Home > Sevier County Bank > Performance and Condition Ratios
Sevier County Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5368% | 2,804 |
| Cost of funding earning assets | 0.4959% | 1,225 |
| Net interest margin | 3.0409% | 3,210 |
| Noninterest income to average assets | 0.3609% | 3,294 |
| Noninterest expense to average assets | 2.7561% | 1,450 |
| Loan and lease loss provision to assets | 0.2810% | 323 |
| Net operating income to assets | 0.8265% | 3,436 |
| Return on assets (ROA) | 1.1874% | 2,304 |
| Pretax return on assets | 0.4719% | 4,426 |
| Return on Equity (ROE) | 13.8194% | 1,472 |
| Retained earnings to average equity (ytd only) | 13.8194% | 576 |
| Net charge-offs to loans | 0.0029% | 2,087 |
| Credit loss provision to net charge-offs | 15,825.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 220.7500% | 471 |
| Efficiency ratio | 87.5494% | 416 |
| Assets per employee ($millions) | 7.2005% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 2,952 |
| Loan loss allowance to noncurrent loans | 160.3077% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,750 |
| Noncurrent loans to loans | 0.7461% | 1,601 |
| Net loans and leases to total assets | 63.3932% | 2,027 |
| Net loans and leases to deposits | 69.8330% | 2,429 |
| Net loans and leases to core deposits | 74.0433% | 2,405 |
| Total domestic deposits to total assets | 90.7782% | 445 |
| Equity capital to assets | 8.6086% | 4,122 |
| Core capital (leverage) ratio | 7.9288% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3238% | 2,602 |
| Memoranda: | ||
| Average total assets | $450,557,000 | 1,845 |
| Average earning assets | $412,973,667 | 1,870 |
| Average equity | $38,713,667 | 2,144 |
| Average total loans | $275,790,333 | 1,853 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 2,815 |
| Cost of funding earning assets | 0.5241% | 1,245 |
| Net interest margin | 3.0119% | 3,226 |
| Noninterest income to average assets | 0.2656% | 3,805 |
| Noninterest expense to average assets | 2.5229% | 2,110 |
| Loan and lease loss provision to assets | 0.3323% | 259 |
| Net operating income to assets | 1.0734% | 2,557 |
| Return on assets (ROA) | 1.4276% | 1,572 |
| Pretax return on assets | 0.5449% | 4,284 |
| Return on Equity (ROE) | 16.6317% | 905 |
| Retained earnings to average equity (ytd only) | 16.6317% | 455 |
| Net charge-offs to loans | 0.0107% | 1,545 |
| Credit loss provision to net charge-offs | 5,200.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 81.8571% | 694 |
| Efficiency ratio | 82.8289% | 654 |
| Assets per employee ($millions) | 6.0321% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,810 |
| Loan loss allowance to noncurrent loans | 147.1871% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 1,681 |
| Noncurrent loans to loans | 0.8296% | 1,610 |
| Net loans and leases to total assets | 60.3460% | 2,497 |
| Net loans and leases to deposits | 66.6215% | 2,848 |
| Net loans and leases to core deposits | 70.8980% | 2,791 |
| Total domestic deposits to total assets | 90.5804% | 555 |
| Equity capital to assets | 8.7707% | 3,894 |
| Core capital (leverage) ratio | 8.3852% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0292% | 2,283 |
| Memoranda: | ||
| Average total assets | $438,218,500 | 1,874 |
| Average earning assets | $404,526,000 | 1,890 |
| Average equity | $37,615,000 | 2,177 |
| Average total loans | $261,229,000 | 1,915 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7857% | 3,342 |
| Cost of funding earning assets | 0.7119% | 1,665 |
| Net interest margin | 3.0738% | 3,693 |
| Noninterest income to average assets | 0.2031% | 4,254 |
| Noninterest expense to average assets | 2.8652% | 1,775 |
| Loan and lease loss provision to assets | 0.1778% | 2,170 |
| Net operating income to assets | 0.7160% | 3,379 |
| Return on assets (ROA) | 0.7255% | 3,478 |
| Pretax return on assets | 0.0251% | 4,746 |
| Return on Equity (ROE) | 8.3288% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.3288% | 963 |
| Net charge-offs to loans | -0.0021% | 3,989 |
| Credit loss provision to net charge-offs | -13,200.0000% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6762% | 279 |
| Assets per employee ($millions) | 5.9723% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,810 |
| Loan loss allowance to noncurrent loans | 131.3888% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 1,755 |
| Noncurrent loans to loans | 0.9335% | 1,509 |
| Net loans and leases to total assets | 57.3203% | 3,163 |
| Net loans and leases to deposits | 63.1478% | 3,507 |
| Net loans and leases to core deposits | 67.4178% | 3,447 |
| Total domestic deposits to total assets | 90.7717% | 285 |
| Equity capital to assets | 8.3841% | 4,527 |
| Core capital (leverage) ratio | 8.1123% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5077% | 2,050 |
| Memoranda: | ||
| Average total assets | $371,209,200 | 1,954 |
| Average earning assets | $344,848,200 | 1,956 |
| Average equity | $32,333,400 | 2,373 |
| Average total loans | $237,589,600 | 1,984 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,418 |
| Cost of funding earning assets | 0.7469% | 1,764 |
| Net interest margin | 3.1005% | 3,736 |
| Noninterest income to average assets | 0.2007% | 4,274 |
| Noninterest expense to average assets | 2.8859% | 1,736 |
| Loan and lease loss provision to assets | 0.1528% | 2,484 |
| Net operating income to assets | 0.4655% | 4,126 |
| Return on assets (ROA) | 0.4748% | 4,175 |
| Pretax return on assets | 0.0577% | 4,758 |
| Return on Equity (ROE) | 5.3917% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.3917% | 2,382 |
| Net charge-offs to loans | -0.0017% | 3,869 |
| Credit loss provision to net charge-offs | -13,666.6667% | 4,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4853% | 273 |
| Assets per employee ($millions) | 5.8086% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,144 |
| Loan loss allowance to noncurrent loans | 12,572.7273% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,085 |
| Noncurrent loans to loans | 0.0088% | 4,413 |
| Net loans and leases to total assets | 62.2861% | 2,971 |
| Net loans and leases to deposits | 68.5933% | 3,424 |
| Net loans and leases to core deposits | 73.5382% | 3,355 |
| Total domestic deposits to total assets | 90.8049% | 211 |
| Equity capital to assets | 8.2649% | 4,594 |
| Core capital (leverage) ratio | 8.1208% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2051% | 2,104 |
| Memoranda: | ||
| Average total assets | $358,003,750 | 1,989 |
| Average earning assets | $333,275,500 | 1,989 |
| Average equity | $31,529,000 | 2,402 |
| Average total loans | $235,468,500 | 1,995 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,482 |
| Cost of funding earning assets | 0.7713% | 1,988 |
| Net interest margin | 3.1734% | 3,736 |
| Noninterest income to average assets | 0.1649% | 4,468 |
| Noninterest expense to average assets | 3.0861% | 1,383 |
| Loan and lease loss provision to assets | 0.2372% | 1,782 |
| Net operating income to assets | 0.1342% | 4,647 |
| Return on assets (ROA) | 0.1342% | 4,681 |
| Pretax return on assets | -0.2019% | 4,852 |
| Return on Equity (ROE) | 1.4892% | 4,620 |
| Retained earnings to average equity (ytd only) | 1.4892% | 3,941 |
| Net charge-offs to loans | 0.0061% | 2,749 |
| Credit loss provision to net charge-offs | 5,857.1429% | 200 |
| Earnings coverage of net charge-offs (x) | 8.7143% | 2,269 |
| Efficiency ratio | 98.8693% | 195 |
| Assets per employee ($millions) | 5.2270% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,805 |
| Loan loss allowance to noncurrent loans | 11,483.3333% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 3,820 |
| Noncurrent loans to loans | 0.0100% | 4,476 |
| Net loans and leases to total assets | 64.1110% | 2,866 |
| Net loans and leases to deposits | 70.8779% | 3,355 |
| Net loans and leases to core deposits | 75.9443% | 3,286 |
| Total domestic deposits to total assets | 90.4528% | 286 |
| Equity capital to assets | 8.5014% | 4,477 |
| Core capital (leverage) ratio | 8.7593% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8726% | 1,868 |
| Memoranda: | ||
| Average total assets | $345,677,000 | 2,023 |
| Average earning assets | $322,049,000 | 2,010 |
| Average equity | $31,157,000 | 2,398 |
| Average total loans | $231,029,333 | 2,007 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 3,217 |
| Cost of funding earning assets | 0.7853% | 2,476 |
| Net interest margin | 3.4116% | 3,261 |
| Noninterest income to average assets | 0.3015% | 3,705 |
| Noninterest expense to average assets | 2.8184% | 2,379 |
| Loan and lease loss provision to assets | 0.4325% | 697 |
| Net operating income to assets | 0.2186% | 4,501 |
| Return on assets (ROA) | 0.2186% | 4,512 |
| Pretax return on assets | 0.2186% | 4,548 |
| Return on Equity (ROE) | 2.3514% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.3514% | 3,318 |
| Net charge-offs to loans | 0.0124% | 2,141 |
| Credit loss provision to net charge-offs | 5,142.8571% | 150 |
| Earnings coverage of net charge-offs (x) | 77.4286% | 684 |
| Efficiency ratio | 81.2327% | 1,023 |
| Assets per employee ($millions) | 4.7616% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,691 |
| Loan loss allowance to noncurrent loans | 10,824.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 3,249 |
| Noncurrent loans to loans | 0.0111% | 4,532 |
| Net loans and leases to total assets | 67.0456% | 2,696 |
| Net loans and leases to deposits | 74.7267% | 3,194 |
| Net loans and leases to core deposits | 80.6263% | 3,144 |
| Total domestic deposits to total assets | 89.7210% | 408 |
| Equity capital to assets | 9.3402% | 4,361 |
| Core capital (leverage) ratio | 9.3031% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3321% | 1,804 |
| Memoranda: | ||
| Average total assets | $332,958,500 | 2,027 |
| Average earning assets | $309,177,500 | 2,029 |
| Average equity | $30,960,500 | 2,406 |
| Average total loans | $226,203,500 | 2,013 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 3,194 |
| Cost of funding earning assets | 0.7817% | 2,769 |
| Net interest margin | 3.6369% | 3,008 |
| Noninterest income to average assets | -1.0708% | 5,170 |
| Noninterest expense to average assets | 2.9142% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.6554% | 5,066 |
| Return on assets (ROA) | -0.6554% | 5,074 |
| Pretax return on assets | -0.6554% | 5,071 |
| Return on Equity (ROE) | -9.2090% | 5,115 |
| Retained earnings to average equity (ytd only) | -9.2090% | 5,053 |
| Net charge-offs to loans | 0.0246% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -37.4182% | 3,711 |
| Efficiency ratio | 129.0186% | 62 |
| Assets per employee ($millions) | 4.4947% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 3,273 |
| Loan loss allowance to noncurrent loans | 8,714.8148% | 90 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 1,212 |
| Noncurrent loans to loans | 0.0119% | 4,539 |
| Net loans and leases to total assets | 67.3102% | 2,788 |
| Net loans and leases to deposits | 75.0180% | 3,257 |
| Net loans and leases to core deposits | 81.2279% | 3,197 |
| Total domestic deposits to total assets | 89.7253% | 414 |
| Equity capital to assets | 9.2569% | 4,525 |
| Core capital (leverage) ratio | 9.3051% | 4,273 |
| Tier 1 risk-based capital ratio | 13.8896% | 3,318 |
| Total risk-based capital ratio | 14.9489% | 3,315 |
| Memoranda: | ||
| Average total assets | $313,985,000 | 2,078 |
| Average earning assets | $287,445,800 | 2,103 |
| Average equity | $22,347,600 | 2,934 |
| Average total loans | $223,959,800 | 2,004 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 3,217 |
| Cost of funding earning assets | 0.7722% | 2,860 |
| Net interest margin | 3.6748% | 3,011 |
| Noninterest income to average assets | -1.4207% | 5,251 |
| Noninterest expense to average assets | 2.8439% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.9108% | 5,170 |
| Return on assets (ROA) | -0.9108% | 5,174 |
| Pretax return on assets | -0.9108% | 5,169 |
| Return on Equity (ROE) | -13.9212% | 5,216 |
| Retained earnings to average equity (ytd only) | -13.9212% | 5,174 |
| Net charge-offs to loans | -0.0424% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.1126% | 42 |
| Assets per employee ($millions) | 4.5273% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 2,952 |
| Loan loss allowance to noncurrent loans | 425.9450% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 1,017 |
| Noncurrent loans to loans | 0.2618% | 3,604 |
| Net loans and leases to total assets | 67.4374% | 2,874 |
| Net loans and leases to deposits | 74.9356% | 3,392 |
| Net loans and leases to core deposits | 80.5580% | 3,348 |
| Total domestic deposits to total assets | 89.9938% | 285 |
| Equity capital to assets | 9.4150% | 4,518 |
| Core capital (leverage) ratio | 9.6714% | 4,000 |
| Tier 1 risk-based capital ratio | 14.1390% | 3,262 |
| Total risk-based capital ratio | 15.2771% | 3,220 |
| Memoranda: | ||
| Average total assets | $309,330,000 | 2,122 |
| Average earning assets | $282,314,750 | 2,149 |
| Average equity | $20,237,250 | 3,130 |
| Average total loans | $223,392,250 | 2,014 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 3,080 |
| Cost of funding earning assets | 0.7689% | 2,812 |
| Net interest margin | 3.7094% | 2,908 |
| Noninterest income to average assets | -2.1331% | 5,299 |
| Noninterest expense to average assets | 2.8665% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.6360% | 5,254 |
| Return on assets (ROA) | -1.6360% | 5,254 |
| Pretax return on assets | -1.6360% | 5,251 |
| Return on Equity (ROE) | -29.6663% | 5,287 |
| Retained earnings to average equity (ytd only) | -29.6663% | 5,272 |
| Net charge-offs to loans | -0.0536% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 232.9588% | 13 |
| Assets per employee ($millions) | 4.3052% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,098 |
| Loan loss allowance to noncurrent loans | 582.0755% | 890 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 904 |
| Noncurrent loans to loans | 0.1883% | 3,878 |
| Net loans and leases to total assets | 72.8491% | 2,091 |
| Net loans and leases to deposits | 77.4494% | 3,199 |
| Net loans and leases to core deposits | 83.1865% | 3,180 |
| Total domestic deposits to total assets | 94.0602% | 7 |
| Equity capital to assets | 5.3924% | 5,293 |
| Core capital (leverage) ratio | 5.4766% | 5,290 |
| Tier 1 risk-based capital ratio | 7.4990% | 5,292 |
| Total risk-based capital ratio | 8.6129% | 5,292 |
| Memoranda: | ||
| Average total assets | $303,783,670 | 2,166 |
| Average earning assets | $275,465,000 | 2,186 |
| Average equity | $16,753,000 | 3,489 |
| Average total loans | $223,755,000 | 2,025 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 3,196 |
| Cost of funding earning assets | 0.7182% | 2,953 |
| Net interest margin | 3.6897% | 2,931 |
| Noninterest income to average assets | 0.0449% | 5,226 |
| Noninterest expense to average assets | 2.7922% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5706% | 4,334 |
| Return on assets (ROA) | 0.5706% | 4,364 |
| Pretax return on assets | 0.5706% | 4,566 |
| Return on Equity (ROE) | 10.2321% | 2,267 |
| Retained earnings to average equity (ytd only) | 10.2321% | 982 |
| Net charge-offs to loans | 0.0036% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 359 |
| Efficiency ratio | 83.0322% | 788 |
| Assets per employee ($millions) | 4.3665% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,201 |
| Loan loss allowance to noncurrent loans | 1,279.7872% | 486 |
| Noncurrent assets plus other real estate owned to assets | 3.5710% | 150 |
| Noncurrent loans to loans | 0.0849% | 4,375 |
| Net loans and leases to total assets | 72.7342% | 2,038 |
| Net loans and leases to deposits | 77.5915% | 3,107 |
| Net loans and leases to core deposits | 83.7339% | 3,046 |
| Total domestic deposits to total assets | 93.7399% | 11 |
| Equity capital to assets | 5.7500% | 5,346 |
| Core capital (leverage) ratio | 5.8068% | 5,344 |
| Tier 1 risk-based capital ratio | 7.9029% | 5,346 |
| Total risk-based capital ratio | 8.9874% | 5,347 |
| Memoranda: | ||
| Average total assets | $302,841,000 | 2,186 |
| Average earning assets | $272,329,000 | 2,223 |
| Average equity | $16,888,000 | 3,487 |
| Average total loans | $223,060,000 | 2,044 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 3,523 |
| Cost of funding earning assets | 0.5840% | 2,828 |
| Net interest margin | 3.5875% | 3,424 |
| Noninterest income to average assets | -0.4897% | 5,397 |
| Noninterest expense to average assets | 2.9484% | 2,196 |
| Loan and lease loss provision to assets | -0.0945% | 5,263 |
| Net operating income to assets | -0.1960% | 5,272 |
| Return on assets (ROA) | -0.1960% | 5,269 |
| Pretax return on assets | -0.1960% | 5,262 |
| Return on Equity (ROE) | -3.6344% | 5,302 |
| Retained earnings to average equity (ytd only) | -3.6344% | 5,206 |
| Net charge-offs to loans | -0.0141% | 4,594 |
| Credit loss provision to net charge-offs | 967.7419% | 381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9306% | 80 |
| Assets per employee ($millions) | 4.4764% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,256 |
| Loan loss allowance to noncurrent loans | 1,241.2371% | 525 |
| Noncurrent assets plus other real estate owned to assets | 3.6430% | 139 |
| Noncurrent loans to loans | 0.0864% | 4,362 |
| Net loans and leases to total assets | 72.9866% | 2,102 |
| Net loans and leases to deposits | 77.7198% | 3,200 |
| Net loans and leases to core deposits | 83.7632% | 3,113 |
| Total domestic deposits to total assets | 93.9098% | 13 |
| Equity capital to assets | 5.4049% | 5,388 |
| Core capital (leverage) ratio | 5.3885% | 5,390 |
| Tier 1 risk-based capital ratio | 7.3513% | 5,393 |
| Total risk-based capital ratio | 8.4033% | 5,395 |
| Memoranda: | ||
| Average total assets | $317,358,800 | 2,055 |
| Average earning assets | $278,441,600 | 2,147 |
| Average equity | $17,114,200 | 3,383 |
| Average total loans | $220,235,200 | 2,025 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,661 |
| Cost of funding earning assets | 0.5641% | 2,747 |
| Net interest margin | 3.5284% | 3,603 |
| Noninterest income to average assets | -0.1227% | 5,452 |
| Noninterest expense to average assets | 2.9619% | 2,136 |
| Loan and lease loss provision to assets | -0.1248% | 5,369 |
| Net operating income to assets | 0.1106% | 5,249 |
| Return on assets (ROA) | 0.1106% | 5,242 |
| Pretax return on assets | 0.1173% | 5,242 |
| Return on Equity (ROE) | 2.0525% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.0525% | 4,567 |
| Net charge-offs to loans | 0.0091% | 3,096 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,746 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 3,440 |
| Efficiency ratio | 100.2534% | 151 |
| Assets per employee ($millions) | 4.4572% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,307 |
| Loan loss allowance to noncurrent loans | 241.2666% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 6.1262% | 53 |
| Noncurrent loans to loans | 0.4469% | 3,051 |
| Net loans and leases to total assets | 68.4756% | 2,870 |
| Net loans and leases to deposits | 73.0444% | 3,672 |
| Net loans and leases to core deposits | 78.6737% | 3,604 |
| Total domestic deposits to total assets | 93.7452% | 17 |
| Equity capital to assets | 5.4566% | 5,457 |
| Core capital (leverage) ratio | 5.5833% | 5,461 |
| Tier 1 risk-based capital ratio | 7.6544% | 5,464 |
| Total risk-based capital ratio | 8.6750% | 5,465 |
| Memoranda: | ||
| Average total assets | $320,600,250 | 2,053 |
| Average earning assets | $279,590,250 | 2,147 |
| Average equity | $17,279,750 | 3,394 |
| Average total loans | $219,150,500 | 2,040 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,546 |
| Cost of funding earning assets | 0.5400% | 2,687 |
| Net interest margin | 3.5319% | 3,524 |
| Noninterest income to average assets | -0.1317% | 5,518 |
| Noninterest expense to average assets | 2.8319% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1081% | 5,289 |
| Return on assets (ROA) | 0.1081% | 5,281 |
| Pretax return on assets | 0.1081% | 5,289 |
| Return on Equity (ROE) | 2.0135% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.0135% | 4,448 |
| Net charge-offs to loans | 0.0128% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 2,205 |
| Efficiency ratio | 96.3237% | 218 |
| Assets per employee ($millions) | 4.4736% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,631 |
| Loan loss allowance to noncurrent loans | 267.9074% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 7.0454% | 42 |
| Noncurrent loans to loans | 0.4537% | 3,076 |
| Net loans and leases to total assets | 68.1383% | 2,844 |
| Net loans and leases to deposits | 72.5312% | 3,672 |
| Net loans and leases to core deposits | 78.1512% | 3,566 |
| Total domestic deposits to total assets | 93.9435% | 16 |
| Equity capital to assets | 5.4180% | 5,520 |
| Core capital (leverage) ratio | 5.5078% | 5,521 |
| Tier 1 risk-based capital ratio | 7.3716% | 5,528 |
| Total risk-based capital ratio | 8.4855% | 5,530 |
| Memoranda: | ||
| Average total assets | $321,980,330 | 2,054 |
| Average earning assets | $280,017,670 | 2,159 |
| Average equity | $17,283,670 | 3,410 |
| Average total loans | $219,180,670 | 2,041 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 3,645 |
| Cost of funding earning assets | 0.5161% | 2,667 |
| Net interest margin | 3.4726% | 3,638 |
| Noninterest income to average assets | 0.1098% | 5,291 |
| Noninterest expense to average assets | 2.7604% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3714% | 4,983 |
| Return on assets (ROA) | 0.3714% | 4,989 |
| Pretax return on assets | 0.3714% | 5,070 |
| Return on Equity (ROE) | 6.9511% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.9511% | 2,300 |
| Net charge-offs to loans | 0.0274% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.0667% | 1,484 |
| Efficiency ratio | 88.1403% | 529 |
| Assets per employee ($millions) | 4.6503% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,748 |
| Loan loss allowance to noncurrent loans | 266.4665% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 7.1620% | 45 |
| Noncurrent loans to loans | 0.4542% | 3,173 |
| Net loans and leases to total assets | 67.7145% | 2,799 |
| Net loans and leases to deposits | 72.0926% | 3,592 |
| Net loans and leases to core deposits | 77.8372% | 3,505 |
| Total domestic deposits to total assets | 93.9272% | 18 |
| Equity capital to assets | 5.4180% | 5,580 |
| Core capital (leverage) ratio | 5.5438% | 5,582 |
| Tier 1 risk-based capital ratio | 7.4131% | 5,591 |
| Total risk-based capital ratio | 8.5249% | 5,592 |
| Memoranda: | ||
| Average total assets | $324,157,500 | 2,053 |
| Average earning assets | $282,096,000 | 2,165 |
| Average equity | $17,321,000 | 3,433 |
| Average total loans | $219,227,000 | 2,047 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 3,849 |
| Cost of funding earning assets | 0.5025% | 2,314 |
| Net interest margin | 3.3588% | 3,977 |
| Noninterest income to average assets | -0.5424% | 5,662 |
| Noninterest expense to average assets | 2.7721% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4308% | 5,512 |
| Return on assets (ROA) | -0.4308% | 5,510 |
| Pretax return on assets | -0.4308% | 5,538 |
| Return on Equity (ROE) | -7.6942% | 5,574 |
| Retained earnings to average equity (ytd only) | -7.6942% | 5,498 |
| Net charge-offs to loans | 0.0303% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -21.9063% | 4,104 |
| Efficiency ratio | 118.4014% | 71 |
| Assets per employee ($millions) | 4.4855% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,633 |
| Loan loss allowance to noncurrent loans | 311.2791% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 7.1087% | 45 |
| Noncurrent loans to loans | 0.3936% | 3,351 |
| Net loans and leases to total assets | 65.9162% | 3,113 |
| Net loans and leases to deposits | 70.1495% | 3,860 |
| Net loans and leases to core deposits | 75.6119% | 3,767 |
| Total domestic deposits to total assets | 93.9654% | 15 |
| Equity capital to assets | 5.2702% | 5,647 |
| Core capital (leverage) ratio | 5.3272% | 5,648 |
| Tier 1 risk-based capital ratio | 7.3376% | 5,654 |
| Total risk-based capital ratio | 8.4634% | 5,654 |
| Memoranda: | ||
| Average total assets | $325,426,000 | 2,035 |
| Average earning assets | $279,381,600 | 2,157 |
| Average equity | $18,221,400 | 3,337 |
| Average total loans | $211,035,200 | 2,067 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,949 |
| Cost of funding earning assets | 0.5023% | 2,242 |
| Net interest margin | 3.3140% | 4,121 |
| Noninterest income to average assets | -0.1588% | 5,716 |
| Noninterest expense to average assets | 2.7801% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1042% | 5,551 |
| Return on assets (ROA) | -0.1042% | 5,553 |
| Pretax return on assets | -0.1042% | 5,544 |
| Return on Equity (ROE) | -1.8343% | 5,582 |
| Retained earnings to average equity (ytd only) | -1.8343% | 5,419 |
| Net charge-offs to loans | 0.0325% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -4.9803% | 3,756 |
| Efficiency ratio | 103.8951% | 135 |
| Assets per employee ($millions) | 4.5130% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,708 |
| Loan loss allowance to noncurrent loans | 247.4701% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 7.6562% | 41 |
| Noncurrent loans to loans | 0.5001% | 3,199 |
| Net loans and leases to total assets | 65.1591% | 3,223 |
| Net loans and leases to deposits | 69.5762% | 3,996 |
| Net loans and leases to core deposits | 75.2407% | 3,867 |
| Total domestic deposits to total assets | 93.6515% | 15 |
| Equity capital to assets | 5.6304% | 5,707 |
| Core capital (leverage) ratio | 5.6981% | 5,706 |
| Tier 1 risk-based capital ratio | 7.8417% | 5,715 |
| Total risk-based capital ratio | 8.9761% | 5,716 |
| Memoranda: | ||
| Average total assets | $324,921,750 | 2,053 |
| Average earning assets | $277,925,000 | 2,183 |
| Average equity | $18,462,500 | 3,335 |
| Average total loans | $209,165,250 | 2,089 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 3,964 |
| Cost of funding earning assets | 0.5019% | 2,149 |
| Net interest margin | 3.2779% | 4,180 |
| Noninterest income to average assets | -0.1818% | 5,769 |
| Noninterest expense to average assets | 2.8187% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2096% | 5,623 |
| Return on assets (ROA) | -0.2096% | 5,622 |
| Pretax return on assets | -0.2096% | 5,609 |
| Return on Equity (ROE) | -3.6781% | 5,665 |
| Retained earnings to average equity (ytd only) | -3.6781% | 5,476 |
| Net charge-offs to loans | 0.1356% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.4214% | 3,447 |
| Efficiency ratio | 108.0351% | 115 |
| Assets per employee ($millions) | 4.3386% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,750 |
| Loan loss allowance to noncurrent loans | 290.2902% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 8.2350% | 37 |
| Noncurrent loans to loans | 0.4277% | 3,481 |
| Net loans and leases to total assets | 64.4463% | 3,323 |
| Net loans and leases to deposits | 68.9112% | 3,999 |
| Net loans and leases to core deposits | 74.6799% | 3,882 |
| Total domestic deposits to total assets | 93.5207% | 19 |
| Equity capital to assets | 5.7457% | 5,748 |
| Core capital (leverage) ratio | 5.7683% | 5,751 |
| Tier 1 risk-based capital ratio | 7.9644% | 5,764 |
| Total risk-based capital ratio | 9.0835% | 5,765 |
| Memoranda: | ||
| Average total assets | $323,413,670 | 2,065 |
| Average earning assets | $275,355,670 | 2,196 |
| Average equity | $18,433,670 | 3,340 |
| Average total loans | $206,435,670 | 2,113 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,281 |
| Cost of funding earning assets | 0.4992% | 2,092 |
| Net interest margin | 3.1508% | 4,500 |
| Noninterest income to average assets | -0.5200% | 5,853 |
| Noninterest expense to average assets | 2.7813% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.6260% | 5,754 |
| Return on assets (ROA) | -0.6260% | 5,753 |
| Pretax return on assets | -0.6260% | 5,747 |
| Return on Equity (ROE) | -11.0273% | 5,785 |
| Retained earnings to average equity (ytd only) | -11.0273% | 5,602 |
| Net charge-offs to loans | -0.0078% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.0452% | 57 |
| Assets per employee ($millions) | 4.3059% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,408 |
| Loan loss allowance to noncurrent loans | 56.4466% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 9.8863% | 36 |
| Noncurrent loans to loans | 2.3499% | 696 |
| Net loans and leases to total assets | 63.2311% | 3,369 |
| Net loans and leases to deposits | 67.3657% | 4,057 |
| Net loans and leases to core deposits | 72.5724% | 3,939 |
| Total domestic deposits to total assets | 93.8623% | 18 |
| Equity capital to assets | 5.6376% | 5,822 |
| Core capital (leverage) ratio | 5.6721% | 5,818 |
| Tier 1 risk-based capital ratio | 7.8383% | 5,829 |
| Total risk-based capital ratio | 9.0114% | 5,829 |
| Memoranda: | ||
| Average total assets | $324,593,000 | 2,069 |
| Average earning assets | $275,615,500 | 2,210 |
| Average equity | $18,427,000 | 3,356 |
| Average total loans | $204,899,000 | 2,139 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,055 |
| Cost of funding earning assets | 0.5414% | 1,779 |
| Net interest margin | 3.2072% | 4,436 |
| Noninterest income to average assets | 0.3466% | 4,258 |
| Noninterest expense to average assets | 3.0389% | 2,222 |
| Loan and lease loss provision to assets | -0.0315% | 5,539 |
| Net operating income to assets | 0.0202% | 5,624 |
| Return on assets (ROA) | 0.0211% | 5,649 |
| Pretax return on assets | 0.0211% | 5,644 |
| Return on Equity (ROE) | 0.3565% | 5,636 |
| Retained earnings to average equity (ytd only) | 0.3565% | 5,178 |
| Net charge-offs to loans | 0.0263% | 3,509 |
| Credit loss provision to net charge-offs | -196.0784% | 4,998 |
| Earnings coverage of net charge-offs (x) | -0.7059% | 4,166 |
| Efficiency ratio | 100.3750% | 220 |
| Assets per employee ($millions) | 4.2369% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,295 |
| Loan loss allowance to noncurrent loans | 61.0332% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 10.5151% | 32 |
| Noncurrent loans to loans | 2.2139% | 765 |
| Net loans and leases to total assets | 61.3383% | 3,677 |
| Net loans and leases to deposits | 65.4912% | 4,291 |
| Net loans and leases to core deposits | 70.5789% | 4,192 |
| Total domestic deposits to total assets | 93.6588% | 28 |
| Equity capital to assets | 5.7159% | 5,861 |
| Core capital (leverage) ratio | 5.8664% | 5,865 |
| Tier 1 risk-based capital ratio | 7.9984% | 5,879 |
| Total risk-based capital ratio | 9.1615% | 5,876 |
| Memoranda: | ||
| Average total assets | $317,084,200 | 2,075 |
| Average earning assets | $265,058,400 | 2,248 |
| Average equity | $18,794,800 | 3,298 |
| Average total loans | $193,719,800 | 2,167 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 4,048 |
| Cost of funding earning assets | 0.5503% | 1,686 |
| Net interest margin | 3.2090% | 4,463 |
| Noninterest income to average assets | 0.4845% | 3,356 |
| Noninterest expense to average assets | 3.1046% | 2,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0546% | 5,679 |
| Return on assets (ROA) | 0.0559% | 5,708 |
| Pretax return on assets | 0.0559% | 5,707 |
| Return on Equity (ROE) | 0.9346% | 5,648 |
| Retained earnings to average equity (ytd only) | 0.9346% | 5,107 |
| Net charge-offs to loans | 0.0007% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 129.3233% | 531 |
| Efficiency ratio | 98.2705% | 254 |
| Assets per employee ($millions) | 4.4075% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,850 |
| Loan loss allowance to noncurrent loans | 200.9034% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 9.9038% | 42 |
| Noncurrent loans to loans | 0.7352% | 2,835 |
| Net loans and leases to total assets | 59.9375% | 3,886 |
| Net loans and leases to deposits | 64.1599% | 4,477 |
| Net loans and leases to core deposits | 69.4333% | 4,369 |
| Total domestic deposits to total assets | 93.4190% | 24 |
| Equity capital to assets | 5.8888% | 5,936 |
| Core capital (leverage) ratio | 5.9521% | 5,928 |
| Tier 1 risk-based capital ratio | 8.2007% | 5,938 |
| Total risk-based capital ratio | 9.4507% | 5,936 |
| Memoranda: | ||
| Average total assets | $314,794,000 | 2,095 |
| Average earning assets | $262,378,000 | 2,278 |
| Average equity | $18,831,500 | 3,315 |
| Average total loans | $191,436,250 | 2,195 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 4,009 |
| Cost of funding earning assets | 0.5587% | 1,633 |
| Net interest margin | 3.2258% | 4,464 |
| Noninterest income to average assets | 0.5440% | 2,937 |
| Noninterest expense to average assets | 3.0543% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1690% | 5,582 |
| Return on assets (ROA) | 0.1709% | 5,632 |
| Pretax return on assets | 0.1709% | 5,651 |
| Return on Equity (ROE) | 2.8415% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.8415% | 4,098 |
| Net charge-offs to loans | -0.0011% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7577% | 389 |
| Assets per employee ($millions) | 4.3748% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,900 |
| Loan loss allowance to noncurrent loans | 215.5738% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 10.2404% | 43 |
| Noncurrent loans to loans | 0.6911% | 3,007 |
| Net loans and leases to total assets | 60.7307% | 3,782 |
| Net loans and leases to deposits | 65.0816% | 4,406 |
| Net loans and leases to core deposits | 70.7402% | 4,273 |
| Total domestic deposits to total assets | 93.3147% | 24 |
| Equity capital to assets | 6.0348% | 6,012 |
| Core capital (leverage) ratio | 6.0718% | 6,004 |
| Tier 1 risk-based capital ratio | 8.1984% | 6,017 |
| Total risk-based capital ratio | 9.4485% | 6,014 |
| Memoranda: | ||
| Average total assets | $312,477,000 | 2,113 |
| Average earning assets | $259,534,670 | 2,302 |
| Average equity | $18,793,000 | 3,328 |
| Average total loans | $190,002,670 | 2,211 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,038 |
| Cost of funding earning assets | 0.5690% | 1,551 |
| Net interest margin | 3.2063% | 4,562 |
| Noninterest income to average assets | 0.3766% | 4,016 |
| Noninterest expense to average assets | 2.9484% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0861% | 5,702 |
| Return on assets (ROA) | 0.0900% | 5,741 |
| Pretax return on assets | 0.0900% | 5,748 |
| Return on Equity (ROE) | 1.4985% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.4985% | 4,671 |
| Net charge-offs to loans | -0.0043% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1622% | 364 |
| Assets per employee ($millions) | 4.0981% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 2,016 |
| Loan loss allowance to noncurrent loans | 187.9221% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 10.5010% | 50 |
| Noncurrent loans to loans | 0.7951% | 2,845 |
| Net loans and leases to total assets | 62.0729% | 3,513 |
| Net loans and leases to deposits | 66.5771% | 4,200 |
| Net loans and leases to core deposits | 72.6139% | 4,019 |
| Total domestic deposits to total assets | 93.2347% | 40 |
| Equity capital to assets | 6.1029% | 6,065 |
| Core capital (leverage) ratio | 6.0772% | 6,060 |
| Tier 1 risk-based capital ratio | 8.1258% | 6,076 |
| Total risk-based capital ratio | 9.3759% | 6,073 |
| Memoranda: | ||
| Average total assets | $311,221,000 | 2,126 |
| Average earning assets | $257,992,000 | 2,325 |
| Average equity | $18,685,000 | 3,346 |
| Average total loans | $187,910,000 | 2,229 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,558 |
| Cost of funding earning assets | 0.6131% | 1,295 |
| Net interest margin | 3.0265% | 5,071 |
| Noninterest income to average assets | 0.4264% | 3,843 |
| Noninterest expense to average assets | 3.1823% | 2,005 |
| Loan and lease loss provision to assets | -0.6520% | 6,149 |
| Net operating income to assets | 0.3645% | 5,160 |
| Return on assets (ROA) | 0.3651% | 5,247 |
| Pretax return on assets | 0.3651% | 5,393 |
| Return on Equity (ROE) | 7.1600% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.1600% | 1,208 |
| Net charge-offs to loans | -0.1207% | 5,829 |
| Credit loss provision to net charge-offs | 913.2420% | 368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9324% | 142 |
| Assets per employee ($millions) | 4.3761% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,650 |
| Loan loss allowance to noncurrent loans | 101.2960% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 10.9318% | 45 |
| Noncurrent loans to loans | 1.5675% | 1,469 |
| Net loans and leases to total assets | 56.8889% | 4,213 |
| Net loans and leases to deposits | 60.9026% | 4,710 |
| Net loans and leases to core deposits | 66.2419% | 4,572 |
| Total domestic deposits to total assets | 93.4096% | 38 |
| Equity capital to assets | 5.9071% | 6,122 |
| Core capital (leverage) ratio | 5.9711% | 6,124 |
| Tier 1 risk-based capital ratio | 8.4719% | 6,129 |
| Total risk-based capital ratio | 9.7228% | 6,128 |
| Memoranda: | ||
| Average total assets | $306,758,400 | 2,113 |
| Average earning assets | $250,191,800 | 2,338 |
| Average equity | $15,642,400 | 3,742 |
| Average total loans | $181,515,200 | 2,223 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,536 |
| Cost of funding earning assets | 0.6204% | 1,273 |
| Net interest margin | 3.0461% | 5,084 |
| Noninterest income to average assets | 0.4385% | 3,812 |
| Noninterest expense to average assets | 3.1731% | 2,037 |
| Loan and lease loss provision to assets | -0.8752% | 6,255 |
| Net operating income to assets | 0.6135% | 4,309 |
| Return on assets (ROA) | 0.6135% | 4,424 |
| Pretax return on assets | 0.6135% | 4,941 |
| Return on Equity (ROE) | 12.5456% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.5456% | 311 |
| Net charge-offs to loans | -0.1581% | 5,933 |
| Credit loss provision to net charge-offs | 930.2326% | 392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9884% | 157 |
| Assets per employee ($millions) | 4.2169% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 1,893 |
| Loan loss allowance to noncurrent loans | 99.7927% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 11.2266% | 45 |
| Noncurrent loans to loans | 1.5713% | 1,589 |
| Net loans and leases to total assets | 58.8911% | 4,026 |
| Net loans and leases to deposits | 63.1955% | 4,629 |
| Net loans and leases to core deposits | 69.0191% | 4,457 |
| Total domestic deposits to total assets | 93.1888% | 42 |
| Equity capital to assets | 6.1547% | 6,196 |
| Core capital (leverage) ratio | 6.1563% | 6,193 |
| Tier 1 risk-based capital ratio | 8.4802% | 6,211 |
| Total risk-based capital ratio | 9.7306% | 6,210 |
| Memoranda: | ||
| Average total assets | $304,677,750 | 2,134 |
| Average earning assets | $247,351,250 | 2,387 |
| Average equity | $14,900,000 | 3,890 |
| Average total loans | $181,359,500 | 2,234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,512 |
| Cost of funding earning assets | 0.6263% | 1,252 |
| Net interest margin | 3.0424% | 5,108 |
| Noninterest income to average assets | 0.4453% | 3,738 |
| Noninterest expense to average assets | 3.2020% | 1,977 |
| Loan and lease loss provision to assets | -1.3174% | 6,334 |
| Net operating income to assets | 1.0151% | 2,313 |
| Return on assets (ROA) | 1.0151% | 2,425 |
| Pretax return on assets | 1.0151% | 3,524 |
| Return on Equity (ROE) | 22.7432% | 170 |
| Retained earnings to average equity (ytd only) | 22.7432% | 59 |
| Net charge-offs to loans | 0.1973% | 1,268 |
| Credit loss provision to net charge-offs | -1,123.5955% | 5,373 |
| Earnings coverage of net charge-offs (x) | -2.5787% | 3,793 |
| Efficiency ratio | 110.4271% | 165 |
| Assets per employee ($millions) | 4.2072% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,906 |
| Loan loss allowance to noncurrent loans | 84.1200% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 11.3346% | 48 |
| Noncurrent loans to loans | 1.6247% | 1,609 |
| Net loans and leases to total assets | 57.0656% | 4,212 |
| Net loans and leases to deposits | 61.1052% | 4,764 |
| Net loans and leases to core deposits | 66.4947% | 4,609 |
| Total domestic deposits to total assets | 93.3890% | 45 |
| Equity capital to assets | 6.0491% | 6,269 |
| Core capital (leverage) ratio | 6.3061% | 6,257 |
| Tier 1 risk-based capital ratio | 8.6128% | 6,278 |
| Total risk-based capital ratio | 9.7374% | 6,279 |
| Memoranda: | ||
| Average total assets | $303,626,670 | 2,160 |
| Average earning assets | $244,939,670 | 2,422 |
| Average equity | $13,551,330 | 4,113 |
| Average total loans | $180,421,670 | 2,257 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 4,203 |
| Cost of funding earning assets | 0.6473% | 1,134 |
| Net interest margin | 3.1005% | 4,950 |
| Noninterest income to average assets | -0.1102% | 6,367 |
| Noninterest expense to average assets | 3.1659% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7982% | 6,297 |
| Return on assets (ROA) | -0.7982% | 6,303 |
| Pretax return on assets | -0.7982% | 6,292 |
| Return on Equity (ROE) | -22.0337% | 6,364 |
| Retained earnings to average equity (ytd only) | -22.0337% | 6,293 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7117% | 73 |
| Assets per employee ($millions) | 4.1376% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6459% | 433 |
| Loan loss allowance to noncurrent loans | 138.9120% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 13.7273% | 38 |
| Noncurrent loans to loans | 1.9047% | 1,413 |
| Net loans and leases to total assets | 57.7156% | 3,992 |
| Net loans and leases to deposits | 60.1584% | 4,737 |
| Net loans and leases to core deposits | 65.5124% | 4,570 |
| Total domestic deposits to total assets | 95.9394% | 8 |
| Equity capital to assets | 3.5172% | 6,397 |
| Core capital (leverage) ratio | 3.5320% | 6,398 |
| Tier 1 risk-based capital ratio | 4.8107% | 6,400 |
| Total risk-based capital ratio | 6.0716% | 6,402 |
| Memoranda: | ||
| Average total assets | $297,671,500 | 2,211 |
| Average earning assets | $237,900,500 | 2,489 |
| Average equity | $10,783,500 | 4,647 |
| Average total loans | $179,353,500 | 2,278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 3,758 |
| Cost of funding earning assets | 0.6865% | 1,171 |
| Net interest margin | 3.3047% | 4,540 |
| Noninterest income to average assets | 0.2308% | 5,478 |
| Noninterest expense to average assets | 3.2863% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -4.1428% | 6,489 |
| Return on assets (ROA) | -4.1428% | 6,488 |
| Pretax return on assets | -0.4573% | 6,277 |
| Return on Equity (ROE) | -67.7348% | 6,495 |
| Retained earnings to average equity (ytd only) | -67.7348% | 6,495 |
| Net charge-offs to loans | -0.2945% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1657% | 149 |
| Assets per employee ($millions) | 4.1892% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5663% | 505 |
| Loan loss allowance to noncurrent loans | 136.9578% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 14.0969% | 43 |
| Noncurrent loans to loans | 1.8738% | 1,509 |
| Net loans and leases to total assets | 59.6505% | 3,832 |
| Net loans and leases to deposits | 62.4045% | 4,692 |
| Net loans and leases to core deposits | 67.9475% | 4,511 |
| Total domestic deposits to total assets | 95.5869% | 15 |
| Equity capital to assets | 3.7282% | 6,483 |
| Core capital (leverage) ratio | 3.6718% | 6,483 |
| Tier 1 risk-based capital ratio | 4.9830% | 6,487 |
| Total risk-based capital ratio | 6.2437% | 6,488 |
| Memoranda: | ||
| Average total assets | $304,602,400 | 2,134 |
| Average earning assets | $239,474,800 | 2,432 |
| Average equity | $18,630,000 | 3,335 |
| Average total loans | $185,087,400 | 2,173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,596 |
| Cost of funding earning assets | 0.6884% | 1,211 |
| Net interest margin | 3.3517% | 4,423 |
| Noninterest income to average assets | 0.1701% | 5,906 |
| Noninterest expense to average assets | 3.2223% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -5.3102% | 6,576 |
| Return on assets (ROA) | -5.3102% | 6,577 |
| Pretax return on assets | -0.4251% | 6,334 |
| Return on Equity (ROE) | -79.3081% | 6,574 |
| Retained earnings to average equity (ytd only) | -79.3081% | 6,574 |
| Net charge-offs to loans | -0.3960% | 6,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1991% | 170 |
| Assets per employee ($millions) | 4.1081% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5681% | 601 |
| Loan loss allowance to noncurrent loans | 136.4034% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 14.0130% | 43 |
| Noncurrent loans to loans | 1.8827% | 1,699 |
| Net loans and leases to total assets | 59.2058% | 3,905 |
| Net loans and leases to deposits | 61.9415% | 4,745 |
| Net loans and leases to core deposits | 67.3942% | 4,571 |
| Total domestic deposits to total assets | 95.5834% | 17 |
| Equity capital to assets | 3.8197% | 6,556 |
| Core capital (leverage) ratio | 3.8119% | 6,554 |
| Tier 1 risk-based capital ratio | 5.1645% | 6,561 |
| Total risk-based capital ratio | 6.4252% | 6,562 |
| Memoranda: | ||
| Average total assets | $306,394,500 | 2,132 |
| Average earning assets | $240,148,250 | 2,438 |
| Average equity | $20,515,250 | 3,115 |
| Average total loans | $185,835,750 | 2,169 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,630 |
| Cost of funding earning assets | 0.6913% | 1,233 |
| Net interest margin | 3.3354% | 4,451 |
| Noninterest income to average assets | 0.1990% | 5,767 |
| Noninterest expense to average assets | 3.0749% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1413% | 6,283 |
| Return on assets (ROA) | -0.1413% | 6,297 |
| Pretax return on assets | -0.2709% | 6,348 |
| Return on Equity (ROE) | -1.8525% | 6,322 |
| Retained earnings to average equity (ytd only) | -1.8525% | 5,974 |
| Net charge-offs to loans | 0.3272% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.3660% | 4,224 |
| Efficiency ratio | 109.6625% | 235 |
| Assets per employee ($millions) | 4.2580% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,356 |
| Loan loss allowance to noncurrent loans | 47.9428% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 13.6758% | 47 |
| Noncurrent loans to loans | 4.1746% | 559 |
| Net loans and leases to total assets | 60.2063% | 3,680 |
| Net loans and leases to deposits | 65.4287% | 4,328 |
| Net loans and leases to core deposits | 71.5155% | 4,098 |
| Total domestic deposits to total assets | 92.0182% | 170 |
| Equity capital to assets | 7.5471% | 6,340 |
| Core capital (leverage) ratio | 4.0113% | 6,613 |
| Tier 1 risk-based capital ratio | 5.2862% | 6,624 |
| Total risk-based capital ratio | 6.5414% | 6,626 |
| Memoranda: | ||
| Average total assets | $308,561,670 | 2,113 |
| Average earning assets | $240,991,670 | 2,435 |
| Average equity | $23,535,330 | 2,797 |
| Average total loans | $187,036,330 | 2,159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,225 |
| Cost of funding earning assets | 0.6913% | 1,300 |
| Net interest margin | 3.4234% | 4,014 |
| Noninterest income to average assets | 0.2095% | 5,684 |
| Noninterest expense to average assets | 2.9835% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1015% | 6,284 |
| Return on assets (ROA) | -0.1015% | 6,296 |
| Pretax return on assets | -0.1002% | 6,286 |
| Return on Equity (ROE) | -1.3235% | 6,320 |
| Retained earnings to average equity (ytd only) | -1.3235% | 5,772 |
| Net charge-offs to loans | -0.0692% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4747% | 388 |
| Assets per employee ($millions) | 4.2924% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1969% | 1,166 |
| Loan loss allowance to noncurrent loans | 37.8871% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 14.3389% | 48 |
| Noncurrent loans to loans | 5.7987% | 328 |
| Net loans and leases to total assets | 59.9229% | 3,573 |
| Net loans and leases to deposits | 65.2002% | 4,177 |
| Net loans and leases to core deposits | 71.0285% | 3,983 |
| Total domestic deposits to total assets | 91.9059% | 275 |
| Equity capital to assets | 7.6220% | 6,265 |
| Core capital (leverage) ratio | 4.3940% | 6,667 |
| Tier 1 risk-based capital ratio | 5.7239% | 6,684 |
| Total risk-based capital ratio | 6.9809% | 6,682 |
| Memoranda: | ||
| Average total assets | $307,426,000 | 2,128 |
| Average earning assets | $240,112,000 | 2,440 |
| Average equity | $23,573,500 | 2,787 |
| Average total loans | $185,073,000 | 2,184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 4,343 |
| Cost of funding earning assets | 0.8474% | 958 |
| Net interest margin | 3.0853% | 5,359 |
| Noninterest income to average assets | -0.0921% | 6,719 |
| Noninterest expense to average assets | 3.0413% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4675% | 6,480 |
| Return on assets (ROA) | -0.4673% | 6,488 |
| Pretax return on assets | -0.7371% | 6,543 |
| Return on Equity (ROE) | -5.9692% | 6,506 |
| Retained earnings to average equity (ytd only) | -5.9692% | 6,413 |
| Net charge-offs to loans | 1.0523% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.1839% | 5,278 |
| Efficiency ratio | 132.0102% | 113 |
| Assets per employee ($millions) | 4.1890% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2833% | 1,061 |
| Loan loss allowance to noncurrent loans | 33.5883% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 15.0119% | 50 |
| Noncurrent loans to loans | 6.7979% | 257 |
| Net loans and leases to total assets | 57.7715% | 4,074 |
| Net loans and leases to deposits | 63.0000% | 4,609 |
| Net loans and leases to core deposits | 68.5278% | 4,447 |
| Total domestic deposits to total assets | 91.7007% | 353 |
| Equity capital to assets | 7.7146% | 6,177 |
| Core capital (leverage) ratio | 4.2771% | 6,739 |
| Tier 1 risk-based capital ratio | 5.9074% | 6,756 |
| Total risk-based capital ratio | 7.1654% | 6,756 |
| Memoranda: | ||
| Average total assets | $307,271,000 | 2,101 |
| Average earning assets | $238,616,800 | 2,433 |
| Average equity | $24,057,000 | 2,725 |
| Average total loans | $181,895,200 | 2,175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 4,332 |
| Cost of funding earning assets | 0.8763% | 924 |
| Net interest margin | 3.0688% | 5,402 |
| Noninterest income to average assets | -0.5092% | 6,870 |
| Noninterest expense to average assets | 2.9692% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.6946% | 6,650 |
| Return on assets (ROA) | -0.6943% | 6,657 |
| Pretax return on assets | -1.0952% | 6,709 |
| Return on Equity (ROE) | -8.8359% | 6,675 |
| Retained earnings to average equity (ytd only) | -8.8359% | 6,613 |
| Net charge-offs to loans | 0.1822% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -10.1527% | 5,167 |
| Efficiency ratio | 158.4779% | 61 |
| Assets per employee ($millions) | 4.2909% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2712% | 422 |
| Loan loss allowance to noncurrent loans | 44.7889% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 15.1006% | 53 |
| Noncurrent loans to loans | 7.3035% | 272 |
| Net loans and leases to total assets | 54.6864% | 4,504 |
| Net loans and leases to deposits | 59.4175% | 5,044 |
| Net loans and leases to core deposits | 64.7396% | 4,821 |
| Total domestic deposits to total assets | 92.0374% | 242 |
| Equity capital to assets | 7.5074% | 6,392 |
| Core capital (leverage) ratio | 4.1828% | 6,819 |
| Tier 1 risk-based capital ratio | 5.8852% | 6,834 |
| Total risk-based capital ratio | 7.1534% | 6,834 |
| Memoranda: | ||
| Average total assets | $307,639,250 | 2,101 |
| Average earning assets | $238,869,500 | 2,452 |
| Average equity | $24,173,500 | 2,744 |
| Average total loans | $182,171,000 | 2,180 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,752 |
| Cost of funding earning assets | 0.9143% | 835 |
| Net interest margin | 3.1805% | 5,011 |
| Noninterest income to average assets | -0.6449% | 6,918 |
| Noninterest expense to average assets | 2.8812% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6839% | 6,689 |
| Return on assets (ROA) | -0.6835% | 6,702 |
| Pretax return on assets | -1.0635% | 6,748 |
| Return on Equity (ROE) | -8.5681% | 6,716 |
| Retained earnings to average equity (ytd only) | -8.5681% | 6,628 |
| Net charge-offs to loans | -0.0805% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.5673% | 61 |
| Assets per employee ($millions) | 4.1787% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3353% | 422 |
| Loan loss allowance to noncurrent loans | 50.9624% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 15.5239% | 54 |
| Noncurrent loans to loans | 6.5447% | 397 |
| Net loans and leases to total assets | 58.1076% | 3,967 |
| Net loans and leases to deposits | 63.4504% | 4,568 |
| Net loans and leases to core deposits | 69.3443% | 4,346 |
| Total domestic deposits to total assets | 91.5796% | 351 |
| Equity capital to assets | 7.9142% | 6,258 |
| Core capital (leverage) ratio | 4.4526% | 6,854 |
| Tier 1 risk-based capital ratio | 5.9795% | 6,873 |
| Total risk-based capital ratio | 7.2483% | 6,875 |
| Memoranda: | ||
| Average total assets | $305,772,670 | 2,118 |
| Average earning assets | $236,692,330 | 2,475 |
| Average equity | $24,392,670 | 2,731 |
| Average total loans | $183,864,000 | 2,165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 5,037 |
| Cost of funding earning assets | 0.9380% | 824 |
| Net interest margin | 2.7972% | 6,039 |
| Noninterest income to average assets | -0.5697% | 6,990 |
| Noninterest expense to average assets | 2.8536% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7696% | 6,758 |
| Return on assets (ROA) | -0.7696% | 6,773 |
| Pretax return on assets | -1.2530% | 6,849 |
| Return on Equity (ROE) | -9.6093% | 6,796 |
| Retained earnings to average equity (ytd only) | -9.6093% | 6,597 |
| Net charge-offs to loans | -0.1390% | 6,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.2857% | 52 |
| Assets per employee ($millions) | 4.3729% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3097% | 489 |
| Loan loss allowance to noncurrent loans | 51.1048% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 15.8292% | 66 |
| Noncurrent loans to loans | 6.4763% | 498 |
| Net loans and leases to total assets | 58.2744% | 3,746 |
| Net loans and leases to deposits | 63.7257% | 4,349 |
| Net loans and leases to core deposits | 70.0041% | 4,083 |
| Total domestic deposits to total assets | 91.4457% | 369 |
| Equity capital to assets | 7.9394% | 6,416 |
| Core capital (leverage) ratio | 4.8301% | 6,889 |
| Tier 1 risk-based capital ratio | 6.3998% | 6,919 |
| Total risk-based capital ratio | 7.6663% | 6,921 |
| Memoranda: | ||
| Average total assets | $306,136,000 | 2,145 |
| Average earning assets | $237,521,500 | 2,493 |
| Average equity | $24,518,000 | 2,758 |
| Average total loans | $184,110,500 | 2,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 5,261 |
| Cost of funding earning assets | 1.1761% | 644 |
| Net interest margin | 2.8373% | 6,340 |
| Noninterest income to average assets | 0.6241% | 3,145 |
| Noninterest expense to average assets | 3.0064% | 3,247 |
| Loan and lease loss provision to assets | 0.0941% | 4,493 |
| Net operating income to assets | -0.2652% | 6,415 |
| Return on assets (ROA) | -0.2449% | 6,468 |
| Pretax return on assets | -0.3180% | 6,487 |
| Return on Equity (ROE) | -3.2584% | 6,510 |
| Retained earnings to average equity (ytd only) | -3.2584% | 6,283 |
| Net charge-offs to loans | 3.7012% | 91 |
| Credit loss provision to net charge-offs | 4.1586% | 5,455 |
| Earnings coverage of net charge-offs (x) | -0.1106% | 5,544 |
| Efficiency ratio | 109.0806% | 347 |
| Assets per employee ($millions) | 4.3122% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2884% | 511 |
| Loan loss allowance to noncurrent loans | 31.1540% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 17.5754% | 48 |
| Noncurrent loans to loans | 10.5555% | 204 |
| Net loans and leases to total assets | 58.0376% | 3,971 |
| Net loans and leases to deposits | 63.5813% | 4,586 |
| Net loans and leases to core deposits | 70.0410% | 4,305 |
| Total domestic deposits to total assets | 91.2809% | 406 |
| Equity capital to assets | 8.0783% | 6,366 |
| Core capital (leverage) ratio | 4.7448% | 6,947 |
| Tier 1 risk-based capital ratio | 6.5033% | 6,973 |
| Total risk-based capital ratio | 7.7719% | 6,975 |
| Memoranda: | ||
| Average total assets | $318,853,200 | 2,012 |
| Average earning assets | $239,596,200 | 2,416 |
| Average equity | $23,969,000 | 2,747 |
| Average total loans | $194,911,200 | 2,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 4,992 |
| Cost of funding earning assets | 1.2260% | 615 |
| Net interest margin | 2.9230% | 6,314 |
| Noninterest income to average assets | -0.3925% | 7,112 |
| Noninterest expense to average assets | 2.9657% | 3,353 |
| Loan and lease loss provision to assets | 0.1242% | 4,002 |
| Net operating income to assets | -1.0237% | 6,865 |
| Return on assets (ROA) | -0.9966% | 6,888 |
| Pretax return on assets | -1.2711% | 6,920 |
| Return on Equity (ROE) | -13.4967% | 6,909 |
| Retained earnings to average equity (ytd only) | -13.4967% | 6,880 |
| Net charge-offs to loans | 2.3105% | 283 |
| Credit loss provision to net charge-offs | 8.7566% | 5,094 |
| Earnings coverage of net charge-offs (x) | -0.8330% | 5,558 |
| Efficiency ratio | 166.2335% | 66 |
| Assets per employee ($millions) | 4.2879% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1736% | 127 |
| Loan loss allowance to noncurrent loans | 59.4245% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 16.1225% | 73 |
| Noncurrent loans to loans | 8.7062% | 335 |
| Net loans and leases to total assets | 57.5600% | 4,195 |
| Net loans and leases to deposits | 62.4359% | 4,909 |
| Net loans and leases to core deposits | 69.1292% | 4,595 |
| Total domestic deposits to total assets | 92.1905% | 189 |
| Equity capital to assets | 7.2428% | 6,833 |
| Core capital (leverage) ratio | 4.1489% | 7,085 |
| Tier 1 risk-based capital ratio | 5.6131% | 7,098 |
| Total risk-based capital ratio | 6.9010% | 7,099 |
| Memoranda: | ||
| Average total assets | $322,024,750 | 2,020 |
| Average earning assets | $239,791,750 | 2,446 |
| Average equity | $23,778,000 | 2,794 |
| Average total loans | $197,705,500 | 2,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 5,007 |
| Cost of funding earning assets | 1.2750% | 583 |
| Net interest margin | 2.9094% | 6,412 |
| Noninterest income to average assets | -0.0123% | 7,018 |
| Noninterest expense to average assets | 2.9967% | 3,268 |
| Loan and lease loss provision to assets | 0.1846% | 3,258 |
| Net operating income to assets | -0.6639% | 6,803 |
| Return on assets (ROA) | -0.6639% | 6,838 |
| Pretax return on assets | -1.0522% | 6,911 |
| Return on Equity (ROE) | -8.9369% | 6,885 |
| Retained earnings to average equity (ytd only) | -8.9369% | 6,805 |
| Net charge-offs to loans | 2.8551% | 215 |
| Credit loss provision to net charge-offs | 10.4932% | 4,733 |
| Earnings coverage of net charge-offs (x) | -0.4932% | 5,235 |
| Efficiency ratio | 140.7514% | 119 |
| Assets per employee ($millions) | 4.1972% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5687% | 218 |
| Loan loss allowance to noncurrent loans | 47.6466% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 15.9694% | 77 |
| Noncurrent loans to loans | 9.5887% | 290 |
| Net loans and leases to total assets | 57.6055% | 4,234 |
| Net loans and leases to deposits | 62.5529% | 4,931 |
| Net loans and leases to core deposits | 69.6681% | 4,570 |
| Total domestic deposits to total assets | 92.0909% | 210 |
| Equity capital to assets | 7.4411% | 6,810 |
| Core capital (leverage) ratio | 4.4484% | 7,103 |
| Tier 1 risk-based capital ratio | 6.0006% | 7,125 |
| Total risk-based capital ratio | 7.2824% | 7,126 |
| Memoranda: | ||
| Average total assets | $325,027,670 | 1,995 |
| Average earning assets | $239,222,000 | 2,437 |
| Average equity | $24,147,000 | 2,756 |
| Average total loans | $200,273,330 | 2,019 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 4,839 |
| Cost of funding earning assets | 1.3573% | 494 |
| Net interest margin | 2.9146% | 6,467 |
| Noninterest income to average assets | -0.3768% | 7,236 |
| Noninterest expense to average assets | 3.0788% | 2,988 |
| Loan and lease loss provision to assets | 0.3658% | 1,723 |
| Net operating income to assets | -1.1023% | 7,015 |
| Return on assets (ROA) | -1.1023% | 7,029 |
| Pretax return on assets | -1.7424% | 7,112 |
| Return on Equity (ROE) | -14.8486% | 7,065 |
| Retained earnings to average equity (ytd only) | -14.8486% | 6,969 |
| Net charge-offs to loans | 6.7642% | 50 |
| Credit loss provision to net charge-offs | 8.6906% | 3,920 |
| Earnings coverage of net charge-offs (x) | -0.3271% | 4,475 |
| Efficiency ratio | 180.8739% | 55 |
| Assets per employee ($millions) | 4.2000% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9669% | 182 |
| Loan loss allowance to noncurrent loans | 41.6270% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 17.7485% | 69 |
| Noncurrent loans to loans | 11.9318% | 210 |
| Net loans and leases to total assets | 58.0034% | 4,038 |
| Net loans and leases to deposits | 62.8837% | 4,788 |
| Net loans and leases to core deposits | 69.9562% | 4,427 |
| Total domestic deposits to total assets | 92.2391% | 221 |
| Equity capital to assets | 7.3831% | 6,826 |
| Core capital (leverage) ratio | 4.5793% | 7,145 |
| Tier 1 risk-based capital ratio | 6.1069% | 7,173 |
| Total risk-based capital ratio | 7.3923% | 7,171 |
| Memoranda: | ||
| Average total assets | $328,049,000 | 1,980 |
| Average earning assets | $233,996,000 | 2,499 |
| Average equity | $24,352,500 | 2,732 |
| Average total loans | $204,135,000 | 1,992 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 4,482 |
| Cost of funding earning assets | 1.5453% | 597 |
| Net interest margin | 3.0979% | 6,351 |
| Noninterest income to average assets | 0.3659% | 4,888 |
| Noninterest expense to average assets | 4.7949% | 460 |
| Loan and lease loss provision to assets | 1.9413% | 319 |
| Net operating income to assets | -2.5757% | 7,127 |
| Return on assets (ROA) | -2.5687% | 7,130 |
| Pretax return on assets | -4.0642% | 7,272 |
| Return on Equity (ROE) | -29.6341% | 7,090 |
| Retained earnings to average equity (ytd only) | -29.6341% | 7,083 |
| Net charge-offs to loans | 0.8153% | 2,116 |
| Credit loss provision to net charge-offs | 378.5874% | 618 |
| Earnings coverage of net charge-offs (x) | -4.1614% | 6,356 |
| Efficiency ratio | 180.1901% | 81 |
| Assets per employee ($millions) | 4.2113% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1437% | 82 |
| Loan loss allowance to noncurrent loans | 39.6815% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 20.9822% | 45 |
| Noncurrent loans to loans | 15.4826% | 121 |
| Net loans and leases to total assets | 59.4915% | 4,083 |
| Net loans and leases to deposits | 64.6122% | 4,923 |
| Net loans and leases to core deposits | 72.5245% | 4,437 |
| Total domestic deposits to total assets | 92.0747% | 230 |
| Equity capital to assets | 7.4627% | 6,824 |
| Core capital (leverage) ratio | 4.8549% | 7,160 |
| Tier 1 risk-based capital ratio | 6.1589% | 7,199 |
| Total risk-based capital ratio | 7.4547% | 7,195 |
| Memoranda: | ||
| Average total assets | $347,914,600 | 1,861 |
| Average earning assets | $257,752,600 | 2,251 |
| Average equity | $30,157,800 | 2,183 |
| Average total loans | $218,820,400 | 1,882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 4,546 |
| Cost of funding earning assets | 1.5695% | 666 |
| Net interest margin | 3.1105% | 6,368 |
| Noninterest income to average assets | 0.3412% | 5,133 |
| Noninterest expense to average assets | 4.4451% | 605 |
| Loan and lease loss provision to assets | 1.2487% | 613 |
| Net operating income to assets | -1.9511% | 7,128 |
| Return on assets (ROA) | -1.9443% | 7,142 |
| Pretax return on assets | -3.0258% | 7,273 |
| Return on Equity (ROE) | -21.7162% | 7,116 |
| Retained earnings to average equity (ytd only) | -21.7162% | 7,103 |
| Net charge-offs to loans | 0.4825% | 2,807 |
| Credit loss provision to net charge-offs | 412.2653% | 693 |
| Earnings coverage of net charge-offs (x) | -5.9024% | 6,109 |
| Efficiency ratio | 167.2753% | 95 |
| Assets per employee ($millions) | 3.6692% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8215% | 212 |
| Loan loss allowance to noncurrent loans | 32.4158% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 20.2115% | 50 |
| Noncurrent loans to loans | 14.8740% | 141 |
| Net loans and leases to total assets | 59.9873% | 4,128 |
| Net loans and leases to deposits | 65.7026% | 4,948 |
| Net loans and leases to core deposits | 73.7089% | 4,497 |
| Total domestic deposits to total assets | 91.3013% | 345 |
| Equity capital to assets | 8.2844% | 6,497 |
| Core capital (leverage) ratio | 6.0820% | 7,125 |
| Tier 1 risk-based capital ratio | 7.6237% | 7,214 |
| Total risk-based capital ratio | 8.9060% | 7,215 |
| Memoranda: | ||
| Average total assets | $351,719,250 | 1,849 |
| Average earning assets | $261,904,000 | 2,233 |
| Average equity | $31,490,250 | 2,107 |
| Average total loans | $220,805,000 | 1,880 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 4,492 |
| Cost of funding earning assets | 1.5883% | 731 |
| Net interest margin | 3.1224% | 6,363 |
| Noninterest income to average assets | 0.3486% | 5,094 |
| Noninterest expense to average assets | 4.1894% | 845 |
| Loan and lease loss provision to assets | 0.6074% | 1,584 |
| Net operating income to assets | -1.3797% | 7,063 |
| Return on assets (ROA) | -1.3797% | 7,071 |
| Pretax return on assets | -2.1068% | 7,184 |
| Return on Equity (ROE) | -15.0450% | 7,067 |
| Retained earnings to average equity (ytd only) | -15.0450% | 7,040 |
| Net charge-offs to loans | 0.2325% | 3,732 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | -10.2868% | 5,828 |
| Efficiency ratio | 155.7446% | 130 |
| Assets per employee ($millions) | 3.4947% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0083% | 416 |
| Loan loss allowance to noncurrent loans | 26.3200% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 21.5110% | 48 |
| Noncurrent loans to loans | 15.2292% | 133 |
| Net loans and leases to total assets | 60.9330% | 4,103 |
| Net loans and leases to deposits | 67.2831% | 4,818 |
| Net loans and leases to core deposits | 76.0754% | 4,308 |
| Total domestic deposits to total assets | 90.5621% | 693 |
| Equity capital to assets | 9.0382% | 5,525 |
| Core capital (leverage) ratio | 7.4427% | 6,779 |
| Tier 1 risk-based capital ratio | 9.0329% | 7,173 |
| Total risk-based capital ratio | 10.3061% | 7,173 |
| Memoranda: | ||
| Average total assets | $353,991,330 | 1,853 |
| Average earning assets | $265,439,330 | 2,216 |
| Average equity | $32,462,670 | 2,033 |
| Average total loans | $221,947,000 | 1,896 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 3,710 |
| Cost of funding earning assets | 1.6297% | 728 |
| Net interest margin | 3.2446% | 5,936 |
| Noninterest income to average assets | 0.3296% | 5,274 |
| Noninterest expense to average assets | 3.1922% | 2,923 |
| Loan and lease loss provision to assets | 0.6704% | 1,275 |
| Net operating income to assets | -0.8905% | 7,006 |
| Return on assets (ROA) | -0.8905% | 7,006 |
| Pretax return on assets | -1.0972% | 7,026 |
| Return on Equity (ROE) | -9.6434% | 7,017 |
| Retained earnings to average equity (ytd only) | -9.6434% | 6,850 |
| Net charge-offs to loans | 0.1882% | 3,374 |
| Credit loss provision to net charge-offs | 571.4286% | 651 |
| Earnings coverage of net charge-offs (x) | -3.6381% | 5,002 |
| Efficiency ratio | 115.4343% | 403 |
| Assets per employee ($millions) | 3.5444% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8284% | 478 |
| Loan loss allowance to noncurrent loans | 28.8695% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 20.3958% | 61 |
| Noncurrent loans to loans | 13.2610% | 213 |
| Net loans and leases to total assets | 60.1085% | 4,238 |
| Net loans and leases to deposits | 66.4891% | 4,897 |
| Net loans and leases to core deposits | 75.3892% | 4,368 |
| Total domestic deposits to total assets | 90.4035% | 893 |
| Equity capital to assets | 9.2196% | 4,845 |
| Core capital (leverage) ratio | 7.9079% | 6,357 |
| Tier 1 risk-based capital ratio | 9.6675% | 7,106 |
| Total risk-based capital ratio | 10.9382% | 7,111 |
| Memoranda: | ||
| Average total assets | $357,998,500 | 1,837 |
| Average earning assets | $268,758,000 | 2,208 |
| Average equity | $33,059,000 | 1,990 |
| Average total loans | $223,112,000 | 1,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 4,768 |
| Cost of funding earning assets | 1.8040% | 1,159 |
| Net interest margin | 3.1506% | 6,388 |
| Noninterest income to average assets | 0.5818% | 3,581 |
| Noninterest expense to average assets | 3.0024% | 3,843 |
| Loan and lease loss provision to assets | 2.7041% | 390 |
| Net operating income to assets | -1.5796% | 6,931 |
| Return on assets (ROA) | -1.5796% | 6,955 |
| Pretax return on assets | -2.6143% | 7,201 |
| Return on Equity (ROE) | -15.5242% | 6,938 |
| Retained earnings to average equity (ytd only) | -15.5242% | 6,900 |
| Net charge-offs to loans | 2.9133% | 582 |
| Credit loss provision to net charge-offs | 144.7715% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.0481% | 6,067 |
| Efficiency ratio | 97.0957% | 914 |
| Assets per employee ($millions) | 3.6156% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5542% | 577 |
| Loan loss allowance to noncurrent loans | 24.7352% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 21.3613% | 54 |
| Noncurrent loans to loans | 14.3689% | 185 |
| Net loans and leases to total assets | 59.9376% | 4,694 |
| Net loans and leases to deposits | 66.3351% | 5,358 |
| Net loans and leases to core deposits | 77.5209% | 4,516 |
| Total domestic deposits to total assets | 90.3559% | 906 |
| Equity capital to assets | 9.2489% | 4,756 |
| Core capital (leverage) ratio | 7.8803% | 6,343 |
| Tier 1 risk-based capital ratio | 9.7882% | 7,056 |
| Total risk-based capital ratio | 11.0561% | 7,043 |
| Memoranda: | ||
| Average total assets | $381,932,400 | 1,721 |
| Average earning assets | $304,323,600 | 1,953 |
| Average equity | $38,861,800 | 1,698 |
| Average total loans | $244,877,200 | 1,786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 3,086 |
| Cost of funding earning assets | 1.8335% | 1,287 |
| Net interest margin | 3.5240% | 5,207 |
| Noninterest income to average assets | 0.3266% | 5,546 |
| Noninterest expense to average assets | 2.6147% | 5,265 |
| Loan and lease loss provision to assets | 0.2584% | 4,517 |
| Net operating income to assets | 0.2970% | 5,180 |
| Return on assets (ROA) | 0.2970% | 5,345 |
| Pretax return on assets | 0.2966% | 5,522 |
| Return on Equity (ROE) | 2.8577% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.8577% | 4,423 |
| Net charge-offs to loans | 0.2662% | 4,352 |
| Credit loss provision to net charge-offs | 150.3006% | 2,591 |
| Earnings coverage of net charge-offs (x) | 3.2284% | 3,534 |
| Efficiency ratio | 82.4910% | 2,009 |
| Assets per employee ($millions) | 3.5173% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 1,948 |
| Loan loss allowance to noncurrent loans | 23.0284% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 18.3672% | 85 |
| Noncurrent loans to loans | 9.2138% | 507 |
| Net loans and leases to total assets | 62.9896% | 4,325 |
| Net loans and leases to deposits | 71.2934% | 4,948 |
| Net loans and leases to core deposits | 83.8490% | 3,967 |
| Total domestic deposits to total assets | 88.3527% | 1,761 |
| Equity capital to assets | 11.0795% | 2,876 |
| Core capital (leverage) ratio | 10.6192% | 2,582 |
| Tier 1 risk-based capital ratio | 12.8522% | 4,689 |
| Total risk-based capital ratio | 14.1065% | 4,676 |
| Memoranda: | ||
| Average total assets | $387,026,500 | 1,724 |
| Average earning assets | $312,248,000 | 1,931 |
| Average equity | $40,217,250 | 1,655 |
| Average total loans | $249,923,000 | 1,786 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 1,979 |
| Cost of funding earning assets | 1.8637% | 1,361 |
| Net interest margin | 3.7772% | 4,006 |
| Noninterest income to average assets | 0.3146% | 5,643 |
| Noninterest expense to average assets | 2.7598% | 4,663 |
| Loan and lease loss provision to assets | 0.2290% | 4,619 |
| Net operating income to assets | 0.2565% | 5,349 |
| Return on assets (ROA) | 0.2565% | 5,490 |
| Pretax return on assets | 0.4174% | 5,169 |
| Return on Equity (ROE) | 2.5211% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.5211% | 4,551 |
| Net charge-offs to loans | 0.2827% | 3,925 |
| Credit loss provision to net charge-offs | 125.3482% | 3,220 |
| Earnings coverage of net charge-offs (x) | 3.5376% | 3,284 |
| Efficiency ratio | 81.0221% | 2,296 |
| Assets per employee ($millions) | 3.6777% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 2,196 |
| Loan loss allowance to noncurrent loans | 19.6065% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 16.9781% | 94 |
| Noncurrent loans to loans | 10.1781% | 432 |
| Net loans and leases to total assets | 61.5148% | 4,776 |
| Net loans and leases to deposits | 69.0121% | 5,413 |
| Net loans and leases to core deposits | 84.5094% | 4,068 |
| Total domestic deposits to total assets | 89.1363% | 1,358 |
| Equity capital to assets | 10.3576% | 3,579 |
| Core capital (leverage) ratio | 10.2354% | 2,906 |
| Tier 1 risk-based capital ratio | 12.4952% | 4,866 |
| Total risk-based capital ratio | 13.7487% | 4,839 |
| Memoranda: | ||
| Average total assets | $392,928,330 | 1,715 |
| Average earning assets | $321,614,670 | 1,883 |
| Average equity | $39,983,330 | 1,665 |
| Average total loans | $254,005,000 | 1,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 5,176 |
| Cost of funding earning assets | 1.9385% | 1,292 |
| Net interest margin | 3.0263% | 6,774 |
| Noninterest income to average assets | 0.2961% | 5,776 |
| Noninterest expense to average assets | 2.3839% | 6,150 |
| Loan and lease loss provision to assets | 0.2971% | 3,661 |
| Net operating income to assets | 0.1055% | 6,011 |
| Return on assets (ROA) | 0.1055% | 6,115 |
| Pretax return on assets | 0.1115% | 6,103 |
| Return on Equity (ROE) | 1.0456% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.0456% | 5,395 |
| Net charge-offs to loans | -0.8660% | 7,844 |
| Credit loss provision to net charge-offs | -52.3214% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3667% | 1,866 |
| Assets per employee ($millions) | 3.6373% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 1,678 |
| Loan loss allowance to noncurrent loans | 20.1456% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 16.2108% | 111 |
| Noncurrent loans to loans | 11.1156% | 350 |
| Net loans and leases to total assets | 62.7350% | 4,606 |
| Net loans and leases to deposits | 70.1387% | 5,326 |
| Net loans and leases to core deposits | 87.1470% | 3,724 |
| Total domestic deposits to total assets | 89.4443% | 1,270 |
| Equity capital to assets | 10.1377% | 3,687 |
| Core capital (leverage) ratio | 10.1835% | 2,949 |
| Tier 1 risk-based capital ratio | 12.2722% | 4,923 |
| Total risk-based capital ratio | 13.5283% | 4,887 |
| Memoranda: | ||
| Average total assets | $394,473,500 | 1,749 |
| Average earning assets | $325,409,000 | 1,921 |
| Average equity | $39,786,000 | 1,690 |
| Average total loans | $258,662,000 | 1,813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 6,944 |
| Cost of funding earning assets | 2.4633% | 1,110 |
| Net interest margin | 2.3409% | 7,553 |
| Noninterest income to average assets | 0.2980% | 5,966 |
| Noninterest expense to average assets | 2.8728% | 4,645 |
| Loan and lease loss provision to assets | 1.5825% | 1,451 |
| Net operating income to assets | -1.2701% | 6,747 |
| Return on assets (ROA) | -1.2701% | 6,752 |
| Pretax return on assets | -2.0858% | 6,974 |
| Return on Equity (ROE) | -12.0456% | 6,770 |
| Retained earnings to average equity (ytd only) | -12.7090% | 6,737 |
| Net charge-offs to loans | 1.8610% | 1,342 |
| Credit loss provision to net charge-offs | 125.7965% | 4,154 |
| Earnings coverage of net charge-offs (x) | -0.4001% | 6,628 |
| Efficiency ratio | 121.2404% | 587 |
| Assets per employee ($millions) | 3.5686% | 4,850 |
| Cash dividends to net income (ytd only)* | -5.5077% | 7,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,520 |
| Loan loss allowance to noncurrent loans | 12.8060% | 7,315 |
| Noncurrent assets plus other real estate owned to assets | 15.9544% | 117 |
| Noncurrent loans to loans | 14.1081% | 205 |
| Net loans and leases to total assets | 65.7495% | 4,218 |
| Net loans and leases to deposits | 73.6386% | 5,099 |
| Net loans and leases to core deposits | 143.3474% | 696 |
| Total domestic deposits to total assets | 89.2868% | 1,339 |
| Equity capital to assets | 10.0344% | 3,709 |
| Core capital (leverage) ratio | 9.8197% | 3,302 |
| Tier 1 risk-based capital ratio | 11.9423% | 4,997 |
| Total risk-based capital ratio | 13.1946% | 4,945 |
| Memoranda: | ||
| Average total assets | $411,685,800 | 1,676 |
| Average earning assets | $364,304,600 | 1,727 |
| Average equity | $43,410,200 | 1,545 |
| Average total loans | $278,296,000 | 1,731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 6,527 |
| Cost of funding earning assets | 2.5772% | 1,083 |
| Net interest margin | 2.4492% | 7,513 |
| Noninterest income to average assets | 0.2846% | 6,197 |
| Noninterest expense to average assets | 2.5804% | 5,781 |
| Loan and lease loss provision to assets | 0.9593% | 2,003 |
| Net operating income to assets | -0.6744% | 6,581 |
| Return on assets (ROA) | -0.6744% | 6,591 |
| Pretax return on assets | -1.0639% | 6,729 |
| Return on Equity (ROE) | -6.3227% | 6,586 |
| Retained earnings to average equity (ytd only) | -7.1890% | 6,527 |
| Net charge-offs to loans | 0.9059% | 2,160 |
| Credit loss provision to net charge-offs | 156.2990% | 3,048 |
| Earnings coverage of net charge-offs (x) | -0.1704% | 6,257 |
| Efficiency ratio | 104.2244% | 911 |
| Assets per employee ($millions) | 3.6404% | 4,574 |
| Cash dividends to net income (ytd only)* | -13.7012% | 7,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 2,816 |
| Loan loss allowance to noncurrent loans | 22.3874% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 9.7823% | 360 |
| Noncurrent loans to loans | 7.3623% | 708 |
| Net loans and leases to total assets | 66.3408% | 4,343 |
| Net loans and leases to deposits | 75.8594% | 5,073 |
| Net loans and leases to core deposits | 148.9668% | 604 |
| Total domestic deposits to total assets | 87.4523% | 1,920 |
| Equity capital to assets | 10.5157% | 3,494 |
| Core capital (leverage) ratio | 10.2025% | 3,065 |
| Tier 1 risk-based capital ratio | 12.6791% | 4,408 |
| Total risk-based capital ratio | 13.9300% | 4,361 |
| Memoranda: | ||
| Average total assets | $415,578,000 | 1,677 |
| Average earning assets | $371,813,500 | 1,704 |
| Average equity | $44,325,750 | 1,532 |
| Average total loans | $281,560,750 | 1,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 6,373 |
| Cost of funding earning assets | 2.6753% | 1,092 |
| Net interest margin | 2.4398% | 7,539 |
| Noninterest income to average assets | 0.2951% | 6,145 |
| Noninterest expense to average assets | 2.4735% | 6,209 |
| Loan and lease loss provision to assets | 0.5619% | 2,775 |
| Net operating income to assets | -0.2822% | 6,309 |
| Return on assets (ROA) | -0.2822% | 6,323 |
| Pretax return on assets | -0.5399% | 6,464 |
| Return on Equity (ROE) | -2.6334% | 6,317 |
| Retained earnings to average equity (ytd only) | -3.9188% | 6,120 |
| Net charge-offs to loans | 0.6936% | 2,315 |
| Credit loss provision to net charge-offs | 119.4106% | 3,892 |
| Earnings coverage of net charge-offs (x) | 0.0467% | 5,630 |
| Efficiency ratio | 99.1184% | 1,216 |
| Assets per employee ($millions) | 3.7382% | 4,235 |
| Cash dividends to net income (ytd only)* | -48.8136% | 8,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 4,383 |
| Loan loss allowance to noncurrent loans | 37.5708% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 6.3193% | 742 |
| Noncurrent loans to loans | 3.4129% | 2,066 |
| Net loans and leases to total assets | 66.4676% | 4,466 |
| Net loans and leases to deposits | 75.0624% | 5,308 |
| Net loans and leases to core deposits | 154.2257% | 555 |
| Total domestic deposits to total assets | 88.5497% | 1,508 |
| Equity capital to assets | 10.5076% | 3,394 |
| Core capital (leverage) ratio | 10.4938% | 2,821 |
| Tier 1 risk-based capital ratio | 12.8098% | 4,284 |
| Total risk-based capital ratio | 13.8623% | 4,349 |
| Memoranda: | ||
| Average total assets | $418,195,670 | 1,692 |
| Average earning assets | $377,156,330 | 1,715 |
| Average equity | $44,809,330 | 1,528 |
| Average total loans | $283,740,670 | 1,741 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 6,862 |
| Cost of funding earning assets | 2.7491% | 1,113 |
| Net interest margin | 2.2788% | 7,735 |
| Noninterest income to average assets | 0.2336% | 6,595 |
| Noninterest expense to average assets | 2.4370% | 6,067 |
| Loan and lease loss provision to assets | 0.2163% | 4,285 |
| Net operating income to assets | -0.1913% | 6,543 |
| Return on assets (ROA) | -0.1913% | 6,626 |
| Pretax return on assets | -0.3422% | 6,704 |
| Return on Equity (ROE) | -1.7681% | 6,635 |
| Retained earnings to average equity (ytd only) | -4.3269% | 6,466 |
| Net charge-offs to loans | 0.0155% | 5,365 |
| Credit loss provision to net charge-offs | 2,045.4545% | 309 |
| Earnings coverage of net charge-offs (x) | -11.9091% | 5,630 |
| Efficiency ratio | 105.4493% | 938 |
| Assets per employee ($millions) | 3.7778% | 4,151 |
| Cash dividends to net income (ytd only)* | -144.7236% | 8,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,274 |
| Loan loss allowance to noncurrent loans | 23.5649% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 5.5666% | 757 |
| Noncurrent loans to loans | 5.3913% | 978 |
| Net loans and leases to total assets | 69.2608% | 3,858 |
| Net loans and leases to deposits | 78.5440% | 4,842 |
| Net loans and leases to core deposits | 160.1152% | 488 |
| Total domestic deposits to total assets | 88.1808% | 1,657 |
| Equity capital to assets | 10.8743% | 3,101 |
| Core capital (leverage) ratio | 10.7850% | 2,667 |
| Tier 1 risk-based capital ratio | 13.1137% | 4,109 |
| Total risk-based capital ratio | 14.1885% | 4,148 |
| Memoranda: | ||
| Average total assets | $416,084,500 | 1,708 |
| Average earning assets | $379,323,000 | 1,712 |
| Average equity | $45,021,000 | 1,528 |
| Average total loans | $283,402,000 | 1,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9145% | 5,964 |
| Cost of funding earning assets | 3.2252% | 1,111 |
| Net interest margin | 2.6893% | 7,511 |
| Noninterest income to average assets | 0.2440% | 6,699 |
| Noninterest expense to average assets | 2.1698% | 7,056 |
| Loan and lease loss provision to assets | 0.2049% | 4,839 |
| Net operating income to assets | 0.2108% | 5,816 |
| Return on assets (ROA) | 0.2108% | 5,636 |
| Pretax return on assets | 0.3255% | 5,457 |
| Return on Equity (ROE) | 1.9271% | 5,641 |
| Retained earnings to average equity (ytd only) | 0.8892% | 4,699 |
| Net charge-offs to loans | 0.1218% | 5,024 |
| Credit loss provision to net charge-offs | 267.4051% | 1,726 |
| Earnings coverage of net charge-offs (x) | 6.9209% | 3,238 |
| Efficiency ratio | 80.3575% | 2,544 |
| Assets per employee ($millions) | 3.8568% | 3,839 |
| Cash dividends to net income (ytd only)* | 53.8550% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 4,208 |
| Loan loss allowance to noncurrent loans | 17.8126% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 5.4307% | 604 |
| Noncurrent loans to loans | 6.9808% | 436 |
| Net loans and leases to total assets | 65.2910% | 4,990 |
| Net loans and leases to deposits | 74.3771% | 5,800 |
| Net loans and leases to core deposits | 142.0345% | 1,159 |
| Total domestic deposits to total assets | 87.7837% | 1,564 |
| Equity capital to assets | 10.7672% | 3,234 |
| Core capital (leverage) ratio | 10.7788% | 2,760 |
| Tier 1 risk-based capital ratio | 13.4765% | 3,836 |
| Total risk-based capital ratio | 14.5055% | 3,873 |
| Memoranda: | ||
| Average total assets | $412,333,600 | 1,647 |
| Average earning assets | $376,600,400 | 1,648 |
| Average equity | $45,094,400 | 1,499 |
| Average total loans | $259,470,400 | 1,840 |