187 |
| Return on Equity (ROE) | 12.8400% | 2,017 |
| Retained earnings to average equity (ytd only) | 12.8394% | 1,119 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.9548% | 4,303 |
| Assets per employee ($millions) | 12.0772% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6853% | 4,264 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.7300% | 2,087 |
| Net loans and leases to deposits | 80.4375% | 1,785 |
| Net loans and leases to core deposits | 92.2632% | 1,492 |
| Total domestic deposits to total assets | 81.7100% | 3,533 |
| Equity capital to assets | 10.3332% | 1,651 |
| Core capital (leverage) ratio | 10.6696% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6722% | 1,045 |
| Memoranda: | ||
| Average total assets | $1,167,866,000 | 883 |
| Average earning assets | $1,109,284,500 | 858 |
| Average equity | $117,824,500 | 835 |
| Average total loans | $754,418,000 | 903 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 1,799 |
| Cost of funding earning assets | 0.8361% | 344 |
| Net interest margin | 3.1330% | 3,077 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.8116% | 4,013 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9670% | 2,694 |
| Return on assets (ROA) | 0.9670% | 2,643 |
| Pretax return on assets | 1.2776% | 2,170 |
| Return on Equity (ROE) | 10.7200% | 2,571 |
| Retained earnings to average equity (ytd only) | 10.7238% | 951 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0526% | 3,462 |
| Assets per employee ($millions) | 12.5152% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 3,966 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.5000% | 2,384 |
| Net loans and leases to deposits | 76.0412% | 2,091 |
| Net loans and leases to core deposits | 84.9551% | 1,823 |
| Total domestic deposits to total assets | 82.1900% | 3,590 |
| Equity capital to assets | 9.8462% | 1,792 |
| Core capital (leverage) ratio | 10.5710% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5297% | 1,047 |
| Memoranda: | ||
| Average total assets | $1,101,608,000 | 901 |
| Average earning assets | $1,040,408,800 | 879 |
| Average equity | $99,340,200 | 948 |
| Average total loans | $674,680,400 | 936 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 2,244 |
| Cost of funding earning assets | 0.5914% | 456 |
| Net interest margin | 3.0438% | 3,103 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7428% | 4,089 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9375% | 2,725 |
| Return on assets (ROA) | 0.9375% | 2,687 |
| Pretax return on assets | 1.2584% | 2,179 |
| Return on Equity (ROE) | 10.6600% | 2,519 |
| Retained earnings to average equity (ytd only) | 10.6581% | 1,150 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.2998% | 3,597 |
| Assets per employee ($millions) | 11.6821% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 4,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.8000% | 2,212 |
| Net loans and leases to deposits | 75.7522% | 1,900 |
| Net loans and leases to core deposits | 81.8456% | 1,772 |
| Total domestic deposits to total assets | 82.9100% | 3,704 |
| Equity capital to assets | 9.0116% | 2,208 |
| Core capital (leverage) ratio | 9.5419% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1583% | 1,383 |
| Memoranda: | ||
| Average total assets | $1,086,030,500 | 916 |
| Average earning assets | $1,024,210,750 | 893 |
| Average equity | $95,524,750 | 988 |
| Average total loans | $659,968,250 | 953 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 2,898 |
| Cost of funding earning assets | 0.4587% | 664 |
| Net interest margin | 2.7917% | 3,471 |
| Noninterest income to average assets | 0.2180% | 3,891 |
| Noninterest expense to average assets | 1.6398% | 4,236 |
| Loan and lease loss provision to assets | 0.2092% | 386 |
| Net operating income to assets | 0.7445% | 3,159 |
| Return on assets (ROA) | 0.7445% | 3,118 |
| Pretax return on assets | 1.0006% | 2,730 |
| Return on Equity (ROE) | 8.5334% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.5334% | 1,425 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5449% | 3,618 |
| Assets per employee ($millions) | 11.5480% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.9054% | 1,922 |
| Net loans and leases to deposits | 77.6181% | 1,566 |
| Net loans and leases to core deposits | 83.8145% | 1,463 |
| Total domestic deposits to total assets | 82.3331% | 3,961 |
| Equity capital to assets | 8.9109% | 2,440 |
| Core capital (leverage) ratio | 9.6053% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6598% | 1,520 |
| Memoranda: | ||
| Average total assets | $1,069,766,667 | 922 |
| Average earning assets | $1,008,415,333 | 907 |
| Average equity | $93,327,667 | 1,019 |
| Average total loans | $640,769,333 | 967 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9688% | 3,345 |
| Cost of funding earning assets | 0.4246% | 757 |
| Net interest margin | 2.5442% | 3,799 |
| Noninterest income to average assets | 0.2959% | 3,345 |
| Noninterest expense to average assets | 1.7328% | 4,087 |
| Loan and lease loss provision to assets | 0.1051% | 798 |
| Net operating income to assets | 0.6337% | 3,283 |
| Return on assets (ROA) | 0.6337% | 3,263 |
| Pretax return on assets | 0.8515% | 2,933 |
| Return on Equity (ROE) | 7.3467% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.3467% | 1,785 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4293% | 2,976 |
| Assets per employee ($millions) | 11.7027% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 2,694 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.8752% | 2,433 |
| Net loans and leases to deposits | 68.2981% | 2,119 |
| Net loans and leases to core deposits | 73.3386% | 1,987 |
| Total domestic deposits to total assets | 83.2749% | 3,908 |
| Equity capital to assets | 9.2125% | 2,516 |
| Core capital (leverage) ratio | 10.1375% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2517% | 1,436 |
| Memoranda: | ||
| Average total assets | $1,050,344,500 | 941 |
| Average earning assets | $988,131,000 | 926 |
| Average equity | $90,598,000 | 1,081 |
| Average total loans | $603,798,500 | 1,013 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2785% | 3,276 |
| Cost of funding earning assets | 0.5311% | 786 |
| Net interest margin | 2.7474% | 3,787 |
| Noninterest income to average assets | 0.2627% | 3,802 |
| Noninterest expense to average assets | 1.8714% | 3,995 |
| Loan and lease loss provision to assets | 0.1016% | 1,236 |
| Net operating income to assets | 0.6432% | 3,764 |
| Return on assets (ROA) | 0.6406% | 3,828 |
| Pretax return on assets | 0.8524% | 3,618 |
| Return on Equity (ROE) | 7.3599% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.3599% | 1,778 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1563% | 2,236 |
| Assets per employee ($millions) | 11.3744% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 4,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 2,745 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.1023% | 2,468 |
| Net loans and leases to deposits | 68.4004% | 2,269 |
| Net loans and leases to core deposits | 74.4735% | 2,040 |
| Total domestic deposits to total assets | 83.4824% | 3,699 |
| Equity capital to assets | 7.9876% | 4,369 |
| Core capital (leverage) ratio | 8.2986% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1428% | 2,186 |
| Memoranda: | ||
| Average total assets | $875,141,600 | 1,068 |
| Average earning assets | $817,364,400 | 1,064 |
| Average equity | $76,169,400 | 1,258 |
| Average total loans | $514,524,400 | 1,136 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3569% | 3,226 |
| Cost of funding earning assets | 0.5754% | 720 |
| Net interest margin | 2.7815% | 3,820 |
| Noninterest income to average assets | 0.2398% | 3,966 |
| Noninterest expense to average assets | 1.8463% | 4,063 |
| Loan and lease loss provision to assets | 0.1165% | 1,027 |
| Net operating income to assets | 0.6487% | 3,904 |
| Return on assets (ROA) | 0.6450% | 3,968 |
| Pretax return on assets | 0.8585% | 3,776 |
| Return on Equity (ROE) | 7.2322% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.2322% | 2,334 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3350% | 2,196 |
| Assets per employee ($millions) | 10.6648% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 4,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 2,934 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.0657% | 2,486 |
| Net loans and leases to deposits | 70.2428% | 2,215 |
| Net loans and leases to core deposits | 77.2129% | 1,944 |
| Total domestic deposits to total assets | 82.6643% | 3,784 |
| Equity capital to assets | 8.2133% | 4,401 |
| Core capital (leverage) ratio | 8.8022% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3636% | 2,224 |
| Memoranda: | ||
| Average total assets | $840,845,500 | 1,112 |
| Average earning assets | $781,803,000 | 1,124 |
| Average equity | $74,996,500 | 1,293 |
| Average total loans | $497,358,000 | 1,187 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3719% | 3,257 |
| Cost of funding earning assets | 0.6355% | 620 |
| Net interest margin | 2.7364% | 3,905 |
| Noninterest income to average assets | 0.2934% | 3,669 |
| Noninterest expense to average assets | 1.9004% | 3,965 |
| Loan and lease loss provision to assets | 0.0702% | 1,649 |
| Net operating income to assets | 0.6427% | 3,889 |
| Return on assets (ROA) | 0.6389% | 3,961 |
| Pretax return on assets | 0.8500% | 3,768 |
| Return on Equity (ROE) | 6.9404% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.9404% | 2,455 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2613% | 1,973 |
| Assets per employee ($millions) | 10.0543% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,932 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.4175% | 2,734 |
| Net loans and leases to deposits | 70.5418% | 2,356 |
| Net loans and leases to core deposits | 78.5921% | 1,996 |
| Total domestic deposits to total assets | 81.3950% | 4,029 |
| Equity capital to assets | 9.2727% | 3,535 |
| Core capital (leverage) ratio | 9.6729% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2908% | 1,872 |
| Memoranda: | ||
| Average total assets | $797,628,000 | 1,161 |
| Average earning assets | $738,037,000 | 1,164 |
| Average equity | $73,425,333 | 1,310 |
| Average total loans | $473,643,667 | 1,234 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 2,859 |
| Cost of funding earning assets | 0.7005% | 547 |
| Net interest margin | 2.8210% | 3,712 |
| Noninterest income to average assets | 0.2537% | 3,881 |
| Noninterest expense to average assets | 1.9210% | 3,935 |
| Loan and lease loss provision to assets | 0.0212% | 2,504 |
| Net operating income to assets | 0.6975% | 3,711 |
| Return on assets (ROA) | 0.6975% | 3,775 |
| Pretax return on assets | 0.9269% | 3,545 |
| Return on Equity (ROE) | 7.6076% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.6076% | 2,379 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9548% | 2,090 |
| Assets per employee ($millions) | 9.2215% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,142 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.2056% | 2,645 |
| Net loans and leases to deposits | 73.5338% | 2,153 |
| Net loans and leases to core deposits | 82.8968% | 1,764 |
| Total domestic deposits to total assets | 80.5148% | 4,138 |
| Equity capital to assets | 9.2142% | 3,484 |
| Core capital (leverage) ratio | 9.3725% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1376% | 1,861 |
| Memoranda: | ||
| Average total assets | $774,163,000 | 1,178 |
| Average earning assets | $717,764,500 | 1,186 |
| Average equity | $70,981,500 | 1,333 |
| Average total loans | $465,743,500 | 1,251 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 3,697 |
| Cost of funding earning assets | 1.3031% | 176 |
| Net interest margin | 2.3469% | 4,693 |
| Noninterest income to average assets | 0.1813% | 4,380 |
| Noninterest expense to average assets | 2.0741% | 3,986 |
| Loan and lease loss provision to assets | 0.1771% | 2,178 |
| Net operating income to assets | 0.0619% | 4,693 |
| Return on assets (ROA) | 0.0823% | 4,715 |
| Pretax return on assets | 0.1144% | 4,695 |
| Return on Equity (ROE) | 0.8755% | 4,688 |
| Retained earnings to average equity (ytd only) | 0.8755% | 4,265 |
| Net charge-offs to loans | 0.0894% | 1,563 |
| Credit loss provision to net charge-offs | 319.0840% | 1,671 |
| Earnings coverage of net charge-offs (x) | 4.7863% | 2,936 |
| Efficiency ratio | 88.6468% | 424 |
| Assets per employee ($millions) | 9.2125% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 3,251 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.0264% | 2,857 |
| Net loans and leases to deposits | 74.0403% | 2,477 |
| Net loans and leases to core deposits | 84.8182% | 1,961 |
| Total domestic deposits to total assets | 81.0725% | 3,859 |
| Equity capital to assets | 9.1142% | 3,958 |
| Core capital (leverage) ratio | 9.2926% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6183% | 1,649 |
| Memoranda: | ||
| Average total assets | $708,099,800 | 1,170 |
| Average earning assets | $651,241,000 | 1,179 |
| Average equity | $66,593,800 | 1,352 |
| Average total loans | $439,673,000 | 1,254 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 3,712 |
| Cost of funding earning assets | 1.4399% | 150 |
| Net interest margin | 2.2953% | 4,781 |
| Noninterest income to average assets | 0.1927% | 4,322 |
| Noninterest expense to average assets | 2.0992% | 3,948 |
| Loan and lease loss provision to assets | 0.2219% | 1,818 |
| Net operating income to assets | -0.0217% | 4,785 |
| Return on assets (ROA) | 0.0060% | 4,789 |
| Pretax return on assets | 0.0136% | 4,777 |
| Return on Equity (ROE) | 0.0628% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.0628% | 4,469 |
| Net charge-offs to loans | 0.1208% | 1,158 |
| Credit loss provision to net charge-offs | 293.8931% | 1,785 |
| Earnings coverage of net charge-offs (x) | 2.6565% | 2,973 |
| Efficiency ratio | 91.2782% | 334 |
| Assets per employee ($millions) | 8.8340% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,050 |
| Loan loss allowance to noncurrent loans | 880.0434% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 3,063 |
| Noncurrent loans to loans | 0.1031% | 3,953 |
| Net loans and leases to total assets | 59.7044% | 3,257 |
| Net loans and leases to deposits | 73.9399% | 2,962 |
| Net loans and leases to core deposits | 86.8688% | 2,243 |
| Total domestic deposits to total assets | 80.7472% | 3,712 |
| Equity capital to assets | 9.1617% | 3,987 |
| Core capital (leverage) ratio | 9.3518% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1697% | 1,458 |
| Memoranda: | ||
| Average total assets | $693,966,250 | 1,170 |
| Average earning assets | $637,062,500 | 1,184 |
| Average equity | $65,819,750 | 1,348 |
| Average total loans | $433,807,000 | 1,263 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 3,568 |
| Cost of funding earning assets | 1.5440% | 144 |
| Net interest margin | 2.3734% | 4,806 |
| Noninterest income to average assets | 0.1587% | 4,500 |
| Noninterest expense to average assets | 2.1763% | 3,862 |
| Loan and lease loss provision to assets | 0.3248% | 1,317 |
| Net operating income to assets | -0.1304% | 4,839 |
| Return on assets (ROA) | -0.1148% | 4,837 |
| Pretax return on assets | -0.1463% | 4,834 |
| Return on Equity (ROE) | -1.1951% | 4,852 |
| Retained earnings to average equity (ytd only) | -1.1951% | 4,501 |
| Net charge-offs to loans | 0.1831% | 826 |
| Credit loss provision to net charge-offs | 280.1527% | 1,671 |
| Earnings coverage of net charge-offs (x) | 1.3690% | 2,864 |
| Efficiency ratio | 93.2028% | 316 |
| Assets per employee ($millions) | 8.9217% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 3,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,483 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 58.3726% | 3,483 |
| Net loans and leases to deposits | 72.8557% | 3,175 |
| Net loans and leases to core deposits | 84.8141% | 2,540 |
| Total domestic deposits to total assets | 80.1209% | 3,810 |
| Equity capital to assets | 8.7202% | 4,335 |
| Core capital (leverage) ratio | 9.4915% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0144% | 1,481 |
| Memoranda: | ||
| Average total assets | $677,935,333 | 1,176 |
| Average earning assets | $621,627,333 | 1,187 |
| Average equity | $65,098,000 | 1,349 |
| Average total loans | $429,376,333 | 1,258 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 3,290 |
| Cost of funding earning assets | 1.6484% | 159 |
| Net interest margin | 2.5311% | 4,809 |
| Noninterest income to average assets | 0.1476% | 4,627 |
| Noninterest expense to average assets | 2.4360% | 3,459 |
| Loan and lease loss provision to assets | 0.2448% | 1,271 |
| Net operating income to assets | -0.1775% | 4,842 |
| Return on assets (ROA) | -0.1433% | 4,803 |
| Pretax return on assets | -0.1750% | 4,800 |
| Return on Equity (ROE) | -1.4160% | 4,818 |
| Retained earnings to average equity (ytd only) | -1.4160% | 4,193 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8625% | 259 |
| Assets per employee ($millions) | 7.8737% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8673% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,500 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.7392% | 3,098 |
| Net loans and leases to deposits | 81.3084% | 2,544 |
| Net loans and leases to core deposits | 96.3921% | 1,756 |
| Total domestic deposits to total assets | 78.3919% | 4,158 |
| Equity capital to assets | 9.0717% | 4,560 |
| Core capital (leverage) ratio | 11.0287% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9259% | 1,619 |
| Memoranda: | ||
| Average total assets | $642,190,500 | 1,199 |
| Average earning assets | $587,733,500 | 1,211 |
| Average equity | $64,971,500 | 1,350 |
| Average total loans | $423,333,500 | 1,238 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 2,272 |
| Cost of funding earning assets | 1.7410% | 171 |
| Net interest margin | 2.9777% | 4,543 |
| Noninterest income to average assets | 0.2127% | 4,395 |
| Noninterest expense to average assets | 2.2693% | 4,026 |
| Loan and lease loss provision to assets | 0.1947% | 1,048 |
| Net operating income to assets | 0.3516% | 4,675 |
| Return on assets (ROA) | 0.3963% | 4,634 |
| Pretax return on assets | 0.5075% | 4,563 |
| Return on Equity (ROE) | 3.1117% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.1117% | 3,466 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8504% | 1,168 |
| Assets per employee ($millions) | 7.9871% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,294 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.1148% | 2,811 |
| Net loans and leases to deposits | 85.7216% | 2,132 |
| Net loans and leases to core deposits | 103.7017% | 1,251 |
| Total domestic deposits to total assets | 78.2939% | 4,312 |
| Equity capital to assets | 11.2271% | 2,785 |
| Core capital (leverage) ratio | 11.7629% | 1,915 |
| Tier 1 risk-based capital ratio | 16.1744% | 2,339 |
| Total risk-based capital ratio | 16.9671% | 2,433 |
| Memoranda: | ||
| Average total assets | $540,693,200 | 1,327 |
| Average earning assets | $490,686,400 | 1,352 |
| Average equity | $68,869,600 | 1,232 |
| Average total loans | $376,298,800 | 1,338 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 2,119 |
| Cost of funding earning assets | 1.7191% | 187 |
| Net interest margin | 3.0804% | 4,508 |
| Noninterest income to average assets | 0.2125% | 4,450 |
| Noninterest expense to average assets | 2.2397% | 4,095 |
| Loan and lease loss provision to assets | 0.2217% | 774 |
| Net operating income to assets | 0.4248% | 4,674 |
| Return on assets (ROA) | 0.4248% | 4,707 |
| Pretax return on assets | 0.5452% | 4,628 |
| Return on Equity (ROE) | 3.2205% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.2205% | 3,798 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4906% | 1,496 |
| Assets per employee ($millions) | 7.9206% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,349 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.4423% | 2,723 |
| Net loans and leases to deposits | 89.3677% | 1,770 |
| Net loans and leases to core deposits | 108.0153% | 1,057 |
| Total domestic deposits to total assets | 76.5851% | 4,574 |
| Equity capital to assets | 11.8819% | 2,346 |
| Core capital (leverage) ratio | 12.2648% | 1,702 |
| Tier 1 risk-based capital ratio | 16.6591% | 2,202 |
| Total risk-based capital ratio | 17.4427% | 2,297 |
| Memoranda: | ||
| Average total assets | $520,118,000 | 1,379 |
| Average earning assets | $471,790,000 | 1,412 |
| Average equity | $68,601,000 | 1,237 |
| Average total loans | $365,019,500 | 1,380 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 1,735 |
| Cost of funding earning assets | 1.6627% | 220 |
| Net interest margin | 3.2424% | 4,263 |
| Noninterest income to average assets | 0.2144% | 4,457 |
| Noninterest expense to average assets | 2.3091% | 3,980 |
| Loan and lease loss provision to assets | 0.1943% | 899 |
| Net operating income to assets | 0.5075% | 4,512 |
| Return on assets (ROA) | 0.5075% | 4,548 |
| Pretax return on assets | 0.6440% | 4,459 |
| Return on Equity (ROE) | 3.7038% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.7038% | 3,410 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3639% | 1,724 |
| Assets per employee ($millions) | 7.7311% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 4,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,217 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.6060% | 2,737 |
| Net loans and leases to deposits | 92.2868% | 1,458 |
| Net loans and leases to core deposits | 108.4370% | 1,069 |
| Total domestic deposits to total assets | 74.3400% | 4,809 |
| Equity capital to assets | 12.9724% | 1,601 |
| Core capital (leverage) ratio | 13.5354% | 1,104 |
| Tier 1 risk-based capital ratio | 18.1779% | 1,759 |
| Total risk-based capital ratio | 18.9462% | 1,836 |
| Memoranda: | ||
| Average total assets | $498,115,000 | 1,435 |
| Average earning assets | $450,591,000 | 1,466 |
| Average equity | $68,253,670 | 1,233 |
| Average total loans | $351,937,000 | 1,423 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 2,018 |
| Cost of funding earning assets | 1.6075% | 221 |
| Net interest margin | 3.1568% | 4,483 |
| Noninterest income to average assets | 0.2381% | 4,304 |
| Noninterest expense to average assets | 2.3861% | 3,804 |
| Loan and lease loss provision to assets | 0.2006% | 798 |
| Net operating income to assets | 0.3946% | 4,745 |
| Return on assets (ROA) | 0.3946% | 4,758 |
| Pretax return on assets | 0.5012% | 4,679 |
| Return on Equity (ROE) | 2.7973% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.7973% | 3,822 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2715% | 1,353 |
| Assets per employee ($millions) | 7.0275% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 4,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,192 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.7422% | 2,372 |
| Net loans and leases to deposits | 94.6176% | 1,098 |
| Net loans and leases to core deposits | 109.0491% | 980 |
| Total domestic deposits to total assets | 74.7665% | 4,875 |
| Equity capital to assets | 13.6567% | 1,153 |
| Core capital (leverage) ratio | 14.2035% | 896 |
| Tier 1 risk-based capital ratio | 18.9146% | 1,561 |
| Total risk-based capital ratio | 19.6606% | 1,627 |
| Memoranda: | ||
| Average total assets | $480,448,000 | 1,491 |
| Average earning assets | $433,730,000 | 1,525 |
| Average equity | $67,780,000 | 1,232 |
| Average total loans | $343,553,000 | 1,472 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 2,573 |
| Cost of funding earning assets | 1.1984% | 348 |
| Net interest margin | 3.2635% | 4,352 |
| Noninterest income to average assets | 0.1988% | 4,713 |
| Noninterest expense to average assets | 2.5863% | 3,374 |
| Loan and lease loss provision to assets | 0.0150% | 3,848 |
| Net operating income to assets | 0.4518% | 4,764 |
| Return on assets (ROA) | 0.4429% | 4,777 |
| Pretax return on assets | 0.5277% | 4,761 |
| Return on Equity (ROE) | 3.0809% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.0809% | 3,857 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3765% | 765 |
| Assets per employee ($millions) | 6.6934% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 4,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 3,037 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.3246% | 2,375 |
| Net loans and leases to deposits | 97.9096% | 910 |
| Net loans and leases to core deposits | 111.2627% | 920 |
| Total domestic deposits to total assets | 72.8474% | 5,015 |
| Equity capital to assets | 14.5904% | 810 |
| Core capital (leverage) ratio | 14.9560% | 706 |
| Tier 1 risk-based capital ratio | 20.0895% | 1,293 |
| Total risk-based capital ratio | 20.8352% | 1,357 |
| Memoranda: | ||
| Average total assets | $452,730,800 | 1,527 |
| Average earning assets | $407,964,000 | 1,559 |
| Average equity | $65,078,600 | 1,236 |
| Average total loans | $322,191,000 | 1,507 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,742 |
| Cost of funding earning assets | 1.1136% | 372 |
| Net interest margin | 3.2519% | 4,396 |
| Noninterest income to average assets | 0.2211% | 4,641 |
| Noninterest expense to average assets | 2.4748% | 3,667 |
| Loan and lease loss provision to assets | 0.0172% | 3,670 |
| Net operating income to assets | 0.5690% | 4,593 |
| Return on assets (ROA) | 0.5568% | 4,636 |
| Pretax return on assets | 0.6467% | 4,643 |
| Return on Equity (ROE) | 3.8882% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.8882% | 3,829 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4923% | 1,072 |
| Assets per employee ($millions) | 7.0657% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 4,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 3,134 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.3135% | 2,443 |
| Net loans and leases to deposits | 100.3501% | 753 |
| Net loans and leases to core deposits | 113.7257% | 833 |
| Total domestic deposits to total assets | 71.0647% | 5,178 |
| Equity capital to assets | 14.7015% | 780 |
| Core capital (leverage) ratio | 15.0054% | 702 |
| Tier 1 risk-based capital ratio | 20.4659% | 1,258 |
| Total risk-based capital ratio | 21.1935% | 1,312 |
| Memoranda: | ||
| Average total assets | $450,452,000 | 1,545 |
| Average earning assets | $406,112,250 | 1,577 |
| Average equity | $64,502,000 | 1,243 |
| Average total loans | $319,825,500 | 1,522 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,977 |
| Cost of funding earning assets | 1.0419% | 378 |
| Net interest margin | 3.1991% | 4,506 |
| Noninterest income to average assets | 0.2250% | 4,679 |
| Noninterest expense to average assets | 2.4856% | 3,667 |
| Loan and lease loss provision to assets | 0.0676% | 2,531 |
| Net operating income to assets | 0.4437% | 4,868 |
| Return on assets (ROA) | 0.4268% | 4,915 |
| Pretax return on assets | 0.5402% | 4,836 |
| Return on Equity (ROE) | 3.0074% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.0074% | 4,048 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8030% | 1,034 |
| Assets per employee ($millions) | 6.6820% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 4,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 3,199 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.1689% | 2,095 |
| Net loans and leases to deposits | 102.6662% | 613 |
| Net loans and leases to core deposits | 114.6880% | 761 |
| Total domestic deposits to total assets | 71.2687% | 5,223 |
| Equity capital to assets | 14.4227% | 825 |
| Core capital (leverage) ratio | 14.5059% | 780 |
| Tier 1 risk-based capital ratio | 19.7804% | 1,364 |
| Total risk-based capital ratio | 20.5041% | 1,442 |
| Memoranda: | ||
| Average total assets | $449,867,330 | 1,555 |
| Average earning assets | $406,359,000 | 1,586 |
| Average equity | $63,842,330 | 1,252 |
| Average total loans | $318,195,000 | 1,534 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 2,919 |
| Cost of funding earning assets | 0.9941% | 376 |
| Net interest margin | 3.1945% | 4,482 |
| Noninterest income to average assets | 0.1385% | 5,175 |
| Noninterest expense to average assets | 2.3994% | 3,945 |
| Loan and lease loss provision to assets | 0.0938% | 1,943 |
| Net operating income to assets | 0.4267% | 4,869 |
| Return on assets (ROA) | 0.4316% | 4,864 |
| Pretax return on assets | 0.5460% | 4,798 |
| Return on Equity (ROE) | 3.0668% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.0668% | 3,979 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1102% | 1,244 |
| Assets per employee ($millions) | 6.7548% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7231% | 4,979 |
| Loan loss allowance to noncurrent loans | 1,101.4493% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,104 |
| Noncurrent loans to loans | 0.0657% | 4,681 |
| Net loans and leases to total assets | 69.1663% | 2,607 |
| Net loans and leases to deposits | 96.1976% | 1,018 |
| Net loans and leases to core deposits | 108.3214% | 1,101 |
| Total domestic deposits to total assets | 71.9003% | 5,290 |
| Equity capital to assets | 13.9457% | 904 |
| Core capital (leverage) ratio | 14.2386% | 821 |
| Tier 1 risk-based capital ratio | 19.3840% | 1,456 |
| Total risk-based capital ratio | 20.0881% | 1,553 |
| Memoranda: | ||
| Average total assets | $447,613,500 | 1,573 |
| Average earning assets | $405,575,000 | 1,599 |
| Average equity | $62,997,000 | 1,275 |
| Average total loans | $309,898,500 | 1,560 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,362 |
| Cost of funding earning assets | 0.8520% | 479 |
| Net interest margin | 3.4376% | 3,731 |
| Noninterest income to average assets | 0.1392% | 5,256 |
| Noninterest expense to average assets | 2.1978% | 4,533 |
| Loan and lease loss provision to assets | 0.1653% | 1,334 |
| Net operating income to assets | 1.1244% | 1,773 |
| Return on assets (ROA) | 1.1972% | 1,556 |
| Pretax return on assets | 0.9844% | 3,635 |
| Return on Equity (ROE) | 9.6605% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.6605% | 399 |
| Net charge-offs to loans | 0.0547% | 2,705 |
| Credit loss provision to net charge-offs | 453.9773% | 695 |
| Earnings coverage of net charge-offs (x) | 29.5795% | 1,564 |
| Efficiency ratio | 67.1152% | 3,061 |
| Assets per employee ($millions) | 6.7069% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,041 |
| Loan loss allowance to noncurrent loans | 124.5704% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 3,278 |
| Noncurrent loans to loans | 0.5734% | 2,783 |
| Net loans and leases to total assets | 68.2958% | 2,778 |
| Net loans and leases to deposits | 94.4611% | 1,225 |
| Net loans and leases to core deposits | 108.0267% | 1,130 |
| Total domestic deposits to total assets | 72.3004% | 5,304 |
| Equity capital to assets | 14.2542% | 843 |
| Core capital (leverage) ratio | 13.5075% | 962 |
| Tier 1 risk-based capital ratio | 19.1733% | 1,476 |
| Total risk-based capital ratio | 19.8519% | 1,566 |
| Memoranda: | ||
| Average total assets | $483,447,200 | 1,445 |
| Average earning assets | $440,943,400 | 1,464 |
| Average equity | $59,914,200 | 1,311 |
| Average total loans | $321,734,600 | 1,479 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,402 |
| Cost of funding earning assets | 0.8093% | 546 |
| Net interest margin | 3.4484% | 3,683 |
| Noninterest income to average assets | 0.1037% | 5,467 |
| Noninterest expense to average assets | 2.1129% | 4,705 |
| Loan and lease loss provision to assets | 0.1745% | 1,156 |
| Net operating income to assets | 0.7923% | 3,549 |
| Return on assets (ROA) | 0.8508% | 3,322 |
| Pretax return on assets | 1.0331% | 3,555 |
| Return on Equity (ROE) | 7.1042% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.1042% | 1,640 |
| Net charge-offs to loans | 0.0732% | 2,086 |
| Credit loss provision to net charge-offs | 360.8939% | 841 |
| Earnings coverage of net charge-offs (x) | 23.5028% | 1,806 |
| Efficiency ratio | 65.0291% | 3,375 |
| Assets per employee ($millions) | 7.9394% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5851% | 5,354 |
| Loan loss allowance to noncurrent loans | 125.4817% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,819 |
| Noncurrent loans to loans | 0.4663% | 3,302 |
| Net loans and leases to total assets | 66.4756% | 3,046 |
| Net loans and leases to deposits | 91.9536% | 1,574 |
| Net loans and leases to core deposits | 103.0945% | 1,459 |
| Total domestic deposits to total assets | 72.2926% | 5,358 |
| Equity capital to assets | 11.7814% | 2,124 |
| Core capital (leverage) ratio | 11.8524% | 1,784 |
| Tier 1 risk-based capital ratio | 19.1117% | 1,553 |
| Total risk-based capital ratio | 19.7697% | 1,677 |
| Memoranda: | ||
| Average total assets | $493,644,750 | 1,430 |
| Average earning assets | $450,281,250 | 1,446 |
| Average equity | $59,118,500 | 1,337 |
| Average total loans | $326,045,500 | 1,471 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 2,622 |
| Cost of funding earning assets | 0.7662% | 626 |
| Net interest margin | 3.3962% | 3,784 |
| Noninterest income to average assets | 0.1131% | 5,471 |
| Noninterest expense to average assets | 2.1371% | 4,700 |
| Loan and lease loss provision to assets | 0.1687% | 1,165 |
| Net operating income to assets | 0.7204% | 3,750 |
| Return on assets (ROA) | 0.7619% | 3,629 |
| Pretax return on assets | 0.9573% | 3,737 |
| Return on Equity (ROE) | 6.3253% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.3253% | 1,951 |
| Net charge-offs to loans | 0.1120% | 1,513 |
| Credit loss provision to net charge-offs | 229.0503% | 1,144 |
| Earnings coverage of net charge-offs (x) | 14.5866% | 2,061 |
| Efficiency ratio | 66.5514% | 3,252 |
| Assets per employee ($millions) | 7.9074% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5339% | 5,480 |
| Loan loss allowance to noncurrent loans | 95.8087% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 3,647 |
| Noncurrent loans to loans | 0.5573% | 3,068 |
| Net loans and leases to total assets | 65.6339% | 3,157 |
| Net loans and leases to deposits | 95.5666% | 1,116 |
| Net loans and leases to core deposits | 107.4087% | 1,134 |
| Total domestic deposits to total assets | 68.6788% | 5,580 |
| Equity capital to assets | 11.7732% | 2,097 |
| Core capital (leverage) ratio | 12.0634% | 1,595 |
| Tier 1 risk-based capital ratio | 18.8318% | 1,630 |
| Total risk-based capital ratio | 19.4325% | 1,766 |
| Memoranda: | ||
| Average total assets | $486,173,000 | 1,455 |
| Average earning assets | $443,490,000 | 1,469 |
| Average equity | $58,558,330 | 1,346 |
| Average total loans | $319,703,000 | 1,490 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 2,700 |
| Cost of funding earning assets | 0.7595% | 617 |
| Net interest margin | 3.3270% | 3,923 |
| Noninterest income to average assets | 0.1277% | 5,483 |
| Noninterest expense to average assets | 2.2233% | 4,584 |
| Loan and lease loss provision to assets | 0.0680% | 2,449 |
| Net operating income to assets | 0.6333% | 4,006 |
| Return on assets (ROA) | 0.6333% | 4,049 |
| Pretax return on assets | 0.8643% | 3,884 |
| Return on Equity (ROE) | 5.1780% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.1780% | 2,796 |
| Net charge-offs to loans | 0.2252% | 797 |
| Credit loss provision to net charge-offs | 46.0227% | 2,019 |
| Earnings coverage of net charge-offs (x) | 6.3068% | 2,225 |
| Efficiency ratio | 70.4552% | 2,827 |
| Assets per employee ($millions) | 7.7622% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4563% | 5,636 |
| Loan loss allowance to noncurrent loans | 52.9797% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 3,018 |
| Noncurrent loans to loans | 0.8613% | 2,309 |
| Net loans and leases to total assets | 64.0226% | 3,275 |
| Net loans and leases to deposits | 89.1533% | 1,648 |
| Net loans and leases to core deposits | 99.2687% | 1,560 |
| Total domestic deposits to total assets | 71.8118% | 5,549 |
| Equity capital to assets | 11.8113% | 1,962 |
| Core capital (leverage) ratio | 12.2936% | 1,451 |
| Tier 1 risk-based capital ratio | 19.1486% | 1,577 |
| Total risk-based capital ratio | 19.6648% | 1,720 |
| Memoranda: | ||
| Average total assets | $476,222,000 | 1,484 |
| Average earning assets | $433,427,000 | 1,509 |
| Average equity | $58,246,500 | 1,348 |
| Average total loans | $312,584,500 | 1,517 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,433 |
| Cost of funding earning assets | 0.6283% | 1,162 |
| Net interest margin | 3.5894% | 3,109 |
| Noninterest income to average assets | 0.0922% | 5,661 |
| Noninterest expense to average assets | 2.2416% | 4,673 |
| Loan and lease loss provision to assets | 0.2104% | 1,077 |
| Net operating income to assets | 0.9010% | 2,815 |
| Return on assets (ROA) | 0.9789% | 2,552 |
| Pretax return on assets | 0.9949% | 3,493 |
| Return on Equity (ROE) | 7.8535% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.8535% | 903 |
| Net charge-offs to loans | 0.0123% | 3,860 |
| Credit loss provision to net charge-offs | 2,559.4595% | 161 |
| Earnings coverage of net charge-offs (x) | 136.9730% | 458 |
| Efficiency ratio | 66.5677% | 3,500 |
| Assets per employee ($millions) | 7.4701% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 5,650 |
| Loan loss allowance to noncurrent loans | 53.0940% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 2,802 |
| Noncurrent loans to loans | 0.9569% | 2,171 |
| Net loans and leases to total assets | 66.7376% | 2,965 |
| Net loans and leases to deposits | 95.4576% | 1,052 |
| Net loans and leases to core deposits | 104.4277% | 1,248 |
| Total domestic deposits to total assets | 69.9133% | 5,667 |
| Equity capital to assets | 12.7217% | 1,386 |
| Core capital (leverage) ratio | 12.3418% | 1,411 |
| Tier 1 risk-based capital ratio | 20.5230% | 1,286 |
| Total risk-based capital ratio | 21.0960% | 1,371 |
| Memoranda: | ||
| Average total assets | $450,179,400 | 1,507 |
| Average earning assets | $410,760,800 | 1,531 |
| Average equity | $56,115,400 | 1,370 |
| Average total loans | $301,462,400 | 1,508 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,562 |
| Cost of funding earning assets | 0.5989% | 1,339 |
| Net interest margin | 3.5855% | 3,132 |
| Noninterest income to average assets | 0.0930% | 5,736 |
| Noninterest expense to average assets | 2.3024% | 4,526 |
| Loan and lease loss provision to assets | 0.1708% | 1,331 |
| Net operating income to assets | 0.8744% | 3,034 |
| Return on assets (ROA) | 0.9542% | 2,778 |
| Pretax return on assets | 0.9756% | 3,718 |
| Return on Equity (ROE) | 7.6953% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.6953% | 1,318 |
| Net charge-offs to loans | 0.0164% | 3,398 |
| Credit loss provision to net charge-offs | 1,554.0541% | 298 |
| Earnings coverage of net charge-offs (x) | 96.8960% | 679 |
| Efficiency ratio | 68.3723% | 3,163 |
| Assets per employee ($millions) | 7.7105% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3703% | 5,819 |
| Loan loss allowance to noncurrent loans | 40.3761% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 3,016 |
| Noncurrent loans to loans | 0.9170% | 2,411 |
| Net loans and leases to total assets | 68.6906% | 2,697 |
| Net loans and leases to deposits | 89.8088% | 1,785 |
| Net loans and leases to core deposits | 96.6376% | 1,928 |
| Total domestic deposits to total assets | 76.4854% | 5,169 |
| Equity capital to assets | 12.4112% | 1,835 |
| Core capital (leverage) ratio | 12.1149% | 1,595 |
| Tier 1 risk-based capital ratio | 22.7308% | 1,040 |
| Total risk-based capital ratio | 23.2456% | 1,117 |
| Memoranda: | ||
| Average total assets | $448,805,000 | 1,513 |
| Average earning assets | $409,866,000 | 1,531 |
| Average equity | $55,651,750 | 1,392 |
| Average total loans | $300,412,750 | 1,522 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 2,795 |
| Cost of funding earning assets | 0.5648% | 1,577 |
| Net interest margin | 3.5519% | 3,289 |
| Noninterest income to average assets | 0.0901% | 5,812 |
| Noninterest expense to average assets | 2.3373% | 4,509 |
| Loan and lease loss provision to assets | 0.2008% | 1,064 |
| Net operating income to assets | 0.7713% | 3,439 |
| Return on assets (ROA) | 0.7713% | 3,586 |
| Pretax return on assets | 0.7938% | 4,308 |
| Return on Equity (ROE) | 6.2220% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.2220% | 2,005 |
| Net charge-offs to loans | 0.0252% | 2,979 |
| Credit loss provision to net charge-offs | 1,205.4054% | 319 |
| Earnings coverage of net charge-offs (x) | 59.7027% | 884 |
| Efficiency ratio | 70.1486% | 2,956 |
| Assets per employee ($millions) | 7.3064% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3449% | 5,917 |
| Loan loss allowance to noncurrent loans | 60.5991% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,978 |
| Noncurrent loans to loans | 0.5692% | 3,361 |
| Net loans and leases to total assets | 66.0318% | 3,078 |
| Net loans and leases to deposits | 91.8360% | 1,534 |
| Net loans and leases to core deposits | 98.4090% | 1,769 |
| Total domestic deposits to total assets | 71.9018% | 5,675 |
| Equity capital to assets | 12.2000% | 1,969 |
| Core capital (leverage) ratio | 12.2928% | 1,461 |
| Tier 1 risk-based capital ratio | 22.2297% | 1,110 |
| Total risk-based capital ratio | 22.6802% | 1,185 |
| Memoranda: | ||
| Average total assets | $444,196,330 | 1,531 |
| Average earning assets | $405,421,000 | 1,549 |
| Average equity | $55,063,000 | 1,406 |
| Average total loans | $294,228,670 | 1,546 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 2,503 |
| Cost of funding earning assets | 0.5408% | 1,785 |
| Net interest margin | 3.6513% | 2,884 |
| Noninterest income to average assets | -0.0284% | 6,093 |
| Noninterest expense to average assets | 2.3203% | 4,608 |
| Loan and lease loss provision to assets | 0.1431% | 1,473 |
| Net operating income to assets | 0.8135% | 3,173 |
| Return on assets (ROA) | 0.8135% | 3,300 |
| Pretax return on assets | 0.8337% | 4,087 |
| Return on Equity (ROE) | 6.5082% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.5082% | 2,129 |
| Net charge-offs to loans | 0.0512% | 2,017 |
| Credit loss provision to net charge-offs | 421.6216% | 682 |
| Earnings coverage of net charge-offs (x) | 28.7838% | 1,207 |
| Efficiency ratio | 70.3755% | 3,055 |
| Assets per employee ($millions) | 6.8875% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2620% | 6,019 |
| Loan loss allowance to noncurrent loans | 43.8940% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 3,156 |
| Noncurrent loans to loans | 0.5968% | 3,391 |
| Net loans and leases to total assets | 64.8074% | 3,134 |
| Net loans and leases to deposits | 90.6374% | 1,500 |
| Net loans and leases to core deposits | 95.4228% | 1,851 |
| Total domestic deposits to total assets | 71.5018% | 5,800 |
| Equity capital to assets | 12.3149% | 1,819 |
| Core capital (leverage) ratio | 12.5549% | 1,317 |
| Tier 1 risk-based capital ratio | 22.9617% | 1,017 |
| Total risk-based capital ratio | 23.3458% | 1,129 |
| Memoranda: | ||
| Average total assets | $436,142,500 | 1,561 |
| Average earning assets | $397,223,500 | 1,580 |
| Average equity | $54,516,000 | 1,417 |
| Average total loans | $288,843,500 | 1,568 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6387% | 4,563 |
| Cost of funding earning assets | 0.3736% | 3,440 |
| Net interest margin | 3.2651% | 4,422 |
| Noninterest income to average assets | 0.1129% | 5,837 |
| Noninterest expense to average assets | 2.5805% | 3,990 |
| Loan and lease loss provision to assets | 0.1328% | 1,799 |
| Net operating income to assets | 0.3161% | 5,317 |
| Return on assets (ROA) | 0.6036% | 4,349 |
| Pretax return on assets | 0.5971% | 4,844 |
| Return on Equity (ROE) | 4.5579% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.5579% | 2,736 |
| Net charge-offs to loans | -0.0261% | 5,352 |
| Credit loss provision to net charge-offs | -936.8421% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3640% | 1,055 |
| Assets per employee ($millions) | 6.6344% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2242% | 6,081 |
| Loan loss allowance to noncurrent loans | 37.0392% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 2,964 |
| Noncurrent loans to loans | 0.6053% | 3,353 |
| Net loans and leases to total assets | 67.3926% | 2,800 |
| Net loans and leases to deposits | 95.8941% | 1,024 |
| Net loans and leases to core deposits | 99.6060% | 1,542 |
| Total domestic deposits to total assets | 70.2781% | 5,881 |
| Equity capital to assets | 12.6943% | 1,511 |
| Core capital (leverage) ratio | 12.8547% | 1,206 |
| Tier 1 risk-based capital ratio | 22.9437% | 1,018 |
| Total risk-based capital ratio | 23.2844% | 1,120 |
| Memoranda: | ||
| Average total assets | $402,087,600 | 1,640 |
| Average earning assets | $358,366,000 | 1,687 |
| Average equity | $53,248,400 | 1,402 |
| Average total loans | $218,617,800 | 1,935 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,061 |
| Cost of funding earning assets | 0.3394% | 3,863 |
| Net interest margin | 3.1269% | 4,890 |
| Noninterest income to average assets | 0.1029% | 5,955 |
| Noninterest expense to average assets | 2.4826% | 4,251 |
| Loan and lease loss provision to assets | 0.1335% | 1,680 |
| Net operating income to assets | 0.2508% | 5,575 |
| Return on assets (ROA) | 0.6272% | 4,365 |
| Pretax return on assets | 0.6477% | 4,834 |
| Return on Equity (ROE) | 4.6841% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.6841% | 3,138 |
| Net charge-offs to loans | -0.0377% | 5,439 |
| Credit loss provision to net charge-offs | -696.4912% | 5,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3291% | 979 |
| Assets per employee ($millions) | 6.7854% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2111% | 6,172 |
| Loan loss allowance to noncurrent loans | 29.1475% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 2,867 |
| Noncurrent loans to loans | 0.7244% | 3,162 |
| Net loans and leases to total assets | 56.8469% | 4,259 |
| Net loans and leases to deposits | 74.9104% | 3,431 |
| Net loans and leases to core deposits | 77.2997% | 3,669 |
| Total domestic deposits to total assets | 75.8864% | 5,504 |
| Equity capital to assets | 12.7693% | 1,580 |
| Core capital (leverage) ratio | 12.8769% | 1,243 |
| Tier 1 risk-based capital ratio | 23.6898% | 980 |
| Total risk-based capital ratio | 23.9678% | 1,074 |
| Memoranda: | ||
| Average total assets | $396,459,500 | 1,679 |
| Average earning assets | $351,559,000 | 1,733 |
| Average equity | $53,085,500 | 1,414 |
| Average total loans | $201,574,250 | 2,071 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 5,261 |
| Cost of funding earning assets | 0.3213% | 4,139 |
| Net interest margin | 3.0661% | 5,056 |
| Noninterest income to average assets | 0.1545% | 5,784 |
| Noninterest expense to average assets | 2.5727% | 3,994 |
| Loan and lease loss provision to assets | 0.1190% | 1,861 |
| Net operating income to assets | 0.1527% | 5,804 |
| Return on assets (ROA) | 0.7292% | 3,860 |
| Pretax return on assets | 0.7503% | 4,495 |
| Return on Equity (ROE) | 5.3561% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.3561% | 2,635 |
| Net charge-offs to loans | -0.0582% | 5,602 |
| Credit loss provision to net charge-offs | -420.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3436% | 726 |
| Assets per employee ($millions) | 6.9163% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1456% | 6,264 |
| Loan loss allowance to noncurrent loans | 19.4700% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 2,893 |
| Noncurrent loans to loans | 0.7480% | 3,240 |
| Net loans and leases to total assets | 56.7906% | 4,245 |
| Net loans and leases to deposits | 75.4204% | 3,327 |
| Net loans and leases to core deposits | 77.9051% | 3,587 |
| Total domestic deposits to total assets | 75.2987% | 5,672 |
| Equity capital to assets | 13.0301% | 1,389 |
| Core capital (leverage) ratio | 13.4842% | 991 |
| Tier 1 risk-based capital ratio | 23.7985% | 978 |
| Total risk-based capital ratio | 24.0613% | 1,083 |
| Memoranda: | ||
| Average total assets | $388,380,330 | 1,713 |
| Average earning assets | $341,146,000 | 1,797 |
| Average equity | $52,874,000 | 1,432 |
| Average total loans | $188,879,330 | 2,192 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 5,069 |
| Cost of funding earning assets | 0.3151% | 4,278 |
| Net interest margin | 3.1425% | 4,813 |
| Noninterest income to average assets | 0.0972% | 6,099 |
| Noninterest expense to average assets | 2.7580% | 3,395 |
| Loan and lease loss provision to assets | -0.0232% | 6,123 |
| Net operating income to assets | 0.0708% | 5,925 |
| Return on assets (ROA) | 1.2902% | 1,390 |
| Pretax return on assets | 1.2902% | 2,329 |
| Return on Equity (ROE) | 9.2631% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.2631% | 1,112 |
| Net charge-offs to loans | -0.1196% | 5,915 |
| Credit loss provision to net charge-offs | 44.0000% | 2,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3051% | 422 |
| Assets per employee ($millions) | 6.5428% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0485% | 6,354 |
| Loan loss allowance to noncurrent loans | 4.6083% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 2,051 |
| Noncurrent loans to loans | 1.0515% | 2,659 |
| Net loans and leases to total assets | 43.4867% | 5,388 |
| Net loans and leases to deposits | 84.9252% | 1,961 |
| Net loans and leases to core deposits | 89.3984% | 2,186 |
| Total domestic deposits to total assets | 51.2058% | 6,359 |
| Equity capital to assets | 14.0143% | 982 |
| Core capital (leverage) ratio | 13.8253% | 877 |
| Tier 1 risk-based capital ratio | 25.3962% | 844 |
| Total risk-based capital ratio | 25.5405% | 948 |
| Memoranda: | ||
| Average total assets | $378,538,500 | 1,758 |
| Average earning assets | $326,241,500 | 1,891 |
| Average equity | $52,725,500 | 1,437 |
| Average total loans | $167,279,000 | 2,407 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6507% | 6,482 |
| Cost of funding earning assets | 0.0517% | 6,434 |
| Net interest margin | 0.5990% | 6,484 |
| Noninterest income to average assets | 0.0274% | 6,347 |
| Noninterest expense to average assets | 0.4931% | 6,484 |
| Loan and lease loss provision to assets | 0.0140% | 4,334 |
| Net operating income to assets | 0.0157% | 6,072 |
| Return on assets (ROA) | 0.0159% | 6,091 |
| Pretax return on assets | 0.0159% | 6,076 |
| Return on Equity (ROE) | 0.1361% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.1361% | 5,711 |
| Net charge-offs to loans | -0.0012% | 5,351 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3316% | 581 |
| Assets per employee ($millions) | 6.3150% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0305% | 6,446 |
| Loan loss allowance to noncurrent loans | 2.3466% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4497% | 1,898 |
| Noncurrent loans to loans | 1.2984% | 2,282 |
| Net loans and leases to total assets | 45.0306% | 5,402 |
| Net loans and leases to deposits | 85.8470% | 2,003 |
| Net loans and leases to core deposits | 90.1359% | 2,264 |
| Total domestic deposits to total assets | 52.4545% | 6,444 |
| Equity capital to assets | 14.1128% | 917 |
| Core capital (leverage) ratio | 13.6805% | 905 |
| Tier 1 risk-based capital ratio | 24.1721% | 933 |
| Total risk-based capital ratio | 24.1977% | 1,069 |
| Memoranda: | ||
| Average total assets | $357,718,600 | 1,825 |
| Average earning assets | $295,819,000 | 2,026 |
| Average equity | $41,879,000 | 1,716 |
| Average total loans | $167,018,800 | 2,352 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 4,114 |
| Cost of funding earning assets | 0.4195% | 3,582 |
| Net interest margin | 3.4959% | 3,855 |
| Noninterest income to average assets | 0.2735% | 5,252 |
| Noninterest expense to average assets | 2.9778% | 2,875 |
| Loan and lease loss provision to assets | -0.0707% | 6,226 |
| Net operating income to assets | 0.2610% | 5,709 |
| Return on assets (ROA) | 0.3015% | 5,650 |
| Pretax return on assets | 0.3015% | 5,769 |
| Return on Equity (ROE) | 2.7261% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.7261% | 4,653 |
| Net charge-offs to loans | 0.0594% | 3,359 |
| Credit loss provision to net charge-offs | -252.7027% | 5,613 |
| Earnings coverage of net charge-offs (x) | 6.7976% | 3,029 |
| Efficiency ratio | 93.9933% | 599 |
| Assets per employee ($millions) | 5.6886% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 3,032 |
| Loan loss allowance to noncurrent loans | 53.2805% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 2.2169% | 1,246 |
| Noncurrent loans to loans | 2.6837% | 1,066 |
| Net loans and leases to total assets | 47.2998% | 5,267 |
| Net loans and leases to deposits | 86.6506% | 1,836 |
| Net loans and leases to core deposits | 91.7225% | 2,055 |
| Total domestic deposits to total assets | 54.5868% | 6,517 |
| Equity capital to assets | 11.4050% | 2,579 |
| Core capital (leverage) ratio | 11.5459% | 2,029 |
| Tier 1 risk-based capital ratio | 19.5644% | 1,767 |
| Total risk-based capital ratio | 20.7447% | 1,750 |
| Memoranda: | ||
| Average total assets | $352,423,750 | 1,863 |
| Average earning assets | $291,799,500 | 2,067 |
| Average equity | $38,980,500 | 1,819 |
| Average total loans | $166,105,500 | 2,380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 4,109 |
| Cost of funding earning assets | 0.4212% | 3,642 |
| Net interest margin | 3.4866% | 3,833 |
| Noninterest income to average assets | 0.2929% | 5,077 |
| Noninterest expense to average assets | 3.0238% | 2,748 |
| Loan and lease loss provision to assets | -0.0675% | 6,330 |
| Net operating income to assets | 0.1981% | 5,844 |
| Return on assets (ROA) | 0.2390% | 5,808 |
| Pretax return on assets | 0.2390% | 5,895 |
| Return on Equity (ROE) | 2.1833% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.1833% | 4,800 |
| Net charge-offs to loans | -0.0073% | 5,249 |
| Credit loss provision to net charge-offs | 1,983.3333% | 190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8611% | 560 |
| Assets per employee ($millions) | 5.5353% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,809 |
| Loan loss allowance to noncurrent loans | 58.4433% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.1654% | 1,421 |
| Noncurrent loans to loans | 2.5993% | 1,184 |
| Net loans and leases to total assets | 46.9933% | 5,268 |
| Net loans and leases to deposits | 83.1321% | 2,129 |
| Net loans and leases to core deposits | 88.0775% | 2,309 |
| Total domestic deposits to total assets | 56.5285% | 6,578 |
| Equity capital to assets | 11.3443% | 2,560 |
| Core capital (leverage) ratio | 11.3342% | 2,133 |
| Tier 1 risk-based capital ratio | 19.3539% | 1,840 |
| Total risk-based capital ratio | 20.6038% | 1,802 |
| Memoranda: | ||
| Average total assets | $352,333,330 | 1,862 |
| Average earning assets | $289,165,670 | 2,081 |
| Average equity | $38,565,670 | 1,831 |
| Average total loans | $165,059,330 | 2,393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,876 |
| Cost of funding earning assets | 0.4237% | 3,715 |
| Net interest margin | 3.5309% | 3,569 |
| Noninterest income to average assets | 0.2459% | 5,393 |
| Noninterest expense to average assets | 3.0020% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0899% | 6,053 |
| Return on assets (ROA) | 0.1708% | 5,922 |
| Pretax return on assets | 0.1708% | 5,972 |
| Return on Equity (ROE) | 1.5892% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.5892% | 4,976 |
| Net charge-offs to loans | -0.0074% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0913% | 589 |
| Assets per employee ($millions) | 5.4861% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 2,623 |
| Loan loss allowance to noncurrent loans | 60.3146% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.2007% | 1,503 |
| Noncurrent loans to loans | 2.6808% | 1,261 |
| Net loans and leases to total assets | 46.5122% | 5,273 |
| Net loans and leases to deposits | 82.6049% | 1,990 |
| Net loans and leases to core deposits | 88.0106% | 2,095 |
| Total domestic deposits to total assets | 56.3069% | 6,654 |
| Equity capital to assets | 10.9883% | 2,724 |
| Core capital (leverage) ratio | 11.4644% | 1,988 |
| Tier 1 risk-based capital ratio | 19.9753% | 1,730 |
| Total risk-based capital ratio | 21.2267% | 1,692 |
| Memoranda: | ||
| Average total assets | $351,371,500 | 1,867 |
| Average earning assets | $283,212,500 | 2,124 |
| Average equity | $37,754,500 | 1,863 |
| Average total loans | $163,066,500 | 2,421 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 4,284 |
| Cost of funding earning assets | 0.3663% | 4,992 |
| Net interest margin | 3.5835% | 3,534 |
| Noninterest income to average assets | 0.2620% | 5,471 |
| Noninterest expense to average assets | 3.3207% | 2,089 |
| Loan and lease loss provision to assets | 0.0277% | 4,569 |
| Net operating income to assets | -0.2808% | 6,405 |
| Return on assets (ROA) | -0.2360% | 6,399 |
| Pretax return on assets | 0.0628% | 6,140 |
| Return on Equity (ROE) | -2.1002% | 6,386 |
| Retained earnings to average equity (ytd only) | -2.1002% | 6,186 |
| Net charge-offs to loans | 0.7459% | 860 |
| Credit loss provision to net charge-offs | 8.1719% | 4,607 |
| Earnings coverage of net charge-offs (x) | 0.0607% | 5,073 |
| Efficiency ratio | 99.3850% | 500 |
| Assets per employee ($millions) | 5.4097% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,485 |
| Loan loss allowance to noncurrent loans | 57.1398% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.2663% | 1,564 |
| Noncurrent loans to loans | 2.9299% | 1,193 |
| Net loans and leases to total assets | 44.7794% | 5,602 |
| Net loans and leases to deposits | 79.6781% | 2,497 |
| Net loans and leases to core deposits | 84.5245% | 2,616 |
| Total domestic deposits to total assets | 56.2004% | 6,736 |
| Equity capital to assets | 10.5019% | 3,158 |
| Core capital (leverage) ratio | 11.3681% | 2,056 |
| Tier 1 risk-based capital ratio | 19.8528% | 1,685 |
| Total risk-based capital ratio | 21.1041% | 1,657 |
| Memoranda: | ||
| Average total assets | $350,404,800 | 1,846 |
| Average earning assets | $301,099,000 | 1,971 |
| Average equity | $39,376,400 | 1,775 |
| Average total loans | $159,141,200 | 2,434 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 4,327 |
| Cost of funding earning assets | 0.3531% | 5,264 |
| Net interest margin | 3.5938% | 3,469 |
| Noninterest income to average assets | 0.2445% | 5,686 |
| Noninterest expense to average assets | 3.4397% | 1,744 |
| Loan and lease loss provision to assets | 0.0255% | 4,496 |
| Net operating income to assets | -0.4875% | 6,594 |
| Return on assets (ROA) | -0.4243% | 6,585 |
| Pretax return on assets | -0.0255% | 6,342 |
| Return on Equity (ROE) | -3.7143% | 6,556 |
| Retained earnings to average equity (ytd only) | -3.7143% | 6,417 |
| Net charge-offs to loans | 1.0036% | 566 |
| Credit loss provision to net charge-offs | 5.6020% | 4,276 |
| Earnings coverage of net charge-offs (x) | -0.1388% | 4,898 |
| Efficiency ratio | 101.8723% | 409 |
| Assets per employee ($millions) | 5.2942% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 2,760 |
| Loan loss allowance to noncurrent loans | 55.8090% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.2585% | 1,758 |
| Noncurrent loans to loans | 2.9773% | 1,359 |
| Net loans and leases to total assets | 44.0814% | 5,724 |
| Net loans and leases to deposits | 79.8571% | 2,433 |
| Net loans and leases to core deposits | 84.9862% | 2,545 |
| Total domestic deposits to total assets | 55.2003% | 6,817 |
| Equity capital to assets | 10.6662% | 3,106 |
| Core capital (leverage) ratio | 11.3911% | 2,134 |
| Tier 1 risk-based capital ratio | 19.6788% | 1,818 |
| Total risk-based capital ratio | 20.9295% | 1,779 |
| Memoranda: | ||
| Average total assets | $350,097,750 | 1,864 |
| Average earning assets | $305,111,250 | 1,950 |
| Average equity | $39,988,500 | 1,756 |
| Average total loans | $158,891,500 | 2,452 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,567 |
| Cost of funding earning assets | 0.3307% | 5,560 |
| Net interest margin | 3.5444% | 3,588 |
| Noninterest income to average assets | 0.2255% | 5,829 |
| Noninterest expense to average assets | 3.6728% | 1,295 |
| Loan and lease loss provision to assets | 0.2513% | 1,477 |
| Net operating income to assets | -1.1510% | 6,775 |
| Return on assets (ROA) | -1.1361% | 6,775 |
| Pretax return on assets | -0.5353% | 6,643 |
| Return on Equity (ROE) | -9.7281% | 6,735 |
| Retained earnings to average equity (ytd only) | -9.7281% | 6,657 |
| Net charge-offs to loans | 1.4617% | 369 |
| Credit loss provision to net charge-offs | 37.7261% | 3,459 |
| Earnings coverage of net charge-offs (x) | -0.4488% | 4,656 |
| Efficiency ratio | 108.8605% | 301 |
| Assets per employee ($millions) | 5.2222% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,017 |
| Loan loss allowance to noncurrent loans | 62.8195% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.4041% | 1,770 |
| Noncurrent loans to loans | 3.0738% | 1,445 |
| Net loans and leases to total assets | 44.9133% | 5,648 |
| Net loans and leases to deposits | 79.4471% | 2,409 |
| Net loans and leases to core deposits | 142.9610% | 117 |
| Total domestic deposits to total assets | 34.6997% | 6,892 |
| Equity capital to assets | 10.8522% | 2,890 |
| Core capital (leverage) ratio | 11.4654% | 1,962 |
| Tier 1 risk-based capital ratio | 18.8631% | 2,032 |
| Total risk-based capital ratio | 20.1163% | 1,989 |
| Memoranda: | ||
| Average total assets | $348,560,330 | 1,872 |
| Average earning assets | $309,612,330 | 1,932 |
| Average equity | $40,706,670 | 1,732 |
| Average total loans | $158,854,330 | 2,460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 4,567 |
| Cost of funding earning assets | 0.3099% | 5,891 |
| Net interest margin | 3.5650% | 3,409 |
| Noninterest income to average assets | 0.2157% | 5,932 |
| Noninterest expense to average assets | 3.5628% | 1,488 |
| Loan and lease loss provision to assets | 0.6231% | 399 |
| Net operating income to assets | -1.0122% | 6,810 |
| Return on assets (ROA) | -0.9837% | 6,818 |
| Pretax return on assets | -0.7521% | 6,746 |
| Return on Equity (ROE) | -8.1401% | 6,766 |
| Retained earnings to average equity (ytd only) | -8.1401% | 6,533 |
| Net charge-offs to loans | 2.7887% | 136 |
| Credit loss provision to net charge-offs | 49.1449% | 2,616 |
| Earnings coverage of net charge-offs (x) | -0.1242% | 3,857 |
| Efficiency ratio | 104.6247% | 427 |
| Assets per employee ($millions) | 5.2430% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 2,064 |
| Loan loss allowance to noncurrent loans | 62.1197% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.5220% | 1,820 |
| Noncurrent loans to loans | 3.2065% | 1,535 |
| Net loans and leases to total assets | 45.5869% | 5,478 |
| Net loans and leases to deposits | 84.7056% | 1,505 |
| Net loans and leases to core deposits | 158.2999% | 78 |
| Total domestic deposits to total assets | 32.1370% | 6,969 |
| Equity capital to assets | 12.0677% | 1,995 |
| Core capital (leverage) ratio | 11.5081% | 1,878 |
| Tier 1 risk-based capital ratio | 19.8811% | 1,808 |
| Total risk-based capital ratio | 21.1352% | 1,772 |
| Memoranda: | ||
| Average total assets | $350,507,500 | 1,889 |
| Average earning assets | $313,606,000 | 1,938 |
| Average equity | $42,358,000 | 1,684 |
| Average total loans | $159,357,000 | 2,454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 5,520 |
| Cost of funding earning assets | 0.3131% | 6,388 |
| Net interest margin | 3.6069% | 4,054 |
| Noninterest income to average assets | 0.5208% | 3,767 |
| Noninterest expense to average assets | 3.6517% | 1,499 |
| Loan and lease loss provision to assets | 0.2470% | 2,678 |
| Net operating income to assets | 0.2071% | 5,767 |
| Return on assets (ROA) | 0.2668% | 5,798 |
| Pretax return on assets | -0.1978% | 6,424 |
| Return on Equity (ROE) | 2.2776% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.2776% | 4,634 |
| Net charge-offs to loans | 0.0740% | 4,941 |
| Credit loss provision to net charge-offs | 826.1682% | 301 |
| Earnings coverage of net charge-offs (x) | -1.4766% | 5,805 |
| Efficiency ratio | 101.2237% | 516 |
| Assets per employee ($millions) | 5.2981% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3904% | 1,250 |
| Loan loss allowance to noncurrent loans | 37.1857% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.8814% | 1,123 |
| Noncurrent loans to loans | 6.4282% | 527 |
| Net loans and leases to total assets | 43.3800% | 5,871 |
| Net loans and leases to deposits | 73.8927% | 3,103 |
| Net loans and leases to core deposits | 126.8435% | 211 |
| Total domestic deposits to total assets | 37.1556% | 7,031 |
| Equity capital to assets | 12.1014% | 1,983 |
| Core capital (leverage) ratio | 11.6575% | 1,764 |
| Tier 1 risk-based capital ratio | 20.3675% | 1,590 |
| Total risk-based capital ratio | 21.6255% | 1,562 |
| Memoranda: | ||
| Average total assets | $357,916,400 | 1,816 |
| Average earning assets | $306,301,600 | 1,933 |
| Average equity | $41,931,000 | 1,664 |
| Average total loans | $144,628,800 | 2,656 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 5,639 |
| Cost of funding earning assets | 0.3145% | 6,537 |
| Net interest margin | 3.6436% | 4,038 |
| Noninterest income to average assets | 0.5692% | 3,479 |
| Noninterest expense to average assets | 3.7398% | 1,306 |
| Loan and lease loss provision to assets | 0.1383% | 3,816 |
| Net operating income to assets | -0.0019% | 6,284 |
| Return on assets (ROA) | 0.0747% | 6,308 |
| Pretax return on assets | -0.1052% | 6,483 |
| Return on Equity (ROE) | 0.6431% | 6,318 |
| Retained earnings to average equity (ytd only) | 0.6431% | 5,900 |
| Net charge-offs to loans | 0.3679% | 2,634 |
| Credit loss provision to net charge-offs | 95.3846% | 3,134 |
| Earnings coverage of net charge-offs (x) | -0.5974% | 5,519 |
| Efficiency ratio | 102.3710% | 464 |
| Assets per employee ($millions) | 5.2671% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 2,126 |
| Loan loss allowance to noncurrent loans | 31.2343% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 3.6732% | 1,351 |
| Noncurrent loans to loans | 6.4487% | 595 |
| Net loans and leases to total assets | 40.4214% | 6,246 |
| Net loans and leases to deposits | 68.5837% | 4,086 |
| Net loans and leases to core deposits | 120.6651% | 294 |
| Total domestic deposits to total assets | 36.6639% | 7,133 |
| Equity capital to assets | 11.8695% | 2,377 |
| Core capital (leverage) ratio | 11.3731% | 2,073 |
| Tier 1 risk-based capital ratio | 21.2645% | 1,464 |
| Total risk-based capital ratio | 22.5189% | 1,434 |
| Memoranda: | ||
| Average total assets | $358,651,750 | 1,836 |
| Average earning assets | $303,576,500 | 1,967 |
| Average equity | $41,674,500 | 1,687 |
| Average total loans | $141,346,250 | 2,739 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 5,818 |
| Cost of funding earning assets | 0.3055% | 6,719 |
| Net interest margin | 3.6334% | 4,114 |
| Noninterest income to average assets | 0.6510% | 2,951 |
| Noninterest expense to average assets | 3.9708% | 982 |
| Loan and lease loss provision to assets | 0.1165% | 4,069 |
| Net operating income to assets | -0.2356% | 6,570 |
| Return on assets (ROA) | -0.1332% | 6,560 |
| Pretax return on assets | -0.2140% | 6,595 |
| Return on Equity (ROE) | -1.1547% | 6,555 |
| Retained earnings to average equity (ytd only) | -1.1547% | 6,232 |
| Net charge-offs to loans | 0.5057% | 2,066 |
| Credit loss provision to net charge-offs | 59.3750% | 3,814 |
| Earnings coverage of net charge-offs (x) | -1.3125% | 5,336 |
| Efficiency ratio | 106.9349% | 379 |
| Assets per employee ($millions) | 5.0302% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 2,529 |
| Loan loss allowance to noncurrent loans | 27.5662% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 3.9127% | 1,325 |
| Noncurrent loans to loans | 6.9204% | 568 |
| Net loans and leases to total assets | 41.0617% | 6,266 |
| Net loans and leases to deposits | 67.0722% | 4,350 |
| Net loans and leases to core deposits | 117.0609% | 369 |
| Total domestic deposits to total assets | 39.1350% | 7,196 |
| Equity capital to assets | 11.6226% | 2,469 |
| Core capital (leverage) ratio | 11.2254% | 2,104 |
| Tier 1 risk-based capital ratio | 20.3833% | 1,609 |
| Total risk-based capital ratio | 21.6365% | 1,585 |
| Memoranda: | ||
| Average total assets | $358,815,000 | 1,834 |
| Average earning assets | $302,419,000 | 1,967 |
| Average equity | $41,395,330 | 1,691 |
| Average total loans | $139,211,670 | 2,772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 5,814 |
| Cost of funding earning assets | 0.3246% | 6,755 |
| Net interest margin | 3.6598% | 4,009 |
| Noninterest income to average assets | 0.5828% | 3,337 |
| Noninterest expense to average assets | 4.0628% | 867 |
| Loan and lease loss provision to assets | 0.1212% | 3,826 |
| Net operating income to assets | -0.5495% | 6,852 |
| Return on assets (ROA) | -0.4326% | 6,822 |
| Pretax return on assets | -0.4660% | 6,806 |
| Return on Equity (ROE) | -3.7640% | 6,793 |
| Retained earnings to average equity (ytd only) | -3.7640% | 6,469 |
| Net charge-offs to loans | 1.0025% | 1,034 |
| Credit loss provision to net charge-offs | 32.4405% | 3,585 |
| Earnings coverage of net charge-offs (x) | -1.2589% | 4,572 |
| Efficiency ratio | 113.0960% | 301 |
| Assets per employee ($millions) | 5.0990% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0194% | 2,303 |
| Loan loss allowance to noncurrent loans | 25.9715% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 4.4242% | 1,217 |
| Noncurrent loans to loans | 7.7755% | 511 |
| Net loans and leases to total assets | 37.0839% | 6,548 |
| Net loans and leases to deposits | 59.4097% | 5,228 |
| Net loans and leases to core deposits | 104.1673% | 761 |
| Total domestic deposits to total assets | 40.1226% | 7,260 |
| Equity capital to assets | 11.3718% | 2,557 |
| Core capital (leverage) ratio | 11.4045% | 1,957 |
| Tier 1 risk-based capital ratio | 21.6275% | 1,354 |
| Total risk-based capital ratio | 22.8809% | 1,330 |
| Memoranda: | ||
| Average total assets | $359,652,000 | 1,841 |
| Average earning assets | $295,753,000 | 2,008 |
| Average equity | $41,338,500 | 1,680 |
| Average total loans | $134,067,500 | 2,870 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 6,279 |
| Cost of funding earning assets | 0.3553% | 6,998 |
| Net interest margin | 3.7443% | 4,106 |
| Noninterest income to average assets | 0.4376% | 4,317 |
| Noninterest expense to average assets | 4.0226% | 1,006 |
| Loan and lease loss provision to assets | 0.1311% | 4,973 |
| Net operating income to assets | -1.2019% | 6,821 |
| Return on assets (ROA) | -0.9609% | 6,751 |
| Pretax return on assets | -0.3681% | 6,403 |
| Return on Equity (ROE) | -7.7516% | 6,665 |
| Retained earnings to average equity (ytd only) | -7.7516% | 6,609 |
| Net charge-offs to loans | 1.1585% | 1,468 |
| Credit loss provision to net charge-offs | 32.4133% | 5,751 |
| Earnings coverage of net charge-offs (x) | -1.1819% | 6,218 |
| Efficiency ratio | 113.4851% | 375 |
| Assets per employee ($millions) | 4.5805% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2835% | 1,649 |
| Loan loss allowance to noncurrent loans | 32.3466% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 4.0982% | 1,397 |
| Noncurrent loans to loans | 7.0595% | 626 |
| Net loans and leases to total assets | 35.8602% | 6,777 |
| Net loans and leases to deposits | 58.7580% | 5,626 |
| Net loans and leases to core deposits | 102.9614% | 967 |
| Total domestic deposits to total assets | 38.9606% | 7,309 |
| Equity capital to assets | 11.6179% | 2,410 |
| Core capital (leverage) ratio | 11.5017% | 1,890 |
| Tier 1 risk-based capital ratio | 22.5899% | 1,148 |
| Total risk-based capital ratio | 23.8454% | 1,128 |
| Memoranda: | ||
| Average total assets | $349,373,600 | 1,855 |
| Average earning assets | $289,906,400 | 2,023 |
| Average equity | $43,307,000 | 1,560 |
| Average total loans | $121,968,600 | 3,137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 6,344 |
| Cost of funding earning assets | 0.3583% | 7,107 |
| Net interest margin | 3.7735% | 3,997 |
| Noninterest income to average assets | 0.4490% | 4,303 |
| Noninterest expense to average assets | 4.1404% | 852 |
| Loan and lease loss provision to assets | 0.0910% | 5,320 |
| Net operating income to assets | -0.3323% | 6,531 |
| Return on assets (ROA) | -0.1597% | 6,417 |
| Pretax return on assets | -0.3554% | 6,537 |
| Return on Equity (ROE) | -1.2676% | 6,409 |
| Retained earnings to average equity (ytd only) | -1.2676% | 6,195 |
| Net charge-offs to loans | 1.4961% | 971 |
| Credit loss provision to net charge-offs | 17.6471% | 5,594 |
| Earnings coverage of net charge-offs (x) | -1.0365% | 5,936 |
| Efficiency ratio | 114.8148% | 364 |
| Assets per employee ($millions) | 4.4807% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4557% | 1,458 |
| Loan loss allowance to noncurrent loans | 33.7970% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 4.5347% | 1,322 |
| Noncurrent loans to loans | 7.2661% | 665 |
| Net loans and leases to total assets | 33.1622% | 6,990 |
| Net loans and leases to deposits | 56.6260% | 5,969 |
| Net loans and leases to core deposits | 175.3867% | 83 |
| Total domestic deposits to total assets | 37.7286% | 7,381 |
| Equity capital to assets | 13.1154% | 1,554 |
| Core capital (leverage) ratio | 12.7363% | 1,332 |
| Tier 1 risk-based capital ratio | 26.2072% | 814 |
| Total risk-based capital ratio | 27.4646% | 792 |
| Memoranda: | ||
| Average total assets | $347,398,000 | 1,871 |
| Average earning assets | $290,650,500 | 2,025 |
| Average equity | $43,756,750 | 1,552 |
| Average total loans | $119,682,250 | 3,209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 6,404 |
| Cost of funding earning assets | 0.3740% | 7,186 |
| Net interest margin | 3.7660% | 3,956 |
| Noninterest income to average assets | 0.3958% | 4,715 |
| Noninterest expense to average assets | 4.0756% | 937 |
| Loan and lease loss provision to assets | 0.2442% | 3,462 |
| Net operating income to assets | -0.6239% | 6,773 |
| Return on assets (ROA) | -0.4169% | 6,650 |
| Pretax return on assets | -0.5371% | 6,680 |
| Return on Equity (ROE) | -3.3552% | 6,611 |
| Retained earnings to average equity (ytd only) | -3.3552% | 6,413 |
| Net charge-offs to loans | 2.1159% | 613 |
| Credit loss provision to net charge-offs | 33.3594% | 4,933 |
| Earnings coverage of net charge-offs (x) | -0.7625% | 5,592 |
| Efficiency ratio | 115.8699% | 391 |
| Assets per employee ($millions) | 4.6268% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6260% | 1,277 |
| Loan loss allowance to noncurrent loans | 23.3890% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 5.3998% | 1,099 |
| Noncurrent loans to loans | 11.2277% | 303 |
| Net loans and leases to total assets | 33.5299% | 7,059 |
| Net loans and leases to deposits | 56.2775% | 6,107 |
| Net loans and leases to core deposits | 173.4820% | 92 |
| Total domestic deposits to total assets | 38.8716% | 7,452 |
| Equity capital to assets | 12.7355% | 1,654 |
| Core capital (leverage) ratio | 12.4693% | 1,374 |
| Tier 1 risk-based capital ratio | 25.0419% | 900 |
| Total risk-based capital ratio | 26.2988% | 886 |
| Memoranda: | ||
| Average total assets | $349,686,670 | 1,874 |
| Average earning assets | $289,855,000 | 2,037 |
| Average equity | $43,455,000 | 1,547 |
| Average total loans | $120,986,000 | 3,206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 6,456 |
| Cost of funding earning assets | 0.3972% | 7,230 |
| Net interest margin | 3.7257% | 3,968 |
| Noninterest income to average assets | 0.4358% | 4,408 |
| Noninterest expense to average assets | 3.8648% | 1,227 |
| Loan and lease loss provision to assets | 0.5706% | 1,513 |
| Net operating income to assets | -1.1162% | 7,072 |
| Return on assets (ROA) | -1.0958% | 7,077 |
| Pretax return on assets | -0.9317% | 6,977 |
| Return on Equity (ROE) | -8.9257% | 6,993 |
| Retained earnings to average equity (ytd only) | -8.9257% | 6,814 |
| Net charge-offs to loans | 2.2133% | 549 |
| Credit loss provision to net charge-offs | 74.3363% | 3,273 |
| Earnings coverage of net charge-offs (x) | -0.4971% | 4,792 |
| Efficiency ratio | 110.9522% | 482 |
| Assets per employee ($millions) | 4.4732% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1433% | 812 |
| Loan loss allowance to noncurrent loans | 29.8466% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 4.6103% | 1,399 |
| Noncurrent loans to loans | 10.5315% | 363 |
| Net loans and leases to total assets | 33.3385% | 7,117 |
| Net loans and leases to deposits | 54.2959% | 6,263 |
| Net loans and leases to core deposits | 168.7049% | 110 |
| Total domestic deposits to total assets | 40.9737% | 7,508 |
| Equity capital to assets | 12.2598% | 1,755 |
| Core capital (leverage) ratio | 11.8544% | 1,647 |
| Tier 1 risk-based capital ratio | 24.2154% | 953 |
| Total risk-based capital ratio | 25.4763% | 940 |
| Memoranda: | ||
| Average total assets | $353,339,500 | 1,866 |
| Average earning assets | $289,019,000 | 2,062 |
| Average equity | $43,380,500 | 1,539 |
| Average total loans | $122,531,000 | 3,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 7,197 |
| Cost of funding earning assets | 0.3375% | 7,478 |
| Net interest margin | 3.5642% | 4,983 |
| Noninterest income to average assets | 0.4784% | 4,327 |
| Noninterest expense to average assets | 5.4401% | 311 |
| Loan and lease loss provision to assets | 0.5631% | 2,873 |
| Net operating income to assets | -2.1511% | 7,096 |
| Return on assets (ROA) | -1.9235% | 7,050 |
| Pretax return on assets | -2.2655% | 7,107 |
| Return on Equity (ROE) | -17.4516% | 6,987 |
| Retained earnings to average equity (ytd only) | -17.4516% | 6,954 |
| Net charge-offs to loans | 2.5900% | 714 |
| Credit loss provision to net charge-offs | 64.0611% | 6,007 |
| Earnings coverage of net charge-offs (x) | -2.2411% | 6,713 |
| Efficiency ratio | 156.7754% | 178 |
| Assets per employee ($millions) | 4.5868% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1601% | 759 |
| Loan loss allowance to noncurrent loans | 30.2977% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 4.6077% | 1,448 |
| Noncurrent loans to loans | 10.4301% | 389 |
| Net loans and leases to total assets | 33.8254% | 7,235 |
| Net loans and leases to deposits | 56.6897% | 6,378 |
| Net loans and leases to core deposits | 181.1671% | 106 |
| Total domestic deposits to total assets | 39.9131% | 7,582 |
| Equity capital to assets | 12.2943% | 1,749 |
| Core capital (leverage) ratio | 12.0165% | 1,539 |
| Tier 1 risk-based capital ratio | 25.1601% | 828 |
| Total risk-based capital ratio | 26.4249% | 809 |
| Memoranda: | ||
| Average total assets | $379,830,200 | 1,727 |
| Average earning assets | $318,812,400 | 1,865 |
| Average equity | $41,864,400 | 1,581 |
| Average total loans | $128,917,400 | 3,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 7,370 |
| Cost of funding earning assets | 0.3132% | 7,632 |
| Net interest margin | 3.5479% | 5,117 |
| Noninterest income to average assets | 0.4775% | 4,347 |
| Noninterest expense to average assets | 3.5970% | 1,801 |
| Loan and lease loss provision to assets | 1.0318% | 1,433 |
| Net operating income to assets | -0.6033% | 6,664 |
| Return on assets (ROA) | -0.4529% | 6,602 |
| Pretax return on assets | -0.8750% | 6,786 |
| Return on Equity (ROE) | -4.2224% | 6,583 |
| Retained earnings to average equity (ytd only) | -4.2224% | 6,484 |
| Net charge-offs to loans | 4.0305% | 299 |
| Credit loss provision to net charge-offs | 75.9358% | 5,256 |
| Earnings coverage of net charge-offs (x) | -0.0576% | 6,076 |
| Efficiency ratio | 102.2222% | 678 |
| Assets per employee ($millions) | 4.7554% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2530% | 667 |
| Loan loss allowance to noncurrent loans | 33.4288% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 3.8437% | 1,839 |
| Noncurrent loans to loans | 9.7310% | 448 |
| Net loans and leases to total assets | 33.7087% | 7,354 |
| Net loans and leases to deposits | 43.9851% | 7,243 |
| Net loans and leases to core deposits | 295.9758% | 48 |
| Total domestic deposits to total assets | 41.4605% | 7,682 |
| Equity capital to assets | 11.5632% | 2,481 |
| Core capital (leverage) ratio | 11.0493% | 2,227 |
| Tier 1 risk-based capital ratio | 23.4186% | 1,015 |
| Total risk-based capital ratio | 24.6818% | 987 |
| Memoranda: | ||
| Average total assets | $385,346,000 | 1,732 |
| Average earning assets | $330,329,250 | 1,833 |
| Average equity | $41,334,250 | 1,604 |
| Average total loans | $129,905,500 | 3,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 7,454 |
| Cost of funding earning assets | 0.3069% | 7,710 |
| Net interest margin | 3.5580% | 5,015 |
| Noninterest income to average assets | 0.3363% | 5,462 |
| Noninterest expense to average assets | 3.4981% | 2,035 |
| Loan and lease loss provision to assets | 1.1098% | 1,289 |
| Net operating income to assets | -1.2113% | 7,034 |
| Return on assets (ROA) | -0.8632% | 6,903 |
| Pretax return on assets | -0.8632% | 6,822 |
| Return on Equity (ROE) | -8.2517% | 6,902 |
| Retained earnings to average equity (ytd only) | -8.2517% | 6,829 |
| Net charge-offs to loans | 4.1912% | 297 |
| Credit loss provision to net charge-offs | 79.3913% | 4,724 |
| Earnings coverage of net charge-offs (x) | -0.0726% | 5,782 |
| Efficiency ratio | 102.9882% | 711 |
| Assets per employee ($millions) | 5.2423% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4432% | 573 |
| Loan loss allowance to noncurrent loans | 40.7190% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 3.4405% | 2,046 |
| Noncurrent loans to loans | 8.4559% | 594 |
| Net loans and leases to total assets | 34.0801% | 7,418 |
| Net loans and leases to deposits | 39.6479% | 7,450 |
| Net loans and leases to core deposits | 89.4391% | 3,352 |
| Total domestic deposits to total assets | 43.2356% | 7,747 |
| Equity capital to assets | 11.1706% | 2,710 |
| Core capital (leverage) ratio | 10.6663% | 2,486 |
| Tier 1 risk-based capital ratio | 23.1072% | 1,055 |
| Total risk-based capital ratio | 24.3739% | 1,028 |
| Memoranda: | ||
| Average total assets | $390,155,000 | 1,726 |
| Average earning assets | $335,582,670 | 1,821 |
| Average equity | $40,815,670 | 1,619 |
| Average total loans | $130,128,670 | 3,198 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 7,572 |
| Cost of funding earning assets | 0.2928% | 7,820 |
| Net interest margin | 3.5360% | 5,013 |
| Noninterest income to average assets | 0.3561% | 5,288 |
| Noninterest expense to average assets | 3.8143% | 1,310 |
| Loan and lease loss provision to assets | 1.0492% | 1,177 |
| Net operating income to assets | -1.4739% | 7,322 |
| Return on assets (ROA) | -1.3700% | 7,298 |
| Pretax return on assets | -1.3700% | 7,212 |
| Return on Equity (ROE) | -13.5320% | 7,273 |
| Retained earnings to average equity (ytd only) | -13.5320% | 7,148 |
| Net charge-offs to loans | 4.4267% | 292 |
| Credit loss provision to net charge-offs | 73.0850% | 4,030 |
| Earnings coverage of net charge-offs (x) | -0.2959% | 5,206 |
| Efficiency ratio | 112.5298% | 549 |
| Assets per employee ($millions) | 4.9409% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6856% | 472 |
| Loan loss allowance to noncurrent loans | 35.1579% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 3.9039% | 1,768 |
| Noncurrent loans to loans | 10.4831% | 392 |
| Net loans and leases to total assets | 31.5092% | 7,581 |
| Net loans and leases to deposits | 35.9626% | 7,623 |
| Net loans and leases to core deposits | 77.1882% | 5,115 |
| Total domestic deposits to total assets | 46.2590% | 7,848 |
| Equity capital to assets | 10.6560% | 3,081 |
| Core capital (leverage) ratio | 10.6325% | 2,515 |
| Tier 1 risk-based capital ratio | 23.2983% | 1,034 |
| Total risk-based capital ratio | 24.5689% | 1,014 |
| Memoranda: | ||
| Average total assets | $396,509,500 | 1,739 |
| Average earning assets | $340,162,500 | 1,839 |
| Average equity | $40,142,000 | 1,674 |
| Average total loans | $128,582,500 | 3,287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 7,749 |
| Cost of funding earning assets | 0.3221% | 7,893 |
| Net interest margin | 3.5348% | 4,800 |
| Noninterest income to average assets | -0.0318% | 7,749 |
| Noninterest expense to average assets | 3.6297% | 2,079 |
| Loan and lease loss provision to assets | 2.6360% | 736 |
| Net operating income to assets | -2.2766% | 7,188 |
| Return on assets (ROA) | -2.2240% | 7,174 |
| Pretax return on assets | -3.0014% | 7,290 |
| Return on Equity (ROE) | -23.3748% | 7,245 |
| Retained earnings to average equity (ytd only) | -23.3748% | 7,215 |
| Net charge-offs to loans | 6.9381% | 123 |
| Credit loss provision to net charge-offs | 132.7913% | 3,768 |
| Earnings coverage of net charge-offs (x) | -0.2199% | 6,474 |
| Efficiency ratio | 113.6670% | 718 |
| Assets per employee ($millions) | 5.2335% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0265% | 356 |
| Loan loss allowance to noncurrent loans | 32.3937% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 5.1653% | 1,162 |
| Noncurrent loans to loans | 12.4300% | 262 |
| Net loans and leases to total assets | 30.8498% | 7,694 |
| Net loans and leases to deposits | 34.8229% | 7,746 |
| Net loans and leases to core deposits | 82.7343% | 5,846 |
| Total domestic deposits to total assets | 45.2526% | 7,925 |
| Equity capital to assets | 9.5950% | 4,276 |
| Core capital (leverage) ratio | 9.0460% | 4,351 |
| Tier 1 risk-based capital ratio | 20.6625% | 1,351 |
| Total risk-based capital ratio | 21.9352% | 1,315 |
| Memoranda: | ||
| Average total assets | $446,123,400 | 1,552 |
| Average earning assets | $407,040,800 | 1,555 |
| Average equity | $42,447,400 | 1,576 |
| Average total loans | $127,643,000 | 3,316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 7,858 |
| Cost of funding earning assets | 0.3221% | 7,994 |
| Net interest margin | 3.4996% | 4,868 |
| Noninterest income to average assets | 0.4501% | 4,895 |
| Noninterest expense to average assets | 3.6418% | 1,939 |
| Loan and lease loss provision to assets | 2.0249% | 886 |
| Net operating income to assets | -1.1872% | 6,952 |
| Return on assets (ROA) | -1.1872% | 6,958 |
| Pretax return on assets | -1.9827% | 7,174 |
| Return on Equity (ROE) | -12.5002% | 7,046 |
| Retained earnings to average equity (ytd only) | -12.5002% | 6,975 |
| Net charge-offs to loans | 2.1704% | 891 |
| Credit loss provision to net charge-offs | 335.0506% | 1,226 |
| Earnings coverage of net charge-offs (x) | 0.0698% | 5,978 |
| Efficiency ratio | 98.8548% | 1,120 |
| Assets per employee ($millions) | 5.6933% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6473% | 97 |
| Loan loss allowance to noncurrent loans | 36.6408% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 6.7655% | 725 |
| Noncurrent loans to loans | 15.4127% | 137 |
| Net loans and leases to total assets | 29.8780% | 7,809 |
| Net loans and leases to deposits | 34.1542% | 7,857 |
| Net loans and leases to core deposits | 74.6442% | 6,692 |
| Total domestic deposits to total assets | 48.9697% | 7,983 |
| Equity capital to assets | 11.2718% | 2,770 |
| Core capital (leverage) ratio | 8.8746% | 4,855 |
| Tier 1 risk-based capital ratio | 22.4862% | 1,172 |
| Total risk-based capital ratio | 23.7716% | 1,145 |
| Memoranda: | ||
| Average total assets | $458,217,500 | 1,518 |
| Average earning assets | $423,429,500 | 1,505 |
| Average equity | $43,518,250 | 1,559 |
| Average total loans | $127,590,750 | 3,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 7,985 |
| Cost of funding earning assets | 0.3123% | 8,097 |
| Net interest margin | 3.4291% | 5,066 |
| Noninterest income to average assets | 0.4325% | 5,007 |
| Noninterest expense to average assets | 3.2582% | 3,121 |
| Loan and lease loss provision to assets | 1.2487% | 1,369 |
| Net operating income to assets | -0.4685% | 6,517 |
| Return on assets (ROA) | -0.4685% | 6,527 |
| Pretax return on assets | -0.8726% | 6,732 |
| Return on Equity (ROE) | -5.2032% | 6,634 |
| Retained earnings to average equity (ytd only) | -5.2032% | 6,333 |
| Net charge-offs to loans | 1.1573% | 1,572 |
| Credit loss provision to net charge-offs | 402.8340% | 1,149 |
| Earnings coverage of net charge-offs (x) | 1.2132% | 4,624 |
| Efficiency ratio | 89.6524% | 1,848 |
| Assets per employee ($millions) | 7.2723% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6236% | 341 |
| Loan loss allowance to noncurrent loans | 25.1330% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 4.8032% | 1,138 |
| Noncurrent loans to loans | 14.4178% | 148 |
| Net loans and leases to total assets | 23.4537% | 7,999 |
| Net loans and leases to deposits | 25.8476% | 8,029 |
| Net loans and leases to core deposits | 69.5991% | 7,042 |
| Total domestic deposits to total assets | 40.8179% | 8,094 |
| Equity capital to assets | 8.2959% | 6,335 |
| Core capital (leverage) ratio | 7.6963% | 6,765 |
| Tier 1 risk-based capital ratio | 20.1110% | 1,559 |
| Total risk-based capital ratio | 21.3734% | 1,518 |
| Memoranda: | ||
| Average total assets | $478,112,000 | 1,488 |
| Average earning assets | $446,416,330 | 1,448 |
| Average equity | $43,050,330 | 1,582 |
| Average total loans | $128,054,000 | 3,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9163% | 8,015 |
| Cost of funding earning assets | 0.3448% | 8,148 |
| Net interest margin | 3.5714% | 4,446 |
| Noninterest income to average assets | 0.4461% | 4,817 |
| Noninterest expense to average assets | 2.9267% | 4,067 |
| Loan and lease loss provision to assets | 0.3268% | 3,360 |
| Net operating income to assets | 0.3951% | 4,874 |
| Return on assets (ROA) | 0.3951% | 5,052 |
| Pretax return on assets | 0.5240% | 5,007 |
| Return on Equity (ROE) | 4.2062% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.2062% | 3,570 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4777% | 3,255 |
| Assets per employee ($millions) | 6.6025% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 1,460 |
| Loan loss allowance to noncurrent loans | 16.9554% | 7,315 |
| Noncurrent assets plus other real estate owned to assets | 4.7549% | 979 |
| Noncurrent loans to loans | 11.6947% | 188 |
| Net loans and leases to total assets | 27.2748% | 7,975 |
| Net loans and leases to deposits | 30.3436% | 8,032 |
| Net loans and leases to core deposits | 69.3075% | 7,065 |
| Total domestic deposits to total assets | 46.8179% | 8,120 |
| Equity capital to assets | 9.2688% | 4,984 |
| Core capital (leverage) ratio | 8.4881% | 5,562 |
| Tier 1 risk-based capital ratio | 20.4484% | 1,529 |
| Total risk-based capital ratio | 21.6994% | 1,502 |
| Memoranda: | ||
| Average total assets | $462,638,500 | 1,544 |
| Average earning assets | $431,534,000 | 1,507 |
| Average equity | $43,460,000 | 1,570 |
| Average total loans | $130,140,000 | 3,361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 8,018 |
| Cost of funding earning assets | 0.9570% | 8,073 |
| Net interest margin | 3.6018% | 4,877 |
| Noninterest income to average assets | 0.5634% | 4,126 |
| Noninterest expense to average assets | 3.0989% | 3,694 |
| Loan and lease loss provision to assets | 0.9672% | 1,524 |
| Net operating income to assets | -0.0686% | 6,468 |
| Return on assets (ROA) | 0.0802% | 5,998 |
| Pretax return on assets | 0.0644% | 6,019 |
| Return on Equity (ROE) | 0.8910% | 5,952 |
| Retained earnings to average equity (ytd only) | 0.8910% | 4,697 |
| Net charge-offs to loans | 2.4649% | 395 |
| Credit loss provision to net charge-offs | 151.1345% | 3,469 |
| Earnings coverage of net charge-offs (x) | 1.3795% | 5,436 |
| Efficiency ratio | 77.8277% | 2,943 |
| Assets per employee ($millions) | 6.7149% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,751 |
| Loan loss allowance to noncurrent loans | 32.0668% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 3.1518% | 1,452 |
| Noncurrent loans to loans | 5.4696% | 753 |
| Net loans and leases to total assets | 27.9515% | 8,034 |
| Net loans and leases to deposits | 31.3103% | 8,103 |
| Net loans and leases to core deposits | 66.7706% | 7,335 |
| Total domestic deposits to total assets | 48.9268% | 8,133 |
| Equity capital to assets | 9.5262% | 4,647 |
| Core capital (leverage) ratio | 8.9835% | 4,767 |
| Tier 1 risk-based capital ratio | 22.1330% | 1,301 |
| Total risk-based capital ratio | 23.2906% | 1,279 |
| Memoranda: | ||
| Average total assets | $475,168,200 | 1,451 |
| Average earning assets | $450,972,000 | 1,378 |
| Average equity | $42,759,600 | 1,567 |
| Average total loans | $123,371,600 | 3,393 |