Home > Seattle Bank > Performance and Condition Ratios
Seattle 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 | 7.4880% | 201 |
| Cost of funding earning assets | 3.7298% | 70 |
| Net interest margin | 3.7582% | 1,770 |
| Noninterest income to average assets | -0.2600% | 4,463 |
| Noninterest expense to average assets | 2.9008% | 1,317 |
| Loan and lease loss provision to assets | 0.3400% | 308 |
| Net operating income to assets | 0.0060% | 4,157 |
| Return on assets (ROA) | 0.0112% | 4,183 |
| Pretax return on assets | 0.0375% | 4,156 |
| Return on Equity (ROE) | 0.1100% | 4,180 |
| Retained earnings to average equity (ytd only) | -8.3715% | 4,207 |
| Net charge-offs to loans | 1.1662% | 127 |
| Credit loss provision to net charge-offs | 32.3263% | 1,618 |
| Earnings coverage of net charge-offs (x) | 0.3893% | 2,212 |
| Efficiency ratio | 88.5417% | 552 |
| Assets per employee ($millions) | 10.2240% | 740 |
| Cash dividends to net income (ytd only)* | 7,407.4074% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8632% | 165 |
| Loan loss allowance to noncurrent loans | 78.7046% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 6.2753% | 15 |
| Noncurrent loans to loans | 3.6380% | 149 |
| Net loans and leases to total assets | 80.6000% | 537 |
| Net loans and leases to deposits | 90.4754% | 1,066 |
| Net loans and leases to core deposits | 122.6958% | 476 |
| Total domestic deposits to total assets | 89.0900% | 1,148 |
| Equity capital to assets | 9.7293% | 2,406 |
| Core capital (leverage) ratio | 10.3711% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9416% | 1,284 |
| Memoranda: | ||
| Average total assets | $961,118,000 | 1,071 |
| Average earning assets | $903,526,500 | 1,052 |
| Average equity | $94,272,000 | 1,090 |
| Average total loans | $794,743,500 | 918 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4365% | 120 |
| Cost of funding earning assets | 3.6898% | 132 |
| Net interest margin | 4.7467% | 468 |
| Noninterest income to average assets | 0.0100% | 4,429 |
| Noninterest expense to average assets | 3.0675% | 1,042 |
| Loan and lease loss provision to assets | 1.0600% | 71 |
| Net operating income to assets | 0.3650% | 3,740 |
| Return on assets (ROA) | 0.3641% | 3,771 |
| Pretax return on assets | 0.4039% | 3,788 |
| Return on Equity (ROE) | 3.5300% | 3,779 |
| Retained earnings to average equity (ytd only) | -0.6415% | 4,055 |
| Net charge-offs to loans | 1.4058% | 106 |
| Credit loss provision to net charge-offs | 89.4303% | 2,039 |
| Earnings coverage of net charge-offs (x) | 1.2434% | 2,923 |
| Efficiency ratio | 67.7192% | 2,290 |
| Assets per employee ($millions) | 10.1177% | 750 |
| Cash dividends to net income (ytd only)* | 118.1927% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4570% | 115 |
| Loan loss allowance to noncurrent loans | 85.3443% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 6.8923% | 13 |
| Noncurrent loans to loans | 4.0507% | 97 |
| Net loans and leases to total assets | 79.5500% | 712 |
| Net loans and leases to deposits | 89.5587% | 1,244 |
| Net loans and leases to core deposits | 121.5668% | 553 |
| Total domestic deposits to total assets | 88.8300% | 1,223 |
| Equity capital to assets | 9.8878% | 2,200 |
| Core capital (leverage) ratio | 10.5369% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7085% | 1,337 |
| Memoranda: | ||
| Average total assets | $917,964,400 | 1,091 |
| Average earning assets | $873,707,400 | 1,058 |
| Average equity | $94,777,200 | 1,063 |
| Average total loans | $767,915,200 | 935 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5739% | 117 |
| Cost of funding earning assets | 3.6215% | 161 |
| Net interest margin | 4.9525% | 353 |
| Noninterest income to average assets | 0.0400% | 4,403 |
| Noninterest expense to average assets | 3.2464% | 785 |
| Loan and lease loss provision to assets | 1.0600% | 65 |
| Net operating income to assets | 0.3502% | 3,775 |
| Return on assets (ROA) | 0.3529% | 3,807 |
| Pretax return on assets | 0.4699% | 3,697 |
| Return on Equity (ROE) | 3.3800% | 3,825 |
| Retained earnings to average equity (ytd only) | 0.4941% | 3,851 |
| Net charge-offs to loans | 1.4154% | 94 |
| Credit loss provision to net charge-offs | 89.1073% | 1,790 |
| Earnings coverage of net charge-offs (x) | 1.2833% | 2,680 |
| Efficiency ratio | 68.0322% | 2,265 |
| Assets per employee ($millions) | 9.7331% | 833 |
| Cash dividends to net income (ytd only)* | 85.3811% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7949% | 103 |
| Loan loss allowance to noncurrent loans | 77.1412% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 7.1557% | 12 |
| Noncurrent loans to loans | 4.9194% | 74 |
| Net loans and leases to total assets | 76.4100% | 1,068 |
| Net loans and leases to deposits | 86.2092% | 1,614 |
| Net loans and leases to core deposits | 115.5750% | 742 |
| Total domestic deposits to total assets | 88.6300% | 1,039 |
| Equity capital to assets | 10.0426% | 2,261 |
| Core capital (leverage) ratio | 10.6883% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0005% | 1,097 |
| Memoranda: | ||
| Average total assets | $907,159,750 | 1,096 |
| Average earning assets | $866,885,750 | 1,058 |
| Average equity | $94,711,500 | 1,057 |
| Average total loans | $761,885,500 | 933 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7165% | 109 |
| Cost of funding earning assets | 3.5228% | 166 |
| Net interest margin | 5.1937% | 268 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 3.3163% | 707 |
| Loan and lease loss provision to assets | 1.3200% | 48 |
| Net operating income to assets | 0.3537% | 3,750 |
| Return on assets (ROA) | 0.3508% | 3,792 |
| Pretax return on assets | 0.4695% | 3,684 |
| Return on Equity (ROE) | 3.3200% | 3,839 |
| Retained earnings to average equity (ytd only) | -1.0302% | 4,057 |
| Net charge-offs to loans | 1.3805% | 95 |
| Credit loss provision to net charge-offs | 111.4823% | 1,403 |
| Earnings coverage of net charge-offs (x) | 1.5151% | 2,462 |
| Efficiency ratio | 64.9361% | 2,664 |
| Assets per employee ($millions) | 9.7021% | 794 |
| Cash dividends to net income (ytd only)* | 131.0742% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4395% | 88 |
| Loan loss allowance to noncurrent loans | 106.6551% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 5.4018% | 21 |
| Noncurrent loans to loans | 4.1625% | 91 |
| Net loans and leases to total assets | 79.0800% | 788 |
| Net loans and leases to deposits | 89.5689% | 1,335 |
| Net loans and leases to core deposits | 118.7688% | 668 |
| Total domestic deposits to total assets | 88.2900% | 1,222 |
| Equity capital to assets | 10.2097% | 1,965 |
| Core capital (leverage) ratio | 11.2569% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8557% | 949 |
| Memoranda: | ||
| Average total assets | $891,599,000 | 1,114 |
| Average earning assets | $856,029,333 | 1,076 |
| Average equity | $94,351,667 | 1,055 |
| Average total loans | $763,323,333 | 930 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8031% | 109 |
| Cost of funding earning assets | 3.4519% | 178 |
| Net interest margin | 5.3512% | 220 |
| Noninterest income to average assets | -0.0800% | 4,561 |
| Noninterest expense to average assets | 3.7342% | 446 |
| Loan and lease loss provision to assets | 0.9300% | 87 |
| Net operating income to assets | 0.2974% | 3,827 |
| Return on assets (ROA) | 0.2934% | 3,867 |
| Pretax return on assets | 0.3997% | 3,756 |
| Return on Equity (ROE) | 2.7200% | 3,901 |
| Retained earnings to average equity (ytd only) | 2.5107% | 3,120 |
| Net charge-offs to loans | 1.3269% | 71 |
| Credit loss provision to net charge-offs | 80.3000% | 1,284 |
| Earnings coverage of net charge-offs (x) | 1.1532% | 2,069 |
| Efficiency ratio | 73.6942% | 1,774 |
| Assets per employee ($millions) | 9.7513% | 793 |
| Cash dividends to net income (ytd only)* | 7.7760% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6524% | 51 |
| Loan loss allowance to noncurrent loans | 118.8958% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 4.7678% | 31 |
| Noncurrent loans to loans | 3.9130% | 99 |
| Net loans and leases to total assets | 80.2400% | 592 |
| Net loans and leases to deposits | 91.5621% | 1,087 |
| Net loans and leases to core deposits | 118.8167% | 658 |
| Total domestic deposits to total assets | 87.6300% | 1,561 |
| Equity capital to assets | 10.5722% | 1,696 |
| Core capital (leverage) ratio | 11.5886% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7397% | 828 |
| Memoranda: | ||
| Average total assets | $876,548,500 | 1,131 |
| Average earning assets | $843,473,000 | 1,100 |
| Average equity | $94,476,000 | 1,045 |
| Average total loans | $763,606,000 | 926 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0507% | 118 |
| Cost of funding earning assets | 2.5837% | 307 |
| Net interest margin | 5.4670% | 192 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 3.1273% | 920 |
| Loan and lease loss provision to assets | 0.7600% | 100 |
| Net operating income to assets | 1.0544% | 2,055 |
| Return on assets (ROA) | 1.0558% | 2,016 |
| Pretax return on assets | 1.3842% | 1,670 |
| Return on Equity (ROE) | 9.3800% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.3774% | 1,162 |
| Net charge-offs to loans | 1.2337% | 77 |
| Credit loss provision to net charge-offs | 70.2558% | 2,083 |
| Earnings coverage of net charge-offs (x) | 1.9840% | 2,730 |
| Efficiency ratio | 59.3699% | 3,151 |
| Assets per employee ($millions) | 10.0703% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7223% | 47 |
| Loan loss allowance to noncurrent loans | 130.8962% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 4.3118% | 33 |
| Noncurrent loans to loans | 3.6077% | 108 |
| Net loans and leases to total assets | 85.9600% | 161 |
| Net loans and leases to deposits | 98.7692% | 602 |
| Net loans and leases to core deposits | 124.4906% | 524 |
| Total domestic deposits to total assets | 87.0300% | 1,671 |
| Equity capital to assets | 10.9940% | 1,482 |
| Core capital (leverage) ratio | 12.5725% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1308% | 771 |
| Memoranda: | ||
| Average total assets | $815,296,600 | 1,164 |
| Average earning assets | $783,398,200 | 1,124 |
| Average equity | $91,795,000 | 1,010 |
| Average total loans | $712,912,200 | 940 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9688% | 113 |
| Cost of funding earning assets | 2.4326% | 312 |
| Net interest margin | 5.5362% | 175 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 3.1487% | 874 |
| Loan and lease loss provision to assets | 0.7900% | 90 |
| Net operating income to assets | 1.0802% | 2,116 |
| Return on assets (ROA) | 1.0759% | 2,119 |
| Pretax return on assets | 1.3884% | 1,803 |
| Return on Equity (ROE) | 9.5000% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.4965% | 1,551 |
| Net charge-offs to loans | 1.2768% | 72 |
| Credit loss provision to net charge-offs | 71.5931% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.9750% | 2,504 |
| Efficiency ratio | 59.0185% | 3,085 |
| Assets per employee ($millions) | 9.7275% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2645% | 99 |
| Loan loss allowance to noncurrent loans | 101.6531% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 3.5310% | 48 |
| Noncurrent loans to loans | 3.2114% | 124 |
| Net loans and leases to total assets | 87.0300% | 116 |
| Net loans and leases to deposits | 104.9151% | 322 |
| Net loans and leases to core deposits | 132.8975% | 308 |
| Total domestic deposits to total assets | 82.9600% | 3,029 |
| Equity capital to assets | 11.4709% | 1,189 |
| Core capital (leverage) ratio | 12.7060% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8059% | 837 |
| Memoranda: | ||
| Average total assets | $805,127,250 | 1,176 |
| Average earning assets | $773,032,750 | 1,141 |
| Average equity | $91,217,250 | 1,016 |
| Average total loans | $698,073,250 | 958 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8198% | 112 |
| Cost of funding earning assets | 2.2945% | 281 |
| Net interest margin | 5.5253% | 170 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 3.1398% | 855 |
| Loan and lease loss provision to assets | 0.5700% | 122 |
| Net operating income to assets | 1.2565% | 1,679 |
| Return on assets (ROA) | 1.2565% | 1,671 |
| Pretax return on assets | 1.6178% | 1,376 |
| Return on Equity (ROE) | 11.1400% | 2,383 |
| Retained earnings to average equity (ytd only) | 11.1365% | 1,163 |
| Net charge-offs to loans | 1.1892% | 74 |
| Credit loss provision to net charge-offs | 56.0068% | 1,647 |
| Earnings coverage of net charge-offs (x) | 2.1488% | 2,320 |
| Efficiency ratio | 58.9310% | 3,081 |
| Assets per employee ($millions) | 10.4532% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8420% | 148 |
| Loan loss allowance to noncurrent loans | 104.5269% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 3.1878% | 59 |
| Noncurrent loans to loans | 2.7189% | 168 |
| Net loans and leases to total assets | 82.7800% | 345 |
| Net loans and leases to deposits | 101.9415% | 432 |
| Net loans and leases to core deposits | 123.2139% | 448 |
| Total domestic deposits to total assets | 81.2000% | 3,394 |
| Equity capital to assets | 11.0289% | 1,378 |
| Core capital (leverage) ratio | 12.3192% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7573% | 847 |
| Memoranda: | ||
| Average total assets | $807,618,333 | 1,173 |
| Average earning assets | $775,233,333 | 1,135 |
| Average equity | $91,123,667 | 1,013 |
| Average total loans | $691,542,333 | 950 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6077% | 76 |
| Cost of funding earning assets | 2.1111% | 230 |
| Net interest margin | 5.4966% | 150 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 3.0935% | 948 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 1.4729% | 1,234 |
| Return on assets (ROA) | 1.4796% | 1,203 |
| Pretax return on assets | 1.9031% | 907 |
| Return on Equity (ROE) | 12.9700% | 1,994 |
| Retained earnings to average equity (ytd only) | 12.9651% | 1,103 |
| Net charge-offs to loans | 1.1473% | 69 |
| Credit loss provision to net charge-offs | 30.7731% | 1,352 |
| Earnings coverage of net charge-offs (x) | 2.2314% | 1,935 |
| Efficiency ratio | 58.4650% | 3,136 |
| Assets per employee ($millions) | 11.8121% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9400% | 136 |
| Loan loss allowance to noncurrent loans | 131.5494% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 2.7533% | 68 |
| Noncurrent loans to loans | 2.2349% | 230 |
| Net loans and leases to total assets | 80.5800% | 487 |
| Net loans and leases to deposits | 98.5864% | 509 |
| Net loans and leases to core deposits | 116.6860% | 518 |
| Total domestic deposits to total assets | 81.7300% | 3,527 |
| Equity capital to assets | 10.6705% | 1,474 |
| Core capital (leverage) ratio | 12.3630% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6058% | 783 |
| Memoranda: | ||
| Average total assets | $803,754,000 | 1,195 |
| Average earning assets | $772,480,500 | 1,153 |
| Average equity | $91,723,500 | 1,016 |
| Average total loans | $689,982,500 | 965 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5526% | 66 |
| Cost of funding earning assets | 1.1263% | 95 |
| Net interest margin | 5.4263% | 91 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.6192% | 1,776 |
| Loan and lease loss provision to assets | 0.8000% | 61 |
| Net operating income to assets | 1.4475% | 1,014 |
| Return on assets (ROA) | 1.4331% | 1,008 |
| Pretax return on assets | 1.8438% | 655 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 10.2255% | 1,088 |
| Net charge-offs to loans | 0.6484% | 109 |
| Credit loss provision to net charge-offs | 143.4339% | 1,332 |
| Earnings coverage of net charge-offs (x) | 4.7777% | 2,405 |
| Efficiency ratio | 49.6055% | 4,149 |
| Assets per employee ($millions) | 11.8282% | 409 |
| Cash dividends to net income (ytd only)* | 13.8427% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,385 |
| Loan loss allowance to noncurrent loans | 69.9333% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 2.7397% | 65 |
| Noncurrent loans to loans | 2.0540% | 271 |
| Net loans and leases to total assets | 87.5600% | 87 |
| Net loans and leases to deposits | 109.5671% | 164 |
| Net loans and leases to core deposits | 134.3816% | 190 |
| Total domestic deposits to total assets | 79.9200% | 3,886 |
| Equity capital to assets | 12.1971% | 882 |
| Core capital (leverage) ratio | 13.0953% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7724% | 863 |
| Memoranda: | ||
| Average total assets | $756,120,200 | 1,236 |
| Average earning assets | $726,264,400 | 1,191 |
| Average equity | $91,301,600 | 1,020 |
| Average total loans | $649,488,400 | 968 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2736% | 62 |
| Cost of funding earning assets | 0.9563% | 76 |
| Net interest margin | 5.3173% | 88 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.4914% | 2,038 |
| Loan and lease loss provision to assets | 0.6800% | 71 |
| Net operating income to assets | 1.5752% | 697 |
| Return on assets (ROA) | 1.5555% | 712 |
| Pretax return on assets | 1.9863% | 478 |
| Return on Equity (ROE) | 12.9200% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.7021% | 1,134 |
| Net charge-offs to loans | 0.5427% | 119 |
| Credit loss provision to net charge-offs | 147.7491% | 1,135 |
| Earnings coverage of net charge-offs (x) | 5.8303% | 2,131 |
| Efficiency ratio | 48.0475% | 4,269 |
| Assets per employee ($millions) | 11.9290% | 392 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,545 |
| Loan loss allowance to noncurrent loans | 70.2120% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 2.7433% | 65 |
| Noncurrent loans to loans | 2.0229% | 301 |
| Net loans and leases to total assets | 83.9100% | 253 |
| Net loans and leases to deposits | 104.6315% | 221 |
| Net loans and leases to core deposits | 123.1400% | 204 |
| Total domestic deposits to total assets | 80.2000% | 4,080 |
| Equity capital to assets | 12.0351% | 881 |
| Core capital (leverage) ratio | 12.5608% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7938% | 885 |
| Memoranda: | ||
| Average total assets | $749,985,500 | 1,253 |
| Average earning assets | $720,246,500 | 1,206 |
| Average equity | $90,322,500 | 1,044 |
| Average total loans | $638,478,250 | 978 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9816% | 74 |
| Cost of funding earning assets | 0.8514% | 73 |
| Net interest margin | 5.1302% | 97 |
| Noninterest income to average assets | 0.1241% | 4,376 |
| Noninterest expense to average assets | 2.3650% | 2,357 |
| Loan and lease loss provision to assets | 0.7314% | 63 |
| Net operating income to assets | 1.5303% | 652 |
| Return on assets (ROA) | 1.5103% | 669 |
| Pretax return on assets | 1.9332% | 440 |
| Return on Equity (ROE) | 12.5297% | 1,517 |
| Retained earnings to average equity (ytd only) | 9.1711% | 1,238 |
| Net charge-offs to loans | 0.4150% | 169 |
| Credit loss provision to net charge-offs | 206.8702% | 954 |
| Earnings coverage of net charge-offs (x) | 7.6084% | 1,851 |
| Efficiency ratio | 46.7859% | 4,408 |
| Assets per employee ($millions) | 12.3205% | 344 |
| Cash dividends to net income (ytd only)* | 26.8049% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,612 |
| Loan loss allowance to noncurrent loans | 58.8348% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.8864% | 66 |
| Noncurrent loans to loans | 2.4406% | 238 |
| Net loans and leases to total assets | 87.0665% | 65 |
| Net loans and leases to deposits | 115.5243% | 59 |
| Net loans and leases to core deposits | 135.4931% | 93 |
| Total domestic deposits to total assets | 75.3664% | 4,490 |
| Equity capital to assets | 12.0873% | 847 |
| Core capital (leverage) ratio | 12.8665% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3637% | 941 |
| Memoranda: | ||
| Average total assets | $741,048,667 | 1,268 |
| Average earning assets | $712,248,667 | 1,231 |
| Average equity | $89,324,000 | 1,059 |
| Average total loans | $631,304,333 | 980 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 110 |
| Cost of funding earning assets | 0.8173% | 82 |
| Net interest margin | 4.5019% | 169 |
| Noninterest income to average assets | 0.1082% | 4,465 |
| Noninterest expense to average assets | 2.2670% | 2,623 |
| Loan and lease loss provision to assets | 0.7720% | 55 |
| Net operating income to assets | 1.0707% | 1,620 |
| Return on assets (ROA) | 1.0471% | 1,696 |
| Pretax return on assets | 1.3602% | 1,356 |
| Return on Equity (ROE) | 8.7019% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.7019% | 1,369 |
| Net charge-offs to loans | 0.2263% | 277 |
| Credit loss provision to net charge-offs | 408.0460% | 579 |
| Earnings coverage of net charge-offs (x) | 11.4282% | 1,439 |
| Efficiency ratio | 51.1845% | 4,241 |
| Assets per employee ($millions) | 11.8251% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,687 |
| Loan loss allowance to noncurrent loans | 52.0615% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.4441% | 50 |
| Noncurrent loans to loans | 2.8021% | 196 |
| Net loans and leases to total assets | 87.6380% | 31 |
| Net loans and leases to deposits | 113.2241% | 54 |
| Net loans and leases to core deposits | 131.1157% | 87 |
| Total domestic deposits to total assets | 77.4022% | 4,438 |
| Equity capital to assets | 12.5772% | 790 |
| Core capital (leverage) ratio | 12.8260% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7210% | 798 |
| Memoranda: | ||
| Average total assets | $735,764,500 | 1,274 |
| Average earning assets | $706,186,500 | 1,250 |
| Average equity | $88,532,000 | 1,098 |
| Average total loans | $615,015,500 | 1,001 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 189 |
| Cost of funding earning assets | 1.0262% | 68 |
| Net interest margin | 4.1886% | 497 |
| Noninterest income to average assets | 0.1714% | 4,297 |
| Noninterest expense to average assets | 2.4319% | 2,389 |
| Loan and lease loss provision to assets | 0.3518% | 208 |
| Net operating income to assets | 1.1218% | 2,205 |
| Return on assets (ROA) | 1.1179% | 2,283 |
| Pretax return on assets | 1.4329% | 1,936 |
| Return on Equity (ROE) | 9.6488% | 2,661 |
| Retained earnings to average equity (ytd only) | 9.6488% | 1,004 |
| Net charge-offs to loans | 0.0509% | 1,303 |
| Credit loss provision to net charge-offs | 811.6883% | 601 |
| Earnings coverage of net charge-offs (x) | 41.2890% | 1,418 |
| Efficiency ratio | 57.6072% | 3,505 |
| Assets per employee ($millions) | 13.1384% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,101 |
| Loan loss allowance to noncurrent loans | 36.2030% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 3.8549% | 46 |
| Noncurrent loans to loans | 3.7502% | 121 |
| Net loans and leases to total assets | 77.5431% | 408 |
| Net loans and leases to deposits | 95.3064% | 340 |
| Net loans and leases to core deposits | 109.3268% | 295 |
| Total domestic deposits to total assets | 81.3619% | 4,059 |
| Equity capital to assets | 11.5256% | 1,498 |
| Core capital (leverage) ratio | 11.9814% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0655% | 748 |
| Memoranda: | ||
| Average total assets | $710,596,000 | 1,274 |
| Average earning assets | $687,097,800 | 1,237 |
| Average equity | $82,331,600 | 1,172 |
| Average total loans | $604,517,400 | 1,002 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 281 |
| Cost of funding earning assets | 1.0845% | 59 |
| Net interest margin | 3.9520% | 861 |
| Noninterest income to average assets | 0.2102% | 4,146 |
| Noninterest expense to average assets | 2.4209% | 2,369 |
| Loan and lease loss provision to assets | 0.3192% | 238 |
| Net operating income to assets | 1.0038% | 2,890 |
| Return on assets (ROA) | 1.0002% | 2,971 |
| Pretax return on assets | 1.2900% | 2,645 |
| Return on Equity (ROE) | 8.6199% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.6199% | 1,826 |
| Net charge-offs to loans | 0.0037% | 2,214 |
| Credit loss provision to net charge-offs | 9,823.5294% | 78 |
| Earnings coverage of net charge-offs (x) | 496.7647% | 302 |
| Efficiency ratio | 60.0028% | 2,981 |
| Assets per employee ($millions) | 10.9517% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,455 |
| Loan loss allowance to noncurrent loans | 22.7802% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 5.3025% | 23 |
| Noncurrent loans to loans | 5.7345% | 59 |
| Net loans and leases to total assets | 80.5963% | 263 |
| Net loans and leases to deposits | 99.9582% | 227 |
| Net loans and leases to core deposits | 117.8891% | 205 |
| Total domestic deposits to total assets | 80.6300% | 4,144 |
| Equity capital to assets | 11.8941% | 1,447 |
| Core capital (leverage) ratio | 11.6634% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2244% | 671 |
| Memoranda: | ||
| Average total assets | $697,738,750 | 1,307 |
| Average earning assets | $675,219,250 | 1,270 |
| Average equity | $80,957,500 | 1,215 |
| Average total loans | $605,889,000 | 1,021 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 433 |
| Cost of funding earning assets | 1.1391% | 59 |
| Net interest margin | 3.7227% | 1,292 |
| Noninterest income to average assets | 0.1931% | 4,233 |
| Noninterest expense to average assets | 2.6186% | 1,810 |
| Loan and lease loss provision to assets | 0.2886% | 306 |
| Net operating income to assets | 0.7002% | 3,764 |
| Return on assets (ROA) | 0.6961% | 3,838 |
| Pretax return on assets | 0.9013% | 3,662 |
| Return on Equity (ROE) | 6.0512% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.0512% | 2,779 |
| Net charge-offs to loans | -0.0498% | 4,372 |
| Credit loss provision to net charge-offs | -653.5948% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6644% | 1,802 |
| Assets per employee ($millions) | 11.9271% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,153 |
| Loan loss allowance to noncurrent loans | 23.6593% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 4.9493% | 34 |
| Noncurrent loans to loans | 4.8919% | 86 |
| Net loans and leases to total assets | 87.5779% | 49 |
| Net loans and leases to deposits | 108.8057% | 123 |
| Net loans and leases to core deposits | 137.4799% | 92 |
| Total domestic deposits to total assets | 80.4902% | 4,156 |
| Equity capital to assets | 11.7547% | 1,488 |
| Core capital (leverage) ratio | 11.0811% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5724% | 643 |
| Memoranda: | ||
| Average total assets | $693,032,000 | 1,310 |
| Average earning assets | $674,025,667 | 1,268 |
| Average equity | $79,720,333 | 1,226 |
| Average total loans | $614,076,667 | 1,000 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 530 |
| Cost of funding earning assets | 1.1751% | 63 |
| Net interest margin | 3.5764% | 1,645 |
| Noninterest income to average assets | 0.2647% | 3,813 |
| Noninterest expense to average assets | 2.6364% | 1,776 |
| Loan and lease loss provision to assets | 0.4302% | 168 |
| Net operating income to assets | 0.5164% | 4,143 |
| Return on assets (ROA) | 0.5069% | 4,202 |
| Pretax return on assets | 0.6660% | 4,088 |
| Return on Equity (ROE) | 4.4550% | 4,202 |
| Retained earnings to average equity (ytd only) | 4.4550% | 3,378 |
| Net charge-offs to loans | -0.2310% | 4,810 |
| Credit loss provision to net charge-offs | -210.1408% | 2,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4034% | 1,656 |
| Assets per employee ($millions) | 11.8044% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,363 |
| Loan loss allowance to noncurrent loans | 28.0022% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 4.2469% | 48 |
| Noncurrent loans to loans | 3.9768% | 139 |
| Net loans and leases to total assets | 88.2901% | 41 |
| Net loans and leases to deposits | 108.6775% | 147 |
| Net loans and leases to core deposits | 137.4104% | 98 |
| Total domestic deposits to total assets | 81.2404% | 4,022 |
| Equity capital to assets | 11.2388% | 1,688 |
| Core capital (leverage) ratio | 11.0935% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3021% | 640 |
| Memoranda: | ||
| Average total assets | $693,661,000 | 1,296 |
| Average earning assets | $674,988,500 | 1,250 |
| Average equity | $78,922,500 | 1,225 |
| Average total loans | $614,647,500 | 1,002 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8611% | 653 |
| Cost of funding earning assets | 1.7700% | 24 |
| Net interest margin | 3.0912% | 3,650 |
| Noninterest income to average assets | 0.1707% | 4,431 |
| Noninterest expense to average assets | 2.3501% | 3,271 |
| Loan and lease loss provision to assets | 0.2094% | 1,877 |
| Net operating income to assets | 0.4767% | 4,079 |
| Return on assets (ROA) | 1.1593% | 1,809 |
| Pretax return on assets | 1.4791% | 1,411 |
| Return on Equity (ROE) | 11.1441% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.1441% | 421 |
| Net charge-offs to loans | 0.1473% | 1,107 |
| Credit loss provision to net charge-offs | 169.4915% | 2,320 |
| Earnings coverage of net charge-offs (x) | 6.6734% | 2,757 |
| Efficiency ratio | 74.0316% | 1,437 |
| Assets per employee ($millions) | 11.3177% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,885 |
| Loan loss allowance to noncurrent loans | 27.5085% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 4.1267% | 59 |
| Noncurrent loans to loans | 3.6180% | 182 |
| Net loans and leases to total assets | 87.0301% | 67 |
| Net loans and leases to deposits | 108.1313% | 188 |
| Net loans and leases to core deposits | 133.7993% | 171 |
| Total domestic deposits to total assets | 80.4856% | 3,959 |
| Equity capital to assets | 11.5226% | 1,866 |
| Core capital (leverage) ratio | 10.9300% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7001% | 609 |
| Memoranda: | ||
| Average total assets | $716,449,400 | 1,153 |
| Average earning assets | $696,173,600 | 1,109 |
| Average equity | $74,533,000 | 1,228 |
| Average total loans | $600,883,600 | 975 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 1,003 |
| Cost of funding earning assets | 1.8952% | 22 |
| Net interest margin | 2.8329% | 4,287 |
| Noninterest income to average assets | 0.1644% | 4,479 |
| Noninterest expense to average assets | 2.2660% | 3,509 |
| Loan and lease loss provision to assets | 0.1746% | 2,237 |
| Net operating income to assets | 0.3679% | 4,327 |
| Return on assets (ROA) | 1.2668% | 1,549 |
| Pretax return on assets | 1.6146% | 1,149 |
| Return on Equity (ROE) | 12.4916% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.4916% | 373 |
| Net charge-offs to loans | 0.0711% | 1,604 |
| Credit loss provision to net charge-offs | 295.9502% | 1,774 |
| Earnings coverage of net charge-offs (x) | 11.0436% | 2,320 |
| Efficiency ratio | 77.6763% | 1,066 |
| Assets per employee ($millions) | 11.7852% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 3,934 |
| Loan loss allowance to noncurrent loans | 36.2336% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 3.2648% | 120 |
| Noncurrent loans to loans | 2.5931% | 398 |
| Net loans and leases to total assets | 85.9268% | 157 |
| Net loans and leases to deposits | 104.7022% | 366 |
| Net loans and leases to core deposits | 131.8845% | 222 |
| Total domestic deposits to total assets | 82.0678% | 3,403 |
| Equity capital to assets | 10.5044% | 2,787 |
| Core capital (leverage) ratio | 9.8542% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9198% | 690 |
| Memoranda: | ||
| Average total assets | $725,797,000 | 1,123 |
| Average earning assets | $705,273,250 | 1,080 |
| Average equity | $73,605,000 | 1,224 |
| Average total loans | $601,872,750 | 968 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 1,117 |
| Cost of funding earning assets | 1.7526% | 58 |
| Net interest margin | 3.0672% | 3,976 |
| Noninterest income to average assets | 0.0768% | 4,849 |
| Noninterest expense to average assets | 2.1462% | 3,934 |
| Loan and lease loss provision to assets | 0.1906% | 2,119 |
| Net operating income to assets | 0.5791% | 3,805 |
| Return on assets (ROA) | 0.6863% | 3,544 |
| Pretax return on assets | 0.8520% | 3,451 |
| Return on Equity (ROE) | 6.8499% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.8499% | 1,717 |
| Net charge-offs to loans | 0.0474% | 1,805 |
| Credit loss provision to net charge-offs | 492.8571% | 1,250 |
| Earnings coverage of net charge-offs (x) | 23.5429% | 1,598 |
| Efficiency ratio | 70.2178% | 1,927 |
| Assets per employee ($millions) | 12.6698% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,823 |
| Loan loss allowance to noncurrent loans | 37.1241% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.0501% | 153 |
| Noncurrent loans to loans | 2.5387% | 451 |
| Net loans and leases to total assets | 82.6176% | 355 |
| Net loans and leases to deposits | 101.8720% | 452 |
| Net loans and leases to core deposits | 134.0485% | 216 |
| Total domestic deposits to total assets | 81.0994% | 3,580 |
| Equity capital to assets | 10.2694% | 2,950 |
| Core capital (leverage) ratio | 9.2031% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2979% | 1,414 |
| Memoranda: | ||
| Average total assets | $724,168,667 | 1,112 |
| Average earning assets | $703,509,667 | 1,070 |
| Average equity | $72,555,333 | 1,232 |
| Average total loans | $591,228,000 | 971 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 351 |
| Cost of funding earning assets | 1.8398% | 68 |
| Net interest margin | 3.6901% | 2,357 |
| Noninterest income to average assets | 0.0516% | 4,970 |
| Noninterest expense to average assets | 2.0840% | 4,251 |
| Loan and lease loss provision to assets | 0.2105% | 1,453 |
| Net operating income to assets | 1.0570% | 1,982 |
| Return on assets (ROA) | 1.0588% | 2,077 |
| Pretax return on assets | 1.3457% | 1,733 |
| Return on Equity (ROE) | 10.7083% | 1,499 |
| Retained earnings to average equity (ytd only) | 10.7083% | 613 |
| Net charge-offs to loans | 0.0744% | 1,282 |
| Credit loss provision to net charge-offs | 350.4673% | 1,076 |
| Earnings coverage of net charge-offs (x) | 25.8692% | 1,272 |
| Efficiency ratio | 57.2840% | 4,082 |
| Assets per employee ($millions) | 12.6705% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,726 |
| Loan loss allowance to noncurrent loans | 42.2113% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7231% | 240 |
| Noncurrent loans to loans | 2.3631% | 527 |
| Net loans and leases to total assets | 78.2351% | 944 |
| Net loans and leases to deposits | 97.1957% | 799 |
| Net loans and leases to core deposits | 122.5740% | 397 |
| Total domestic deposits to total assets | 80.4923% | 3,763 |
| Equity capital to assets | 10.0461% | 3,736 |
| Core capital (leverage) ratio | 9.4648% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7279% | 1,414 |
| Memoranda: | ||
| Average total assets | $712,492,500 | 1,095 |
| Average earning assets | $692,448,500 | 1,044 |
| Average equity | $70,450,000 | 1,253 |
| Average total loans | $575,112,000 | 973 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9748% | 237 |
| Cost of funding earning assets | 2.1489% | 29 |
| Net interest margin | 3.8259% | 2,420 |
| Noninterest income to average assets | 0.1384% | 4,785 |
| Noninterest expense to average assets | 2.3025% | 3,939 |
| Loan and lease loss provision to assets | 0.2290% | 841 |
| Net operating income to assets | 1.0289% | 2,735 |
| Return on assets (ROA) | 1.0289% | 2,832 |
| Pretax return on assets | 1.3083% | 2,484 |
| Return on Equity (ROE) | 10.1272% | 2,241 |
| Retained earnings to average equity (ytd only) | 10.1272% | 466 |
| Net charge-offs to loans | 0.0532% | 2,345 |
| Credit loss provision to net charge-offs | 498.3389% | 591 |
| Earnings coverage of net charge-offs (x) | 33.4585% | 1,471 |
| Efficiency ratio | 59.9658% | 3,701 |
| Assets per employee ($millions) | 12.1260% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 3,944 |
| Loan loss allowance to noncurrent loans | 48.6259% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.2972% | 304 |
| Noncurrent loans to loans | 1.8580% | 719 |
| Net loans and leases to total assets | 81.6549% | 591 |
| Net loans and leases to deposits | 103.6463% | 392 |
| Net loans and leases to core deposits | 130.9366% | 261 |
| Total domestic deposits to total assets | 78.7823% | 4,222 |
| Equity capital to assets | 9.7309% | 4,168 |
| Core capital (leverage) ratio | 9.7694% | 3,766 |
| Tier 1 risk-based capital ratio | 15.9031% | 2,440 |
| Total risk-based capital ratio | 17.1540% | 2,385 |
| Memoranda: | ||
| Average total assets | $655,146,400 | 1,142 |
| Average earning assets | $633,814,000 | 1,090 |
| Average equity | $66,563,400 | 1,274 |
| Average total loans | $565,697,400 | 957 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2464% | 162 |
| Cost of funding earning assets | 2.1056% | 43 |
| Net interest margin | 4.1407% | 1,523 |
| Noninterest income to average assets | 0.1608% | 4,740 |
| Noninterest expense to average assets | 2.2986% | 3,955 |
| Loan and lease loss provision to assets | 0.2656% | 587 |
| Net operating income to assets | 1.2575% | 1,995 |
| Return on assets (ROA) | 1.2575% | 2,075 |
| Pretax return on assets | 1.5975% | 1,646 |
| Return on Equity (ROE) | 12.2328% | 1,537 |
| Retained earnings to average equity (ytd only) | 12.2328% | 359 |
| Net charge-offs to loans | 0.0669% | 1,871 |
| Credit loss provision to net charge-offs | 453.7367% | 688 |
| Earnings coverage of net charge-offs (x) | 31.8290% | 1,570 |
| Efficiency ratio | 55.2330% | 4,252 |
| Assets per employee ($millions) | 12.2550% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,164 |
| Loan loss allowance to noncurrent loans | 56.5981% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.3529% | 316 |
| Noncurrent loans to loans | 1.5371% | 976 |
| Net loans and leases to total assets | 88.1772% | 89 |
| Net loans and leases to deposits | 113.2945% | 144 |
| Net loans and leases to core deposits | 146.7626% | 139 |
| Total domestic deposits to total assets | 77.8301% | 4,378 |
| Equity capital to assets | 10.4062% | 3,633 |
| Core capital (leverage) ratio | 9.4977% | 4,166 |
| Tier 1 risk-based capital ratio | 15.6903% | 2,566 |
| Total risk-based capital ratio | 16.9411% | 2,501 |
| Memoranda: | ||
| Average total assets | $640,074,250 | 1,167 |
| Average earning assets | $618,455,750 | 1,113 |
| Average equity | $65,799,750 | 1,285 |
| Average total loans | $559,743,250 | 964 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3820% | 134 |
| Cost of funding earning assets | 2.0499% | 45 |
| Net interest margin | 4.3321% | 1,079 |
| Noninterest income to average assets | 0.0070% | 5,243 |
| Noninterest expense to average assets | 2.3074% | 3,985 |
| Loan and lease loss provision to assets | 0.2054% | 825 |
| Net operating income to assets | 1.3201% | 1,695 |
| Return on assets (ROA) | 1.3201% | 1,757 |
| Pretax return on assets | 1.6766% | 1,322 |
| Return on Equity (ROE) | 12.8964% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.8964% | 311 |
| Net charge-offs to loans | 0.0963% | 1,398 |
| Credit loss provision to net charge-offs | 245.2830% | 1,039 |
| Earnings coverage of net charge-offs (x) | 22.4717% | 1,691 |
| Efficiency ratio | 55.0769% | 4,359 |
| Assets per employee ($millions) | 11.5617% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,388 |
| Loan loss allowance to noncurrent loans | 49.6370% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.6817% | 258 |
| Noncurrent loans to loans | 1.6424% | 937 |
| Net loans and leases to total assets | 83.2979% | 432 |
| Net loans and leases to deposits | 103.9105% | 426 |
| Net loans and leases to core deposits | 150.3270% | 131 |
| Total domestic deposits to total assets | 80.1631% | 4,006 |
| Equity capital to assets | 10.1581% | 3,828 |
| Core capital (leverage) ratio | 9.8388% | 3,776 |
| Tier 1 risk-based capital ratio | 16.3638% | 2,282 |
| Total risk-based capital ratio | 17.5779% | 2,237 |
| Memoranda: | ||
| Average total assets | $632,842,000 | 1,174 |
| Average earning assets | $610,970,000 | 1,124 |
| Average equity | $64,778,000 | 1,296 |
| Average total loans | $550,107,000 | 982 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5238% | 118 |
| Cost of funding earning assets | 2.0552% | 43 |
| Net interest margin | 4.4686% | 784 |
| Noninterest income to average assets | -0.1510% | 5,339 |
| Noninterest expense to average assets | 2.3300% | 3,948 |
| Loan and lease loss provision to assets | 0.1614% | 1,043 |
| Net operating income to assets | 1.3167% | 1,639 |
| Return on assets (ROA) | 1.3167% | 1,682 |
| Pretax return on assets | 1.6729% | 1,277 |
| Return on Equity (ROE) | 12.8111% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.8111% | 489 |
| Net charge-offs to loans | 0.1291% | 969 |
| Credit loss provision to net charge-offs | 141.2429% | 1,289 |
| Earnings coverage of net charge-offs (x) | 16.0565% | 1,716 |
| Efficiency ratio | 55.9516% | 4,341 |
| Assets per employee ($millions) | 10.6803% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,606 |
| Loan loss allowance to noncurrent loans | 70.6308% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 341 |
| Noncurrent loans to loans | 1.0909% | 1,522 |
| Net loans and leases to total assets | 88.8274% | 73 |
| Net loans and leases to deposits | 112.5369% | 169 |
| Net loans and leases to core deposits | 178.7971% | 52 |
| Total domestic deposits to total assets | 78.9319% | 4,365 |
| Equity capital to assets | 10.6362% | 3,218 |
| Core capital (leverage) ratio | 9.4581% | 4,182 |
| Tier 1 risk-based capital ratio | 16.0248% | 2,428 |
| Total risk-based capital ratio | 17.1838% | 2,401 |
| Memoranda: | ||
| Average total assets | $619,753,500 | 1,194 |
| Average earning assets | $598,486,000 | 1,145 |
| Average equity | $63,695,000 | 1,302 |
| Average total loans | $548,430,000 | 990 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 429 |
| Cost of funding earning assets | 1.7772% | 32 |
| Net interest margin | 3.6931% | 3,056 |
| Noninterest income to average assets | -0.0791% | 5,372 |
| Noninterest expense to average assets | 2.2234% | 4,285 |
| Loan and lease loss provision to assets | 0.1233% | 1,788 |
| Net operating income to assets | 0.8803% | 3,495 |
| Return on assets (ROA) | 0.8803% | 3,484 |
| Pretax return on assets | 1.1239% | 3,192 |
| Return on Equity (ROE) | 7.1382% | 3,777 |
| Retained earnings to average equity (ytd only) | 7.1382% | 1,609 |
| Net charge-offs to loans | 0.0623% | 2,236 |
| Credit loss provision to net charge-offs | 223.8806% | 1,310 |
| Earnings coverage of net charge-offs (x) | 22.6530% | 1,891 |
| Efficiency ratio | 64.0642% | 3,184 |
| Assets per employee ($millions) | 12.8720% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 4,682 |
| Loan loss allowance to noncurrent loans | 75.1730% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 643 |
| Noncurrent loans to loans | 0.9947% | 1,632 |
| Net loans and leases to total assets | 86.8475% | 182 |
| Net loans and leases to deposits | 110.8913% | 229 |
| Net loans and leases to core deposits | 176.1305% | 58 |
| Total domestic deposits to total assets | 78.3177% | 4,441 |
| Equity capital to assets | 9.9312% | 3,739 |
| Core capital (leverage) ratio | 8.8616% | 4,761 |
| Tier 1 risk-based capital ratio | 14.9294% | 2,859 |
| Total risk-based capital ratio | 16.0463% | 2,852 |
| Memoranda: | ||
| Average total assets | $486,771,800 | 1,442 |
| Average earning assets | $467,873,000 | 1,395 |
| Average equity | $60,029,400 | 1,324 |
| Average total loans | $430,386,600 | 1,177 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 579 |
| Cost of funding earning assets | 1.5470% | 57 |
| Net interest margin | 3.6916% | 3,053 |
| Noninterest income to average assets | -0.1893% | 5,455 |
| Noninterest expense to average assets | 2.1180% | 4,509 |
| Loan and lease loss provision to assets | 0.0887% | 2,198 |
| Net operating income to assets | 0.8947% | 3,558 |
| Return on assets (ROA) | 0.8947% | 3,563 |
| Pretax return on assets | 1.1429% | 3,228 |
| Return on Equity (ROE) | 6.7926% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.7926% | 2,241 |
| Net charge-offs to loans | 0.0357% | 2,372 |
| Credit loss provision to net charge-offs | 280.3738% | 1,075 |
| Earnings coverage of net charge-offs (x) | 38.9167% | 1,381 |
| Efficiency ratio | 63.2318% | 3,297 |
| Assets per employee ($millions) | 12.5631% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 4,815 |
| Loan loss allowance to noncurrent loans | 79.8198% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.5961% | 787 |
| Noncurrent loans to loans | 0.9117% | 1,880 |
| Net loans and leases to total assets | 90.1953% | 65 |
| Net loans and leases to deposits | 116.1452% | 145 |
| Net loans and leases to core deposits | 182.2178% | 48 |
| Total domestic deposits to total assets | 77.6574% | 4,537 |
| Equity capital to assets | 10.1646% | 3,481 |
| Core capital (leverage) ratio | 9.1237% | 4,596 |
| Tier 1 risk-based capital ratio | 14.4605% | 3,148 |
| Total risk-based capital ratio | 15.5387% | 3,137 |
| Memoranda: | ||
| Average total assets | $450,782,250 | 1,543 |
| Average earning assets | $432,145,250 | 1,505 |
| Average equity | $59,377,000 | 1,336 |
| Average total loans | $400,008,250 | 1,259 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 656 |
| Cost of funding earning assets | 1.0524% | 363 |
| Net interest margin | 4.0510% | 1,697 |
| Noninterest income to average assets | -0.3682% | 5,524 |
| Noninterest expense to average assets | 2.1386% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0656% | 2,726 |
| Return on assets (ROA) | 1.0656% | 2,733 |
| Pretax return on assets | 1.3603% | 2,295 |
| Return on Equity (ROE) | 7.2242% | 3,825 |
| Retained earnings to average equity (ytd only) | 7.2242% | 1,967 |
| Net charge-offs to loans | -0.0171% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1222% | 3,750 |
| Assets per employee ($millions) | 14.6890% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7226% | 4,884 |
| Loan loss allowance to noncurrent loans | 94.6782% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 982 |
| Noncurrent loans to loans | 0.7632% | 2,211 |
| Net loans and leases to total assets | 91.7337% | 35 |
| Net loans and leases to deposits | 116.9724% | 143 |
| Net loans and leases to core deposits | 209.8270% | 35 |
| Total domestic deposits to total assets | 78.4234% | 4,522 |
| Equity capital to assets | 10.5375% | 3,077 |
| Core capital (leverage) ratio | 12.8979% | 1,272 |
| Tier 1 risk-based capital ratio | 14.3195% | 3,197 |
| Total risk-based capital ratio | 15.3671% | 3,226 |
| Memoranda: | ||
| Average total assets | $400,347,670 | 1,724 |
| Average earning assets | $382,177,670 | 1,678 |
| Average equity | $59,051,330 | 1,344 |
| Average total loans | $351,111,670 | 1,398 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 2,131 |
| Cost of funding earning assets | 0.7655% | 1,119 |
| Net interest margin | 3.6534% | 2,976 |
| Noninterest income to average assets | 0.1337% | 5,197 |
| Noninterest expense to average assets | 2.6744% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7043% | 4,084 |
| Return on assets (ROA) | 0.7043% | 4,091 |
| Pretax return on assets | 0.9055% | 3,830 |
| Return on Equity (ROE) | 3.7881% | 4,822 |
| Retained earnings to average equity (ytd only) | 3.7881% | 3,681 |
| Net charge-offs to loans | -0.0397% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7065% | 1,794 |
| Assets per employee ($millions) | 8.4968% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,707 |
| Loan loss allowance to noncurrent loans | 83.5338% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 3.0819% | 253 |
| Noncurrent loans to loans | 1.7175% | 996 |
| Net loans and leases to total assets | 83.4764% | 494 |
| Net loans and leases to deposits | 109.0318% | 286 |
| Net loans and leases to core deposits | 125.6815% | 430 |
| Total domestic deposits to total assets | 76.5615% | 4,913 |
| Equity capital to assets | 18.6812% | 270 |
| Core capital (leverage) ratio | 16.1426% | 468 |
| Tier 1 risk-based capital ratio | 17.9409% | 1,854 |
| Total risk-based capital ratio | 19.1922% | 1,803 |
| Memoranda: | ||
| Average total assets | $314,086,000 | 2,116 |
| Average earning assets | $296,272,000 | 2,086 |
| Average equity | $58,394,000 | 1,363 |
| Average total loans | $261,997,000 | 1,787 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 2,695 |
| Cost of funding earning assets | 0.6112% | 1,527 |
| Net interest margin | 3.5859% | 3,218 |
| Noninterest income to average assets | 0.0292% | 5,572 |
| Noninterest expense to average assets | 2.7222% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.9280% | 5,638 |
| Return on assets (ROA) | -1.9280% | 5,637 |
| Pretax return on assets | 0.5966% | 4,745 |
| Return on Equity (ROE) | -8.7586% | 5,582 |
| Retained earnings to average equity (ytd only) | -8.7586% | 5,513 |
| Net charge-offs to loans | -0.0677% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0244% | 925 |
| Assets per employee ($millions) | 8.0459% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,503 |
| Loan loss allowance to noncurrent loans | 82.8746% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 3.0938% | 251 |
| Noncurrent loans to loans | 1.7762% | 901 |
| Net loans and leases to total assets | 80.9284% | 845 |
| Net loans and leases to deposits | 100.1171% | 718 |
| Net loans and leases to core deposits | 112.2601% | 886 |
| Total domestic deposits to total assets | 80.8338% | 4,160 |
| Equity capital to assets | 18.5021% | 277 |
| Core capital (leverage) ratio | 16.6676% | 393 |
| Tier 1 risk-based capital ratio | 18.1818% | 1,754 |
| Total risk-based capital ratio | 19.4413% | 1,697 |
| Memoranda: | ||
| Average total assets | $284,288,600 | 2,261 |
| Average earning assets | $260,796,200 | 2,279 |
| Average equity | $62,578,400 | 1,266 |
| Average total loans | $226,020,600 | 1,959 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,792 |
| Cost of funding earning assets | 0.5768% | 1,696 |
| Net interest margin | 3.5727% | 3,254 |
| Noninterest income to average assets | 0.1459% | 5,278 |
| Noninterest expense to average assets | 2.6983% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4531% | 4,875 |
| Return on assets (ROA) | 0.4531% | 4,901 |
| Pretax return on assets | 0.6982% | 4,616 |
| Return on Equity (ROE) | 1.9693% | 5,316 |
| Retained earnings to average equity (ytd only) | 1.9693% | 4,652 |
| Net charge-offs to loans | -0.0960% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4443% | 1,167 |
| Assets per employee ($millions) | 7.4758% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 1,122 |
| Loan loss allowance to noncurrent loans | 78.1044% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 3.4278% | 233 |
| Noncurrent loans to loans | 2.1169% | 778 |
| Net loans and leases to total assets | 77.5038% | 1,346 |
| Net loans and leases to deposits | 100.2818% | 725 |
| Net loans and leases to core deposits | 111.8560% | 931 |
| Total domestic deposits to total assets | 77.2860% | 4,834 |
| Equity capital to assets | 22.0952% | 154 |
| Core capital (leverage) ratio | 18.6813% | 266 |
| Tier 1 risk-based capital ratio | 22.1149% | 1,037 |
| Total risk-based capital ratio | 23.3843% | 1,016 |
| Memoranda: | ||
| Average total assets | $276,912,750 | 2,317 |
| Average earning assets | $251,938,000 | 2,357 |
| Average equity | $63,708,500 | 1,248 |
| Average total loans | $218,090,500 | 2,023 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,407 |
| Cost of funding earning assets | 0.5602% | 1,713 |
| Net interest margin | 3.3800% | 3,840 |
| Noninterest income to average assets | 0.0757% | 5,581 |
| Noninterest expense to average assets | 2.7225% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2713% | 5,284 |
| Return on assets (ROA) | 0.2713% | 5,302 |
| Pretax return on assets | 0.4183% | 5,148 |
| Return on Equity (ROE) | 1.1627% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.1627% | 4,774 |
| Net charge-offs to loans | -0.1606% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6807% | 638 |
| Assets per employee ($millions) | 7.6379% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,137 |
| Loan loss allowance to noncurrent loans | 77.4574% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 3.2941% | 256 |
| Noncurrent loans to loans | 2.1399% | 765 |
| Net loans and leases to total assets | 74.0685% | 1,851 |
| Net loans and leases to deposits | 94.2337% | 1,240 |
| Net loans and leases to core deposits | 102.4025% | 1,475 |
| Total domestic deposits to total assets | 78.6008% | 4,708 |
| Equity capital to assets | 20.8722% | 191 |
| Core capital (leverage) ratio | 19.3787% | 225 |
| Tier 1 risk-based capital ratio | 22.1091% | 1,037 |
| Total risk-based capital ratio | 23.3797% | 1,016 |
| Memoranda: | ||
| Average total assets | $272,031,670 | 2,358 |
| Average earning assets | $246,686,330 | 2,402 |
| Average equity | $63,471,330 | 1,250 |
| Average total loans | $214,198,670 | 2,054 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 2,564 |
| Cost of funding earning assets | 0.5862% | 1,467 |
| Net interest margin | 3.5397% | 3,121 |
| Noninterest income to average assets | 0.1457% | 5,386 |
| Noninterest expense to average assets | 2.9034% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2711% | 5,263 |
| Return on assets (ROA) | 0.2711% | 5,279 |
| Pretax return on assets | 0.4215% | 5,122 |
| Return on Equity (ROE) | 1.0928% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.0928% | 4,620 |
| Net charge-offs to loans | -0.0465% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3233% | 710 |
| Assets per employee ($millions) | 6.5920% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 944 |
| Loan loss allowance to noncurrent loans | 81.7756% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 4.5171% | 145 |
| Noncurrent loans to loans | 2.2113% | 763 |
| Net loans and leases to total assets | 79.4691% | 906 |
| Net loans and leases to deposits | 107.2918% | 278 |
| Net loans and leases to core deposits | 118.2903% | 516 |
| Total domestic deposits to total assets | 74.0681% | 5,413 |
| Equity capital to assets | 25.3279% | 98 |
| Core capital (leverage) ratio | 21.0405% | 163 |
| Tier 1 risk-based capital ratio | 23.9138% | 877 |
| Total risk-based capital ratio | 25.1868% | 856 |
| Memoranda: | ||
| Average total assets | $255,289,500 | 2,502 |
| Average earning assets | $229,286,000 | 2,561 |
| Average equity | $63,323,000 | 1,257 |
| Average total loans | $206,245,500 | 2,127 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 3,287 |
| Cost of funding earning assets | 0.4549% | 2,497 |
| Net interest margin | 3.5208% | 3,356 |
| Noninterest income to average assets | 0.2796% | 4,738 |
| Noninterest expense to average assets | 3.3724% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 7.2801% | 22 |
| Return on assets (ROA) | 7.2609% | 23 |
| Pretax return on assets | 0.1285% | 5,565 |
| Return on Equity (ROE) | 32.1256% | 29 |
| Retained earnings to average equity (ytd only) | 32.1256% | 13 |
| Net charge-offs to loans | -0.1183% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8045% | 319 |
| Assets per employee ($millions) | 7.0293% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 1,068 |
| Loan loss allowance to noncurrent loans | 94.6220% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 4.4017% | 160 |
| Noncurrent loans to loans | 1.8350% | 1,032 |
| Net loans and leases to total assets | 79.2502% | 996 |
| Net loans and leases to deposits | 105.7162% | 357 |
| Net loans and leases to core deposits | 114.1771% | 689 |
| Total domestic deposits to total assets | 74.9650% | 5,356 |
| Equity capital to assets | 24.3002% | 112 |
| Core capital (leverage) ratio | 21.9369% | 139 |
| Tier 1 risk-based capital ratio | 25.0256% | 771 |
| Total risk-based capital ratio | 26.3156% | 752 |
| Memoranda: | ||
| Average total assets | $234,283,000 | 2,622 |
| Average earning assets | $215,634,800 | 2,646 |
| Average equity | $52,951,600 | 1,453 |
| Average total loans | $185,939,800 | 2,250 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,456 |
| Cost of funding earning assets | 0.4231% | 2,807 |
| Net interest margin | 3.5163% | 3,409 |
| Noninterest income to average assets | 0.3043% | 4,591 |
| Noninterest expense to average assets | 3.2643% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 10.0451% | 15 |
| Return on assets (ROA) | 10.0188% | 16 |
| Pretax return on assets | 0.2721% | 5,489 |
| Return on Equity (ROE) | 45.2995% | 14 |
| Retained earnings to average equity (ytd only) | 45.2995% | 5 |
| Net charge-offs to loans | -0.1185% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6229% | 489 |
| Assets per employee ($millions) | 6.1085% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 996 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 4.6597% | 158 |
| Noncurrent loans to loans | 1.9074% | 1,050 |
| Net loans and leases to total assets | 79.0551% | 1,030 |
| Net loans and leases to deposits | 117.4458% | 138 |
| Net loans and leases to core deposits | 125.7567% | 377 |
| Total domestic deposits to total assets | 67.3120% | 5,785 |
| Equity capital to assets | 24.6797% | 112 |
| Core capital (leverage) ratio | 26.1471% | 85 |
| Tier 1 risk-based capital ratio | 26.3956% | 686 |
| Total risk-based capital ratio | 27.6960% | 664 |
| Memoranda: | ||
| Average total assets | $227,832,750 | 2,692 |
| Average earning assets | $211,123,000 | 2,694 |
| Average equity | $50,389,250 | 1,513 |
| Average total loans | $179,985,000 | 2,312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,056 |
| Cost of funding earning assets | 0.4166% | 2,871 |
| Net interest margin | 3.6358% | 2,953 |
| Noninterest income to average assets | 0.3840% | 3,997 |
| Noninterest expense to average assets | 3.5683% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2465% | 5,435 |
| Return on assets (ROA) | 0.2053% | 5,572 |
| Pretax return on assets | 0.2053% | 5,612 |
| Return on Equity (ROE) | 0.9722% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.9722% | 4,999 |
| Net charge-offs to loans | -0.1753% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5383% | 430 |
| Assets per employee ($millions) | 5.2133% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 730 |
| Loan loss allowance to noncurrent loans | 96.3604% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 5.3557% | 130 |
| Noncurrent loans to loans | 2.0785% | 945 |
| Net loans and leases to total assets | 81.4756% | 683 |
| Net loans and leases to deposits | 108.4267% | 292 |
| Net loans and leases to core deposits | 117.1092% | 607 |
| Total domestic deposits to total assets | 75.1434% | 5,393 |
| Equity capital to assets | 20.6630% | 201 |
| Core capital (leverage) ratio | 20.8561% | 165 |
| Tier 1 risk-based capital ratio | 23.5389% | 961 |
| Total risk-based capital ratio | 24.8051% | 931 |
| Memoranda: | ||
| Average total assets | $218,257,330 | 2,786 |
| Average earning assets | $205,954,330 | 2,751 |
| Average equity | $46,079,670 | 1,648 |
| Average total loans | $171,124,670 | 2,402 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,739 |
| Cost of funding earning assets | 0.4051% | 3,008 |
| Net interest margin | 3.4535% | 3,652 |
| Noninterest income to average assets | 0.4979% | 3,129 |
| Noninterest expense to average assets | 3.5300% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2304% | 5,476 |
| Return on assets (ROA) | 0.1468% | 5,671 |
| Pretax return on assets | 0.1468% | 5,696 |
| Return on Equity (ROE) | 0.6876% | 5,746 |
| Retained earnings to average equity (ytd only) | 0.6876% | 4,943 |
| Net charge-offs to loans | -0.1248% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8735% | 459 |
| Assets per employee ($millions) | 5.4260% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 682 |
| Loan loss allowance to noncurrent loans | 87.2749% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 5.6831% | 132 |
| Noncurrent loans to loans | 2.4112% | 802 |
| Net loans and leases to total assets | 76.0107% | 1,394 |
| Net loans and leases to deposits | 96.4676% | 895 |
| Net loans and leases to core deposits | 101.1915% | 1,394 |
| Total domestic deposits to total assets | 78.7941% | 5,013 |
| Equity capital to assets | 20.7133% | 187 |
| Core capital (leverage) ratio | 20.8893% | 166 |
| Tier 1 risk-based capital ratio | 24.4498% | 869 |
| Total risk-based capital ratio | 25.7148% | 853 |
| Memoranda: | ||
| Average total assets | $215,299,000 | 2,830 |
| Average earning assets | $203,388,000 | 2,784 |
| Average equity | $45,959,000 | 1,642 |
| Average total loans | $163,497,000 | 2,488 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,481 |
| Cost of funding earning assets | 0.4010% | 3,150 |
| Net interest margin | 3.8226% | 2,293 |
| Noninterest income to average assets | 0.4696% | 3,534 |
| Noninterest expense to average assets | 3.7157% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2755% | 5,424 |
| Return on assets (ROA) | 0.2755% | 5,501 |
| Pretax return on assets | 0.2755% | 5,574 |
| Return on Equity (ROE) | 1.1526% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.1526% | 5,048 |
| Net charge-offs to loans | 0.1476% | 1,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.6923% | 3,846 |
| Efficiency ratio | 93.0976% | 524 |
| Assets per employee ($millions) | 5.2033% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3233% | 500 |
| Loan loss allowance to noncurrent loans | 81.3067% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 6.9927% | 101 |
| Noncurrent loans to loans | 2.8575% | 587 |
| Net loans and leases to total assets | 72.3949% | 1,982 |
| Net loans and leases to deposits | 94.2981% | 1,176 |
| Net loans and leases to core deposits | 98.4174% | 1,642 |
| Total domestic deposits to total assets | 76.7724% | 5,351 |
| Equity capital to assets | 22.0235% | 145 |
| Core capital (leverage) ratio | 23.1288% | 113 |
| Tier 1 risk-based capital ratio | 26.2826% | 728 |
| Total risk-based capital ratio | 27.5420% | 699 |
| Memoranda: | ||
| Average total assets | $190,570,000 | 3,043 |
| Average earning assets | $175,560,400 | 3,046 |
| Average equity | $45,549,000 | 1,617 |
| Average total loans | $132,097,200 | 2,855 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 1,827 |
| Cost of funding earning assets | 0.4041% | 3,182 |
| Net interest margin | 4.0221% | 1,632 |
| Noninterest income to average assets | 0.5371% | 3,124 |
| Noninterest expense to average assets | 3.8772% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3452% | 5,328 |
| Return on assets (ROA) | 0.3452% | 5,417 |
| Pretax return on assets | 0.3452% | 5,565 |
| Return on Equity (ROE) | 1.4131% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.4131% | 5,158 |
| Net charge-offs to loans | -0.1338% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8250% | 582 |
| Assets per employee ($millions) | 4.8304% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8475% | 285 |
| Loan loss allowance to noncurrent loans | 50.2832% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 9.0533% | 66 |
| Noncurrent loans to loans | 5.6628% | 159 |
| Net loans and leases to total assets | 70.7429% | 2,275 |
| Net loans and leases to deposits | 95.1697% | 1,078 |
| Net loans and leases to core deposits | 100.3275% | 1,483 |
| Total domestic deposits to total assets | 74.3334% | 5,684 |
| Equity capital to assets | 24.3576% | 106 |
| Core capital (leverage) ratio | 24.5605% | 95 |
| Tier 1 risk-based capital ratio | 29.0748% | 566 |
| Total risk-based capital ratio | 30.3414% | 556 |
| Memoranda: | ||
| Average total assets | $186,179,500 | 3,123 |
| Average earning assets | $170,585,000 | 3,136 |
| Average equity | $45,476,750 | 1,626 |
| Average total loans | $126,556,250 | 2,966 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,621 |
| Cost of funding earning assets | 0.3986% | 3,291 |
| Net interest margin | 3.5196% | 3,421 |
| Noninterest income to average assets | 0.5306% | 3,167 |
| Noninterest expense to average assets | 3.7801% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0496% | 6,024 |
| Return on assets (ROA) | -0.0496% | 6,056 |
| Pretax return on assets | -0.0496% | 6,046 |
| Return on Equity (ROE) | -0.2029% | 6,040 |
| Retained earnings to average equity (ytd only) | -0.2029% | 5,542 |
| Net charge-offs to loans | -0.3642% | 6,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3299% | 290 |
| Assets per employee ($millions) | 4.6888% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1961% | 222 |
| Loan loss allowance to noncurrent loans | 40.9305% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 10.4525% | 60 |
| Noncurrent loans to loans | 7.8086% | 90 |
| Net loans and leases to total assets | 64.6447% | 3,174 |
| Net loans and leases to deposits | 86.6994% | 1,978 |
| Net loans and leases to core deposits | 91.1238% | 2,231 |
| Total domestic deposits to total assets | 74.5619% | 5,741 |
| Equity capital to assets | 24.1852% | 104 |
| Core capital (leverage) ratio | 24.4908% | 94 |
| Tier 1 risk-based capital ratio | 31.8638% | 464 |
| Total risk-based capital ratio | 33.1373% | 455 |
| Memoranda: | ||
| Average total assets | $185,444,330 | 3,159 |
| Average earning assets | $168,599,000 | 3,182 |
| Average equity | $45,340,330 | 1,642 |
| Average total loans | $123,016,670 | 3,037 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 1,464 |
| Cost of funding earning assets | 0.3958% | 3,354 |
| Net interest margin | 4.1024% | 1,268 |
| Noninterest income to average assets | 0.1670% | 5,729 |
| Noninterest expense to average assets | 4.1130% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2581% | 6,173 |
| Return on assets (ROA) | -0.2581% | 6,193 |
| Pretax return on assets | -0.2581% | 6,176 |
| Return on Equity (ROE) | -1.0501% | 6,129 |
| Retained earnings to average equity (ytd only) | -1.0501% | 5,566 |
| Net charge-offs to loans | -0.5578% | 6,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6967% | 231 |
| Assets per employee ($millions) | 4.1002% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5182% | 181 |
| Loan loss allowance to noncurrent loans | 38.5569% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 11.6841% | 52 |
| Noncurrent loans to loans | 9.1246% | 76 |
| Net loans and leases to total assets | 60.0289% | 3,645 |
| Net loans and leases to deposits | 82.1371% | 2,327 |
| Net loans and leases to core deposits | 87.0233% | 2,430 |
| Total domestic deposits to total assets | 73.0838% | 5,972 |
| Equity capital to assets | 25.1064% | 95 |
| Core capital (leverage) ratio | 24.1151% | 100 |
| Tier 1 risk-based capital ratio | 35.7134% | 341 |
| Total risk-based capital ratio | 36.9855% | 340 |
| Memoranda: | ||
| Average total assets | $184,390,000 | 3,184 |
| Average earning assets | $165,758,500 | 3,240 |
| Average equity | $45,330,500 | 1,642 |
| Average total loans | $121,902,000 | 3,062 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 5,003 |
| Cost of funding earning assets | 0.4656% | 3,017 |
| Net interest margin | 3.1634% | 5,037 |
| Noninterest income to average assets | 0.1259% | 6,064 |
| Noninterest expense to average assets | 4.6031% | 422 |
| Loan and lease loss provision to assets | -1.4365% | 6,504 |
| Net operating income to assets | -0.1839% | 6,199 |
| Return on assets (ROA) | -0.1839% | 6,195 |
| Pretax return on assets | -0.1839% | 6,179 |
| Return on Equity (ROE) | -0.8497% | 6,161 |
| Retained earnings to average equity (ytd only) | -0.8497% | 5,902 |
| Net charge-offs to loans | 0.0327% | 4,178 |
| Credit loss provision to net charge-offs | -6,976.7442% | 6,075 |
| Earnings coverage of net charge-offs (x) | -78.6977% | 4,955 |
| Efficiency ratio | 154.3265% | 47 |
| Assets per employee ($millions) | 4.2812% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8725% | 343 |
| Loan loss allowance to noncurrent loans | 18.5272% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 17.4086% | 19 |
| Noncurrent loans to loans | 15.5042% | 23 |
| Net loans and leases to total assets | 67.8333% | 2,583 |
| Net loans and leases to deposits | 91.5978% | 1,328 |
| Net loans and leases to core deposits | 96.7253% | 1,658 |
| Total domestic deposits to total assets | 74.0556% | 5,945 |
| Equity capital to assets | 24.0837% | 111 |
| Core capital (leverage) ratio | 23.1182% | 119 |
| Tier 1 risk-based capital ratio | 32.8229% | 401 |
| Total risk-based capital ratio | 34.0015% | 395 |
| Memoranda: | ||
| Average total assets | $208,838,200 | 2,887 |
| Average earning assets | $188,593,600 | 2,925 |
| Average equity | $45,190,200 | 1,593 |
| Average total loans | $131,419,200 | 2,840 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 5,388 |
| Cost of funding earning assets | 0.4175% | 3,606 |
| Net interest margin | 3.0849% | 5,299 |
| Noninterest income to average assets | 0.1645% | 5,929 |
| Noninterest expense to average assets | 4.9037% | 329 |
| Loan and lease loss provision to assets | -1.4021% | 6,582 |
| Net operating income to assets | -0.5465% | 6,382 |
| Return on assets (ROA) | -0.5465% | 6,379 |
| Pretax return on assets | -0.5465% | 6,369 |
| Return on Equity (ROE) | -2.5900% | 6,304 |
| Retained earnings to average equity (ytd only) | -2.5900% | 6,117 |
| Net charge-offs to loans | 0.1076% | 2,726 |
| Credit loss provision to net charge-offs | -2,122.6415% | 5,967 |
| Earnings coverage of net charge-offs (x) | -29.5000% | 4,663 |
| Efficiency ratio | 165.9426% | 40 |
| Assets per employee ($millions) | 4.8878% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4883% | 231 |
| Loan loss allowance to noncurrent loans | 54.1520% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 10.8423% | 76 |
| Noncurrent loans to loans | 6.4418% | 197 |
| Net loans and leases to total assets | 63.2125% | 3,308 |
| Net loans and leases to deposits | 83.8715% | 2,170 |
| Net loans and leases to core deposits | 88.2954% | 2,394 |
| Total domestic deposits to total assets | 75.3683% | 5,887 |
| Equity capital to assets | 22.9347% | 133 |
| Core capital (leverage) ratio | 23.5675% | 115 |
| Tier 1 risk-based capital ratio | 35.0499% | 350 |
| Total risk-based capital ratio | 36.3269% | 345 |
| Memoranda: | ||
| Average total assets | $213,954,750 | 2,865 |
| Average earning assets | $193,542,000 | 2,895 |
| Average equity | $45,146,000 | 1,597 |
| Average total loans | $131,384,500 | 2,844 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 5,240 |
| Cost of funding earning assets | 0.4527% | 3,298 |
| Net interest margin | 3.1157% | 5,211 |
| Noninterest income to average assets | 0.0909% | 6,313 |
| Noninterest expense to average assets | 5.4520% | 240 |
| Loan and lease loss provision to assets | -1.3630% | 6,646 |
| Net operating income to assets | -1.1713% | 6,550 |
| Return on assets (ROA) | -1.1713% | 6,547 |
| Pretax return on assets | -1.1713% | 6,532 |
| Return on Equity (ROE) | -5.6975% | 6,448 |
| Retained earnings to average equity (ytd only) | -5.6975% | 6,277 |
| Net charge-offs to loans | 0.3955% | 1,021 |
| Credit loss provision to net charge-offs | -572.5191% | 5,602 |
| Earnings coverage of net charge-offs (x) | -10.6450% | 4,312 |
| Efficiency ratio | 186.8577% | 28 |
| Assets per employee ($millions) | 4.4776% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1177% | 160 |
| Loan loss allowance to noncurrent loans | 80.7018% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 9.4789% | 105 |
| Noncurrent loans to loans | 5.1024% | 380 |
| Net loans and leases to total assets | 58.4764% | 3,926 |
| Net loans and leases to deposits | 76.6864% | 2,965 |
| Net loans and leases to core deposits | 78.9901% | 3,321 |
| Total domestic deposits to total assets | 76.2539% | 5,887 |
| Equity capital to assets | 22.0438% | 148 |
| Core capital (leverage) ratio | 18.7735% | 260 |
| Tier 1 risk-based capital ratio | 35.4450% | 330 |
| Total risk-based capital ratio | 36.7290% | 328 |
| Memoranda: | ||
| Average total assets | $220,102,330 | 2,808 |
| Average earning assets | $199,696,330 | 2,838 |
| Average equity | $45,248,000 | 1,580 |
| Average total loans | $132,494,330 | 2,824 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 4,576 |
| Cost of funding earning assets | 0.4881% | 3,029 |
| Net interest margin | 3.2887% | 4,591 |
| Noninterest income to average assets | 0.3121% | 4,870 |
| Noninterest expense to average assets | 4.5962% | 413 |
| Loan and lease loss provision to assets | -1.3077% | 6,714 |
| Net operating income to assets | 0.0192% | 6,187 |
| Return on assets (ROA) | 0.0192% | 6,204 |
| Pretax return on assets | 0.0192% | 6,198 |
| Return on Equity (ROE) | 0.0964% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.0964% | 5,521 |
| Net charge-offs to loans | 0.7371% | 474 |
| Credit loss provision to net charge-offs | -296.4427% | 5,041 |
| Earnings coverage of net charge-offs (x) | -2.9209% | 3,553 |
| Efficiency ratio | 138.9562% | 89 |
| Assets per employee ($millions) | 3.8653% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7327% | 108 |
| Loan loss allowance to noncurrent loans | 90.4133% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 8.7755% | 140 |
| Noncurrent loans to loans | 5.2345% | 405 |
| Net loans and leases to total assets | 54.1147% | 4,399 |
| Net loans and leases to deposits | 70.8272% | 3,494 |
| Net loans and leases to core deposits | 74.2934% | 3,616 |
| Total domestic deposits to total assets | 76.4039% | 6,039 |
| Equity capital to assets | 21.0972% | 170 |
| Core capital (leverage) ratio | 19.5001% | 227 |
| Tier 1 risk-based capital ratio | 35.7626% | 328 |
| Total risk-based capital ratio | 37.0065% | 318 |
| Memoranda: | ||
| Average total assets | $229,408,500 | 2,750 |
| Average earning assets | $208,956,500 | 2,760 |
| Average equity | $45,664,000 | 1,567 |
| Average total loans | $137,299,500 | 2,773 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 3,790 |
| Cost of funding earning assets | 0.6602% | 2,122 |
| Net interest margin | 3.4266% | 4,179 |
| Noninterest income to average assets | 0.6966% | 2,562 |
| Noninterest expense to average assets | 5.3041% | 282 |
| Loan and lease loss provision to assets | -2.3165% | 6,810 |
| Net operating income to assets | 0.8182% | 3,198 |
| Return on assets (ROA) | 0.8182% | 3,296 |
| Pretax return on assets | 0.8182% | 4,082 |
| Return on Equity (ROE) | 5.2740% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.2740% | 2,433 |
| Net charge-offs to loans | -0.1319% | 6,541 |
| Credit loss provision to net charge-offs | 2,601.8100% | 89 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.3670% | 86 |
| Assets per employee ($millions) | 4.0394% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4986% | 134 |
| Loan loss allowance to noncurrent loans | 96.5059% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 8.0796% | 185 |
| Noncurrent loans to loans | 4.6615% | 559 |
| Net loans and leases to total assets | 59.7552% | 3,762 |
| Net loans and leases to deposits | 75.9223% | 2,973 |
| Net loans and leases to core deposits | 86.2119% | 2,422 |
| Total domestic deposits to total assets | 78.7058% | 5,709 |
| Equity capital to assets | 18.8404% | 274 |
| Core capital (leverage) ratio | 19.0262% | 237 |
| Tier 1 risk-based capital ratio | 30.7707% | 476 |
| Total risk-based capital ratio | 32.0618% | 463 |
| Memoranda: | ||
| Average total assets | $248,221,200 | 2,545 |
| Average earning assets | $225,239,800 | 2,566 |
| Average equity | $38,509,400 | 1,809 |
| Average total loans | $167,520,600 | 2,331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,844 |
| Cost of funding earning assets | 0.6657% | 2,215 |
| Net interest margin | 3.4130% | 4,235 |
| Noninterest income to average assets | 1.4615% | 688 |
| Noninterest expense to average assets | 5.3308% | 276 |
| Loan and lease loss provision to assets | -1.4685% | 6,881 |
| Net operating income to assets | 0.6899% | 3,911 |
| Return on assets (ROA) | 0.6899% | 4,045 |
| Pretax return on assets | 0.6899% | 4,721 |
| Return on Equity (ROE) | 4.6911% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.6911% | 3,318 |
| Net charge-offs to loans | -0.1920% | 6,645 |
| Credit loss provision to net charge-offs | 1,113.3603% | 278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1026% | 198 |
| Assets per employee ($millions) | 3.2030% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0593% | 51 |
| Loan loss allowance to noncurrent loans | 71.1509% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 10.6787% | 122 |
| Noncurrent loans to loans | 8.5162% | 202 |
| Net loans and leases to total assets | 61.9057% | 3,380 |
| Net loans and leases to deposits | 77.5507% | 2,731 |
| Net loans and leases to core deposits | 86.6455% | 2,329 |
| Total domestic deposits to total assets | 79.8261% | 5,551 |
| Equity capital to assets | 18.1490% | 312 |
| Core capital (leverage) ratio | 18.5478% | 257 |
| Tier 1 risk-based capital ratio | 28.7851% | 579 |
| Total risk-based capital ratio | 30.1027% | 561 |
| Memoranda: | ||
| Average total assets | $249,686,000 | 2,547 |
| Average earning assets | $226,110,000 | 2,566 |
| Average equity | $36,721,250 | 1,897 |
| Average total loans | $171,489,250 | 2,292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 4,202 |
| Cost of funding earning assets | 0.6639% | 2,367 |
| Net interest margin | 3.3126% | 4,527 |
| Noninterest income to average assets | 1.8117% | 511 |
| Noninterest expense to average assets | 5.2149% | 306 |
| Loan and lease loss provision to assets | -1.1966% | 6,924 |
| Net operating income to assets | 0.7906% | 3,346 |
| Return on assets (ROA) | 0.7906% | 3,504 |
| Pretax return on assets | 0.7906% | 4,347 |
| Return on Equity (ROE) | 5.8223% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,539 |
| Net charge-offs to loans | -0.0734% | 6,396 |
| Credit loss provision to net charge-offs | 2,343.7500% | 144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4439% | 303 |
| Assets per employee ($millions) | 2.7584% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3412% | 45 |
| Loan loss allowance to noncurrent loans | 118.8739% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 9.2770% | 174 |
| Noncurrent loans to loans | 5.3344% | 581 |
| Net loans and leases to total assets | 72.1524% | 1,554 |
| Net loans and leases to deposits | 87.8019% | 1,364 |
| Net loans and leases to core deposits | 99.7192% | 1,100 |
| Total domestic deposits to total assets | 82.1764% | 4,993 |
| Equity capital to assets | 15.4202% | 630 |
| Core capital (leverage) ratio | 14.1628% | 783 |
| Tier 1 risk-based capital ratio | 20.9366% | 1,506 |
| Total risk-based capital ratio | 22.2613% | 1,468 |
| Memoranda: | ||
| Average total assets | $250,704,670 | 2,548 |
| Average earning assets | $226,832,330 | 2,567 |
| Average equity | $34,041,330 | 2,045 |
| Average total loans | $174,477,000 | 2,261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 4,674 |
| Cost of funding earning assets | 0.6281% | 2,856 |
| Net interest margin | 3.2140% | 4,876 |
| Noninterest income to average assets | 1.6449% | 574 |
| Noninterest expense to average assets | 4.7318% | 445 |
| Loan and lease loss provision to assets | -1.1349% | 6,997 |
| Net operating income to assets | 0.9518% | 2,433 |
| Return on assets (ROA) | 0.9518% | 2,575 |
| Pretax return on assets | 0.9518% | 3,558 |
| Return on Equity (ROE) | 7.4361% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.4361% | 1,971 |
| Net charge-offs to loans | 0.0114% | 3,916 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | -24.2000% | 4,130 |
| Efficiency ratio | 104.0253% | 441 |
| Assets per employee ($millions) | 3.3055% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8480% | 43 |
| Loan loss allowance to noncurrent loans | 105.6679% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 9.5486% | 218 |
| Noncurrent loans to loans | 6.4807% | 496 |
| Net loans and leases to total assets | 56.8086% | 3,959 |
| Net loans and leases to deposits | 66.2296% | 4,020 |
| Net loans and leases to core deposits | 71.8865% | 3,832 |
| Total domestic deposits to total assets | 85.7753% | 3,649 |
| Equity capital to assets | 12.2954% | 1,838 |
| Core capital (leverage) ratio | 14.1406% | 763 |
| Tier 1 risk-based capital ratio | 21.2327% | 1,483 |
| Total risk-based capital ratio | 22.4693% | 1,460 |
| Memoranda: | ||
| Average total assets | $264,340,000 | 2,447 |
| Average earning assets | $238,829,000 | 2,483 |
| Average equity | $33,835,000 | 2,085 |
| Average total loans | $175,651,500 | 2,266 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 5,836 |
| Cost of funding earning assets | 1.1015% | 900 |
| Net interest margin | 2.6925% | 6,531 |
| Noninterest income to average assets | 1.3118% | 894 |
| Noninterest expense to average assets | 5.1736% | 339 |
| Loan and lease loss provision to assets | -0.7264% | 7,061 |
| Net operating income to assets | -0.7678% | 6,668 |
| Return on assets (ROA) | -0.7678% | 6,686 |
| Pretax return on assets | -0.7678% | 6,665 |
| Return on Equity (ROE) | -6.3231% | 6,636 |
| Retained earnings to average equity (ytd only) | -6.3231% | 6,494 |
| Net charge-offs to loans | 0.1983% | 3,790 |
| Credit loss provision to net charge-offs | -573.0659% | 6,530 |
| Earnings coverage of net charge-offs (x) | -11.7880% | 5,946 |
| Efficiency ratio | 140.6080% | 116 |
| Assets per employee ($millions) | 3.3028% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7874% | 46 |
| Loan loss allowance to noncurrent loans | 123.1038% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 10.4105% | 201 |
| Noncurrent loans to loans | 5.5135% | 669 |
| Net loans and leases to total assets | 67.5730% | 2,265 |
| Net loans and leases to deposits | 80.0856% | 2,270 |
| Net loans and leases to core deposits | 90.9198% | 1,729 |
| Total domestic deposits to total assets | 84.3759% | 4,140 |
| Equity capital to assets | 13.3577% | 1,284 |
| Core capital (leverage) ratio | 12.1693% | 1,465 |
| Tier 1 risk-based capital ratio | 20.3188% | 1,603 |
| Total risk-based capital ratio | 21.6437% | 1,558 |
| Memoranda: | ||
| Average total assets | $275,339,000 | 2,303 |
| Average earning assets | $242,118,000 | 2,393 |
| Average equity | $33,432,800 | 2,065 |
| Average total loans | $175,970,400 | 2,250 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 6,586 |
| Cost of funding earning assets | 1.1779% | 768 |
| Net interest margin | 2.2541% | 6,964 |
| Noninterest income to average assets | 1.0802% | 1,289 |
| Noninterest expense to average assets | 5.0988% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -2.0448% | 7,043 |
| Return on assets (ROA) | -2.0448% | 7,054 |
| Pretax return on assets | -2.0448% | 7,039 |
| Return on Equity (ROE) | -17.2247% | 6,960 |
| Retained earnings to average equity (ytd only) | -17.2247% | 6,939 |
| Net charge-offs to loans | 0.2957% | 2,957 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -11.1524% | 5,741 |
| Efficiency ratio | 166.9563% | 65 |
| Assets per employee ($millions) | 3.3294% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1193% | 28 |
| Loan loss allowance to noncurrent loans | 60.1994% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 15.9715% | 75 |
| Noncurrent loans to loans | 13.4874% | 120 |
| Net loans and leases to total assets | 64.8638% | 2,864 |
| Net loans and leases to deposits | 76.0740% | 2,973 |
| Net loans and leases to core deposits | 87.0086% | 2,344 |
| Total domestic deposits to total assets | 85.2640% | 3,633 |
| Equity capital to assets | 12.5535% | 1,858 |
| Core capital (leverage) ratio | 11.9018% | 1,718 |
| Tier 1 risk-based capital ratio | 19.3909% | 1,897 |
| Total risk-based capital ratio | 20.7354% | 1,858 |
| Memoranda: | ||
| Average total assets | $281,419,750 | 2,291 |
| Average earning assets | $246,422,500 | 2,385 |
| Average equity | $33,408,500 | 2,077 |
| Average total loans | $174,470,500 | 2,293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 6,744 |
| Cost of funding earning assets | 1.2487% | 652 |
| Net interest margin | 2.1280% | 7,070 |
| Noninterest income to average assets | 0.7425% | 2,458 |
| Noninterest expense to average assets | 5.1125% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.5152% | 7,123 |
| Return on assets (ROA) | -2.5152% | 7,126 |
| Pretax return on assets | -2.5152% | 7,115 |
| Return on Equity (ROE) | -21.5394% | 7,051 |
| Retained earnings to average equity (ytd only) | -21.5394% | 7,027 |
| Net charge-offs to loans | 0.4509% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -9.3673% | 5,464 |
| Efficiency ratio | 196.8354% | 40 |
| Assets per employee ($millions) | 3.2663% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3582% | 32 |
| Loan loss allowance to noncurrent loans | 50.8892% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 16.9245% | 71 |
| Noncurrent loans to loans | 16.4242% | 83 |
| Net loans and leases to total assets | 60.0370% | 3,812 |
| Net loans and leases to deposits | 70.1059% | 3,878 |
| Net loans and leases to core deposits | 84.8163% | 2,588 |
| Total domestic deposits to total assets | 85.6377% | 3,542 |
| Equity capital to assets | 12.2387% | 1,972 |
| Core capital (leverage) ratio | 11.5562% | 1,866 |
| Tier 1 risk-based capital ratio | 20.0335% | 1,698 |
| Total risk-based capital ratio | 21.3794% | 1,648 |
| Memoranda: | ||
| Average total assets | $291,990,330 | 2,212 |
| Average earning assets | $254,507,670 | 2,317 |
| Average equity | $34,095,670 | 2,029 |
| Average total loans | $173,866,330 | 2,309 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 6,448 |
| Cost of funding earning assets | 1.3141% | 597 |
| Net interest margin | 2.3799% | 7,023 |
| Noninterest income to average assets | 0.8408% | 1,978 |
| Noninterest expense to average assets | 4.1857% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.2989% | 7,051 |
| Return on assets (ROA) | -1.2989% | 7,066 |
| Pretax return on assets | -1.2989% | 7,041 |
| Return on Equity (ROE) | -11.3559% | 7,016 |
| Retained earnings to average equity (ytd only) | -11.3559% | 6,881 |
| Net charge-offs to loans | 1.1004% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.0705% | 4,616 |
| Efficiency ratio | 144.9955% | 117 |
| Assets per employee ($millions) | 4.1141% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3485% | 26 |
| Loan loss allowance to noncurrent loans | 93.5026% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 13.6966% | 141 |
| Noncurrent loans to loans | 8.9286% | 386 |
| Net loans and leases to total assets | 51.9723% | 5,032 |
| Net loans and leases to deposits | 60.3750% | 5,105 |
| Net loans and leases to core deposits | 71.2636% | 4,257 |
| Total domestic deposits to total assets | 86.0826% | 3,480 |
| Equity capital to assets | 11.5373% | 2,407 |
| Core capital (leverage) ratio | 11.8186% | 1,699 |
| Tier 1 risk-based capital ratio | 20.6878% | 1,548 |
| Total risk-based capital ratio | 22.0274% | 1,501 |
| Memoranda: | ||
| Average total assets | $307,334,500 | 2,115 |
| Average earning assets | $264,208,000 | 2,243 |
| Average equity | $35,153,500 | 1,968 |
| Average total loans | $175,206,500 | 2,308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 6,954 |
| Cost of funding earning assets | 1.8052% | 211 |
| Net interest margin | 1.7611% | 7,265 |
| Noninterest income to average assets | -2.1473% | 7,353 |
| Noninterest expense to average assets | 5.5337% | 259 |
| Loan and lease loss provision to assets | 2.1484% | 245 |
| Net operating income to assets | -8.3222% | 7,347 |
| Return on assets (ROA) | -8.3222% | 7,348 |
| Pretax return on assets | -8.3222% | 7,349 |
| Return on Equity (ROE) | -91.6587% | 7,301 |
| Retained earnings to average equity (ytd only) | -91.6587% | 7,301 |
| Net charge-offs to loans | 1.5297% | 1,045 |
| Credit loss provision to net charge-offs | 207.3652% | 1,191 |
| Earnings coverage of net charge-offs (x) | -5.9590% | 6,371 |
| Efficiency ratio | -864.5227% | 7,356 |
| Assets per employee ($millions) | 4.6226% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1618% | 28 |
| Loan loss allowance to noncurrent loans | 55.8999% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 21.1211% | 43 |
| Noncurrent loans to loans | 14.6008% | 136 |
| Net loans and leases to total assets | 52.6204% | 5,212 |
| Net loans and leases to deposits | 60.6991% | 5,406 |
| Net loans and leases to core deposits | 81.7725% | 3,212 |
| Total domestic deposits to total assets | 86.6905% | 2,922 |
| Equity capital to assets | 11.3434% | 2,648 |
| Core capital (leverage) ratio | 10.7468% | 2,480 |
| Tier 1 risk-based capital ratio | 18.6339% | 2,013 |
| Total risk-based capital ratio | 19.9563% | 1,949 |
| Memoranda: | ||
| Average total assets | $381,355,200 | 1,697 |
| Average earning assets | $326,383,200 | 1,813 |
| Average equity | $34,625,200 | 1,938 |
| Average total loans | $258,282,200 | 1,632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 7,036 |
| Cost of funding earning assets | 1.8401% | 222 |
| Net interest margin | 1.7489% | 7,342 |
| Noninterest income to average assets | -2.7737% | 7,433 |
| Noninterest expense to average assets | 5.6080% | 246 |
| Loan and lease loss provision to assets | 2.7439% | 141 |
| Net operating income to assets | -9.6239% | 7,427 |
| Return on assets (ROA) | -9.6239% | 7,428 |
| Pretax return on assets | -9.6239% | 7,428 |
| Return on Equity (ROE) | -111.4832% | 7,388 |
| Retained earnings to average equity (ytd only) | -111.4832% | 7,388 |
| Net charge-offs to loans | 1.8376% | 721 |
| Credit loss provision to net charge-offs | 213.9723% | 1,353 |
| Earnings coverage of net charge-offs (x) | -5.3651% | 6,102 |
| Efficiency ratio | -440.8899% | 7,430 |
| Assets per employee ($millions) | 4.7727% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8444% | 47 |
| Loan loss allowance to noncurrent loans | 46.1687% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 20.2717% | 49 |
| Noncurrent loans to loans | 14.8247% | 143 |
| Net loans and leases to total assets | 58.7060% | 4,372 |
| Net loans and leases to deposits | 67.5895% | 4,681 |
| Net loans and leases to core deposits | 88.7961% | 2,391 |
| Total domestic deposits to total assets | 86.8567% | 2,740 |
| Equity capital to assets | 11.2317% | 2,934 |
| Core capital (leverage) ratio | 10.7898% | 2,581 |
| Tier 1 risk-based capital ratio | 17.0572% | 2,628 |
| Total risk-based capital ratio | 18.3754% | 2,557 |
| Memoranda: | ||
| Average total assets | $398,109,000 | 1,639 |
| Average earning assets | $341,854,000 | 1,744 |
| Average equity | $34,367,250 | 1,953 |
| Average total loans | $277,826,000 | 1,542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 7,076 |
| Cost of funding earning assets | 1.8984% | 205 |
| Net interest margin | 1.7289% | 7,421 |
| Noninterest income to average assets | -4.2295% | 7,511 |
| Noninterest expense to average assets | 5.7651% | 225 |
| Loan and lease loss provision to assets | 3.9364% | 75 |
| Net operating income to assets | -12.4463% | 7,507 |
| Return on assets (ROA) | -12.4463% | 7,507 |
| Pretax return on assets | -12.4463% | 7,508 |
| Return on Equity (ROE) | -157.2016% | 7,474 |
| Retained earnings to average equity (ytd only) | -157.2016% | 7,474 |
| Net charge-offs to loans | 2.5167% | 466 |
| Credit loss provision to net charge-offs | 218.3054% | 1,367 |
| Earnings coverage of net charge-offs (x) | -4.7194% | 5,794 |
| Efficiency ratio | -210.0298% | 7,508 |
| Assets per employee ($millions) | 4.5267% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6369% | 67 |
| Loan loss allowance to noncurrent loans | 70.7844% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 17.0650% | 105 |
| Noncurrent loans to loans | 9.3762% | 431 |
| Net loans and leases to total assets | 58.6041% | 4,528 |
| Net loans and leases to deposits | 67.9167% | 4,721 |
| Net loans and leases to core deposits | 94.3084% | 1,859 |
| Total domestic deposits to total assets | 86.2881% | 3,163 |
| Equity capital to assets | 11.5987% | 2,413 |
| Core capital (leverage) ratio | 10.3063% | 2,928 |
| Tier 1 risk-based capital ratio | 17.3805% | 2,385 |
| Total risk-based capital ratio | 18.6867% | 2,332 |
| Memoranda: | ||
| Average total assets | $416,266,670 | 1,583 |
| Average earning assets | $357,450,000 | 1,671 |
| Average equity | $32,957,670 | 2,007 |
| Average total loans | $298,249,000 | 1,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 7,098 |
| Cost of funding earning assets | 1.8903% | 260 |
| Net interest margin | 1.7693% | 7,460 |
| Noninterest income to average assets | -4.3573% | 7,571 |
| Noninterest expense to average assets | 5.5521% | 249 |
| Loan and lease loss provision to assets | 2.0691% | 266 |
| Net operating income to assets | -10.4552% | 7,558 |
| Return on assets (ROA) | -10.4552% | 7,558 |
| Pretax return on assets | -10.4552% | 7,554 |
| Return on Equity (ROE) | -162.3417% | 7,529 |
| Retained earnings to average equity (ytd only) | -162.3417% | 7,524 |
| Net charge-offs to loans | 4.0926% | 219 |
| Credit loss provision to net charge-offs | 67.2208% | 3,402 |
| Earnings coverage of net charge-offs (x) | -2.7244% | 4,983 |
| Efficiency ratio | -195.9138% | 7,567 |
| Assets per employee ($millions) | 4.0721% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8310% | 1,084 |
| Loan loss allowance to noncurrent loans | 44.3294% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 14.3834% | 169 |
| Noncurrent loans to loans | 6.3862% | 955 |
| Net loans and leases to total assets | 75.6505% | 1,082 |
| Net loans and leases to deposits | 92.7226% | 952 |
| Net loans and leases to core deposits | 124.2325% | 335 |
| Total domestic deposits to total assets | 81.5880% | 5,464 |
| Equity capital to assets | 11.8891% | 1,984 |
| Core capital (leverage) ratio | 11.7856% | 1,686 |
| Tier 1 risk-based capital ratio | 18.5136% | 1,957 |
| Total risk-based capital ratio | 19.7695% | 1,906 |
| Memoranda: | ||
| Average total assets | $445,595,000 | 1,503 |
| Average earning assets | $383,645,000 | 1,576 |
| Average equity | $28,697,500 | 2,255 |
| Average total loans | $335,137,500 | 1,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 7,433 |
| Cost of funding earning assets | 2.4038% | 152 |
| Net interest margin | 0.9390% | 7,588 |
| Noninterest income to average assets | 3.0423% | 229 |
| Noninterest expense to average assets | 7.2485% | 145 |
| Loan and lease loss provision to assets | 2.4788% | 451 |
| Net operating income to assets | -4.6604% | 7,508 |
| Return on assets (ROA) | -4.6555% | 7,516 |
| Pretax return on assets | -5.8486% | 7,580 |
| Return on Equity (ROE) | -126.1102% | 7,621 |
| Retained earnings to average equity (ytd only) | -126.1102% | 7,621 |
| Net charge-offs to loans | 3.7052% | 367 |
| Credit loss provision to net charge-offs | 85.9700% | 5,288 |
| Earnings coverage of net charge-offs (x) | -1.1708% | 6,637 |
| Efficiency ratio | 187.1730% | 106 |
| Assets per employee ($millions) | 3.3647% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0708% | 822 |
| Loan loss allowance to noncurrent loans | 53.0163% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 14.5689% | 180 |
| Noncurrent loans to loans | 5.7922% | 1,097 |
| Net loans and leases to total assets | 70.5816% | 2,394 |
| Net loans and leases to deposits | 81.5360% | 2,900 |
| Net loans and leases to core deposits | 115.4548% | 662 |
| Total domestic deposits to total assets | 86.5649% | 3,050 |
| Equity capital to assets | 1.5063% | 7,624 |
| Core capital (leverage) ratio | 1.5038% | 7,620 |
| Tier 1 risk-based capital ratio | 2.4438% | 7,616 |
| Total risk-based capital ratio | 3.7110% | 7,616 |
| Memoranda: | ||
| Average total assets | $527,033,200 | 1,268 |
| Average earning assets | $466,007,200 | 1,320 |
| Average equity | $19,456,000 | 3,218 |
| Average total loans | $410,127,400 | 1,100 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 7,573 |
| Cost of funding earning assets | 2.4399% | 176 |
| Net interest margin | 0.8991% | 7,711 |
| Noninterest income to average assets | 3.2787% | 201 |
| Noninterest expense to average assets | 7.2528% | 132 |
| Loan and lease loss provision to assets | 2.7918% | 340 |
| Net operating income to assets | -4.4134% | 7,603 |
| Return on assets (ROA) | -4.4076% | 7,614 |
| Pretax return on assets | -5.9551% | 7,687 |
| Return on Equity (ROE) | -105.8720% | 7,698 |
| Retained earnings to average equity (ytd only) | -105.8720% | 7,698 |
| Net charge-offs to loans | 3.9679% | 311 |
| Credit loss provision to net charge-offs | 89.1771% | 4,803 |
| Earnings coverage of net charge-offs (x) | -1.0130% | 6,446 |
| Efficiency ratio | 177.6947% | 119 |
| Assets per employee ($millions) | 2.1556% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0114% | 813 |
| Loan loss allowance to noncurrent loans | 51.5517% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 14.5484% | 171 |
| Noncurrent loans to loans | 5.8416% | 1,099 |
| Net loans and leases to total assets | 74.7902% | 1,621 |
| Net loans and leases to deposits | 82.7026% | 2,967 |
| Net loans and leases to core deposits | 113.6867% | 853 |
| Total domestic deposits to total assets | 90.4327% | 666 |
| Equity capital to assets | 2.8256% | 7,700 |
| Core capital (leverage) ratio | 2.8597% | 7,688 |
| Tier 1 risk-based capital ratio | 4.2963% | 7,679 |
| Total risk-based capital ratio | 5.5629% | 7,681 |
| Memoranda: | ||
| Average total assets | $541,868,000 | 1,254 |
| Average earning assets | $483,886,250 | 1,288 |
| Average equity | $22,558,750 | 2,861 |
| Average total loans | $427,518,250 | 1,055 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2897% | 7,661 |
| Cost of funding earning assets | 2.4871% | 182 |
| Net interest margin | 0.8026% | 7,789 |
| Noninterest income to average assets | 2.4440% | 280 |
| Noninterest expense to average assets | 6.6888% | 170 |
| Loan and lease loss provision to assets | 4.0108% | 192 |
| Net operating income to assets | -5.2842% | 7,706 |
| Return on assets (ROA) | -5.2762% | 7,710 |
| Pretax return on assets | -7.5162% | 7,774 |
| Return on Equity (ROE) | -116.0502% | 7,753 |
| Retained earnings to average equity (ytd only) | -116.0502% | 7,753 |
| Net charge-offs to loans | 4.3484% | 277 |
| Credit loss provision to net charge-offs | 116.1527% | 3,496 |
| Earnings coverage of net charge-offs (x) | -1.0185% | 6,122 |
| Efficiency ratio | 210.8691% | 86 |
| Assets per employee ($millions) | 2.3261% | 7,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5004% | 541 |
| Loan loss allowance to noncurrent loans | 26.8895% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 15.6611% | 119 |
| Noncurrent loans to loans | 13.0176% | 230 |
| Net loans and leases to total assets | 72.3164% | 2,319 |
| Net loans and leases to deposits | 77.5891% | 4,066 |
| Net loans and leases to core deposits | 127.4145% | 476 |
| Total domestic deposits to total assets | 93.2044% | 104 |
| Equity capital to assets | 3.1031% | 7,749 |
| Core capital (leverage) ratio | 3.0653% | 7,739 |
| Tier 1 risk-based capital ratio | 5.0210% | 7,698 |
| Total risk-based capital ratio | 6.2972% | 7,698 |
| Memoranda: | ||
| Average total assets | $561,536,000 | 1,210 |
| Average earning assets | $509,350,000 | 1,218 |
| Average equity | $25,530,330 | 2,537 |
| Average total loans | $445,908,330 | 1,020 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1880% | 7,778 |
| Cost of funding earning assets | 2.4957% | 226 |
| Net interest margin | 0.6923% | 7,893 |
| Noninterest income to average assets | 1.7237% | 432 |
| Noninterest expense to average assets | 5.7665% | 241 |
| Loan and lease loss provision to assets | 0.1866% | 4,641 |
| Net operating income to assets | -2.2670% | 7,515 |
| Return on assets (ROA) | -2.2527% | 7,520 |
| Pretax return on assets | -3.5753% | 7,647 |
| Return on Equity (ROE) | -43.0980% | 7,667 |
| Retained earnings to average equity (ytd only) | -43.0980% | 7,653 |
| Net charge-offs to loans | 1.3560% | 1,268 |
| Credit loss provision to net charge-offs | 16.8774% | 4,978 |
| Earnings coverage of net charge-offs (x) | -3.0860% | 5,501 |
| Efficiency ratio | 244.8235% | 65 |
| Assets per employee ($millions) | 2.3413% | 7,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5226% | 1,261 |
| Loan loss allowance to noncurrent loans | 14.1484% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 18.3745% | 79 |
| Noncurrent loans to loans | 17.8297% | 114 |
| Net loans and leases to total assets | 78.5185% | 1,057 |
| Net loans and leases to deposits | 85.9499% | 2,594 |
| Net loans and leases to core deposits | 153.1973% | 223 |
| Total domestic deposits to total assets | 91.3538% | 420 |
| Equity capital to assets | 5.1011% | 7,715 |
| Core capital (leverage) ratio | 5.0693% | 7,696 |
| Tier 1 risk-based capital ratio | 7.9080% | 7,624 |
| Total risk-based capital ratio | 9.1816% | 7,629 |
| Memoranda: | ||
| Average total assets | $572,476,500 | 1,217 |
| Average earning assets | $522,340,000 | 1,214 |
| Average equity | $29,922,500 | 2,220 |
| Average total loans | $466,655,000 | 1,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 7,840 |
| Cost of funding earning assets | 3.1783% | 136 |
| Net interest margin | 0.2814% | 7,982 |
| Noninterest income to average assets | 3.2144% | 215 |
| Noninterest expense to average assets | 6.0453% | 299 |
| Loan and lease loss provision to assets | 5.0749% | 182 |
| Net operating income to assets | -4.8232% | 7,716 |
| Return on assets (ROA) | -4.8266% | 7,717 |
| Pretax return on assets | -7.6604% | 7,903 |
| Return on Equity (ROE) | -70.8509% | 7,816 |
| Retained earnings to average equity (ytd only) | -70.8509% | 7,813 |
| Net charge-offs to loans | 6.5947% | 140 |
| Credit loss provision to net charge-offs | 92.6884% | 5,905 |
| Earnings coverage of net charge-offs (x) | -0.4712% | 6,670 |
| Efficiency ratio | 174.4594% | 204 |
| Assets per employee ($millions) | 2.6822% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5886% | 1,127 |
| Loan loss allowance to noncurrent loans | 12.0150% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 20.0893% | 57 |
| Noncurrent loans to loans | 21.5452% | 60 |
| Net loans and leases to total assets | 80.2886% | 943 |
| Net loans and leases to deposits | 87.9461% | 2,563 |
| Net loans and leases to core deposits | 117.0097% | 2,224 |
| Total domestic deposits to total assets | 91.2930% | 437 |
| Equity capital to assets | 5.3451% | 7,754 |
| Core capital (leverage) ratio | 4.8724% | 7,778 |
| Tier 1 risk-based capital ratio | 7.6433% | 7,686 |
| Total risk-based capital ratio | 8.9158% | 7,694 |
| Memoranda: | ||
| Average total assets | $688,683,800 | 996 |
| Average earning assets | $613,636,400 | 1,018 |
| Average equity | $46,915,400 | 1,435 |
| Average total loans | $571,781,400 | 833 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 7,931 |
| Cost of funding earning assets | 3.2389% | 168 |
| Net interest margin | 0.2705% | 8,071 |
| Noninterest income to average assets | 3.3618% | 194 |
| Noninterest expense to average assets | 6.0327% | 306 |
| Loan and lease loss provision to assets | 5.9595% | 111 |
| Net operating income to assets | -5.2861% | 7,869 |
| Return on assets (ROA) | -5.2905% | 7,864 |
| Pretax return on assets | -8.3968% | 8,006 |
| Return on Equity (ROE) | -74.3491% | 7,944 |
| Retained earnings to average equity (ytd only) | -74.3491% | 7,943 |
| Net charge-offs to loans | 6.9255% | 111 |
| Credit loss provision to net charge-offs | 103.4892% | 4,917 |
| Earnings coverage of net charge-offs (x) | -0.4221% | 6,442 |
| Efficiency ratio | 167.4674% | 247 |
| Assets per employee ($millions) | 2.9314% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2201% | 551 |
| Loan loss allowance to noncurrent loans | 13.5162% | 7,373 |
| Noncurrent assets plus other real estate owned to assets | 21.0131% | 41 |
| Noncurrent loans to loans | 23.8242% | 32 |
| Net loans and leases to total assets | 72.8877% | 2,822 |
| Net loans and leases to deposits | 79.6979% | 4,442 |
| Net loans and leases to core deposits | 114.3270% | 2,798 |
| Total domestic deposits to total assets | 91.4549% | 271 |
| Equity capital to assets | 5.3874% | 7,927 |
| Core capital (leverage) ratio | 5.3652% | 7,891 |
| Tier 1 risk-based capital ratio | 8.0912% | 7,780 |
| Total risk-based capital ratio | 9.3708% | 7,792 |
| Memoranda: | ||
| Average total assets | $713,335,750 | 966 |
| Average earning assets | $634,444,000 | 999 |
| Average equity | $50,759,250 | 1,337 |
| Average total loans | $593,138,250 | 818 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 8,017 |
| Cost of funding earning assets | 3.3430% | 170 |
| Net interest margin | 0.2121% | 8,165 |
| Noninterest income to average assets | 3.7775% | 172 |
| Noninterest expense to average assets | 6.4263% | 275 |
| Loan and lease loss provision to assets | 8.7734% | 54 |
| Net operating income to assets | -7.0781% | 8,060 |
| Return on assets (ROA) | -7.0847% | 8,048 |
| Pretax return on assets | -11.2443% | 8,129 |
| Return on Equity (ROE) | -92.5671% | 8,065 |
| Retained earnings to average equity (ytd only) | -92.5671% | 8,063 |
| Net charge-offs to loans | 6.8193% | 140 |
| Credit loss provision to net charge-offs | 150.3189% | 3,062 |
| Earnings coverage of net charge-offs (x) | -0.4216% | 6,029 |
| Efficiency ratio | 162.0524% | 319 |
| Assets per employee ($millions) | 2.7748% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4560% | 177 |
| Loan loss allowance to noncurrent loans | 21.3764% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 18.8274% | 51 |
| Noncurrent loans to loans | 20.8455% | 48 |
| Net loans and leases to total assets | 75.8127% | 2,222 |
| Net loans and leases to deposits | 82.8096% | 4,083 |
| Net loans and leases to core deposits | 117.4416% | 2,592 |
| Total domestic deposits to total assets | 91.5507% | 312 |
| Equity capital to assets | 5.3115% | 8,018 |
| Core capital (leverage) ratio | 5.3655% | 7,994 |
| Tier 1 risk-based capital ratio | 7.4795% | 7,964 |
| Total risk-based capital ratio | 8.7757% | 7,972 |
| Memoranda: | ||
| Average total assets | $725,397,670 | 963 |
| Average earning assets | $643,083,330 | 996 |
| Average equity | $55,518,670 | 1,214 |
| Average total loans | $620,857,330 | 792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 7,946 |
| Cost of funding earning assets | 3.6492% | 99 |
| Net interest margin | 0.4480% | 8,202 |
| Noninterest income to average assets | 4.7865% | 132 |
| Noninterest expense to average assets | 5.3517% | 391 |
| Loan and lease loss provision to assets | 1.5529% | 809 |
| Net operating income to assets | -1.0876% | 7,302 |
| Return on assets (ROA) | -1.1004% | 7,321 |
| Pretax return on assets | -1.7467% | 7,455 |
| Return on Equity (ROE) | -12.4361% | 7,493 |
| Retained earnings to average equity (ytd only) | -12.4361% | 7,288 |
| Net charge-offs to loans | 1.4466% | 992 |
| Credit loss provision to net charge-offs | 120.9252% | 3,258 |
| Earnings coverage of net charge-offs (x) | -0.1353% | 5,103 |
| Efficiency ratio | 103.3562% | 1,006 |
| Assets per employee ($millions) | 2.8096% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4477% | 807 |
| Loan loss allowance to noncurrent loans | 14.2654% | 7,426 |
| Noncurrent assets plus other real estate owned to assets | 15.5220% | 72 |
| Noncurrent loans to loans | 17.1582% | 63 |
| Net loans and leases to total assets | 81.3646% | 1,127 |
| Net loans and leases to deposits | 91.4702% | 2,697 |
| Net loans and leases to core deposits | 126.1552% | 1,908 |
| Total domestic deposits to total assets | 88.9520% | 1,251 |
| Equity capital to assets | 8.0959% | 6,678 |
| Core capital (leverage) ratio | 7.7164% | 6,865 |
| Tier 1 risk-based capital ratio | 10.5836% | 6,306 |
| Total risk-based capital ratio | 11.8513% | 6,209 |
| Memoranda: | ||
| Average total assets | $720,440,000 | 974 |
| Average earning assets | $629,514,500 | 1,022 |
| Average equity | $63,750,000 | 1,068 |
| Average total loans | $639,556,000 | 775 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 6,956 |
| Cost of funding earning assets | 3.1052% | 1,491 |
| Net interest margin | 2.5350% | 7,715 |
| Noninterest income to average assets | 3.3922% | 169 |
| Noninterest expense to average assets | 4.7792% | 722 |
| Loan and lease loss provision to assets | 4.4029% | 137 |
| Net operating income to assets | -2.0163% | 7,606 |
| Return on assets (ROA) | -2.9794% | 7,788 |
| Pretax return on assets | -4.9469% | 8,018 |
| Return on Equity (ROE) | -23.7179% | 7,840 |
| Retained earnings to average equity (ytd only) | -33.3044% | 7,965 |
| Net charge-offs to loans | 3.3600% | 238 |
| Credit loss provision to net charge-offs | 143.2636% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.3126% | 6,045 |
| Efficiency ratio | 83.2621% | 2,146 |
| Assets per employee ($millions) | 2.5495% | 7,115 |
| Cash dividends to net income (ytd only)* | -40.4193% | 8,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4270% | 742 |
| Loan loss allowance to noncurrent loans | 18.6352% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 13.1917% | 81 |
| Noncurrent loans to loans | 13.0239% | 99 |
| Net loans and leases to total assets | 92.7209% | 62 |
| Net loans and leases to deposits | 110.6750% | 793 |
| Net loans and leases to core deposits | 157.4341% | 633 |
| Total domestic deposits to total assets | 83.7776% | 3,443 |
| Equity capital to assets | 9.7261% | 4,394 |
| Core capital (leverage) ratio | 9.7945% | 3,652 |
| Tier 1 risk-based capital ratio | 11.0903% | 5,650 |
| Total risk-based capital ratio | 12.3575% | 5,518 |
| Memoranda: | ||
| Average total assets | $648,461,600 | 1,036 |
| Average earning assets | $600,545,800 | 1,018 |
| Average equity | $81,457,600 | 819 |
| Average total loans | $593,117,600 | 806 |