Home > Pilot Bank > Performance and Condition Ratios
Pilot Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 1,288 |
| Cost of funding earning assets | 0.3522% | 2,099 |
| Net interest margin | 3.7573% | 1,208 |
| Noninterest income to average assets | 1.4480% | 581 |
| Noninterest expense to average assets | 2.0826% | 3,415 |
| Loan and lease loss provision to assets | 0.1305% | 886 |
| Net operating income to assets | 2.1136% | 382 |
| Return on assets (ROA) | 2.1802% | 352 |
| Pretax return on assets | 2.9163% | 194 |
| Return on Equity (ROE) | 25.2092% | 171 |
| Retained earnings to average equity (ytd only) | 17.9610% | 199 |
| Net charge-offs to loans | 0.0070% | 2,062 |
| Credit loss provision to net charge-offs | 2,314.8148% | 297 |
| Earnings coverage of net charge-offs (x) | 525.1481% | 289 |
| Efficiency ratio | 41.2781% | 4,681 |
| Assets per employee ($millions) | 8.3993% | 1,090 |
| Cash dividends to net income (ytd only)* | 28.7522% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 4,178 |
| Loan loss allowance to noncurrent loans | 1,124.6341% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,680 |
| Noncurrent loans to loans | 0.0790% | 3,696 |
| Net loans and leases to total assets | 80.5500% | 264 |
| Net loans and leases to deposits | 92.3588% | 478 |
| Net loans and leases to core deposits | 103.4180% | 476 |
| Total domestic deposits to total assets | 87.2142% | 2,262 |
| Equity capital to assets | 9.1475% | 3,699 |
| Core capital (leverage) ratio | 9.4524% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,100,500 | 1,397 |
| Average earning assets | $610,926,750 | 1,370 |
| Average equity | $55,184,750 | 1,650 |
| Average total loans | $516,679,750 | 1,155 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 1,498 |
| Cost of funding earning assets | 0.3674% | 2,158 |
| Net interest margin | 3.6625% | 1,437 |
| Noninterest income to average assets | 1.2605% | 739 |
| Noninterest expense to average assets | 2.0351% | 3,591 |
| Loan and lease loss provision to assets | 0.1959% | 569 |
| Net operating income to assets | 1.9011% | 587 |
| Return on assets (ROA) | 1.9009% | 615 |
| Pretax return on assets | 2.5413% | 335 |
| Return on Equity (ROE) | 22.4114% | 295 |
| Retained earnings to average equity (ytd only) | 22.4114% | 101 |
| Net charge-offs to loans | -0.0159% | 3,886 |
| Credit loss provision to net charge-offs | -1,524.3902% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6404% | 4,675 |
| Assets per employee ($millions) | 8.3943% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,172 |
| Loan loss allowance to noncurrent loans | 880.9793% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 3,661 |
| Noncurrent loans to loans | 0.1014% | 3,675 |
| Net loans and leases to total assets | 80.2956% | 299 |
| Net loans and leases to deposits | 96.3443% | 371 |
| Net loans and leases to core deposits | 106.8744% | 442 |
| Total domestic deposits to total assets | 83.3424% | 3,627 |
| Equity capital to assets | 8.8323% | 3,941 |
| Core capital (leverage) ratio | 9.3171% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,018,000 | 1,391 |
| Average earning assets | $611,820,000 | 1,361 |
| Average equity | $54,115,333 | 1,665 |
| Average total loans | $515,973,000 | 1,152 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 2,090 |
| Cost of funding earning assets | 0.3739% | 2,321 |
| Net interest margin | 3.4313% | 2,017 |
| Noninterest income to average assets | 1.2079% | 844 |
| Noninterest expense to average assets | 1.9500% | 3,857 |
| Loan and lease loss provision to assets | 0.2366% | 462 |
| Net operating income to assets | 1.7335% | 893 |
| Return on assets (ROA) | 1.7380% | 934 |
| Pretax return on assets | 2.3217% | 568 |
| Return on Equity (ROE) | 20.9314% | 474 |
| Retained earnings to average equity (ytd only) | 20.9314% | 241 |
| Net charge-offs to loans | -0.0297% | 4,168 |
| Credit loss provision to net charge-offs | -986.8421% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3076% | 4,613 |
| Assets per employee ($millions) | 9.3718% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 4,368 |
| Loan loss allowance to noncurrent loans | 925.7322% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,852 |
| Noncurrent loans to loans | 0.0883% | 3,863 |
| Net loans and leases to total assets | 81.8243% | 234 |
| Net loans and leases to deposits | 105.0034% | 187 |
| Net loans and leases to core deposits | 116.8135% | 279 |
| Total domestic deposits to total assets | 77.9253% | 4,444 |
| Equity capital to assets | 8.1419% | 4,404 |
| Core capital (leverage) ratio | 9.5176% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $633,848,000 | 1,388 |
| Average earning assets | $608,638,500 | 1,353 |
| Average equity | $52,629,000 | 1,694 |
| Average total loans | $512,122,000 | 1,161 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 2,430 |
| Cost of funding earning assets | 0.6890% | 1,777 |
| Net interest margin | 3.4079% | 2,753 |
| Noninterest income to average assets | 0.8546% | 1,383 |
| Noninterest expense to average assets | 2.1604% | 3,782 |
| Loan and lease loss provision to assets | 0.4306% | 671 |
| Net operating income to assets | 1.1227% | 1,825 |
| Return on assets (ROA) | 1.1581% | 1,814 |
| Pretax return on assets | 1.5477% | 1,203 |
| Return on Equity (ROE) | 12.9095% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.9095% | 247 |
| Net charge-offs to loans | 0.1286% | 1,224 |
| Credit loss provision to net charge-offs | 417.4229% | 1,392 |
| Earnings coverage of net charge-offs (x) | 18.7423% | 2,010 |
| Efficiency ratio | 52.7693% | 4,326 |
| Assets per employee ($millions) | 9.5574% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 4,355 |
| Loan loss allowance to noncurrent loans | 1,791.5179% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,177 |
| Noncurrent loans to loans | 0.0464% | 4,109 |
| Net loans and leases to total assets | 78.3131% | 577 |
| Net loans and leases to deposits | 100.8312% | 339 |
| Net loans and leases to core deposits | 113.5344% | 420 |
| Total domestic deposits to total assets | 77.6675% | 4,352 |
| Equity capital to assets | 8.4759% | 4,460 |
| Core capital (leverage) ratio | 9.8001% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $534,079,400 | 1,462 |
| Average earning assets | $507,680,000 | 1,439 |
| Average equity | $47,910,600 | 1,760 |
| Average total loans | $428,355,800 | 1,277 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 1,974 |
| Cost of funding earning assets | 0.7827% | 1,578 |
| Net interest margin | 3.5648% | 2,380 |
| Noninterest income to average assets | 0.8269% | 1,402 |
| Noninterest expense to average assets | 2.1898% | 3,701 |
| Loan and lease loss provision to assets | 0.5182% | 554 |
| Net operating income to assets | 1.1190% | 1,918 |
| Return on assets (ROA) | 1.1683% | 1,872 |
| Pretax return on assets | 1.5616% | 1,299 |
| Return on Equity (ROE) | 12.8139% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.8139% | 345 |
| Net charge-offs to loans | 0.1489% | 984 |
| Credit loss provision to net charge-offs | 431.9654% | 1,400 |
| Earnings coverage of net charge-offs (x) | 16.8186% | 2,044 |
| Efficiency ratio | 52.0505% | 4,341 |
| Assets per employee ($millions) | 9.1701% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 4,387 |
| Loan loss allowance to noncurrent loans | 1,630.9013% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,253 |
| Noncurrent loans to loans | 0.0483% | 4,187 |
| Net loans and leases to total assets | 81.6327% | 464 |
| Net loans and leases to deposits | 110.5905% | 217 |
| Net loans and leases to core deposits | 126.7930% | 291 |
| Total domestic deposits to total assets | 73.8153% | 4,579 |
| Equity capital to assets | 8.5158% | 4,454 |
| Core capital (leverage) ratio | 9.7516% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,681,000 | 1,485 |
| Average earning assets | $488,014,750 | 1,463 |
| Average equity | $46,927,000 | 1,781 |
| Average total loans | $414,686,500 | 1,307 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 1,599 |
| Cost of funding earning assets | 0.9146% | 1,305 |
| Net interest margin | 3.7067% | 2,137 |
| Noninterest income to average assets | 0.7130% | 1,695 |
| Noninterest expense to average assets | 2.2992% | 3,516 |
| Loan and lease loss provision to assets | 0.4484% | 856 |
| Net operating income to assets | 1.0956% | 1,982 |
| Return on assets (ROA) | 1.1716% | 1,854 |
| Pretax return on assets | 1.5658% | 1,307 |
| Return on Equity (ROE) | 12.5201% | 1,212 |
| Retained earnings to average equity (ytd only) | 12.5201% | 397 |
| Net charge-offs to loans | 0.0219% | 2,282 |
| Credit loss provision to net charge-offs | 2,558.1395% | 399 |
| Earnings coverage of net charge-offs (x) | 109.4186% | 661 |
| Efficiency ratio | 54.5191% | 4,115 |
| Assets per employee ($millions) | 9.1536% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,559 |
| Loan loss allowance to noncurrent loans | 1,685.2792% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,382 |
| Noncurrent loans to loans | 0.0417% | 4,315 |
| Net loans and leases to total assets | 80.1212% | 583 |
| Net loans and leases to deposits | 101.6511% | 458 |
| Net loans and leases to core deposits | 115.6048% | 544 |
| Total domestic deposits to total assets | 78.8198% | 4,063 |
| Equity capital to assets | 8.2242% | 4,624 |
| Core capital (leverage) ratio | 9.0030% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,613,000 | 1,527 |
| Average earning assets | $463,806,000 | 1,501 |
| Average equity | $45,910,000 | 1,794 |
| Average total loans | $391,952,000 | 1,351 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 2,416 |
| Cost of funding earning assets | 1.1901% | 798 |
| Net interest margin | 3.2720% | 3,661 |
| Noninterest income to average assets | 0.5165% | 2,466 |
| Noninterest expense to average assets | 2.4587% | 3,395 |
| Loan and lease loss provision to assets | 0.1354% | 2,032 |
| Net operating income to assets | 0.7422% | 3,121 |
| Return on assets (ROA) | 0.7422% | 3,199 |
| Pretax return on assets | 0.9932% | 2,863 |
| Return on Equity (ROE) | 7.3434% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.3434% | 1,427 |
| Net charge-offs to loans | -0.0034% | 3,752 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5376% | 2,581 |
| Assets per employee ($millions) | 7.1195% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,648 |
| Loan loss allowance to noncurrent loans | 1,155.9809% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,380 |
| Noncurrent loans to loans | 0.0587% | 4,314 |
| Net loans and leases to total assets | 77.6727% | 1,030 |
| Net loans and leases to deposits | 90.4861% | 1,455 |
| Net loans and leases to core deposits | 103.5248% | 1,215 |
| Total domestic deposits to total assets | 85.8394% | 2,064 |
| Equity capital to assets | 10.0420% | 3,742 |
| Core capital (leverage) ratio | 9.7847% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,004,000 | 1,637 |
| Average earning assets | $415,776,500 | 1,615 |
| Average equity | $44,775,000 | 1,823 |
| Average total loans | $351,580,500 | 1,447 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 2,441 |
| Cost of funding earning assets | 1.3610% | 631 |
| Net interest margin | 3.2976% | 3,995 |
| Noninterest income to average assets | 0.4874% | 2,819 |
| Noninterest expense to average assets | 2.6639% | 2,984 |
| Loan and lease loss provision to assets | 0.1323% | 1,613 |
| Net operating income to assets | 0.5667% | 4,254 |
| Return on assets (ROA) | 0.5731% | 4,296 |
| Pretax return on assets | 0.7690% | 4,048 |
| Return on Equity (ROE) | 5.6219% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.6219% | 2,087 |
| Net charge-offs to loans | 0.0022% | 3,624 |
| Credit loss provision to net charge-offs | 7,571.4286% | 59 |
| Earnings coverage of net charge-offs (x) | 511.2857% | 183 |
| Efficiency ratio | 74.8877% | 1,505 |
| Assets per employee ($millions) | 6.8312% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 4,644 |
| Loan loss allowance to noncurrent loans | 997.3568% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,368 |
| Noncurrent loans to loans | 0.0654% | 4,278 |
| Net loans and leases to total assets | 80.0647% | 776 |
| Net loans and leases to deposits | 94.9508% | 1,057 |
| Net loans and leases to core deposits | 113.7597% | 683 |
| Total domestic deposits to total assets | 84.3223% | 2,745 |
| Equity capital to assets | 10.1761% | 3,755 |
| Core capital (leverage) ratio | 9.5935% | 3,968 |
| Tier 1 risk-based capital ratio | 11.5596% | 4,598 |
| Total risk-based capital ratio | 12.1895% | 4,783 |
| Memoranda: | ||
| Average total assets | $400,657,000 | 1,739 |
| Average earning assets | $372,967,000 | 1,739 |
| Average equity | $40,840,200 | 1,894 |
| Average total loans | $320,293,400 | 1,525 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 2,659 |
| Cost of funding earning assets | 1.3546% | 670 |
| Net interest margin | 3.2650% | 4,159 |
| Noninterest income to average assets | 0.4354% | 3,101 |
| Noninterest expense to average assets | 2.6518% | 3,009 |
| Loan and lease loss provision to assets | 0.1288% | 1,504 |
| Net operating income to assets | 0.5127% | 4,482 |
| Return on assets (ROA) | 0.5140% | 4,538 |
| Pretax return on assets | 0.6917% | 4,363 |
| Return on Equity (ROE) | 5.0404% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.0404% | 2,872 |
| Net charge-offs to loans | 0.0042% | 3,253 |
| Credit loss provision to net charge-offs | 3,800.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 241.5544% | 383 |
| Efficiency ratio | 76.4068% | 1,283 |
| Assets per employee ($millions) | 6.6576% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6172% | 4,779 |
| Loan loss allowance to noncurrent loans | 909.4828% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,437 |
| Noncurrent loans to loans | 0.0679% | 4,335 |
| Net loans and leases to total assets | 79.7352% | 881 |
| Net loans and leases to deposits | 96.0798% | 1,009 |
| Net loans and leases to core deposits | 121.8132% | 477 |
| Total domestic deposits to total assets | 82.9885% | 3,176 |
| Equity capital to assets | 9.9759% | 4,043 |
| Core capital (leverage) ratio | 9.8245% | 3,823 |
| Tier 1 risk-based capital ratio | 11.6242% | 4,605 |
| Total risk-based capital ratio | 12.2375% | 4,801 |
| Memoranda: | ||
| Average total assets | $393,230,500 | 1,775 |
| Average earning assets | $365,570,250 | 1,776 |
| Average equity | $40,101,750 | 1,932 |
| Average total loans | $313,658,500 | 1,559 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 2,571 |
| Cost of funding earning assets | 1.3336% | 676 |
| Net interest margin | 3.2992% | 4,150 |
| Noninterest income to average assets | 0.3338% | 3,702 |
| Noninterest expense to average assets | 2.7320% | 2,812 |
| Loan and lease loss provision to assets | 0.1203% | 1,558 |
| Net operating income to assets | 0.4034% | 4,733 |
| Return on assets (ROA) | 0.4055% | 4,747 |
| Pretax return on assets | 0.5462% | 4,632 |
| Return on Equity (ROE) | 3.9440% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.9440% | 3,274 |
| Net charge-offs to loans | 0.0072% | 2,890 |
| Credit loss provision to net charge-offs | 2,090.9091% | 177 |
| Earnings coverage of net charge-offs (x) | 115.3636% | 624 |
| Efficiency ratio | 80.4499% | 931 |
| Assets per employee ($millions) | 5.9195% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 4,858 |
| Loan loss allowance to noncurrent loans | 793.1174% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,443 |
| Noncurrent loans to loans | 0.0770% | 4,333 |
| Net loans and leases to total assets | 79.2330% | 1,006 |
| Net loans and leases to deposits | 94.6061% | 1,195 |
| Net loans and leases to core deposits | 119.3511% | 568 |
| Total domestic deposits to total assets | 83.7505% | 2,965 |
| Equity capital to assets | 10.3066% | 3,689 |
| Core capital (leverage) ratio | 9.8586% | 3,746 |
| Tier 1 risk-based capital ratio | 11.7344% | 4,549 |
| Total risk-based capital ratio | 12.3280% | 4,789 |
| Memoranda: | ||
| Average total assets | $382,277,670 | 1,814 |
| Average earning assets | $354,818,330 | 1,818 |
| Average equity | $39,300,330 | 1,968 |
| Average total loans | $304,260,330 | 1,599 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 2,601 |
| Cost of funding earning assets | 1.2668% | 736 |
| Net interest margin | 3.3144% | 4,129 |
| Noninterest income to average assets | 0.2268% | 4,385 |
| Noninterest expense to average assets | 2.8182% | 2,508 |
| Loan and lease loss provision to assets | 0.0860% | 1,988 |
| Net operating income to assets | 0.2913% | 4,910 |
| Return on assets (ROA) | 0.2913% | 4,915 |
| Pretax return on assets | 0.3934% | 4,846 |
| Return on Equity (ROE) | 2.8372% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.8372% | 3,803 |
| Net charge-offs to loans | 0.0081% | 2,398 |
| Credit loss provision to net charge-offs | 1,333.3333% | 287 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 810 |
| Efficiency ratio | 85.4628% | 617 |
| Assets per employee ($millions) | 5.9949% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 4,932 |
| Loan loss allowance to noncurrent loans | 681.9549% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,474 |
| Noncurrent loans to loans | 0.0885% | 4,353 |
| Net loans and leases to total assets | 77.8887% | 1,175 |
| Net loans and leases to deposits | 92.2112% | 1,379 |
| Net loans and leases to core deposits | 116.6124% | 629 |
| Total domestic deposits to total assets | 84.4678% | 2,860 |
| Equity capital to assets | 10.3554% | 3,468 |
| Core capital (leverage) ratio | 10.0229% | 3,579 |
| Tier 1 risk-based capital ratio | 11.9547% | 4,484 |
| Total risk-based capital ratio | 12.5416% | 4,755 |
| Memoranda: | ||
| Average total assets | $372,152,000 | 1,867 |
| Average earning assets | $344,796,500 | 1,870 |
| Average equity | $38,207,000 | 2,006 |
| Average total loans | $295,943,000 | 1,651 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 2,861 |
| Cost of funding earning assets | 0.9976% | 758 |
| Net interest margin | 3.3725% | 4,067 |
| Noninterest income to average assets | 0.3339% | 3,879 |
| Noninterest expense to average assets | 2.7208% | 2,958 |
| Loan and lease loss provision to assets | 0.0876% | 2,394 |
| Net operating income to assets | 0.4714% | 4,725 |
| Return on assets (ROA) | 0.4802% | 4,702 |
| Pretax return on assets | 0.6457% | 4,545 |
| Return on Equity (ROE) | 4.6220% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.6220% | 2,982 |
| Net charge-offs to loans | -0.0042% | 4,324 |
| Credit loss provision to net charge-offs | -2,645.4545% | 4,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0242% | 1,037 |
| Assets per employee ($millions) | 5.6349% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5975% | 4,975 |
| Loan loss allowance to noncurrent loans | 537.0370% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,368 |
| Noncurrent loans to loans | 0.1113% | 4,231 |
| Net loans and leases to total assets | 80.2743% | 895 |
| Net loans and leases to deposits | 96.2823% | 1,048 |
| Net loans and leases to core deposits | 122.6493% | 477 |
| Total domestic deposits to total assets | 83.3739% | 3,202 |
| Equity capital to assets | 10.1719% | 3,502 |
| Core capital (leverage) ratio | 9.5936% | 4,010 |
| Tier 1 risk-based capital ratio | 11.3047% | 4,809 |
| Total risk-based capital ratio | 11.8845% | 5,025 |
| Memoranda: | ||
| Average total assets | $332,183,000 | 1,977 |
| Average earning assets | $306,242,600 | 1,991 |
| Average equity | $34,508,800 | 2,092 |
| Average total loans | $258,946,400 | 1,785 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,942 |
| Cost of funding earning assets | 0.9312% | 801 |
| Net interest margin | 3.3749% | 4,084 |
| Noninterest income to average assets | 0.2408% | 4,532 |
| Noninterest expense to average assets | 2.6722% | 3,056 |
| Loan and lease loss provision to assets | 0.0972% | 2,035 |
| Net operating income to assets | 0.4298% | 4,896 |
| Return on assets (ROA) | 0.4298% | 4,905 |
| Pretax return on assets | 0.5783% | 4,765 |
| Return on Equity (ROE) | 4.1139% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.1139% | 3,718 |
| Net charge-offs to loans | 0.0106% | 3,042 |
| Credit loss provision to net charge-offs | 1,185.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 82.3378% | 866 |
| Efficiency ratio | 79.8211% | 958 |
| Assets per employee ($millions) | 6.0365% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 5,038 |
| Loan loss allowance to noncurrent loans | 614.8699% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,580 |
| Noncurrent loans to loans | 0.0981% | 4,452 |
| Net loans and leases to total assets | 79.1928% | 1,134 |
| Net loans and leases to deposits | 97.0938% | 1,031 |
| Net loans and leases to core deposits | 120.1401% | 570 |
| Total domestic deposits to total assets | 81.5632% | 3,718 |
| Equity capital to assets | 10.3471% | 3,288 |
| Core capital (leverage) ratio | 9.7908% | 3,851 |
| Tier 1 risk-based capital ratio | 11.5906% | 4,740 |
| Total risk-based capital ratio | 12.1747% | 4,973 |
| Memoranda: | ||
| Average total assets | $325,071,000 | 2,025 |
| Average earning assets | $299,257,500 | 2,036 |
| Average equity | $33,965,250 | 2,115 |
| Average total loans | $250,874,500 | 1,821 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 3,085 |
| Cost of funding earning assets | 0.8520% | 903 |
| Net interest margin | 3.3583% | 4,079 |
| Noninterest income to average assets | 0.2366% | 4,598 |
| Noninterest expense to average assets | 2.6925% | 3,039 |
| Loan and lease loss provision to assets | 0.1487% | 1,281 |
| Net operating income to assets | 0.3602% | 5,037 |
| Return on assets (ROA) | 0.3602% | 5,034 |
| Pretax return on assets | 0.4844% | 4,930 |
| Return on Equity (ROE) | 3.4351% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.4351% | 3,861 |
| Net charge-offs to loans | 0.0214% | 2,455 |
| Credit loss provision to net charge-offs | 911.5385% | 442 |
| Earnings coverage of net charge-offs (x) | 38.8077% | 1,324 |
| Efficiency ratio | 80.9623% | 921 |
| Assets per employee ($millions) | 5.9453% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6334% | 5,048 |
| Loan loss allowance to noncurrent loans | 502.7439% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 4,506 |
| Noncurrent loans to loans | 0.1260% | 4,345 |
| Net loans and leases to total assets | 77.7028% | 1,363 |
| Net loans and leases to deposits | 91.5117% | 1,641 |
| Net loans and leases to core deposits | 113.5910% | 810 |
| Total domestic deposits to total assets | 84.9102% | 2,707 |
| Equity capital to assets | 10.5622% | 3,062 |
| Core capital (leverage) ratio | 9.9507% | 3,632 |
| Tier 1 risk-based capital ratio | 11.9890% | 4,504 |
| Total risk-based capital ratio | 12.6033% | 4,770 |
| Memoranda: | ||
| Average total assets | $318,735,330 | 2,072 |
| Average earning assets | $293,188,000 | 2,082 |
| Average equity | $33,419,670 | 2,151 |
| Average total loans | $243,119,670 | 1,874 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,121 |
| Cost of funding earning assets | 0.7774% | 1,064 |
| Net interest margin | 3.3545% | 4,038 |
| Noninterest income to average assets | 0.2593% | 4,443 |
| Noninterest expense to average assets | 2.7648% | 2,825 |
| Loan and lease loss provision to assets | 0.1977% | 844 |
| Net operating income to assets | 0.2811% | 5,124 |
| Return on assets (ROA) | 0.2811% | 5,125 |
| Pretax return on assets | 0.3761% | 5,065 |
| Return on Equity (ROE) | 2.6915% | 5,074 |
| Retained earnings to average equity (ytd only) | 2.6915% | 4,099 |
| Net charge-offs to loans | 0.1416% | 966 |
| Credit loss provision to net charge-offs | 185.5422% | 1,094 |
| Earnings coverage of net charge-offs (x) | 5.3855% | 2,244 |
| Efficiency ratio | 82.8143% | 875 |
| Assets per employee ($millions) | 5.4865% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 5,138 |
| Loan loss allowance to noncurrent loans | 470.0935% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 4,581 |
| Noncurrent loans to loans | 0.1331% | 4,373 |
| Net loans and leases to total assets | 75.2956% | 1,656 |
| Net loans and leases to deposits | 89.3299% | 1,775 |
| Net loans and leases to core deposits | 104.0024% | 1,376 |
| Total domestic deposits to total assets | 84.2894% | 3,203 |
| Equity capital to assets | 10.5132% | 3,064 |
| Core capital (leverage) ratio | 9.7266% | 3,822 |
| Tier 1 risk-based capital ratio | 12.0812% | 4,508 |
| Total risk-based capital ratio | 12.6839% | 4,793 |
| Memoranda: | ||
| Average total assets | $311,636,000 | 2,135 |
| Average earning assets | $286,065,000 | 2,145 |
| Average equity | $32,547,000 | 2,204 |
| Average total loans | $234,505,500 | 1,936 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 2,697 |
| Cost of funding earning assets | 0.7168% | 938 |
| Net interest margin | 3.4798% | 3,594 |
| Noninterest income to average assets | 0.2906% | 4,384 |
| Noninterest expense to average assets | 2.9691% | 2,251 |
| Loan and lease loss provision to assets | -0.0512% | 5,402 |
| Net operating income to assets | -0.4372% | 5,515 |
| Return on assets (ROA) | -0.4356% | 5,514 |
| Pretax return on assets | 0.5229% | 4,894 |
| Return on Equity (ROE) | -4.0448% | 5,523 |
| Retained earnings to average equity (ytd only) | -4.0448% | 5,401 |
| Net charge-offs to loans | -0.0634% | 5,249 |
| Credit loss provision to net charge-offs | 108.3969% | 2,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3555% | 622 |
| Assets per employee ($millions) | 5.2595% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6310% | 5,188 |
| Loan loss allowance to noncurrent loans | 303.3755% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 3,641 |
| Noncurrent loans to loans | 0.2080% | 4,080 |
| Net loans and leases to total assets | 74.2360% | 1,877 |
| Net loans and leases to deposits | 88.8162% | 1,919 |
| Net loans and leases to core deposits | 101.1678% | 1,618 |
| Total domestic deposits to total assets | 83.5838% | 3,362 |
| Equity capital to assets | 10.3716% | 3,310 |
| Core capital (leverage) ratio | 9.5529% | 3,976 |
| Tier 1 risk-based capital ratio | 11.8730% | 4,615 |
| Total risk-based capital ratio | 12.4778% | 4,903 |
| Memoranda: | ||
| Average total assets | $277,324,000 | 2,302 |
| Average earning assets | $250,847,200 | 2,343 |
| Average equity | $29,865,800 | 2,363 |
| Average total loans | $206,740,600 | 2,105 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 2,555 |
| Cost of funding earning assets | 0.7006% | 963 |
| Net interest margin | 3.5156% | 3,447 |
| Noninterest income to average assets | 0.2959% | 4,416 |
| Noninterest expense to average assets | 3.0074% | 2,089 |
| Loan and lease loss provision to assets | -0.0700% | 5,552 |
| Net operating income to assets | 0.3380% | 5,141 |
| Return on assets (ROA) | 0.3393% | 5,166 |
| Pretax return on assets | 0.5276% | 4,978 |
| Return on Equity (ROE) | 3.1177% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.1177% | 4,058 |
| Net charge-offs to loans | -0.0999% | 5,384 |
| Credit loss provision to net charge-offs | 94.0397% | 2,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8432% | 578 |
| Assets per employee ($millions) | 5.0530% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 5,211 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,741 |
| Noncurrent loans to loans | 0.2226% | 4,176 |
| Net loans and leases to total assets | 74.0101% | 1,916 |
| Net loans and leases to deposits | 89.6687% | 1,847 |
| Net loans and leases to core deposits | 103.1947% | 1,453 |
| Total domestic deposits to total assets | 82.5372% | 3,613 |
| Equity capital to assets | 10.9685% | 2,893 |
| Core capital (leverage) ratio | 9.6018% | 4,031 |
| Tier 1 risk-based capital ratio | 11.9319% | 4,679 |
| Total risk-based capital ratio | 12.5744% | 4,944 |
| Memoranda: | ||
| Average total assets | $270,391,750 | 2,364 |
| Average earning assets | $243,592,500 | 2,413 |
| Average equity | $29,422,500 | 2,415 |
| Average total loans | $201,451,500 | 2,152 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,582 |
| Cost of funding earning assets | 0.6674% | 1,053 |
| Net interest margin | 3.5024% | 3,391 |
| Noninterest income to average assets | 0.3036% | 4,365 |
| Noninterest expense to average assets | 2.9928% | 2,134 |
| Loan and lease loss provision to assets | -0.0898% | 5,638 |
| Net operating income to assets | 0.3516% | 5,092 |
| Return on assets (ROA) | 0.3516% | 5,115 |
| Pretax return on assets | 0.5471% | 4,911 |
| Return on Equity (ROE) | 3.2404% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.2404% | 3,784 |
| Net charge-offs to loans | -0.1256% | 5,480 |
| Credit loss provision to net charge-offs | 95.9350% | 2,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7446% | 629 |
| Assets per employee ($millions) | 5.1679% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 5,219 |
| Loan loss allowance to noncurrent loans | 279.0787% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 3,519 |
| Noncurrent loans to loans | 0.2499% | 4,139 |
| Net loans and leases to total assets | 75.5727% | 1,597 |
| Net loans and leases to deposits | 92.9120% | 1,370 |
| Net loans and leases to core deposits | 105.5241% | 1,262 |
| Total domestic deposits to total assets | 81.3380% | 4,095 |
| Equity capital to assets | 10.7470% | 3,082 |
| Core capital (leverage) ratio | 9.1979% | 4,491 |
| Tier 1 risk-based capital ratio | 11.2975% | 5,090 |
| Total risk-based capital ratio | 11.9758% | 5,299 |
| Memoranda: | ||
| Average total assets | $262,830,670 | 2,419 |
| Average earning assets | $236,123,330 | 2,485 |
| Average equity | $28,514,670 | 2,467 |
| Average total loans | $195,814,330 | 2,206 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 2,665 |
| Cost of funding earning assets | 0.6496% | 1,082 |
| Net interest margin | 3.4460% | 3,464 |
| Noninterest income to average assets | 0.3218% | 4,248 |
| Noninterest expense to average assets | 3.0051% | 2,155 |
| Loan and lease loss provision to assets | -0.0404% | 5,702 |
| Net operating income to assets | 0.2861% | 5,226 |
| Return on assets (ROA) | 0.2861% | 5,242 |
| Pretax return on assets | 0.4415% | 5,074 |
| Return on Equity (ROE) | 2.6235% | 5,199 |
| Retained earnings to average equity (ytd only) | 2.6235% | 4,087 |
| Net charge-offs to loans | -0.0591% | 5,255 |
| Credit loss provision to net charge-offs | 92.8571% | 1,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2246% | 650 |
| Assets per employee ($millions) | 5.2279% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 5,216 |
| Loan loss allowance to noncurrent loans | 279.0385% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 2,813 |
| Noncurrent loans to loans | 0.2666% | 4,157 |
| Net loans and leases to total assets | 72.6053% | 1,990 |
| Net loans and leases to deposits | 88.8664% | 1,681 |
| Net loans and leases to core deposits | 98.4850% | 1,618 |
| Total domestic deposits to total assets | 81.7016% | 4,245 |
| Equity capital to assets | 10.7218% | 2,937 |
| Core capital (leverage) ratio | 9.1865% | 4,500 |
| Tier 1 risk-based capital ratio | 11.4823% | 5,040 |
| Total risk-based capital ratio | 12.1995% | 5,253 |
| Memoranda: | ||
| Average total assets | $257,296,500 | 2,483 |
| Average earning assets | $230,297,500 | 2,552 |
| Average equity | $28,054,000 | 2,510 |
| Average total loans | $189,498,000 | 2,280 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,419 |
| Cost of funding earning assets | 0.6884% | 863 |
| Net interest margin | 3.5322% | 3,308 |
| Noninterest income to average assets | 0.7689% | 1,886 |
| Noninterest expense to average assets | 3.1956% | 1,800 |
| Loan and lease loss provision to assets | -0.1231% | 5,716 |
| Net operating income to assets | 0.6570% | 3,967 |
| Return on assets (ROA) | 0.6588% | 4,077 |
| Pretax return on assets | 0.7705% | 4,267 |
| Return on Equity (ROE) | 5.9802% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.9802% | 1,713 |
| Net charge-offs to loans | -0.0720% | 5,490 |
| Credit loss provision to net charge-offs | 242.1488% | 1,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1984% | 1,084 |
| Assets per employee ($millions) | 4.4280% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,139 |
| Loan loss allowance to noncurrent loans | 308.2979% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 1,710 |
| Noncurrent loans to loans | 0.2555% | 4,240 |
| Net loans and leases to total assets | 73.6030% | 1,913 |
| Net loans and leases to deposits | 92.4093% | 1,391 |
| Net loans and leases to core deposits | 104.6154% | 1,236 |
| Total domestic deposits to total assets | 79.6490% | 4,645 |
| Equity capital to assets | 11.0986% | 2,542 |
| Core capital (leverage) ratio | 9.4222% | 4,197 |
| Tier 1 risk-based capital ratio | 11.4693% | 5,076 |
| Total risk-based capital ratio | 12.2105% | 5,256 |
| Memoranda: | ||
| Average total assets | $238,014,400 | 2,600 |
| Average earning assets | $207,008,600 | 2,721 |
| Average equity | $26,219,800 | 2,618 |
| Average total loans | $167,951,000 | 2,432 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,311 |
| Cost of funding earning assets | 0.7062% | 791 |
| Net interest margin | 3.5508% | 3,267 |
| Noninterest income to average assets | 0.3781% | 4,077 |
| Noninterest expense to average assets | 3.0184% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2952% | 5,295 |
| Return on assets (ROA) | 0.2972% | 5,374 |
| Pretax return on assets | 0.4336% | 5,255 |
| Return on Equity (ROE) | 2.7032% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.7032% | 4,278 |
| Net charge-offs to loans | -0.0220% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5103% | 705 |
| Assets per employee ($millions) | 4.3218% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 4,589 |
| Loan loss allowance to noncurrent loans | 456.5097% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 1,490 |
| Noncurrent loans to loans | 0.2115% | 4,510 |
| Net loans and leases to total assets | 71.1073% | 2,333 |
| Net loans and leases to deposits | 87.1848% | 2,121 |
| Net loans and leases to core deposits | 93.5238% | 2,231 |
| Total domestic deposits to total assets | 81.5593% | 4,091 |
| Equity capital to assets | 11.2181% | 2,779 |
| Core capital (leverage) ratio | 9.0731% | 4,752 |
| Tier 1 risk-based capital ratio | 11.4181% | 5,143 |
| Total risk-based capital ratio | 12.2993% | 5,255 |
| Memoranda: | ||
| Average total assets | $235,526,000 | 2,627 |
| Average earning assets | $203,706,250 | 2,764 |
| Average equity | $25,894,500 | 2,671 |
| Average total loans | $163,948,500 | 2,479 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,210 |
| Cost of funding earning assets | 0.7168% | 738 |
| Net interest margin | 3.5661% | 3,228 |
| Noninterest income to average assets | 0.3671% | 4,126 |
| Noninterest expense to average assets | 3.0017% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3049% | 5,309 |
| Return on assets (ROA) | 0.3049% | 5,398 |
| Pretax return on assets | 0.4463% | 5,253 |
| Return on Equity (ROE) | 2.7928% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.7928% | 4,118 |
| Net charge-offs to loans | -0.0334% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0553% | 786 |
| Assets per employee ($millions) | 4.5134% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 4,581 |
| Loan loss allowance to noncurrent loans | 372.0090% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2953% | 1,563 |
| Noncurrent loans to loans | 0.2660% | 4,407 |
| Net loans and leases to total assets | 67.6501% | 2,836 |
| Net loans and leases to deposits | 83.5725% | 2,518 |
| Net loans and leases to core deposits | 89.7473% | 2,556 |
| Total domestic deposits to total assets | 80.9479% | 4,292 |
| Equity capital to assets | 10.6324% | 3,491 |
| Core capital (leverage) ratio | 8.9769% | 4,855 |
| Tier 1 risk-based capital ratio | 10.9799% | 5,431 |
| Total risk-based capital ratio | 11.8686% | 5,534 |
| Memoranda: | ||
| Average total assets | $234,802,330 | 2,641 |
| Average earning assets | $202,856,000 | 2,779 |
| Average equity | $25,637,670 | 2,695 |
| Average total loans | $161,708,670 | 2,512 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 1,666 |
| Cost of funding earning assets | 0.7460% | 647 |
| Net interest margin | 3.6996% | 2,673 |
| Noninterest income to average assets | 0.3560% | 4,182 |
| Noninterest expense to average assets | 3.0268% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3421% | 5,171 |
| Return on assets (ROA) | 0.3421% | 5,259 |
| Pretax return on assets | 0.5071% | 5,069 |
| Return on Equity (ROE) | 3.0903% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.0903% | 3,970 |
| Net charge-offs to loans | -0.0753% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6511% | 1,006 |
| Assets per employee ($millions) | 4.4314% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,414 |
| Loan loss allowance to noncurrent loans | 279.8305% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.5493% | 1,298 |
| Noncurrent loans to loans | 0.3702% | 4,109 |
| Net loans and leases to total assets | 68.4374% | 2,593 |
| Net loans and leases to deposits | 83.8039% | 2,325 |
| Net loans and leases to core deposits | 88.9640% | 2,459 |
| Total domestic deposits to total assets | 81.6637% | 4,316 |
| Equity capital to assets | 11.1398% | 2,784 |
| Core capital (leverage) ratio | 8.8281% | 5,054 |
| Tier 1 risk-based capital ratio | 11.3944% | 5,284 |
| Total risk-based capital ratio | 12.3302% | 5,372 |
| Memoranda: | ||
| Average total assets | $230,340,500 | 2,691 |
| Average earning assets | $197,858,500 | 2,843 |
| Average equity | $25,499,500 | 2,706 |
| Average total loans | $159,298,500 | 2,537 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,737 |
| Cost of funding earning assets | 0.7723% | 570 |
| Net interest margin | 3.6799% | 2,830 |
| Noninterest income to average assets | 0.3771% | 4,205 |
| Noninterest expense to average assets | 3.1059% | 2,221 |
| Loan and lease loss provision to assets | 0.0268% | 3,848 |
| Net operating income to assets | 0.2603% | 5,460 |
| Return on assets (ROA) | 0.2794% | 5,492 |
| Pretax return on assets | 0.4000% | 5,320 |
| Return on Equity (ROE) | 2.7372% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.7372% | 4,124 |
| Net charge-offs to loans | 0.0654% | 2,925 |
| Credit loss provision to net charge-offs | 59.8039% | 3,271 |
| Earnings coverage of net charge-offs (x) | 8.9020% | 2,887 |
| Efficiency ratio | 88.6016% | 792 |
| Assets per employee ($millions) | 4.5146% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 4,495 |
| Loan loss allowance to noncurrent loans | 203.6432% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 2.1264% | 807 |
| Noncurrent loans to loans | 0.4999% | 3,688 |
| Net loans and leases to total assets | 68.4578% | 2,634 |
| Net loans and leases to deposits | 83.0214% | 2,471 |
| Net loans and leases to core deposits | 89.6211% | 2,443 |
| Total domestic deposits to total assets | 82.4580% | 4,033 |
| Equity capital to assets | 11.0008% | 2,823 |
| Core capital (leverage) ratio | 8.8227% | 5,085 |
| Tier 1 risk-based capital ratio | 11.2340% | 5,406 |
| Total risk-based capital ratio | 12.1532% | 5,485 |
| Memoranda: | ||
| Average total assets | $227,242,400 | 2,686 |
| Average earning assets | $193,186,200 | 2,857 |
| Average equity | $23,198,600 | 2,862 |
| Average total loans | $156,056,800 | 2,516 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 1,728 |
| Cost of funding earning assets | 0.7700% | 595 |
| Net interest margin | 3.6895% | 2,809 |
| Noninterest income to average assets | 0.3879% | 4,167 |
| Noninterest expense to average assets | 3.1270% | 2,149 |
| Loan and lease loss provision to assets | 0.0359% | 3,500 |
| Net operating income to assets | 0.2499% | 5,577 |
| Return on assets (ROA) | 0.2690% | 5,613 |
| Pretax return on assets | 0.3891% | 5,482 |
| Return on Equity (ROE) | 2.6883% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.6883% | 4,503 |
| Net charge-offs to loans | 0.1039% | 2,095 |
| Credit loss provision to net charge-offs | 50.4132% | 3,027 |
| Earnings coverage of net charge-offs (x) | 5.5785% | 3,182 |
| Efficiency ratio | 88.7256% | 784 |
| Assets per employee ($millions) | 4.5366% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 4,728 |
| Loan loss allowance to noncurrent loans | 198.7593% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2113% | 856 |
| Noncurrent loans to loans | 0.5049% | 3,834 |
| Net loans and leases to total assets | 69.6694% | 2,440 |
| Net loans and leases to deposits | 83.3488% | 2,477 |
| Net loans and leases to core deposits | 92.7722% | 2,190 |
| Total domestic deposits to total assets | 83.5877% | 3,575 |
| Equity capital to assets | 10.2350% | 3,886 |
| Core capital (leverage) ratio | 7.7736% | 5,991 |
| Tier 1 risk-based capital ratio | 10.2091% | 5,975 |
| Total risk-based capital ratio | 11.1403% | 6,035 |
| Memoranda: | ||
| Average total assets | $226,491,250 | 2,718 |
| Average earning assets | $192,543,750 | 2,891 |
| Average equity | $22,666,000 | 2,925 |
| Average total loans | $155,260,250 | 2,542 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 1,860 |
| Cost of funding earning assets | 0.7615% | 608 |
| Net interest margin | 3.6348% | 2,962 |
| Noninterest income to average assets | 0.4665% | 3,587 |
| Noninterest expense to average assets | 3.1187% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2922% | 5,462 |
| Return on assets (ROA) | 0.3181% | 5,481 |
| Pretax return on assets | 0.4682% | 5,308 |
| Return on Equity (ROE) | 3.2025% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.2025% | 4,009 |
| Net charge-offs to loans | -0.0403% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8765% | 914 |
| Assets per employee ($millions) | 4.8437% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,537 |
| Loan loss allowance to noncurrent loans | 223.0567% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 2.2370% | 921 |
| Noncurrent loans to loans | 0.4752% | 4,049 |
| Net loans and leases to total assets | 67.9657% | 2,648 |
| Net loans and leases to deposits | 80.4770% | 2,725 |
| Net loans and leases to core deposits | 89.9855% | 2,353 |
| Total domestic deposits to total assets | 84.4536% | 3,371 |
| Equity capital to assets | 9.8474% | 4,222 |
| Core capital (leverage) ratio | 7.8387% | 6,001 |
| Tier 1 risk-based capital ratio | 10.0819% | 6,059 |
| Total risk-based capital ratio | 11.0611% | 6,095 |
| Memoranda: | ||
| Average total assets | $226,378,330 | 2,733 |
| Average earning assets | $191,978,670 | 2,917 |
| Average equity | $22,482,670 | 2,954 |
| Average total loans | $153,802,670 | 2,571 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 1,735 |
| Cost of funding earning assets | 0.7678% | 596 |
| Net interest margin | 3.6412% | 2,853 |
| Noninterest income to average assets | 0.4048% | 3,969 |
| Noninterest expense to average assets | 3.2008% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2066% | 5,668 |
| Return on assets (ROA) | 0.2651% | 5,612 |
| Pretax return on assets | 0.3475% | 5,546 |
| Return on Equity (ROE) | 2.6575% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.6575% | 4,356 |
| Net charge-offs to loans | -0.0636% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2085% | 696 |
| Assets per employee ($millions) | 4.0472% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 4,545 |
| Loan loss allowance to noncurrent loans | 180.3209% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 2.7034% | 745 |
| Noncurrent loans to loans | 0.6070% | 3,754 |
| Net loans and leases to total assets | 67.2169% | 2,573 |
| Net loans and leases to deposits | 80.8900% | 2,460 |
| Net loans and leases to core deposits | 91.1965% | 2,010 |
| Total domestic deposits to total assets | 83.0966% | 4,150 |
| Equity capital to assets | 10.1164% | 3,993 |
| Core capital (leverage) ratio | 7.7890% | 6,035 |
| Tier 1 risk-based capital ratio | 10.3009% | 6,077 |
| Total risk-based capital ratio | 11.3228% | 6,104 |
| Memoranda: | ||
| Average total assets | $223,318,500 | 2,777 |
| Average earning assets | $188,070,000 | 2,964 |
| Average equity | $22,276,500 | 2,994 |
| Average total loans | $150,848,000 | 2,613 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,488 |
| Cost of funding earning assets | 0.8260% | 568 |
| Net interest margin | 3.5062% | 3,767 |
| Noninterest income to average assets | 0.5275% | 3,308 |
| Noninterest expense to average assets | 3.8447% | 923 |
| Loan and lease loss provision to assets | 0.1169% | 2,220 |
| Net operating income to assets | -0.3155% | 6,245 |
| Return on assets (ROA) | -0.2212% | 6,213 |
| Pretax return on assets | -0.4003% | 6,253 |
| Return on Equity (ROE) | -2.3065% | 6,223 |
| Retained earnings to average equity (ytd only) | -2.3065% | 6,043 |
| Net charge-offs to loans | 0.4667% | 897 |
| Credit loss provision to net charge-offs | 37.7644% | 3,718 |
| Earnings coverage of net charge-offs (x) | -1.3912% | 4,816 |
| Efficiency ratio | 112.6164% | 186 |
| Assets per employee ($millions) | 3.9999% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 4,415 |
| Loan loss allowance to noncurrent loans | 100.3623% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 4.0419% | 411 |
| Noncurrent loans to loans | 1.1214% | 2,594 |
| Net loans and leases to total assets | 66.3680% | 2,824 |
| Net loans and leases to deposits | 79.3081% | 2,807 |
| Net loans and leases to core deposits | 91.0739% | 2,183 |
| Total domestic deposits to total assets | 83.6838% | 3,850 |
| Equity capital to assets | 9.8297% | 4,312 |
| Core capital (leverage) ratio | 6.9976% | 6,312 |
| Tier 1 risk-based capital ratio | 9.0650% | 6,401 |
| Total risk-based capital ratio | 10.0787% | 6,416 |
| Memoranda: | ||
| Average total assets | $213,826,800 | 2,846 |
| Average earning assets | $176,031,000 | 3,088 |
| Average equity | $20,507,000 | 3,104 |
| Average total loans | $141,851,600 | 2,686 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,666 |
| Cost of funding earning assets | 0.8341% | 580 |
| Net interest margin | 3.4582% | 3,985 |
| Noninterest income to average assets | 0.5357% | 3,288 |
| Noninterest expense to average assets | 3.8853% | 866 |
| Loan and lease loss provision to assets | 0.1570% | 1,585 |
| Net operating income to assets | -0.3900% | 6,340 |
| Return on assets (ROA) | -0.3900% | 6,341 |
| Pretax return on assets | -0.6708% | 6,400 |
| Return on Equity (ROE) | -4.0933% | 6,345 |
| Retained earnings to average equity (ytd only) | -4.0933% | 6,216 |
| Net charge-offs to loans | 0.7208% | 478 |
| Credit loss provision to net charge-offs | 32.9381% | 3,412 |
| Earnings coverage of net charge-offs (x) | -1.0777% | 4,531 |
| Efficiency ratio | 115.2385% | 167 |
| Assets per employee ($millions) | 3.8043% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 4,859 |
| Loan loss allowance to noncurrent loans | 61.9161% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 4.7872% | 371 |
| Noncurrent loans to loans | 1.7350% | 1,866 |
| Net loans and leases to total assets | 65.2724% | 2,987 |
| Net loans and leases to deposits | 76.4104% | 3,136 |
| Net loans and leases to core deposits | 87.9745% | 2,438 |
| Total domestic deposits to total assets | 85.4235% | 3,145 |
| Equity capital to assets | 9.0551% | 5,296 |
| Core capital (leverage) ratio | 6.4010% | 6,443 |
| Tier 1 risk-based capital ratio | 8.3419% | 6,502 |
| Total risk-based capital ratio | 9.3019% | 6,509 |
| Memoranda: | ||
| Average total assets | $212,284,500 | 2,882 |
| Average earning assets | $174,072,750 | 3,136 |
| Average equity | $20,227,500 | 3,145 |
| Average total loans | $140,397,250 | 2,724 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 2,785 |
| Cost of funding earning assets | 0.8278% | 615 |
| Net interest margin | 3.4177% | 4,107 |
| Noninterest income to average assets | 0.5757% | 2,954 |
| Noninterest expense to average assets | 3.8540% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2749% | 6,358 |
| Return on assets (ROA) | -0.2749% | 6,368 |
| Pretax return on assets | -0.4878% | 6,418 |
| Return on Equity (ROE) | -2.8360% | 6,371 |
| Retained earnings to average equity (ytd only) | -2.8360% | 6,083 |
| Net charge-offs to loans | 0.0274% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -26.8947% | 4,343 |
| Efficiency ratio | 114.4923% | 189 |
| Assets per employee ($millions) | 4.1552% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,128 |
| Loan loss allowance to noncurrent loans | 53.2383% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 6.0893% | 238 |
| Noncurrent loans to loans | 2.7171% | 1,118 |
| Net loans and leases to total assets | 64.7969% | 2,946 |
| Net loans and leases to deposits | 76.2485% | 3,023 |
| Net loans and leases to core deposits | 88.1367% | 2,302 |
| Total domestic deposits to total assets | 84.9812% | 3,521 |
| Equity capital to assets | 9.4150% | 4,827 |
| Core capital (leverage) ratio | 6.8729% | 6,448 |
| Tier 1 risk-based capital ratio | 8.7563% | 6,550 |
| Total risk-based capital ratio | 10.0056% | 6,551 |
| Memoranda: | ||
| Average total assets | $209,496,330 | 2,920 |
| Average earning assets | $171,048,330 | 3,189 |
| Average equity | $20,310,000 | 3,137 |
| Average total loans | $138,667,330 | 2,752 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 2,452 |
| Cost of funding earning assets | 0.8219% | 661 |
| Net interest margin | 3.4971% | 3,708 |
| Noninterest income to average assets | 0.7138% | 2,107 |
| Noninterest expense to average assets | 3.8330% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1397% | 6,310 |
| Return on assets (ROA) | -0.1397% | 6,318 |
| Pretax return on assets | -0.2716% | 6,376 |
| Return on Equity (ROE) | -1.4192% | 6,323 |
| Retained earnings to average equity (ytd only) | -1.4192% | 5,784 |
| Net charge-offs to loans | 0.0204% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 3,617 |
| Efficiency ratio | 107.6253% | 301 |
| Assets per employee ($millions) | 4.0300% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 3,226 |
| Loan loss allowance to noncurrent loans | 71.6713% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 5.7348% | 314 |
| Noncurrent loans to loans | 2.0664% | 1,793 |
| Net loans and leases to total assets | 64.3746% | 2,831 |
| Net loans and leases to deposits | 75.9992% | 2,811 |
| Net loans and leases to core deposits | 85.8396% | 2,340 |
| Total domestic deposits to total assets | 84.7043% | 4,000 |
| Equity capital to assets | 9.5717% | 4,402 |
| Core capital (leverage) ratio | 7.2068% | 6,423 |
| Tier 1 risk-based capital ratio | 8.9329% | 6,600 |
| Total risk-based capital ratio | 10.1833% | 6,595 |
| Memoranda: | ||
| Average total assets | $206,210,000 | 2,982 |
| Average earning assets | $167,909,000 | 3,244 |
| Average equity | $20,293,500 | 3,136 |
| Average total loans | $136,970,500 | 2,781 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 3,161 |
| Cost of funding earning assets | 0.9331% | 630 |
| Net interest margin | 3.3138% | 4,611 |
| Noninterest income to average assets | 0.6912% | 2,589 |
| Noninterest expense to average assets | 4.0479% | 829 |
| Loan and lease loss provision to assets | 0.0040% | 5,037 |
| Net operating income to assets | -0.4037% | 6,459 |
| Return on assets (ROA) | -0.3072% | 6,437 |
| Pretax return on assets | -0.5444% | 6,500 |
| Return on Equity (ROE) | -3.1545% | 6,436 |
| Retained earnings to average equity (ytd only) | -3.1545% | 6,276 |
| Net charge-offs to loans | 0.5915% | 1,117 |
| Credit loss provision to net charge-offs | 1.0753% | 4,697 |
| Earnings coverage of net charge-offs (x) | -1.8481% | 5,315 |
| Efficiency ratio | 120.5931% | 173 |
| Assets per employee ($millions) | 4.0578% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 2,992 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 6.3763% | 288 |
| Noncurrent loans to loans | 2.0569% | 1,924 |
| Net loans and leases to total assets | 66.5409% | 2,605 |
| Net loans and leases to deposits | 79.0214% | 2,586 |
| Net loans and leases to core deposits | 84.1334% | 2,663 |
| Total domestic deposits to total assets | 84.2062% | 4,094 |
| Equity capital to assets | 10.1307% | 3,587 |
| Core capital (leverage) ratio | 7.3504% | 6,427 |
| Tier 1 risk-based capital ratio | 8.9381% | 6,665 |
| Total risk-based capital ratio | 10.1890% | 6,658 |
| Memoranda: | ||
| Average total assets | $198,916,600 | 3,046 |
| Average earning assets | $159,998,200 | 3,341 |
| Average equity | $19,369,400 | 3,237 |
| Average total loans | $125,791,600 | 2,918 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 3,399 |
| Cost of funding earning assets | 0.9533% | 633 |
| Net interest margin | 3.2425% | 4,856 |
| Noninterest income to average assets | 1.0717% | 1,277 |
| Noninterest expense to average assets | 4.0105% | 847 |
| Loan and lease loss provision to assets | 0.0054% | 4,862 |
| Net operating income to assets | -0.1810% | 6,455 |
| Return on assets (ROA) | -0.0523% | 6,377 |
| Pretax return on assets | -0.1354% | 6,429 |
| Return on Equity (ROE) | -0.5423% | 6,386 |
| Retained earnings to average equity (ytd only) | -0.5423% | 6,052 |
| Net charge-offs to loans | 0.5758% | 1,093 |
| Credit loss provision to net charge-offs | 1.4981% | 4,326 |
| Earnings coverage of net charge-offs (x) | -0.9251% | 5,004 |
| Efficiency ratio | 108.9982% | 283 |
| Assets per employee ($millions) | 3.9238% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,345 |
| Loan loss allowance to noncurrent loans | 67.9464% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 7.1034% | 280 |
| Noncurrent loans to loans | 2.6304% | 1,611 |
| Net loans and leases to total assets | 63.9465% | 3,007 |
| Net loans and leases to deposits | 75.6780% | 3,004 |
| Net loans and leases to core deposits | 78.9647% | 3,235 |
| Total domestic deposits to total assets | 84.4981% | 3,980 |
| Equity capital to assets | 10.5872% | 3,176 |
| Core capital (leverage) ratio | 8.1612% | 6,097 |
| Tier 1 risk-based capital ratio | 9.9262% | 6,612 |
| Total risk-based capital ratio | 11.1796% | 6,580 |
| Memoranda: | ||
| Average total assets | $198,938,000 | 3,070 |
| Average earning assets | $159,997,500 | 3,371 |
| Average equity | $19,176,000 | 3,295 |
| Average total loans | $123,645,250 | 2,982 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 3,620 |
| Cost of funding earning assets | 0.9711% | 638 |
| Net interest margin | 3.1601% | 5,087 |
| Noninterest income to average assets | 0.7766% | 2,295 |
| Noninterest expense to average assets | 3.9809% | 885 |
| Loan and lease loss provision to assets | 0.0080% | 4,694 |
| Net operating income to assets | -0.3863% | 6,597 |
| Return on assets (ROA) | -0.1941% | 6,520 |
| Pretax return on assets | -0.3623% | 6,579 |
| Return on Equity (ROE) | -2.0811% | 6,530 |
| Retained earnings to average equity (ytd only) | -2.0811% | 6,203 |
| Net charge-offs to loans | 0.8963% | 699 |
| Credit loss provision to net charge-offs | 1.4599% | 3,985 |
| Earnings coverage of net charge-offs (x) | -1.1934% | 4,726 |
| Efficiency ratio | 119.6751% | 184 |
| Assets per employee ($millions) | 3.9775% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 2,340 |
| Loan loss allowance to noncurrent loans | 71.2178% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 7.3366% | 315 |
| Noncurrent loans to loans | 2.5664% | 1,795 |
| Net loans and leases to total assets | 63.8349% | 2,941 |
| Net loans and leases to deposits | 74.0203% | 3,149 |
| Net loans and leases to core deposits | 76.5260% | 3,480 |
| Total domestic deposits to total assets | 86.2397% | 3,237 |
| Equity capital to assets | 10.7333% | 3,016 |
| Core capital (leverage) ratio | 8.0048% | 6,181 |
| Tier 1 risk-based capital ratio | 10.0717% | 6,615 |
| Total risk-based capital ratio | 11.3250% | 6,592 |
| Memoranda: | ||
| Average total assets | $199,854,330 | 3,074 |
| Average earning assets | $161,261,670 | 3,376 |
| Average equity | $18,644,330 | 3,379 |
| Average total loans | $122,280,670 | 3,017 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 3,506 |
| Cost of funding earning assets | 0.9872% | 660 |
| Net interest margin | 3.1640% | 5,047 |
| Noninterest income to average assets | 0.5619% | 3,359 |
| Noninterest expense to average assets | 3.9115% | 986 |
| Loan and lease loss provision to assets | 0.0157% | 4,263 |
| Net operating income to assets | -0.4640% | 6,658 |
| Return on assets (ROA) | -0.4640% | 6,686 |
| Pretax return on assets | -0.7929% | 6,755 |
| Return on Equity (ROE) | -5.3497% | 6,707 |
| Retained earnings to average equity (ytd only) | -5.3497% | 6,387 |
| Net charge-offs to loans | 0.3263% | 1,662 |
| Credit loss provision to net charge-offs | 8.0808% | 3,165 |
| Earnings coverage of net charge-offs (x) | -4.0101% | 4,060 |
| Efficiency ratio | 124.7970% | 182 |
| Assets per employee ($millions) | 4.1328% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2928% | 1,421 |
| Loan loss allowance to noncurrent loans | 56.0759% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 7.0550% | 394 |
| Noncurrent loans to loans | 4.0887% | 1,087 |
| Net loans and leases to total assets | 57.1970% | 3,885 |
| Net loans and leases to deposits | 65.0637% | 4,174 |
| Net loans and leases to core deposits | 67.5825% | 4,350 |
| Total domestic deposits to total assets | 87.9092% | 2,377 |
| Equity capital to assets | 8.6727% | 5,838 |
| Core capital (leverage) ratio | 6.0054% | 6,804 |
| Tier 1 risk-based capital ratio | 8.4097% | 6,844 |
| Total risk-based capital ratio | 9.6681% | 6,846 |
| Memoranda: | ||
| Average total assets | $204,322,000 | 3,046 |
| Average earning assets | $166,120,000 | 3,342 |
| Average equity | $17,720,500 | 3,560 |
| Average total loans | $121,350,000 | 3,059 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 3,675 |
| Cost of funding earning assets | 1.1462% | 749 |
| Net interest margin | 3.2897% | 5,281 |
| Noninterest income to average assets | 1.2514% | 996 |
| Noninterest expense to average assets | 4.2259% | 745 |
| Loan and lease loss provision to assets | 0.4866% | 1,251 |
| Net operating income to assets | -0.4432% | 6,542 |
| Return on assets (ROA) | -0.3866% | 6,551 |
| Pretax return on assets | -0.6783% | 6,652 |
| Return on Equity (ROE) | -4.4098% | 6,573 |
| Retained earnings to average equity (ytd only) | -4.4098% | 6,394 |
| Net charge-offs to loans | 1.3570% | 694 |
| Credit loss provision to net charge-offs | 57.1273% | 4,525 |
| Earnings coverage of net charge-offs (x) | -0.3288% | 5,624 |
| Efficiency ratio | 107.0974% | 388 |
| Assets per employee ($millions) | 4.3859% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 1,432 |
| Loan loss allowance to noncurrent loans | 48.6159% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 6.8416% | 457 |
| Noncurrent loans to loans | 4.6555% | 898 |
| Net loans and leases to total assets | 58.8658% | 3,825 |
| Net loans and leases to deposits | 67.0752% | 4,125 |
| Net loans and leases to core deposits | 69.8140% | 4,339 |
| Total domestic deposits to total assets | 87.7609% | 2,371 |
| Equity capital to assets | 8.6730% | 5,878 |
| Core capital (leverage) ratio | 6.0076% | 6,856 |
| Tier 1 risk-based capital ratio | 8.4395% | 6,892 |
| Total risk-based capital ratio | 9.7248% | 6,894 |
| Memoranda: | ||
| Average total assets | $214,959,600 | 2,886 |
| Average earning assets | $176,065,000 | 3,146 |
| Average equity | $18,844,400 | 3,351 |
| Average total loans | $134,933,200 | 2,793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 3,332 |
| Cost of funding earning assets | 1.1689% | 800 |
| Net interest margin | 3.4013% | 5,030 |
| Noninterest income to average assets | 1.5453% | 624 |
| Noninterest expense to average assets | 4.1890% | 729 |
| Loan and lease loss provision to assets | 0.5348% | 1,106 |
| Net operating income to assets | -0.2065% | 6,506 |
| Return on assets (ROA) | -0.1369% | 6,524 |
| Pretax return on assets | -0.2794% | 6,590 |
| Return on Equity (ROE) | -1.5578% | 6,535 |
| Retained earnings to average equity (ytd only) | -1.5578% | 6,341 |
| Net charge-offs to loans | 1.1780% | 849 |
| Credit loss provision to net charge-offs | 71.6283% | 3,863 |
| Earnings coverage of net charge-offs (x) | 0.1965% | 5,225 |
| Efficiency ratio | 96.6157% | 654 |
| Assets per employee ($millions) | 4.8136% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6964% | 984 |
| Loan loss allowance to noncurrent loans | 77.5471% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 6.3517% | 611 |
| Noncurrent loans to loans | 3.4771% | 1,561 |
| Net loans and leases to total assets | 55.3739% | 4,541 |
| Net loans and leases to deposits | 63.3173% | 4,796 |
| Net loans and leases to core deposits | 66.2169% | 4,933 |
| Total domestic deposits to total assets | 87.4547% | 2,378 |
| Equity capital to assets | 8.7767% | 6,037 |
| Core capital (leverage) ratio | 6.3303% | 6,909 |
| Tier 1 risk-based capital ratio | 9.2110% | 6,924 |
| Total risk-based capital ratio | 10.4732% | 6,925 |
| Memoranda: | ||
| Average total assets | $217,165,750 | 2,890 |
| Average earning assets | $178,164,250 | 3,158 |
| Average equity | $19,086,000 | 3,344 |
| Average total loans | $137,628,250 | 2,782 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 2,488 |
| Cost of funding earning assets | 1.1803% | 894 |
| Net interest margin | 3.6252% | 4,165 |
| Noninterest income to average assets | 2.1548% | 362 |
| Noninterest expense to average assets | 4.1013% | 836 |
| Loan and lease loss provision to assets | 0.7956% | 631 |
| Net operating income to assets | 0.1788% | 5,982 |
| Return on assets (ROA) | 0.2302% | 6,015 |
| Pretax return on assets | 0.3087% | 5,950 |
| Return on Equity (ROE) | 2.6180% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.6180% | 4,873 |
| Net charge-offs to loans | 1.1889% | 912 |
| Credit loss provision to net charge-offs | 102.2300% | 2,661 |
| Earnings coverage of net charge-offs (x) | 1.3310% | 4,337 |
| Efficiency ratio | 79.8364% | 2,210 |
| Assets per employee ($millions) | 4.9321% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7598% | 980 |
| Loan loss allowance to noncurrent loans | 42.9063% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 8.0691% | 422 |
| Noncurrent loans to loans | 6.4322% | 656 |
| Net loans and leases to total assets | 58.6774% | 4,047 |
| Net loans and leases to deposits | 67.8924% | 4,220 |
| Net loans and leases to core deposits | 70.8577% | 4,431 |
| Total domestic deposits to total assets | 86.4270% | 3,120 |
| Equity capital to assets | 8.7931% | 5,920 |
| Core capital (leverage) ratio | 6.5131% | 6,925 |
| Tier 1 risk-based capital ratio | 9.2201% | 6,955 |
| Total risk-based capital ratio | 10.4837% | 6,955 |
| Memoranda: | ||
| Average total assets | $218,954,330 | 2,881 |
| Average earning assets | $180,126,670 | 3,127 |
| Average equity | $19,251,670 | 3,316 |
| Average total loans | $143,327,000 | 2,717 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 2,414 |
| Cost of funding earning assets | 1.1897% | 1,031 |
| Net interest margin | 3.6667% | 3,976 |
| Noninterest income to average assets | 4.1050% | 163 |
| Noninterest expense to average assets | 4.1250% | 803 |
| Loan and lease loss provision to assets | 0.6820% | 778 |
| Net operating income to assets | 1.4550% | 1,111 |
| Return on assets (ROA) | 1.5423% | 1,072 |
| Pretax return on assets | 2.4445% | 361 |
| Return on Equity (ROE) | 17.5420% | 601 |
| Retained earnings to average equity (ytd only) | 17.5420% | 282 |
| Net charge-offs to loans | 0.7544% | 1,355 |
| Credit loss provision to net charge-offs | 132.9787% | 1,836 |
| Earnings coverage of net charge-offs (x) | 5.8298% | 2,297 |
| Efficiency ratio | 57.9755% | 5,920 |
| Assets per employee ($millions) | 5.0183% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 1,420 |
| Loan loss allowance to noncurrent loans | 31.8343% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 8.6452% | 420 |
| Noncurrent loans to loans | 7.7097% | 524 |
| Net loans and leases to total assets | 66.3830% | 2,392 |
| Net loans and leases to deposits | 76.9506% | 2,681 |
| Net loans and leases to core deposits | 80.9612% | 2,952 |
| Total domestic deposits to total assets | 86.2671% | 3,377 |
| Equity capital to assets | 8.9060% | 5,632 |
| Core capital (leverage) ratio | 7.1155% | 6,795 |
| Tier 1 risk-based capital ratio | 8.7029% | 7,061 |
| Total risk-based capital ratio | 9.9631% | 7,065 |
| Memoranda: | ||
| Average total assets | $219,925,500 | 2,893 |
| Average earning assets | $180,542,500 | 3,137 |
| Average equity | $19,336,500 | 3,303 |
| Average total loans | $149,515,000 | 2,642 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 1,567 |
| Cost of funding earning assets | 1.3982% | 1,049 |
| Net interest margin | 3.9498% | 3,104 |
| Noninterest income to average assets | 0.3456% | 5,041 |
| Noninterest expense to average assets | 3.7096% | 1,524 |
| Loan and lease loss provision to assets | 1.7182% | 393 |
| Net operating income to assets | -1.0671% | 6,770 |
| Return on assets (ROA) | -1.0928% | 6,806 |
| Pretax return on assets | -1.8423% | 6,989 |
| Return on Equity (ROE) | -11.9963% | 6,799 |
| Retained earnings to average equity (ytd only) | -11.9963% | 6,769 |
| Net charge-offs to loans | 3.0440% | 314 |
| Credit loss provision to net charge-offs | 80.4998% | 4,426 |
| Earnings coverage of net charge-offs (x) | -0.0393% | 5,855 |
| Efficiency ratio | 102.3136% | 614 |
| Assets per employee ($millions) | 4.2950% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4166% | 1,436 |
| Loan loss allowance to noncurrent loans | 29.0999% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 9.2643% | 384 |
| Noncurrent loans to loans | 8.3044% | 470 |
| Net loans and leases to total assets | 66.2738% | 2,734 |
| Net loans and leases to deposits | 76.2980% | 3,132 |
| Net loans and leases to core deposits | 80.7572% | 3,353 |
| Total domestic deposits to total assets | 86.8617% | 2,838 |
| Equity capital to assets | 8.6776% | 5,922 |
| Core capital (leverage) ratio | 7.6019% | 6,602 |
| Tier 1 risk-based capital ratio | 9.1506% | 7,014 |
| Total risk-based capital ratio | 10.4101% | 7,014 |
| Memoranda: | ||
| Average total assets | $219,351,200 | 2,844 |
| Average earning assets | $182,159,000 | 3,061 |
| Average equity | $19,981,200 | 3,151 |
| Average total loans | $153,813,000 | 2,587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4609% | 1,364 |
| Cost of funding earning assets | 1.4255% | 1,128 |
| Net interest margin | 4.0354% | 2,751 |
| Noninterest income to average assets | 0.0930% | 6,783 |
| Noninterest expense to average assets | 3.5194% | 1,891 |
| Loan and lease loss provision to assets | 1.7001% | 363 |
| Net operating income to assets | -1.0505% | 6,904 |
| Return on assets (ROA) | -1.0135% | 6,918 |
| Pretax return on assets | -1.7129% | 7,064 |
| Return on Equity (ROE) | -10.9963% | 6,922 |
| Retained earnings to average equity (ytd only) | -10.9963% | 6,889 |
| Net charge-offs to loans | 2.7917% | 360 |
| Credit loss provision to net charge-offs | 86.1719% | 3,918 |
| Earnings coverage of net charge-offs (x) | -0.0357% | 5,625 |
| Efficiency ratio | 102.0437% | 607 |
| Assets per employee ($millions) | 4.5985% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7585% | 1,069 |
| Loan loss allowance to noncurrent loans | 35.0730% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 8.6253% | 473 |
| Noncurrent loans to loans | 7.8650% | 567 |
| Net loans and leases to total assets | 66.2038% | 2,855 |
| Net loans and leases to deposits | 74.8351% | 3,538 |
| Net loans and leases to core deposits | 79.4213% | 3,719 |
| Total domestic deposits to total assets | 88.4663% | 1,776 |
| Equity capital to assets | 9.0639% | 5,671 |
| Core capital (leverage) ratio | 7.8899% | 6,493 |
| Tier 1 risk-based capital ratio | 9.8063% | 7,004 |
| Total risk-based capital ratio | 11.0700% | 6,994 |
| Memoranda: | ||
| Average total assets | $219,427,500 | 2,846 |
| Average earning assets | $182,482,000 | 3,073 |
| Average equity | $20,224,500 | 3,112 |
| Average total loans | $155,075,000 | 2,590 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 1,438 |
| Cost of funding earning assets | 1.4308% | 1,274 |
| Net interest margin | 4.0116% | 2,783 |
| Noninterest income to average assets | -0.2585% | 7,366 |
| Noninterest expense to average assets | 3.4799% | 2,033 |
| Loan and lease loss provision to assets | 2.2220% | 255 |
| Net operating income to assets | -1.5699% | 7,115 |
| Return on assets (ROA) | -1.5699% | 7,128 |
| Pretax return on assets | -2.6165% | 7,266 |
| Return on Equity (ROE) | -16.9407% | 7,108 |
| Retained earnings to average equity (ytd only) | -16.9407% | 7,090 |
| Net charge-offs to loans | 3.2717% | 293 |
| Credit loss provision to net charge-offs | 94.9612% | 3,310 |
| Earnings coverage of net charge-offs (x) | -0.1686% | 5,386 |
| Efficiency ratio | 112.7866% | 428 |
| Assets per employee ($millions) | 4.3986% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9139% | 969 |
| Loan loss allowance to noncurrent loans | 31.2268% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 9.2112% | 453 |
| Noncurrent loans to loans | 9.3315% | 439 |
| Net loans and leases to total assets | 67.6778% | 2,676 |
| Net loans and leases to deposits | 76.5391% | 3,369 |
| Net loans and leases to core deposits | 81.2814% | 3,611 |
| Total domestic deposits to total assets | 88.4225% | 1,908 |
| Equity capital to assets | 9.0451% | 5,512 |
| Core capital (leverage) ratio | 7.8464% | 6,462 |
| Tier 1 risk-based capital ratio | 9.8201% | 7,026 |
| Total risk-based capital ratio | 11.0859% | 7,022 |
| Memoranda: | ||
| Average total assets | $220,526,330 | 2,856 |
| Average earning assets | $183,817,330 | 3,077 |
| Average equity | $20,436,000 | 3,071 |
| Average total loans | $157,718,000 | 2,570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6023% | 1,050 |
| Cost of funding earning assets | 1.4203% | 1,507 |
| Net interest margin | 4.1821% | 1,957 |
| Noninterest income to average assets | -0.0448% | 7,349 |
| Noninterest expense to average assets | 3.3790% | 2,332 |
| Loan and lease loss provision to assets | 0.5381% | 1,616 |
| Net operating income to assets | -0.2708% | 6,631 |
| Return on assets (ROA) | -0.2708% | 6,645 |
| Pretax return on assets | -0.4394% | 6,724 |
| Return on Equity (ROE) | -2.8891% | 6,654 |
| Retained earnings to average equity (ytd only) | -2.8891% | 6,275 |
| Net charge-offs to loans | 0.1239% | 3,785 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 1.1000% | 3,841 |
| Efficiency ratio | 97.1635% | 869 |
| Assets per employee ($millions) | 4.3753% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0016% | 916 |
| Loan loss allowance to noncurrent loans | 43.1956% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 6.9356% | 777 |
| Noncurrent loans to loans | 6.9489% | 802 |
| Net loans and leases to total assets | 68.9056% | 2,350 |
| Net loans and leases to deposits | 78.0971% | 3,043 |
| Net loans and leases to core deposits | 83.1055% | 3,293 |
| Total domestic deposits to total assets | 88.2307% | 2,239 |
| Equity capital to assets | 9.3591% | 4,638 |
| Core capital (leverage) ratio | 8.6470% | 5,177 |
| Tier 1 risk-based capital ratio | 10.6965% | 6,688 |
| Total risk-based capital ratio | 11.9642% | 6,669 |
| Memoranda: | ||
| Average total assets | $223,024,500 | 2,848 |
| Average earning assets | $187,850,000 | 3,043 |
| Average equity | $20,906,500 | 2,993 |
| Average total loans | $161,455,000 | 2,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9680% | 908 |
| Cost of funding earning assets | 1.8757% | 924 |
| Net interest margin | 4.0923% | 2,602 |
| Noninterest income to average assets | 0.3207% | 5,494 |
| Noninterest expense to average assets | 3.2754% | 2,815 |
| Loan and lease loss provision to assets | 0.6954% | 2,357 |
| Net operating income to assets | -0.0447% | 5,922 |
| Return on assets (ROA) | -0.0485% | 6,012 |
| Pretax return on assets | -0.1816% | 6,070 |
| Return on Equity (ROE) | -0.5548% | 6,020 |
| Retained earnings to average equity (ytd only) | -0.5548% | 5,717 |
| Net charge-offs to loans | 1.1557% | 1,932 |
| Credit loss provision to net charge-offs | 81.8595% | 5,491 |
| Earnings coverage of net charge-offs (x) | 0.6119% | 5,491 |
| Efficiency ratio | 86.3025% | 1,661 |
| Assets per employee ($millions) | 4.6439% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7422% | 1,123 |
| Loan loss allowance to noncurrent loans | 70.6694% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 4.9971% | 1,279 |
| Noncurrent loans to loans | 3.8803% | 1,891 |
| Net loans and leases to total assets | 71.7279% | 2,160 |
| Net loans and leases to deposits | 81.0803% | 2,973 |
| Net loans and leases to core deposits | 85.9410% | 3,326 |
| Total domestic deposits to total assets | 88.4652% | 1,968 |
| Equity capital to assets | 9.3890% | 4,560 |
| Core capital (leverage) ratio | 8.1623% | 5,891 |
| Tier 1 risk-based capital ratio | 10.1494% | 6,907 |
| Total risk-based capital ratio | 11.4144% | 6,873 |
| Memoranda: | ||
| Average total assets | $232,950,400 | 2,708 |
| Average earning assets | $197,788,400 | 2,906 |
| Average equity | $20,368,200 | 3,095 |
| Average total loans | $171,239,000 | 2,453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9488% | 1,036 |
| Cost of funding earning assets | 1.9360% | 912 |
| Net interest margin | 4.0128% | 3,042 |
| Noninterest income to average assets | 0.3137% | 5,642 |
| Noninterest expense to average assets | 3.2661% | 2,685 |
| Loan and lease loss provision to assets | 0.6880% | 2,221 |
| Net operating income to assets | -0.0810% | 6,162 |
| Return on assets (ROA) | -0.0849% | 6,260 |
| Pretax return on assets | -0.2407% | 6,353 |
| Return on Equity (ROE) | -0.9887% | 6,277 |
| Retained earnings to average equity (ytd only) | -0.9887% | 6,015 |
| Net charge-offs to loans | 1.1425% | 1,785 |
| Credit loss provision to net charge-offs | 81.9838% | 5,074 |
| Earnings coverage of net charge-offs (x) | 0.5405% | 5,485 |
| Efficiency ratio | 87.8064% | 1,467 |
| Assets per employee ($millions) | 4.7225% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7187% | 1,062 |
| Loan loss allowance to noncurrent loans | 60.9514% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 5.1443% | 1,240 |
| Noncurrent loans to loans | 4.4605% | 1,626 |
| Net loans and leases to total assets | 71.1305% | 2,455 |
| Net loans and leases to deposits | 80.9571% | 3,274 |
| Net loans and leases to core deposits | 86.0481% | 3,646 |
| Total domestic deposits to total assets | 87.8619% | 2,043 |
| Equity capital to assets | 8.8266% | 5,811 |
| Core capital (leverage) ratio | 7.5486% | 6,818 |
| Tier 1 risk-based capital ratio | 9.4116% | 7,274 |
| Total risk-based capital ratio | 10.6767% | 7,273 |
| Memoranda: | ||
| Average total assets | $235,460,750 | 2,721 |
| Average earning assets | $199,856,500 | 2,922 |
| Average equity | $20,228,000 | 3,159 |
| Average total loans | $172,949,750 | 2,476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9706% | 1,014 |
| Cost of funding earning assets | 1.9713% | 982 |
| Net interest margin | 3.9993% | 3,016 |
| Noninterest income to average assets | 0.2914% | 5,817 |
| Noninterest expense to average assets | 3.2380% | 2,770 |
| Loan and lease loss provision to assets | 0.6841% | 2,117 |
| Net operating income to assets | -0.0835% | 6,204 |
| Return on assets (ROA) | -0.1149% | 6,322 |
| Pretax return on assets | -0.2888% | 6,418 |
| Return on Equity (ROE) | -1.3491% | 6,362 |
| Retained earnings to average equity (ytd only) | -1.3491% | 6,040 |
| Net charge-offs to loans | 1.1917% | 1,594 |
| Credit loss provision to net charge-offs | 78.0347% | 4,762 |
| Earnings coverage of net charge-offs (x) | 0.5067% | 5,222 |
| Efficiency ratio | 87.9358% | 1,510 |
| Assets per employee ($millions) | 4.6374% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7099% | 1,083 |
| Loan loss allowance to noncurrent loans | 161.8632% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 3.1568% | 2,245 |
| Noncurrent loans to loans | 1.6742% | 4,179 |
| Net loans and leases to total assets | 70.4192% | 2,811 |
| Net loans and leases to deposits | 80.0287% | 3,596 |
| Net loans and leases to core deposits | 88.4989% | 3,483 |
| Total domestic deposits to total assets | 87.9924% | 2,010 |
| Equity capital to assets | 8.5054% | 6,158 |
| Core capital (leverage) ratio | 7.3708% | 6,940 |
| Tier 1 risk-based capital ratio | 9.0784% | 7,398 |
| Total risk-based capital ratio | 10.3432% | 7,400 |
| Memoranda: | ||
| Average total assets | $236,813,330 | 2,734 |
| Average earning assets | $200,783,000 | 2,939 |
| Average equity | $20,162,330 | 3,154 |
| Average total loans | $174,200,330 | 2,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0770% | 819 |
| Cost of funding earning assets | 2.0370% | 988 |
| Net interest margin | 4.0400% | 2,699 |
| Noninterest income to average assets | 0.3781% | 5,112 |
| Noninterest expense to average assets | 3.0232% | 3,587 |
| Loan and lease loss provision to assets | 0.6836% | 1,862 |
| Net operating income to assets | 0.1132% | 5,989 |
| Return on assets (ROA) | 0.0625% | 6,231 |
| Pretax return on assets | -0.0034% | 6,360 |
| Return on Equity (ROE) | 0.7332% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.7332% | 5,533 |
| Net charge-offs to loans | 1.6527% | 1,049 |
| Credit loss provision to net charge-offs | 55.7851% | 4,387 |
| Earnings coverage of net charge-offs (x) | 0.6198% | 4,472 |
| Efficiency ratio | 79.9197% | 2,575 |
| Assets per employee ($millions) | 4.6639% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6343% | 1,140 |
| Loan loss allowance to noncurrent loans | 229.9444% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 3.2019% | 2,243 |
| Noncurrent loans to loans | 1.1456% | 5,082 |
| Net loans and leases to total assets | 70.6392% | 2,772 |
| Net loans and leases to deposits | 81.2380% | 3,417 |
| Net loans and leases to core deposits | 89.6070% | 3,416 |
| Total domestic deposits to total assets | 86.9533% | 2,650 |
| Equity capital to assets | 8.5016% | 5,999 |
| Core capital (leverage) ratio | 7.4364% | 6,906 |
| Tier 1 risk-based capital ratio | 8.9956% | 7,475 |
| Total risk-based capital ratio | 10.2590% | 7,486 |
| Memoranda: | ||
| Average total assets | $236,966,000 | 2,795 |
| Average earning assets | $199,704,000 | 3,006 |
| Average equity | $20,185,500 | 3,179 |
| Average total loans | $175,707,500 | 2,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1522% | 1,369 |
| Cost of funding earning assets | 2.7024% | 590 |
| Net interest margin | 3.4497% | 5,170 |
| Noninterest income to average assets | 0.4646% | 4,684 |
| Noninterest expense to average assets | 3.3108% | 2,978 |
| Loan and lease loss provision to assets | 2.3775% | 853 |
| Net operating income to assets | -1.3431% | 6,790 |
| Return on assets (ROA) | -1.3165% | 6,776 |
| Pretax return on assets | -2.2151% | 7,026 |
| Return on Equity (ROE) | -15.8155% | 6,976 |
| Retained earnings to average equity (ytd only) | -15.8155% | 6,928 |
| Net charge-offs to loans | 2.0731% | 1,182 |
| Credit loss provision to net charge-offs | 151.5541% | 3,041 |
| Earnings coverage of net charge-offs (x) | 0.0771% | 6,084 |
| Efficiency ratio | 92.9310% | 1,487 |
| Assets per employee ($millions) | 4.5398% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7213% | 998 |
| Loan loss allowance to noncurrent loans | 138.9381% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 3.0999% | 2,239 |
| Noncurrent loans to loans | 1.9587% | 3,718 |
| Net loans and leases to total assets | 73.6977% | 2,337 |
| Net loans and leases to deposits | 84.8008% | 3,120 |
| Net loans and leases to core deposits | 97.8460% | 4,237 |
| Total domestic deposits to total assets | 86.9069% | 2,562 |
| Equity capital to assets | 8.5351% | 5,833 |
| Core capital (leverage) ratio | 7.3904% | 6,900 |
| Tier 1 risk-based capital ratio | 8.7715% | 7,544 |
| Total risk-based capital ratio | 10.0368% | 7,573 |
| Memoranda: | ||
| Average total assets | $248,158,600 | 2,628 |
| Average earning assets | $213,436,600 | 2,786 |
| Average equity | $20,657,000 | 3,114 |
| Average total loans | $187,787,400 | 2,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0739% | 1,747 |
| Cost of funding earning assets | 2.8018% | 592 |
| Net interest margin | 3.2721% | 5,741 |
| Noninterest income to average assets | 0.4740% | 4,717 |
| Noninterest expense to average assets | 3.3574% | 2,698 |
| Loan and lease loss provision to assets | 2.9726% | 502 |
| Net operating income to assets | -1.8175% | 7,242 |
| Return on assets (ROA) | -1.7676% | 7,224 |
| Pretax return on assets | -2.9375% | 7,482 |
| Return on Equity (ROE) | -21.3621% | 7,420 |
| Retained earnings to average equity (ytd only) | -21.3621% | 7,387 |
| Net charge-offs to loans | 1.2461% | 1,639 |
| Credit loss provision to net charge-offs | 315.3153% | 1,306 |
| Earnings coverage of net charge-offs (x) | -0.0456% | 6,123 |
| Efficiency ratio | 96.4606% | 1,254 |
| Assets per employee ($millions) | 4.5887% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6344% | 376 |
| Loan loss allowance to noncurrent loans | 104.2746% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 3.9919% | 1,607 |
| Noncurrent loans to loans | 3.4854% | 2,144 |
| Net loans and leases to total assets | 74.2739% | 2,451 |
| Net loans and leases to deposits | 86.3333% | 3,251 |
| Net loans and leases to core deposits | 100.3090% | 4,336 |
| Total domestic deposits to total assets | 86.0316% | 2,697 |
| Equity capital to assets | 8.4209% | 6,360 |
| Core capital (leverage) ratio | 8.1728% | 6,064 |
| Tier 1 risk-based capital ratio | 9.3563% | 7,460 |
| Total risk-based capital ratio | 10.6303% | 7,421 |
| Memoranda: | ||
| Average total assets | $251,180,500 | 2,615 |
| Average earning assets | $218,042,250 | 2,746 |
| Average equity | $20,784,000 | 3,127 |
| Average total loans | $190,022,750 | 2,427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0129% | 2,135 |
| Cost of funding earning assets | 2.8919% | 622 |
| Net interest margin | 3.1210% | 6,179 |
| Noninterest income to average assets | 0.4574% | 4,802 |
| Noninterest expense to average assets | 3.1734% | 3,417 |
| Loan and lease loss provision to assets | 2.5453% | 608 |
| Net operating income to assets | -1.5226% | 7,260 |
| Return on assets (ROA) | -1.4489% | 7,225 |
| Pretax return on assets | -2.4255% | 7,404 |
| Return on Equity (ROE) | -17.6070% | 7,445 |
| Retained earnings to average equity (ytd only) | -17.6070% | 7,380 |
| Net charge-offs to loans | 1.5245% | 1,246 |
| Credit loss provision to net charge-offs | 221.9945% | 2,066 |
| Earnings coverage of net charge-offs (x) | 0.0041% | 5,686 |
| Efficiency ratio | 99.8521% | 1,184 |
| Assets per employee ($millions) | 4.8803% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 939 |
| Loan loss allowance to noncurrent loans | 69.1266% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 3.7947% | 1,602 |
| Noncurrent loans to loans | 3.5521% | 1,970 |
| Net loans and leases to total assets | 72.7287% | 3,022 |
| Net loans and leases to deposits | 83.9992% | 3,876 |
| Net loans and leases to core deposits | 95.3810% | 4,969 |
| Total domestic deposits to total assets | 86.5827% | 2,464 |
| Equity capital to assets | 8.4275% | 6,155 |
| Core capital (leverage) ratio | 8.0239% | 6,282 |
| Tier 1 risk-based capital ratio | 9.4768% | 7,407 |
| Total risk-based capital ratio | 10.7376% | 7,355 |
| Memoranda: | ||
| Average total assets | $255,370,670 | 2,580 |
| Average earning assets | $222,621,330 | 2,715 |
| Average equity | $21,014,330 | 3,098 |
| Average total loans | $192,060,670 | 2,435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 2,422 |
| Cost of funding earning assets | 2.9313% | 714 |
| Net interest margin | 3.0529% | 6,329 |
| Noninterest income to average assets | 0.5122% | 4,208 |
| Noninterest expense to average assets | 2.9793% | 3,851 |
| Loan and lease loss provision to assets | 3.2791% | 325 |
| Net operating income to assets | -1.8510% | 7,613 |
| Return on assets (ROA) | -2.1049% | 7,685 |
| Pretax return on assets | -3.4758% | 7,836 |
| Return on Equity (ROE) | -25.8882% | 7,856 |
| Retained earnings to average equity (ytd only) | -25.8882% | 7,787 |
| Net charge-offs to loans | 0.2336% | 3,239 |
| Credit loss provision to net charge-offs | 1,858.4071% | 346 |
| Earnings coverage of net charge-offs (x) | 1.1327% | 4,185 |
| Efficiency ratio | 93.7132% | 1,453 |
| Assets per employee ($millions) | 4.9032% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4960% | 768 |
| Loan loss allowance to noncurrent loans | 58.8442% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.9135% | 1,332 |
| Noncurrent loans to loans | 4.2417% | 1,389 |
| Net loans and leases to total assets | 72.8603% | 3,038 |
| Net loans and leases to deposits | 83.8754% | 4,003 |
| Net loans and leases to core deposits | 96.0946% | 4,958 |
| Total domestic deposits to total assets | 86.8673% | 2,286 |
| Equity capital to assets | 7.8812% | 6,970 |
| Core capital (leverage) ratio | 7.8235% | 6,717 |
| Tier 1 risk-based capital ratio | 9.0910% | 7,738 |
| Total risk-based capital ratio | 10.3528% | 7,745 |
| Memoranda: | ||
| Average total assets | $256,168,000 | 2,578 |
| Average earning assets | $223,790,500 | 2,719 |
| Average equity | $20,828,000 | 3,136 |
| Average total loans | $193,484,000 | 2,437 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5621% | 2,659 |
| Cost of funding earning assets | 3.2346% | 1,086 |
| Net interest margin | 3.3275% | 5,935 |
| Noninterest income to average assets | 0.5541% | 4,197 |
| Noninterest expense to average assets | 3.2943% | 2,981 |
| Loan and lease loss provision to assets | 1.2516% | 1,143 |
| Net operating income to assets | -0.6050% | 7,007 |
| Return on assets (ROA) | -0.9470% | 7,139 |
| Pretax return on assets | -1.6400% | 7,315 |
| Return on Equity (ROE) | -10.3708% | 7,305 |
| Retained earnings to average equity (ytd only) | -10.3708% | 7,102 |
| Net charge-offs to loans | 1.3241% | 894 |
| Credit loss provision to net charge-offs | 127.7801% | 4,176 |
| Earnings coverage of net charge-offs (x) | 0.1490% | 6,160 |
| Efficiency ratio | 95.7587% | 1,173 |
| Assets per employee ($millions) | 4.2791% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 2,776 |
| Loan loss allowance to noncurrent loans | 53.6888% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.7330% | 1,731 |
| Noncurrent loans to loans | 2.7633% | 1,963 |
| Net loans and leases to total assets | 75.2256% | 2,826 |
| Net loans and leases to deposits | 89.8446% | 3,479 |
| Net loans and leases to core deposits | 110.4771% | 3,732 |
| Total domestic deposits to total assets | 83.7285% | 3,471 |
| Equity capital to assets | 8.3873% | 6,279 |
| Core capital (leverage) ratio | 8.4339% | 5,692 |
| Tier 1 risk-based capital ratio | 9.5070% | 7,298 |
| Total risk-based capital ratio | 10.7582% | 7,220 |
| Memoranda: | ||
| Average total assets | $243,297,400 | 2,624 |
| Average earning assets | $211,029,800 | 2,762 |
| Average equity | $22,216,200 | 2,949 |
| Average total loans | $179,964,600 | 2,499 |