Home > Sterling Federal Bank, F.S.B. > Performance and Condition Ratios
Sterling Federal Bank, F.S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 2,883 |
| Cost of funding earning assets | 1.3259% | 2,438 |
| Net interest margin | 3.2779% | 2,686 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.2256% | 807 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.2163% | 4,147 |
| Return on assets (ROA) | 0.1959% | 4,185 |
| Pretax return on assets | 0.2361% | 4,156 |
| Return on Equity (ROE) | 3.0700% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.0737% | 3,254 |
| Net charge-offs to loans | 0.0888% | 986 |
| Credit loss provision to net charge-offs | 247.2325% | 1,076 |
| Earnings coverage of net charge-offs (x) | 7.1365% | 2,427 |
| Efficiency ratio | 89.0151% | 445 |
| Assets per employee ($millions) | 5.3841% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,668 |
| Loan loss allowance to noncurrent loans | 71.2158% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 457 |
| Noncurrent loans to loans | 1.5855% | 415 |
| Net loans and leases to total assets | 64.6800% | 2,404 |
| Net loans and leases to deposits | 82.3949% | 1,917 |
| Net loans and leases to core deposits | 89.3711% | 2,097 |
| Total domestic deposits to total assets | 78.5000% | 3,670 |
| Equity capital to assets | 6.5507% | 4,096 |
| Core capital (leverage) ratio | 8.8615% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0812% | 2,215 |
| Memoranda: | ||
| Average total assets | $485,867,000 | 1,759 |
| Average earning assets | $433,905,800 | 1,800 |
| Average equity | $30,972,000 | 2,222 |
| Average total loans | $305,016,800 | 1,771 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 3,092 |
| Cost of funding earning assets | 1.1574% | 2,573 |
| Net interest margin | 3.2466% | 2,810 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 3.3197% | 705 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.1811% | 4,249 |
| Return on assets (ROA) | 0.1521% | 4,290 |
| Pretax return on assets | 0.1741% | 4,283 |
| Return on Equity (ROE) | 2.4000% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.4039% | 3,649 |
| Net charge-offs to loans | 0.1174% | 685 |
| Credit loss provision to net charge-offs | 174.4275% | 1,213 |
| Earnings coverage of net charge-offs (x) | 4.5916% | 2,390 |
| Efficiency ratio | 90.8454% | 351 |
| Assets per employee ($millions) | 5.0801% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 3,959 |
| Loan loss allowance to noncurrent loans | 54.0294% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 537 |
| Noncurrent loans to loans | 1.5005% | 487 |
| Net loans and leases to total assets | 64.7500% | 2,366 |
| Net loans and leases to deposits | 79.3446% | 2,109 |
| Net loans and leases to core deposits | 85.9944% | 2,188 |
| Total domestic deposits to total assets | 81.6100% | 3,293 |
| Equity capital to assets | 5.8017% | 4,050 |
| Core capital (leverage) ratio | 8.8976% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3070% | 2,157 |
| Memoranda: | ||
| Average total assets | $479,462,000 | 1,778 |
| Average earning assets | $427,262,250 | 1,818 |
| Average equity | $30,338,500 | 2,239 |
| Average total loans | $297,622,250 | 1,801 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 3,214 |
| Cost of funding earning assets | 0.9395% | 2,805 |
| Net interest margin | 3.2978% | 2,752 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.3539% | 644 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.2051% | 4,270 |
| Return on assets (ROA) | 0.1499% | 4,364 |
| Pretax return on assets | 0.1705% | 4,350 |
| Return on Equity (ROE) | 2.3000% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.3026% | 3,646 |
| Net charge-offs to loans | 0.1837% | 432 |
| Credit loss provision to net charge-offs | 104.5113% | 1,410 |
| Earnings coverage of net charge-offs (x) | 3.1278% | 2,274 |
| Efficiency ratio | 90.5433% | 339 |
| Assets per employee ($millions) | 4.7965% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 4,034 |
| Loan loss allowance to noncurrent loans | 57.0320% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 556 |
| Noncurrent loans to loans | 1.3957% | 499 |
| Net loans and leases to total assets | 62.3900% | 2,540 |
| Net loans and leases to deposits | 76.1866% | 2,293 |
| Net loans and leases to core deposits | 80.0581% | 2,469 |
| Total domestic deposits to total assets | 81.8900% | 3,253 |
| Equity capital to assets | 6.5017% | 3,994 |
| Core capital (leverage) ratio | 9.1426% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7403% | 2,008 |
| Memoranda: | ||
| Average total assets | $475,025,333 | 1,788 |
| Average earning assets | $422,582,333 | 1,834 |
| Average equity | $30,921,667 | 2,226 |
| Average total loans | $289,601,333 | 1,823 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,184 |
| Cost of funding earning assets | 0.8304% | 2,597 |
| Net interest margin | 3.3005% | 2,872 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 3.5134% | 529 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.0797% | 4,440 |
| Return on assets (ROA) | -0.0170% | 4,485 |
| Pretax return on assets | -0.0629% | 4,491 |
| Return on Equity (ROE) | -0.2600% | 4,459 |
| Retained earnings to average equity (ytd only) | -0.2611% | 4,057 |
| Net charge-offs to loans | 0.0752% | 701 |
| Credit loss provision to net charge-offs | 186.7925% | 855 |
| Earnings coverage of net charge-offs (x) | 3.1887% | 1,895 |
| Efficiency ratio | 96.0698% | 220 |
| Assets per employee ($millions) | 4.7256% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 3,969 |
| Loan loss allowance to noncurrent loans | 55.6461% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 409 |
| Noncurrent loans to loans | 1.5383% | 422 |
| Net loans and leases to total assets | 60.2700% | 2,620 |
| Net loans and leases to deposits | 70.6244% | 2,561 |
| Net loans and leases to core deposits | 73.9167% | 2,681 |
| Total domestic deposits to total assets | 85.3400% | 2,761 |
| Equity capital to assets | 6.7800% | 3,921 |
| Core capital (leverage) ratio | 9.2244% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2401% | 1,889 |
| Memoranda: | ||
| Average total assets | $470,315,000 | 1,816 |
| Average earning assets | $416,658,000 | 1,878 |
| Average equity | $30,634,000 | 2,265 |
| Average total loans | $282,075,000 | 1,874 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 2,655 |
| Cost of funding earning assets | 0.3700% | 2,328 |
| Net interest margin | 3.2808% | 2,621 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.1429% | 785 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.4710% | 4,135 |
| Return on assets (ROA) | 0.4391% | 4,154 |
| Pretax return on assets | 0.5793% | 4,066 |
| Return on Equity (ROE) | 6.3400% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.3423% | 2,514 |
| Net charge-offs to loans | -0.0130% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.3030% | 580 |
| Assets per employee ($millions) | 4.5006% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 3,866 |
| Loan loss allowance to noncurrent loans | 54.0789% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 427 |
| Noncurrent loans to loans | 1.6115% | 401 |
| Net loans and leases to total assets | 58.6400% | 2,766 |
| Net loans and leases to deposits | 66.9123% | 2,825 |
| Net loans and leases to core deposits | 69.6775% | 2,900 |
| Total domestic deposits to total assets | 87.6400% | 2,195 |
| Equity capital to assets | 6.2444% | 4,001 |
| Core capital (leverage) ratio | 9.3444% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6053% | 1,762 |
| Memoranda: | ||
| Average total assets | $468,477,200 | 1,807 |
| Average earning assets | $418,927,000 | 1,853 |
| Average equity | $32,432,800 | 2,225 |
| Average total loans | $262,264,800 | 1,885 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 2,500 |
| Cost of funding earning assets | 0.3193% | 1,963 |
| Net interest margin | 3.2170% | 2,578 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 3.1268% | 749 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4555% | 4,161 |
| Return on assets (ROA) | 0.4467% | 4,116 |
| Pretax return on assets | 0.5904% | 4,008 |
| Return on Equity (ROE) | 6.3000% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.2986% | 2,635 |
| Net charge-offs to loans | 0.0067% | 1,909 |
| Credit loss provision to net charge-offs | 1,884.6154% | 263 |
| Earnings coverage of net charge-offs (x) | 181.4615% | 659 |
| Efficiency ratio | 82.3269% | 637 |
| Assets per employee ($millions) | 4.5964% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 3,958 |
| Loan loss allowance to noncurrent loans | 52.8472% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 443 |
| Noncurrent loans to loans | 1.6323% | 410 |
| Net loans and leases to total assets | 58.1300% | 2,681 |
| Net loans and leases to deposits | 64.1396% | 2,857 |
| Net loans and leases to core deposits | 66.7316% | 2,898 |
| Total domestic deposits to total assets | 90.6300% | 1,394 |
| Equity capital to assets | 5.6152% | 4,095 |
| Core capital (leverage) ratio | 9.1249% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7406% | 1,794 |
| Memoranda: | ||
| Average total assets | $468,580,000 | 1,816 |
| Average earning assets | $420,045,500 | 1,858 |
| Average equity | $33,234,000 | 2,219 |
| Average total loans | $258,610,000 | 1,903 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 2,452 |
| Cost of funding earning assets | 0.2911% | 1,795 |
| Net interest margin | 3.1044% | 2,521 |
| Noninterest income to average assets | 0.7451% | 1,185 |
| Noninterest expense to average assets | 3.0717% | 761 |
| Loan and lease loss provision to assets | 0.0868% | 1,137 |
| Net operating income to assets | 0.3012% | 4,286 |
| Return on assets (ROA) | 0.2915% | 4,253 |
| Pretax return on assets | 0.3698% | 4,205 |
| Return on Equity (ROE) | 3.8459% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.8459% | 3,145 |
| Net charge-offs to loans | 0.0157% | 1,439 |
| Credit loss provision to net charge-offs | 1,020.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 55.1000% | 1,117 |
| Efficiency ratio | 86.7564% | 549 |
| Assets per employee ($millions) | 4.6380% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,056 |
| Loan loss allowance to noncurrent loans | 77.1036% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 860 |
| Noncurrent loans to loans | 1.1205% | 733 |
| Net loans and leases to total assets | 56.3417% | 2,718 |
| Net loans and leases to deposits | 63.5090% | 2,768 |
| Net loans and leases to core deposits | 66.2736% | 2,797 |
| Total domestic deposits to total assets | 88.7145% | 2,290 |
| Equity capital to assets | 6.3472% | 4,081 |
| Core capital (leverage) ratio | 8.8567% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6587% | 1,814 |
| Memoranda: | ||
| Average total assets | $470,027,333 | 1,817 |
| Average earning assets | $423,273,000 | 1,869 |
| Average equity | $35,622,667 | 2,177 |
| Average total loans | $254,082,000 | 1,928 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 2,642 |
| Cost of funding earning assets | 0.2919% | 1,732 |
| Net interest margin | 2.9223% | 2,760 |
| Noninterest income to average assets | 0.7850% | 1,079 |
| Noninterest expense to average assets | 3.0916% | 697 |
| Loan and lease loss provision to assets | 0.0484% | 1,501 |
| Net operating income to assets | 0.2287% | 4,286 |
| Return on assets (ROA) | 0.2260% | 4,254 |
| Pretax return on assets | 0.2787% | 4,217 |
| Return on Equity (ROE) | 2.7588% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.7588% | 3,343 |
| Net charge-offs to loans | 0.0274% | 1,045 |
| Credit loss provision to net charge-offs | 335.2941% | 631 |
| Earnings coverage of net charge-offs (x) | 22.8824% | 1,235 |
| Efficiency ratio | 90.3426% | 531 |
| Assets per employee ($millions) | 4.8826% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 4,178 |
| Loan loss allowance to noncurrent loans | 85.2790% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 1,077 |
| Noncurrent loans to loans | 0.9832% | 924 |
| Net loans and leases to total assets | 54.3721% | 2,707 |
| Net loans and leases to deposits | 59.9249% | 2,911 |
| Net loans and leases to core deposits | 62.6089% | 2,922 |
| Total domestic deposits to total assets | 90.7337% | 1,167 |
| Equity capital to assets | 7.4008% | 3,989 |
| Core capital (leverage) ratio | 8.7154% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7328% | 1,907 |
| Memoranda: | ||
| Average total assets | $470,820,000 | 1,826 |
| Average earning assets | $424,867,500 | 1,872 |
| Average equity | $38,567,500 | 2,107 |
| Average total loans | $248,009,000 | 1,947 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1033% | 3,679 |
| Cost of funding earning assets | 0.3982% | 1,555 |
| Net interest margin | 2.7051% | 3,862 |
| Noninterest income to average assets | 0.8611% | 1,302 |
| Noninterest expense to average assets | 3.1345% | 806 |
| Loan and lease loss provision to assets | 0.0124% | 2,835 |
| Net operating income to assets | 0.1383% | 4,587 |
| Return on assets (ROA) | 0.2882% | 4,458 |
| Pretax return on assets | 0.3642% | 4,427 |
| Return on Equity (ROE) | 3.3210% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.3210% | 3,487 |
| Net charge-offs to loans | 0.0473% | 1,351 |
| Credit loss provision to net charge-offs | 53.5714% | 2,112 |
| Earnings coverage of net charge-offs (x) | 8.0982% | 2,317 |
| Efficiency ratio | 94.3780% | 227 |
| Assets per employee ($millions) | 4.7291% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,098 |
| Loan loss allowance to noncurrent loans | 79.4515% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 1,155 |
| Noncurrent loans to loans | 1.1138% | 871 |
| Net loans and leases to total assets | 50.0919% | 3,263 |
| Net loans and leases to deposits | 55.9352% | 3,425 |
| Net loans and leases to core deposits | 58.2352% | 3,454 |
| Total domestic deposits to total assets | 89.5533% | 1,205 |
| Equity capital to assets | 8.9753% | 3,646 |
| Core capital (leverage) ratio | 8.5442% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4492% | 1,697 |
| Memoranda: | ||
| Average total assets | $485,756,800 | 1,731 |
| Average earning assets | $441,752,200 | 1,757 |
| Average equity | $42,156,200 | 2,011 |
| Average total loans | $236,785,400 | 2,009 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0818% | 3,853 |
| Cost of funding earning assets | 0.4236% | 1,532 |
| Net interest margin | 2.6582% | 4,039 |
| Noninterest income to average assets | 0.8120% | 1,485 |
| Noninterest expense to average assets | 3.2018% | 708 |
| Loan and lease loss provision to assets | 0.0057% | 2,860 |
| Net operating income to assets | 0.0219% | 4,733 |
| Return on assets (ROA) | 0.2282% | 4,626 |
| Pretax return on assets | 0.2806% | 4,606 |
| Return on Equity (ROE) | 2.6518% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.6518% | 4,018 |
| Net charge-offs to loans | 0.0412% | 1,271 |
| Credit loss provision to net charge-offs | 28.7671% | 1,957 |
| Earnings coverage of net charge-offs (x) | 1.5890% | 2,372 |
| Efficiency ratio | 99.0218% | 166 |
| Assets per employee ($millions) | 4.7767% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,204 |
| Loan loss allowance to noncurrent loans | 81.8182% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 1,348 |
| Noncurrent loans to loans | 1.0762% | 1,053 |
| Net loans and leases to total assets | 49.3474% | 3,486 |
| Net loans and leases to deposits | 55.7363% | 3,602 |
| Net loans and leases to core deposits | 58.0204% | 3,628 |
| Total domestic deposits to total assets | 88.5373% | 1,549 |
| Equity capital to assets | 8.7599% | 4,029 |
| Core capital (leverage) ratio | 8.2801% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5039% | 1,794 |
| Memoranda: | ||
| Average total assets | $488,969,250 | 1,743 |
| Average earning assets | $445,402,250 | 1,773 |
| Average equity | $42,084,000 | 2,038 |
| Average total loans | $236,231,000 | 2,052 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0400% | 3,972 |
| Cost of funding earning assets | 0.4555% | 1,482 |
| Net interest margin | 2.5846% | 4,190 |
| Noninterest income to average assets | 0.7065% | 1,784 |
| Noninterest expense to average assets | 3.1624% | 765 |
| Loan and lease loss provision to assets | 0.0081% | 2,752 |
| Net operating income to assets | -0.0874% | 4,799 |
| Return on assets (ROA) | 0.2195% | 4,629 |
| Pretax return on assets | 0.2671% | 4,619 |
| Return on Equity (ROE) | 2.5652% | 4,540 |
| Retained earnings to average equity (ytd only) | 2.5652% | 3,978 |
| Net charge-offs to loans | 0.0690% | 939 |
| Credit loss provision to net charge-offs | 24.6914% | 1,718 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 2,221 |
| Efficiency ratio | 103.2301% | 142 |
| Assets per employee ($millions) | 4.6905% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,235 |
| Loan loss allowance to noncurrent loans | 74.3472% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 1,319 |
| Noncurrent loans to loans | 1.1703% | 1,033 |
| Net loans and leases to total assets | 49.6867% | 3,584 |
| Net loans and leases to deposits | 55.9964% | 3,710 |
| Net loans and leases to core deposits | 58.4736% | 3,730 |
| Total domestic deposits to total assets | 88.7320% | 1,427 |
| Equity capital to assets | 8.6736% | 4,073 |
| Core capital (leverage) ratio | 8.0561% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0253% | 1,620 |
| Memoranda: | ||
| Average total assets | $491,142,000 | 1,733 |
| Average earning assets | $447,889,667 | 1,767 |
| Average equity | $42,024,667 | 2,031 |
| Average total loans | $234,910,667 | 2,064 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9980% | 4,089 |
| Cost of funding earning assets | 0.5128% | 1,317 |
| Net interest margin | 2.4852% | 4,318 |
| Noninterest income to average assets | 0.7351% | 1,762 |
| Noninterest expense to average assets | 2.9155% | 1,123 |
| Loan and lease loss provision to assets | 0.0162% | 2,563 |
| Net operating income to assets | 0.0751% | 4,731 |
| Return on assets (ROA) | 0.0913% | 4,730 |
| Pretax return on assets | 0.0864% | 4,736 |
| Return on Equity (ROE) | 1.0740% | 4,701 |
| Retained earnings to average equity (ytd only) | 1.0740% | 4,197 |
| Net charge-offs to loans | -0.0121% | 3,751 |
| Credit loss provision to net charge-offs | -285.7143% | 3,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1206% | 228 |
| Assets per employee ($millions) | 4.9308% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 4,017 |
| Loan loss allowance to noncurrent loans | 60.1865% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 1,215 |
| Noncurrent loans to loans | 1.5794% | 771 |
| Net loans and leases to total assets | 45.4767% | 4,002 |
| Net loans and leases to deposits | 53.2948% | 3,986 |
| Net loans and leases to core deposits | 55.8931% | 3,981 |
| Total domestic deposits to total assets | 85.3305% | 2,984 |
| Equity capital to assets | 8.2178% | 4,347 |
| Core capital (leverage) ratio | 7.9266% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9552% | 1,580 |
| Memoranda: | ||
| Average total assets | $495,152,500 | 1,716 |
| Average earning assets | $451,637,500 | 1,739 |
| Average equity | $42,085,000 | 2,020 |
| Average total loans | $231,289,000 | 2,089 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 4,273 |
| Cost of funding earning assets | 0.7594% | 1,398 |
| Net interest margin | 2.5841% | 4,519 |
| Noninterest income to average assets | 0.8326% | 1,446 |
| Noninterest expense to average assets | 3.1864% | 1,079 |
| Loan and lease loss provision to assets | 0.0551% | 3,682 |
| Net operating income to assets | -0.0593% | 4,763 |
| Return on assets (ROA) | 0.1476% | 4,672 |
| Pretax return on assets | 0.1615% | 4,673 |
| Return on Equity (ROE) | 1.6496% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.6496% | 3,973 |
| Net charge-offs to loans | 0.0447% | 2,172 |
| Credit loss provision to net charge-offs | 246.2264% | 1,954 |
| Earnings coverage of net charge-offs (x) | -0.4811% | 3,344 |
| Efficiency ratio | 100.3391% | 170 |
| Assets per employee ($millions) | 4.6415% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,088 |
| Loan loss allowance to noncurrent loans | 50.7847% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 1,031 |
| Noncurrent loans to loans | 1.8428% | 669 |
| Net loans and leases to total assets | 47.0888% | 4,045 |
| Net loans and leases to deposits | 55.6853% | 4,019 |
| Net loans and leases to core deposits | 58.6826% | 4,016 |
| Total domestic deposits to total assets | 84.5624% | 2,925 |
| Equity capital to assets | 8.7900% | 4,231 |
| Core capital (leverage) ratio | 8.1794% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5553% | 1,391 |
| Memoranda: | ||
| Average total assets | $473,599,400 | 1,630 |
| Average earning assets | $429,426,400 | 1,664 |
| Average equity | $42,374,800 | 1,930 |
| Average total loans | $236,974,400 | 1,988 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 4,251 |
| Cost of funding earning assets | 0.8145% | 1,422 |
| Net interest margin | 2.6594% | 4,514 |
| Noninterest income to average assets | 0.8425% | 1,370 |
| Noninterest expense to average assets | 3.1469% | 1,156 |
| Loan and lease loss provision to assets | 0.0559% | 3,652 |
| Net operating income to assets | 0.0471% | 4,740 |
| Return on assets (ROA) | 0.1282% | 4,700 |
| Pretax return on assets | 0.1336% | 4,702 |
| Return on Equity (ROE) | 1.4261% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.4261% | 4,104 |
| Net charge-offs to loans | 0.0532% | 1,844 |
| Credit loss provision to net charge-offs | 207.3684% | 2,085 |
| Earnings coverage of net charge-offs (x) | 3.8947% | 2,871 |
| Efficiency ratio | 96.7733% | 212 |
| Assets per employee ($millions) | 4.7330% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 4,072 |
| Loan loss allowance to noncurrent loans | 49.4505% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 1,183 |
| Noncurrent loans to loans | 1.8207% | 724 |
| Net loans and leases to total assets | 47.7520% | 4,225 |
| Net loans and leases to deposits | 59.5901% | 4,088 |
| Net loans and leases to core deposits | 62.7390% | 4,066 |
| Total domestic deposits to total assets | 80.1342% | 3,834 |
| Equity capital to assets | 8.8484% | 4,217 |
| Core capital (leverage) ratio | 8.0532% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6024% | 1,351 |
| Memoranda: | ||
| Average total assets | $470,158,750 | 1,618 |
| Average earning assets | $425,955,750 | 1,650 |
| Average equity | $42,258,750 | 1,924 |
| Average total loans | $238,302,750 | 1,980 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,189 |
| Cost of funding earning assets | 0.8476% | 1,613 |
| Net interest margin | 2.7952% | 4,460 |
| Noninterest income to average assets | 0.8403% | 1,314 |
| Noninterest expense to average assets | 2.9881% | 1,603 |
| Loan and lease loss provision to assets | 0.0724% | 3,398 |
| Net operating income to assets | 0.2444% | 4,515 |
| Return on assets (ROA) | 0.3450% | 4,400 |
| Pretax return on assets | 0.4324% | 4,369 |
| Return on Equity (ROE) | 3.8173% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.8173% | 3,004 |
| Net charge-offs to loans | 0.0543% | 1,713 |
| Credit loss provision to net charge-offs | 258.4615% | 1,728 |
| Earnings coverage of net charge-offs (x) | 13.5385% | 1,992 |
| Efficiency ratio | 88.7439% | 424 |
| Assets per employee ($millions) | 4.3956% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,166 |
| Loan loss allowance to noncurrent loans | 43.0344% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 971 |
| Noncurrent loans to loans | 1.9892% | 683 |
| Net loans and leases to total assets | 51.1509% | 4,084 |
| Net loans and leases to deposits | 64.0057% | 3,883 |
| Net loans and leases to core deposits | 67.5349% | 3,887 |
| Total domestic deposits to total assets | 79.9161% | 3,857 |
| Equity capital to assets | 8.9721% | 4,114 |
| Core capital (leverage) ratio | 8.2415% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9392% | 1,257 |
| Memoranda: | ||
| Average total assets | $464,378,333 | 1,611 |
| Average earning assets | $419,787,000 | 1,646 |
| Average equity | $41,966,333 | 1,920 |
| Average total loans | $239,435,000 | 1,960 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8106% | 4,211 |
| Cost of funding earning assets | 0.9180% | 1,774 |
| Net interest margin | 2.8926% | 4,439 |
| Noninterest income to average assets | 0.5584% | 2,236 |
| Noninterest expense to average assets | 2.9925% | 1,903 |
| Loan and lease loss provision to assets | 0.0359% | 3,324 |
| Net operating income to assets | 0.1409% | 4,609 |
| Return on assets (ROA) | 0.1322% | 4,621 |
| Pretax return on assets | 0.1304% | 4,637 |
| Return on Equity (ROE) | 1.4570% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.4570% | 3,613 |
| Net charge-offs to loans | 0.0238% | 1,890 |
| Credit loss provision to net charge-offs | 292.8571% | 1,200 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 1,604 |
| Efficiency ratio | 94.4736% | 366 |
| Assets per employee ($millions) | 4.4848% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,250 |
| Loan loss allowance to noncurrent loans | 64.2317% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 1,365 |
| Noncurrent loans to loans | 1.3386% | 1,212 |
| Net loans and leases to total assets | 50.9213% | 4,188 |
| Net loans and leases to deposits | 63.6330% | 4,001 |
| Net loans and leases to core deposits | 67.0998% | 4,028 |
| Total domestic deposits to total assets | 80.0235% | 3,855 |
| Equity capital to assets | 9.0923% | 4,540 |
| Core capital (leverage) ratio | 8.4768% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2887% | 1,531 |
| Memoranda: | ||
| Average total assets | $457,007,500 | 1,582 |
| Average earning assets | $412,219,500 | 1,629 |
| Average equity | $41,456,000 | 1,936 |
| Average total loans | $235,557,500 | 1,960 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 4,454 |
| Cost of funding earning assets | 0.9266% | 2,074 |
| Net interest margin | 2.9613% | 4,559 |
| Noninterest income to average assets | 0.6148% | 2,163 |
| Noninterest expense to average assets | 3.2639% | 1,377 |
| Loan and lease loss provision to assets | 0.1586% | 1,320 |
| Net operating income to assets | -0.0622% | 4,994 |
| Return on assets (ROA) | -0.0780% | 5,010 |
| Pretax return on assets | -0.1491% | 5,013 |
| Return on Equity (ROE) | -0.8633% | 5,012 |
| Retained earnings to average equity (ytd only) | -0.8633% | 4,798 |
| Net charge-offs to loans | 0.1874% | 1,080 |
| Credit loss provision to net charge-offs | 171.9048% | 1,510 |
| Earnings coverage of net charge-offs (x) | 0.3190% | 3,620 |
| Efficiency ratio | 99.1063% | 171 |
| Assets per employee ($millions) | 3.7990% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 4,120 |
| Loan loss allowance to noncurrent loans | 63.5331% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,420 |
| Noncurrent loans to loans | 1.3556% | 1,099 |
| Net loans and leases to total assets | 51.2824% | 4,269 |
| Net loans and leases to deposits | 63.9059% | 4,079 |
| Net loans and leases to core deposits | 67.2603% | 4,123 |
| Total domestic deposits to total assets | 80.2467% | 3,926 |
| Equity capital to assets | 9.0496% | 4,662 |
| Core capital (leverage) ratio | 8.4991% | 4,848 |
| Tier 1 risk-based capital ratio | 15.3580% | 2,630 |
| Total risk-based capital ratio | 16.1763% | 2,751 |
| Memoranda: | ||
| Average total assets | $455,276,600 | 1,535 |
| Average earning assets | $411,817,600 | 1,580 |
| Average equity | $41,123,200 | 1,881 |
| Average total loans | $224,062,000 | 2,002 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 4,559 |
| Cost of funding earning assets | 0.9150% | 2,160 |
| Net interest margin | 2.9724% | 4,658 |
| Noninterest income to average assets | 0.5905% | 2,257 |
| Noninterest expense to average assets | 3.1547% | 1,569 |
| Loan and lease loss provision to assets | 0.2081% | 846 |
| Net operating income to assets | -0.0303% | 5,070 |
| Return on assets (ROA) | -0.0421% | 5,081 |
| Pretax return on assets | -0.0976% | 5,086 |
| Return on Equity (ROE) | -0.4663% | 5,082 |
| Retained earnings to average equity (ytd only) | -0.4663% | 4,805 |
| Net charge-offs to loans | 0.2539% | 696 |
| Credit loss provision to net charge-offs | 168.7204% | 1,498 |
| Earnings coverage of net charge-offs (x) | 1.0166% | 3,331 |
| Efficiency ratio | 96.1765% | 200 |
| Assets per employee ($millions) | 4.0536% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,177 |
| Loan loss allowance to noncurrent loans | 62.8060% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 1,522 |
| Noncurrent loans to loans | 1.3789% | 1,116 |
| Net loans and leases to total assets | 50.4530% | 4,402 |
| Net loans and leases to deposits | 62.9106% | 4,242 |
| Net loans and leases to core deposits | 66.0777% | 4,270 |
| Total domestic deposits to total assets | 80.1978% | 3,950 |
| Equity capital to assets | 9.1229% | 4,715 |
| Core capital (leverage) ratio | 8.5524% | 4,921 |
| Tier 1 risk-based capital ratio | 15.4852% | 2,645 |
| Total risk-based capital ratio | 16.2963% | 2,753 |
| Memoranda: | ||
| Average total assets | $456,076,500 | 1,541 |
| Average earning assets | $412,677,500 | 1,583 |
| Average equity | $41,176,250 | 1,884 |
| Average total loans | $221,615,000 | 2,030 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 4,655 |
| Cost of funding earning assets | 0.8920% | 2,191 |
| Net interest margin | 2.9459% | 4,763 |
| Noninterest income to average assets | 0.5648% | 2,316 |
| Noninterest expense to average assets | 3.0203% | 1,954 |
| Loan and lease loss provision to assets | 0.2833% | 512 |
| Net operating income to assets | -0.0229% | 5,108 |
| Return on assets (ROA) | -0.0482% | 5,124 |
| Pretax return on assets | -0.1042% | 5,133 |
| Return on Equity (ROE) | -0.5353% | 5,129 |
| Retained earnings to average equity (ytd only) | -0.5353% | 4,771 |
| Net charge-offs to loans | 0.0796% | 1,565 |
| Credit loss provision to net charge-offs | 743.6782% | 448 |
| Earnings coverage of net charge-offs (x) | 5.5402% | 2,644 |
| Efficiency ratio | 93.4688% | 244 |
| Assets per employee ($millions) | 4.0151% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,603 |
| Loan loss allowance to noncurrent loans | 60.4472% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 1,525 |
| Noncurrent loans to loans | 1.6583% | 925 |
| Net loans and leases to total assets | 49.4348% | 4,498 |
| Net loans and leases to deposits | 60.9299% | 4,382 |
| Net loans and leases to core deposits | 64.0832% | 4,411 |
| Total domestic deposits to total assets | 81.1338% | 3,763 |
| Equity capital to assets | 9.2195% | 4,635 |
| Core capital (leverage) ratio | 8.5955% | 4,914 |
| Tier 1 risk-based capital ratio | 15.1177% | 2,784 |
| Total risk-based capital ratio | 16.0128% | 2,865 |
| Memoranda: | ||
| Average total assets | $456,768,330 | 1,543 |
| Average earning assets | $413,460,000 | 1,579 |
| Average equity | $41,095,670 | 1,891 |
| Average total loans | $218,467,330 | 2,054 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,744 |
| Cost of funding earning assets | 0.8863% | 2,065 |
| Net interest margin | 2.8874% | 4,895 |
| Noninterest income to average assets | 0.5045% | 2,527 |
| Noninterest expense to average assets | 3.1412% | 1,631 |
| Loan and lease loss provision to assets | 0.3893% | 298 |
| Net operating income to assets | -0.2680% | 5,220 |
| Return on assets (ROA) | -0.3107% | 5,224 |
| Pretax return on assets | -0.4669% | 5,236 |
| Return on Equity (ROE) | -3.4963% | 5,247 |
| Retained earnings to average equity (ytd only) | -3.4963% | 4,842 |
| Net charge-offs to loans | 0.0075% | 2,429 |
| Credit loss provision to net charge-offs | 11,150.0000% | 21 |
| Earnings coverage of net charge-offs (x) | -6.7500% | 2,715 |
| Efficiency ratio | 100.7559% | 162 |
| Assets per employee ($millions) | 4.2733% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,754 |
| Loan loss allowance to noncurrent loans | 41.0643% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.2446% | 1,068 |
| Noncurrent loans to loans | 2.4186% | 552 |
| Net loans and leases to total assets | 46.9382% | 4,622 |
| Net loans and leases to deposits | 57.2457% | 4,536 |
| Net loans and leases to core deposits | 60.5903% | 4,548 |
| Total domestic deposits to total assets | 81.9942% | 3,729 |
| Equity capital to assets | 8.8757% | 4,769 |
| Core capital (leverage) ratio | 8.4481% | 5,038 |
| Tier 1 risk-based capital ratio | 15.2945% | 2,752 |
| Total risk-based capital ratio | 16.1604% | 2,844 |
| Memoranda: | ||
| Average total assets | $458,302,000 | 1,552 |
| Average earning assets | $414,770,500 | 1,574 |
| Average equity | $40,729,000 | 1,900 |
| Average total loans | $214,422,500 | 2,097 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 4,742 |
| Cost of funding earning assets | 0.7192% | 1,965 |
| Net interest margin | 2.9297% | 4,875 |
| Noninterest income to average assets | 0.5953% | 2,319 |
| Noninterest expense to average assets | 2.8017% | 2,687 |
| Loan and lease loss provision to assets | -0.0155% | 5,121 |
| Net operating income to assets | 0.3475% | 4,950 |
| Return on assets (ROA) | 0.3898% | 4,874 |
| Pretax return on assets | 0.4832% | 4,823 |
| Return on Equity (ROE) | 3.8247% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.8247% | 3,472 |
| Net charge-offs to loans | -0.0998% | 5,152 |
| Credit loss provision to net charge-offs | 35.1220% | 3,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0828% | 473 |
| Assets per employee ($millions) | 4.5481% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,510 |
| Loan loss allowance to noncurrent loans | 35.6741% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1758% | 1,114 |
| Noncurrent loans to loans | 2.2630% | 565 |
| Net loans and leases to total assets | 45.7937% | 4,748 |
| Net loans and leases to deposits | 58.0868% | 4,572 |
| Net loans and leases to core deposits | 61.0644% | 4,586 |
| Total domestic deposits to total assets | 78.8367% | 4,340 |
| Equity capital to assets | 8.8981% | 4,655 |
| Core capital (leverage) ratio | 8.5291% | 5,014 |
| Tier 1 risk-based capital ratio | 15.6914% | 2,536 |
| Total risk-based capital ratio | 16.3888% | 2,699 |
| Memoranda: | ||
| Average total assets | $465,611,600 | 1,501 |
| Average earning assets | $416,696,800 | 1,535 |
| Average equity | $47,454,200 | 1,581 |
| Average total loans | $205,348,400 | 2,138 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 4,803 |
| Cost of funding earning assets | 0.6709% | 2,027 |
| Net interest margin | 2.9302% | 4,934 |
| Noninterest income to average assets | 0.5931% | 2,346 |
| Noninterest expense to average assets | 2.7167% | 2,930 |
| Loan and lease loss provision to assets | 0.0160% | 3,695 |
| Net operating income to assets | 0.3840% | 4,981 |
| Return on assets (ROA) | 0.4332% | 4,897 |
| Pretax return on assets | 0.5374% | 4,841 |
| Return on Equity (ROE) | 4.1222% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.1222% | 3,714 |
| Net charge-offs to loans | -0.0301% | 4,750 |
| Credit loss provision to net charge-offs | -121.7391% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6510% | 607 |
| Assets per employee ($millions) | 4.8655% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,565 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 1,213 |
| Noncurrent loans to loans | 2.4408% | 542 |
| Net loans and leases to total assets | 43.8487% | 4,887 |
| Net loans and leases to deposits | 56.3901% | 4,730 |
| Net loans and leases to core deposits | 58.9030% | 4,745 |
| Total domestic deposits to total assets | 77.7596% | 4,519 |
| Equity capital to assets | 10.3887% | 3,248 |
| Core capital (leverage) ratio | 10.3102% | 3,279 |
| Tier 1 risk-based capital ratio | 19.1351% | 1,504 |
| Total risk-based capital ratio | 19.8106% | 1,605 |
| Memoranda: | ||
| Average total assets | $467,175,500 | 1,506 |
| Average earning assets | $417,122,000 | 1,543 |
| Average equity | $49,099,250 | 1,545 |
| Average total loans | $203,668,500 | 2,154 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 4,843 |
| Cost of funding earning assets | 0.6244% | 2,079 |
| Net interest margin | 2.9302% | 4,972 |
| Noninterest income to average assets | 0.5929% | 2,360 |
| Noninterest expense to average assets | 2.6823% | 3,076 |
| Loan and lease loss provision to assets | 0.0154% | 3,572 |
| Net operating income to assets | 0.4209% | 4,918 |
| Return on assets (ROA) | 0.4546% | 4,856 |
| Pretax return on assets | 0.5539% | 4,810 |
| Return on Equity (ROE) | 4.3091% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.3091% | 3,447 |
| Net charge-offs to loans | -0.0661% | 5,018 |
| Credit loss provision to net charge-offs | -53.7313% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5467% | 717 |
| Assets per employee ($millions) | 5.1887% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,592 |
| Loan loss allowance to noncurrent loans | 44.9920% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,757 |
| Noncurrent loans to loans | 1.8529% | 835 |
| Net loans and leases to total assets | 42.7944% | 4,955 |
| Net loans and leases to deposits | 54.7646% | 4,813 |
| Net loans and leases to core deposits | 57.3395% | 4,820 |
| Total domestic deposits to total assets | 78.1425% | 4,564 |
| Equity capital to assets | 10.5211% | 3,089 |
| Core capital (leverage) ratio | 10.1836% | 3,377 |
| Tier 1 risk-based capital ratio | 19.0641% | 1,536 |
| Total risk-based capital ratio | 19.7463% | 1,639 |
| Memoranda: | ||
| Average total assets | $467,205,330 | 1,513 |
| Average earning assets | $417,380,000 | 1,549 |
| Average equity | $49,291,000 | 1,549 |
| Average total loans | $202,727,670 | 2,165 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 4,899 |
| Cost of funding earning assets | 0.5987% | 2,061 |
| Net interest margin | 2.8894% | 5,048 |
| Noninterest income to average assets | 0.6034% | 2,242 |
| Noninterest expense to average assets | 2.6997% | 3,042 |
| Loan and lease loss provision to assets | 0.0009% | 3,504 |
| Net operating income to assets | 0.4462% | 4,824 |
| Return on assets (ROA) | 0.4057% | 4,916 |
| Pretax return on assets | 0.4442% | 4,969 |
| Return on Equity (ROE) | 3.8404% | 4,806 |
| Retained earnings to average equity (ytd only) | 3.8404% | 3,657 |
| Net charge-offs to loans | -0.1200% | 5,267 |
| Credit loss provision to net charge-offs | -1.6393% | 3,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6484% | 751 |
| Assets per employee ($millions) | 4.8711% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,766 |
| Loan loss allowance to noncurrent loans | 41.8047% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 1,774 |
| Noncurrent loans to loans | 1.9373% | 837 |
| Net loans and leases to total assets | 42.9534% | 4,944 |
| Net loans and leases to deposits | 54.1155% | 4,789 |
| Net loans and leases to core deposits | 56.6913% | 4,812 |
| Total domestic deposits to total assets | 79.3735% | 4,516 |
| Equity capital to assets | 10.4895% | 3,086 |
| Core capital (leverage) ratio | 10.0792% | 3,447 |
| Tier 1 risk-based capital ratio | 18.3148% | 1,740 |
| Total risk-based capital ratio | 18.9648% | 1,863 |
| Memoranda: | ||
| Average total assets | $467,316,000 | 1,519 |
| Average earning assets | $418,214,500 | 1,559 |
| Average equity | $49,370,500 | 1,551 |
| Average total loans | $203,330,000 | 2,173 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,813 |
| Cost of funding earning assets | 0.5345% | 2,073 |
| Net interest margin | 2.9439% | 4,983 |
| Noninterest income to average assets | 0.6272% | 2,319 |
| Noninterest expense to average assets | 2.7293% | 3,032 |
| Loan and lease loss provision to assets | 0.0307% | 3,660 |
| Net operating income to assets | 0.0771% | 5,279 |
| Return on assets (ROA) | -0.0090% | 5,370 |
| Pretax return on assets | 0.3616% | 5,136 |
| Return on Equity (ROE) | -0.0825% | 5,372 |
| Retained earnings to average equity (ytd only) | -0.0825% | 5,042 |
| Net charge-offs to loans | 0.1429% | 1,645 |
| Credit loss provision to net charge-offs | 47.9452% | 3,353 |
| Earnings coverage of net charge-offs (x) | 8.2329% | 2,935 |
| Efficiency ratio | 83.8202% | 785 |
| Assets per employee ($millions) | 4.6701% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,900 |
| Loan loss allowance to noncurrent loans | 46.0999% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 1,983 |
| Noncurrent loans to loans | 1.6766% | 981 |
| Net loans and leases to total assets | 43.3786% | 5,009 |
| Net loans and leases to deposits | 55.5007% | 4,823 |
| Net loans and leases to core deposits | 58.0164% | 4,850 |
| Total domestic deposits to total assets | 78.1588% | 4,693 |
| Equity capital to assets | 10.6400% | 3,002 |
| Core capital (leverage) ratio | 10.0538% | 3,386 |
| Tier 1 risk-based capital ratio | 18.0998% | 1,774 |
| Total risk-based capital ratio | 18.7245% | 1,903 |
| Memoranda: | ||
| Average total assets | $456,315,600 | 1,527 |
| Average earning assets | $407,483,400 | 1,573 |
| Average equity | $49,677,800 | 1,524 |
| Average total loans | $204,377,800 | 2,123 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 4,849 |
| Cost of funding earning assets | 0.5232% | 2,086 |
| Net interest margin | 2.9524% | 5,014 |
| Noninterest income to average assets | 0.6102% | 2,422 |
| Noninterest expense to average assets | 2.7575% | 2,871 |
| Loan and lease loss provision to assets | 0.0362% | 3,393 |
| Net operating income to assets | 0.2888% | 5,235 |
| Return on assets (ROA) | 0.1799% | 5,383 |
| Pretax return on assets | 0.2819% | 5,321 |
| Return on Equity (ROE) | 1.6426% | 5,355 |
| Retained earnings to average equity (ytd only) | 1.6426% | 4,771 |
| Net charge-offs to loans | 0.1774% | 1,187 |
| Credit loss provision to net charge-offs | 45.2206% | 2,964 |
| Earnings coverage of net charge-offs (x) | 6.1066% | 3,018 |
| Efficiency ratio | 84.9588% | 691 |
| Assets per employee ($millions) | 4.4697% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,995 |
| Loan loss allowance to noncurrent loans | 41.0117% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 1,870 |
| Noncurrent loans to loans | 1.8575% | 940 |
| Net loans and leases to total assets | 45.1754% | 4,982 |
| Net loans and leases to deposits | 55.6388% | 4,887 |
| Net loans and leases to core deposits | 58.2467% | 4,905 |
| Total domestic deposits to total assets | 81.1940% | 3,996 |
| Equity capital to assets | 11.0244% | 2,842 |
| Core capital (leverage) ratio | 10.1892% | 3,325 |
| Tier 1 risk-based capital ratio | 17.9406% | 1,868 |
| Total risk-based capital ratio | 18.5663% | 2,013 |
| Memoranda: | ||
| Average total assets | $453,641,750 | 1,548 |
| Average earning assets | $404,946,750 | 1,595 |
| Average equity | $49,674,750 | 1,540 |
| Average total loans | $204,432,000 | 2,133 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 4,828 |
| Cost of funding earning assets | 0.5191% | 2,020 |
| Net interest margin | 2.9542% | 4,995 |
| Noninterest income to average assets | 0.5865% | 2,526 |
| Noninterest expense to average assets | 2.7941% | 2,786 |
| Loan and lease loss provision to assets | 0.0247% | 3,505 |
| Net operating income to assets | 0.2674% | 5,293 |
| Return on assets (ROA) | 0.1245% | 5,471 |
| Pretax return on assets | 0.1877% | 5,438 |
| Return on Equity (ROE) | 1.1399% | 5,451 |
| Retained earnings to average equity (ytd only) | 1.1399% | 4,783 |
| Net charge-offs to loans | 0.0197% | 2,849 |
| Credit loss provision to net charge-offs | 280.0000% | 1,011 |
| Earnings coverage of net charge-offs (x) | 48.5500% | 1,097 |
| Efficiency ratio | 86.6950% | 634 |
| Assets per employee ($millions) | 4.7074% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 4,809 |
| Loan loss allowance to noncurrent loans | 48.6092% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 1,986 |
| Noncurrent loans to loans | 1.7513% | 1,034 |
| Net loans and leases to total assets | 45.4881% | 4,972 |
| Net loans and leases to deposits | 54.2569% | 4,950 |
| Net loans and leases to core deposits | 57.0224% | 4,955 |
| Total domestic deposits to total assets | 83.8383% | 3,262 |
| Equity capital to assets | 11.0298% | 2,778 |
| Core capital (leverage) ratio | 10.0852% | 3,423 |
| Tier 1 risk-based capital ratio | 17.5017% | 2,012 |
| Total risk-based capital ratio | 18.1905% | 2,128 |
| Memoranda: | ||
| Average total assets | $452,884,330 | 1,554 |
| Average earning assets | $404,167,330 | 1,600 |
| Average equity | $49,479,000 | 1,546 |
| Average total loans | $203,395,330 | 2,140 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 4,819 |
| Cost of funding earning assets | 0.5259% | 1,891 |
| Net interest margin | 2.9283% | 5,029 |
| Noninterest income to average assets | 0.5717% | 2,552 |
| Noninterest expense to average assets | 2.8974% | 2,460 |
| Loan and lease loss provision to assets | 0.0062% | 3,486 |
| Net operating income to assets | 0.1909% | 5,406 |
| Return on assets (ROA) | -0.0141% | 5,618 |
| Pretax return on assets | -0.0388% | 5,618 |
| Return on Equity (ROE) | -0.1298% | 5,620 |
| Retained earnings to average equity (ytd only) | -0.1298% | 4,940 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9695% | 508 |
| Assets per employee ($millions) | 4.5385% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,895 |
| Loan loss allowance to noncurrent loans | 48.3700% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 2,004 |
| Noncurrent loans to loans | 1.7802% | 1,060 |
| Net loans and leases to total assets | 44.0396% | 5,035 |
| Net loans and leases to deposits | 51.6418% | 5,048 |
| Net loans and leases to core deposits | 54.2677% | 5,051 |
| Total domestic deposits to total assets | 85.2790% | 2,974 |
| Equity capital to assets | 10.9272% | 2,716 |
| Core capital (leverage) ratio | 9.9992% | 3,497 |
| Tier 1 risk-based capital ratio | 17.4264% | 2,051 |
| Total risk-based capital ratio | 18.1086% | 2,197 |
| Memoranda: | ||
| Average total assets | $453,369,500 | 1,556 |
| Average earning assets | $404,601,500 | 1,612 |
| Average equity | $49,296,000 | 1,554 |
| Average total loans | $201,427,000 | 2,167 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 4,949 |
| Cost of funding earning assets | 0.5440% | 1,757 |
| Net interest margin | 2.8704% | 5,184 |
| Noninterest income to average assets | 0.5530% | 2,898 |
| Noninterest expense to average assets | 2.7726% | 3,113 |
| Loan and lease loss provision to assets | 0.0579% | 3,226 |
| Net operating income to assets | 0.1986% | 5,421 |
| Return on assets (ROA) | 0.0570% | 5,632 |
| Pretax return on assets | 0.0803% | 5,609 |
| Return on Equity (ROE) | 0.5194% | 5,626 |
| Retained earnings to average equity (ytd only) | 0.5194% | 5,123 |
| Net charge-offs to loans | 0.0375% | 3,279 |
| Credit loss provision to net charge-offs | 354.7945% | 864 |
| Earnings coverage of net charge-offs (x) | 20.6712% | 1,840 |
| Efficiency ratio | 89.1454% | 607 |
| Assets per employee ($millions) | 4.4401% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,930 |
| Loan loss allowance to noncurrent loans | 43.1744% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 1,971 |
| Noncurrent loans to loans | 1.9911% | 905 |
| Net loans and leases to total assets | 44.0536% | 5,114 |
| Net loans and leases to deposits | 52.3864% | 5,097 |
| Net loans and leases to core deposits | 54.9699% | 5,101 |
| Total domestic deposits to total assets | 84.0937% | 3,391 |
| Equity capital to assets | 10.8192% | 2,796 |
| Core capital (leverage) ratio | 10.0549% | 3,423 |
| Tier 1 risk-based capital ratio | 17.0050% | 2,158 |
| Total risk-based capital ratio | 17.6682% | 2,320 |
| Memoranda: | ||
| Average total assets | $446,986,400 | 1,519 |
| Average earning assets | $398,198,000 | 1,577 |
| Average equity | $49,093,000 | 1,547 |
| Average total loans | $194,916,800 | 2,159 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4313% | 4,952 |
| Cost of funding earning assets | 0.5396% | 1,794 |
| Net interest margin | 2.8917% | 5,199 |
| Noninterest income to average assets | 0.5348% | 3,014 |
| Noninterest expense to average assets | 2.8566% | 2,799 |
| Loan and lease loss provision to assets | 0.0212% | 3,813 |
| Net operating income to assets | 0.2358% | 5,408 |
| Return on assets (ROA) | 0.0120% | 5,732 |
| Pretax return on assets | 0.0087% | 5,729 |
| Return on Equity (ROE) | 0.1086% | 5,733 |
| Retained earnings to average equity (ytd only) | 0.1086% | 5,311 |
| Net charge-offs to loans | 0.0524% | 2,619 |
| Credit loss provision to net charge-offs | 93.4211% | 2,479 |
| Earnings coverage of net charge-offs (x) | 11.1580% | 2,520 |
| Efficiency ratio | 91.8407% | 471 |
| Assets per employee ($millions) | 4.4222% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 5,257 |
| Loan loss allowance to noncurrent loans | 49.5812% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 2,352 |
| Noncurrent loans to loans | 1.5650% | 1,387 |
| Net loans and leases to total assets | 43.6304% | 5,214 |
| Net loans and leases to deposits | 51.8091% | 5,212 |
| Net loans and leases to core deposits | 54.2027% | 5,217 |
| Total domestic deposits to total assets | 84.2137% | 3,137 |
| Equity capital to assets | 11.0205% | 2,989 |
| Core capital (leverage) ratio | 10.0334% | 3,532 |
| Tier 1 risk-based capital ratio | 16.9978% | 2,226 |
| Total risk-based capital ratio | 17.5919% | 2,431 |
| Memoranda: | ||
| Average total assets | $445,510,250 | 1,524 |
| Average earning assets | $396,804,750 | 1,584 |
| Average equity | $49,116,500 | 1,549 |
| Average total loans | $193,334,750 | 2,175 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4027% | 5,075 |
| Cost of funding earning assets | 0.5362% | 1,812 |
| Net interest margin | 2.8665% | 5,317 |
| Noninterest income to average assets | 0.4733% | 3,384 |
| Noninterest expense to average assets | 2.8788% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0992% | 5,668 |
| Return on assets (ROA) | 0.0032% | 5,794 |
| Pretax return on assets | -0.0059% | 5,793 |
| Return on Equity (ROE) | 0.0286% | 5,794 |
| Retained earnings to average equity (ytd only) | 0.0286% | 5,281 |
| Net charge-offs to loans | 0.0157% | 3,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,686 |
| Efficiency ratio | 95.2282% | 371 |
| Assets per employee ($millions) | 4.2355% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 5,296 |
| Loan loss allowance to noncurrent loans | 48.9273% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8506% | 2,466 |
| Noncurrent loans to loans | 1.6203% | 1,320 |
| Net loans and leases to total assets | 42.9962% | 5,284 |
| Net loans and leases to deposits | 50.5241% | 5,312 |
| Net loans and leases to core deposits | 52.7795% | 5,336 |
| Total domestic deposits to total assets | 85.1004% | 2,831 |
| Equity capital to assets | 11.0193% | 3,039 |
| Core capital (leverage) ratio | 9.9375% | 3,638 |
| Tier 1 risk-based capital ratio | 17.0056% | 2,218 |
| Total risk-based capital ratio | 17.5966% | 2,432 |
| Memoranda: | ||
| Average total assets | $443,657,330 | 1,534 |
| Average earning assets | $394,629,000 | 1,594 |
| Average equity | $48,918,670 | 1,553 |
| Average total loans | $191,665,670 | 2,194 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 4,967 |
| Cost of funding earning assets | 0.5325% | 1,853 |
| Net interest margin | 2.9337% | 5,252 |
| Noninterest income to average assets | 0.5533% | 2,783 |
| Noninterest expense to average assets | 2.9310% | 2,606 |
| Loan and lease loss provision to assets | -0.0027% | 5,868 |
| Net operating income to assets | 0.1548% | 5,607 |
| Return on assets (ROA) | 0.0063% | 5,806 |
| Pretax return on assets | -0.0009% | 5,814 |
| Return on Equity (ROE) | 0.0573% | 5,807 |
| Retained earnings to average equity (ytd only) | 0.0573% | 5,092 |
| Net charge-offs to loans | 0.0230% | 2,473 |
| Credit loss provision to net charge-offs | -27.2727% | 4,109 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,383 |
| Efficiency ratio | 92.7714% | 508 |
| Assets per employee ($millions) | 4.3440% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 5,362 |
| Loan loss allowance to noncurrent loans | 49.5627% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 1,936 |
| Noncurrent loans to loans | 1.6131% | 1,428 |
| Net loans and leases to total assets | 42.4286% | 5,329 |
| Net loans and leases to deposits | 49.7174% | 5,358 |
| Net loans and leases to core deposits | 52.0558% | 5,350 |
| Total domestic deposits to total assets | 85.3395% | 2,986 |
| Equity capital to assets | 10.9765% | 2,969 |
| Core capital (leverage) ratio | 10.0833% | 3,437 |
| Tier 1 risk-based capital ratio | 17.0673% | 2,264 |
| Total risk-based capital ratio | 17.6606% | 2,468 |
| Memoranda: | ||
| Average total assets | $443,121,000 | 1,541 |
| Average earning assets | $393,637,500 | 1,593 |
| Average equity | $48,875,000 | 1,553 |
| Average total loans | $191,126,000 | 2,201 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 4,974 |
| Cost of funding earning assets | 0.5454% | 1,806 |
| Net interest margin | 2.9338% | 5,284 |
| Noninterest income to average assets | 0.5791% | 2,838 |
| Noninterest expense to average assets | 2.8458% | 3,052 |
| Loan and lease loss provision to assets | 0.0418% | 3,500 |
| Net operating income to assets | 0.3289% | 5,273 |
| Return on assets (ROA) | 0.0660% | 5,834 |
| Pretax return on assets | 0.0469% | 5,850 |
| Return on Equity (ROE) | 0.5948% | 5,826 |
| Retained earnings to average equity (ytd only) | 0.5948% | 5,280 |
| Net charge-offs to loans | 0.1053% | 2,341 |
| Credit loss provision to net charge-offs | 93.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 7.8300% | 3,034 |
| Efficiency ratio | 89.0028% | 757 |
| Assets per employee ($millions) | 4.2194% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 5,389 |
| Loan loss allowance to noncurrent loans | 31.2108% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 1,597 |
| Noncurrent loans to loans | 2.5916% | 690 |
| Net loans and leases to total assets | 43.1483% | 5,336 |
| Net loans and leases to deposits | 50.1056% | 5,387 |
| Net loans and leases to core deposits | 52.3523% | 5,399 |
| Total domestic deposits to total assets | 86.1146% | 2,583 |
| Equity capital to assets | 11.0839% | 2,739 |
| Core capital (leverage) ratio | 10.1914% | 3,271 |
| Tier 1 risk-based capital ratio | 17.2617% | 2,194 |
| Total risk-based capital ratio | 17.8670% | 2,380 |
| Memoranda: | ||
| Average total assets | $445,363,400 | 1,503 |
| Average earning assets | $397,470,200 | 1,539 |
| Average equity | $49,429,400 | 1,509 |
| Average total loans | $189,946,200 | 2,156 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4999% | 4,984 |
| Cost of funding earning assets | 0.5458% | 1,837 |
| Net interest margin | 2.9541% | 5,297 |
| Noninterest income to average assets | 0.5479% | 3,064 |
| Noninterest expense to average assets | 2.8396% | 3,040 |
| Loan and lease loss provision to assets | 0.0540% | 3,113 |
| Net operating income to assets | 0.2386% | 5,592 |
| Return on assets (ROA) | 0.1596% | 5,809 |
| Pretax return on assets | 0.1963% | 5,794 |
| Return on Equity (ROE) | 1.4374% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.4374% | 5,143 |
| Net charge-offs to loans | 0.1181% | 1,939 |
| Credit loss provision to net charge-offs | 107.7381% | 2,144 |
| Earnings coverage of net charge-offs (x) | 6.9406% | 2,972 |
| Efficiency ratio | 89.0885% | 756 |
| Assets per employee ($millions) | 4.2565% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 5,466 |
| Loan loss allowance to noncurrent loans | 30.8206% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 1,618 |
| Noncurrent loans to loans | 2.6644% | 730 |
| Net loans and leases to total assets | 43.2499% | 5,406 |
| Net loans and leases to deposits | 50.4286% | 5,456 |
| Net loans and leases to core deposits | 52.7227% | 5,470 |
| Total domestic deposits to total assets | 85.7646% | 2,659 |
| Equity capital to assets | 11.3837% | 2,601 |
| Core capital (leverage) ratio | 10.1812% | 3,398 |
| Tier 1 risk-based capital ratio | 17.1214% | 2,327 |
| Total risk-based capital ratio | 17.7254% | 2,548 |
| Memoranda: | ||
| Average total assets | $447,000,500 | 1,511 |
| Average earning assets | $399,389,750 | 1,546 |
| Average equity | $49,627,250 | 1,505 |
| Average total loans | $189,711,500 | 2,176 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 5,003 |
| Cost of funding earning assets | 0.5445% | 1,867 |
| Net interest margin | 2.9483% | 5,340 |
| Noninterest income to average assets | 0.5277% | 3,185 |
| Noninterest expense to average assets | 2.8400% | 3,105 |
| Loan and lease loss provision to assets | 0.0667% | 2,782 |
| Net operating income to assets | 0.2186% | 5,651 |
| Return on assets (ROA) | 0.1409% | 5,868 |
| Pretax return on assets | 0.1672% | 5,861 |
| Return on Equity (ROE) | 1.2799% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.2799% | 5,042 |
| Net charge-offs to loans | 0.1131% | 1,874 |
| Credit loss provision to net charge-offs | 140.1869% | 1,601 |
| Earnings coverage of net charge-offs (x) | 6.8598% | 2,732 |
| Efficiency ratio | 89.6939% | 777 |
| Assets per employee ($millions) | 4.3532% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 5,513 |
| Loan loss allowance to noncurrent loans | 28.4900% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5418% | 1,583 |
| Noncurrent loans to loans | 2.9235% | 693 |
| Net loans and leases to total assets | 42.4852% | 5,468 |
| Net loans and leases to deposits | 49.9137% | 5,509 |
| Net loans and leases to core deposits | 52.2353% | 5,522 |
| Total domestic deposits to total assets | 85.1174% | 3,078 |
| Equity capital to assets | 10.9708% | 2,916 |
| Core capital (leverage) ratio | 9.8845% | 3,763 |
| Tier 1 risk-based capital ratio | 16.5886% | 2,573 |
| Total risk-based capital ratio | 17.1880% | 2,844 |
| Memoranda: | ||
| Average total assets | $449,862,330 | 1,514 |
| Average earning assets | $402,603,330 | 1,543 |
| Average equity | $49,533,670 | 1,514 |
| Average total loans | $189,220,670 | 2,187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 5,085 |
| Cost of funding earning assets | 0.5495% | 1,850 |
| Net interest margin | 2.9020% | 5,452 |
| Noninterest income to average assets | 0.5575% | 2,908 |
| Noninterest expense to average assets | 2.8247% | 3,159 |
| Loan and lease loss provision to assets | 0.0550% | 2,836 |
| Net operating income to assets | 0.2315% | 5,608 |
| Return on assets (ROA) | 0.1420% | 5,877 |
| Pretax return on assets | 0.1687% | 5,869 |
| Return on Equity (ROE) | 1.2876% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.2876% | 4,968 |
| Net charge-offs to loans | 0.1938% | 1,157 |
| Credit loss provision to net charge-offs | 68.1319% | 1,933 |
| Earnings coverage of net charge-offs (x) | 4.0879% | 2,533 |
| Efficiency ratio | 89.5329% | 887 |
| Assets per employee ($millions) | 4.4866% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 5,675 |
| Loan loss allowance to noncurrent loans | 25.7673% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 1,548 |
| Noncurrent loans to loans | 3.1430% | 661 |
| Net loans and leases to total assets | 40.8947% | 5,552 |
| Net loans and leases to deposits | 47.9350% | 5,570 |
| Net loans and leases to core deposits | 50.2493% | 5,578 |
| Total domestic deposits to total assets | 85.3127% | 3,260 |
| Equity capital to assets | 10.8777% | 3,111 |
| Core capital (leverage) ratio | 10.0342% | 3,554 |
| Tier 1 risk-based capital ratio | 16.3524% | 2,754 |
| Total risk-based capital ratio | 16.9315% | 3,010 |
| Memoranda: | ||
| Average total assets | $450,602,500 | 1,520 |
| Average earning assets | $403,310,000 | 1,546 |
| Average equity | $49,705,000 | 1,510 |
| Average total loans | $187,783,000 | 2,200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 4,868 |
| Cost of funding earning assets | 0.5954% | 1,798 |
| Net interest margin | 3.0790% | 5,256 |
| Noninterest income to average assets | 0.7044% | 2,284 |
| Noninterest expense to average assets | 2.8348% | 3,358 |
| Loan and lease loss provision to assets | 0.0364% | 3,852 |
| Net operating income to assets | 0.4017% | 5,217 |
| Return on assets (ROA) | -0.0565% | 6,135 |
| Pretax return on assets | -0.1345% | 6,157 |
| Return on Equity (ROE) | -0.5104% | 6,134 |
| Retained earnings to average equity (ytd only) | -0.5104% | 5,853 |
| Net charge-offs to loans | 0.0398% | 4,023 |
| Credit loss provision to net charge-offs | 216.0000% | 1,150 |
| Earnings coverage of net charge-offs (x) | 36.6133% | 1,161 |
| Efficiency ratio | 82.1061% | 1,649 |
| Assets per employee ($millions) | 4.3918% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 5,677 |
| Loan loss allowance to noncurrent loans | 36.8695% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 2,136 |
| Noncurrent loans to loans | 2.2596% | 1,158 |
| Net loans and leases to total assets | 41.7820% | 5,636 |
| Net loans and leases to deposits | 48.5863% | 5,652 |
| Net loans and leases to core deposits | 50.6871% | 5,686 |
| Total domestic deposits to total assets | 85.9955% | 2,845 |
| Equity capital to assets | 11.1887% | 2,712 |
| Core capital (leverage) ratio | 10.1161% | 3,413 |
| Tier 1 risk-based capital ratio | 16.8924% | 2,555 |
| Total risk-based capital ratio | 17.5011% | 2,781 |
| Memoranda: | ||
| Average total assets | $444,472,200 | 1,495 |
| Average earning assets | $396,724,200 | 1,542 |
| Average equity | $49,181,200 | 1,465 |
| Average total loans | $188,437,400 | 2,130 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,806 |
| Cost of funding earning assets | 0.5989% | 1,840 |
| Net interest margin | 3.1180% | 5,204 |
| Noninterest income to average assets | 0.7475% | 2,108 |
| Noninterest expense to average assets | 2.9466% | 2,969 |
| Loan and lease loss provision to assets | 0.0405% | 3,599 |
| Net operating income to assets | 0.4054% | 5,230 |
| Return on assets (ROA) | -0.1322% | 6,244 |
| Pretax return on assets | -0.2968% | 6,292 |
| Return on Equity (ROE) | -1.1983% | 6,241 |
| Retained earnings to average equity (ytd only) | -1.1983% | 5,991 |
| Net charge-offs to loans | 0.0388% | 3,722 |
| Credit loss provision to net charge-offs | 245.4545% | 1,071 |
| Earnings coverage of net charge-offs (x) | 35.4008% | 1,222 |
| Efficiency ratio | 83.4650% | 1,452 |
| Assets per employee ($millions) | 4.2486% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 5,804 |
| Loan loss allowance to noncurrent loans | 45.4946% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 2,511 |
| Noncurrent loans to loans | 1.8179% | 1,772 |
| Net loans and leases to total assets | 42.4722% | 5,637 |
| Net loans and leases to deposits | 48.1679% | 5,755 |
| Net loans and leases to core deposits | 50.1694% | 5,780 |
| Total domestic deposits to total assets | 88.1754% | 1,675 |
| Equity capital to assets | 11.2581% | 2,697 |
| Core capital (leverage) ratio | 10.1706% | 3,444 |
| Tier 1 risk-based capital ratio | 16.5994% | 2,770 |
| Total risk-based capital ratio | 17.2005% | 3,025 |
| Memoranda: | ||
| Average total assets | $444,697,500 | 1,504 |
| Average earning assets | $396,908,000 | 1,553 |
| Average equity | $49,069,000 | 1,469 |
| Average total loans | $188,824,250 | 2,141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,709 |
| Cost of funding earning assets | 0.6099% | 1,813 |
| Net interest margin | 3.1369% | 5,136 |
| Noninterest income to average assets | 0.4662% | 3,742 |
| Noninterest expense to average assets | 2.9611% | 2,963 |
| Loan and lease loss provision to assets | 0.0599% | 3,073 |
| Net operating income to assets | 0.2316% | 5,755 |
| Return on assets (ROA) | -0.3740% | 6,407 |
| Pretax return on assets | -0.6988% | 6,470 |
| Return on Equity (ROE) | -3.4120% | 6,393 |
| Retained earnings to average equity (ytd only) | -3.4120% | 6,127 |
| Net charge-offs to loans | 0.0444% | 3,344 |
| Credit loss provision to net charge-offs | 319.0476% | 813 |
| Earnings coverage of net charge-offs (x) | 16.3571% | 1,797 |
| Efficiency ratio | 90.5968% | 868 |
| Assets per employee ($millions) | 4.2788% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 5,912 |
| Loan loss allowance to noncurrent loans | 49.8882% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 2,742 |
| Noncurrent loans to loans | 1.6589% | 2,090 |
| Net loans and leases to total assets | 42.0635% | 5,674 |
| Net loans and leases to deposits | 47.8181% | 5,781 |
| Net loans and leases to core deposits | 49.8511% | 5,802 |
| Total domestic deposits to total assets | 87.9656% | 1,920 |
| Equity capital to assets | 10.9816% | 2,895 |
| Core capital (leverage) ratio | 9.9712% | 3,656 |
| Tier 1 risk-based capital ratio | 16.0632% | 3,056 |
| Total risk-based capital ratio | 16.6505% | 3,354 |
| Memoranda: | ||
| Average total assets | $447,062,000 | 1,493 |
| Average earning assets | $399,380,000 | 1,534 |
| Average equity | $49,003,330 | 1,465 |
| Average total loans | $189,295,670 | 2,137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7398% | 4,707 |
| Cost of funding earning assets | 0.6306% | 1,728 |
| Net interest margin | 3.1092% | 5,219 |
| Noninterest income to average assets | 0.4562% | 3,739 |
| Noninterest expense to average assets | 3.1047% | 2,516 |
| Loan and lease loss provision to assets | 0.0491% | 3,113 |
| Net operating income to assets | 0.1383% | 5,951 |
| Return on assets (ROA) | -0.5490% | 6,486 |
| Pretax return on assets | -0.9900% | 6,558 |
| Return on Equity (ROE) | -5.0131% | 6,468 |
| Retained earnings to average equity (ytd only) | -5.0131% | 6,125 |
| Net charge-offs to loans | 0.0654% | 2,500 |
| Credit loss provision to net charge-offs | 177.4194% | 1,131 |
| Earnings coverage of net charge-offs (x) | 4.8065% | 2,471 |
| Efficiency ratio | 95.8919% | 646 |
| Assets per employee ($millions) | 4.4617% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 6,114 |
| Loan loss allowance to noncurrent loans | 47.9923% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.1779% | 2,901 |
| Noncurrent loans to loans | 1.6548% | 2,345 |
| Net loans and leases to total assets | 41.4146% | 5,716 |
| Net loans and leases to deposits | 46.7627% | 5,803 |
| Net loans and leases to core deposits | 48.8882% | 5,829 |
| Total domestic deposits to total assets | 88.5635% | 1,908 |
| Equity capital to assets | 10.8593% | 2,868 |
| Core capital (leverage) ratio | 10.0026% | 3,572 |
| Tier 1 risk-based capital ratio | 15.4608% | 3,462 |
| Total risk-based capital ratio | 16.0190% | 3,788 |
| Memoranda: | ||
| Average total assets | $448,093,500 | 1,493 |
| Average earning assets | $400,874,500 | 1,531 |
| Average equity | $49,071,000 | 1,463 |
| Average total loans | $189,571,500 | 2,137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,970 |
| Cost of funding earning assets | 0.7248% | 1,649 |
| Net interest margin | 3.0271% | 5,514 |
| Noninterest income to average assets | 0.4870% | 3,840 |
| Noninterest expense to average assets | 2.7681% | 3,843 |
| Loan and lease loss provision to assets | 0.0650% | 3,826 |
| Net operating income to assets | 0.2843% | 5,575 |
| Return on assets (ROA) | -0.0910% | 6,313 |
| Pretax return on assets | -0.2264% | 6,374 |
| Return on Equity (ROE) | -0.8336% | 6,313 |
| Retained earnings to average equity (ytd only) | -0.8336% | 6,035 |
| Net charge-offs to loans | 0.1356% | 3,449 |
| Credit loss provision to net charge-offs | 113.8996% | 2,121 |
| Earnings coverage of net charge-offs (x) | 7.4440% | 2,844 |
| Efficiency ratio | 86.6888% | 1,348 |
| Assets per employee ($millions) | 4.3682% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 6,234 |
| Loan loss allowance to noncurrent loans | 80.5479% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 3,703 |
| Noncurrent loans to loans | 0.9554% | 3,604 |
| Net loans and leases to total assets | 42.5427% | 5,791 |
| Net loans and leases to deposits | 48.1327% | 5,888 |
| Net loans and leases to core deposits | 50.4242% | 5,906 |
| Total domestic deposits to total assets | 88.3863% | 1,958 |
| Equity capital to assets | 11.0439% | 2,574 |
| Core capital (leverage) ratio | 10.3654% | 3,065 |
| Tier 1 risk-based capital ratio | 15.3892% | 3,437 |
| Total risk-based capital ratio | 15.8965% | 3,815 |
| Memoranda: | ||
| Average total assets | $453,597,400 | 1,464 |
| Average earning assets | $405,506,200 | 1,495 |
| Average equity | $49,543,200 | 1,425 |
| Average total loans | $190,936,000 | 2,091 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,974 |
| Cost of funding earning assets | 0.7376% | 1,684 |
| Net interest margin | 3.0291% | 5,523 |
| Noninterest income to average assets | 0.4559% | 4,116 |
| Noninterest expense to average assets | 2.9267% | 3,222 |
| Loan and lease loss provision to assets | 0.0717% | 3,629 |
| Net operating income to assets | 0.1664% | 5,999 |
| Return on assets (ROA) | -0.1958% | 6,487 |
| Pretax return on assets | -0.4009% | 6,561 |
| Return on Equity (ROE) | -1.7974% | 6,469 |
| Retained earnings to average equity (ytd only) | -1.7974% | 6,239 |
| Net charge-offs to loans | 0.1767% | 2,807 |
| Credit loss provision to net charge-offs | 96.8379% | 2,470 |
| Earnings coverage of net charge-offs (x) | 3.1977% | 3,773 |
| Efficiency ratio | 92.5162% | 822 |
| Assets per employee ($millions) | 4.3408% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 6,388 |
| Loan loss allowance to noncurrent loans | 77.9967% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 3,776 |
| Noncurrent loans to loans | 0.9487% | 3,919 |
| Net loans and leases to total assets | 42.7538% | 5,842 |
| Net loans and leases to deposits | 48.3843% | 5,935 |
| Net loans and leases to core deposits | 50.5459% | 5,983 |
| Total domestic deposits to total assets | 88.3630% | 1,910 |
| Equity capital to assets | 11.0765% | 2,692 |
| Core capital (leverage) ratio | 10.0461% | 3,609 |
| Tier 1 risk-based capital ratio | 14.0311% | 4,400 |
| Total risk-based capital ratio | 14.4836% | 4,897 |
| Memoranda: | ||
| Average total assets | $455,607,000 | 1,463 |
| Average earning assets | $407,236,500 | 1,498 |
| Average equity | $49,627,250 | 1,436 |
| Average total loans | $190,914,250 | 2,088 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,899 |
| Cost of funding earning assets | 0.7505% | 1,705 |
| Net interest margin | 3.0274% | 5,502 |
| Noninterest income to average assets | 0.4646% | 4,064 |
| Noninterest expense to average assets | 3.0346% | 2,891 |
| Loan and lease loss provision to assets | 0.0851% | 3,379 |
| Net operating income to assets | 0.0996% | 6,136 |
| Return on assets (ROA) | -0.2700% | 6,561 |
| Pretax return on assets | -0.5244% | 6,637 |
| Return on Equity (ROE) | -2.4929% | 6,551 |
| Retained earnings to average equity (ytd only) | -2.4929% | 6,250 |
| Net charge-offs to loans | 0.2248% | 2,389 |
| Credit loss provision to net charge-offs | 91.1215% | 2,412 |
| Earnings coverage of net charge-offs (x) | 1.4813% | 4,042 |
| Efficiency ratio | 95.6414% | 674 |
| Assets per employee ($millions) | 4.1535% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 6,445 |
| Loan loss allowance to noncurrent loans | 131.0473% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 4,147 |
| Noncurrent loans to loans | 0.5652% | 4,849 |
| Net loans and leases to total assets | 41.4707% | 5,933 |
| Net loans and leases to deposits | 46.8349% | 6,054 |
| Net loans and leases to core deposits | 48.7527% | 6,090 |
| Total domestic deposits to total assets | 88.5465% | 1,891 |
| Equity capital to assets | 10.8976% | 2,851 |
| Core capital (leverage) ratio | 9.8275% | 3,761 |
| Tier 1 risk-based capital ratio | 13.7409% | 4,613 |
| Total risk-based capital ratio | 14.1807% | 5,128 |
| Memoranda: | ||
| Average total assets | $458,443,000 | 1,449 |
| Average earning assets | $410,119,670 | 1,484 |
| Average equity | $49,662,000 | 1,440 |
| Average total loans | $190,360,000 | 2,100 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,596 |
| Cost of funding earning assets | 0.7674% | 1,729 |
| Net interest margin | 3.0979% | 5,269 |
| Noninterest income to average assets | 0.5157% | 3,672 |
| Noninterest expense to average assets | 3.1384% | 2,549 |
| Loan and lease loss provision to assets | 0.1141% | 2,808 |
| Net operating income to assets | 0.0954% | 6,159 |
| Return on assets (ROA) | -0.4164% | 6,670 |
| Pretax return on assets | -0.7656% | 6,750 |
| Return on Equity (ROE) | -3.8550% | 6,645 |
| Retained earnings to average equity (ytd only) | -3.8550% | 6,265 |
| Net charge-offs to loans | 0.1704% | 2,379 |
| Credit loss provision to net charge-offs | 161.7284% | 1,292 |
| Earnings coverage of net charge-offs (x) | 2.0988% | 3,130 |
| Efficiency ratio | 95.4943% | 753 |
| Assets per employee ($millions) | 4.0487% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 6,479 |
| Loan loss allowance to noncurrent loans | 65.3457% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 3,802 |
| Noncurrent loans to loans | 1.2026% | 3,763 |
| Net loans and leases to total assets | 40.5915% | 5,947 |
| Net loans and leases to deposits | 45.7493% | 6,072 |
| Net loans and leases to core deposits | 47.5179% | 6,122 |
| Total domestic deposits to total assets | 88.7260% | 1,854 |
| Equity capital to assets | 10.7610% | 3,243 |
| Core capital (leverage) ratio | 9.9565% | 3,445 |
| Tier 1 risk-based capital ratio | 13.7678% | 4,680 |
| Total risk-based capital ratio | 14.2187% | 5,197 |
| Memoranda: | ||
| Average total assets | $459,220,000 | 1,462 |
| Average earning assets | $410,735,000 | 1,495 |
| Average equity | $49,598,000 | 1,464 |
| Average total loans | $190,095,500 | 2,112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 4,812 |
| Cost of funding earning assets | 1.0716% | 1,017 |
| Net interest margin | 3.0657% | 5,897 |
| Noninterest income to average assets | 0.5247% | 3,745 |
| Noninterest expense to average assets | 2.7580% | 4,185 |
| Loan and lease loss provision to assets | 0.0543% | 5,126 |
| Net operating income to assets | 0.3538% | 5,278 |
| Return on assets (ROA) | -0.3028% | 6,496 |
| Pretax return on assets | -0.5784% | 6,609 |
| Return on Equity (ROE) | -2.9416% | 6,495 |
| Retained earnings to average equity (ytd only) | -2.9416% | 6,258 |
| Net charge-offs to loans | 0.1888% | 3,865 |
| Credit loss provision to net charge-offs | 72.9885% | 4,072 |
| Earnings coverage of net charge-offs (x) | 6.7443% | 2,752 |
| Efficiency ratio | 84.6048% | 1,556 |
| Assets per employee ($millions) | 3.9387% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 6,568 |
| Loan loss allowance to noncurrent loans | 33.0032% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 1.5481% | 3,065 |
| Noncurrent loans to loans | 2.2690% | 2,383 |
| Net loans and leases to total assets | 41.5688% | 6,038 |
| Net loans and leases to deposits | 47.3924% | 6,148 |
| Net loans and leases to core deposits | 49.3177% | 6,187 |
| Total domestic deposits to total assets | 87.7120% | 2,405 |
| Equity capital to assets | 10.8404% | 3,132 |
| Core capital (leverage) ratio | 10.2253% | 3,102 |
| Tier 1 risk-based capital ratio | 13.4291% | 4,806 |
| Total risk-based capital ratio | 13.8465% | 5,347 |
| Memoranda: | ||
| Average total assets | $467,657,200 | 1,411 |
| Average earning assets | $417,228,600 | 1,445 |
| Average equity | $48,137,600 | 1,452 |
| Average total loans | $184,278,200 | 2,148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 4,785 |
| Cost of funding earning assets | 1.1332% | 934 |
| Net interest margin | 3.0773% | 5,989 |
| Noninterest income to average assets | 0.5168% | 3,819 |
| Noninterest expense to average assets | 2.7446% | 4,195 |
| Loan and lease loss provision to assets | 0.0471% | 5,184 |
| Net operating income to assets | 0.3728% | 5,362 |
| Return on assets (ROA) | -0.3881% | 6,685 |
| Pretax return on assets | -0.7209% | 6,783 |
| Return on Equity (ROE) | -3.8194% | 6,667 |
| Retained earnings to average equity (ytd only) | -3.8194% | 6,539 |
| Net charge-offs to loans | 0.2287% | 3,348 |
| Credit loss provision to net charge-offs | 53.0351% | 4,325 |
| Earnings coverage of net charge-offs (x) | 5.8052% | 2,922 |
| Efficiency ratio | 84.1986% | 1,572 |
| Assets per employee ($millions) | 3.9924% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 6,696 |
| Loan loss allowance to noncurrent loans | 36.8787% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 3,385 |
| Noncurrent loans to loans | 2.0129% | 2,831 |
| Net loans and leases to total assets | 40.1896% | 6,266 |
| Net loans and leases to deposits | 45.2907% | 6,436 |
| Net loans and leases to core deposits | 47.1438% | 6,467 |
| Total domestic deposits to total assets | 88.7370% | 1,573 |
| Equity capital to assets | 10.6549% | 3,659 |
| Core capital (leverage) ratio | 10.1950% | 3,290 |
| Tier 1 risk-based capital ratio | 13.6084% | 4,805 |
| Total risk-based capital ratio | 14.0149% | 5,390 |
| Memoranda: | ||
| Average total assets | $470,348,250 | 1,422 |
| Average earning assets | $419,231,750 | 1,449 |
| Average equity | $47,789,750 | 1,478 |
| Average total loans | $182,508,250 | 2,196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 4,645 |
| Cost of funding earning assets | 1.1661% | 961 |
| Net interest margin | 3.1145% | 5,964 |
| Noninterest income to average assets | 0.5261% | 3,745 |
| Noninterest expense to average assets | 2.7501% | 4,217 |
| Loan and lease loss provision to assets | 0.0198% | 5,419 |
| Net operating income to assets | 0.4072% | 5,188 |
| Return on assets (ROA) | -0.4071% | 6,734 |
| Pretax return on assets | -0.7446% | 6,830 |
| Return on Equity (ROE) | -4.0706% | 6,727 |
| Retained earnings to average equity (ytd only) | -4.0706% | 6,554 |
| Net charge-offs to loans | 0.2757% | 2,936 |
| Credit loss provision to net charge-offs | 18.8000% | 4,628 |
| Earnings coverage of net charge-offs (x) | 5.1920% | 2,889 |
| Efficiency ratio | 83.3952% | 1,695 |
| Assets per employee ($millions) | 4.1020% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 6,791 |
| Loan loss allowance to noncurrent loans | 43.6820% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 3,943 |
| Noncurrent loans to loans | 1.6665% | 3,399 |
| Net loans and leases to total assets | 38.2744% | 6,458 |
| Net loans and leases to deposits | 43.4352% | 6,580 |
| Net loans and leases to core deposits | 45.2197% | 6,610 |
| Total domestic deposits to total assets | 88.1185% | 2,063 |
| Equity capital to assets | 10.1839% | 4,072 |
| Core capital (leverage) ratio | 10.1037% | 3,270 |
| Tier 1 risk-based capital ratio | 13.4848% | 4,836 |
| Total risk-based capital ratio | 13.8642% | 5,467 |
| Memoranda: | ||
| Average total assets | $474,087,330 | 1,415 |
| Average earning assets | $421,903,670 | 1,450 |
| Average equity | $47,413,000 | 1,477 |
| Average total loans | $181,376,670 | 2,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 4,482 |
| Cost of funding earning assets | 1.2276% | 857 |
| Net interest margin | 3.1310% | 5,955 |
| Noninterest income to average assets | 0.5563% | 3,527 |
| Noninterest expense to average assets | 2.8540% | 3,805 |
| Loan and lease loss provision to assets | 0.0244% | 5,040 |
| Net operating income to assets | 0.3814% | 5,338 |
| Return on assets (ROA) | -0.7331% | 6,948 |
| Pretax return on assets | -1.2835% | 7,034 |
| Return on Equity (ROE) | -7.3971% | 6,932 |
| Retained earnings to average equity (ytd only) | -7.3971% | 6,732 |
| Net charge-offs to loans | 0.5079% | 1,817 |
| Credit loss provision to net charge-offs | 12.6087% | 3,871 |
| Earnings coverage of net charge-offs (x) | 2.4913% | 3,171 |
| Efficiency ratio | 85.5449% | 1,521 |
| Assets per employee ($millions) | 4.1016% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 6,828 |
| Loan loss allowance to noncurrent loans | 42.9311% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 4,007 |
| Noncurrent loans to loans | 1.7228% | 3,524 |
| Net loans and leases to total assets | 37.4307% | 6,529 |
| Net loans and leases to deposits | 42.2661% | 6,643 |
| Net loans and leases to core deposits | 43.9034% | 6,658 |
| Total domestic deposits to total assets | 88.5596% | 1,976 |
| Equity capital to assets | 9.8069% | 4,361 |
| Core capital (leverage) ratio | 10.0844% | 3,262 |
| Tier 1 risk-based capital ratio | 13.1389% | 5,102 |
| Total risk-based capital ratio | 13.5097% | 5,757 |
| Memoranda: | ||
| Average total assets | $475,268,500 | 1,409 |
| Average earning assets | $421,977,500 | 1,451 |
| Average equity | $47,099,500 | 1,479 |
| Average total loans | $181,128,000 | 2,223 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 4,044 |
| Cost of funding earning assets | 1.6118% | 458 |
| Net interest margin | 3.1362% | 6,256 |
| Noninterest income to average assets | 0.7067% | 2,562 |
| Noninterest expense to average assets | 2.8127% | 4,300 |
| Loan and lease loss provision to assets | 0.0126% | 6,380 |
| Net operating income to assets | 0.4632% | 4,572 |
| Return on assets (ROA) | -0.0226% | 6,182 |
| Pretax return on assets | -0.1060% | 6,217 |
| Return on Equity (ROE) | -0.2280% | 6,186 |
| Retained earnings to average equity (ytd only) | -0.2280% | 5,891 |
| Net charge-offs to loans | 0.0510% | 5,807 |
| Credit loss provision to net charge-offs | 63.5417% | 5,070 |
| Earnings coverage of net charge-offs (x) | 33.4792% | 773 |
| Efficiency ratio | 80.8634% | 2,179 |
| Assets per employee ($millions) | 3.9562% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 6,908 |
| Loan loss allowance to noncurrent loans | 31.4815% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 3,726 |
| Noncurrent loans to loans | 2.2151% | 2,936 |
| Net loans and leases to total assets | 38.2441% | 6,643 |
| Net loans and leases to deposits | 44.3541% | 6,705 |
| Net loans and leases to core deposits | 46.1158% | 6,731 |
| Total domestic deposits to total assets | 86.2245% | 3,183 |
| Equity capital to assets | 10.0135% | 4,154 |
| Core capital (leverage) ratio | 10.3244% | 2,941 |
| Tier 1 risk-based capital ratio | 12.7177% | 5,296 |
| Total risk-based capital ratio | 13.0467% | 5,940 |
| Memoranda: | ||
| Average total assets | $482,839,800 | 1,380 |
| Average earning assets | $426,732,600 | 1,417 |
| Average equity | $47,807,200 | 1,422 |
| Average total loans | $188,199,000 | 2,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 3,891 |
| Cost of funding earning assets | 1.6943% | 404 |
| Net interest margin | 3.1344% | 6,331 |
| Noninterest income to average assets | 0.7004% | 2,607 |
| Noninterest expense to average assets | 2.8233% | 4,259 |
| Loan and lease loss provision to assets | 0.0082% | 6,326 |
| Net operating income to assets | 0.4540% | 4,752 |
| Return on assets (ROA) | -0.0099% | 6,272 |
| Pretax return on assets | -0.0844% | 6,322 |
| Return on Equity (ROE) | -0.1003% | 6,277 |
| Retained earnings to average equity (ytd only) | -0.1003% | 5,986 |
| Net charge-offs to loans | 0.0457% | 5,533 |
| Credit loss provision to net charge-offs | 46.1538% | 5,117 |
| Earnings coverage of net charge-offs (x) | 36.2941% | 824 |
| Efficiency ratio | 81.3163% | 2,071 |
| Assets per employee ($millions) | 3.9724% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 6,980 |
| Loan loss allowance to noncurrent loans | 34.5810% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3249% | 4,155 |
| Noncurrent loans to loans | 1.9955% | 3,375 |
| Net loans and leases to total assets | 38.8156% | 6,722 |
| Net loans and leases to deposits | 45.0490% | 6,788 |
| Net loans and leases to core deposits | 46.7529% | 6,812 |
| Total domestic deposits to total assets | 86.1631% | 3,121 |
| Equity capital to assets | 10.0818% | 4,232 |
| Core capital (leverage) ratio | 10.4339% | 2,954 |
| Tier 1 risk-based capital ratio | 12.3469% | 5,624 |
| Total risk-based capital ratio | 12.6642% | 6,287 |
| Memoranda: | ||
| Average total assets | $484,862,750 | 1,381 |
| Average earning assets | $428,730,750 | 1,420 |
| Average equity | $47,874,250 | 1,430 |
| Average total loans | $189,539,250 | 2,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 3,761 |
| Cost of funding earning assets | 1.7800% | 339 |
| Net interest margin | 3.0881% | 6,432 |
| Noninterest income to average assets | 0.6774% | 2,665 |
| Noninterest expense to average assets | 2.8418% | 4,269 |
| Loan and lease loss provision to assets | -0.0049% | 7,359 |
| Net operating income to assets | 0.4101% | 4,896 |
| Return on assets (ROA) | 0.0004% | 6,301 |
| Pretax return on assets | -0.0667% | 6,328 |
| Return on Equity (ROE) | 0.0042% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.0042% | 5,829 |
| Net charge-offs to loans | 0.0241% | 5,495 |
| Credit loss provision to net charge-offs | -52.1739% | 6,252 |
| Earnings coverage of net charge-offs (x) | 60.4348% | 539 |
| Efficiency ratio | 83.3273% | 1,908 |
| Assets per employee ($millions) | 4.0602% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 7,046 |
| Loan loss allowance to noncurrent loans | 39.3397% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 4,346 |
| Noncurrent loans to loans | 1.7229% | 3,852 |
| Net loans and leases to total assets | 38.9980% | 6,801 |
| Net loans and leases to deposits | 45.2546% | 6,867 |
| Net loans and leases to core deposits | 47.0168% | 6,893 |
| Total domestic deposits to total assets | 86.1746% | 3,230 |
| Equity capital to assets | 10.1028% | 4,012 |
| Core capital (leverage) ratio | 10.3599% | 2,869 |
| Tier 1 risk-based capital ratio | 11.7482% | 5,975 |
| Total risk-based capital ratio | 12.0486% | 6,638 |
| Memoranda: | ||
| Average total assets | $488,912,330 | 1,373 |
| Average earning assets | $432,691,330 | 1,421 |
| Average equity | $47,946,330 | 1,410 |
| Average total loans | $191,131,670 | 2,166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 4,038 |
| Cost of funding earning assets | 1.8498% | 315 |
| Net interest margin | 2.9549% | 6,666 |
| Noninterest income to average assets | 0.7217% | 2,436 |
| Noninterest expense to average assets | 2.9080% | 4,029 |
| Loan and lease loss provision to assets | -0.0227% | 7,456 |
| Net operating income to assets | 0.3386% | 5,231 |
| Return on assets (ROA) | -0.1150% | 6,494 |
| Pretax return on assets | -0.2560% | 6,583 |
| Return on Equity (ROE) | -1.1903% | 6,509 |
| Retained earnings to average equity (ytd only) | -1.1903% | 6,024 |
| Net charge-offs to loans | 0.0145% | 4,880 |
| Credit loss provision to net charge-offs | -400.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | 75.8571% | 410 |
| Efficiency ratio | 87.1148% | 1,604 |
| Assets per employee ($millions) | 4.0982% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 7,111 |
| Loan loss allowance to noncurrent loans | 49.0573% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0873% | 4,748 |
| Noncurrent loans to loans | 1.3685% | 4,418 |
| Net loans and leases to total assets | 38.0411% | 6,901 |
| Net loans and leases to deposits | 44.9077% | 6,917 |
| Net loans and leases to core deposits | 46.4247% | 6,955 |
| Total domestic deposits to total assets | 84.7096% | 4,174 |
| Equity capital to assets | 9.6734% | 4,214 |
| Core capital (leverage) ratio | 9.9459% | 3,206 |
| Tier 1 risk-based capital ratio | 11.2632% | 6,296 |
| Total risk-based capital ratio | 11.5531% | 6,888 |
| Memoranda: | ||
| Average total assets | $493,816,500 | 1,371 |
| Average earning assets | $437,244,000 | 1,412 |
| Average equity | $47,718,000 | 1,402 |
| Average total loans | $192,639,500 | 2,178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 2,507 |
| Cost of funding earning assets | 2.2738% | 231 |
| Net interest margin | 3.1650% | 6,354 |
| Noninterest income to average assets | 0.7187% | 2,722 |
| Noninterest expense to average assets | 2.8346% | 4,460 |
| Loan and lease loss provision to assets | 0.0157% | 6,949 |
| Net operating income to assets | 0.5164% | 4,016 |
| Return on assets (ROA) | -0.2156% | 6,186 |
| Pretax return on assets | -0.4904% | 6,313 |
| Return on Equity (ROE) | -2.3357% | 6,210 |
| Retained earnings to average equity (ytd only) | -2.3357% | 6,018 |
| Net charge-offs to loans | 0.0882% | 5,961 |
| Credit loss provision to net charge-offs | 43.5754% | 6,341 |
| Earnings coverage of net charge-offs (x) | 18.5531% | 1,100 |
| Efficiency ratio | 80.9028% | 2,292 |
| Assets per employee ($millions) | 4.0979% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 7,175 |
| Loan loss allowance to noncurrent loans | 41.4951% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 4,442 |
| Noncurrent loans to loans | 1.6160% | 4,079 |
| Net loans and leases to total assets | 39.4621% | 6,996 |
| Net loans and leases to deposits | 46.9412% | 7,002 |
| Net loans and leases to core deposits | 48.6381% | 7,039 |
| Total domestic deposits to total assets | 84.0670% | 4,333 |
| Equity capital to assets | 9.6527% | 4,209 |
| Core capital (leverage) ratio | 9.9990% | 3,094 |
| Tier 1 risk-based capital ratio | 11.5314% | 5,878 |
| Total risk-based capital ratio | 11.8372% | 6,615 |
| Memoranda: | ||
| Average total assets | $496,331,400 | 1,359 |
| Average earning assets | $436,750,400 | 1,394 |
| Average equity | $45,811,200 | 1,465 |
| Average total loans | $203,037,800 | 2,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5709% | 2,171 |
| Cost of funding earning assets | 2.3429% | 235 |
| Net interest margin | 3.2280% | 6,258 |
| Noninterest income to average assets | 0.6590% | 3,078 |
| Noninterest expense to average assets | 2.7986% | 4,495 |
| Loan and lease loss provision to assets | 0.0271% | 6,797 |
| Net operating income to assets | 0.5471% | 4,104 |
| Return on assets (ROA) | -0.2865% | 6,468 |
| Pretax return on assets | -0.6317% | 6,637 |
| Return on Equity (ROE) | -3.1396% | 6,505 |
| Retained earnings to average equity (ytd only) | -3.1396% | 6,370 |
| Net charge-offs to loans | 0.0924% | 5,603 |
| Credit loss provision to net charge-offs | 71.1268% | 5,386 |
| Earnings coverage of net charge-offs (x) | 18.3379% | 1,269 |
| Efficiency ratio | 80.0399% | 2,328 |
| Assets per employee ($millions) | 4.1504% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 7,242 |
| Loan loss allowance to noncurrent loans | 45.0066% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,826 |
| Noncurrent loans to loans | 1.4987% | 4,392 |
| Net loans and leases to total assets | 40.5076% | 7,047 |
| Net loans and leases to deposits | 48.2110% | 7,079 |
| Net loans and leases to core deposits | 49.7945% | 7,131 |
| Total domestic deposits to total assets | 84.0216% | 4,118 |
| Equity capital to assets | 9.7829% | 4,435 |
| Core capital (leverage) ratio | 9.8751% | 3,389 |
| Tier 1 risk-based capital ratio | 10.9728% | 6,406 |
| Total risk-based capital ratio | 11.2784% | 7,038 |
| Memoranda: | ||
| Average total assets | $497,477,250 | 1,368 |
| Average earning assets | $437,288,250 | 1,408 |
| Average equity | $45,397,250 | 1,482 |
| Average total loans | $204,956,250 | 2,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 1,708 |
| Cost of funding earning assets | 2.4004% | 237 |
| Net interest margin | 3.3145% | 5,963 |
| Noninterest income to average assets | 0.6037% | 3,315 |
| Noninterest expense to average assets | 2.8442% | 4,295 |
| Loan and lease loss provision to assets | 0.0153% | 6,767 |
| Net operating income to assets | 0.4552% | 4,528 |
| Return on assets (ROA) | 0.0189% | 6,154 |
| Pretax return on assets | -0.0326% | 6,183 |
| Return on Equity (ROE) | 0.2122% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.2122% | 5,665 |
| Net charge-offs to loans | 0.0866% | 5,274 |
| Credit loss provision to net charge-offs | 42.6966% | 5,561 |
| Earnings coverage of net charge-offs (x) | 18.5618% | 1,285 |
| Efficiency ratio | 81.0637% | 2,291 |
| Assets per employee ($millions) | 4.1706% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 7,312 |
| Loan loss allowance to noncurrent loans | 52.6520% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 5,240 |
| Noncurrent loans to loans | 1.2664% | 4,850 |
| Net loans and leases to total assets | 40.4839% | 7,138 |
| Net loans and leases to deposits | 47.9347% | 7,165 |
| Net loans and leases to core deposits | 49.3900% | 7,237 |
| Total domestic deposits to total assets | 84.4563% | 3,894 |
| Equity capital to assets | 9.2461% | 5,086 |
| Core capital (leverage) ratio | 10.1120% | 3,047 |
| Tier 1 risk-based capital ratio | 10.5609% | 6,640 |
| Total risk-based capital ratio | 10.8428% | 7,225 |
| Memoranda: | ||
| Average total assets | $497,289,000 | 1,367 |
| Average earning assets | $435,839,670 | 1,425 |
| Average equity | $44,288,670 | 1,509 |
| Average total loans | $205,570,000 | 2,165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 1,246 |
| Cost of funding earning assets | 2.4353% | 270 |
| Net interest margin | 3.4457% | 5,394 |
| Noninterest income to average assets | 0.5051% | 4,013 |
| Noninterest expense to average assets | 2.9389% | 3,915 |
| Loan and lease loss provision to assets | 0.0145% | 6,476 |
| Net operating income to assets | 0.4070% | 4,807 |
| Return on assets (ROA) | -0.0315% | 6,436 |
| Pretax return on assets | -0.1146% | 6,478 |
| Return on Equity (ROE) | -0.3603% | 6,451 |
| Retained earnings to average equity (ytd only) | -0.3603% | 5,910 |
| Net charge-offs to loans | 0.0950% | 4,463 |
| Credit loss provision to net charge-offs | 36.7347% | 4,698 |
| Earnings coverage of net charge-offs (x) | 14.7959% | 1,409 |
| Efficiency ratio | 83.3982% | 2,087 |
| Assets per employee ($millions) | 4.1743% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 7,389 |
| Loan loss allowance to noncurrent loans | 63.9481% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 5,144 |
| Noncurrent loans to loans | 1.0540% | 5,234 |
| Net loans and leases to total assets | 40.5972% | 7,212 |
| Net loans and leases to deposits | 47.7040% | 7,246 |
| Net loans and leases to core deposits | 49.2135% | 7,314 |
| Total domestic deposits to total assets | 85.1022% | 3,608 |
| Equity capital to assets | 8.6416% | 5,813 |
| Core capital (leverage) ratio | 10.0291% | 3,135 |
| Tier 1 risk-based capital ratio | 10.4653% | 6,662 |
| Total risk-based capital ratio | 10.7493% | 7,299 |
| Memoranda: | ||
| Average total assets | $495,699,500 | 1,402 |
| Average earning assets | $434,283,500 | 1,466 |
| Average equity | $43,296,000 | 1,547 |
| Average total loans | $206,370,500 | 2,214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2257% | 1,174 |
| Cost of funding earning assets | 2.8703% | 344 |
| Net interest margin | 3.3553% | 5,541 |
| Noninterest income to average assets | 0.6748% | 3,117 |
| Noninterest expense to average assets | 2.7412% | 5,191 |
| Loan and lease loss provision to assets | 0.4904% | 3,922 |
| Net operating income to assets | 0.4583% | 3,896 |
| Return on assets (ROA) | 0.0712% | 5,332 |
| Pretax return on assets | 0.0169% | 5,402 |
| Return on Equity (ROE) | 0.7792% | 5,297 |
| Retained earnings to average equity (ytd only) | 0.7792% | 4,465 |
| Net charge-offs to loans | 0.1584% | 5,691 |
| Credit loss provision to net charge-offs | 708.8235% | 410 |
| Earnings coverage of net charge-offs (x) | 12.9265% | 1,463 |
| Efficiency ratio | 75.3988% | 3,634 |
| Assets per employee ($millions) | 4.1217% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 7,415 |
| Loan loss allowance to noncurrent loans | 45.5631% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 4,250 |
| Noncurrent loans to loans | 1.4899% | 4,432 |
| Net loans and leases to total assets | 42.1199% | 7,244 |
| Net loans and leases to deposits | 49.6592% | 7,277 |
| Net loans and leases to core deposits | 64.0478% | 7,086 |
| Total domestic deposits to total assets | 84.8181% | 3,641 |
| Equity capital to assets | 8.8290% | 5,383 |
| Core capital (leverage) ratio | 10.2489% | 2,827 |
| Tier 1 risk-based capital ratio | 10.1761% | 6,706 |
| Total risk-based capital ratio | 10.4594% | 7,372 |
| Memoranda: | ||
| Average total assets | $491,386,600 | 1,409 |
| Average earning assets | $433,606,200 | 1,461 |
| Average equity | $44,919,200 | 1,495 |
| Average total loans | $214,709,400 | 2,150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2836% | 1,171 |
| Cost of funding earning assets | 2.9654% | 363 |
| Net interest margin | 3.3182% | 5,574 |
| Noninterest income to average assets | 0.6783% | 3,166 |
| Noninterest expense to average assets | 2.7663% | 5,032 |
| Loan and lease loss provision to assets | 0.3686% | 4,109 |
| Net operating income to assets | 0.4133% | 4,349 |
| Return on assets (ROA) | 0.2346% | 5,120 |
| Pretax return on assets | 0.2718% | 5,130 |
| Return on Equity (ROE) | 2.5446% | 4,968 |
| Retained earnings to average equity (ytd only) | 2.5446% | 3,895 |
| Net charge-offs to loans | 0.1565% | 5,144 |
| Credit loss provision to net charge-offs | 535.0394% | 734 |
| Earnings coverage of net charge-offs (x) | 12.3110% | 1,773 |
| Efficiency ratio | 76.5364% | 3,414 |
| Assets per employee ($millions) | 3.7575% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6743% | 7,433 |
| Loan loss allowance to noncurrent loans | 32.4717% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 4,154 |
| Noncurrent loans to loans | 2.0765% | 3,531 |
| Net loans and leases to total assets | 43.0932% | 7,308 |
| Net loans and leases to deposits | 50.8549% | 7,370 |
| Net loans and leases to core deposits | 65.3135% | 7,191 |
| Total domestic deposits to total assets | 84.7375% | 3,350 |
| Equity capital to assets | 8.7974% | 5,800 |
| Core capital (leverage) ratio | 10.5238% | 2,773 |
| Tier 1 risk-based capital ratio | 10.3297% | 6,648 |
| Total risk-based capital ratio | 10.6133% | 7,434 |
| Memoranda: | ||
| Average total assets | $491,612,000 | 1,418 |
| Average earning assets | $435,006,500 | 1,465 |
| Average equity | $45,322,750 | 1,504 |
| Average total loans | $216,385,750 | 2,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2644% | 1,300 |
| Cost of funding earning assets | 3.0840% | 368 |
| Net interest margin | 3.1804% | 5,978 |
| Noninterest income to average assets | 0.6923% | 3,039 |
| Noninterest expense to average assets | 2.7021% | 5,379 |
| Loan and lease loss provision to assets | 0.1454% | 5,619 |
| Net operating income to assets | 0.4820% | 4,165 |
| Return on assets (ROA) | 0.4823% | 4,277 |
| Pretax return on assets | 0.6677% | 4,106 |
| Return on Equity (ROE) | 5.1547% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.1547% | 2,424 |
| Net charge-offs to loans | 0.1151% | 5,006 |
| Credit loss provision to net charge-offs | 285.7143% | 1,635 |
| Earnings coverage of net charge-offs (x) | 15.9683% | 1,560 |
| Efficiency ratio | 76.8789% | 3,527 |
| Assets per employee ($millions) | 4.0236% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 7,572 |
| Loan loss allowance to noncurrent loans | 22.3996% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6874% | 3,656 |
| Noncurrent loans to loans | 2.8319% | 2,544 |
| Net loans and leases to total assets | 42.5384% | 7,415 |
| Net loans and leases to deposits | 50.7412% | 7,452 |
| Net loans and leases to core deposits | 64.4138% | 7,282 |
| Total domestic deposits to total assets | 83.8342% | 3,855 |
| Equity capital to assets | 9.4816% | 4,635 |
| Core capital (leverage) ratio | 10.4708% | 2,835 |
| Tier 1 risk-based capital ratio | 15.0995% | 2,981 |
| Total risk-based capital ratio | 15.4764% | 3,322 |
| Memoranda: | ||
| Average total assets | $495,163,330 | 1,427 |
| Average earning assets | $439,435,330 | 1,469 |
| Average equity | $46,326,330 | 1,486 |
| Average total loans | $218,958,670 | 2,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2588% | 1,413 |
| Cost of funding earning assets | 3.0542% | 522 |
| Net interest margin | 3.2046% | 5,843 |
| Noninterest income to average assets | 0.5582% | 3,856 |
| Noninterest expense to average assets | 2.6342% | 5,302 |
| Loan and lease loss provision to assets | 0.1030% | 5,652 |
| Net operating income to assets | 0.4780% | 4,531 |
| Return on assets (ROA) | 0.4786% | 4,717 |
| Pretax return on assets | 0.6684% | 4,529 |
| Return on Equity (ROE) | 5.1495% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.1495% | 3,042 |
| Net charge-offs to loans | 0.0627% | 4,578 |
| Credit loss provision to net charge-offs | 365.7143% | 1,396 |
| Earnings coverage of net charge-offs (x) | 27.3714% | 1,134 |
| Efficiency ratio | 77.3683% | 3,274 |
| Assets per employee ($millions) | 4.1385% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 7,648 |
| Loan loss allowance to noncurrent loans | 35.0914% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 4,114 |
| Noncurrent loans to loans | 1.7310% | 3,666 |
| Net loans and leases to total assets | 42.5595% | 7,430 |
| Net loans and leases to deposits | 53.5057% | 7,317 |
| Net loans and leases to core deposits | 67.3792% | 7,170 |
| Total domestic deposits to total assets | 79.5421% | 5,529 |
| Equity capital to assets | 9.1276% | 5,186 |
| Core capital (leverage) ratio | 9.9513% | 3,455 |
| Tier 1 risk-based capital ratio | 14.2765% | 3,444 |
| Total risk-based capital ratio | 14.6239% | 3,854 |
| Memoranda: | ||
| Average total assets | $497,307,000 | 1,427 |
| Average earning assets | $441,746,000 | 1,467 |
| Average equity | $46,218,000 | 1,498 |
| Average total loans | $223,366,000 | 2,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3157% | 3,877 |
| Cost of funding earning assets | 3.4022% | 707 |
| Net interest margin | 2.9134% | 7,126 |
| Noninterest income to average assets | 0.7022% | 3,114 |
| Noninterest expense to average assets | 2.7316% | 5,125 |
| Loan and lease loss provision to assets | 0.1797% | 5,099 |
| Net operating income to assets | 0.3757% | 5,250 |
| Return on assets (ROA) | 0.3775% | 5,054 |
| Pretax return on assets | 0.3884% | 5,292 |
| Return on Equity (ROE) | 3.7069% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.7069% | 2,836 |
| Net charge-offs to loans | 0.2226% | 4,003 |
| Credit loss provision to net charge-offs | 171.4571% | 2,979 |
| Earnings coverage of net charge-offs (x) | 5.4032% | 3,656 |
| Efficiency ratio | 82.3112% | 2,266 |
| Assets per employee ($millions) | 3.9478% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5823% | 7,708 |
| Loan loss allowance to noncurrent loans | 49.2058% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 4,222 |
| Noncurrent loans to loans | 1.1833% | 4,149 |
| Net loans and leases to total assets | 46.8376% | 7,265 |
| Net loans and leases to deposits | 59.6085% | 7,123 |
| Net loans and leases to core deposits | 73.9534% | 6,968 |
| Total domestic deposits to total assets | 78.5753% | 5,522 |
| Equity capital to assets | 9.4678% | 4,736 |
| Core capital (leverage) ratio | 10.2308% | 3,234 |
| Tier 1 risk-based capital ratio | 20.1774% | 1,589 |
| Total risk-based capital ratio | 20.6596% | 1,689 |
| Memoranda: | ||
| Average total assets | $478,102,000 | 1,435 |
| Average earning assets | $425,956,800 | 1,466 |
| Average equity | $48,693,600 | 1,408 |
| Average total loans | $225,051,200 | 2,084 |