Home > Patriot Bank > Performance and Condition Ratios
Patriot Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 2,108 |
| Cost of funding earning assets | 3.4568% | 123 |
| Net interest margin | 2.0359% | 4,284 |
| Noninterest income to average assets | 1.1100% | 505 |
| Noninterest expense to average assets | 3.4465% | 625 |
| Loan and lease loss provision to assets | 0.3000% | 367 |
| Net operating income to assets | -0.7457% | 4,349 |
| Return on assets (ROA) | -0.7457% | 4,380 |
| Pretax return on assets | -0.7457% | 4,367 |
| Return on Equity (ROE) | -13.0300% | 4,401 |
| Retained earnings to average equity (ytd only) | -13.0321% | 4,304 |
| Net charge-offs to loans | 0.7514% | 202 |
| Credit loss provision to net charge-offs | 56.7568% | 1,513 |
| Earnings coverage of net charge-offs (x) | -0.8273% | 4,423 |
| Efficiency ratio | 114.7716% | 148 |
| Assets per employee ($millions) | 7.6524% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,378 |
| Loan loss allowance to noncurrent loans | 22.6520% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 3.3763% | 74 |
| Noncurrent loans to loans | 4.2741% | 101 |
| Net loans and leases to total assets | 71.9600% | 1,608 |
| Net loans and leases to deposits | 78.9328% | 2,150 |
| Net loans and leases to core deposits | 96.0000% | 1,636 |
| Total domestic deposits to total assets | 91.1600% | 476 |
| Equity capital to assets | 8.1939% | 3,499 |
| Core capital (leverage) ratio | 9.2278% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1350% | 1,813 |
| Memoranda: | ||
| Average total assets | $984,298,000 | 1,032 |
| Average earning assets | $913,792,000 | 1,038 |
| Average equity | $56,322,500 | 1,620 |
| Average total loans | $709,098,500 | 1,020 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4999% | 2,137 |
| Cost of funding earning assets | 3.1018% | 406 |
| Net interest margin | 2.3981% | 3,998 |
| Noninterest income to average assets | 0.8400% | 845 |
| Noninterest expense to average assets | 3.0720% | 1,036 |
| Loan and lease loss provision to assets | 1.2000% | 60 |
| Net operating income to assets | -3.5995% | 4,448 |
| Return on assets (ROA) | -3.6317% | 4,486 |
| Pretax return on assets | -1.2671% | 4,444 |
| Return on Equity (ROE) | -63.4900% | 4,479 |
| Retained earnings to average equity (ytd only) | -63.4914% | 4,505 |
| Net charge-offs to loans | 2.6608% | 63 |
| Credit loss provision to net charge-offs | 59.2705% | 2,282 |
| Earnings coverage of net charge-offs (x) | -0.0173% | 4,396 |
| Efficiency ratio | 101.0118% | 264 |
| Assets per employee ($millions) | 7.8453% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,171 |
| Loan loss allowance to noncurrent loans | 28.2362% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.8372% | 94 |
| Noncurrent loans to loans | 3.5774% | 132 |
| Net loans and leases to total assets | 70.7300% | 1,808 |
| Net loans and leases to deposits | 73.9148% | 2,654 |
| Net loans and leases to core deposits | 98.5479% | 1,547 |
| Total domestic deposits to total assets | 95.7000% | 35 |
| Equity capital to assets | 3.3858% | 4,447 |
| Core capital (leverage) ratio | 5.7923% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.7120% | 2,789 |
| Memoranda: | ||
| Average total assets | $1,038,191,600 | 975 |
| Average earning assets | $952,056,400 | 978 |
| Average equity | $59,384,400 | 1,505 |
| Average total loans | $795,391,600 | 906 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 1,924 |
| Cost of funding earning assets | 3.1437% | 392 |
| Net interest margin | 2.4451% | 3,959 |
| Noninterest income to average assets | 0.8200% | 844 |
| Noninterest expense to average assets | 2.9987% | 1,111 |
| Loan and lease loss provision to assets | 0.6100% | 128 |
| Net operating income to assets | -3.6592% | 4,489 |
| Return on assets (ROA) | -3.6622% | 4,522 |
| Pretax return on assets | -0.5531% | 4,406 |
| Return on Equity (ROE) | -58.2700% | 4,509 |
| Retained earnings to average equity (ytd only) | -58.2669% | 4,532 |
| Net charge-offs to loans | 0.9525% | 147 |
| Credit loss provision to net charge-offs | 83.8066% | 1,816 |
| Earnings coverage of net charge-offs (x) | 0.0802% | 2,730 |
| Efficiency ratio | 97.9093% | 315 |
| Assets per employee ($millions) | 7.7288% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 434 |
| Loan loss allowance to noncurrent loans | 36.9838% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 4.4523% | 34 |
| Noncurrent loans to loans | 5.2663% | 66 |
| Net loans and leases to total assets | 77.4600% | 934 |
| Net loans and leases to deposits | 91.0882% | 1,138 |
| Net loans and leases to core deposits | 109.1593% | 973 |
| Total domestic deposits to total assets | 85.0400% | 2,278 |
| Equity capital to assets | 4.7145% | 4,465 |
| Core capital (leverage) ratio | 6.5349% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.2875% | 2,825 |
| Memoranda: | ||
| Average total assets | $1,044,728,500 | 966 |
| Average earning assets | $955,037,000 | 970 |
| Average equity | $65,664,000 | 1,380 |
| Average total loans | $813,446,000 | 885 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 1,737 |
| Cost of funding earning assets | 3.1798% | 334 |
| Net interest margin | 2.4397% | 3,950 |
| Noninterest income to average assets | 0.8100% | 850 |
| Noninterest expense to average assets | 2.8374% | 1,385 |
| Loan and lease loss provision to assets | 0.7000% | 116 |
| Net operating income to assets | -0.4268% | 4,395 |
| Return on assets (ROA) | -0.4306% | 4,424 |
| Pretax return on assets | -0.5204% | 4,423 |
| Return on Equity (ROE) | -6.3700% | 4,429 |
| Retained earnings to average equity (ytd only) | -6.3669% | 4,357 |
| Net charge-offs to loans | 1.1404% | 116 |
| Credit loss provision to net charge-offs | 80.1779% | 1,647 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 2,531 |
| Efficiency ratio | 93.8456% | 436 |
| Assets per employee ($millions) | 8.5848% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 479 |
| Loan loss allowance to noncurrent loans | 38.8830% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 3.9847% | 36 |
| Noncurrent loans to loans | 4.8772% | 60 |
| Net loans and leases to total assets | 74.6500% | 1,348 |
| Net loans and leases to deposits | 96.4573% | 762 |
| Net loans and leases to core deposits | 107.6984% | 1,060 |
| Total domestic deposits to total assets | 77.3900% | 3,772 |
| Equity capital to assets | 6.7676% | 4,021 |
| Core capital (leverage) ratio | 8.5760% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2147% | 2,756 |
| Memoranda: | ||
| Average total assets | $1,068,359,667 | 952 |
| Average earning assets | $968,737,333 | 953 |
| Average equity | $72,248,333 | 1,284 |
| Average total loans | $828,151,667 | 871 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7351% | 1,425 |
| Cost of funding earning assets | 3.2364% | 277 |
| Net interest margin | 2.4987% | 3,866 |
| Noninterest income to average assets | 0.8400% | 755 |
| Noninterest expense to average assets | 2.6585% | 1,793 |
| Loan and lease loss provision to assets | 0.2400% | 402 |
| Net operating income to assets | 0.0942% | 4,122 |
| Return on assets (ROA) | 0.0872% | 4,169 |
| Pretax return on assets | 0.1810% | 4,065 |
| Return on Equity (ROE) | 1.2900% | 4,110 |
| Retained earnings to average equity (ytd only) | 1.2892% | 3,419 |
| Net charge-offs to loans | 1.3227% | 72 |
| Credit loss provision to net charge-offs | 23.3131% | 1,511 |
| Earnings coverage of net charge-offs (x) | 0.4184% | 2,112 |
| Efficiency ratio | 85.9993% | 783 |
| Assets per employee ($millions) | 8.7230% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 723 |
| Loan loss allowance to noncurrent loans | 70.4454% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.0878% | 149 |
| Noncurrent loans to loans | 2.3722% | 243 |
| Net loans and leases to total assets | 75.5600% | 1,127 |
| Net loans and leases to deposits | 93.9655% | 872 |
| Net loans and leases to core deposits | 112.4009% | 859 |
| Total domestic deposits to total assets | 80.4100% | 3,469 |
| Equity capital to assets | 6.8137% | 3,978 |
| Core capital (leverage) ratio | 8.5527% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2635% | 2,756 |
| Memoranda: | ||
| Average total assets | $1,083,157,500 | 947 |
| Average earning assets | $976,521,500 | 953 |
| Average equity | $73,223,000 | 1,270 |
| Average total loans | $847,030,500 | 865 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 838 |
| Cost of funding earning assets | 2.7351% | 235 |
| Net interest margin | 3.0618% | 3,165 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.9499% | 1,192 |
| Loan and lease loss provision to assets | 0.6700% | 119 |
| Net operating income to assets | -0.1965% | 4,463 |
| Return on assets (ROA) | -0.1965% | 4,449 |
| Pretax return on assets | -0.2614% | 4,441 |
| Return on Equity (ROE) | -2.8100% | 4,440 |
| Retained earnings to average equity (ytd only) | -2.8144% | 4,320 |
| Net charge-offs to loans | 1.9394% | 47 |
| Credit loss provision to net charge-offs | 57.2792% | 2,165 |
| Earnings coverage of net charge-offs (x) | 0.2626% | 2,815 |
| Efficiency ratio | 84.7974% | 622 |
| Assets per employee ($millions) | 9.3452% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 510 |
| Loan loss allowance to noncurrent loans | 86.2302% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 152 |
| Noncurrent loans to loans | 2.1237% | 257 |
| Net loans and leases to total assets | 78.0800% | 862 |
| Net loans and leases to deposits | 101.3133% | 466 |
| Net loans and leases to core deposits | 115.7776% | 752 |
| Total domestic deposits to total assets | 77.0700% | 3,844 |
| Equity capital to assets | 6.7076% | 4,047 |
| Core capital (leverage) ratio | 8.6984% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2205% | 2,779 |
| Memoranda: | ||
| Average total assets | $1,105,298,600 | 911 |
| Average earning assets | $1,017,046,600 | 895 |
| Average equity | $77,173,600 | 1,161 |
| Average total loans | $891,444,800 | 797 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 746 |
| Cost of funding earning assets | 2.5854% | 243 |
| Net interest margin | 3.1525% | 3,020 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.8488% | 1,319 |
| Loan and lease loss provision to assets | 0.9900% | 65 |
| Net operating income to assets | -0.4348% | 4,531 |
| Return on assets (ROA) | -0.4348% | 4,514 |
| Pretax return on assets | -0.5885% | 4,522 |
| Return on Equity (ROE) | -6.1700% | 4,510 |
| Retained earnings to average equity (ytd only) | -6.1672% | 4,445 |
| Net charge-offs to loans | 1.0760% | 88 |
| Credit loss provision to net charge-offs | 132.5642% | 1,404 |
| Earnings coverage of net charge-offs (x) | 0.4616% | 2,563 |
| Efficiency ratio | 87.6355% | 451 |
| Assets per employee ($millions) | 8.0602% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8150% | 146 |
| Loan loss allowance to noncurrent loans | 80.4488% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.8074% | 80 |
| Noncurrent loans to loans | 3.4991% | 106 |
| Net loans and leases to total assets | 77.9700% | 889 |
| Net loans and leases to deposits | 105.4772% | 306 |
| Net loans and leases to core deposits | 118.1700% | 601 |
| Total domestic deposits to total assets | 73.9200% | 4,165 |
| Equity capital to assets | 6.1306% | 3,944 |
| Core capital (leverage) ratio | 8.3413% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,108,275,750 | 910 |
| Average earning assets | $1,023,005,750 | 901 |
| Average equity | $78,132,000 | 1,147 |
| Average total loans | $896,899,500 | 798 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 656 |
| Cost of funding earning assets | 2.3527% | 247 |
| Net interest margin | 3.3289% | 2,687 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.8310% | 1,356 |
| Loan and lease loss provision to assets | 0.4700% | 161 |
| Net operating income to assets | 0.0608% | 4,385 |
| Return on assets (ROA) | 0.0608% | 4,420 |
| Pretax return on assets | 0.0837% | 4,405 |
| Return on Equity (ROE) | 0.7900% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.7887% | 3,945 |
| Net charge-offs to loans | 0.8987% | 97 |
| Credit loss provision to net charge-offs | 79.4411% | 1,554 |
| Earnings coverage of net charge-offs (x) | 0.7552% | 2,395 |
| Efficiency ratio | 83.7503% | 611 |
| Assets per employee ($millions) | 8.3632% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 612 |
| Loan loss allowance to noncurrent loans | 72.5887% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 140 |
| Noncurrent loans to loans | 2.4796% | 185 |
| Net loans and leases to total assets | 79.1200% | 725 |
| Net loans and leases to deposits | 106.0563% | 305 |
| Net loans and leases to core deposits | 127.0318% | 370 |
| Total domestic deposits to total assets | 74.6000% | 4,150 |
| Equity capital to assets | 7.0226% | 3,785 |
| Core capital (leverage) ratio | 8.6968% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,102,143,333 | 905 |
| Average earning assets | $1,019,266,000 | 894 |
| Average equity | $84,951,000 | 1,068 |
| Average total loans | $891,924,000 | 791 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 606 |
| Cost of funding earning assets | 2.0280% | 283 |
| Net interest margin | 3.4877% | 2,400 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.8213% | 1,389 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | 0.1545% | 4,396 |
| Return on assets (ROA) | 0.1545% | 4,371 |
| Pretax return on assets | 0.2112% | 4,329 |
| Return on Equity (ROE) | 1.9100% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.9121% | 3,716 |
| Net charge-offs to loans | 0.7443% | 102 |
| Credit loss provision to net charge-offs | 107.4166% | 1,075 |
| Earnings coverage of net charge-offs (x) | 1.1755% | 1,983 |
| Efficiency ratio | 79.9007% | 840 |
| Assets per employee ($millions) | 8.2072% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0099% | 428 |
| Loan loss allowance to noncurrent loans | 65.5388% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.4697% | 80 |
| Noncurrent loans to loans | 3.0668% | 144 |
| Net loans and leases to total assets | 78.9100% | 658 |
| Net loans and leases to deposits | 100.9679% | 399 |
| Net loans and leases to core deposits | 119.7758% | 443 |
| Total domestic deposits to total assets | 78.1600% | 3,990 |
| Equity capital to assets | 7.6477% | 3,477 |
| Core capital (leverage) ratio | 9.2542% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,071,973,500 | 937 |
| Average earning assets | $989,529,000 | 923 |
| Average equity | $86,608,000 | 1,066 |
| Average total loans | $869,589,000 | 816 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 506 |
| Cost of funding earning assets | 0.9436% | 212 |
| Net interest margin | 3.7643% | 1,234 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.6733% | 1,622 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.7488% | 3,483 |
| Return on assets (ROA) | 0.7488% | 3,424 |
| Pretax return on assets | 0.9630% | 3,183 |
| Return on Equity (ROE) | 8.3700% | 3,290 |
| Retained earnings to average equity (ytd only) | 8.3678% | 1,691 |
| Net charge-offs to loans | 0.1799% | 463 |
| Credit loss provision to net charge-offs | 127.3649% | 1,423 |
| Earnings coverage of net charge-offs (x) | 7.8784% | 2,287 |
| Efficiency ratio | 69.9454% | 1,690 |
| Assets per employee ($millions) | 8.0322% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,345 |
| Loan loss allowance to noncurrent loans | 52.2078% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8912% | 133 |
| Noncurrent loans to loans | 2.3137% | 215 |
| Net loans and leases to total assets | 80.7500% | 522 |
| Net loans and leases to deposits | 97.8789% | 531 |
| Net loans and leases to core deposits | 109.9097% | 613 |
| Total domestic deposits to total assets | 82.5000% | 3,532 |
| Equity capital to assets | 8.5338% | 2,687 |
| Core capital (leverage) ratio | 9.2661% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,015,071,800 | 968 |
| Average earning assets | $934,872,800 | 965 |
| Average equity | $90,836,400 | 1,026 |
| Average total loans | $822,716,400 | 805 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 711 |
| Cost of funding earning assets | 0.7122% | 250 |
| Net interest margin | 3.6031% | 1,383 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.6568% | 1,572 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7205% | 3,507 |
| Return on assets (ROA) | 0.7205% | 3,457 |
| Pretax return on assets | 0.8992% | 3,317 |
| Return on Equity (ROE) | 7.9600% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.9558% | 2,016 |
| Net charge-offs to loans | 0.0700% | 806 |
| Credit loss provision to net charge-offs | 110.9813% | 1,265 |
| Earnings coverage of net charge-offs (x) | 16.9907% | 1,807 |
| Efficiency ratio | 73.4152% | 1,339 |
| Assets per employee ($millions) | 8.0208% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,832 |
| Loan loss allowance to noncurrent loans | 51.2699% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.8334% | 153 |
| Noncurrent loans to loans | 2.2270% | 260 |
| Net loans and leases to total assets | 81.3900% | 417 |
| Net loans and leases to deposits | 102.9281% | 268 |
| Net loans and leases to core deposits | 115.1760% | 341 |
| Total domestic deposits to total assets | 79.0700% | 4,175 |
| Equity capital to assets | 8.2710% | 2,708 |
| Core capital (leverage) ratio | 9.2295% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,007,794,000 | 980 |
| Average earning assets | $928,329,000 | 977 |
| Average equity | $91,268,250 | 1,032 |
| Average total loans | $815,013,750 | 808 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 1,038 |
| Cost of funding earning assets | 0.5818% | 316 |
| Net interest margin | 3.3629% | 1,708 |
| Noninterest income to average assets | 0.3254% | 3,219 |
| Noninterest expense to average assets | 2.6019% | 1,633 |
| Loan and lease loss provision to assets | 0.0555% | 1,586 |
| Net operating income to assets | 0.5549% | 3,751 |
| Return on assets (ROA) | 0.5549% | 3,701 |
| Pretax return on assets | 0.7666% | 3,415 |
| Return on Equity (ROE) | 5.9437% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.9437% | 2,350 |
| Net charge-offs to loans | 0.0631% | 778 |
| Credit loss provision to net charge-offs | 109.5618% | 1,227 |
| Earnings coverage of net charge-offs (x) | 16.2271% | 1,629 |
| Efficiency ratio | 75.9889% | 1,284 |
| Assets per employee ($millions) | 8.0687% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,952 |
| Loan loss allowance to noncurrent loans | 42.5681% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 107 |
| Noncurrent loans to loans | 2.6914% | 205 |
| Net loans and leases to total assets | 81.6768% | 302 |
| Net loans and leases to deposits | 100.7663% | 247 |
| Net loans and leases to core deposits | 110.8950% | 336 |
| Total domestic deposits to total assets | 81.0557% | 4,125 |
| Equity capital to assets | 8.4865% | 2,777 |
| Core capital (leverage) ratio | 9.4423% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $990,811,000 | 985 |
| Average earning assets | $912,956,000 | 994 |
| Average equity | $92,501,333 | 1,024 |
| Average total loans | $796,145,667 | 810 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 1,151 |
| Cost of funding earning assets | 0.5204% | 450 |
| Net interest margin | 3.2449% | 1,740 |
| Noninterest income to average assets | 0.3385% | 3,065 |
| Noninterest expense to average assets | 2.6651% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4721% | 3,785 |
| Return on assets (ROA) | 0.4721% | 3,750 |
| Pretax return on assets | 0.6555% | 3,506 |
| Return on Equity (ROE) | 4.8173% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.8173% | 2,655 |
| Net charge-offs to loans | 0.0883% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.3810% | 1,489 |
| Efficiency ratio | 80.2605% | 1,133 |
| Assets per employee ($millions) | 7.6792% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,606 |
| Loan loss allowance to noncurrent loans | 41.4941% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.4061% | 107 |
| Noncurrent loans to loans | 3.0117% | 178 |
| Net loans and leases to total assets | 78.8943% | 305 |
| Net loans and leases to deposits | 98.2615% | 225 |
| Net loans and leases to core deposits | 109.5490% | 270 |
| Total domestic deposits to total assets | 80.2901% | 4,265 |
| Equity capital to assets | 9.4405% | 2,333 |
| Core capital (leverage) ratio | 9.9364% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,750,500 | 1,018 |
| Average earning assets | $883,852,000 | 1,033 |
| Average equity | $94,243,000 | 1,038 |
| Average total loans | $760,887,000 | 821 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 1,882 |
| Cost of funding earning assets | 0.6152% | 507 |
| Net interest margin | 3.1796% | 2,657 |
| Noninterest income to average assets | 0.4777% | 2,687 |
| Noninterest expense to average assets | 2.6998% | 1,636 |
| Loan and lease loss provision to assets | -0.0540% | 4,369 |
| Net operating income to assets | 0.6248% | 3,824 |
| Return on assets (ROA) | 0.6248% | 3,864 |
| Pretax return on assets | 0.7595% | 3,817 |
| Return on Equity (ROE) | 6.1506% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.1506% | 2,293 |
| Net charge-offs to loans | 0.0252% | 1,743 |
| Credit loss provision to net charge-offs | -279.3296% | 3,596 |
| Earnings coverage of net charge-offs (x) | 36.4916% | 1,486 |
| Efficiency ratio | 79.2832% | 853 |
| Assets per employee ($millions) | 7.4020% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,218 |
| Loan loss allowance to noncurrent loans | 42.8844% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.4378% | 108 |
| Noncurrent loans to loans | 3.1102% | 183 |
| Net loans and leases to total assets | 77.3346% | 421 |
| Net loans and leases to deposits | 97.6721% | 263 |
| Net loans and leases to core deposits | 107.8544% | 328 |
| Total domestic deposits to total assets | 79.1777% | 4,298 |
| Equity capital to assets | 10.0931% | 2,565 |
| Core capital (leverage) ratio | 9.7725% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $925,925,400 | 1,022 |
| Average earning assets | $852,540,000 | 1,033 |
| Average equity | $94,055,800 | 1,063 |
| Average total loans | $709,143,200 | 870 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 2,137 |
| Cost of funding earning assets | 0.6452% | 507 |
| Net interest margin | 3.1079% | 3,032 |
| Noninterest income to average assets | 0.3068% | 3,595 |
| Noninterest expense to average assets | 2.3584% | 2,569 |
| Loan and lease loss provision to assets | -0.0435% | 4,437 |
| Net operating income to assets | 0.6215% | 3,968 |
| Return on assets (ROA) | 0.6215% | 4,018 |
| Pretax return on assets | 0.8509% | 3,795 |
| Return on Equity (ROE) | 6.1083% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.1083% | 2,775 |
| Net charge-offs to loans | 0.0388% | 1,311 |
| Credit loss provision to net charge-offs | -147.0588% | 3,314 |
| Earnings coverage of net charge-offs (x) | 27.3284% | 1,580 |
| Efficiency ratio | 74.4945% | 1,175 |
| Assets per employee ($millions) | 7.2679% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 2,008 |
| Loan loss allowance to noncurrent loans | 36.0608% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.9356% | 86 |
| Noncurrent loans to loans | 3.8892% | 136 |
| Net loans and leases to total assets | 74.4237% | 659 |
| Net loans and leases to deposits | 96.0761% | 347 |
| Net loans and leases to core deposits | 108.2571% | 362 |
| Total domestic deposits to total assets | 77.4633% | 4,466 |
| Equity capital to assets | 10.0752% | 2,827 |
| Core capital (leverage) ratio | 9.8783% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $920,542,750 | 1,038 |
| Average earning assets | $846,854,250 | 1,048 |
| Average equity | $93,662,750 | 1,076 |
| Average total loans | $700,775,000 | 896 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 2,078 |
| Cost of funding earning assets | 0.6910% | 486 |
| Net interest margin | 3.1056% | 3,017 |
| Noninterest income to average assets | 0.2422% | 3,945 |
| Noninterest expense to average assets | 2.3300% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5566% | 4,087 |
| Return on assets (ROA) | 0.5727% | 4,096 |
| Pretax return on assets | 0.7870% | 3,894 |
| Return on Equity (ROE) | 5.6098% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,956 |
| Net charge-offs to loans | 0.0639% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.7117% | 1,627 |
| Efficiency ratio | 75.2449% | 1,147 |
| Assets per employee ($millions) | 7.3497% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,459 |
| Loan loss allowance to noncurrent loans | 41.2287% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.7367% | 112 |
| Noncurrent loans to loans | 3.7315% | 159 |
| Net loans and leases to total assets | 68.8788% | 1,343 |
| Net loans and leases to deposits | 86.6354% | 875 |
| Net loans and leases to core deposits | 95.9961% | 805 |
| Total domestic deposits to total assets | 79.5042% | 4,291 |
| Equity capital to assets | 9.8416% | 3,012 |
| Core capital (leverage) ratio | 10.0986% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2846% | 2,613 |
| Memoranda: | ||
| Average total assets | $910,024,000 | 1,041 |
| Average earning assets | $836,436,667 | 1,049 |
| Average equity | $92,908,333 | 1,082 |
| Average total loans | $694,811,333 | 901 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 1,597 |
| Cost of funding earning assets | 0.7524% | 444 |
| Net interest margin | 3.2548% | 2,533 |
| Noninterest income to average assets | 0.2001% | 4,187 |
| Noninterest expense to average assets | 2.4268% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5500% | 4,072 |
| Return on assets (ROA) | 0.5500% | 4,115 |
| Pretax return on assets | 0.7555% | 3,900 |
| Return on Equity (ROE) | 5.2835% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.2835% | 3,131 |
| Net charge-offs to loans | 0.0896% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.5633% | 1,493 |
| Efficiency ratio | 76.2589% | 1,111 |
| Assets per employee ($millions) | 7.4484% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,486 |
| Loan loss allowance to noncurrent loans | 42.4183% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.9102% | 107 |
| Noncurrent loans to loans | 3.6172% | 172 |
| Net loans and leases to total assets | 75.4860% | 678 |
| Net loans and leases to deposits | 96.1817% | 401 |
| Net loans and leases to core deposits | 109.2952% | 434 |
| Total domestic deposits to total assets | 78.4827% | 4,389 |
| Equity capital to assets | 10.4367% | 2,327 |
| Core capital (leverage) ratio | 10.1221% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3163% | 2,560 |
| Memoranda: | ||
| Average total assets | $883,632,500 | 1,057 |
| Average earning assets | $809,628,500 | 1,070 |
| Average equity | $91,984,500 | 1,082 |
| Average total loans | $705,451,000 | 894 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 1,816 |
| Cost of funding earning assets | 1.3494% | 150 |
| Net interest margin | 2.9688% | 3,966 |
| Noninterest income to average assets | 0.2089% | 4,229 |
| Noninterest expense to average assets | 2.9275% | 1,607 |
| Loan and lease loss provision to assets | 0.2277% | 1,713 |
| Net operating income to assets | -0.0272% | 4,747 |
| Return on assets (ROA) | -0.0272% | 4,781 |
| Pretax return on assets | -0.2123% | 4,825 |
| Return on Equity (ROE) | -0.2759% | 4,783 |
| Retained earnings to average equity (ytd only) | -0.2759% | 4,558 |
| Net charge-offs to loans | 0.2150% | 813 |
| Credit loss provision to net charge-offs | 127.5720% | 2,570 |
| Earnings coverage of net charge-offs (x) | 0.0858% | 3,336 |
| Efficiency ratio | 98.7451% | 192 |
| Assets per employee ($millions) | 7.2392% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,796 |
| Loan loss allowance to noncurrent loans | 51.0860% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 2.5616% | 172 |
| Noncurrent loans to loans | 2.8276% | 328 |
| Net loans and leases to total assets | 81.7649% | 314 |
| Net loans and leases to deposits | 104.6084% | 252 |
| Net loans and leases to core deposits | 118.8326% | 324 |
| Total domestic deposits to total assets | 78.1628% | 4,300 |
| Equity capital to assets | 10.5856% | 2,600 |
| Core capital (leverage) ratio | 9.8019% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3916% | 2,825 |
| Memoranda: | ||
| Average total assets | $953,153,400 | 920 |
| Average earning assets | $877,754,200 | 928 |
| Average equity | $93,883,000 | 1,019 |
| Average total loans | $791,040,600 | 793 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 1,924 |
| Cost of funding earning assets | 1.4885% | 127 |
| Net interest margin | 2.8821% | 4,205 |
| Noninterest income to average assets | 0.2080% | 4,230 |
| Noninterest expense to average assets | 2.8512% | 1,822 |
| Loan and lease loss provision to assets | 0.2472% | 1,640 |
| Net operating income to assets | -0.1735% | 4,833 |
| Return on assets (ROA) | -0.1735% | 4,843 |
| Pretax return on assets | -0.2312% | 4,848 |
| Return on Equity (ROE) | -1.7918% | 4,859 |
| Retained earnings to average equity (ytd only) | -1.7918% | 4,688 |
| Net charge-offs to loans | 0.1230% | 1,145 |
| Credit loss provision to net charge-offs | 242.1265% | 1,953 |
| Earnings coverage of net charge-offs (x) | 0.1561% | 3,141 |
| Efficiency ratio | 99.4443% | 179 |
| Assets per employee ($millions) | 7.5049% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,462 |
| Loan loss allowance to noncurrent loans | 52.8955% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.4995% | 220 |
| Noncurrent loans to loans | 2.7857% | 356 |
| Net loans and leases to total assets | 80.9174% | 531 |
| Net loans and leases to deposits | 102.2663% | 440 |
| Net loans and leases to core deposits | 125.6478% | 311 |
| Total domestic deposits to total assets | 79.1242% | 4,042 |
| Equity capital to assets | 10.1243% | 3,120 |
| Core capital (leverage) ratio | 9.3524% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3324% | 2,831 |
| Memoranda: | ||
| Average total assets | $970,645,500 | 887 |
| Average earning assets | $895,568,250 | 892 |
| Average equity | $93,981,250 | 1,006 |
| Average total loans | $805,621,000 | 772 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,052 |
| Cost of funding earning assets | 1.6086% | 108 |
| Net interest margin | 2.8476% | 4,389 |
| Noninterest income to average assets | 0.1642% | 4,471 |
| Noninterest expense to average assets | 2.8750% | 1,896 |
| Loan and lease loss provision to assets | 0.3475% | 1,217 |
| Net operating income to assets | -0.3167% | 4,881 |
| Return on assets (ROA) | -0.3167% | 4,881 |
| Pretax return on assets | -0.4251% | 4,887 |
| Return on Equity (ROE) | -3.3179% | 4,901 |
| Retained earnings to average equity (ytd only) | -3.3179% | 4,680 |
| Net charge-offs to loans | 0.1656% | 901 |
| Credit loss provision to net charge-offs | 252.0588% | 1,745 |
| Earnings coverage of net charge-offs (x) | -0.5632% | 2,949 |
| Efficiency ratio | 102.7758% | 150 |
| Assets per employee ($millions) | 7.7143% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,610 |
| Loan loss allowance to noncurrent loans | 49.6460% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.5370% | 220 |
| Noncurrent loans to loans | 2.8066% | 372 |
| Net loans and leases to total assets | 80.5263% | 534 |
| Net loans and leases to deposits | 100.1935% | 536 |
| Net loans and leases to core deposits | 139.2653% | 174 |
| Total domestic deposits to total assets | 80.3707% | 3,758 |
| Equity capital to assets | 9.4669% | 3,688 |
| Core capital (leverage) ratio | 9.0265% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7691% | 3,029 |
| Memoranda: | ||
| Average total assets | $986,493,000 | 865 |
| Average earning assets | $912,214,333 | 866 |
| Average equity | $94,155,667 | 994 |
| Average total loans | $821,454,000 | 757 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 1,769 |
| Cost of funding earning assets | 1.7036% | 128 |
| Net interest margin | 2.9776% | 4,322 |
| Noninterest income to average assets | 0.1701% | 4,513 |
| Noninterest expense to average assets | 2.9616% | 1,979 |
| Loan and lease loss provision to assets | 0.3249% | 954 |
| Net operating income to assets | -0.2699% | 4,877 |
| Return on assets (ROA) | -0.2699% | 4,850 |
| Pretax return on assets | -0.3604% | 4,854 |
| Return on Equity (ROE) | -2.8168% | 4,863 |
| Retained earnings to average equity (ytd only) | -2.8168% | 4,332 |
| Net charge-offs to loans | 0.0014% | 2,543 |
| Credit loss provision to net charge-offs | 26,800.0000% | 19 |
| Earnings coverage of net charge-offs (x) | -29.3333% | 2,549 |
| Efficiency ratio | 101.2153% | 217 |
| Assets per employee ($millions) | 7.5739% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 2,128 |
| Loan loss allowance to noncurrent loans | 66.3587% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8855% | 465 |
| Noncurrent loans to loans | 1.9657% | 739 |
| Net loans and leases to total assets | 82.6128% | 385 |
| Net loans and leases to deposits | 102.4422% | 434 |
| Net loans and leases to core deposits | 158.3146% | 85 |
| Total domestic deposits to total assets | 80.6433% | 3,734 |
| Equity capital to assets | 9.3877% | 4,324 |
| Core capital (leverage) ratio | 9.1584% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7580% | 3,167 |
| Memoranda: | ||
| Average total assets | $989,880,000 | 830 |
| Average earning assets | $916,179,500 | 825 |
| Average equity | $94,859,000 | 982 |
| Average total loans | $832,141,500 | 722 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 1,775 |
| Cost of funding earning assets | 1.8142% | 132 |
| Net interest margin | 3.0780% | 4,401 |
| Noninterest income to average assets | 0.2567% | 4,144 |
| Noninterest expense to average assets | 2.7336% | 2,790 |
| Loan and lease loss provision to assets | 0.3805% | 390 |
| Net operating income to assets | -0.0135% | 4,974 |
| Return on assets (ROA) | -0.0135% | 4,995 |
| Pretax return on assets | -0.0185% | 4,983 |
| Return on Equity (ROE) | -0.1354% | 4,994 |
| Retained earnings to average equity (ytd only) | -0.1354% | 4,721 |
| Net charge-offs to loans | 0.3070% | 677 |
| Credit loss provision to net charge-offs | 149.2295% | 1,721 |
| Earnings coverage of net charge-offs (x) | 1.4197% | 3,543 |
| Efficiency ratio | 88.3074% | 421 |
| Assets per employee ($millions) | 7.4890% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,129 |
| Loan loss allowance to noncurrent loans | 38.3502% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.5899% | 245 |
| Noncurrent loans to loans | 2.7808% | 365 |
| Net loans and leases to total assets | 83.4395% | 376 |
| Net loans and leases to deposits | 105.7657% | 307 |
| Net loans and leases to core deposits | 169.3611% | 66 |
| Total domestic deposits to total assets | 78.8909% | 4,206 |
| Equity capital to assets | 9.8684% | 4,042 |
| Core capital (leverage) ratio | 9.3823% | 4,186 |
| Tier 1 risk-based capital ratio | 10.7604% | 4,943 |
| Total risk-based capital ratio | 11.7953% | 4,927 |
| Memoranda: | ||
| Average total assets | $967,251,800 | 806 |
| Average earning assets | $892,108,200 | 807 |
| Average equity | $96,724,200 | 923 |
| Average total loans | $803,361,800 | 713 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,796 |
| Cost of funding earning assets | 1.7924% | 145 |
| Net interest margin | 3.1156% | 4,452 |
| Noninterest income to average assets | 0.2869% | 4,014 |
| Noninterest expense to average assets | 2.7244% | 2,795 |
| Loan and lease loss provision to assets | 0.4430% | 288 |
| Net operating income to assets | -0.0071% | 5,064 |
| Return on assets (ROA) | -0.0071% | 5,076 |
| Pretax return on assets | -0.0095% | 5,071 |
| Return on Equity (ROE) | -0.0703% | 5,076 |
| Retained earnings to average equity (ytd only) | -0.0703% | 4,766 |
| Net charge-offs to loans | 0.4023% | 418 |
| Credit loss provision to net charge-offs | 133.0840% | 1,792 |
| Earnings coverage of net charge-offs (x) | 1.3022% | 3,309 |
| Efficiency ratio | 86.2750% | 486 |
| Assets per employee ($millions) | 7.4781% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,323 |
| Loan loss allowance to noncurrent loans | 43.7989% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.2208% | 356 |
| Noncurrent loans to loans | 2.3856% | 509 |
| Net loans and leases to total assets | 81.8808% | 582 |
| Net loans and leases to deposits | 103.9741% | 417 |
| Net loans and leases to core deposits | 157.2354% | 98 |
| Total domestic deposits to total assets | 78.7512% | 4,224 |
| Equity capital to assets | 9.9347% | 4,085 |
| Core capital (leverage) ratio | 9.4691% | 4,199 |
| Tier 1 risk-based capital ratio | 10.8189% | 4,982 |
| Total risk-based capital ratio | 11.8118% | 4,989 |
| Memoranda: | ||
| Average total assets | $963,798,750 | 809 |
| Average earning assets | $888,117,000 | 811 |
| Average equity | $96,701,500 | 926 |
| Average total loans | $797,347,500 | 720 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 1,810 |
| Cost of funding earning assets | 1.7351% | 163 |
| Net interest margin | 3.1461% | 4,460 |
| Noninterest income to average assets | 0.3436% | 3,641 |
| Noninterest expense to average assets | 2.7336% | 2,809 |
| Loan and lease loss provision to assets | 0.6456% | 166 |
| Net operating income to assets | -0.1030% | 5,132 |
| Return on assets (ROA) | -0.1030% | 5,136 |
| Pretax return on assets | -0.1390% | 5,135 |
| Return on Equity (ROE) | -1.0233% | 5,141 |
| Retained earnings to average equity (ytd only) | -1.0233% | 4,827 |
| Net charge-offs to loans | 0.5668% | 270 |
| Credit loss provision to net charge-offs | 137.6831% | 1,590 |
| Earnings coverage of net charge-offs (x) | 1.0803% | 3,054 |
| Efficiency ratio | 84.3664% | 631 |
| Assets per employee ($millions) | 7.6400% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,410 |
| Loan loss allowance to noncurrent loans | 42.9864% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.2118% | 381 |
| Noncurrent loans to loans | 2.4111% | 505 |
| Net loans and leases to total assets | 82.5835% | 529 |
| Net loans and leases to deposits | 104.5731% | 398 |
| Net loans and leases to core deposits | 161.9606% | 89 |
| Total domestic deposits to total assets | 78.9720% | 4,231 |
| Equity capital to assets | 9.8469% | 4,099 |
| Core capital (leverage) ratio | 9.6110% | 4,023 |
| Tier 1 risk-based capital ratio | 10.6635% | 5,046 |
| Total risk-based capital ratio | 11.6494% | 5,060 |
| Memoranda: | ||
| Average total assets | $961,012,000 | 809 |
| Average earning assets | $884,780,330 | 812 |
| Average equity | $96,741,670 | 920 |
| Average total loans | $794,991,000 | 723 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,828 |
| Cost of funding earning assets | 1.6939% | 161 |
| Net interest margin | 3.1326% | 4,526 |
| Noninterest income to average assets | 0.3456% | 3,546 |
| Noninterest expense to average assets | 2.7148% | 2,863 |
| Loan and lease loss provision to assets | 0.0693% | 2,271 |
| Net operating income to assets | 0.3721% | 4,786 |
| Return on assets (ROA) | 0.3721% | 4,791 |
| Pretax return on assets | 0.4426% | 4,786 |
| Return on Equity (ROE) | 3.6549% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.6549% | 3,458 |
| Net charge-offs to loans | -0.0250% | 4,577 |
| Credit loss provision to net charge-offs | -336.7347% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1359% | 701 |
| Assets per employee ($millions) | 7.5656% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,760 |
| Loan loss allowance to noncurrent loans | 27.2294% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 3.3228% | 165 |
| Noncurrent loans to loans | 3.6435% | 238 |
| Net loans and leases to total assets | 81.8990% | 599 |
| Net loans and leases to deposits | 103.1175% | 439 |
| Net loans and leases to core deposits | 157.6602% | 100 |
| Total domestic deposits to total assets | 79.4230% | 4,265 |
| Equity capital to assets | 10.2172% | 3,605 |
| Core capital (leverage) ratio | 9.7893% | 3,824 |
| Tier 1 risk-based capital ratio | 10.9866% | 4,981 |
| Total risk-based capital ratio | 11.9082% | 5,025 |
| Memoranda: | ||
| Average total assets | $952,557,000 | 823 |
| Average earning assets | $876,083,500 | 824 |
| Average equity | $96,965,000 | 913 |
| Average total loans | $784,456,500 | 730 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,458 |
| Cost of funding earning assets | 1.2809% | 240 |
| Net interest margin | 3.5541% | 3,533 |
| Noninterest income to average assets | 0.1801% | 4,825 |
| Noninterest expense to average assets | 2.6462% | 3,191 |
| Loan and lease loss provision to assets | 0.1441% | 1,490 |
| Net operating income to assets | 0.5588% | 4,526 |
| Return on assets (ROA) | 0.5588% | 4,526 |
| Pretax return on assets | 0.6728% | 4,482 |
| Return on Equity (ROE) | 5.5393% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.5393% | 2,461 |
| Net charge-offs to loans | -0.0013% | 4,200 |
| Credit loss provision to net charge-offs | -13,030.0000% | 4,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4110% | 1,302 |
| Assets per employee ($millions) | 8.0655% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,839 |
| Loan loss allowance to noncurrent loans | 38.4810% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.3873% | 334 |
| Noncurrent loans to loans | 2.5341% | 476 |
| Net loans and leases to total assets | 81.1968% | 780 |
| Net loans and leases to deposits | 103.2106% | 527 |
| Net loans and leases to core deposits | 156.0800% | 106 |
| Total domestic deposits to total assets | 78.6710% | 4,377 |
| Equity capital to assets | 10.1281% | 3,546 |
| Core capital (leverage) ratio | 9.8229% | 3,772 |
| Tier 1 risk-based capital ratio | 10.6079% | 5,141 |
| Total risk-based capital ratio | 11.4907% | 5,179 |
| Memoranda: | ||
| Average total assets | $904,017,400 | 842 |
| Average earning assets | $835,056,400 | 843 |
| Average equity | $91,203,000 | 923 |
| Average total loans | $749,033,200 | 737 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 1,520 |
| Cost of funding earning assets | 1.1931% | 270 |
| Net interest margin | 3.5674% | 3,468 |
| Noninterest income to average assets | 0.1587% | 4,987 |
| Noninterest expense to average assets | 2.6257% | 3,216 |
| Loan and lease loss provision to assets | 0.0426% | 3,136 |
| Net operating income to assets | 0.6391% | 4,401 |
| Return on assets (ROA) | 0.6391% | 4,407 |
| Pretax return on assets | 0.7885% | 4,326 |
| Return on Equity (ROE) | 6.3413% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.3413% | 2,462 |
| Net charge-offs to loans | -0.0041% | 4,193 |
| Credit loss provision to net charge-offs | -1,239.1304% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9566% | 1,355 |
| Assets per employee ($millions) | 8.1010% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,387 |
| Loan loss allowance to noncurrent loans | 26.5731% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.8235% | 276 |
| Noncurrent loans to loans | 3.2566% | 316 |
| Net loans and leases to total assets | 82.6566% | 612 |
| Net loans and leases to deposits | 104.4226% | 525 |
| Net loans and leases to core deposits | 156.0861% | 101 |
| Total domestic deposits to total assets | 79.1559% | 4,289 |
| Equity capital to assets | 10.4371% | 3,200 |
| Core capital (leverage) ratio | 9.9168% | 3,725 |
| Tier 1 risk-based capital ratio | 10.6116% | 5,205 |
| Total risk-based capital ratio | 11.3849% | 5,285 |
| Memoranda: | ||
| Average total assets | $892,090,250 | 856 |
| Average earning assets | $824,753,500 | 852 |
| Average equity | $89,905,750 | 928 |
| Average total loans | $741,196,250 | 744 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 1,520 |
| Cost of funding earning assets | 1.0831% | 314 |
| Net interest margin | 3.6117% | 3,269 |
| Noninterest income to average assets | 0.1601% | 5,025 |
| Noninterest expense to average assets | 2.6217% | 3,256 |
| Loan and lease loss provision to assets | 0.0531% | 2,851 |
| Net operating income to assets | 0.6613% | 4,318 |
| Return on assets (ROA) | 0.6613% | 4,319 |
| Pretax return on assets | 0.8250% | 4,176 |
| Return on Equity (ROE) | 6.6457% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.6457% | 2,232 |
| Net charge-offs to loans | 0.0019% | 3,142 |
| Credit loss provision to net charge-offs | 3,357.1429% | 122 |
| Earnings coverage of net charge-offs (x) | 554.8571% | 163 |
| Efficiency ratio | 74.9096% | 1,581 |
| Assets per employee ($millions) | 8.0272% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,505 |
| Loan loss allowance to noncurrent loans | 35.0599% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.1051% | 491 |
| Noncurrent loans to loans | 2.4575% | 534 |
| Net loans and leases to total assets | 80.6314% | 925 |
| Net loans and leases to deposits | 104.3488% | 511 |
| Net loans and leases to core deposits | 157.5446% | 89 |
| Total domestic deposits to total assets | 77.2710% | 4,696 |
| Equity capital to assets | 10.1399% | 3,496 |
| Core capital (leverage) ratio | 9.9397% | 3,648 |
| Tier 1 risk-based capital ratio | 10.9244% | 5,097 |
| Total risk-based capital ratio | 11.7306% | 5,177 |
| Memoranda: | ||
| Average total assets | $884,609,670 | 863 |
| Average earning assets | $818,011,330 | 860 |
| Average equity | $88,026,670 | 948 |
| Average total loans | $733,843,670 | 751 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,371 |
| Cost of funding earning assets | 0.9639% | 443 |
| Net interest margin | 3.7084% | 2,763 |
| Noninterest income to average assets | 0.1500% | 5,116 |
| Noninterest expense to average assets | 2.6582% | 3,166 |
| Loan and lease loss provision to assets | 0.0859% | 2,079 |
| Net operating income to assets | 0.6785% | 4,179 |
| Return on assets (ROA) | 0.6785% | 4,182 |
| Pretax return on assets | 0.8382% | 4,059 |
| Return on Equity (ROE) | 6.8890% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.8890% | 2,330 |
| Net charge-offs to loans | -0.0017% | 3,795 |
| Credit loss provision to net charge-offs | -6,166.6667% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2027% | 1,872 |
| Assets per employee ($millions) | 7.8424% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,468 |
| Loan loss allowance to noncurrent loans | 39.9815% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 642 |
| Noncurrent loans to loans | 2.2386% | 664 |
| Net loans and leases to total assets | 82.4889% | 600 |
| Net loans and leases to deposits | 108.8859% | 292 |
| Net loans and leases to core deposits | 170.2940% | 64 |
| Total domestic deposits to total assets | 75.7572% | 4,984 |
| Equity capital to assets | 9.8160% | 3,775 |
| Core capital (leverage) ratio | 9.7153% | 3,828 |
| Tier 1 risk-based capital ratio | 10.8969% | 5,189 |
| Total risk-based capital ratio | 11.7513% | 5,261 |
| Memoranda: | ||
| Average total assets | $861,336,500 | 889 |
| Average earning assets | $797,218,500 | 885 |
| Average equity | $84,831,000 | 985 |
| Average total loans | $722,101,000 | 762 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 1,770 |
| Cost of funding earning assets | 0.7755% | 713 |
| Net interest margin | 3.7078% | 2,769 |
| Noninterest income to average assets | 0.1812% | 5,050 |
| Noninterest expense to average assets | 2.6312% | 3,349 |
| Loan and lease loss provision to assets | -0.1076% | 5,486 |
| Net operating income to assets | 0.7065% | 3,575 |
| Return on assets (ROA) | 0.7065% | 3,628 |
| Pretax return on assets | 1.0673% | 3,311 |
| Return on Equity (ROE) | 6.8805% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.8805% | 1,124 |
| Net charge-offs to loans | -0.3731% | 5,587 |
| Credit loss provision to net charge-offs | 34.5843% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2735% | 2,019 |
| Assets per employee ($millions) | 8.3546% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 4,579 |
| Loan loss allowance to noncurrent loans | 122.3907% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,535 |
| Noncurrent loans to loans | 0.7149% | 2,416 |
| Net loans and leases to total assets | 83.7100% | 477 |
| Net loans and leases to deposits | 110.9975% | 244 |
| Net loans and leases to core deposits | 162.9855% | 79 |
| Total domestic deposits to total assets | 75.4161% | 5,041 |
| Equity capital to assets | 9.8822% | 3,840 |
| Core capital (leverage) ratio | 9.3597% | 4,215 |
| Tier 1 risk-based capital ratio | 10.5469% | 5,352 |
| Total risk-based capital ratio | 11.4058% | 5,423 |
| Memoranda: | ||
| Average total assets | $796,785,600 | 935 |
| Average earning assets | $732,732,400 | 937 |
| Average equity | $81,810,600 | 992 |
| Average total loans | $664,247,600 | 788 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 1,888 |
| Cost of funding earning assets | 0.7402% | 799 |
| Net interest margin | 3.6819% | 2,817 |
| Noninterest income to average assets | 0.1723% | 5,154 |
| Noninterest expense to average assets | 2.5166% | 3,676 |
| Loan and lease loss provision to assets | -0.1608% | 5,636 |
| Net operating income to assets | 0.7920% | 3,551 |
| Return on assets (ROA) | 0.7920% | 3,603 |
| Pretax return on assets | 1.1961% | 2,924 |
| Return on Equity (ROE) | 7.6360% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.6360% | 1,379 |
| Net charge-offs to loans | -0.5106% | 5,658 |
| Credit loss provision to net charge-offs | 37.8964% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8505% | 2,388 |
| Assets per employee ($millions) | 7.5854% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,666 |
| Loan loss allowance to noncurrent loans | 95.4441% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 1,924 |
| Noncurrent loans to loans | 0.9180% | 2,091 |
| Net loans and leases to total assets | 85.1347% | 325 |
| Net loans and leases to deposits | 115.3617% | 163 |
| Net loans and leases to core deposits | 160.5952% | 84 |
| Total domestic deposits to total assets | 73.7980% | 5,253 |
| Equity capital to assets | 10.0868% | 3,819 |
| Core capital (leverage) ratio | 9.5740% | 4,062 |
| Tier 1 risk-based capital ratio | 10.6924% | 5,375 |
| Total risk-based capital ratio | 11.5539% | 5,454 |
| Memoranda: | ||
| Average total assets | $782,940,000 | 957 |
| Average earning assets | $718,661,500 | 960 |
| Average equity | $81,210,000 | 1,003 |
| Average total loans | $650,397,750 | 808 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,380 |
| Cost of funding earning assets | 0.6811% | 988 |
| Net interest margin | 3.5438% | 3,243 |
| Noninterest income to average assets | 0.1632% | 5,240 |
| Noninterest expense to average assets | 2.5010% | 3,747 |
| Loan and lease loss provision to assets | -0.3876% | 5,752 |
| Net operating income to assets | 0.8499% | 3,154 |
| Return on assets (ROA) | 0.8499% | 3,202 |
| Pretax return on assets | 1.2963% | 2,401 |
| Return on Equity (ROE) | 8.1137% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.1137% | 1,117 |
| Net charge-offs to loans | -0.8749% | 5,726 |
| Credit loss provision to net charge-offs | 53.9884% | 2,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3491% | 2,120 |
| Assets per employee ($millions) | 6.7259% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 4,735 |
| Loan loss allowance to noncurrent loans | 146.5483% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 2,656 |
| Noncurrent loans to loans | 0.5973% | 2,943 |
| Net loans and leases to total assets | 87.0284% | 201 |
| Net loans and leases to deposits | 118.4602% | 112 |
| Net loans and leases to core deposits | 151.4208% | 115 |
| Total domestic deposits to total assets | 73.4664% | 5,335 |
| Equity capital to assets | 10.6029% | 3,222 |
| Core capital (leverage) ratio | 9.9741% | 3,569 |
| Tier 1 risk-based capital ratio | 10.7338% | 5,367 |
| Total risk-based capital ratio | 11.5936% | 5,451 |
| Memoranda: | ||
| Average total assets | $768,318,670 | 976 |
| Average earning assets | $703,877,330 | 981 |
| Average equity | $80,480,670 | 1,012 |
| Average total loans | $630,490,670 | 835 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,199 |
| Cost of funding earning assets | 0.6142% | 1,277 |
| Net interest margin | 3.3378% | 3,893 |
| Noninterest income to average assets | 0.1447% | 5,391 |
| Noninterest expense to average assets | 2.4243% | 4,046 |
| Loan and lease loss provision to assets | -0.9136% | 5,846 |
| Net operating income to assets | 1.0949% | 1,896 |
| Return on assets (ROA) | 1.0949% | 1,935 |
| Pretax return on assets | 1.6883% | 1,033 |
| Return on Equity (ROE) | 10.5174% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.5174% | 700 |
| Net charge-offs to loans | -1.8285% | 5,806 |
| Credit loss provision to net charge-offs | 63.1180% | 1,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7838% | 1,942 |
| Assets per employee ($millions) | 7.0438% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,746 |
| Loan loss allowance to noncurrent loans | 173.5832% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 3,100 |
| Noncurrent loans to loans | 0.5204% | 3,258 |
| Net loans and leases to total assets | 80.6680% | 739 |
| Net loans and leases to deposits | 110.3613% | 209 |
| Net loans and leases to core deposits | 139.4926% | 175 |
| Total domestic deposits to total assets | 73.0945% | 5,484 |
| Equity capital to assets | 10.4299% | 3,260 |
| Core capital (leverage) ratio | 10.6445% | 2,748 |
| Tier 1 risk-based capital ratio | 11.0932% | 5,260 |
| Total risk-based capital ratio | 11.9642% | 5,371 |
| Memoranda: | ||
| Average total assets | $765,740,000 | 977 |
| Average earning assets | $700,710,000 | 985 |
| Average equity | $79,715,500 | 1,017 |
| Average total loans | $606,192,000 | 869 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 2,773 |
| Cost of funding earning assets | 0.4294% | 2,709 |
| Net interest margin | 3.6894% | 2,743 |
| Noninterest income to average assets | 0.2302% | 5,034 |
| Noninterest expense to average assets | 2.6907% | 3,370 |
| Loan and lease loss provision to assets | 0.3645% | 456 |
| Net operating income to assets | 0.3596% | 5,058 |
| Return on assets (ROA) | 0.3596% | 5,143 |
| Pretax return on assets | 0.5415% | 4,943 |
| Return on Equity (ROE) | 3.3758% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.1413% | 4,313 |
| Net charge-offs to loans | 0.5739% | 400 |
| Credit loss provision to net charge-offs | 81.3201% | 2,956 |
| Earnings coverage of net charge-offs (x) | 2.0215% | 3,898 |
| Efficiency ratio | 74.8098% | 2,163 |
| Assets per employee ($millions) | 7.6446% | 694 |
| Cash dividends to net income (ytd only)* | 36.5693% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 5,096 |
| Loan loss allowance to noncurrent loans | 142.8353% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 3,102 |
| Noncurrent loans to loans | 0.5627% | 3,153 |
| Net loans and leases to total assets | 76.2407% | 1,473 |
| Net loans and leases to deposits | 107.7065% | 282 |
| Net loans and leases to core deposits | 137.1502% | 204 |
| Total domestic deposits to total assets | 70.7856% | 5,623 |
| Equity capital to assets | 10.3855% | 3,291 |
| Core capital (leverage) ratio | 10.4595% | 2,923 |
| Tier 1 risk-based capital ratio | 11.1122% | 5,281 |
| Total risk-based capital ratio | 11.8643% | 5,440 |
| Memoranda: | ||
| Average total assets | $676,036,600 | 1,047 |
| Average earning assets | $616,872,400 | 1,058 |
| Average equity | $72,013,600 | 1,096 |
| Average total loans | $528,006,600 | 931 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,693 |
| Cost of funding earning assets | 0.4021% | 3,001 |
| Net interest margin | 3.7448% | 2,537 |
| Noninterest income to average assets | 0.2413% | 5,031 |
| Noninterest expense to average assets | 2.8085% | 2,969 |
| Loan and lease loss provision to assets | 0.4704% | 275 |
| Net operating income to assets | 0.2564% | 5,376 |
| Return on assets (ROA) | 0.2564% | 5,448 |
| Pretax return on assets | 0.3722% | 5,351 |
| Return on Equity (ROE) | 2.3893% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.7049% | 5,176 |
| Net charge-offs to loans | 0.0588% | 2,509 |
| Credit loss provision to net charge-offs | 1,019.3833% | 392 |
| Earnings coverage of net charge-offs (x) | 18.2599% | 2,006 |
| Efficiency ratio | 76.9209% | 1,846 |
| Assets per employee ($millions) | 7.2624% | 798 |
| Cash dividends to net income (ytd only)* | 70.4994% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,641 |
| Loan loss allowance to noncurrent loans | 117.8135% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 1,990 |
| Noncurrent loans to loans | 1.1104% | 2,031 |
| Net loans and leases to total assets | 80.9802% | 763 |
| Net loans and leases to deposits | 116.9454% | 145 |
| Net loans and leases to core deposits | 141.1456% | 182 |
| Total domestic deposits to total assets | 69.2462% | 5,731 |
| Equity capital to assets | 10.2995% | 3,809 |
| Core capital (leverage) ratio | 9.6845% | 3,960 |
| Tier 1 risk-based capital ratio | 10.3412% | 5,682 |
| Total risk-based capital ratio | 11.5946% | 5,605 |
| Memoranda: | ||
| Average total assets | $655,841,750 | 1,085 |
| Average earning assets | $597,192,000 | 1,093 |
| Average equity | $70,367,250 | 1,121 |
| Average total loans | $514,589,000 | 952 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 2,775 |
| Cost of funding earning assets | 0.3972% | 3,070 |
| Net interest margin | 3.7246% | 2,595 |
| Noninterest income to average assets | 0.2395% | 5,050 |
| Noninterest expense to average assets | 2.8398% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5379% | 4,532 |
| Return on assets (ROA) | 0.5379% | 4,640 |
| Pretax return on assets | 0.7897% | 4,323 |
| Return on Equity (ROE) | 4.9191% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.9191% | 2,783 |
| Net charge-offs to loans | -0.0036% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2413% | 1,750 |
| Assets per employee ($millions) | 6.7305% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,573 |
| Loan loss allowance to noncurrent loans | 83.5322% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 1,937 |
| Noncurrent loans to loans | 1.1889% | 1,932 |
| Net loans and leases to total assets | 80.1708% | 874 |
| Net loans and leases to deposits | 116.6071% | 140 |
| Net loans and leases to core deposits | 139.6247% | 189 |
| Total domestic deposits to total assets | 68.7529% | 5,820 |
| Equity capital to assets | 10.9729% | 3,091 |
| Core capital (leverage) ratio | 10.1343% | 3,408 |
| Tier 1 risk-based capital ratio | 11.2131% | 5,308 |
| Total risk-based capital ratio | 12.1616% | 5,392 |
| Memoranda: | ||
| Average total assets | $647,300,000 | 1,100 |
| Average earning assets | $589,167,330 | 1,111 |
| Average equity | $70,784,670 | 1,116 |
| Average total loans | $499,402,000 | 980 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 2,601 |
| Cost of funding earning assets | 0.4106% | 2,954 |
| Net interest margin | 3.7558% | 2,452 |
| Noninterest income to average assets | 0.2538% | 4,925 |
| Noninterest expense to average assets | 2.8604% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5523% | 4,410 |
| Return on assets (ROA) | 0.5523% | 4,510 |
| Pretax return on assets | 0.8111% | 4,159 |
| Return on Equity (ROE) | 5.0598% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.0598% | 2,900 |
| Net charge-offs to loans | -0.0050% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9074% | 1,909 |
| Assets per employee ($millions) | 6.7613% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 4,156 |
| Loan loss allowance to noncurrent loans | 96.8975% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 2,558 |
| Noncurrent loans to loans | 1.1161% | 2,168 |
| Net loans and leases to total assets | 75.5139% | 1,467 |
| Net loans and leases to deposits | 112.7378% | 170 |
| Net loans and leases to core deposits | 127.6364% | 309 |
| Total domestic deposits to total assets | 66.9819% | 5,951 |
| Equity capital to assets | 11.1319% | 2,793 |
| Core capital (leverage) ratio | 9.9459% | 3,600 |
| Tier 1 risk-based capital ratio | 11.7886% | 5,055 |
| Total risk-based capital ratio | 12.8037% | 5,105 |
| Memoranda: | ||
| Average total assets | $644,519,500 | 1,098 |
| Average earning assets | $586,508,500 | 1,113 |
| Average equity | $70,358,000 | 1,118 |
| Average total loans | $484,776,000 | 1,003 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,110 |
| Cost of funding earning assets | 0.4088% | 3,060 |
| Net interest margin | 3.6418% | 2,972 |
| Noninterest income to average assets | 0.2779% | 4,898 |
| Noninterest expense to average assets | 2.8620% | 2,986 |
| Loan and lease loss provision to assets | 0.0390% | 3,555 |
| Net operating income to assets | 0.4834% | 4,754 |
| Return on assets (ROA) | 0.4834% | 4,843 |
| Pretax return on assets | 0.7093% | 4,510 |
| Return on Equity (ROE) | 4.5247% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.5247% | 2,766 |
| Net charge-offs to loans | -0.0139% | 5,185 |
| Credit loss provision to net charge-offs | -367.6471% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2735% | 1,783 |
| Assets per employee ($millions) | 8.1685% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 4,136 |
| Loan loss allowance to noncurrent loans | 144.0506% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 3,428 |
| Noncurrent loans to loans | 0.7513% | 2,928 |
| Net loans and leases to total assets | 73.3194% | 1,839 |
| Net loans and leases to deposits | 107.1582% | 322 |
| Net loans and leases to core deposits | 125.6041% | 345 |
| Total domestic deposits to total assets | 68.4216% | 5,960 |
| Equity capital to assets | 10.7067% | 3,127 |
| Core capital (leverage) ratio | 9.8319% | 3,734 |
| Tier 1 risk-based capital ratio | 11.7157% | 5,122 |
| Total risk-based capital ratio | 12.7416% | 5,166 |
| Memoranda: | ||
| Average total assets | $640,522,000 | 1,069 |
| Average earning assets | $586,111,000 | 1,068 |
| Average equity | $68,423,800 | 1,112 |
| Average total loans | $490,172,400 | 955 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,911 |
| Cost of funding earning assets | 0.4087% | 3,135 |
| Net interest margin | 3.6978% | 2,782 |
| Noninterest income to average assets | 0.2525% | 5,133 |
| Noninterest expense to average assets | 2.8993% | 2,853 |
| Loan and lease loss provision to assets | 0.0523% | 3,149 |
| Net operating income to assets | 0.4632% | 4,923 |
| Return on assets (ROA) | 0.4632% | 5,017 |
| Pretax return on assets | 0.6877% | 4,721 |
| Return on Equity (ROE) | 4.3386% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.3386% | 3,385 |
| Net charge-offs to loans | -0.0179% | 5,167 |
| Credit loss provision to net charge-offs | -378.7879% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6666% | 1,711 |
| Assets per employee ($millions) | 7.5354% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 4,438 |
| Loan loss allowance to noncurrent loans | 142.2753% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 3,561 |
| Noncurrent loans to loans | 0.7421% | 3,107 |
| Net loans and leases to total assets | 76.6689% | 1,294 |
| Net loans and leases to deposits | 109.9795% | 256 |
| Net loans and leases to core deposits | 129.0792% | 291 |
| Total domestic deposits to total assets | 69.7119% | 5,985 |
| Equity capital to assets | 10.7988% | 3,240 |
| Core capital (leverage) ratio | 9.5157% | 4,282 |
| Tier 1 risk-based capital ratio | 11.4844% | 5,385 |
| Total risk-based capital ratio | 12.5086% | 5,415 |
| Memoranda: | ||
| Average total assets | $637,282,750 | 1,084 |
| Average earning assets | $583,689,750 | 1,076 |
| Average equity | $68,038,250 | 1,126 |
| Average total loans | $491,623,250 | 959 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 3,027 |
| Cost of funding earning assets | 0.4104% | 3,155 |
| Net interest margin | 3.6550% | 2,893 |
| Noninterest income to average assets | 0.2656% | 5,053 |
| Noninterest expense to average assets | 2.9035% | 2,881 |
| Loan and lease loss provision to assets | 0.0786% | 2,545 |
| Net operating income to assets | 0.4326% | 5,030 |
| Return on assets (ROA) | 0.4326% | 5,130 |
| Pretax return on assets | 0.6378% | 4,868 |
| Return on Equity (ROE) | 4.0673% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.0673% | 3,435 |
| Net charge-offs to loans | -0.0139% | 5,029 |
| Credit loss provision to net charge-offs | -735.2941% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2084% | 1,729 |
| Assets per employee ($millions) | 7.0637% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 4,582 |
| Loan loss allowance to noncurrent loans | 234.2780% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,474 |
| Noncurrent loans to loans | 0.4501% | 4,120 |
| Net loans and leases to total assets | 77.7367% | 1,107 |
| Net loans and leases to deposits | 106.8140% | 345 |
| Net loans and leases to core deposits | 124.5864% | 362 |
| Total domestic deposits to total assets | 72.7776% | 5,892 |
| Equity capital to assets | 10.8573% | 3,043 |
| Core capital (leverage) ratio | 9.4761% | 4,312 |
| Tier 1 risk-based capital ratio | 11.8427% | 5,249 |
| Total risk-based capital ratio | 12.9039% | 5,284 |
| Memoranda: | ||
| Average total assets | $636,206,000 | 1,086 |
| Average earning assets | $583,860,670 | 1,081 |
| Average equity | $67,661,670 | 1,136 |
| Average total loans | $490,059,670 | 957 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,567 |
| Cost of funding earning assets | 0.4080% | 3,220 |
| Net interest margin | 3.5004% | 3,435 |
| Noninterest income to average assets | 0.2463% | 5,198 |
| Noninterest expense to average assets | 2.8789% | 2,975 |
| Loan and lease loss provision to assets | 0.1563% | 1,300 |
| Net operating income to assets | 0.3031% | 5,402 |
| Return on assets (ROA) | 0.3031% | 5,503 |
| Pretax return on assets | 0.4288% | 5,368 |
| Return on Equity (ROE) | 2.8799% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,238 |
| Net charge-offs to loans | -0.0156% | 4,931 |
| Credit loss provision to net charge-offs | -1,315.7895% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1108% | 1,475 |
| Assets per employee ($millions) | 7.7007% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 4,823 |
| Loan loss allowance to noncurrent loans | 253.0702% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,718 |
| Noncurrent loans to loans | 0.4109% | 4,356 |
| Net loans and leases to total assets | 76.3951% | 1,161 |
| Net loans and leases to deposits | 108.0898% | 255 |
| Net loans and leases to core deposits | 125.9217% | 297 |
| Total domestic deposits to total assets | 70.6774% | 6,097 |
| Equity capital to assets | 10.4184% | 3,625 |
| Core capital (leverage) ratio | 9.2494% | 4,652 |
| Tier 1 risk-based capital ratio | 11.6867% | 5,445 |
| Total risk-based capital ratio | 12.7473% | 5,476 |
| Memoranda: | ||
| Average total assets | $639,975,500 | 1,087 |
| Average earning assets | $588,280,500 | 1,080 |
| Average equity | $67,364,500 | 1,140 |
| Average total loans | $488,133,000 | 961 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 4,315 |
| Cost of funding earning assets | 0.4811% | 2,870 |
| Net interest margin | 3.3691% | 4,333 |
| Noninterest income to average assets | 0.3146% | 4,870 |
| Noninterest expense to average assets | 3.0747% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.8995% | 103 |
| Return on assets (ROA) | 2.8995% | 102 |
| Pretax return on assets | 0.3007% | 5,701 |
| Return on Equity (ROE) | 29.4023% | 63 |
| Retained earnings to average equity (ytd only) | 29.4023% | 27 |
| Net charge-offs to loans | 0.1726% | 2,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.3131% | 4,192 |
| Efficiency ratio | 91.0909% | 775 |
| Assets per employee ($millions) | 7.5368% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,891 |
| Loan loss allowance to noncurrent loans | 136.7778% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 3,900 |
| Noncurrent loans to loans | 0.7549% | 3,435 |
| Net loans and leases to total assets | 74.5517% | 1,489 |
| Net loans and leases to deposits | 106.5170% | 340 |
| Net loans and leases to core deposits | 119.2825% | 428 |
| Total domestic deposits to total assets | 69.9904% | 6,194 |
| Equity capital to assets | 10.6362% | 3,316 |
| Core capital (leverage) ratio | 9.7613% | 3,883 |
| Tier 1 risk-based capital ratio | 13.1469% | 4,625 |
| Total risk-based capital ratio | 14.2429% | 4,645 |
| Memoranda: | ||
| Average total assets | $582,269,200 | 1,135 |
| Average earning assets | $528,976,800 | 1,147 |
| Average equity | $57,420,600 | 1,274 |
| Average total loans | $438,629,000 | 1,003 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 4,537 |
| Cost of funding earning assets | 0.4988% | 2,782 |
| Net interest margin | 3.3037% | 4,591 |
| Noninterest income to average assets | 0.4221% | 4,082 |
| Noninterest expense to average assets | 3.0172% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 4.3328% | 56 |
| Return on assets (ROA) | 4.3328% | 56 |
| Pretax return on assets | 0.3973% | 5,581 |
| Return on Equity (ROE) | 44.9170% | 19 |
| Retained earnings to average equity (ytd only) | 44.9170% | 10 |
| Net charge-offs to loans | 0.2387% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.2096% | 3,962 |
| Efficiency ratio | 88.3656% | 968 |
| Assets per employee ($millions) | 7.9992% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 4,947 |
| Loan loss allowance to noncurrent loans | 55.4953% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 2,177 |
| Noncurrent loans to loans | 1.9088% | 1,679 |
| Net loans and leases to total assets | 73.5475% | 1,593 |
| Net loans and leases to deposits | 108.9521% | 244 |
| Net loans and leases to core deposits | 113.7298% | 591 |
| Total domestic deposits to total assets | 67.5045% | 6,365 |
| Equity capital to assets | 10.9953% | 2,961 |
| Core capital (leverage) ratio | 10.5843% | 2,944 |
| Tier 1 risk-based capital ratio | 12.7406% | 5,018 |
| Total risk-based capital ratio | 13.8260% | 5,060 |
| Memoranda: | ||
| Average total assets | $569,562,750 | 1,168 |
| Average earning assets | $515,895,000 | 1,195 |
| Average equity | $54,941,500 | 1,332 |
| Average total loans | $429,059,500 | 1,028 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 4,263 |
| Cost of funding earning assets | 0.5203% | 2,637 |
| Net interest margin | 3.3490% | 4,410 |
| Noninterest income to average assets | 0.4410% | 3,933 |
| Noninterest expense to average assets | 3.0118% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4853% | 4,865 |
| Return on assets (ROA) | 0.4853% | 4,938 |
| Pretax return on assets | 0.4853% | 5,315 |
| Return on Equity (ROE) | 5.3109% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.3109% | 2,753 |
| Net charge-offs to loans | 0.2237% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.8651% | 3,443 |
| Efficiency ratio | 86.1232% | 1,261 |
| Assets per employee ($millions) | 6.4150% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,980 |
| Loan loss allowance to noncurrent loans | 37.4336% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.5243% | 1,115 |
| Noncurrent loans to loans | 3.4132% | 793 |
| Net loans and leases to total assets | 73.0101% | 1,571 |
| Net loans and leases to deposits | 94.4388% | 928 |
| Net loans and leases to core deposits | 98.4612% | 1,409 |
| Total domestic deposits to total assets | 77.3094% | 5,757 |
| Equity capital to assets | 9.3136% | 4,970 |
| Core capital (leverage) ratio | 9.6331% | 4,135 |
| Tier 1 risk-based capital ratio | 12.9891% | 4,918 |
| Total risk-based capital ratio | 14.2396% | 4,857 |
| Memoranda: | ||
| Average total assets | $551,436,670 | 1,209 |
| Average earning assets | $503,193,670 | 1,224 |
| Average equity | $50,387,330 | 1,439 |
| Average total loans | $417,477,330 | 1,045 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 4,207 |
| Cost of funding earning assets | 0.5316% | 2,585 |
| Net interest margin | 3.3395% | 4,374 |
| Noninterest income to average assets | 0.4302% | 3,947 |
| Noninterest expense to average assets | 3.0349% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4491% | 4,936 |
| Return on assets (ROA) | 0.4491% | 5,008 |
| Pretax return on assets | 0.4491% | 5,312 |
| Return on Equity (ROE) | 4.9629% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.9629% | 3,130 |
| Net charge-offs to loans | 0.1895% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0950% | 2,733 |
| Efficiency ratio | 87.1095% | 1,331 |
| Assets per employee ($millions) | 6.1095% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,107 |
| Loan loss allowance to noncurrent loans | 49.7503% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 2.0067% | 1,702 |
| Noncurrent loans to loans | 2.6189% | 1,310 |
| Net loans and leases to total assets | 73.8561% | 1,294 |
| Net loans and leases to deposits | 96.6063% | 612 |
| Net loans and leases to core deposits | 100.7771% | 1,048 |
| Total domestic deposits to total assets | 76.4506% | 6,031 |
| Equity capital to assets | 8.9944% | 5,122 |
| Core capital (leverage) ratio | 9.5573% | 4,196 |
| Tier 1 risk-based capital ratio | 12.8700% | 5,082 |
| Total risk-based capital ratio | 14.1217% | 5,021 |
| Memoranda: | ||
| Average total assets | $551,311,500 | 1,224 |
| Average earning assets | $504,144,000 | 1,229 |
| Average equity | $49,890,000 | 1,446 |
| Average total loans | $422,216,000 | 1,043 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 3,797 |
| Cost of funding earning assets | 0.8621% | 900 |
| Net interest margin | 3.2229% | 4,920 |
| Noninterest income to average assets | 0.4225% | 4,283 |
| Noninterest expense to average assets | 4.4393% | 552 |
| Loan and lease loss provision to assets | 0.1689% | 2,168 |
| Net operating income to assets | -1.2066% | 6,637 |
| Return on assets (ROA) | -1.2066% | 6,638 |
| Pretax return on assets | -1.2103% | 6,632 |
| Return on Equity (ROE) | -13.3800% | 6,622 |
| Retained earnings to average equity (ytd only) | -13.3800% | 6,591 |
| Net charge-offs to loans | 0.2890% | 2,242 |
| Credit loss provision to net charge-offs | 74.2726% | 3,188 |
| Earnings coverage of net charge-offs (x) | -4.5781% | 5,383 |
| Efficiency ratio | 130.6458% | 120 |
| Assets per employee ($millions) | 5.5727% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 3,934 |
| Loan loss allowance to noncurrent loans | 40.4947% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.5953% | 1,311 |
| Noncurrent loans to loans | 3.3101% | 984 |
| Net loans and leases to total assets | 77.3556% | 908 |
| Net loans and leases to deposits | 96.7855% | 683 |
| Net loans and leases to core deposits | 101.1419% | 1,080 |
| Total domestic deposits to total assets | 79.9248% | 5,458 |
| Equity capital to assets | 9.1064% | 4,916 |
| Core capital (leverage) ratio | 9.2194% | 4,694 |
| Tier 1 risk-based capital ratio | 12.5396% | 5,266 |
| Total risk-based capital ratio | 13.7894% | 5,222 |
| Memoranda: | ||
| Average total assets | $574,160,800 | 1,157 |
| Average earning assets | $530,089,800 | 1,143 |
| Average equity | $51,778,800 | 1,371 |
| Average total loans | $451,901,600 | 944 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,889 |
| Cost of funding earning assets | 0.9327% | 694 |
| Net interest margin | 3.1287% | 5,238 |
| Noninterest income to average assets | 0.4497% | 4,158 |
| Noninterest expense to average assets | 4.9003% | 364 |
| Loan and lease loss provision to assets | 0.2220% | 1,639 |
| Net operating income to assets | -1.7719% | 6,784 |
| Return on assets (ROA) | -1.7719% | 6,787 |
| Pretax return on assets | -1.7767% | 6,784 |
| Return on Equity (ROE) | -19.6928% | 6,769 |
| Retained earnings to average equity (ytd only) | -19.6928% | 6,754 |
| Net charge-offs to loans | 0.2237% | 2,472 |
| Credit loss provision to net charge-offs | 125.9740% | 1,868 |
| Earnings coverage of net charge-offs (x) | -8.8221% | 5,161 |
| Efficiency ratio | 146.4701% | 83 |
| Assets per employee ($millions) | 4.8238% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 3,791 |
| Loan loss allowance to noncurrent loans | 27.5985% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 4.9245% | 571 |
| Noncurrent loans to loans | 5.1605% | 563 |
| Net loans and leases to total assets | 80.3498% | 510 |
| Net loans and leases to deposits | 97.1215% | 616 |
| Net loans and leases to core deposits | 101.8168% | 1,002 |
| Total domestic deposits to total assets | 82.7312% | 4,671 |
| Equity capital to assets | 8.9910% | 5,203 |
| Core capital (leverage) ratio | 9.0207% | 5,098 |
| Tier 1 risk-based capital ratio | 12.3034% | 5,570 |
| Total risk-based capital ratio | 13.5568% | 5,511 |
| Memoranda: | ||
| Average total assets | $582,562,750 | 1,154 |
| Average earning assets | $539,207,250 | 1,137 |
| Average equity | $52,417,250 | 1,367 |
| Average total loans | $458,919,750 | 929 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 4,471 |
| Cost of funding earning assets | 0.9965% | 553 |
| Net interest margin | 2.9040% | 5,795 |
| Noninterest income to average assets | 0.4857% | 3,928 |
| Noninterest expense to average assets | 5.0379% | 343 |
| Loan and lease loss provision to assets | -0.0100% | 6,578 |
| Net operating income to assets | -1.8443% | 6,838 |
| Return on assets (ROA) | -1.8443% | 6,842 |
| Pretax return on assets | -1.8513% | 6,832 |
| Return on Equity (ROE) | -20.4932% | 6,830 |
| Retained earnings to average equity (ytd only) | -20.4932% | 6,806 |
| Net charge-offs to loans | 0.2843% | 2,061 |
| Credit loss provision to net charge-offs | -4.5249% | 5,435 |
| Earnings coverage of net charge-offs (x) | -8.3982% | 4,855 |
| Efficiency ratio | 158.5982% | 60 |
| Assets per employee ($millions) | 5.0297% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,260 |
| Loan loss allowance to noncurrent loans | 18.5954% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 5.7121% | 500 |
| Noncurrent loans to loans | 6.1590% | 442 |
| Net loans and leases to total assets | 80.8230% | 457 |
| Net loans and leases to deposits | 95.7996% | 691 |
| Net loans and leases to core deposits | 99.6609% | 1,107 |
| Total domestic deposits to total assets | 84.3667% | 4,175 |
| Equity capital to assets | 8.9028% | 5,323 |
| Core capital (leverage) ratio | 9.0481% | 4,912 |
| Tier 1 risk-based capital ratio | 12.2201% | 5,667 |
| Total risk-based capital ratio | 13.4702% | 5,613 |
| Memoranda: | ||
| Average total assets | $598,268,330 | 1,120 |
| Average earning assets | $554,331,000 | 1,106 |
| Average equity | $53,842,330 | 1,338 |
| Average total loans | $466,411,000 | 909 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,609 |
| Cost of funding earning assets | 1.0926% | 389 |
| Net interest margin | 2.7700% | 6,090 |
| Noninterest income to average assets | 0.4488% | 4,123 |
| Noninterest expense to average assets | 4.2340% | 681 |
| Loan and lease loss provision to assets | -0.0196% | 6,751 |
| Net operating income to assets | -1.1787% | 6,845 |
| Return on assets (ROA) | -1.1787% | 6,851 |
| Pretax return on assets | -1.1924% | 6,841 |
| Return on Equity (ROE) | -13.0320% | 6,844 |
| Retained earnings to average equity (ytd only) | -13.0320% | 6,700 |
| Net charge-offs to loans | 0.2303% | 2,062 |
| Credit loss provision to net charge-offs | -11.1524% | 4,967 |
| Earnings coverage of net charge-offs (x) | -6.9071% | 4,089 |
| Efficiency ratio | 140.1036% | 109 |
| Assets per employee ($millions) | 5.1123% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 5,087 |
| Loan loss allowance to noncurrent loans | 22.8369% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 4.7339% | 787 |
| Noncurrent loans to loans | 5.3467% | 694 |
| Net loans and leases to total assets | 76.0225% | 836 |
| Net loans and leases to deposits | 93.6014% | 694 |
| Net loans and leases to core deposits | 96.9689% | 1,146 |
| Total domestic deposits to total assets | 81.2194% | 5,440 |
| Equity capital to assets | 8.9535% | 5,554 |
| Core capital (leverage) ratio | 9.0275% | 4,842 |
| Tier 1 risk-based capital ratio | 12.8818% | 5,312 |
| Total risk-based capital ratio | 14.1329% | 5,255 |
| Memoranda: | ||
| Average total assets | $613,223,000 | 1,107 |
| Average earning assets | $569,670,000 | 1,086 |
| Average equity | $55,463,500 | 1,315 |
| Average total loans | $467,273,000 | 907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 4,497 |
| Cost of funding earning assets | 1.1923% | 604 |
| Net interest margin | 3.0306% | 5,976 |
| Noninterest income to average assets | 0.3945% | 4,652 |
| Noninterest expense to average assets | 3.6495% | 1,506 |
| Loan and lease loss provision to assets | -0.3701% | 7,025 |
| Net operating income to assets | -0.0695% | 6,255 |
| Return on assets (ROA) | 0.0720% | 6,200 |
| Pretax return on assets | 0.0720% | 6,191 |
| Return on Equity (ROE) | 0.8092% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.8092% | 5,461 |
| Net charge-offs to loans | 0.2025% | 3,761 |
| Credit loss provision to net charge-offs | -240.3030% | 6,419 |
| Earnings coverage of net charge-offs (x) | -2.8545% | 5,867 |
| Efficiency ratio | 113.6626% | 282 |
| Assets per employee ($millions) | 5.5186% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,686 |
| Loan loss allowance to noncurrent loans | 23.0569% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 5.0100% | 774 |
| Noncurrent loans to loans | 5.5951% | 656 |
| Net loans and leases to total assets | 74.4754% | 1,128 |
| Net loans and leases to deposits | 92.1077% | 903 |
| Net loans and leases to core deposits | 95.2736% | 1,363 |
| Total domestic deposits to total assets | 80.8569% | 5,441 |
| Equity capital to assets | 9.1342% | 5,355 |
| Core capital (leverage) ratio | 9.1118% | 4,724 |
| Tier 1 risk-based capital ratio | 14.0449% | 4,354 |
| Total risk-based capital ratio | 15.2979% | 4,311 |
| Memoranda: | ||
| Average total assets | $642,801,600 | 1,026 |
| Average earning assets | $597,142,600 | 1,007 |
| Average equity | $57,219,200 | 1,243 |
| Average total loans | $488,841,400 | 844 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 4,428 |
| Cost of funding earning assets | 1.2115% | 658 |
| Net interest margin | 3.0959% | 5,949 |
| Noninterest income to average assets | 0.3986% | 4,645 |
| Noninterest expense to average assets | 3.6349% | 1,488 |
| Loan and lease loss provision to assets | -0.5257% | 7,144 |
| Net operating income to assets | 0.1658% | 5,998 |
| Return on assets (ROA) | 0.3540% | 5,626 |
| Pretax return on assets | 0.3540% | 5,827 |
| Return on Equity (ROE) | 4.0016% | 5,293 |
| Retained earnings to average equity (ytd only) | 4.0016% | 4,071 |
| Net charge-offs to loans | 0.0361% | 5,142 |
| Credit loss provision to net charge-offs | -1,909.7015% | 6,601 |
| Earnings coverage of net charge-offs (x) | -13.0748% | 5,744 |
| Efficiency ratio | 110.9466% | 288 |
| Assets per employee ($millions) | 4.9233% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,657 |
| Loan loss allowance to noncurrent loans | 18.1557% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 6.1928% | 633 |
| Noncurrent loans to loans | 7.3461% | 476 |
| Net loans and leases to total assets | 80.4438% | 473 |
| Net loans and leases to deposits | 101.7144% | 367 |
| Net loans and leases to core deposits | 105.6437% | 760 |
| Total domestic deposits to total assets | 79.0879% | 5,849 |
| Equity capital to assets | 9.3713% | 5,378 |
| Core capital (leverage) ratio | 9.3680% | 4,476 |
| Tier 1 risk-based capital ratio | 13.1943% | 5,099 |
| Total risk-based capital ratio | 14.4472% | 5,063 |
| Memoranda: | ||
| Average total assets | $648,981,250 | 1,022 |
| Average earning assets | $602,974,000 | 1,000 |
| Average equity | $57,409,750 | 1,248 |
| Average total loans | $494,467,750 | 836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 4,314 |
| Cost of funding earning assets | 1.2309% | 712 |
| Net interest margin | 3.1376% | 5,896 |
| Noninterest income to average assets | 0.4244% | 4,468 |
| Noninterest expense to average assets | 3.6972% | 1,377 |
| Loan and lease loss provision to assets | -0.7753% | 7,220 |
| Net operating income to assets | 0.4393% | 5,080 |
| Return on assets (ROA) | 0.4369% | 5,313 |
| Pretax return on assets | 0.4369% | 5,612 |
| Return on Equity (ROE) | 5.0312% | 4,797 |
| Retained earnings to average equity (ytd only) | 5.0312% | 3,267 |
| Net charge-offs to loans | 0.0618% | 4,555 |
| Credit loss provision to net charge-offs | -1,683.5526% | 6,474 |
| Earnings coverage of net charge-offs (x) | -7.2961% | 5,456 |
| Efficiency ratio | 109.9324% | 332 |
| Assets per employee ($millions) | 5.2809% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 4,612 |
| Loan loss allowance to noncurrent loans | 25.9901% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 4.2214% | 1,186 |
| Noncurrent loans to loans | 5.2349% | 917 |
| Net loans and leases to total assets | 75.1024% | 1,090 |
| Net loans and leases to deposits | 92.1666% | 933 |
| Net loans and leases to core deposits | 95.4884% | 1,473 |
| Total domestic deposits to total assets | 81.4855% | 5,305 |
| Equity capital to assets | 9.0241% | 5,673 |
| Core capital (leverage) ratio | 8.8791% | 5,079 |
| Tier 1 risk-based capital ratio | 14.1785% | 4,322 |
| Total risk-based capital ratio | 15.4350% | 4,280 |
| Memoranda: | ||
| Average total assets | $660,171,670 | 996 |
| Average earning assets | $617,934,000 | 977 |
| Average equity | $57,322,330 | 1,239 |
| Average total loans | $492,040,000 | 838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 3,525 |
| Cost of funding earning assets | 1.2477% | 783 |
| Net interest margin | 3.3480% | 5,311 |
| Noninterest income to average assets | 0.5670% | 3,452 |
| Noninterest expense to average assets | 3.7574% | 1,284 |
| Loan and lease loss provision to assets | -0.5059% | 7,262 |
| Net operating income to assets | 0.4496% | 5,035 |
| Return on assets (ROA) | 0.4448% | 5,250 |
| Pretax return on assets | 0.4448% | 5,602 |
| Return on Equity (ROE) | 5.2219% | 4,682 |
| Retained earnings to average equity (ytd only) | 5.2219% | 3,421 |
| Net charge-offs to loans | 0.0641% | 3,852 |
| Credit loss provision to net charge-offs | -1,069.6203% | 5,932 |
| Earnings coverage of net charge-offs (x) | -1.1899% | 4,569 |
| Efficiency ratio | 101.4558% | 505 |
| Assets per employee ($millions) | 5.2400% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 3,054 |
| Loan loss allowance to noncurrent loans | 38.1986% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 3.5204% | 1,627 |
| Noncurrent loans to loans | 4.6658% | 1,225 |
| Net loans and leases to total assets | 69.5171% | 1,834 |
| Net loans and leases to deposits | 85.9511% | 1,426 |
| Net loans and leases to core deposits | 89.0854% | 1,941 |
| Total domestic deposits to total assets | 80.8798% | 5,639 |
| Equity capital to assets | 8.5456% | 6,047 |
| Core capital (leverage) ratio | 8.5991% | 5,444 |
| Tier 1 risk-based capital ratio | 14.2642% | 4,268 |
| Total risk-based capital ratio | 15.5248% | 4,232 |
| Memoranda: | ||
| Average total assets | $668,125,500 | 986 |
| Average earning assets | $625,455,000 | 964 |
| Average equity | $56,914,000 | 1,247 |
| Average total loans | $492,794,000 | 839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 5,257 |
| Cost of funding earning assets | 1.2911% | 1,524 |
| Net interest margin | 3.1563% | 6,201 |
| Noninterest income to average assets | 0.2706% | 5,592 |
| Noninterest expense to average assets | 4.4351% | 624 |
| Loan and lease loss provision to assets | 1.0866% | 834 |
| Net operating income to assets | -2.3239% | 7,083 |
| Return on assets (ROA) | -2.1624% | 7,067 |
| Pretax return on assets | -2.1624% | 7,058 |
| Return on Equity (ROE) | -24.2689% | 7,042 |
| Retained earnings to average equity (ytd only) | -24.2689% | 7,032 |
| Net charge-offs to loans | 2.7257% | 395 |
| Credit loss provision to net charge-offs | 55.4820% | 5,289 |
| Earnings coverage of net charge-offs (x) | -0.6318% | 6,128 |
| Efficiency ratio | 138.6233% | 187 |
| Assets per employee ($millions) | 5.1592% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,753 |
| Loan loss allowance to noncurrent loans | 32.4045% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 4.7669% | 1,141 |
| Noncurrent loans to loans | 5.6692% | 919 |
| Net loans and leases to total assets | 75.3499% | 1,046 |
| Net loans and leases to deposits | 91.5151% | 1,009 |
| Net loans and leases to core deposits | 95.0795% | 1,579 |
| Total domestic deposits to total assets | 82.3361% | 5,014 |
| Equity capital to assets | 8.4911% | 6,155 |
| Core capital (leverage) ratio | 8.6913% | 5,268 |
| Tier 1 risk-based capital ratio | 13.4845% | 4,704 |
| Total risk-based capital ratio | 14.7475% | 4,660 |
| Memoranda: | ||
| Average total assets | $686,911,400 | 949 |
| Average earning assets | $637,052,400 | 932 |
| Average equity | $61,206,000 | 1,103 |
| Average total loans | $493,553,200 | 846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 5,377 |
| Cost of funding earning assets | 1.3122% | 1,637 |
| Net interest margin | 3.1504% | 6,288 |
| Noninterest income to average assets | 0.2121% | 6,098 |
| Noninterest expense to average assets | 4.6377% | 507 |
| Loan and lease loss provision to assets | 1.6302% | 396 |
| Net operating income to assets | -3.1402% | 7,282 |
| Return on assets (ROA) | -2.9900% | 7,275 |
| Pretax return on assets | -2.9900% | 7,270 |
| Return on Equity (ROE) | -33.1809% | 7,219 |
| Retained earnings to average equity (ytd only) | -33.1809% | 7,212 |
| Net charge-offs to loans | 3.4560% | 231 |
| Credit loss provision to net charge-offs | 66.7455% | 4,578 |
| Earnings coverage of net charge-offs (x) | -0.6182% | 5,866 |
| Efficiency ratio | 148.2111% | 147 |
| Assets per employee ($millions) | 4.6528% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4019% | 1,537 |
| Loan loss allowance to noncurrent loans | 41.4811% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 5.0358% | 1,141 |
| Noncurrent loans to loans | 5.7904% | 988 |
| Net loans and leases to total assets | 72.1801% | 1,672 |
| Net loans and leases to deposits | 88.7304% | 1,351 |
| Net loans and leases to core deposits | 92.3295% | 1,963 |
| Total domestic deposits to total assets | 81.3477% | 5,313 |
| Equity capital to assets | 8.9799% | 5,775 |
| Core capital (leverage) ratio | 8.8975% | 5,109 |
| Tier 1 risk-based capital ratio | 13.9986% | 4,353 |
| Total risk-based capital ratio | 15.2683% | 4,316 |
| Memoranda: | ||
| Average total assets | $692,256,500 | 948 |
| Average earning assets | $640,657,750 | 934 |
| Average equity | $62,379,750 | 1,087 |
| Average total loans | $489,226,000 | 868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 5,710 |
| Cost of funding earning assets | 1.3352% | 1,726 |
| Net interest margin | 3.0609% | 6,489 |
| Noninterest income to average assets | 0.1679% | 6,459 |
| Noninterest expense to average assets | 5.0824% | 348 |
| Loan and lease loss provision to assets | 2.3721% | 225 |
| Net operating income to assets | -4.4507% | 7,418 |
| Return on assets (ROA) | -4.4507% | 7,421 |
| Pretax return on assets | -4.4507% | 7,416 |
| Return on Equity (ROE) | -49.3418% | 7,345 |
| Retained earnings to average equity (ytd only) | -49.3418% | 7,342 |
| Net charge-offs to loans | 5.0007% | 124 |
| Credit loss provision to net charge-offs | 68.0495% | 4,111 |
| Earnings coverage of net charge-offs (x) | -0.5963% | 5,554 |
| Efficiency ratio | 169.1267% | 98 |
| Assets per employee ($millions) | 4.8712% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4602% | 1,509 |
| Loan loss allowance to noncurrent loans | 39.9663% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.9601% | 1,235 |
| Noncurrent loans to loans | 6.1556% | 949 |
| Net loans and leases to total assets | 69.7637% | 2,270 |
| Net loans and leases to deposits | 85.6424% | 1,834 |
| Net loans and leases to core deposits | 89.0468% | 2,487 |
| Total domestic deposits to total assets | 81.4594% | 5,366 |
| Equity capital to assets | 8.7824% | 5,840 |
| Core capital (leverage) ratio | 8.1803% | 6,065 |
| Tier 1 risk-based capital ratio | 14.2501% | 3,978 |
| Total risk-based capital ratio | 15.6781% | 3,816 |
| Memoranda: | ||
| Average total assets | $713,633,000 | 925 |
| Average earning assets | $661,176,000 | 915 |
| Average equity | $64,371,330 | 1,050 |
| Average total loans | $497,454,330 | 868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 6,101 |
| Cost of funding earning assets | 1.3679% | 1,782 |
| Net interest margin | 2.9003% | 6,762 |
| Noninterest income to average assets | 0.1924% | 6,348 |
| Noninterest expense to average assets | 3.8740% | 1,213 |
| Loan and lease loss provision to assets | 3.7406% | 116 |
| Net operating income to assets | -4.7399% | 7,481 |
| Return on assets (ROA) | -4.7399% | 7,481 |
| Pretax return on assets | -4.7399% | 7,472 |
| Return on Equity (ROE) | -51.9532% | 7,422 |
| Retained earnings to average equity (ytd only) | -51.9532% | 7,410 |
| Net charge-offs to loans | 7.8890% | 55 |
| Credit loss provision to net charge-offs | 68.7987% | 3,373 |
| Earnings coverage of net charge-offs (x) | -0.1838% | 4,688 |
| Efficiency ratio | 134.6878% | 232 |
| Assets per employee ($millions) | 4.5478% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5482% | 1,391 |
| Loan loss allowance to noncurrent loans | 37.3665% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 4.7390% | 1,341 |
| Noncurrent loans to loans | 6.8196% | 833 |
| Net loans and leases to total assets | 65.8069% | 3,064 |
| Net loans and leases to deposits | 79.8673% | 2,743 |
| Net loans and leases to core deposits | 82.8427% | 3,331 |
| Total domestic deposits to total assets | 82.3953% | 5,149 |
| Equity capital to assets | 8.9768% | 5,234 |
| Core capital (leverage) ratio | 8.3778% | 5,670 |
| Tier 1 risk-based capital ratio | 16.0726% | 2,873 |
| Total risk-based capital ratio | 17.5041% | 2,745 |
| Memoranda: | ||
| Average total assets | $746,512,500 | 898 |
| Average earning assets | $690,407,000 | 887 |
| Average equity | $68,107,500 | 987 |
| Average total loans | $514,491,000 | 848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 5,559 |
| Cost of funding earning assets | 1.7645% | 1,322 |
| Net interest margin | 3.0006% | 6,735 |
| Noninterest income to average assets | 0.1358% | 6,713 |
| Noninterest expense to average assets | 3.7355% | 1,617 |
| Loan and lease loss provision to assets | 0.9483% | 1,719 |
| Net operating income to assets | -1.8191% | 7,005 |
| Return on assets (ROA) | -1.8191% | 7,023 |
| Pretax return on assets | -1.7915% | 6,956 |
| Return on Equity (ROE) | -32.0796% | 7,259 |
| Retained earnings to average equity (ytd only) | -32.0796% | 7,249 |
| Net charge-offs to loans | 1.3279% | 1,680 |
| Credit loss provision to net charge-offs | 94.8365% | 4,900 |
| Earnings coverage of net charge-offs (x) | -0.8433% | 6,566 |
| Efficiency ratio | 129.0845% | 326 |
| Assets per employee ($millions) | 4.9593% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7958% | 1,063 |
| Loan loss allowance to noncurrent loans | 16.6121% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 13.9050% | 198 |
| Noncurrent loans to loans | 16.8296% | 112 |
| Net loans and leases to total assets | 68.2172% | 2,927 |
| Net loans and leases to deposits | 82.2646% | 2,753 |
| Net loans and leases to core deposits | 85.5799% | 3,385 |
| Total domestic deposits to total assets | 82.9241% | 4,823 |
| Equity capital to assets | 9.2562% | 4,744 |
| Core capital (leverage) ratio | 8.8413% | 4,787 |
| Tier 1 risk-based capital ratio | 15.1513% | 3,170 |
| Total risk-based capital ratio | 16.5407% | 3,063 |
| Memoranda: | ||
| Average total assets | $813,464,200 | 832 |
| Average earning assets | $747,290,000 | 820 |
| Average equity | $46,129,000 | 1,453 |
| Average total loans | $612,526,800 | 726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 5,381 |
| Cost of funding earning assets | 1.8272% | 1,316 |
| Net interest margin | 3.0480% | 6,736 |
| Noninterest income to average assets | 0.0976% | 7,058 |
| Noninterest expense to average assets | 3.6429% | 1,688 |
| Loan and lease loss provision to assets | 1.0173% | 1,449 |
| Net operating income to assets | -1.8000% | 7,183 |
| Return on assets (ROA) | -1.8000% | 7,197 |
| Pretax return on assets | -1.7635% | 7,122 |
| Return on Equity (ROE) | -37.3826% | 7,470 |
| Retained earnings to average equity (ytd only) | -37.3826% | 7,467 |
| Net charge-offs to loans | 1.0417% | 1,942 |
| Credit loss provision to net charge-offs | 127.6284% | 3,192 |
| Earnings coverage of net charge-offs (x) | -0.9360% | 6,439 |
| Efficiency ratio | 125.6896% | 335 |
| Assets per employee ($millions) | 4.9211% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8883% | 920 |
| Loan loss allowance to noncurrent loans | 15.3723% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 15.1019% | 155 |
| Noncurrent loans to loans | 18.7891% | 94 |
| Net loans and leases to total assets | 73.2336% | 1,971 |
| Net loans and leases to deposits | 83.4369% | 2,799 |
| Net loans and leases to core deposits | 86.6906% | 3,559 |
| Total domestic deposits to total assets | 87.7712% | 2,114 |
| Equity capital to assets | 4.2411% | 7,625 |
| Core capital (leverage) ratio | 3.9613% | 7,625 |
| Tier 1 risk-based capital ratio | 6.3906% | 7,587 |
| Total risk-based capital ratio | 7.7786% | 7,586 |
| Memoranda: | ||
| Average total assets | $820,937,250 | 826 |
| Average earning assets | $753,922,500 | 813 |
| Average equity | $39,529,000 | 1,683 |
| Average total loans | $628,182,250 | 704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 4,832 |
| Cost of funding earning assets | 1.8575% | 1,396 |
| Net interest margin | 3.1658% | 6,419 |
| Noninterest income to average assets | 0.0584% | 7,291 |
| Noninterest expense to average assets | 3.6511% | 1,664 |
| Loan and lease loss provision to assets | 0.2978% | 4,005 |
| Net operating income to assets | -1.0518% | 6,968 |
| Return on assets (ROA) | -1.0518% | 6,983 |
| Pretax return on assets | -0.9977% | 6,888 |
| Return on Equity (ROE) | -21.0515% | 7,292 |
| Retained earnings to average equity (ytd only) | -21.0515% | 7,277 |
| Net charge-offs to loans | 0.9518% | 1,935 |
| Credit loss provision to net charge-offs | 40.7030% | 5,601 |
| Earnings coverage of net charge-offs (x) | -0.9566% | 6,112 |
| Efficiency ratio | 123.6501% | 367 |
| Assets per employee ($millions) | 5.0374% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,646 |
| Loan loss allowance to noncurrent loans | 12.7610% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 14.2588% | 173 |
| Noncurrent loans to loans | 17.7397% | 117 |
| Net loans and leases to total assets | 74.0100% | 1,908 |
| Net loans and leases to deposits | 84.4279% | 2,798 |
| Net loans and leases to core deposits | 87.6465% | 3,590 |
| Total domestic deposits to total assets | 87.6606% | 2,176 |
| Equity capital to assets | 4.8689% | 7,645 |
| Core capital (leverage) ratio | 4.7422% | 7,632 |
| Tier 1 risk-based capital ratio | 7.3905% | 7,568 |
| Total risk-based capital ratio | 8.7317% | 7,568 |
| Memoranda: | ||
| Average total assets | $832,125,670 | 814 |
| Average earning assets | $760,379,670 | 808 |
| Average equity | $41,574,330 | 1,584 |
| Average total loans | $639,652,670 | 699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0859% | 4,600 |
| Cost of funding earning assets | 1.8956% | 1,469 |
| Net interest margin | 3.1903% | 6,319 |
| Noninterest income to average assets | -0.1028% | 7,759 |
| Noninterest expense to average assets | 3.7926% | 1,340 |
| Loan and lease loss provision to assets | 0.3461% | 3,306 |
| Net operating income to assets | -1.4545% | 7,315 |
| Return on assets (ROA) | -1.4545% | 7,327 |
| Pretax return on assets | -1.3474% | 7,201 |
| Return on Equity (ROE) | -28.7563% | 7,552 |
| Retained earnings to average equity (ytd only) | -28.7563% | 7,522 |
| Net charge-offs to loans | 0.8972% | 1,776 |
| Credit loss provision to net charge-offs | 49.8286% | 4,493 |
| Earnings coverage of net charge-offs (x) | -1.4414% | 5,428 |
| Efficiency ratio | 135.8008% | 284 |
| Assets per employee ($millions) | 5.1540% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,488 |
| Loan loss allowance to noncurrent loans | 13.2457% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 16.1997% | 112 |
| Noncurrent loans to loans | 17.7674% | 115 |
| Net loans and leases to total assets | 76.7431% | 1,381 |
| Net loans and leases to deposits | 87.7778% | 2,261 |
| Net loans and leases to core deposits | 91.0195% | 3,226 |
| Total domestic deposits to total assets | 87.4288% | 2,395 |
| Equity capital to assets | 5.0520% | 7,718 |
| Core capital (leverage) ratio | 4.7930% | 7,720 |
| Tier 1 risk-based capital ratio | 7.0911% | 7,691 |
| Total risk-based capital ratio | 8.4696% | 7,682 |
| Memoranda: | ||
| Average total assets | $840,159,000 | 822 |
| Average earning assets | $762,188,500 | 824 |
| Average equity | $42,495,000 | 1,577 |
| Average total loans | $650,502,000 | 696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 6,358 |
| Cost of funding earning assets | 2.8091% | 435 |
| Net interest margin | 2.2143% | 7,642 |
| Noninterest income to average assets | 0.2721% | 6,166 |
| Noninterest expense to average assets | 3.2301% | 3,275 |
| Loan and lease loss provision to assets | 1.4025% | 1,636 |
| Net operating income to assets | -2.5683% | 7,288 |
| Return on assets (ROA) | -2.5200% | 7,270 |
| Pretax return on assets | -2.2828% | 7,056 |
| Return on Equity (ROE) | -41.3361% | 7,590 |
| Retained earnings to average equity (ytd only) | -41.3361% | 7,576 |
| Net charge-offs to loans | 1.8216% | 1,369 |
| Credit loss provision to net charge-offs | 96.6549% | 5,750 |
| Earnings coverage of net charge-offs (x) | -0.6399% | 6,773 |
| Efficiency ratio | 140.2672% | 382 |
| Assets per employee ($millions) | 5.6601% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3894% | 1,361 |
| Loan loss allowance to noncurrent loans | 12.8107% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 16.4393% | 106 |
| Noncurrent loans to loans | 18.6517% | 91 |
| Net loans and leases to total assets | 74.5052% | 2,143 |
| Net loans and leases to deposits | 84.7335% | 3,136 |
| Net loans and leases to core deposits | 115.4684% | 2,372 |
| Total domestic deposits to total assets | 87.9288% | 2,000 |
| Equity capital to assets | 5.0636% | 7,786 |
| Core capital (leverage) ratio | 4.7208% | 7,788 |
| Tier 1 risk-based capital ratio | 7.2190% | 7,725 |
| Total risk-based capital ratio | 8.5794% | 7,718 |
| Memoranda: | ||
| Average total assets | $933,255,800 | 721 |
| Average earning assets | $855,358,400 | 708 |
| Average equity | $56,894,600 | 1,160 |
| Average total loans | $743,398,600 | 619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 6,310 |
| Cost of funding earning assets | 2.9227% | 417 |
| Net interest margin | 2.1660% | 7,727 |
| Noninterest income to average assets | 0.2629% | 6,351 |
| Noninterest expense to average assets | 2.9843% | 4,111 |
| Loan and lease loss provision to assets | 1.2643% | 1,524 |
| Net operating income to assets | -2.7815% | 7,535 |
| Return on assets (ROA) | -2.7206% | 7,525 |
| Pretax return on assets | -1.9331% | 7,146 |
| Return on Equity (ROE) | -42.9674% | 7,780 |
| Retained earnings to average equity (ytd only) | -42.9674% | 7,777 |
| Net charge-offs to loans | 1.3270% | 1,544 |
| Credit loss provision to net charge-offs | 118.4771% | 4,280 |
| Earnings coverage of net charge-offs (x) | -0.6839% | 6,559 |
| Efficiency ratio | 132.2876% | 451 |
| Assets per employee ($millions) | 6.0844% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4518% | 1,106 |
| Loan loss allowance to noncurrent loans | 11.4069% | 7,425 |
| Noncurrent assets plus other real estate owned to assets | 17.3388% | 77 |
| Noncurrent loans to loans | 21.4941% | 54 |
| Net loans and leases to total assets | 74.9528% | 2,255 |
| Net loans and leases to deposits | 84.6999% | 3,535 |
| Net loans and leases to core deposits | 121.4721% | 2,117 |
| Total domestic deposits to total assets | 88.4922% | 1,439 |
| Equity capital to assets | 5.0762% | 7,945 |
| Core capital (leverage) ratio | 4.8803% | 7,931 |
| Tier 1 risk-based capital ratio | 7.4474% | 7,856 |
| Total risk-based capital ratio | 8.7509% | 7,858 |
| Memoranda: | ||
| Average total assets | $950,072,750 | 716 |
| Average earning assets | $873,605,500 | 707 |
| Average equity | $60,155,750 | 1,117 |
| Average total loans | $763,998,250 | 615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3707% | 5,294 |
| Cost of funding earning assets | 3.0452% | 415 |
| Net interest margin | 2.3255% | 7,657 |
| Noninterest income to average assets | 0.2630% | 6,392 |
| Noninterest expense to average assets | 2.8786% | 4,586 |
| Loan and lease loss provision to assets | 1.5834% | 1,071 |
| Net operating income to assets | -1.2183% | 7,120 |
| Return on assets (ROA) | -1.1601% | 7,095 |
| Pretax return on assets | -1.9886% | 7,285 |
| Return on Equity (ROE) | -17.2051% | 7,431 |
| Retained earnings to average equity (ytd only) | -17.2051% | 7,360 |
| Net charge-offs to loans | 1.8590% | 1,011 |
| Credit loss provision to net charge-offs | 104.3935% | 4,401 |
| Earnings coverage of net charge-offs (x) | -0.3272% | 5,972 |
| Efficiency ratio | 120.7582% | 652 |
| Assets per employee ($millions) | 6.3662% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 1,138 |
| Loan loss allowance to noncurrent loans | 13.3234% | 7,419 |
| Noncurrent assets plus other real estate owned to assets | 13.2363% | 143 |
| Noncurrent loans to loans | 17.0436% | 94 |
| Net loans and leases to total assets | 72.7178% | 3,028 |
| Net loans and leases to deposits | 82.9461% | 4,052 |
| Net loans and leases to core deposits | 118.0469% | 2,541 |
| Total domestic deposits to total assets | 87.6688% | 1,942 |
| Equity capital to assets | 6.2547% | 7,880 |
| Core capital (leverage) ratio | 6.0688% | 7,907 |
| Tier 1 risk-based capital ratio | 8.9334% | 7,730 |
| Total risk-based capital ratio | 10.2024% | 7,750 |
| Memoranda: | ||
| Average total assets | $954,430,330 | 732 |
| Average earning assets | $869,823,670 | 726 |
| Average equity | $64,353,000 | 1,053 |
| Average total loans | $778,677,670 | 627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8238% | 3,177 |
| Cost of funding earning assets | 3.1751% | 370 |
| Net interest margin | 2.6487% | 7,298 |
| Noninterest income to average assets | 0.2503% | 6,452 |
| Noninterest expense to average assets | 2.6759% | 5,117 |
| Loan and lease loss provision to assets | 0.6798% | 1,859 |
| Net operating income to assets | -0.5688% | 6,941 |
| Return on assets (ROA) | -0.4232% | 6,873 |
| Pretax return on assets | -0.5328% | 6,846 |
| Return on Equity (ROE) | -6.0483% | 7,068 |
| Retained earnings to average equity (ytd only) | -6.0483% | 6,692 |
| Net charge-offs to loans | 0.6055% | 1,967 |
| Credit loss provision to net charge-offs | 131.5789% | 3,054 |
| Earnings coverage of net charge-offs (x) | -0.0724% | 5,043 |
| Efficiency ratio | 101.3527% | 1,073 |
| Assets per employee ($millions) | 6.2180% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 1,283 |
| Loan loss allowance to noncurrent loans | 19.0585% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 8.9961% | 278 |
| Noncurrent loans to loans | 10.8843% | 234 |
| Net loans and leases to total assets | 80.9380% | 1,214 |
| Net loans and leases to deposits | 93.0146% | 2,432 |
| Net loans and leases to core deposits | 134.0684% | 1,412 |
| Total domestic deposits to total assets | 87.0165% | 2,208 |
| Equity capital to assets | 6.7359% | 7,794 |
| Core capital (leverage) ratio | 6.7401% | 7,785 |
| Tier 1 risk-based capital ratio | 8.8038% | 7,878 |
| Total risk-based capital ratio | 10.0670% | 7,927 |
| Memoranda: | ||
| Average total assets | $941,450,500 | 742 |
| Average earning assets | $848,855,500 | 749 |
| Average equity | $65,869,500 | 1,026 |
| Average total loans | $803,275,000 | 613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6768% | 2,120 |
| Cost of funding earning assets | 3.3538% | 798 |
| Net interest margin | 3.3231% | 5,959 |
| Noninterest income to average assets | 0.3419% | 6,003 |
| Noninterest expense to average assets | 2.9361% | 4,316 |
| Loan and lease loss provision to assets | 1.2790% | 1,117 |
| Net operating income to assets | -0.4975% | 6,924 |
| Return on assets (ROA) | -0.7415% | 7,000 |
| Pretax return on assets | -1.0886% | 7,052 |
| Return on Equity (ROE) | -9.0588% | 7,203 |
| Retained earnings to average equity (ytd only) | -10.3335% | 7,098 |
| Net charge-offs to loans | 0.0931% | 5,401 |
| Credit loss provision to net charge-offs | 1,579.0210% | 278 |
| Earnings coverage of net charge-offs (x) | 6.7804% | 3,272 |
| Efficiency ratio | 79.7465% | 2,634 |
| Assets per employee ($millions) | 5.8519% | 1,230 |
| Cash dividends to net income (ytd only)* | -14.0718% | 7,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,190 |
| Loan loss allowance to noncurrent loans | 20.0575% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 8.8731% | 232 |
| Noncurrent loans to loans | 10.0647% | 210 |
| Net loans and leases to total assets | 86.3810% | 557 |
| Net loans and leases to deposits | 100.4527% | 1,793 |
| Net loans and leases to core deposits | 136.2595% | 1,473 |
| Total domestic deposits to total assets | 85.9917% | 2,407 |
| Equity capital to assets | 7.2736% | 7,579 |
| Core capital (leverage) ratio | 7.1895% | 7,530 |
| Tier 1 risk-based capital ratio | 8.8927% | 7,848 |
| Total risk-based capital ratio | 10.1548% | 7,870 |
| Memoranda: | ||
| Average total assets | $882,689,400 | 765 |
| Average earning assets | $834,975,000 | 723 |
| Average equity | $72,250,200 | 918 |
| Average total loans | $768,157,400 | 622 |