Home > Prime Alliance Bank > Performance and Condition Ratios
Prime Alliance Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9591% | 134 |
| Cost of funding earning assets | 3.7442% | 67 |
| Net interest margin | 4.2149% | 946 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 0.8844% | 4,396 |
| Loan and lease loss provision to assets | 1.3700% | 66 |
| Net operating income to assets | 1.9025% | 531 |
| Return on assets (ROA) | 1.9025% | 532 |
| Pretax return on assets | 1.9076% | 804 |
| Return on Equity (ROE) | 21.3100% | 348 |
| Retained earnings to average equity (ytd only) | 13.8671% | 551 |
| Net charge-offs to loans | -0.0360% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 21.2633% | 4,430 |
| Assets per employee ($millions) | 26.8699% | 60 |
| Cash dividends to net income (ytd only)* | 34.9137% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6283% | 106 |
| Loan loss allowance to noncurrent loans | 169.4755% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.7158% | 325 |
| Noncurrent loans to loans | 2.1409% | 389 |
| Net loans and leases to total assets | 77.2400% | 924 |
| Net loans and leases to deposits | 85.1478% | 1,582 |
| Net loans and leases to core deposits | 122.6648% | 478 |
| Total domestic deposits to total assets | 90.7100% | 600 |
| Equity capital to assets | 8.9540% | 2,969 |
| Core capital (leverage) ratio | 10.0174% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4059% | 2,384 |
| Memoranda: | ||
| Average total assets | $864,773,000 | 1,161 |
| Average earning assets | $852,310,000 | 1,111 |
| Average equity | $77,218,500 | 1,266 |
| Average total loans | $688,747,000 | 1,045 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9681% | 161 |
| Cost of funding earning assets | 3.8108% | 100 |
| Net interest margin | 4.1573% | 982 |
| Noninterest income to average assets | 0.0100% | 4,429 |
| Noninterest expense to average assets | 0.9313% | 4,421 |
| Loan and lease loss provision to assets | 1.0800% | 69 |
| Net operating income to assets | 2.0954% | 342 |
| Return on assets (ROA) | 2.0954% | 342 |
| Pretax return on assets | 2.0969% | 499 |
| Return on Equity (ROE) | 21.7000% | 303 |
| Retained earnings to average equity (ytd only) | 10.0882% | 572 |
| Net charge-offs to loans | 1.4986% | 96 |
| Credit loss provision to net charge-offs | 89.1266% | 2,047 |
| Earnings coverage of net charge-offs (x) | 2.6761% | 2,804 |
| Efficiency ratio | 22.6794% | 4,448 |
| Assets per employee ($millions) | 26.3388% | 60 |
| Cash dividends to net income (ytd only)* | 53.5131% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4154% | 119 |
| Loan loss allowance to noncurrent loans | 290.6214% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 742 |
| Noncurrent loans to loans | 1.1752% | 858 |
| Net loans and leases to total assets | 76.4200% | 1,087 |
| Net loans and leases to deposits | 84.2170% | 1,762 |
| Net loans and leases to core deposits | 122.1453% | 541 |
| Total domestic deposits to total assets | 90.7400% | 594 |
| Equity capital to assets | 8.9034% | 2,896 |
| Core capital (leverage) ratio | 10.4662% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7532% | 2,299 |
| Memoranda: | ||
| Average total assets | $768,196,800 | 1,260 |
| Average earning assets | $757,102,800 | 1,197 |
| Average equity | $74,176,000 | 1,276 |
| Average total loans | $608,187,800 | 1,118 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9747% | 164 |
| Cost of funding earning assets | 3.8208% | 109 |
| Net interest margin | 4.1538% | 954 |
| Noninterest income to average assets | 0.0100% | 4,454 |
| Noninterest expense to average assets | 0.8821% | 4,444 |
| Loan and lease loss provision to assets | 0.6900% | 111 |
| Net operating income to assets | 2.5315% | 223 |
| Return on assets (ROA) | 2.5315% | 221 |
| Pretax return on assets | 2.5334% | 312 |
| Return on Equity (ROE) | 25.6500% | 186 |
| Retained earnings to average equity (ytd only) | 15.3052% | 223 |
| Net charge-offs to loans | 1.5105% | 88 |
| Credit loss provision to net charge-offs | 57.5253% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.6933% | 2,574 |
| Efficiency ratio | 21.4964% | 4,487 |
| Assets per employee ($millions) | 23.8526% | 72 |
| Cash dividends to net income (ytd only)* | 40.3415% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4884% | 119 |
| Loan loss allowance to noncurrent loans | 198.2461% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 420 |
| Noncurrent loans to loans | 1.7596% | 484 |
| Net loans and leases to total assets | 73.5000% | 1,435 |
| Net loans and leases to deposits | 82.1804% | 1,972 |
| Net loans and leases to core deposits | 117.9777% | 672 |
| Total domestic deposits to total assets | 89.4400% | 766 |
| Equity capital to assets | 10.1747% | 2,177 |
| Core capital (leverage) ratio | 10.8917% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6273% | 1,654 |
| Memoranda: | ||
| Average total assets | $749,536,000 | 1,282 |
| Average earning assets | $738,738,250 | 1,221 |
| Average equity | $73,959,750 | 1,274 |
| Average total loans | $593,521,500 | 1,132 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8105% | 186 |
| Cost of funding earning assets | 3.6996% | 122 |
| Net interest margin | 4.1108% | 986 |
| Noninterest income to average assets | 0.0100% | 4,473 |
| Noninterest expense to average assets | 0.8985% | 4,467 |
| Loan and lease loss provision to assets | 0.4400% | 207 |
| Net operating income to assets | 2.7218% | 195 |
| Return on assets (ROA) | 2.7218% | 197 |
| Pretax return on assets | 2.7246% | 270 |
| Return on Equity (ROE) | 27.8900% | 158 |
| Retained earnings to average equity (ytd only) | 17.2477% | 193 |
| Net charge-offs to loans | 0.4635% | 266 |
| Credit loss provision to net charge-offs | 118.0160% | 1,364 |
| Earnings coverage of net charge-offs (x) | 8.5033% | 2,053 |
| Efficiency ratio | 22.1190% | 4,499 |
| Assets per employee ($millions) | 24.0598% | 69 |
| Cash dividends to net income (ytd only)* | 38.1655% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9857% | 100 |
| Loan loss allowance to noncurrent loans | 183.1732% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 242 |
| Noncurrent loans to loans | 2.1759% | 327 |
| Net loans and leases to total assets | 77.5600% | 957 |
| Net loans and leases to deposits | 86.6260% | 1,600 |
| Net loans and leases to core deposits | 123.3652% | 548 |
| Total domestic deposits to total assets | 89.5300% | 835 |
| Equity capital to assets | 10.0221% | 2,061 |
| Core capital (leverage) ratio | 11.3547% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0732% | 1,859 |
| Memoranda: | ||
| Average total assets | $737,002,333 | 1,289 |
| Average earning assets | $726,232,000 | 1,233 |
| Average equity | $71,916,667 | 1,286 |
| Average total loans | $591,545,333 | 1,135 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9506% | 168 |
| Cost of funding earning assets | 3.7082% | 112 |
| Net interest margin | 4.2424% | 811 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 0.7557% | 4,505 |
| Loan and lease loss provision to assets | 0.2500% | 381 |
| Net operating income to assets | 3.1784% | 145 |
| Return on assets (ROA) | 3.1784% | 145 |
| Pretax return on assets | 3.1833% | 186 |
| Return on Equity (ROE) | 33.0300% | 110 |
| Retained earnings to average equity (ytd only) | 22.1674% | 133 |
| Net charge-offs to loans | -0.2116% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 18.0490% | 4,510 |
| Assets per employee ($millions) | 21.9694% | 84 |
| Cash dividends to net income (ytd only)* | 32.8809% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2211% | 58 |
| Loan loss allowance to noncurrent loans | 123.1723% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 2.7471% | 88 |
| Noncurrent loans to loans | 3.4270% | 132 |
| Net loans and leases to total assets | 76.7800% | 978 |
| Net loans and leases to deposits | 85.7309% | 1,556 |
| Net loans and leases to core deposits | 121.7911% | 584 |
| Total domestic deposits to total assets | 89.5600% | 939 |
| Equity capital to assets | 9.9352% | 2,054 |
| Core capital (leverage) ratio | 10.9580% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0420% | 1,860 |
| Memoranda: | ||
| Average total assets | $732,576,000 | 1,296 |
| Average earning assets | $721,754,000 | 1,243 |
| Average equity | $70,500,000 | 1,296 |
| Average total loans | $586,069,000 | 1,143 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4484% | 170 |
| Cost of funding earning assets | 3.3117% | 98 |
| Net interest margin | 4.1367% | 1,025 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 1.2248% | 4,458 |
| Loan and lease loss provision to assets | 1.3900% | 47 |
| Net operating income to assets | 1.4566% | 1,104 |
| Return on assets (ROA) | 1.4566% | 1,073 |
| Pretax return on assets | 1.4588% | 1,512 |
| Return on Equity (ROE) | 15.2300% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.3568% | 1,169 |
| Net charge-offs to loans | 1.0512% | 97 |
| Credit loss provision to net charge-offs | 160.9752% | 1,404 |
| Earnings coverage of net charge-offs (x) | 3.2936% | 2,649 |
| Efficiency ratio | 30.0321% | 4,493 |
| Assets per employee ($millions) | 23.8762% | 75 |
| Cash dividends to net income (ytd only)* | 38.5812% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0216% | 60 |
| Loan loss allowance to noncurrent loans | 134.0043% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 2.3962% | 98 |
| Noncurrent loans to loans | 3.0011% | 143 |
| Net loans and leases to total assets | 76.6300% | 1,027 |
| Net loans and leases to deposits | 85.0207% | 1,689 |
| Net loans and leases to core deposits | 118.9825% | 653 |
| Total domestic deposits to total assets | 90.1400% | 723 |
| Equity capital to assets | 9.3184% | 2,479 |
| Core capital (leverage) ratio | 10.3762% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4279% | 2,091 |
| Memoranda: | ||
| Average total assets | $679,382,800 | 1,335 |
| Average earning assets | $668,772,000 | 1,283 |
| Average equity | $64,958,400 | 1,319 |
| Average total loans | $559,932,600 | 1,134 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2395% | 171 |
| Cost of funding earning assets | 3.1506% | 98 |
| Net interest margin | 4.0888% | 1,086 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 1.2129% | 4,479 |
| Loan and lease loss provision to assets | 1.7100% | 38 |
| Net operating income to assets | 1.1069% | 2,032 |
| Return on assets (ROA) | 1.1069% | 2,013 |
| Pretax return on assets | 1.1099% | 2,539 |
| Return on Equity (ROE) | 11.5000% | 2,254 |
| Retained earnings to average equity (ytd only) | 3.5357% | 3,376 |
| Net charge-offs to loans | 0.5841% | 150 |
| Credit loss provision to net charge-offs | 351.5916% | 788 |
| Earnings coverage of net charge-offs (x) | 5.8016% | 2,332 |
| Efficiency ratio | 30.0956% | 4,517 |
| Assets per employee ($millions) | 22.6538% | 75 |
| Cash dividends to net income (ytd only)* | 69.2419% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3174% | 48 |
| Loan loss allowance to noncurrent loans | 112.5230% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 3.2198% | 60 |
| Noncurrent loans to loans | 3.8369% | 84 |
| Net loans and leases to total assets | 80.2900% | 606 |
| Net loans and leases to deposits | 88.2605% | 1,364 |
| Net loans and leases to core deposits | 126.1951% | 414 |
| Total domestic deposits to total assets | 90.9700% | 681 |
| Equity capital to assets | 8.5536% | 2,696 |
| Core capital (leverage) ratio | 10.4959% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6210% | 2,415 |
| Memoranda: | ||
| Average total assets | $664,188,250 | 1,361 |
| Average earning assets | $653,734,500 | 1,298 |
| Average equity | $63,955,250 | 1,321 |
| Average total loans | $552,169,750 | 1,144 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1733% | 159 |
| Cost of funding earning assets | 2.9698% | 89 |
| Net interest margin | 4.2034% | 926 |
| Noninterest income to average assets | -0.0100% | 4,641 |
| Noninterest expense to average assets | 1.2265% | 4,510 |
| Loan and lease loss provision to assets | 1.2100% | 50 |
| Net operating income to assets | 1.6865% | 806 |
| Return on assets (ROA) | 1.6865% | 810 |
| Pretax return on assets | 1.6911% | 1,230 |
| Return on Equity (ROE) | 16.8100% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.9001% | 1,206 |
| Net charge-offs to loans | 1.0400% | 87 |
| Credit loss provision to net charge-offs | 140.2668% | 1,236 |
| Earnings coverage of net charge-offs (x) | 3.3655% | 2,264 |
| Efficiency ratio | 29.7253% | 4,544 |
| Assets per employee ($millions) | 21.0676% | 85 |
| Cash dividends to net income (ytd only)* | 35.1565% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7995% | 68 |
| Loan loss allowance to noncurrent loans | 136.2183% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 2.3189% | 112 |
| Noncurrent loans to loans | 2.7893% | 158 |
| Net loans and leases to total assets | 79.9800% | 626 |
| Net loans and leases to deposits | 88.9583% | 1,262 |
| Net loans and leases to core deposits | 123.9840% | 428 |
| Total domestic deposits to total assets | 89.9000% | 948 |
| Equity capital to assets | 9.6595% | 2,057 |
| Core capital (leverage) ratio | 11.6711% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4959% | 2,096 |
| Memoranda: | ||
| Average total assets | $643,944,000 | 1,386 |
| Average earning assets | $633,575,667 | 1,316 |
| Average equity | $64,604,667 | 1,311 |
| Average total loans | $533,448,333 | 1,165 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1968% | 105 |
| Cost of funding earning assets | 2.8152% | 56 |
| Net interest margin | 4.3816% | 709 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.0019% | 4,623 |
| Loan and lease loss provision to assets | 1.5600% | 51 |
| Net operating income to assets | 1.7537% | 745 |
| Return on assets (ROA) | 1.7537% | 736 |
| Pretax return on assets | 1.7633% | 1,143 |
| Return on Equity (ROE) | 17.1400% | 1,151 |
| Retained earnings to average equity (ytd only) | 5.2715% | 2,958 |
| Net charge-offs to loans | 1.9756% | 42 |
| Credit loss provision to net charge-offs | 95.4829% | 1,156 |
| Earnings coverage of net charge-offs (x) | 2.0343% | 1,942 |
| Efficiency ratio | 23.1652% | 4,636 |
| Assets per employee ($millions) | 19.6680% | 97 |
| Cash dividends to net income (ytd only)* | 69.2419% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8593% | 67 |
| Loan loss allowance to noncurrent loans | 115.1400% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 2.7685% | 66 |
| Noncurrent loans to loans | 3.3518% | 123 |
| Net loans and leases to total assets | 79.4100% | 602 |
| Net loans and leases to deposits | 88.6387% | 1,156 |
| Net loans and leases to core deposits | 119.9205% | 436 |
| Total domestic deposits to total assets | 89.5900% | 1,303 |
| Equity capital to assets | 10.0590% | 1,787 |
| Core capital (leverage) ratio | 11.6894% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8502% | 2,029 |
| Memoranda: | ||
| Average total assets | $628,834,000 | 1,438 |
| Average earning assets | $618,495,500 | 1,366 |
| Average equity | $64,346,500 | 1,327 |
| Average total loans | $519,938,500 | 1,191 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6216% | 62 |
| Cost of funding earning assets | 1.6994% | 13 |
| Net interest margin | 4.9223% | 152 |
| Noninterest income to average assets | -0.0100% | 4,689 |
| Noninterest expense to average assets | 1.2206% | 4,602 |
| Loan and lease loss provision to assets | 1.3700% | 31 |
| Net operating income to assets | 2.2307% | 205 |
| Return on assets (ROA) | 2.2307% | 193 |
| Pretax return on assets | 2.2322% | 297 |
| Return on Equity (ROE) | 20.2100% | 461 |
| Retained earnings to average equity (ytd only) | 11.4014% | 808 |
| Net charge-offs to loans | 0.8102% | 83 |
| Credit loss provision to net charge-offs | 199.6541% | 1,126 |
| Earnings coverage of net charge-offs (x) | 5.2407% | 2,382 |
| Efficiency ratio | 25.2889% | 4,675 |
| Assets per employee ($millions) | 19.6342% | 101 |
| Cash dividends to net income (ytd only)* | 43.5899% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3146% | 92 |
| Loan loss allowance to noncurrent loans | 104.6760% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.6209% | 71 |
| Noncurrent loans to loans | 3.1665% | 131 |
| Net loans and leases to total assets | 80.0300% | 589 |
| Net loans and leases to deposits | 89.6674% | 1,075 |
| Net loans and leases to core deposits | 126.6242% | 270 |
| Total domestic deposits to total assets | 89.2500% | 1,647 |
| Equity capital to assets | 10.4066% | 1,497 |
| Core capital (leverage) ratio | 12.0401% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2596% | 1,870 |
| Memoranda: | ||
| Average total assets | $588,162,800 | 1,516 |
| Average earning assets | $578,451,400 | 1,428 |
| Average equity | $64,913,200 | 1,322 |
| Average total loans | $499,535,200 | 1,179 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5503% | 53 |
| Cost of funding earning assets | 1.4548% | 9 |
| Net interest margin | 5.0955% | 106 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.2105% | 4,621 |
| Loan and lease loss provision to assets | 1.4100% | 27 |
| Net operating income to assets | 2.3973% | 166 |
| Return on assets (ROA) | 2.3973% | 164 |
| Pretax return on assets | 2.3996% | 237 |
| Return on Equity (ROE) | 21.3900% | 328 |
| Retained earnings to average equity (ytd only) | 13.5500% | 530 |
| Net charge-offs to loans | 1.4417% | 38 |
| Credit loss provision to net charge-offs | 114.4220% | 1,246 |
| Earnings coverage of net charge-offs (x) | 3.0905% | 2,218 |
| Efficiency ratio | 24.1101% | 4,714 |
| Assets per employee ($millions) | 20.3040% | 98 |
| Cash dividends to net income (ytd only)* | 36.6522% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7175% | 179 |
| Loan loss allowance to noncurrent loans | 140.5471% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 195 |
| Noncurrent loans to loans | 1.9335% | 313 |
| Net loans and leases to total assets | 82.1400% | 371 |
| Net loans and leases to deposits | 92.0881% | 762 |
| Net loans and leases to core deposits | 121.5272% | 237 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 10.5306% | 1,354 |
| Core capital (leverage) ratio | 12.3809% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2522% | 1,958 |
| Memoranda: | ||
| Average total assets | $578,130,250 | 1,550 |
| Average earning assets | $568,384,500 | 1,457 |
| Average equity | $64,795,500 | 1,337 |
| Average total loans | $494,409,250 | 1,187 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4308% | 50 |
| Cost of funding earning assets | 1.2591% | 13 |
| Net interest margin | 5.1717% | 96 |
| Noninterest income to average assets | 0.0106% | 4,718 |
| Noninterest expense to average assets | 1.2032% | 4,643 |
| Loan and lease loss provision to assets | 1.4304% | 30 |
| Net operating income to assets | 2.4576% | 120 |
| Return on assets (ROA) | 2.4576% | 117 |
| Pretax return on assets | 2.4611% | 176 |
| Return on Equity (ROE) | 21.4635% | 220 |
| Retained earnings to average equity (ytd only) | 15.6123% | 218 |
| Net charge-offs to loans | 1.9525% | 29 |
| Credit loss provision to net charge-offs | 85.2793% | 1,362 |
| Earnings coverage of net charge-offs (x) | 2.3200% | 2,035 |
| Efficiency ratio | 23.6173% | 4,744 |
| Assets per employee ($millions) | 19.0620% | 111 |
| Cash dividends to net income (ytd only)* | 27.2610% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5443% | 244 |
| Loan loss allowance to noncurrent loans | 112.2946% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.9548% | 145 |
| Noncurrent loans to loans | 2.2657% | 273 |
| Net loans and leases to total assets | 83.7542% | 196 |
| Net loans and leases to deposits | 94.5851% | 492 |
| Net loans and leases to core deposits | 123.2564% | 164 |
| Total domestic deposits to total assets | 88.5491% | 2,362 |
| Equity capital to assets | 11.1846% | 1,142 |
| Core capital (leverage) ratio | 12.7198% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6182% | 1,829 |
| Memoranda: | ||
| Average total assets | $567,800,667 | 1,584 |
| Average earning assets | $558,186,667 | 1,497 |
| Average equity | $65,012,667 | 1,359 |
| Average total loans | $487,778,667 | 1,193 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3080% | 52 |
| Cost of funding earning assets | 1.2436% | 11 |
| Net interest margin | 5.0644% | 94 |
| Noninterest income to average assets | 0.0028% | 4,751 |
| Noninterest expense to average assets | 1.2274% | 4,658 |
| Loan and lease loss provision to assets | 0.6116% | 72 |
| Net operating income to assets | 3.1384% | 69 |
| Return on assets (ROA) | 3.1384% | 67 |
| Pretax return on assets | 3.1447% | 90 |
| Return on Equity (ROE) | 27.0923% | 75 |
| Retained earnings to average equity (ytd only) | 15.4839% | 262 |
| Net charge-offs to loans | -0.1210% | 4,508 |
| Credit loss provision to net charge-offs | -588.4354% | 3,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.6276% | 4,766 |
| Assets per employee ($millions) | 23.1935% | 75 |
| Cash dividends to net income (ytd only)* | 42.8475% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9054% | 170 |
| Loan loss allowance to noncurrent loans | 98.8665% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.4800% | 97 |
| Noncurrent loans to loans | 2.9387% | 187 |
| Net loans and leases to total assets | 81.9398% | 166 |
| Net loans and leases to deposits | 92.6389% | 410 |
| Net loans and leases to core deposits | 113.1193% | 205 |
| Total domestic deposits to total assets | 88.4507% | 2,318 |
| Equity capital to assets | 11.2418% | 1,219 |
| Core capital (leverage) ratio | 12.0198% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9394% | 2,240 |
| Memoranda: | ||
| Average total assets | $565,771,000 | 1,589 |
| Average earning assets | $556,437,000 | 1,514 |
| Average equity | $65,539,000 | 1,396 |
| Average total loans | $485,937,500 | 1,186 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 51 |
| Cost of funding earning assets | 1.5003% | 11 |
| Net interest margin | 5.0288% | 140 |
| Noninterest income to average assets | 0.0121% | 4,783 |
| Noninterest expense to average assets | 1.2280% | 4,705 |
| Loan and lease loss provision to assets | 1.0747% | 28 |
| Net operating income to assets | 2.6437% | 137 |
| Return on assets (ROA) | 2.6484% | 140 |
| Pretax return on assets | 2.6495% | 214 |
| Return on Equity (ROE) | 22.9430% | 179 |
| Retained earnings to average equity (ytd only) | 19.7815% | 64 |
| Net charge-offs to loans | 0.4701% | 177 |
| Credit loss provision to net charge-offs | 268.3757% | 1,127 |
| Earnings coverage of net charge-offs (x) | 9.2889% | 2,264 |
| Efficiency ratio | 24.8197% | 4,812 |
| Assets per employee ($millions) | 21.2194% | 91 |
| Cash dividends to net income (ytd only)* | 13.7796% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 200 |
| Loan loss allowance to noncurrent loans | 100.7861% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 2.3748% | 117 |
| Noncurrent loans to loans | 2.7152% | 239 |
| Net loans and leases to total assets | 85.0701% | 81 |
| Net loans and leases to deposits | 96.8916% | 284 |
| Net loans and leases to core deposits | 120.7205% | 158 |
| Total domestic deposits to total assets | 87.7993% | 2,149 |
| Equity capital to assets | 11.9437% | 1,274 |
| Core capital (leverage) ratio | 12.2920% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7918% | 2,325 |
| Memoranda: | ||
| Average total assets | $521,192,400 | 1,647 |
| Average earning assets | $511,513,800 | 1,570 |
| Average equity | $60,162,200 | 1,509 |
| Average total loans | $443,964,600 | 1,275 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6101% | 52 |
| Cost of funding earning assets | 1.5465% | 11 |
| Net interest margin | 5.0636% | 146 |
| Noninterest income to average assets | 0.0125% | 4,857 |
| Noninterest expense to average assets | 1.1706% | 4,797 |
| Loan and lease loss provision to assets | 1.2735% | 18 |
| Net operating income to assets | 2.5339% | 209 |
| Return on assets (ROA) | 2.5590% | 203 |
| Pretax return on assets | 2.5606% | 306 |
| Return on Equity (ROE) | 22.3778% | 283 |
| Retained earnings to average equity (ytd only) | 18.0598% | 194 |
| Net charge-offs to loans | 0.3825% | 200 |
| Credit loss provision to net charge-offs | 393.5795% | 865 |
| Earnings coverage of net charge-offs (x) | 11.7745% | 1,984 |
| Efficiency ratio | 23.5089% | 4,889 |
| Assets per employee ($millions) | 21.5627% | 86 |
| Cash dividends to net income (ytd only)* | 19.2959% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8223% | 190 |
| Loan loss allowance to noncurrent loans | 86.1004% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 2.8761% | 92 |
| Noncurrent loans to loans | 3.2779% | 184 |
| Net loans and leases to total assets | 85.2655% | 80 |
| Net loans and leases to deposits | 96.7292% | 324 |
| Net loans and leases to core deposits | 127.3751% | 137 |
| Total domestic deposits to total assets | 88.1486% | 1,746 |
| Equity capital to assets | 11.6047% | 1,602 |
| Core capital (leverage) ratio | 12.1321% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4052% | 2,579 |
| Memoranda: | ||
| Average total assets | $513,564,250 | 1,685 |
| Average earning assets | $503,763,000 | 1,602 |
| Average equity | $58,729,250 | 1,561 |
| Average total loans | $434,320,500 | 1,320 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2631% | 71 |
| Cost of funding earning assets | 1.6010% | 9 |
| Net interest margin | 4.6621% | 283 |
| Noninterest income to average assets | 0.0036% | 4,913 |
| Noninterest expense to average assets | 1.2347% | 4,813 |
| Loan and lease loss provision to assets | 1.0438% | 38 |
| Net operating income to assets | 2.2912% | 286 |
| Return on assets (ROA) | 2.3047% | 299 |
| Pretax return on assets | 2.3070% | 473 |
| Return on Equity (ROE) | 20.2599% | 438 |
| Retained earnings to average equity (ytd only) | 20.2599% | 148 |
| Net charge-offs to loans | -0.0327% | 4,194 |
| Credit loss provision to net charge-offs | -3,820.2899% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0050% | 4,911 |
| Assets per employee ($millions) | 19.2300% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 174 |
| Loan loss allowance to noncurrent loans | 70.1409% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 3.5347% | 72 |
| Noncurrent loans to loans | 4.0924% | 131 |
| Net loans and leases to total assets | 83.8950% | 138 |
| Net loans and leases to deposits | 97.0312% | 351 |
| Net loans and leases to core deposits | 128.4990% | 141 |
| Total domestic deposits to total assets | 86.4619% | 2,568 |
| Equity capital to assets | 12.0769% | 1,325 |
| Core capital (leverage) ratio | 12.0162% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1441% | 2,307 |
| Memoranda: | ||
| Average total assets | $505,063,333 | 1,698 |
| Average earning assets | $494,930,000 | 1,618 |
| Average equity | $57,453,333 | 1,584 |
| Average total loans | $421,431,667 | 1,347 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 93 |
| Cost of funding earning assets | 1.6288% | 14 |
| Net interest margin | 4.4766% | 371 |
| Noninterest income to average assets | 0.0134% | 4,918 |
| Noninterest expense to average assets | 1.0701% | 4,893 |
| Loan and lease loss provision to assets | 1.8810% | 12 |
| Net operating income to assets | 1.4389% | 1,470 |
| Return on assets (ROA) | 1.4578% | 1,492 |
| Pretax return on assets | 1.4626% | 2,099 |
| Return on Equity (ROE) | 13.2169% | 1,615 |
| Retained earnings to average equity (ytd only) | 13.2169% | 873 |
| Net charge-offs to loans | 0.0509% | 994 |
| Credit loss provision to net charge-offs | 4,503.7736% | 125 |
| Earnings coverage of net charge-offs (x) | 79.6038% | 706 |
| Efficiency ratio | 24.3500% | 4,942 |
| Assets per employee ($millions) | 18.8759% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9236% | 159 |
| Loan loss allowance to noncurrent loans | 59.3593% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 3.9749% | 60 |
| Noncurrent loans to loans | 4.9253% | 86 |
| Net loans and leases to total assets | 78.3447% | 448 |
| Net loans and leases to deposits | 88.2522% | 808 |
| Net loans and leases to core deposits | 118.4144% | 259 |
| Total domestic deposits to total assets | 88.7737% | 1,455 |
| Equity capital to assets | 10.9824% | 1,873 |
| Core capital (leverage) ratio | 11.1521% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6597% | 2,422 |
| Memoranda: | ||
| Average total assets | $507,605,000 | 1,668 |
| Average earning assets | $496,801,500 | 1,598 |
| Average equity | $55,989,000 | 1,607 |
| Average total loans | $416,220,500 | 1,371 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3598% | 62 |
| Cost of funding earning assets | 1.9772% | 10 |
| Net interest margin | 4.3827% | 420 |
| Noninterest income to average assets | 0.0469% | 4,868 |
| Noninterest expense to average assets | 0.9958% | 4,932 |
| Loan and lease loss provision to assets | 3.2585% | 15 |
| Net operating income to assets | 0.0926% | 4,677 |
| Return on assets (ROA) | 0.1447% | 4,679 |
| Pretax return on assets | 0.1459% | 4,678 |
| Return on Equity (ROE) | 1.3490% | 4,640 |
| Retained earnings to average equity (ytd only) | 1.3490% | 4,089 |
| Net charge-offs to loans | 3.7632% | 18 |
| Credit loss provision to net charge-offs | 103.0769% | 2,785 |
| Earnings coverage of net charge-offs (x) | 1.0603% | 3,284 |
| Efficiency ratio | 22.9058% | 4,981 |
| Assets per employee ($millions) | 18.0557% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3012% | 350 |
| Loan loss allowance to noncurrent loans | 45.5511% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 4.2082% | 56 |
| Noncurrent loans to loans | 5.0519% | 86 |
| Net loans and leases to total assets | 81.3832% | 333 |
| Net loans and leases to deposits | 92.1029% | 769 |
| Net loans and leases to core deposits | 123.1063% | 275 |
| Total domestic deposits to total assets | 88.3612% | 1,297 |
| Equity capital to assets | 11.0780% | 2,193 |
| Core capital (leverage) ratio | 10.6927% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1143% | 2,584 |
| Memoranda: | ||
| Average total assets | $518,151,200 | 1,494 |
| Average earning assets | $508,457,800 | 1,435 |
| Average equity | $55,595,000 | 1,541 |
| Average total loans | $435,271,800 | 1,262 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4655% | 64 |
| Cost of funding earning assets | 2.0476% | 7 |
| Net interest margin | 4.4178% | 457 |
| Noninterest income to average assets | 0.0100% | 4,969 |
| Noninterest expense to average assets | 0.9706% | 4,977 |
| Loan and lease loss provision to assets | 3.2335% | 20 |
| Net operating income to assets | 0.1379% | 4,664 |
| Return on assets (ROA) | 0.1913% | 4,649 |
| Pretax return on assets | 0.1928% | 4,663 |
| Return on Equity (ROE) | 1.7972% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.7972% | 4,001 |
| Net charge-offs to loans | 1.2087% | 105 |
| Credit loss provision to net charge-offs | 317.7979% | 1,708 |
| Earnings coverage of net charge-offs (x) | 3.3145% | 2,920 |
| Efficiency ratio | 22.3498% | 5,014 |
| Assets per employee ($millions) | 19.9950% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1833% | 57 |
| Loan loss allowance to noncurrent loans | 74.9234% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 4.8233% | 55 |
| Noncurrent loans to loans | 5.5834% | 81 |
| Net loans and leases to total assets | 78.6527% | 753 |
| Net loans and leases to deposits | 88.4223% | 1,436 |
| Net loans and leases to core deposits | 117.4417% | 468 |
| Total domestic deposits to total assets | 88.9513% | 791 |
| Equity capital to assets | 10.7625% | 2,577 |
| Core capital (leverage) ratio | 10.3409% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9794% | 2,618 |
| Memoranda: | ||
| Average total assets | $521,299,000 | 1,471 |
| Average earning assets | $511,278,500 | 1,413 |
| Average equity | $55,492,250 | 1,532 |
| Average total loans | $438,806,750 | 1,247 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6028% | 80 |
| Cost of funding earning assets | 2.1238% | 8 |
| Net interest margin | 4.4790% | 524 |
| Noninterest income to average assets | 0.0107% | 4,993 |
| Noninterest expense to average assets | 1.0227% | 5,003 |
| Loan and lease loss provision to assets | 2.7797% | 31 |
| Net operating income to assets | 0.5995% | 3,740 |
| Return on assets (ROA) | 0.6106% | 3,783 |
| Pretax return on assets | 0.6129% | 4,035 |
| Return on Equity (ROE) | 5.7572% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.7572% | 2,174 |
| Net charge-offs to loans | 0.6635% | 238 |
| Credit loss provision to net charge-offs | 493.6692% | 1,248 |
| Earnings coverage of net charge-offs (x) | 6.0054% | 2,472 |
| Efficiency ratio | 23.2202% | 5,042 |
| Assets per employee ($millions) | 19.8589% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3989% | 95 |
| Loan loss allowance to noncurrent loans | 101.1350% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 2.9885% | 157 |
| Noncurrent loans to loans | 3.3607% | 251 |
| Net loans and leases to total assets | 79.3512% | 679 |
| Net loans and leases to deposits | 89.0586% | 1,441 |
| Net loans and leases to core deposits | 119.4122% | 436 |
| Total domestic deposits to total assets | 89.0999% | 712 |
| Equity capital to assets | 10.6026% | 2,659 |
| Core capital (leverage) ratio | 10.3163% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9957% | 2,615 |
| Memoranda: | ||
| Average total assets | $521,775,333 | 1,457 |
| Average earning assets | $511,812,000 | 1,395 |
| Average equity | $55,339,333 | 1,513 |
| Average total loans | $442,827,667 | 1,225 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7361% | 67 |
| Cost of funding earning assets | 2.1619% | 14 |
| Net interest margin | 4.5742% | 432 |
| Noninterest income to average assets | 0.0124% | 5,040 |
| Noninterest expense to average assets | 1.0588% | 5,053 |
| Loan and lease loss provision to assets | 2.5202% | 45 |
| Net operating income to assets | 0.9174% | 2,460 |
| Return on assets (ROA) | 0.9250% | 2,545 |
| Pretax return on assets | 0.9297% | 3,055 |
| Return on Equity (ROE) | 8.7205% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.7205% | 1,042 |
| Net charge-offs to loans | 0.1946% | 700 |
| Credit loss provision to net charge-offs | 1,500.9259% | 423 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,411 |
| Efficiency ratio | 23.5233% | 5,084 |
| Assets per employee ($millions) | 18.2703% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6876% | 196 |
| Loan loss allowance to noncurrent loans | 124.3408% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0846% | 381 |
| Noncurrent loans to loans | 2.1615% | 622 |
| Net loans and leases to total assets | 83.4680% | 306 |
| Net loans and leases to deposits | 93.5074% | 1,123 |
| Net loans and leases to core deposits | 179.0992% | 52 |
| Total domestic deposits to total assets | 89.2635% | 559 |
| Equity capital to assets | 10.4017% | 3,416 |
| Core capital (leverage) ratio | 10.8752% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6471% | 2,864 |
| Memoranda: | ||
| Average total assets | $514,568,000 | 1,434 |
| Average earning assets | $504,919,000 | 1,368 |
| Average equity | $54,584,000 | 1,529 |
| Average total loans | $444,020,000 | 1,199 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8774% | 73 |
| Cost of funding earning assets | 2.2378% | 21 |
| Net interest margin | 4.6395% | 534 |
| Noninterest income to average assets | 0.0195% | 5,097 |
| Noninterest expense to average assets | 1.2867% | 5,071 |
| Loan and lease loss provision to assets | 0.8902% | 113 |
| Net operating income to assets | 2.3983% | 155 |
| Return on assets (ROA) | 2.3994% | 163 |
| Pretax return on assets | 2.4009% | 247 |
| Return on Equity (ROE) | 22.8033% | 122 |
| Retained earnings to average equity (ytd only) | 22.8033% | 21 |
| Net charge-offs to loans | 0.6988% | 241 |
| Credit loss provision to net charge-offs | 145.2177% | 1,767 |
| Earnings coverage of net charge-offs (x) | 5.3669% | 3,097 |
| Efficiency ratio | 28.1132% | 5,138 |
| Assets per employee ($millions) | 18.4925% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 386 |
| Loan loss allowance to noncurrent loans | 214.9743% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 1,108 |
| Noncurrent loans to loans | 0.9857% | 1,547 |
| Net loans and leases to total assets | 84.9979% | 243 |
| Net loans and leases to deposits | 95.6874% | 973 |
| Net loans and leases to core deposits | 130.3559% | 273 |
| Total domestic deposits to total assets | 88.8287% | 738 |
| Equity capital to assets | 10.8264% | 3,157 |
| Core capital (leverage) ratio | 11.2195% | 2,320 |
| Tier 1 risk-based capital ratio | 11.5017% | 4,629 |
| Total risk-based capital ratio | 12.7609% | 4,502 |
| Memoranda: | ||
| Average total assets | $457,071,800 | 1,528 |
| Average earning assets | $448,966,000 | 1,459 |
| Average equity | $48,094,000 | 1,657 |
| Average total loans | $400,986,000 | 1,266 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7684% | 83 |
| Cost of funding earning assets | 2.2299% | 20 |
| Net interest margin | 4.5385% | 703 |
| Noninterest income to average assets | 0.0191% | 5,171 |
| Noninterest expense to average assets | 1.2096% | 5,169 |
| Loan and lease loss provision to assets | 0.7895% | 132 |
| Net operating income to assets | 2.4781% | 167 |
| Return on assets (ROA) | 2.4763% | 179 |
| Pretax return on assets | 2.4784% | 257 |
| Return on Equity (ROE) | 23.7258% | 115 |
| Retained earnings to average equity (ytd only) | 23.7258% | 29 |
| Net charge-offs to loans | 0.7755% | 207 |
| Credit loss provision to net charge-offs | 115.7112% | 2,012 |
| Earnings coverage of net charge-offs (x) | 4.7921% | 2,974 |
| Efficiency ratio | 27.0049% | 5,221 |
| Assets per employee ($millions) | 19.0912% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 461 |
| Loan loss allowance to noncurrent loans | 179.9609% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 1,398 |
| Noncurrent loans to loans | 1.1179% | 1,423 |
| Net loans and leases to total assets | 84.4995% | 299 |
| Net loans and leases to deposits | 95.0030% | 1,123 |
| Net loans and leases to core deposits | 129.3127% | 301 |
| Total domestic deposits to total assets | 88.9440% | 629 |
| Equity capital to assets | 10.7057% | 3,376 |
| Core capital (leverage) ratio | 10.9854% | 2,655 |
| Tier 1 risk-based capital ratio | 11.4891% | 4,671 |
| Total risk-based capital ratio | 12.7472% | 4,570 |
| Memoranda: | ||
| Average total assets | $446,515,500 | 1,572 |
| Average earning assets | $438,810,000 | 1,492 |
| Average equity | $46,603,500 | 1,700 |
| Average total loans | $392,837,500 | 1,297 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6648% | 98 |
| Cost of funding earning assets | 2.1918% | 20 |
| Net interest margin | 4.4731% | 817 |
| Noninterest income to average assets | 0.0193% | 5,217 |
| Noninterest expense to average assets | 1.2227% | 5,218 |
| Loan and lease loss provision to assets | 0.7981% | 129 |
| Net operating income to assets | 2.3926% | 177 |
| Return on assets (ROA) | 2.3885% | 185 |
| Pretax return on assets | 2.3917% | 290 |
| Return on Equity (ROE) | 23.1011% | 139 |
| Retained earnings to average equity (ytd only) | 23.1011% | 37 |
| Net charge-offs to loans | -0.0021% | 3,958 |
| Credit loss provision to net charge-offs | -43,525.0000% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.6832% | 5,266 |
| Assets per employee ($millions) | 16.2542% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3811% | 261 |
| Loan loss allowance to noncurrent loans | 168.9269% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2573% | 1,042 |
| Noncurrent loans to loans | 1.4095% | 1,098 |
| Net loans and leases to total assets | 87.0732% | 149 |
| Net loans and leases to deposits | 98.5538% | 794 |
| Net loans and leases to core deposits | 133.3014% | 271 |
| Total domestic deposits to total assets | 88.3509% | 942 |
| Equity capital to assets | 10.5432% | 3,481 |
| Core capital (leverage) ratio | 10.8396% | 2,754 |
| Tier 1 risk-based capital ratio | 11.0679% | 4,880 |
| Total risk-based capital ratio | 12.3307% | 4,786 |
| Memoranda: | ||
| Average total assets | $436,260,670 | 1,607 |
| Average earning assets | $428,879,000 | 1,530 |
| Average equity | $45,106,000 | 1,748 |
| Average total loans | $386,590,330 | 1,314 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8817% | 77 |
| Cost of funding earning assets | 2.1417% | 26 |
| Net interest margin | 4.7400% | 454 |
| Noninterest income to average assets | 0.0187% | 5,278 |
| Noninterest expense to average assets | 1.2136% | 5,280 |
| Loan and lease loss provision to assets | 0.9381% | 92 |
| Net operating income to assets | 2.5209% | 153 |
| Return on assets (ROA) | 2.5162% | 164 |
| Pretax return on assets | 2.5228% | 235 |
| Return on Equity (ROE) | 24.5952% | 105 |
| Retained earnings to average equity (ytd only) | 24.5952% | 51 |
| Net charge-offs to loans | -0.0891% | 4,998 |
| Credit loss provision to net charge-offs | -1,191.6667% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.9363% | 5,331 |
| Assets per employee ($millions) | 15.4544% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 286 |
| Loan loss allowance to noncurrent loans | 145.9718% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4256% | 862 |
| Noncurrent loans to loans | 1.6035% | 986 |
| Net loans and leases to total assets | 86.8285% | 152 |
| Net loans and leases to deposits | 97.2789% | 865 |
| Net loans and leases to core deposits | 135.0113% | 246 |
| Total domestic deposits to total assets | 89.2573% | 740 |
| Equity capital to assets | 10.4191% | 3,398 |
| Core capital (leverage) ratio | 10.6824% | 2,865 |
| Tier 1 risk-based capital ratio | 10.9906% | 4,979 |
| Total risk-based capital ratio | 12.2525% | 4,878 |
| Memoranda: | ||
| Average total assets | $426,832,500 | 1,652 |
| Average earning assets | $419,666,000 | 1,561 |
| Average equity | $43,667,000 | 1,790 |
| Average total loans | $376,910,000 | 1,348 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2490% | 122 |
| Cost of funding earning assets | 1.7183% | 39 |
| Net interest margin | 4.5307% | 721 |
| Noninterest income to average assets | 0.0225% | 5,316 |
| Noninterest expense to average assets | 1.3495% | 5,285 |
| Loan and lease loss provision to assets | 0.6538% | 165 |
| Net operating income to assets | 2.4703% | 158 |
| Return on assets (ROA) | 2.4703% | 156 |
| Pretax return on assets | 2.4720% | 218 |
| Return on Equity (ROE) | 23.3233% | 121 |
| Retained earnings to average equity (ytd only) | 23.3233% | 24 |
| Net charge-offs to loans | 0.4052% | 456 |
| Credit loss provision to net charge-offs | 180.5599% | 1,568 |
| Earnings coverage of net charge-offs (x) | 8.6330% | 2,882 |
| Efficiency ratio | 30.1541% | 5,365 |
| Assets per employee ($millions) | 15.5904% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1461% | 370 |
| Loan loss allowance to noncurrent loans | 143.2110% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 968 |
| Noncurrent loans to loans | 1.4986% | 1,018 |
| Net loans and leases to total assets | 85.7997% | 243 |
| Net loans and leases to deposits | 95.6673% | 1,103 |
| Net loans and leases to core deposits | 137.1788% | 227 |
| Total domestic deposits to total assets | 89.6855% | 583 |
| Equity capital to assets | 10.0365% | 3,648 |
| Core capital (leverage) ratio | 10.5293% | 2,992 |
| Tier 1 risk-based capital ratio | 10.6050% | 5,143 |
| Total risk-based capital ratio | 11.8644% | 5,034 |
| Memoranda: | ||
| Average total assets | $355,180,000 | 1,899 |
| Average earning assets | $349,066,000 | 1,815 |
| Average equity | $37,619,000 | 1,959 |
| Average total loans | $317,379,800 | 1,524 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1001% | 136 |
| Cost of funding earning assets | 1.5841% | 48 |
| Net interest margin | 4.5160% | 717 |
| Noninterest income to average assets | 0.0240% | 5,392 |
| Noninterest expense to average assets | 1.3481% | 5,350 |
| Loan and lease loss provision to assets | 0.8341% | 107 |
| Net operating income to assets | 2.2774% | 238 |
| Return on assets (ROA) | 2.2774% | 238 |
| Pretax return on assets | 2.2798% | 353 |
| Return on Equity (ROE) | 21.1577% | 202 |
| Retained earnings to average equity (ytd only) | 21.1577% | 47 |
| Net charge-offs to loans | 0.5724% | 260 |
| Credit loss provision to net charge-offs | 162.1270% | 1,621 |
| Earnings coverage of net charge-offs (x) | 6.0528% | 2,920 |
| Efficiency ratio | 30.2135% | 5,429 |
| Assets per employee ($millions) | 15.5089% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1898% | 371 |
| Loan loss allowance to noncurrent loans | 152.8396% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2989% | 1,053 |
| Noncurrent loans to loans | 1.4327% | 1,154 |
| Net loans and leases to total assets | 88.6707% | 117 |
| Net loans and leases to deposits | 99.5362% | 827 |
| Net loans and leases to core deposits | 144.5310% | 180 |
| Total domestic deposits to total assets | 89.0839% | 821 |
| Equity capital to assets | 10.0219% | 3,624 |
| Core capital (leverage) ratio | 10.7128% | 2,871 |
| Tier 1 risk-based capital ratio | 10.2310% | 5,321 |
| Total risk-based capital ratio | 11.4908% | 5,247 |
| Memoranda: | ||
| Average total assets | $338,739,500 | 1,965 |
| Average earning assets | $332,883,500 | 1,891 |
| Average equity | $36,461,750 | 2,008 |
| Average total loans | $304,452,750 | 1,590 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0046% | 141 |
| Cost of funding earning assets | 1.4410% | 62 |
| Net interest margin | 4.5636% | 599 |
| Noninterest income to average assets | 0.0254% | 5,450 |
| Noninterest expense to average assets | 1.4019% | 5,392 |
| Loan and lease loss provision to assets | 0.8802% | 96 |
| Net operating income to assets | 2.2226% | 243 |
| Return on assets (ROA) | 2.2226% | 234 |
| Pretax return on assets | 2.2263% | 373 |
| Return on Equity (ROE) | 20.0935% | 259 |
| Retained earnings to average equity (ytd only) | 20.0935% | 65 |
| Net charge-offs to loans | 0.9551% | 141 |
| Credit loss provision to net charge-offs | 102.9007% | 1,975 |
| Earnings coverage of net charge-offs (x) | 3.6316% | 2,861 |
| Efficiency ratio | 31.0952% | 5,489 |
| Assets per employee ($millions) | 15.5424% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 405 |
| Loan loss allowance to noncurrent loans | 88.9874% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 458 |
| Noncurrent loans to loans | 2.4196% | 544 |
| Net loans and leases to total assets | 88.0347% | 136 |
| Net loans and leases to deposits | 99.1778% | 870 |
| Net loans and leases to core deposits | 141.2068% | 184 |
| Total domestic deposits to total assets | 88.7645% | 1,032 |
| Equity capital to assets | 10.3120% | 3,326 |
| Core capital (leverage) ratio | 11.5360% | 2,039 |
| Tier 1 risk-based capital ratio | 10.5458% | 5,252 |
| Total risk-based capital ratio | 11.8053% | 5,150 |
| Memoranda: | ||
| Average total assets | $322,412,000 | 2,052 |
| Average earning assets | $316,722,000 | 1,956 |
| Average equity | $35,663,330 | 2,057 |
| Average total loans | $288,772,670 | 1,651 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0481% | 127 |
| Cost of funding earning assets | 1.3808% | 63 |
| Net interest margin | 4.6673% | 430 |
| Noninterest income to average assets | 0.0236% | 5,524 |
| Noninterest expense to average assets | 1.5075% | 5,387 |
| Loan and lease loss provision to assets | 0.6573% | 150 |
| Net operating income to assets | 2.4364% | 162 |
| Return on assets (ROA) | 2.4364% | 164 |
| Pretax return on assets | 2.4442% | 244 |
| Return on Equity (ROE) | 21.1844% | 185 |
| Retained earnings to average equity (ytd only) | 21.1844% | 83 |
| Net charge-offs to loans | 1.9446% | 62 |
| Credit loss provision to net charge-offs | 37.8399% | 2,031 |
| Earnings coverage of net charge-offs (x) | 1.7855% | 2,520 |
| Efficiency ratio | 32.7071% | 5,546 |
| Assets per employee ($millions) | 13.8599% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 362 |
| Loan loss allowance to noncurrent loans | 91.8624% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 2.1642% | 491 |
| Noncurrent loans to loans | 2.4396% | 565 |
| Net loans and leases to total assets | 86.7220% | 212 |
| Net loans and leases to deposits | 99.2922% | 764 |
| Net loans and leases to core deposits | 131.5749% | 312 |
| Total domestic deposits to total assets | 87.3402% | 1,986 |
| Equity capital to assets | 11.7471% | 1,954 |
| Core capital (leverage) ratio | 12.0837% | 1,605 |
| Tier 1 risk-based capital ratio | 11.6688% | 4,757 |
| Total risk-based capital ratio | 12.9283% | 4,644 |
| Memoranda: | ||
| Average total assets | $304,880,500 | 2,162 |
| Average earning assets | $299,532,500 | 2,063 |
| Average equity | $35,063,500 | 2,096 |
| Average total loans | $272,345,500 | 1,728 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 133 |
| Cost of funding earning assets | 1.2900% | 54 |
| Net interest margin | 4.7154% | 411 |
| Noninterest income to average assets | 0.0201% | 5,582 |
| Noninterest expense to average assets | 1.4938% | 5,479 |
| Loan and lease loss provision to assets | 0.8020% | 141 |
| Net operating income to assets | 2.3507% | 147 |
| Return on assets (ROA) | 2.3507% | 147 |
| Pretax return on assets | 2.3543% | 237 |
| Return on Equity (ROE) | 20.9159% | 165 |
| Retained earnings to average equity (ytd only) | 19.3611% | 45 |
| Net charge-offs to loans | -0.1470% | 5,463 |
| Credit loss provision to net charge-offs | -610.6557% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1244% | 5,620 |
| Assets per employee ($millions) | 14.5164% | 104 |
| Cash dividends to net income (ytd only)* | 7.4340% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5110% | 243 |
| Loan loss allowance to noncurrent loans | 98.3993% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.2953% | 432 |
| Noncurrent loans to loans | 2.5518% | 515 |
| Net loans and leases to total assets | 87.6888% | 155 |
| Net loans and leases to deposits | 99.9951% | 727 |
| Net loans and leases to core deposits | 129.9906% | 340 |
| Total domestic deposits to total assets | 87.6930% | 1,659 |
| Equity capital to assets | 11.2543% | 2,395 |
| Core capital (leverage) ratio | 11.7581% | 1,752 |
| Tier 1 risk-based capital ratio | 11.2668% | 5,004 |
| Total risk-based capital ratio | 12.5296% | 4,870 |
| Memoranda: | ||
| Average total assets | $278,686,800 | 2,297 |
| Average earning assets | $273,634,400 | 2,189 |
| Average equity | $31,320,600 | 2,269 |
| Average total loans | $248,995,200 | 1,826 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0293% | 128 |
| Cost of funding earning assets | 1.2651% | 53 |
| Net interest margin | 4.7641% | 368 |
| Noninterest income to average assets | 0.0338% | 5,633 |
| Noninterest expense to average assets | 1.4688% | 5,539 |
| Loan and lease loss provision to assets | 0.7163% | 156 |
| Net operating income to assets | 2.5206% | 132 |
| Return on assets (ROA) | 2.5206% | 132 |
| Pretax return on assets | 2.5255% | 198 |
| Return on Equity (ROE) | 22.4370% | 124 |
| Retained earnings to average equity (ytd only) | 20.3132% | 49 |
| Net charge-offs to loans | -0.1752% | 5,502 |
| Credit loss provision to net charge-offs | -458.3072% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1804% | 5,688 |
| Assets per employee ($millions) | 13.2281% | 137 |
| Cash dividends to net income (ytd only)* | 9.4655% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3283% | 333 |
| Loan loss allowance to noncurrent loans | 90.0252% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.3150% | 498 |
| Noncurrent loans to loans | 2.5863% | 568 |
| Net loans and leases to total assets | 87.4238% | 177 |
| Net loans and leases to deposits | 98.9311% | 829 |
| Net loans and leases to core deposits | 129.5009% | 349 |
| Total domestic deposits to total assets | 88.3685% | 1,188 |
| Equity capital to assets | 11.3752% | 2,492 |
| Core capital (leverage) ratio | 11.5399% | 1,987 |
| Tier 1 risk-based capital ratio | 11.2650% | 5,101 |
| Total risk-based capital ratio | 12.5258% | 4,984 |
| Memoranda: | ||
| Average total assets | $272,147,500 | 2,349 |
| Average earning assets | $267,156,500 | 2,240 |
| Average equity | $30,573,750 | 2,335 |
| Average total loans | $242,694,250 | 1,873 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9962% | 125 |
| Cost of funding earning assets | 1.2248% | 56 |
| Net interest margin | 4.7713% | 347 |
| Noninterest income to average assets | 0.0444% | 5,661 |
| Noninterest expense to average assets | 1.5016% | 5,570 |
| Loan and lease loss provision to assets | 0.7282% | 146 |
| Net operating income to assets | 2.4931% | 130 |
| Return on assets (ROA) | 2.4931% | 129 |
| Pretax return on assets | 2.5006% | 211 |
| Return on Equity (ROE) | 22.2937% | 125 |
| Retained earnings to average equity (ytd only) | 19.0176% | 67 |
| Net charge-offs to loans | -0.3708% | 5,667 |
| Credit loss provision to net charge-offs | -220.5011% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7430% | 5,734 |
| Assets per employee ($millions) | 14.2372% | 101 |
| Cash dividends to net income (ytd only)* | 14.6952% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2566% | 398 |
| Loan loss allowance to noncurrent loans | 90.4626% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.2094% | 536 |
| Noncurrent loans to loans | 2.4945% | 605 |
| Net loans and leases to total assets | 86.5690% | 238 |
| Net loans and leases to deposits | 97.5365% | 933 |
| Net loans and leases to core deposits | 128.3339% | 334 |
| Total domestic deposits to total assets | 88.7555% | 1,079 |
| Equity capital to assets | 11.0004% | 2,802 |
| Core capital (leverage) ratio | 11.3813% | 2,062 |
| Tier 1 risk-based capital ratio | 10.9437% | 5,279 |
| Total risk-based capital ratio | 12.2038% | 5,175 |
| Memoranda: | ||
| Average total assets | $265,857,000 | 2,400 |
| Average earning assets | $261,100,330 | 2,293 |
| Average equity | $29,730,330 | 2,388 |
| Average total loans | $236,764,000 | 1,911 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 126 |
| Cost of funding earning assets | 1.1878% | 60 |
| Net interest margin | 4.7927% | 316 |
| Noninterest income to average assets | 0.0796% | 5,648 |
| Noninterest expense to average assets | 1.5709% | 5,583 |
| Loan and lease loss provision to assets | 1.1154% | 76 |
| Net operating income to assets | 2.0888% | 264 |
| Return on assets (ROA) | 2.0888% | 271 |
| Pretax return on assets | 2.0951% | 413 |
| Return on Equity (ROE) | 18.5111% | 311 |
| Retained earnings to average equity (ytd only) | 18.5111% | 132 |
| Net charge-offs to loans | -0.4995% | 5,743 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8548% | 5,782 |
| Assets per employee ($millions) | 12.5660% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2308% | 455 |
| Loan loss allowance to noncurrent loans | 110.2190% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.8171% | 776 |
| Noncurrent loans to loans | 2.0239% | 877 |
| Net loans and leases to total assets | 87.7769% | 117 |
| Net loans and leases to deposits | 99.8397% | 625 |
| Net loans and leases to core deposits | 125.4482% | 331 |
| Total domestic deposits to total assets | 87.9178% | 1,763 |
| Equity capital to assets | 11.2113% | 2,419 |
| Core capital (leverage) ratio | 11.6483% | 1,856 |
| Tier 1 risk-based capital ratio | 10.9235% | 5,347 |
| Total risk-based capital ratio | 12.1829% | 5,263 |
| Memoranda: | ||
| Average total assets | $256,413,500 | 2,491 |
| Average earning assets | $251,548,000 | 2,386 |
| Average equity | $28,934,000 | 2,445 |
| Average total loans | $229,050,500 | 1,961 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 193 |
| Cost of funding earning assets | 1.1502% | 68 |
| Net interest margin | 4.5406% | 567 |
| Noninterest income to average assets | 0.0022% | 5,848 |
| Noninterest expense to average assets | 1.6343% | 5,622 |
| Loan and lease loss provision to assets | 1.4237% | 66 |
| Net operating income to assets | 1.3901% | 1,027 |
| Return on assets (ROA) | 1.3901% | 1,061 |
| Pretax return on assets | 1.3953% | 1,958 |
| Return on Equity (ROE) | 11.8968% | 1,271 |
| Retained earnings to average equity (ytd only) | 11.8968% | 227 |
| Net charge-offs to loans | 0.7993% | 252 |
| Credit loss provision to net charge-offs | 201.6708% | 1,406 |
| Earnings coverage of net charge-offs (x) | 3.9932% | 3,580 |
| Efficiency ratio | 36.6981% | 5,820 |
| Assets per employee ($millions) | 13.1022% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9368% | 748 |
| Loan loss allowance to noncurrent loans | 75.1843% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.2889% | 548 |
| Noncurrent loans to loans | 2.5761% | 597 |
| Net loans and leases to total assets | 87.1295% | 173 |
| Net loans and leases to deposits | 99.6595% | 688 |
| Net loans and leases to core deposits | 126.1828% | 344 |
| Total domestic deposits to total assets | 87.4272% | 1,918 |
| Equity capital to assets | 11.3613% | 2,281 |
| Core capital (leverage) ratio | 12.0416% | 1,571 |
| Tier 1 risk-based capital ratio | 11.6191% | 4,977 |
| Total risk-based capital ratio | 12.8761% | 4,878 |
| Memoranda: | ||
| Average total assets | $228,910,400 | 2,674 |
| Average earning assets | $224,397,400 | 2,552 |
| Average equity | $26,746,600 | 2,590 |
| Average total loans | $202,182,200 | 2,105 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 180 |
| Cost of funding earning assets | 1.1442% | 69 |
| Net interest margin | 4.5889% | 518 |
| Noninterest income to average assets | -0.0018% | 5,935 |
| Noninterest expense to average assets | 1.6417% | 5,656 |
| Loan and lease loss provision to assets | 1.6394% | 55 |
| Net operating income to assets | 1.2088% | 1,615 |
| Return on assets (ROA) | 1.2088% | 1,712 |
| Pretax return on assets | 1.2166% | 2,772 |
| Return on Equity (ROE) | 10.2669% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.2669% | 522 |
| Net charge-offs to loans | 0.8097% | 219 |
| Credit loss provision to net charge-offs | 229.6080% | 1,286 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,327 |
| Efficiency ratio | 36.5021% | 5,885 |
| Assets per employee ($millions) | 12.4079% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 732 |
| Loan loss allowance to noncurrent loans | 62.5559% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.8445% | 429 |
| Noncurrent loans to loans | 3.1924% | 449 |
| Net loans and leases to total assets | 87.3247% | 176 |
| Net loans and leases to deposits | 101.0316% | 637 |
| Net loans and leases to core deposits | 126.6202% | 358 |
| Total domestic deposits to total assets | 86.4331% | 2,152 |
| Equity capital to assets | 11.6517% | 2,399 |
| Core capital (leverage) ratio | 11.7810% | 1,823 |
| Tier 1 risk-based capital ratio | 11.4717% | 5,104 |
| Total risk-based capital ratio | 12.7290% | 5,012 |
| Memoranda: | ||
| Average total assets | $223,902,500 | 2,730 |
| Average earning assets | $219,537,750 | 2,612 |
| Average equity | $26,362,500 | 2,628 |
| Average total loans | $197,431,250 | 2,145 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 177 |
| Cost of funding earning assets | 1.1242% | 78 |
| Net interest margin | 4.6211% | 489 |
| Noninterest income to average assets | 0.0164% | 5,973 |
| Noninterest expense to average assets | 1.7176% | 5,677 |
| Loan and lease loss provision to assets | 1.8077% | 46 |
| Net operating income to assets | 1.0075% | 2,357 |
| Return on assets (ROA) | 1.0075% | 2,489 |
| Pretax return on assets | 1.0211% | 3,508 |
| Return on Equity (ROE) | 8.5252% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.5252% | 1,001 |
| Net charge-offs to loans | 0.6480% | 316 |
| Credit loss provision to net charge-offs | 317.5719% | 923 |
| Earnings coverage of net charge-offs (x) | 4.9696% | 2,910 |
| Efficiency ratio | 37.7800% | 5,947 |
| Assets per employee ($millions) | 12.2277% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 809 |
| Loan loss allowance to noncurrent loans | 76.5831% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 664 |
| Noncurrent loans to loans | 2.5533% | 673 |
| Net loans and leases to total assets | 86.3915% | 228 |
| Net loans and leases to deposits | 97.8152% | 907 |
| Net loans and leases to core deposits | 124.0198% | 408 |
| Total domestic deposits to total assets | 88.3212% | 1,264 |
| Equity capital to assets | 11.4387% | 2,609 |
| Core capital (leverage) ratio | 11.5362% | 1,963 |
| Tier 1 risk-based capital ratio | 11.1402% | 5,336 |
| Total risk-based capital ratio | 12.3970% | 5,258 |
| Memoranda: | ||
| Average total assets | $219,953,330 | 2,773 |
| Average earning assets | $215,621,670 | 2,660 |
| Average equity | $25,993,670 | 2,667 |
| Average total loans | $193,220,670 | 2,184 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 214 |
| Cost of funding earning assets | 1.0865% | 100 |
| Net interest margin | 4.5403% | 566 |
| Noninterest income to average assets | 0.0187% | 6,038 |
| Noninterest expense to average assets | 1.7440% | 5,710 |
| Loan and lease loss provision to assets | 0.8289% | 124 |
| Net operating income to assets | 1.8731% | 420 |
| Return on assets (ROA) | 1.8731% | 448 |
| Pretax return on assets | 1.9030% | 688 |
| Return on Equity (ROE) | 15.5779% | 591 |
| Retained earnings to average equity (ytd only) | 15.5779% | 213 |
| Net charge-offs to loans | -0.5441% | 6,004 |
| Credit loss provision to net charge-offs | -173.7255% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9632% | 5,985 |
| Assets per employee ($millions) | 12.3231% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 1,402 |
| Loan loss allowance to noncurrent loans | 73.9207% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.0364% | 845 |
| Noncurrent loans to loans | 2.2783% | 884 |
| Net loans and leases to total assets | 87.8751% | 122 |
| Net loans and leases to deposits | 103.5921% | 431 |
| Net loans and leases to core deposits | 126.5680% | 327 |
| Total domestic deposits to total assets | 84.8280% | 3,193 |
| Equity capital to assets | 11.8986% | 2,090 |
| Core capital (leverage) ratio | 12.3757% | 1,393 |
| Tier 1 risk-based capital ratio | 11.8478% | 5,013 |
| Total risk-based capital ratio | 13.1017% | 4,916 |
| Memoranda: | ||
| Average total assets | $213,767,000 | 2,847 |
| Average earning assets | $209,855,500 | 2,719 |
| Average equity | $25,703,000 | 2,686 |
| Average total loans | $187,474,500 | 2,233 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6353% | 222 |
| Cost of funding earning assets | 0.9459% | 228 |
| Net interest margin | 4.6894% | 456 |
| Noninterest income to average assets | 0.0761% | 5,932 |
| Noninterest expense to average assets | 2.0526% | 5,345 |
| Loan and lease loss provision to assets | 0.7876% | 123 |
| Net operating income to assets | 1.8208% | 468 |
| Return on assets (ROA) | 1.8592% | 448 |
| Pretax return on assets | 1.8620% | 708 |
| Return on Equity (ROE) | 13.8782% | 857 |
| Retained earnings to average equity (ytd only) | 7.8954% | 949 |
| Net charge-offs to loans | 0.8947% | 234 |
| Credit loss provision to net charge-offs | 103.5819% | 2,421 |
| Earnings coverage of net charge-offs (x) | 3.4342% | 3,724 |
| Efficiency ratio | 44.0114% | 5,981 |
| Assets per employee ($millions) | 12.1011% | 144 |
| Cash dividends to net income (ytd only)* | 43.1091% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,032 |
| Loan loss allowance to noncurrent loans | 81.9733% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 1,267 |
| Noncurrent loans to loans | 1.8241% | 1,193 |
| Net loans and leases to total assets | 84.6047% | 336 |
| Net loans and leases to deposits | 98.3033% | 796 |
| Net loans and leases to core deposits | 117.5239% | 559 |
| Total domestic deposits to total assets | 86.0649% | 2,607 |
| Equity capital to assets | 12.1589% | 1,841 |
| Core capital (leverage) ratio | 12.8838% | 1,193 |
| Tier 1 risk-based capital ratio | 12.2479% | 4,800 |
| Total risk-based capital ratio | 13.4994% | 4,694 |
| Memoranda: | ||
| Average total assets | $179,917,000 | 3,173 |
| Average earning assets | $176,014,000 | 3,040 |
| Average equity | $24,102,600 | 2,777 |
| Average total loans | $152,901,400 | 2,560 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6207% | 219 |
| Cost of funding earning assets | 0.9166% | 265 |
| Net interest margin | 4.7041% | 449 |
| Noninterest income to average assets | 0.0892% | 5,996 |
| Noninterest expense to average assets | 2.1813% | 5,098 |
| Loan and lease loss provision to assets | 0.2913% | 517 |
| Net operating income to assets | 2.2090% | 259 |
| Return on assets (ROA) | 2.2620% | 240 |
| Pretax return on assets | 2.2651% | 360 |
| Return on Equity (ROE) | 16.4352% | 540 |
| Retained earnings to average equity (ytd only) | 8.3823% | 1,095 |
| Net charge-offs to loans | -0.2005% | 5,996 |
| Credit loss provision to net charge-offs | -171.4932% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5628% | 5,943 |
| Assets per employee ($millions) | 10.3262% | 241 |
| Cash dividends to net income (ytd only)* | 48.9977% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 888 |
| Loan loss allowance to noncurrent loans | 62.6939% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.7401% | 587 |
| Noncurrent loans to loans | 3.2219% | 520 |
| Net loans and leases to total assets | 83.3261% | 441 |
| Net loans and leases to deposits | 96.4005% | 966 |
| Net loans and leases to core deposits | 116.6662% | 562 |
| Total domestic deposits to total assets | 86.4374% | 2,313 |
| Equity capital to assets | 13.2603% | 1,326 |
| Core capital (leverage) ratio | 13.8305% | 904 |
| Tier 1 risk-based capital ratio | 12.4738% | 4,778 |
| Total risk-based capital ratio | 13.7302% | 4,669 |
| Memoranda: | ||
| Average total assets | $173,466,750 | 3,284 |
| Average earning assets | $169,464,250 | 3,160 |
| Average equity | $23,875,000 | 2,816 |
| Average total loans | $146,954,500 | 2,646 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 213 |
| Cost of funding earning assets | 0.8972% | 296 |
| Net interest margin | 4.7535% | 398 |
| Noninterest income to average assets | 0.1110% | 5,987 |
| Noninterest expense to average assets | 2.1543% | 5,210 |
| Loan and lease loss provision to assets | 0.1146% | 1,924 |
| Net operating income to assets | 2.4744% | 169 |
| Return on assets (ROA) | 2.5559% | 166 |
| Pretax return on assets | 2.5607% | 231 |
| Return on Equity (ROE) | 18.3253% | 392 |
| Retained earnings to average equity (ytd only) | 6.1141% | 2,165 |
| Net charge-offs to loans | -0.4552% | 6,191 |
| Credit loss provision to net charge-offs | -29.7546% | 4,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3731% | 6,063 |
| Assets per employee ($millions) | 9.1019% | 358 |
| Cash dividends to net income (ytd only)* | 66.6359% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 914 |
| Loan loss allowance to noncurrent loans | 71.2766% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.4575% | 778 |
| Noncurrent loans to loans | 2.8754% | 708 |
| Net loans and leases to total assets | 83.3228% | 434 |
| Net loans and leases to deposits | 97.4227% | 844 |
| Net loans and leases to core deposits | 115.8105% | 598 |
| Total domestic deposits to total assets | 85.5271% | 2,906 |
| Equity capital to assets | 13.7952% | 1,061 |
| Core capital (leverage) ratio | 13.9211% | 864 |
| Tier 1 risk-based capital ratio | 14.2716% | 3,779 |
| Total risk-based capital ratio | 15.5289% | 3,698 |
| Memoranda: | ||
| Average total assets | $169,332,000 | 3,363 |
| Average earning assets | $165,184,330 | 3,235 |
| Average equity | $23,617,670 | 2,851 |
| Average total loans | $143,248,670 | 2,713 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 174 |
| Cost of funding earning assets | 0.8780% | 319 |
| Net interest margin | 4.8881% | 307 |
| Noninterest income to average assets | 0.0525% | 6,221 |
| Noninterest expense to average assets | 2.2492% | 5,010 |
| Loan and lease loss provision to assets | 0.0143% | 3,538 |
| Net operating income to assets | 2.5476% | 140 |
| Return on assets (ROA) | 2.7124% | 121 |
| Pretax return on assets | 2.7124% | 187 |
| Return on Equity (ROE) | 19.3378% | 300 |
| Retained earnings to average equity (ytd only) | 7.0644% | 1,986 |
| Net charge-offs to loans | -0.2066% | 6,067 |
| Credit loss provision to net charge-offs | -8.2192% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7494% | 6,075 |
| Assets per employee ($millions) | 8.5377% | 432 |
| Cash dividends to net income (ytd only)* | 63.4683% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 1,293 |
| Loan loss allowance to noncurrent loans | 117.7171% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 1,984 |
| Noncurrent loans to loans | 1.6108% | 1,730 |
| Net loans and leases to total assets | 80.9322% | 581 |
| Net loans and leases to deposits | 94.3897% | 942 |
| Net loans and leases to core deposits | 111.9459% | 659 |
| Total domestic deposits to total assets | 85.7426% | 3,070 |
| Equity capital to assets | 13.8579% | 1,031 |
| Core capital (leverage) ratio | 14.2724% | 748 |
| Tier 1 risk-based capital ratio | 15.0090% | 3,430 |
| Total risk-based capital ratio | 16.2969% | 3,333 |
| Memoranda: | ||
| Average total assets | $167,529,500 | 3,408 |
| Average earning assets | $163,089,000 | 3,278 |
| Average equity | $23,498,000 | 2,885 |
| Average total loans | $141,317,500 | 2,742 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1994% | 124 |
| Cost of funding earning assets | 0.8761% | 445 |
| Net interest margin | 5.3233% | 177 |
| Noninterest income to average assets | 0.2471% | 5,361 |
| Noninterest expense to average assets | 2.5029% | 4,536 |
| Loan and lease loss provision to assets | 0.1446% | 1,834 |
| Net operating income to assets | 2.7803% | 112 |
| Return on assets (ROA) | 2.7750% | 114 |
| Pretax return on assets | 2.7783% | 143 |
| Return on Equity (ROE) | 19.8920% | 260 |
| Retained earnings to average equity (ytd only) | 16.4950% | 114 |
| Net charge-offs to loans | 0.2046% | 2,027 |
| Credit loss provision to net charge-offs | 82.7068% | 2,814 |
| Earnings coverage of net charge-offs (x) | 16.7481% | 1,987 |
| Efficiency ratio | 46.0850% | 6,263 |
| Assets per employee ($millions) | 8.2153% | 494 |
| Cash dividends to net income (ytd only)* | 17.0772% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 1,474 |
| Loan loss allowance to noncurrent loans | 86.4576% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8368% | 1,411 |
| Noncurrent loans to loans | 2.1147% | 1,288 |
| Net loans and leases to total assets | 84.7065% | 298 |
| Net loans and leases to deposits | 99.0358% | 684 |
| Net loans and leases to core deposits | 118.0827% | 461 |
| Total domestic deposits to total assets | 85.5312% | 3,063 |
| Equity capital to assets | 14.2010% | 902 |
| Core capital (leverage) ratio | 14.2331% | 766 |
| Tier 1 risk-based capital ratio | 15.0151% | 3,479 |
| Total risk-based capital ratio | 16.2714% | 3,415 |
| Memoranda: | ||
| Average total assets | $152,144,200 | 3,600 |
| Average earning assets | $148,159,800 | 3,474 |
| Average equity | $21,224,600 | 3,028 |
| Average total loans | $129,994,400 | 2,869 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2131% | 124 |
| Cost of funding earning assets | 0.8654% | 495 |
| Net interest margin | 5.3477% | 165 |
| Noninterest income to average assets | 0.3201% | 4,871 |
| Noninterest expense to average assets | 2.6138% | 4,153 |
| Loan and lease loss provision to assets | 0.1243% | 2,010 |
| Net operating income to assets | 2.7881% | 110 |
| Return on assets (ROA) | 2.7810% | 109 |
| Pretax return on assets | 2.7855% | 142 |
| Return on Equity (ROE) | 20.0341% | 284 |
| Retained earnings to average equity (ytd only) | 15.3895% | 187 |
| Net charge-offs to loans | 0.3589% | 1,125 |
| Credit loss provision to net charge-offs | 40.6433% | 3,276 |
| Earnings coverage of net charge-offs (x) | 9.5380% | 2,658 |
| Efficiency ratio | 47.2595% | 6,235 |
| Assets per employee ($millions) | 8.5961% | 398 |
| Cash dividends to net income (ytd only)* | 23.1833% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 1,876 |
| Loan loss allowance to noncurrent loans | 77.0814% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.9464% | 1,496 |
| Noncurrent loans to loans | 2.2483% | 1,342 |
| Net loans and leases to total assets | 84.5371% | 299 |
| Net loans and leases to deposits | 98.1824% | 726 |
| Net loans and leases to core deposits | 117.5422% | 451 |
| Total domestic deposits to total assets | 86.1020% | 2,801 |
| Equity capital to assets | 13.6286% | 1,132 |
| Core capital (leverage) ratio | 13.8775% | 876 |
| Tier 1 risk-based capital ratio | 14.7101% | 3,752 |
| Total risk-based capital ratio | 15.9657% | 3,690 |
| Memoranda: | ||
| Average total assets | $149,104,000 | 3,671 |
| Average earning assets | $145,279,750 | 3,557 |
| Average equity | $20,697,500 | 3,097 |
| Average total loans | $127,050,750 | 2,928 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9974% | 149 |
| Cost of funding earning assets | 0.8533% | 546 |
| Net interest margin | 5.1441% | 220 |
| Noninterest income to average assets | 0.4821% | 3,615 |
| Noninterest expense to average assets | 2.8830% | 3,228 |
| Loan and lease loss provision to assets | 0.0319% | 3,646 |
| Net operating income to assets | 2.5630% | 129 |
| Return on assets (ROA) | 2.5630% | 132 |
| Pretax return on assets | 2.5699% | 188 |
| Return on Equity (ROE) | 18.3377% | 432 |
| Retained earnings to average equity (ytd only) | 11.1910% | 514 |
| Net charge-offs to loans | 0.0555% | 3,169 |
| Credit loss provision to net charge-offs | 67.6471% | 2,508 |
| Earnings coverage of net charge-offs (x) | 55.2353% | 860 |
| Efficiency ratio | 52.5638% | 6,026 |
| Assets per employee ($millions) | 7.8591% | 532 |
| Cash dividends to net income (ytd only)* | 38.9730% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 1,297 |
| Loan loss allowance to noncurrent loans | 111.3136% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 2,049 |
| Noncurrent loans to loans | 1.8319% | 1,871 |
| Net loans and leases to total assets | 84.5175% | 267 |
| Net loans and leases to deposits | 101.5138% | 477 |
| Net loans and leases to core deposits | 120.3823% | 367 |
| Total domestic deposits to total assets | 83.2571% | 4,209 |
| Equity capital to assets | 14.0481% | 951 |
| Core capital (leverage) ratio | 14.1621% | 786 |
| Tier 1 risk-based capital ratio | 14.3606% | 4,019 |
| Total risk-based capital ratio | 15.6186% | 3,950 |
| Memoranda: | ||
| Average total assets | $144,363,330 | 3,775 |
| Average earning assets | $140,393,330 | 3,640 |
| Average equity | $20,177,000 | 3,152 |
| Average total loans | $122,565,670 | 3,018 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0202% | 142 |
| Cost of funding earning assets | 0.8671% | 536 |
| Net interest margin | 5.1531% | 203 |
| Noninterest income to average assets | 0.9050% | 1,377 |
| Noninterest expense to average assets | 2.9968% | 2,863 |
| Loan and lease loss provision to assets | 0.0479% | 3,133 |
| Net operating income to assets | 2.8192% | 108 |
| Return on assets (ROA) | 2.8192% | 112 |
| Pretax return on assets | 2.8530% | 157 |
| Return on Equity (ROE) | 20.2255% | 273 |
| Retained earnings to average equity (ytd only) | 5.6429% | 2,721 |
| Net charge-offs to loans | -0.4119% | 6,523 |
| Credit loss provision to net charge-offs | -13.8211% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8126% | 6,205 |
| Assets per employee ($millions) | 7.6549% | 579 |
| Cash dividends to net income (ytd only)* | 72.1000% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2696% | 1,071 |
| Loan loss allowance to noncurrent loans | 106.8051% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.8461% | 1,883 |
| Noncurrent loans to loans | 2.1250% | 1,726 |
| Net loans and leases to total assets | 82.2460% | 340 |
| Net loans and leases to deposits | 96.2024% | 646 |
| Net loans and leases to core deposits | 114.0410% | 464 |
| Total domestic deposits to total assets | 85.4926% | 3,616 |
| Equity capital to assets | 13.7490% | 1,013 |
| Core capital (leverage) ratio | 13.9347% | 841 |
| Tier 1 risk-based capital ratio | 14.9340% | 3,748 |
| Total risk-based capital ratio | 16.1945% | 3,694 |
| Memoranda: | ||
| Average total assets | $141,883,500 | 3,852 |
| Average earning assets | $137,471,500 | 3,709 |
| Average equity | $19,777,000 | 3,191 |
| Average total loans | $119,433,000 | 3,080 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2492% | 114 |
| Cost of funding earning assets | 0.8689% | 869 |
| Net interest margin | 5.3803% | 164 |
| Noninterest income to average assets | -0.1265% | 6,730 |
| Noninterest expense to average assets | 2.6366% | 4,330 |
| Loan and lease loss provision to assets | 0.1589% | 2,296 |
| Net operating income to assets | 2.2828% | 215 |
| Return on assets (ROA) | 2.2960% | 215 |
| Pretax return on assets | 2.2982% | 265 |
| Return on Equity (ROE) | 17.2792% | 479 |
| Retained earnings to average equity (ytd only) | 17.2792% | 119 |
| Net charge-offs to loans | 0.3275% | 2,040 |
| Credit loss provision to net charge-offs | 58.2210% | 3,616 |
| Earnings coverage of net charge-offs (x) | 8.9542% | 2,577 |
| Efficiency ratio | 51.8969% | 6,305 |
| Assets per employee ($millions) | 7.2802% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2650% | 1,091 |
| Loan loss allowance to noncurrent loans | 298.4163% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1761% | 1,644 |
| Noncurrent loans to loans | 0.7590% | 4,072 |
| Net loans and leases to total assets | 82.2916% | 390 |
| Net loans and leases to deposits | 96.0688% | 728 |
| Net loans and leases to core deposits | 114.6095% | 455 |
| Total domestic deposits to total assets | 85.6590% | 3,422 |
| Equity capital to assets | 14.1385% | 863 |
| Core capital (leverage) ratio | 14.2113% | 767 |
| Tier 1 risk-based capital ratio | 16.4578% | 2,875 |
| Total risk-based capital ratio | 17.7196% | 2,830 |
| Memoranda: | ||
| Average total assets | $135,930,400 | 3,959 |
| Average earning assets | $131,553,200 | 3,810 |
| Average equity | $18,062,200 | 3,406 |
| Average total loans | $113,269,600 | 3,185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2847% | 122 |
| Cost of funding earning assets | 0.8647% | 973 |
| Net interest margin | 5.4200% | 153 |
| Noninterest income to average assets | -0.3202% | 6,854 |
| Noninterest expense to average assets | 2.6492% | 4,204 |
| Loan and lease loss provision to assets | 0.2069% | 1,755 |
| Net operating income to assets | 2.0758% | 316 |
| Return on assets (ROA) | 2.0886% | 320 |
| Pretax return on assets | 2.0916% | 477 |
| Return on Equity (ROE) | 15.9799% | 652 |
| Retained earnings to average equity (ytd only) | 15.9799% | 161 |
| Net charge-offs to loans | 0.6354% | 971 |
| Credit loss provision to net charge-offs | 39.1791% | 3,718 |
| Earnings coverage of net charge-offs (x) | 4.3284% | 3,468 |
| Efficiency ratio | 53.6834% | 6,130 |
| Assets per employee ($millions) | 7.2003% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1634% | 1,393 |
| Loan loss allowance to noncurrent loans | 1,854.8872% | 279 |
| Noncurrent assets plus other real estate owned to assets | 1.6513% | 2,492 |
| Noncurrent loans to loans | 0.1166% | 5,978 |
| Net loans and leases to total assets | 81.5518% | 403 |
| Net loans and leases to deposits | 96.6450% | 648 |
| Net loans and leases to core deposits | 113.0250% | 476 |
| Total domestic deposits to total assets | 84.3829% | 4,036 |
| Equity capital to assets | 13.6055% | 1,076 |
| Core capital (leverage) ratio | 13.4357% | 1,050 |
| Tier 1 risk-based capital ratio | 16.1266% | 3,117 |
| Total risk-based capital ratio | 17.3881% | 3,072 |
| Memoranda: | ||
| Average total assets | $135,332,000 | 4,006 |
| Average earning assets | $131,215,250 | 3,860 |
| Average equity | $17,688,500 | 3,506 |
| Average total loans | $112,470,250 | 3,219 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1746% | 136 |
| Cost of funding earning assets | 0.8503% | 1,135 |
| Net interest margin | 5.3243% | 179 |
| Noninterest income to average assets | 0.0311% | 6,724 |
| Noninterest expense to average assets | 2.5942% | 4,407 |
| Loan and lease loss provision to assets | 0.3070% | 1,161 |
| Net operating income to assets | 2.3064% | 215 |
| Return on assets (ROA) | 2.3257% | 220 |
| Pretax return on assets | 2.3316% | 335 |
| Return on Equity (ROE) | 18.0434% | 452 |
| Retained earnings to average equity (ytd only) | 18.0434% | 123 |
| Net charge-offs to loans | 1.0147% | 597 |
| Credit loss provision to net charge-offs | 36.4437% | 3,484 |
| Earnings coverage of net charge-offs (x) | 3.1092% | 3,493 |
| Efficiency ratio | 49.7582% | 6,449 |
| Assets per employee ($millions) | 7.2784% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 1,652 |
| Loan loss allowance to noncurrent loans | 90.7463% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 2,058 |
| Noncurrent loans to loans | 2.3021% | 2,053 |
| Net loans and leases to total assets | 82.4230% | 330 |
| Net loans and leases to deposits | 97.7866% | 553 |
| Net loans and leases to core deposits | 118.6015% | 337 |
| Total domestic deposits to total assets | 84.2887% | 4,206 |
| Equity capital to assets | 13.1269% | 1,297 |
| Core capital (leverage) ratio | 12.8858% | 1,208 |
| Tier 1 risk-based capital ratio | 15.3535% | 3,562 |
| Total risk-based capital ratio | 16.6143% | 3,513 |
| Memoranda: | ||
| Average total assets | $134,841,000 | 4,047 |
| Average earning assets | $131,248,330 | 3,878 |
| Average equity | $17,380,330 | 3,563 |
| Average total loans | $111,949,000 | 3,232 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0592% | 152 |
| Cost of funding earning assets | 0.7972% | 1,543 |
| Net interest margin | 5.2620% | 179 |
| Noninterest income to average assets | 0.0391% | 6,765 |
| Noninterest expense to average assets | 2.5782% | 4,480 |
| Loan and lease loss provision to assets | 0.3125% | 1,089 |
| Net operating income to assets | 2.2540% | 216 |
| Return on assets (ROA) | 2.2927% | 226 |
| Pretax return on assets | 2.3047% | 355 |
| Return on Equity (ROE) | 17.9593% | 435 |
| Retained earnings to average equity (ytd only) | 17.9593% | 200 |
| Net charge-offs to loans | -0.8568% | 6,919 |
| Credit loss provision to net charge-offs | -44.2553% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,501 |
| Assets per employee ($millions) | 7.5692% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7209% | 891 |
| Loan loss allowance to noncurrent loans | 89.3581% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.7091% | 1,674 |
| Noncurrent loans to loans | 3.0449% | 1,639 |
| Net loans and leases to total assets | 77.8638% | 626 |
| Net loans and leases to deposits | 95.0876% | 598 |
| Net loans and leases to core deposits | 113.9851% | 391 |
| Total domestic deposits to total assets | 81.8863% | 5,235 |
| Equity capital to assets | 12.0545% | 2,005 |
| Core capital (leverage) ratio | 12.8814% | 1,161 |
| Tier 1 risk-based capital ratio | 13.5323% | 4,848 |
| Total risk-based capital ratio | 14.7987% | 4,793 |
| Memoranda: | ||
| Average total assets | $133,117,000 | 4,119 |
| Average earning assets | $129,457,000 | 3,952 |
| Average equity | $16,994,000 | 3,675 |
| Average total loans | $109,716,500 | 3,290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6153% | 115 |
| Cost of funding earning assets | 0.9566% | 1,603 |
| Net interest margin | 5.6587% | 139 |
| Noninterest income to average assets | -0.3336% | 7,004 |
| Noninterest expense to average assets | 3.4143% | 2,016 |
| Loan and lease loss provision to assets | 0.1432% | 3,814 |
| Net operating income to assets | 1.5220% | 879 |
| Return on assets (ROA) | 1.5220% | 970 |
| Pretax return on assets | 1.5220% | 1,616 |
| Return on Equity (ROE) | 10.4515% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.4515% | 517 |
| Net charge-offs to loans | -0.2522% | 6,957 |
| Credit loss provision to net charge-offs | -70.0461% | 6,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2171% | 4,290 |
| Assets per employee ($millions) | 6.4432% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6773% | 948 |
| Loan loss allowance to noncurrent loans | 4,231.8182% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 5,511 |
| Noncurrent loans to loans | 0.0633% | 6,332 |
| Net loans and leases to total assets | 82.9350% | 274 |
| Net loans and leases to deposits | 103.9851% | 264 |
| Net loans and leases to core deposits | 115.1344% | 380 |
| Total domestic deposits to total assets | 79.7566% | 5,728 |
| Equity capital to assets | 13.6024% | 1,192 |
| Core capital (leverage) ratio | 14.2553% | 727 |
| Tier 1 risk-based capital ratio | 13.5807% | 4,689 |
| Total risk-based capital ratio | 14.8461% | 4,625 |
| Memoranda: | ||
| Average total assets | $106,111,200 | 4,676 |
| Average earning assets | $101,507,800 | 4,561 |
| Average equity | $15,452,400 | 3,867 |
| Average total loans | $86,031,200 | 3,846 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6734% | 112 |
| Cost of funding earning assets | 1.0080% | 1,507 |
| Net interest margin | 5.6654% | 148 |
| Noninterest income to average assets | -0.4861% | 7,130 |
| Noninterest expense to average assets | 3.3112% | 2,239 |
| Loan and lease loss provision to assets | 0.1921% | 3,186 |
| Net operating income to assets | 1.4086% | 1,205 |
| Return on assets (ROA) | 1.4086% | 1,323 |
| Pretax return on assets | 1.4086% | 2,205 |
| Return on Equity (ROE) | 9.4856% | 2,597 |
| Retained earnings to average equity (ytd only) | 9.4856% | 1,069 |
| Net charge-offs to loans | -0.3061% | 7,050 |
| Credit loss provision to net charge-offs | -78.6096% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4115% | 4,194 |
| Assets per employee ($millions) | 5.8012% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1631% | 622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 5,502 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 80.8594% | 444 |
| Net loans and leases to deposits | 105.3055% | 251 |
| Net loans and leases to core deposits | 109.5363% | 590 |
| Total domestic deposits to total assets | 76.7855% | 6,268 |
| Equity capital to assets | 15.2841% | 756 |
| Core capital (leverage) ratio | 14.6104% | 683 |
| Tier 1 risk-based capital ratio | 15.4855% | 3,547 |
| Total risk-based capital ratio | 16.7563% | 3,496 |
| Memoranda: | ||
| Average total assets | $102,034,000 | 4,825 |
| Average earning assets | $97,218,750 | 4,710 |
| Average equity | $15,152,500 | 3,963 |
| Average total loans | $81,458,500 | 4,037 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6095% | 131 |
| Cost of funding earning assets | 1.0224% | 1,633 |
| Net interest margin | 5.5870% | 156 |
| Noninterest income to average assets | 0.1264% | 6,554 |
| Noninterest expense to average assets | 4.2731% | 670 |
| Loan and lease loss provision to assets | 0.2786% | 2,356 |
| Net operating income to assets | 0.8752% | 3,017 |
| Return on assets (ROA) | 0.8752% | 3,275 |
| Pretax return on assets | 0.8752% | 4,178 |
| Return on Equity (ROE) | 5.9530% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.9530% | 2,736 |
| Net charge-offs to loans | -0.4174% | 7,109 |
| Credit loss provision to net charge-offs | -84.9398% | 6,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7404% | 2,362 |
| Assets per employee ($millions) | 5.9648% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3766% | 552 |
| Loan loss allowance to noncurrent loans | 929.2517% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 4,517 |
| Noncurrent loans to loans | 0.3634% | 5,818 |
| Net loans and leases to total assets | 77.0961% | 836 |
| Net loans and leases to deposits | 94.6590% | 722 |
| Net loans and leases to core deposits | 98.5441% | 1,214 |
| Total domestic deposits to total assets | 81.4461% | 5,315 |
| Equity capital to assets | 14.9859% | 792 |
| Core capital (leverage) ratio | 14.2665% | 744 |
| Tier 1 risk-based capital ratio | 16.6978% | 2,807 |
| Total risk-based capital ratio | 17.9726% | 2,748 |
| Memoranda: | ||
| Average total assets | $101,238,000 | 4,876 |
| Average earning assets | $96,044,000 | 4,766 |
| Average equity | $14,883,330 | 4,011 |
| Average total loans | $79,547,000 | 4,116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6525% | 138 |
| Cost of funding earning assets | 1.0709% | 1,546 |
| Net interest margin | 5.5815% | 163 |
| Noninterest income to average assets | 0.3163% | 5,343 |
| Noninterest expense to average assets | 4.9152% | 388 |
| Loan and lease loss provision to assets | 0.2570% | 2,399 |
| Net operating income to assets | 0.3994% | 5,260 |
| Return on assets (ROA) | 0.3994% | 5,445 |
| Pretax return on assets | 0.3994% | 5,729 |
| Return on Equity (ROE) | 2.7433% | 5,812 |
| Retained earnings to average equity (ytd only) | 2.7433% | 4,885 |
| Net charge-offs to loans | -0.1724% | 6,953 |
| Credit loss provision to net charge-offs | -191.1765% | 5,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2186% | 1,264 |
| Assets per employee ($millions) | 6.0215% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1004% | 762 |
| Loan loss allowance to noncurrent loans | 811.2540% | 467 |
| Noncurrent assets plus other real estate owned to assets | 1.8932% | 3,053 |
| Noncurrent loans to loans | 0.3822% | 5,909 |
| Net loans and leases to total assets | 77.0312% | 696 |
| Net loans and leases to deposits | 93.5197% | 697 |
| Net loans and leases to core deposits | 97.3566% | 1,177 |
| Total domestic deposits to total assets | 82.3690% | 5,170 |
| Equity capital to assets | 14.3907% | 896 |
| Core capital (leverage) ratio | 13.9261% | 822 |
| Tier 1 risk-based capital ratio | 16.5255% | 2,899 |
| Total risk-based capital ratio | 17.7980% | 2,851 |
| Memoranda: | ||
| Average total assets | $101,156,000 | 4,911 |
| Average earning assets | $95,243,000 | 4,811 |
| Average equity | $14,727,000 | 4,051 |
| Average total loans | $78,866,000 | 4,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6472% | 150 |
| Cost of funding earning assets | 1.3827% | 1,113 |
| Net interest margin | 5.2644% | 256 |
| Noninterest income to average assets | 0.2448% | 5,788 |
| Noninterest expense to average assets | 3.8255% | 1,298 |
| Loan and lease loss provision to assets | 0.6674% | 1,534 |
| Net operating income to assets | 0.6635% | 3,671 |
| Return on assets (ROA) | 0.7266% | 3,529 |
| Pretax return on assets | 0.7266% | 4,232 |
| Return on Equity (ROE) | 5.4182% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.4182% | 2,356 |
| Net charge-offs to loans | 1.9373% | 731 |
| Credit loss provision to net charge-offs | 45.0787% | 5,532 |
| Earnings coverage of net charge-offs (x) | 0.8990% | 5,135 |
| Efficiency ratio | 74.1899% | 3,202 |
| Assets per employee ($millions) | 5.5526% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1746% | 698 |
| Loan loss allowance to noncurrent loans | 571.6981% | 620 |
| Noncurrent assets plus other real estate owned to assets | 2.9766% | 2,019 |
| Noncurrent loans to loans | 0.5553% | 5,609 |
| Net loans and leases to total assets | 73.9712% | 1,280 |
| Net loans and leases to deposits | 89.2963% | 1,225 |
| Net loans and leases to core deposits | 93.0079% | 1,798 |
| Total domestic deposits to total assets | 82.8379% | 4,815 |
| Equity capital to assets | 14.7308% | 839 |
| Core capital (leverage) ratio | 13.4863% | 969 |
| Tier 1 risk-based capital ratio | 17.4063% | 2,416 |
| Total risk-based capital ratio | 18.6784% | 2,376 |
| Memoranda: | ||
| Average total assets | $102,939,600 | 4,820 |
| Average earning assets | $96,040,800 | 4,749 |
| Average equity | $13,805,200 | 4,157 |
| Average total loans | $78,667,600 | 4,181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5084% | 192 |
| Cost of funding earning assets | 1.4403% | 1,063 |
| Net interest margin | 5.0681% | 364 |
| Noninterest income to average assets | 0.0167% | 7,059 |
| Noninterest expense to average assets | 3.5323% | 1,853 |
| Loan and lease loss provision to assets | 0.1517% | 4,558 |
| Net operating income to assets | 1.0519% | 2,134 |
| Return on assets (ROA) | 1.1354% | 1,981 |
| Pretax return on assets | 1.1354% | 2,871 |
| Return on Equity (ROE) | 8.6721% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.6721% | 1,257 |
| Net charge-offs to loans | 0.6511% | 2,298 |
| Credit loss provision to net charge-offs | 30.4910% | 5,406 |
| Earnings coverage of net charge-offs (x) | 2.4186% | 3,913 |
| Efficiency ratio | 74.5859% | 3,071 |
| Assets per employee ($millions) | 6.1687% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7006% | 489 |
| Loan loss allowance to noncurrent loans | 1,391.6279% | 278 |
| Noncurrent assets plus other real estate owned to assets | 3.5225% | 1,788 |
| Noncurrent loans to loans | 0.2659% | 6,342 |
| Net loans and leases to total assets | 74.2448% | 1,296 |
| Net loans and leases to deposits | 89.8287% | 1,235 |
| Net loans and leases to core deposits | 95.0265% | 1,696 |
| Total domestic deposits to total assets | 82.6515% | 4,821 |
| Equity capital to assets | 14.1464% | 1,102 |
| Core capital (leverage) ratio | 13.6118% | 1,013 |
| Tier 1 risk-based capital ratio | 16.3334% | 2,951 |
| Total risk-based capital ratio | 17.6113% | 2,901 |
| Memoranda: | ||
| Average total assets | $103,687,750 | 4,822 |
| Average earning assets | $96,550,000 | 4,758 |
| Average equity | $13,575,750 | 4,221 |
| Average total loans | $79,245,500 | 4,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4409% | 224 |
| Cost of funding earning assets | 1.5071% | 986 |
| Net interest margin | 4.9339% | 449 |
| Noninterest income to average assets | -0.0368% | 7,243 |
| Noninterest expense to average assets | 3.3981% | 2,264 |
| Loan and lease loss provision to assets | 0.0232% | 6,004 |
| Net operating income to assets | 1.1249% | 1,804 |
| Return on assets (ROA) | 1.1249% | 1,883 |
| Pretax return on assets | 1.1249% | 2,753 |
| Return on Equity (ROE) | 8.8325% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.8325% | 1,162 |
| Net charge-offs to loans | 0.9046% | 1,721 |
| Credit loss provision to net charge-offs | 3.3708% | 5,307 |
| Earnings coverage of net charge-offs (x) | 1.6657% | 4,042 |
| Efficiency ratio | 74.7445% | 3,229 |
| Assets per employee ($millions) | 5.7056% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6783% | 520 |
| Loan loss allowance to noncurrent loans | 551.4178% | 612 |
| Noncurrent assets plus other real estate owned to assets | 3.9357% | 1,639 |
| Noncurrent loans to loans | 0.6671% | 5,575 |
| Net loans and leases to total assets | 74.3778% | 1,346 |
| Net loans and leases to deposits | 89.8500% | 1,292 |
| Net loans and leases to core deposits | 95.4109% | 1,739 |
| Total domestic deposits to total assets | 82.7799% | 4,863 |
| Equity capital to assets | 14.0380% | 1,086 |
| Core capital (leverage) ratio | 13.4856% | 1,000 |
| Tier 1 risk-based capital ratio | 16.2584% | 2,853 |
| Total risk-based capital ratio | 17.5359% | 2,810 |
| Memoranda: | ||
| Average total assets | $103,294,330 | 4,877 |
| Average earning assets | $95,949,000 | 4,822 |
| Average equity | $13,156,000 | 4,304 |
| Average total loans | $78,710,330 | 4,266 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3505% | 261 |
| Cost of funding earning assets | 1.5866% | 860 |
| Net interest margin | 4.7639% | 617 |
| Noninterest income to average assets | 0.1892% | 6,370 |
| Noninterest expense to average assets | 3.8343% | 1,281 |
| Loan and lease loss provision to assets | 0.0232% | 5,670 |
| Net operating income to assets | 0.7491% | 3,277 |
| Return on assets (ROA) | 0.7491% | 3,344 |
| Pretax return on assets | 0.7491% | 4,098 |
| Return on Equity (ROE) | 6.1954% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.1954% | 2,528 |
| Net charge-offs to loans | 1.3671% | 1,008 |
| Credit loss provision to net charge-offs | 2.2388% | 4,458 |
| Earnings coverage of net charge-offs (x) | 0.7463% | 4,076 |
| Efficiency ratio | 83.2355% | 2,049 |
| Assets per employee ($millions) | 5.6921% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8013% | 489 |
| Loan loss allowance to noncurrent loans | 109.1736% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 7.5436% | 666 |
| Noncurrent loans to loans | 3.4819% | 2,140 |
| Net loans and leases to total assets | 74.0743% | 1,332 |
| Net loans and leases to deposits | 89.6003% | 1,278 |
| Net loans and leases to core deposits | 95.7714% | 1,691 |
| Total domestic deposits to total assets | 82.6719% | 5,036 |
| Equity capital to assets | 12.3397% | 1,720 |
| Core capital (leverage) ratio | 11.9675% | 1,583 |
| Tier 1 risk-based capital ratio | 13.7654% | 4,234 |
| Total risk-based capital ratio | 15.0425% | 4,198 |
| Memoranda: | ||
| Average total assets | $103,591,500 | 4,901 |
| Average earning assets | $96,056,000 | 4,851 |
| Average equity | $12,525,500 | 4,441 |
| Average total loans | $78,414,000 | 4,313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4532% | 341 |
| Cost of funding earning assets | 2.0222% | 562 |
| Net interest margin | 4.4311% | 1,396 |
| Noninterest income to average assets | 0.1003% | 6,896 |
| Noninterest expense to average assets | 3.7962% | 1,497 |
| Loan and lease loss provision to assets | 3.3736% | 246 |
| Net operating income to assets | -2.9584% | 7,287 |
| Return on assets (ROA) | -2.9584% | 7,305 |
| Pretax return on assets | -2.9584% | 7,284 |
| Return on Equity (ROE) | -25.0889% | 7,139 |
| Retained earnings to average equity (ytd only) | -25.0889% | 7,118 |
| Net charge-offs to loans | 3.4395% | 423 |
| Credit loss provision to net charge-offs | 127.2188% | 3,171 |
| Earnings coverage of net charge-offs (x) | 0.1566% | 5,955 |
| Efficiency ratio | 90.1417% | 1,314 |
| Assets per employee ($millions) | 5.8181% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1843% | 340 |
| Loan loss allowance to noncurrent loans | 70.9839% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 8.3524% | 571 |
| Noncurrent loans to loans | 5.8947% | 1,069 |
| Net loans and leases to total assets | 71.3039% | 2,235 |
| Net loans and leases to deposits | 84.5750% | 2,366 |
| Net loans and leases to core deposits | 90.1761% | 2,743 |
| Total domestic deposits to total assets | 84.3084% | 4,221 |
| Equity capital to assets | 11.8482% | 2,008 |
| Core capital (leverage) ratio | 10.9768% | 2,177 |
| Tier 1 risk-based capital ratio | 14.4011% | 3,613 |
| Total risk-based capital ratio | 15.6841% | 3,548 |
| Memoranda: | ||
| Average total assets | $120,673,600 | 4,468 |
| Average earning assets | $111,959,200 | 4,423 |
| Average equity | $14,229,400 | 4,095 |
| Average total loans | $93,036,800 | 3,980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4874% | 351 |
| Cost of funding earning assets | 2.0924% | 552 |
| Net interest margin | 4.3949% | 1,541 |
| Noninterest income to average assets | 0.1337% | 6,889 |
| Noninterest expense to average assets | 3.1477% | 3,119 |
| Loan and lease loss provision to assets | 4.1669% | 140 |
| Net operating income to assets | -3.1081% | 7,470 |
| Return on assets (ROA) | -3.1081% | 7,483 |
| Pretax return on assets | -3.1081% | 7,446 |
| Return on Equity (ROE) | -26.3850% | 7,334 |
| Retained earnings to average equity (ytd only) | -26.3850% | 7,327 |
| Net charge-offs to loans | 4.4291% | 237 |
| Credit loss provision to net charge-offs | 121.1443% | 3,397 |
| Earnings coverage of net charge-offs (x) | 0.3078% | 5,720 |
| Efficiency ratio | 74.8284% | 3,177 |
| Assets per employee ($millions) | 6.3104% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6435% | 485 |
| Loan loss allowance to noncurrent loans | 60.2788% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 9.9113% | 417 |
| Noncurrent loans to loans | 6.0444% | 1,026 |
| Net loans and leases to total assets | 71.4776% | 2,356 |
| Net loans and leases to deposits | 83.1959% | 2,870 |
| Net loans and leases to core deposits | 90.3748% | 3,044 |
| Total domestic deposits to total assets | 85.9149% | 3,121 |
| Equity capital to assets | 11.8032% | 2,280 |
| Core capital (leverage) ratio | 10.7337% | 2,484 |
| Tier 1 risk-based capital ratio | 13.8220% | 3,959 |
| Total risk-based capital ratio | 15.0981% | 3,920 |
| Memoranda: | ||
| Average total assets | $124,660,750 | 4,447 |
| Average earning assets | $115,524,250 | 4,391 |
| Average equity | $14,684,750 | 4,056 |
| Average total loans | $96,812,500 | 3,949 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4569% | 363 |
| Cost of funding earning assets | 2.1741% | 507 |
| Net interest margin | 4.2828% | 1,843 |
| Noninterest income to average assets | 0.3163% | 5,628 |
| Noninterest expense to average assets | 3.2130% | 2,854 |
| Loan and lease loss provision to assets | 3.3112% | 281 |
| Net operating income to assets | -2.2298% | 7,360 |
| Return on assets (ROA) | -2.2298% | 7,370 |
| Pretax return on assets | -2.2298% | 7,304 |
| Return on Equity (ROE) | -18.9403% | 7,257 |
| Retained earnings to average equity (ytd only) | -18.9403% | 7,232 |
| Net charge-offs to loans | 1.4555% | 1,309 |
| Credit loss provision to net charge-offs | 289.1156% | 1,284 |
| Earnings coverage of net charge-offs (x) | 0.9442% | 4,834 |
| Efficiency ratio | 74.8186% | 3,299 |
| Assets per employee ($millions) | 6.4165% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8727% | 409 |
| Loan loss allowance to noncurrent loans | 43.3253% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 11.4295% | 296 |
| Noncurrent loans to loans | 8.9386% | 532 |
| Net loans and leases to total assets | 76.9828% | 1,294 |
| Net loans and leases to deposits | 90.4946% | 1,772 |
| Net loans and leases to core deposits | 99.8351% | 2,038 |
| Total domestic deposits to total assets | 85.0689% | 3,591 |
| Equity capital to assets | 12.1546% | 2,010 |
| Core capital (leverage) ratio | 11.2566% | 2,063 |
| Tier 1 risk-based capital ratio | 13.6537% | 3,974 |
| Total risk-based capital ratio | 14.9334% | 3,912 |
| Memoranda: | ||
| Average total assets | $128,351,670 | 4,393 |
| Average earning assets | $119,222,000 | 4,330 |
| Average equity | $15,110,670 | 3,970 |
| Average total loans | $100,996,670 | 3,861 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2287% | 604 |
| Cost of funding earning assets | 2.2563% | 488 |
| Net interest margin | 3.9723% | 2,987 |
| Noninterest income to average assets | 0.0182% | 7,598 |
| Noninterest expense to average assets | 2.7149% | 4,835 |
| Loan and lease loss provision to assets | 5.7794% | 124 |
| Net operating income to assets | -4.7883% | 7,774 |
| Return on assets (ROA) | -4.7883% | 7,782 |
| Pretax return on assets | -4.7883% | 7,749 |
| Return on Equity (ROE) | -41.2925% | 7,658 |
| Retained earnings to average equity (ytd only) | -41.2925% | 7,642 |
| Net charge-offs to loans | 1.9946% | 861 |
| Credit loss provision to net charge-offs | 371.2891% | 1,099 |
| Earnings coverage of net charge-offs (x) | 0.6367% | 4,458 |
| Efficiency ratio | 73.2568% | 3,710 |
| Assets per employee ($millions) | 7.1729% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6780% | 476 |
| Loan loss allowance to noncurrent loans | 37.3788% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 12.6410% | 228 |
| Noncurrent loans to loans | 9.8397% | 433 |
| Net loans and leases to total assets | 76.6528% | 1,403 |
| Net loans and leases to deposits | 89.7099% | 1,945 |
| Net loans and leases to core deposits | 103.9722% | 1,743 |
| Total domestic deposits to total assets | 85.4452% | 3,443 |
| Equity capital to assets | 11.2298% | 2,551 |
| Core capital (leverage) ratio | 10.5309% | 2,593 |
| Tier 1 risk-based capital ratio | 12.5541% | 4,689 |
| Total risk-based capital ratio | 13.8311% | 4,627 |
| Memoranda: | ||
| Average total assets | $131,571,000 | 4,368 |
| Average earning assets | $122,145,000 | 4,325 |
| Average equity | $15,257,000 | 3,969 |
| Average total loans | $102,678,500 | 3,867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3171% | 996 |
| Cost of funding earning assets | 2.9493% | 264 |
| Net interest margin | 3.3678% | 5,498 |
| Noninterest income to average assets | -0.4386% | 7,931 |
| Noninterest expense to average assets | 3.7554% | 1,786 |
| Loan and lease loss provision to assets | 9.5343% | 19 |
| Net operating income to assets | -10.5753% | 7,977 |
| Return on assets (ROA) | -10.5044% | 7,977 |
| Pretax return on assets | -10.5044% | 7,973 |
| Return on Equity (ROE) | -80.8501% | 7,868 |
| Retained earnings to average equity (ytd only) | -80.8501% | 7,864 |
| Net charge-offs to loans | 12.3469% | 19 |
| Credit loss provision to net charge-offs | 96.8585% | 5,737 |
| Earnings coverage of net charge-offs (x) | -0.1058% | 6,340 |
| Efficiency ratio | 138.3517% | 400 |
| Assets per employee ($millions) | 8.3769% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3292% | 1,433 |
| Loan loss allowance to noncurrent loans | 21.8885% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 13.0105% | 203 |
| Noncurrent loans to loans | 10.6413% | 363 |
| Net loans and leases to total assets | 74.7743% | 2,081 |
| Net loans and leases to deposits | 86.7120% | 2,799 |
| Net loans and leases to core deposits | 161.1073% | 328 |
| Total domestic deposits to total assets | 86.2329% | 2,896 |
| Equity capital to assets | 11.9488% | 2,064 |
| Core capital (leverage) ratio | 11.1342% | 2,149 |
| Tier 1 risk-based capital ratio | 13.4984% | 3,820 |
| Total risk-based capital ratio | 14.7591% | 3,761 |
| Memoranda: | ||
| Average total assets | $136,790,800 | 4,195 |
| Average earning assets | $128,065,800 | 4,129 |
| Average equity | $17,772,400 | 3,536 |
| Average total loans | $109,056,000 | 3,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1957% | 1,389 |
| Cost of funding earning assets | 3.0617% | 272 |
| Net interest margin | 3.1341% | 6,217 |
| Noninterest income to average assets | -0.4645% | 8,038 |
| Noninterest expense to average assets | 2.5593% | 5,859 |
| Loan and lease loss provision to assets | 10.5874% | 18 |
| Net operating income to assets | -10.6727% | 8,050 |
| Return on assets (ROA) | -10.6718% | 8,050 |
| Pretax return on assets | -10.6718% | 8,048 |
| Return on Equity (ROE) | -80.5613% | 7,966 |
| Retained earnings to average equity (ytd only) | -80.5613% | 7,964 |
| Net charge-offs to loans | 12.9357% | 24 |
| Credit loss provision to net charge-offs | 101.6764% | 5,007 |
| Earnings coverage of net charge-offs (x) | -0.0082% | 6,080 |
| Efficiency ratio | 103.4496% | 936 |
| Assets per employee ($millions) | 10.1117% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7347% | 850 |
| Loan loss allowance to noncurrent loans | 24.3869% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 13.9711% | 150 |
| Noncurrent loans to loans | 11.2136% | 314 |
| Net loans and leases to total assets | 75.1985% | 2,191 |
| Net loans and leases to deposits | 87.5329% | 3,050 |
| Net loans and leases to core deposits | 165.2653% | 313 |
| Total domestic deposits to total assets | 85.9088% | 2,744 |
| Equity capital to assets | 10.6376% | 3,363 |
| Core capital (leverage) ratio | 10.3780% | 2,904 |
| Tier 1 risk-based capital ratio | 11.4854% | 5,442 |
| Total risk-based capital ratio | 12.7497% | 5,381 |
| Memoranda: | ||
| Average total assets | $137,481,000 | 4,200 |
| Average earning assets | $128,902,500 | 4,129 |
| Average equity | $18,211,750 | 3,497 |
| Average total loans | $110,667,500 | 3,722 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1513% | 1,612 |
| Cost of funding earning assets | 3.1847% | 279 |
| Net interest margin | 2.9666% | 6,641 |
| Noninterest income to average assets | -0.6480% | 8,139 |
| Noninterest expense to average assets | 2.2245% | 6,992 |
| Loan and lease loss provision to assets | 13.9994% | 16 |
| Net operating income to assets | -14.0743% | 8,158 |
| Return on assets (ROA) | -14.0729% | 8,152 |
| Pretax return on assets | -14.0729% | 8,154 |
| Return on Equity (ROE) | -99.4462% | 8,075 |
| Retained earnings to average equity (ytd only) | -99.4462% | 8,074 |
| Net charge-offs to loans | 16.8248% | 18 |
| Credit loss provision to net charge-offs | 101.9692% | 4,487 |
| Earnings coverage of net charge-offs (x) | -0.0055% | 5,695 |
| Efficiency ratio | 103.4860% | 1,045 |
| Assets per employee ($millions) | 8.7206% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6771% | 767 |
| Loan loss allowance to noncurrent loans | 18.4080% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 15.8468% | 90 |
| Noncurrent loans to loans | 14.5434% | 145 |
| Net loans and leases to total assets | 78.0843% | 1,725 |
| Net loans and leases to deposits | 93.8278% | 2,116 |
| Net loans and leases to core deposits | 153.8161% | 567 |
| Total domestic deposits to total assets | 83.2208% | 4,139 |
| Equity capital to assets | 11.5968% | 2,475 |
| Core capital (leverage) ratio | 11.5561% | 2,057 |
| Tier 1 risk-based capital ratio | 12.8723% | 4,228 |
| Total risk-based capital ratio | 14.1372% | 4,137 |
| Memoranda: | ||
| Average total assets | $136,120,000 | 4,257 |
| Average earning assets | $128,362,330 | 4,176 |
| Average equity | $19,262,670 | 3,359 |
| Average total loans | $111,074,330 | 3,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 4,832 |
| Cost of funding earning assets | 3.2682% | 290 |
| Net interest margin | 2.2459% | 7,762 |
| Noninterest income to average assets | -1.3362% | 8,223 |
| Noninterest expense to average assets | 2.2765% | 6,610 |
| Loan and lease loss provision to assets | 27.8659% | 2 |
| Net operating income to assets | -29.3539% | 8,234 |
| Return on assets (ROA) | -29.3539% | 8,232 |
| Pretax return on assets | -29.3539% | 8,232 |
| Return on Equity (ROE) | -189.6604% | 8,191 |
| Retained earnings to average equity (ytd only) | -189.6604% | 8,189 |
| Net charge-offs to loans | 22.3179% | 12 |
| Credit loss provision to net charge-offs | 151.6929% | 2,752 |
| Earnings coverage of net charge-offs (x) | -0.0810% | 5,054 |
| Efficiency ratio | 288.6792% | 92 |
| Assets per employee ($millions) | 7.0305% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3863% | 89 |
| Loan loss allowance to noncurrent loans | 33.8215% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 16.8836% | 55 |
| Noncurrent loans to loans | 15.9255% | 81 |
| Net loans and leases to total assets | 78.9533% | 1,594 |
| Net loans and leases to deposits | 94.6222% | 2,168 |
| Net loans and leases to core deposits | 150.1987% | 700 |
| Total domestic deposits to total assets | 83.4405% | 3,939 |
| Equity capital to assets | 11.9547% | 2,290 |
| Core capital (leverage) ratio | 11.3607% | 2,240 |
| Tier 1 risk-based capital ratio | 13.1549% | 4,082 |
| Total risk-based capital ratio | 14.4527% | 3,971 |
| Memoranda: | ||
| Average total assets | $134,415,000 | 4,319 |
| Average earning assets | $127,164,500 | 4,216 |
| Average equity | $20,803,500 | 3,139 |
| Average total loans | $110,637,500 | 3,777 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3840% | 510 |
| Cost of funding earning assets | 3.5103% | 498 |
| Net interest margin | 3.8738% | 3,685 |
| Noninterest income to average assets | -0.0527% | 8,183 |
| Noninterest expense to average assets | 2.8486% | 4,609 |
| Loan and lease loss provision to assets | 1.0631% | 1,372 |
| Net operating income to assets | -0.2581% | 6,692 |
| Return on assets (ROA) | -0.2542% | 6,530 |
| Pretax return on assets | -0.2542% | 6,417 |
| Return on Equity (ROE) | -1.1825% | 6,388 |
| Retained earnings to average equity (ytd only) | -12.6856% | 7,308 |
| Net charge-offs to loans | 1.6500% | 679 |
| Credit loss provision to net charge-offs | 78.8215% | 5,927 |
| Earnings coverage of net charge-offs (x) | 0.5968% | 5,867 |
| Efficiency ratio | 77.9668% | 2,921 |
| Assets per employee ($millions) | 6.7626% | 784 |
| Cash dividends to net income (ytd only)* | -972.7554% | 8,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5618% | 643 |
| Loan loss allowance to noncurrent loans | 26.2774% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 11.5038% | 113 |
| Noncurrent loans to loans | 9.7490% | 221 |
| Net loans and leases to total assets | 79.1070% | 1,862 |
| Net loans and leases to deposits | 101.5634% | 1,630 |
| Net loans and leases to core deposits | 158.3908% | 609 |
| Total domestic deposits to total assets | 77.8893% | 5,752 |
| Equity capital to assets | 18.9559% | 550 |
| Core capital (leverage) ratio | 18.6569% | 543 |
| Tier 1 risk-based capital ratio | 22.3030% | 1,278 |
| Total risk-based capital ratio | 23.5681% | 1,249 |
| Memoranda: | ||
| Average total assets | $127,079,400 | 4,349 |
| Average earning assets | $121,586,600 | 4,221 |
| Average equity | $27,314,400 | 2,455 |
| Average total loans | $103,878,000 | 3,852 |