Home > TC FEDERAL BANK > Performance and Condition Ratios
TC FEDERAL BANK, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 1,646 |
| Cost of funding earning assets | 2.4384% | 961 |
| Net interest margin | 3.2699% | 2,834 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 2.8012% | 1,517 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.3400% | 3,813 |
| Return on assets (ROA) | 0.3400% | 3,836 |
| Pretax return on assets | 0.4453% | 3,790 |
| Return on Equity (ROE) | 2.6000% | 3,920 |
| Retained earnings to average equity (ytd only) | 2.6030% | 3,182 |
| Net charge-offs to loans | -0.0323% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 85.3681% | 670 |
| Assets per employee ($millions) | 8.0664% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 1,803 |
| Loan loss allowance to noncurrent loans | 177.0229% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 1,368 |
| Noncurrent loans to loans | 0.7211% | 1,430 |
| Net loans and leases to total assets | 74.2000% | 1,306 |
| Net loans and leases to deposits | 88.7171% | 1,238 |
| Net loans and leases to core deposits | 104.3833% | 1,115 |
| Total domestic deposits to total assets | 83.6300% | 3,000 |
| Equity capital to assets | 12.9192% | 945 |
| Core capital (leverage) ratio | 13.4119% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3308% | 722 |
| Memoranda: | ||
| Average total assets | $528,196,000 | 1,719 |
| Average earning assets | $500,817,000 | 1,681 |
| Average equity | $68,997,500 | 1,373 |
| Average total loans | $408,073,500 | 1,534 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 1,820 |
| Cost of funding earning assets | 2.5238% | 1,109 |
| Net interest margin | 3.1415% | 2,844 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.9169% | 1,289 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.1465% | 4,044 |
| Return on assets (ROA) | 0.1465% | 4,076 |
| Pretax return on assets | 0.1925% | 4,040 |
| Return on Equity (ROE) | 1.0800% | 4,095 |
| Retained earnings to average equity (ytd only) | 1.0775% | 3,654 |
| Net charge-offs to loans | -0.0952% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 92.2750% | 427 |
| Assets per employee ($millions) | 7.8173% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 1,882 |
| Loan loss allowance to noncurrent loans | 171.2197% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 1,244 |
| Noncurrent loans to loans | 0.7340% | 1,350 |
| Net loans and leases to total assets | 78.4600% | 843 |
| Net loans and leases to deposits | 93.2546% | 920 |
| Net loans and leases to core deposits | 105.1963% | 1,169 |
| Total domestic deposits to total assets | 84.1400% | 2,750 |
| Equity capital to assets | 13.2134% | 840 |
| Core capital (leverage) ratio | 13.6363% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4506% | 716 |
| Memoranda: | ||
| Average total assets | $491,410,000 | 1,792 |
| Average earning assets | $463,858,000 | 1,766 |
| Average equity | $66,818,600 | 1,369 |
| Average total loans | $389,785,200 | 1,559 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 1,902 |
| Cost of funding earning assets | 2.4901% | 1,188 |
| Net interest margin | 3.1101% | 2,875 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 2.9244% | 1,210 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.0898% | 4,125 |
| Return on assets (ROA) | 0.0898% | 4,153 |
| Pretax return on assets | 0.1170% | 4,132 |
| Return on Equity (ROE) | 0.6600% | 4,175 |
| Retained earnings to average equity (ytd only) | 0.6558% | 3,814 |
| Net charge-offs to loans | -0.0797% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 93.5407% | 415 |
| Assets per employee ($millions) | 8.0849% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 1,595 |
| Loan loss allowance to noncurrent loans | 919.0476% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,962 |
| Noncurrent loans to loans | 0.1444% | 2,964 |
| Net loans and leases to total assets | 74.8600% | 1,266 |
| Net loans and leases to deposits | 90.2289% | 1,227 |
| Net loans and leases to core deposits | 101.7266% | 1,384 |
| Total domestic deposits to total assets | 82.9600% | 2,861 |
| Equity capital to assets | 13.1126% | 943 |
| Core capital (leverage) ratio | 13.9782% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9202% | 691 |
| Memoranda: | ||
| Average total assets | $485,277,500 | 1,800 |
| Average earning assets | $457,637,000 | 1,783 |
| Average equity | $66,480,000 | 1,362 |
| Average total loans | $384,741,500 | 1,571 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 1,846 |
| Cost of funding earning assets | 2.4367% | 1,191 |
| Net interest margin | 3.1307% | 2,793 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.9876% | 1,121 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.0531% | 4,176 |
| Return on assets (ROA) | 0.0531% | 4,204 |
| Pretax return on assets | 0.0674% | 4,185 |
| Return on Equity (ROE) | 0.3800% | 4,213 |
| Retained earnings to average equity (ytd only) | 0.3817% | 3,748 |
| Net charge-offs to loans | 0.0141% | 1,909 |
| Credit loss provision to net charge-offs | 533.3333% | 603 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,846 |
| Efficiency ratio | 95.1288% | 403 |
| Assets per employee ($millions) | 7.2029% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 1,835 |
| Loan loss allowance to noncurrent loans | 867.6007% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,863 |
| Noncurrent loans to loans | 0.1474% | 2,912 |
| Net loans and leases to total assets | 79.2500% | 768 |
| Net loans and leases to deposits | 96.5931% | 748 |
| Net loans and leases to core deposits | 107.8389% | 1,054 |
| Total domestic deposits to total assets | 82.0400% | 3,068 |
| Equity capital to assets | 13.7532% | 724 |
| Core capital (leverage) ratio | 14.4079% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3489% | 651 |
| Memoranda: | ||
| Average total assets | $474,559,000 | 1,822 |
| Average earning assets | $446,668,333 | 1,800 |
| Average equity | $66,023,667 | 1,366 |
| Average total loans | $382,141,000 | 1,574 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 1,885 |
| Cost of funding earning assets | 2.3999% | 1,171 |
| Net interest margin | 3.0623% | 2,876 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 2.9931% | 1,101 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.0349% | 4,194 |
| Return on assets (ROA) | 0.0349% | 4,235 |
| Pretax return on assets | 0.0425% | 4,210 |
| Return on Equity (ROE) | 0.2500% | 4,229 |
| Retained earnings to average equity (ytd only) | 0.2491% | 3,648 |
| Net charge-offs to loans | -0.0232% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 97.0507% | 359 |
| Assets per employee ($millions) | 7.1905% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 1,852 |
| Loan loss allowance to noncurrent loans | 399.7547% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 2,083 |
| Noncurrent loans to loans | 0.3203% | 2,181 |
| Net loans and leases to total assets | 79.4300% | 679 |
| Net loans and leases to deposits | 96.9916% | 650 |
| Net loans and leases to core deposits | 104.6043% | 1,173 |
| Total domestic deposits to total assets | 81.8900% | 3,196 |
| Equity capital to assets | 13.8950% | 688 |
| Core capital (leverage) ratio | 14.5570% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5661% | 642 |
| Memoranda: | ||
| Average total assets | $470,541,500 | 1,838 |
| Average earning assets | $442,679,000 | 1,817 |
| Average equity | $65,849,500 | 1,356 |
| Average total loans | $379,513,500 | 1,575 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 1,958 |
| Cost of funding earning assets | 1.6744% | 1,507 |
| Net interest margin | 3.3828% | 2,440 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.2784% | 757 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.0853% | 4,265 |
| Return on assets (ROA) | 0.0853% | 4,289 |
| Pretax return on assets | 0.1175% | 4,262 |
| Return on Equity (ROE) | 0.5800% | 4,298 |
| Retained earnings to average equity (ytd only) | 0.5810% | 3,940 |
| Net charge-offs to loans | -0.0128% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 95.4760% | 271 |
| Assets per employee ($millions) | 7.1771% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 1,863 |
| Loan loss allowance to noncurrent loans | 375.5435% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 1,842 |
| Noncurrent loans to loans | 0.3415% | 1,958 |
| Net loans and leases to total assets | 79.8200% | 660 |
| Net loans and leases to deposits | 97.8640% | 661 |
| Net loans and leases to core deposits | 108.1743% | 1,029 |
| Total domestic deposits to total assets | 81.5600% | 3,211 |
| Equity capital to assets | 14.0955% | 667 |
| Core capital (leverage) ratio | 15.1567% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9623% | 611 |
| Memoranda: | ||
| Average total assets | $438,380,600 | 1,893 |
| Average earning assets | $411,547,200 | 1,872 |
| Average equity | $64,371,000 | 1,326 |
| Average total loans | $351,305,400 | 1,607 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 1,857 |
| Cost of funding earning assets | 1.5330% | 1,526 |
| Net interest margin | 3.4529% | 2,328 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.3139% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1481% | 4,282 |
| Return on assets (ROA) | 0.1481% | 4,297 |
| Pretax return on assets | 0.1991% | 4,264 |
| Return on Equity (ROE) | 1.0000% | 4,315 |
| Retained earnings to average equity (ytd only) | 0.9975% | 3,950 |
| Net charge-offs to loans | -0.0139% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.3252% | 262 |
| Assets per employee ($millions) | 6.8703% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 1,856 |
| Loan loss allowance to noncurrent loans | 530.1930% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 2,268 |
| Noncurrent loans to loans | 0.2458% | 2,366 |
| Net loans and leases to total assets | 80.4600% | 593 |
| Net loans and leases to deposits | 98.1518% | 607 |
| Net loans and leases to core deposits | 105.0087% | 1,062 |
| Total domestic deposits to total assets | 81.9800% | 3,211 |
| Equity capital to assets | 14.5833% | 576 |
| Core capital (leverage) ratio | 15.7215% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8868% | 562 |
| Memoranda: | ||
| Average total assets | $431,348,000 | 1,910 |
| Average earning assets | $404,942,750 | 1,892 |
| Average equity | $64,024,500 | 1,319 |
| Average total loans | $344,834,500 | 1,626 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 1,628 |
| Cost of funding earning assets | 1.3935% | 1,464 |
| Net interest margin | 3.5671% | 2,107 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 3.2709% | 713 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2609% | 4,217 |
| Return on assets (ROA) | 0.2609% | 4,238 |
| Pretax return on assets | 0.3491% | 4,183 |
| Return on Equity (ROE) | 1.7500% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.7471% | 3,769 |
| Net charge-offs to loans | -0.0041% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.1711% | 347 |
| Assets per employee ($millions) | 6.4629% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 1,677 |
| Loan loss allowance to noncurrent loans | 3,684.1270% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,495 |
| Noncurrent loans to loans | 0.0369% | 3,471 |
| Net loans and leases to total assets | 79.0600% | 732 |
| Net loans and leases to deposits | 97.0615% | 665 |
| Net loans and leases to core deposits | 105.9459% | 989 |
| Total domestic deposits to total assets | 81.4500% | 3,349 |
| Equity capital to assets | 15.0789% | 518 |
| Core capital (leverage) ratio | 15.7857% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8610% | 492 |
| Memoranda: | ||
| Average total assets | $428,563,667 | 1,923 |
| Average earning assets | $402,734,000 | 1,903 |
| Average equity | $63,991,667 | 1,320 |
| Average total loans | $340,292,667 | 1,628 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 1,569 |
| Cost of funding earning assets | 1.2489% | 1,345 |
| Net interest margin | 3.5756% | 2,179 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.1911% | 811 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3483% | 4,171 |
| Return on assets (ROA) | 0.3483% | 4,126 |
| Pretax return on assets | 0.4749% | 4,023 |
| Return on Equity (ROE) | 2.3400% | 4,258 |
| Retained earnings to average equity (ytd only) | 2.3438% | 3,639 |
| Net charge-offs to loans | -0.0059% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.6937% | 480 |
| Assets per employee ($millions) | 7.1600% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 1,732 |
| Loan loss allowance to noncurrent loans | 1,120.7729% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,766 |
| Noncurrent loans to loans | 0.1223% | 2,903 |
| Net loans and leases to total assets | 77.7000% | 797 |
| Net loans and leases to deposits | 94.1273% | 782 |
| Net loans and leases to core deposits | 104.2920% | 909 |
| Total domestic deposits to total assets | 82.5500% | 3,394 |
| Equity capital to assets | 14.9284% | 489 |
| Core capital (leverage) ratio | 15.5943% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8904% | 508 |
| Memoranda: | ||
| Average total assets | $429,570,000 | 1,943 |
| Average earning assets | $404,523,000 | 1,922 |
| Average equity | $63,828,000 | 1,334 |
| Average total loans | $339,511,000 | 1,653 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 1,774 |
| Cost of funding earning assets | 0.3517% | 2,461 |
| Net interest margin | 3.6236% | 1,580 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.2010% | 725 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4651% | 4,143 |
| Return on assets (ROA) | 0.4651% | 4,103 |
| Pretax return on assets | 0.6428% | 3,953 |
| Return on Equity (ROE) | 3.0300% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.0317% | 3,711 |
| Net charge-offs to loans | -0.0225% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.6924% | 557 |
| Assets per employee ($millions) | 7.2804% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 1,989 |
| Loan loss allowance to noncurrent loans | 787.3646% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 1,701 |
| Noncurrent loans to loans | 0.1627% | 2,679 |
| Net loans and leases to total assets | 78.2700% | 772 |
| Net loans and leases to deposits | 96.7317% | 601 |
| Net loans and leases to core deposits | 104.2245% | 817 |
| Total domestic deposits to total assets | 80.9200% | 3,771 |
| Equity capital to assets | 14.7887% | 490 |
| Core capital (leverage) ratio | 16.2229% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5750% | 510 |
| Memoranda: | ||
| Average total assets | $409,117,000 | 1,996 |
| Average earning assets | $385,557,800 | 1,962 |
| Average equity | $62,770,600 | 1,349 |
| Average total loans | $302,593,600 | 1,709 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 1,720 |
| Cost of funding earning assets | 0.2189% | 3,046 |
| Net interest margin | 3.5935% | 1,405 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.9546% | 965 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7016% | 3,566 |
| Return on assets (ROA) | 0.7016% | 3,523 |
| Pretax return on assets | 0.9161% | 3,269 |
| Return on Equity (ROE) | 4.5300% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.5294% | 3,272 |
| Net charge-offs to loans | -0.0255% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6997% | 1,102 |
| Assets per employee ($millions) | 6.6565% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,736 |
| Loan loss allowance to noncurrent loans | 684.0694% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 1,392 |
| Noncurrent loans to loans | 0.1996% | 2,605 |
| Net loans and leases to total assets | 77.1600% | 785 |
| Net loans and leases to deposits | 93.6624% | 656 |
| Net loans and leases to core deposits | 97.0556% | 949 |
| Total domestic deposits to total assets | 82.3800% | 3,772 |
| Equity capital to assets | 15.3176% | 424 |
| Core capital (leverage) ratio | 16.0620% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8593% | 442 |
| Memoranda: | ||
| Average total assets | $404,010,500 | 2,028 |
| Average earning assets | $380,641,250 | 2,002 |
| Average equity | $62,582,250 | 1,368 |
| Average total loans | $293,095,500 | 1,746 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 1,802 |
| Cost of funding earning assets | 0.1799% | 3,183 |
| Net interest margin | 3.4329% | 1,505 |
| Noninterest income to average assets | 0.5544% | 1,925 |
| Noninterest expense to average assets | 2.9008% | 986 |
| Loan and lease loss provision to assets | 0.0302% | 2,048 |
| Net operating income to assets | 0.6585% | 3,448 |
| Return on assets (ROA) | 0.6585% | 3,396 |
| Pretax return on assets | 0.8588% | 3,175 |
| Return on Equity (ROE) | 4.2353% | 3,982 |
| Retained earnings to average equity (ytd only) | 4.2353% | 3,003 |
| Net charge-offs to loans | -0.0197% | 3,865 |
| Credit loss provision to net charge-offs | -217.8571% | 3,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5406% | 1,216 |
| Assets per employee ($millions) | 6.9556% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,777 |
| Loan loss allowance to noncurrent loans | 749.4737% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 1,442 |
| Noncurrent loans to loans | 0.1862% | 2,773 |
| Net loans and leases to total assets | 70.0004% | 1,298 |
| Net loans and leases to deposits | 83.6653% | 1,143 |
| Net loans and leases to core deposits | 86.6148% | 1,292 |
| Total domestic deposits to total assets | 83.6672% | 3,752 |
| Equity capital to assets | 14.4350% | 471 |
| Core capital (leverage) ratio | 15.8414% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2926% | 462 |
| Memoranda: | ||
| Average total assets | $403,331,333 | 2,042 |
| Average earning assets | $380,149,000 | 2,020 |
| Average equity | $62,710,667 | 1,396 |
| Average total loans | $284,911,667 | 1,778 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 1,442 |
| Cost of funding earning assets | 0.1801% | 3,083 |
| Net interest margin | 3.4421% | 1,200 |
| Noninterest income to average assets | 0.5814% | 1,776 |
| Noninterest expense to average assets | 2.8816% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7171% | 2,994 |
| Return on assets (ROA) | 0.7171% | 2,983 |
| Pretax return on assets | 0.9389% | 2,636 |
| Return on Equity (ROE) | 4.4359% | 3,772 |
| Retained earnings to average equity (ytd only) | 4.4359% | 2,795 |
| Net charge-offs to loans | -0.0408% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4235% | 1,590 |
| Assets per employee ($millions) | 7.1040% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,460 |
| Loan loss allowance to noncurrent loans | 1,376.1438% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 1,678 |
| Noncurrent loans to loans | 0.1112% | 3,276 |
| Net loans and leases to total assets | 68.1310% | 1,202 |
| Net loans and leases to deposits | 82.8432% | 951 |
| Net loans and leases to core deposits | 85.5284% | 1,160 |
| Total domestic deposits to total assets | 82.2410% | 4,048 |
| Equity capital to assets | 15.7431% | 336 |
| Core capital (leverage) ratio | 16.5835% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8141% | 340 |
| Memoranda: | ||
| Average total assets | $389,372,500 | 2,100 |
| Average earning assets | $366,405,000 | 2,089 |
| Average equity | $62,940,500 | 1,434 |
| Average total loans | $274,293,500 | 1,820 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 1,899 |
| Cost of funding earning assets | 0.2877% | 2,527 |
| Net interest margin | 3.5024% | 1,725 |
| Noninterest income to average assets | 0.7585% | 1,570 |
| Noninterest expense to average assets | 3.0964% | 841 |
| Loan and lease loss provision to assets | 0.0326% | 2,396 |
| Net operating income to assets | 0.6959% | 3,639 |
| Return on assets (ROA) | 0.6959% | 3,694 |
| Pretax return on assets | 0.9129% | 3,480 |
| Return on Equity (ROE) | 5.3328% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,655 |
| Net charge-offs to loans | 0.0097% | 2,204 |
| Credit loss provision to net charge-offs | 473.0769% | 826 |
| Earnings coverage of net charge-offs (x) | 137.2692% | 718 |
| Efficiency ratio | 76.6075% | 1,058 |
| Assets per employee ($millions) | 7.0541% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,449 |
| Loan loss allowance to noncurrent loans | 1,010.6280% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 1,625 |
| Noncurrent loans to loans | 0.1515% | 3,180 |
| Net loans and leases to total assets | 70.6578% | 967 |
| Net loans and leases to deposits | 86.9861% | 718 |
| Net loans and leases to core deposits | 89.6163% | 990 |
| Total domestic deposits to total assets | 81.2288% | 4,073 |
| Equity capital to assets | 16.6048% | 317 |
| Core capital (leverage) ratio | 16.6407% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3337% | 335 |
| Memoranda: | ||
| Average total assets | $377,472,000 | 2,074 |
| Average earning assets | $353,867,200 | 2,064 |
| Average equity | $49,261,000 | 1,792 |
| Average total loans | $269,332,000 | 1,839 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 2,239 |
| Cost of funding earning assets | 0.3153% | 2,453 |
| Net interest margin | 3.3993% | 2,157 |
| Noninterest income to average assets | 0.8114% | 1,486 |
| Noninterest expense to average assets | 3.0648% | 869 |
| Loan and lease loss provision to assets | 0.0435% | 2,123 |
| Net operating income to assets | 0.6819% | 3,818 |
| Return on assets (ROA) | 0.6819% | 3,874 |
| Pretax return on assets | 0.8865% | 3,723 |
| Return on Equity (ROE) | 5.6113% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.6113% | 2,994 |
| Net charge-offs to loans | -0.0189% | 3,940 |
| Credit loss provision to net charge-offs | -323.6842% | 3,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7192% | 984 |
| Assets per employee ($millions) | 7.7336% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,470 |
| Loan loss allowance to noncurrent loans | 615.5072% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 1,421 |
| Noncurrent loans to loans | 0.2515% | 2,931 |
| Net loans and leases to total assets | 69.8667% | 1,086 |
| Net loans and leases to deposits | 85.7809% | 840 |
| Net loans and leases to core deposits | 88.3997% | 1,129 |
| Total domestic deposits to total assets | 81.4479% | 4,021 |
| Equity capital to assets | 15.9269% | 425 |
| Core capital (leverage) ratio | 15.8328% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0985% | 369 |
| Memoranda: | ||
| Average total assets | $376,610,250 | 2,103 |
| Average earning assets | $352,693,250 | 2,089 |
| Average equity | $45,763,500 | 1,921 |
| Average total loans | $268,331,750 | 1,875 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 2,296 |
| Cost of funding earning assets | 0.3443% | 2,368 |
| Net interest margin | 3.3686% | 2,244 |
| Noninterest income to average assets | 0.8107% | 1,509 |
| Noninterest expense to average assets | 3.0231% | 947 |
| Loan and lease loss provision to assets | 0.0086% | 2,748 |
| Net operating income to assets | 0.7153% | 3,722 |
| Return on assets (ROA) | 0.7153% | 3,789 |
| Pretax return on assets | 0.9297% | 3,599 |
| Return on Equity (ROE) | 6.5943% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.5943% | 2,585 |
| Net charge-offs to loans | -0.0128% | 3,778 |
| Credit loss provision to net charge-offs | -94.1176% | 3,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3154% | 1,054 |
| Assets per employee ($millions) | 7.3857% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,519 |
| Loan loss allowance to noncurrent loans | 227.0673% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 1,790 |
| Noncurrent loans to loans | 0.6700% | 1,750 |
| Net loans and leases to total assets | 65.6327% | 1,734 |
| Net loans and leases to deposits | 76.0818% | 1,812 |
| Net loans and leases to core deposits | 78.0478% | 2,042 |
| Total domestic deposits to total assets | 86.2660% | 2,641 |
| Equity capital to assets | 10.1189% | 2,750 |
| Core capital (leverage) ratio | 11.2706% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3461% | 1,059 |
| Memoranda: | ||
| Average total assets | $373,254,000 | 2,102 |
| Average earning assets | $349,107,333 | 2,095 |
| Average equity | $40,489,333 | 2,084 |
| Average total loans | $266,306,667 | 1,891 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 1,575 |
| Cost of funding earning assets | 0.3843% | 2,222 |
| Net interest margin | 3.6332% | 1,493 |
| Noninterest income to average assets | 0.8397% | 1,490 |
| Noninterest expense to average assets | 3.1258% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8577% | 3,244 |
| Return on assets (ROA) | 0.8577% | 3,328 |
| Pretax return on assets | 1.1167% | 3,074 |
| Return on Equity (ROE) | 7.6154% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.6154% | 2,376 |
| Net charge-offs to loans | -0.0015% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6786% | 1,340 |
| Assets per employee ($millions) | 6.8608% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,349 |
| Loan loss allowance to noncurrent loans | 225.3032% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 1,818 |
| Noncurrent loans to loans | 0.7009% | 1,837 |
| Net loans and leases to total assets | 70.0503% | 1,283 |
| Net loans and leases to deposits | 82.6902% | 1,280 |
| Net loans and leases to core deposits | 85.4902% | 1,556 |
| Total domestic deposits to total assets | 84.7141% | 3,216 |
| Equity capital to assets | 11.1396% | 1,762 |
| Core capital (leverage) ratio | 11.4783% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1536% | 1,045 |
| Memoranda: | ||
| Average total assets | $356,775,000 | 2,152 |
| Average earning assets | $334,137,000 | 2,154 |
| Average equity | $40,182,000 | 2,079 |
| Average total loans | $264,096,500 | 1,901 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,094 |
| Cost of funding earning assets | 0.7622% | 1,387 |
| Net interest margin | 3.4521% | 2,623 |
| Noninterest income to average assets | 0.6242% | 2,122 |
| Noninterest expense to average assets | 3.3498% | 846 |
| Loan and lease loss provision to assets | 0.2342% | 1,663 |
| Net operating income to assets | 0.2063% | 4,566 |
| Return on assets (ROA) | 0.2063% | 4,624 |
| Pretax return on assets | 0.2561% | 4,598 |
| Return on Equity (ROE) | 1.7042% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.7042% | 3,949 |
| Net charge-offs to loans | -0.0909% | 4,793 |
| Credit loss provision to net charge-offs | -322.3140% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2322% | 482 |
| Assets per employee ($millions) | 6.4872% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,526 |
| Loan loss allowance to noncurrent loans | 210.1852% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 1,829 |
| Noncurrent loans to loans | 0.7216% | 1,892 |
| Net loans and leases to total assets | 75.7339% | 816 |
| Net loans and leases to deposits | 90.0473% | 926 |
| Net loans and leases to core deposits | 93.3958% | 1,281 |
| Total domestic deposits to total assets | 84.1045% | 3,085 |
| Equity capital to assets | 11.4865% | 1,893 |
| Core capital (leverage) ratio | 11.8397% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8483% | 1,085 |
| Memoranda: | ||
| Average total assets | $333,060,800 | 2,123 |
| Average earning assets | $310,275,400 | 2,114 |
| Average equity | $40,313,200 | 2,013 |
| Average total loans | $266,338,400 | 1,844 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 2,171 |
| Cost of funding earning assets | 0.8542% | 1,239 |
| Net interest margin | 3.4232% | 2,838 |
| Noninterest income to average assets | 0.5572% | 2,363 |
| Noninterest expense to average assets | 3.0186% | 1,406 |
| Loan and lease loss provision to assets | 0.3164% | 1,255 |
| Net operating income to assets | 0.3212% | 4,409 |
| Return on assets (ROA) | 0.3212% | 4,462 |
| Pretax return on assets | 0.4096% | 4,418 |
| Return on Equity (ROE) | 2.6182% | 4,457 |
| Retained earnings to average equity (ytd only) | 2.6182% | 3,681 |
| Net charge-offs to loans | -0.1014% | 4,825 |
| Credit loss provision to net charge-offs | -386.1386% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6130% | 832 |
| Assets per employee ($millions) | 6.4003% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 1,565 |
| Loan loss allowance to noncurrent loans | 182.1702% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 1,528 |
| Noncurrent loans to loans | 0.7914% | 1,842 |
| Net loans and leases to total assets | 81.5345% | 476 |
| Net loans and leases to deposits | 97.6131% | 650 |
| Net loans and leases to core deposits | 101.6323% | 1,052 |
| Total domestic deposits to total assets | 83.5282% | 2,981 |
| Equity capital to assets | 12.0737% | 1,634 |
| Core capital (leverage) ratio | 11.8679% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6486% | 1,338 |
| Memoranda: | ||
| Average total assets | $328,749,250 | 2,122 |
| Average earning assets | $306,100,500 | 2,125 |
| Average equity | $40,332,000 | 2,000 |
| Average total loans | $265,576,250 | 1,839 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,477 |
| Cost of funding earning assets | 0.9456% | 1,168 |
| Net interest margin | 3.3532% | 3,238 |
| Noninterest income to average assets | 0.4753% | 2,681 |
| Noninterest expense to average assets | 2.8728% | 1,907 |
| Loan and lease loss provision to assets | 0.3689% | 1,133 |
| Net operating income to assets | 0.2822% | 4,449 |
| Return on assets (ROA) | 0.2822% | 4,488 |
| Pretax return on assets | 0.3560% | 4,458 |
| Return on Equity (ROE) | 2.2879% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.2879% | 3,646 |
| Net charge-offs to loans | -0.1174% | 4,872 |
| Credit loss provision to net charge-offs | -392.1569% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8496% | 902 |
| Assets per employee ($millions) | 6.6629% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,701 |
| Loan loss allowance to noncurrent loans | 164.6399% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 1,585 |
| Noncurrent loans to loans | 0.8308% | 1,834 |
| Net loans and leases to total assets | 81.0160% | 497 |
| Net loans and leases to deposits | 97.8834% | 662 |
| Net loans and leases to core deposits | 102.5120% | 1,089 |
| Total domestic deposits to total assets | 82.7679% | 3,155 |
| Equity capital to assets | 11.9556% | 1,690 |
| Core capital (leverage) ratio | 11.8754% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5745% | 1,348 |
| Memoranda: | ||
| Average total assets | $325,260,000 | 2,117 |
| Average earning assets | $302,879,000 | 2,115 |
| Average equity | $40,124,000 | 1,993 |
| Average total loans | $260,560,000 | 1,843 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,692 |
| Cost of funding earning assets | 1.0712% | 1,139 |
| Net interest margin | 3.3082% | 3,572 |
| Noninterest income to average assets | 0.4289% | 2,913 |
| Noninterest expense to average assets | 2.8228% | 2,365 |
| Loan and lease loss provision to assets | 0.2830% | 1,098 |
| Net operating income to assets | 0.3233% | 4,299 |
| Return on assets (ROA) | 0.3233% | 4,327 |
| Pretax return on assets | 0.4038% | 4,287 |
| Return on Equity (ROE) | 2.5782% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.5782% | 3,238 |
| Net charge-offs to loans | -0.2022% | 4,939 |
| Credit loss provision to net charge-offs | -177.1654% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4301% | 1,097 |
| Assets per employee ($millions) | 6.9826% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,919 |
| Loan loss allowance to noncurrent loans | 151.3514% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 1,617 |
| Noncurrent loans to loans | 0.8917% | 1,829 |
| Net loans and leases to total assets | 79.4631% | 764 |
| Net loans and leases to deposits | 94.0125% | 1,078 |
| Net loans and leases to core deposits | 99.3819% | 1,526 |
| Total domestic deposits to total assets | 84.5240% | 2,590 |
| Equity capital to assets | 12.7168% | 1,610 |
| Core capital (leverage) ratio | 12.6784% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5343% | 1,065 |
| Memoranda: | ||
| Average total assets | $317,986,500 | 2,104 |
| Average earning assets | $296,115,000 | 2,102 |
| Average equity | $39,873,000 | 1,988 |
| Average total loans | $251,282,000 | 1,848 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 3,298 |
| Cost of funding earning assets | 1.0743% | 1,420 |
| Net interest margin | 3.3075% | 3,972 |
| Noninterest income to average assets | 0.3860% | 3,379 |
| Noninterest expense to average assets | 2.9840% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3759% | 4,638 |
| Return on assets (ROA) | 0.3931% | 4,640 |
| Pretax return on assets | 0.5128% | 4,554 |
| Return on Equity (ROE) | 3.0631% | 4,654 |
| Retained earnings to average equity (ytd only) | 3.0631% | 3,490 |
| Net charge-offs to loans | 0.0499% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 12.4463% | 2,415 |
| Efficiency ratio | 85.8724% | 546 |
| Assets per employee ($millions) | 7.1502% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,290 |
| Loan loss allowance to noncurrent loans | 117.1188% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 1,373 |
| Noncurrent loans to loans | 1.0491% | 1,442 |
| Net loans and leases to total assets | 76.5787% | 1,320 |
| Net loans and leases to deposits | 89.9138% | 1,600 |
| Net loans and leases to core deposits | 95.7920% | 1,918 |
| Total domestic deposits to total assets | 85.1690% | 2,433 |
| Equity capital to assets | 12.3658% | 1,907 |
| Core capital (leverage) ratio | 12.5966% | 1,430 |
| Tier 1 risk-based capital ratio | 17.6043% | 1,863 |
| Total risk-based capital ratio | 18.8557% | 1,818 |
| Memoranda: | ||
| Average total assets | $306,765,200 | 2,127 |
| Average earning assets | $286,502,800 | 2,106 |
| Average equity | $39,372,200 | 1,964 |
| Average total loans | $242,725,800 | 1,871 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 3,276 |
| Cost of funding earning assets | 1.0493% | 1,540 |
| Net interest margin | 3.3760% | 3,927 |
| Noninterest income to average assets | 0.3749% | 3,469 |
| Noninterest expense to average assets | 3.0515% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3613% | 4,778 |
| Return on assets (ROA) | 0.3846% | 4,771 |
| Pretax return on assets | 0.5069% | 4,692 |
| Return on Equity (ROE) | 2.9675% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.9675% | 3,896 |
| Net charge-offs to loans | 0.0736% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.1578% | 2,683 |
| Efficiency ratio | 86.4713% | 474 |
| Assets per employee ($millions) | 7.2252% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,134 |
| Loan loss allowance to noncurrent loans | 91.9277% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 1,080 |
| Noncurrent loans to loans | 1.3777% | 1,117 |
| Net loans and leases to total assets | 76.5814% | 1,379 |
| Net loans and leases to deposits | 90.3261% | 1,658 |
| Net loans and leases to core deposits | 95.9267% | 2,003 |
| Total domestic deposits to total assets | 84.7833% | 2,511 |
| Equity capital to assets | 12.8938% | 1,690 |
| Core capital (leverage) ratio | 12.8299% | 1,419 |
| Tier 1 risk-based capital ratio | 17.5452% | 1,934 |
| Total risk-based capital ratio | 18.7965% | 1,898 |
| Memoranda: | ||
| Average total assets | $303,017,000 | 2,166 |
| Average earning assets | $283,089,250 | 2,146 |
| Average equity | $39,268,250 | 1,977 |
| Average total loans | $241,041,500 | 1,890 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3777% | 3,391 |
| Cost of funding earning assets | 1.0052% | 1,672 |
| Net interest margin | 3.3725% | 3,980 |
| Noninterest income to average assets | 0.3628% | 3,506 |
| Noninterest expense to average assets | 3.1119% | 1,698 |
| Loan and lease loss provision to assets | -0.0666% | 5,190 |
| Net operating income to assets | 0.3581% | 4,792 |
| Return on assets (ROA) | 0.3581% | 4,810 |
| Pretax return on assets | 0.4753% | 4,727 |
| Return on Equity (ROE) | 2.7586% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.7586% | 3,826 |
| Net charge-offs to loans | -0.0473% | 4,818 |
| Credit loss provision to net charge-offs | 175.4386% | 1,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3910% | 423 |
| Assets per employee ($millions) | 6.6143% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,107 |
| Loan loss allowance to noncurrent loans | 223.3831% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,256 |
| Noncurrent loans to loans | 0.5720% | 2,542 |
| Net loans and leases to total assets | 79.8124% | 909 |
| Net loans and leases to deposits | 94.3668% | 1,219 |
| Net loans and leases to core deposits | 100.3649% | 1,687 |
| Total domestic deposits to total assets | 84.5768% | 2,653 |
| Equity capital to assets | 13.0949% | 1,547 |
| Core capital (leverage) ratio | 12.9693% | 1,305 |
| Tier 1 risk-based capital ratio | 16.6360% | 2,194 |
| Total risk-based capital ratio | 17.8872% | 2,143 |
| Memoranda: | ||
| Average total assets | $300,461,000 | 2,183 |
| Average earning assets | $281,333,000 | 2,158 |
| Average equity | $39,004,670 | 1,978 |
| Average total loans | $241,062,330 | 1,891 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 3,314 |
| Cost of funding earning assets | 0.9399% | 1,837 |
| Net interest margin | 3.4360% | 3,791 |
| Noninterest income to average assets | 0.3202% | 3,720 |
| Noninterest expense to average assets | 3.2931% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1795% | 5,025 |
| Return on assets (ROA) | 0.1795% | 5,035 |
| Pretax return on assets | 0.2546% | 4,996 |
| Return on Equity (ROE) | 1.3891% | 5,037 |
| Retained earnings to average equity (ytd only) | 1.3891% | 4,227 |
| Net charge-offs to loans | -0.0738% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8248% | 308 |
| Assets per employee ($millions) | 6.3814% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,862 |
| Loan loss allowance to noncurrent loans | 252.5410% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 2,468 |
| Noncurrent loans to loans | 0.5353% | 2,706 |
| Net loans and leases to total assets | 78.5858% | 1,058 |
| Net loans and leases to deposits | 92.8973% | 1,294 |
| Net loans and leases to core deposits | 98.5133% | 1,743 |
| Total domestic deposits to total assets | 84.5943% | 2,819 |
| Equity capital to assets | 13.0542% | 1,422 |
| Core capital (leverage) ratio | 12.9014% | 1,319 |
| Tier 1 risk-based capital ratio | 16.8336% | 2,163 |
| Total risk-based capital ratio | 18.0855% | 2,111 |
| Memoranda: | ||
| Average total assets | $298,563,500 | 2,204 |
| Average earning assets | $280,445,500 | 2,176 |
| Average equity | $38,586,000 | 1,986 |
| Average total loans | $238,605,000 | 1,927 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 3,438 |
| Cost of funding earning assets | 0.7748% | 1,664 |
| Net interest margin | 3.4290% | 3,914 |
| Noninterest income to average assets | 0.2183% | 4,604 |
| Noninterest expense to average assets | 3.3067% | 1,307 |
| Loan and lease loss provision to assets | -0.1934% | 5,329 |
| Net operating income to assets | 0.2386% | 5,074 |
| Return on assets (ROA) | 0.2383% | 5,073 |
| Pretax return on assets | 0.3601% | 4,980 |
| Return on Equity (ROE) | 1.8017% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.8017% | 4,426 |
| Net charge-offs to loans | -0.1182% | 5,183 |
| Credit loss provision to net charge-offs | 207.1429% | 1,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1909% | 223 |
| Assets per employee ($millions) | 6.1917% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,885 |
| Loan loss allowance to noncurrent loans | 247.7449% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 2,401 |
| Noncurrent loans to loans | 0.5397% | 2,655 |
| Net loans and leases to total assets | 79.1030% | 1,076 |
| Net loans and leases to deposits | 93.8076% | 1,310 |
| Net loans and leases to core deposits | 98.5554% | 1,826 |
| Total domestic deposits to total assets | 84.3247% | 2,899 |
| Equity capital to assets | 12.7924% | 1,441 |
| Core capital (leverage) ratio | 12.9903% | 1,257 |
| Tier 1 risk-based capital ratio | 17.7437% | 1,829 |
| Total risk-based capital ratio | 18.9964% | 1,785 |
| Memoranda: | ||
| Average total assets | $284,936,200 | 2,236 |
| Average earning assets | $270,512,600 | 2,190 |
| Average equity | $37,687,600 | 1,954 |
| Average total loans | $225,129,200 | 1,987 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,485 |
| Cost of funding earning assets | 0.7319% | 1,668 |
| Net interest margin | 3.4105% | 3,975 |
| Noninterest income to average assets | 0.2266% | 4,615 |
| Noninterest expense to average assets | 3.2653% | 1,382 |
| Loan and lease loss provision to assets | -0.2701% | 5,424 |
| Net operating income to assets | 0.3127% | 5,082 |
| Return on assets (ROA) | 0.3127% | 5,075 |
| Pretax return on assets | 0.4584% | 4,959 |
| Return on Equity (ROE) | 2.3436% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.3436% | 4,456 |
| Net charge-offs to loans | -0.1527% | 5,253 |
| Credit loss provision to net charge-offs | 224.8031% | 1,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5487% | 234 |
| Assets per employee ($millions) | 5.9687% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,866 |
| Loan loss allowance to noncurrent loans | 230.2190% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,386 |
| Noncurrent loans to loans | 0.5880% | 2,617 |
| Net loans and leases to total assets | 78.5918% | 1,235 |
| Net loans and leases to deposits | 93.3512% | 1,459 |
| Net loans and leases to core deposits | 97.8365% | 1,946 |
| Total domestic deposits to total assets | 84.1893% | 2,877 |
| Equity capital to assets | 12.9136% | 1,371 |
| Core capital (leverage) ratio | 13.2879% | 1,179 |
| Tier 1 risk-based capital ratio | 17.9909% | 1,801 |
| Total risk-based capital ratio | 19.2439% | 1,754 |
| Memoranda: | ||
| Average total assets | $281,870,250 | 2,267 |
| Average earning assets | $266,696,000 | 2,232 |
| Average equity | $37,604,750 | 1,962 |
| Average total loans | $221,841,500 | 2,017 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 3,417 |
| Cost of funding earning assets | 0.6795% | 1,743 |
| Net interest margin | 3.4295% | 3,865 |
| Noninterest income to average assets | 0.2407% | 4,572 |
| Noninterest expense to average assets | 3.2694% | 1,389 |
| Loan and lease loss provision to assets | -0.2795% | 5,488 |
| Net operating income to assets | 0.3341% | 5,071 |
| Return on assets (ROA) | 0.3341% | 5,068 |
| Pretax return on assets | 0.4965% | 4,913 |
| Return on Equity (ROE) | 2.4767% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.4767% | 4,271 |
| Net charge-offs to loans | -0.2155% | 5,338 |
| Credit loss provision to net charge-offs | 165.5319% | 1,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7758% | 268 |
| Assets per employee ($millions) | 5.7531% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,429 |
| Loan loss allowance to noncurrent loans | 239.2496% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,341 |
| Noncurrent loans to loans | 0.6229% | 2,551 |
| Net loans and leases to total assets | 77.7606% | 1,352 |
| Net loans and leases to deposits | 92.9572% | 1,480 |
| Net loans and leases to core deposits | 97.5203% | 1,923 |
| Total domestic deposits to total assets | 83.6520% | 3,194 |
| Equity capital to assets | 13.3732% | 1,149 |
| Core capital (leverage) ratio | 13.6177% | 1,027 |
| Tier 1 risk-based capital ratio | 18.5895% | 1,654 |
| Total risk-based capital ratio | 19.8438% | 1,615 |
| Memoranda: | ||
| Average total assets | $278,338,000 | 2,300 |
| Average earning assets | $263,416,670 | 2,257 |
| Average equity | $37,550,330 | 1,963 |
| Average total loans | $218,119,000 | 2,051 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,506 |
| Cost of funding earning assets | 0.6432% | 1,760 |
| Net interest margin | 3.3869% | 3,925 |
| Noninterest income to average assets | 0.2386% | 4,569 |
| Noninterest expense to average assets | 3.3396% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0593% | 5,350 |
| Return on assets (ROA) | 0.0593% | 5,347 |
| Pretax return on assets | 0.1056% | 5,333 |
| Return on Equity (ROE) | 0.4376% | 5,352 |
| Retained earnings to average equity (ytd only) | 0.4376% | 4,733 |
| Net charge-offs to loans | -0.2686% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9353% | 228 |
| Assets per employee ($millions) | 5.8247% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 1,040 |
| Loan loss allowance to noncurrent loans | 223.7624% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 2,176 |
| Noncurrent loans to loans | 0.7405% | 2,351 |
| Net loans and leases to total assets | 76.7596% | 1,416 |
| Net loans and leases to deposits | 91.8872% | 1,464 |
| Net loans and leases to core deposits | 95.6957% | 2,000 |
| Total domestic deposits to total assets | 83.5368% | 3,487 |
| Equity capital to assets | 13.3561% | 1,087 |
| Core capital (leverage) ratio | 13.6287% | 970 |
| Tier 1 risk-based capital ratio | 18.4634% | 1,705 |
| Total risk-based capital ratio | 19.7199% | 1,662 |
| Memoranda: | ||
| Average total assets | $276,557,000 | 2,329 |
| Average earning assets | $261,835,500 | 2,287 |
| Average equity | $37,476,000 | 1,978 |
| Average total loans | $215,917,000 | 2,077 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,650 |
| Cost of funding earning assets | 0.5710% | 1,823 |
| Net interest margin | 3.3506% | 4,006 |
| Noninterest income to average assets | 0.2225% | 4,816 |
| Noninterest expense to average assets | 3.4648% | 1,094 |
| Loan and lease loss provision to assets | -0.7209% | 5,658 |
| Net operating income to assets | 2.3594% | 145 |
| Return on assets (ROA) | 2.3590% | 146 |
| Pretax return on assets | 0.6942% | 4,523 |
| Return on Equity (ROE) | 18.0092% | 301 |
| Retained earnings to average equity (ytd only) | 18.0092% | 52 |
| Net charge-offs to loans | -0.2310% | 5,537 |
| Credit loss provision to net charge-offs | 393.2347% | 772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7665% | 163 |
| Assets per employee ($millions) | 5.5822% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,087 |
| Loan loss allowance to noncurrent loans | 203.8778% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 2,051 |
| Noncurrent loans to loans | 0.7968% | 2,218 |
| Net loans and leases to total assets | 76.8253% | 1,457 |
| Net loans and leases to deposits | 93.5514% | 1,325 |
| Net loans and leases to core deposits | 97.1790% | 1,924 |
| Total domestic deposits to total assets | 82.1210% | 3,840 |
| Equity capital to assets | 13.7500% | 971 |
| Core capital (leverage) ratio | 14.1252% | 809 |
| Tier 1 risk-based capital ratio | 18.3712% | 1,686 |
| Total risk-based capital ratio | 19.6301% | 1,640 |
| Memoranda: | ||
| Average total assets | $257,993,400 | 2,433 |
| Average earning assets | $247,629,000 | 2,364 |
| Average equity | $33,793,800 | 2,142 |
| Average total loans | $204,797,800 | 2,121 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,631 |
| Cost of funding earning assets | 0.5491% | 1,899 |
| Net interest margin | 3.3678% | 3,959 |
| Noninterest income to average assets | 0.2429% | 4,750 |
| Noninterest expense to average assets | 3.1739% | 1,625 |
| Loan and lease loss provision to assets | -0.8537% | 5,726 |
| Net operating income to assets | 1.1491% | 1,885 |
| Return on assets (ROA) | 1.1491% | 1,936 |
| Pretax return on assets | 1.1664% | 3,035 |
| Return on Equity (ROE) | 8.8915% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.8915% | 884 |
| Net charge-offs to loans | -0.2850% | 5,602 |
| Credit loss provision to net charge-offs | 375.7506% | 816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0309% | 375 |
| Assets per employee ($millions) | 5.3734% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 914 |
| Loan loss allowance to noncurrent loans | 231.2500% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 2,077 |
| Noncurrent loans to loans | 0.7630% | 2,451 |
| Net loans and leases to total assets | 79.0686% | 1,115 |
| Net loans and leases to deposits | 96.7168% | 1,040 |
| Net loans and leases to core deposits | 99.9392% | 1,714 |
| Total domestic deposits to total assets | 81.7528% | 3,852 |
| Equity capital to assets | 13.0655% | 1,353 |
| Core capital (leverage) ratio | 13.9249% | 909 |
| Tier 1 risk-based capital ratio | 18.4723% | 1,737 |
| Total risk-based capital ratio | 19.7299% | 1,689 |
| Memoranda: | ||
| Average total assets | $254,110,000 | 2,485 |
| Average earning assets | $244,744,500 | 2,400 |
| Average equity | $32,839,750 | 2,189 |
| Average total loans | $202,595,250 | 2,147 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,589 |
| Cost of funding earning assets | 0.5268% | 1,945 |
| Net interest margin | 3.3621% | 3,902 |
| Noninterest income to average assets | 0.2452% | 4,772 |
| Noninterest expense to average assets | 3.0992% | 1,841 |
| Loan and lease loss provision to assets | -1.3099% | 5,782 |
| Net operating income to assets | 1.6706% | 595 |
| Return on assets (ROA) | 1.6706% | 617 |
| Pretax return on assets | 1.6967% | 1,065 |
| Return on Equity (ROE) | 12.9756% | 1,038 |
| Retained earnings to average equity (ytd only) | 12.9756% | 252 |
| Net charge-offs to loans | -0.4340% | 5,682 |
| Credit loss provision to net charge-offs | 379.8165% | 816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9040% | 513 |
| Assets per employee ($millions) | 6.3130% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 839 |
| Loan loss allowance to noncurrent loans | 265.9357% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 2,331 |
| Noncurrent loans to loans | 0.6874% | 2,693 |
| Net loans and leases to total assets | 75.4871% | 1,614 |
| Net loans and leases to deposits | 92.2128% | 1,465 |
| Net loans and leases to core deposits | 94.9213% | 2,077 |
| Total domestic deposits to total assets | 81.8618% | 3,926 |
| Equity capital to assets | 12.9921% | 1,379 |
| Core capital (leverage) ratio | 13.9575% | 879 |
| Tier 1 risk-based capital ratio | 19.0762% | 1,585 |
| Total risk-based capital ratio | 20.3346% | 1,528 |
| Memoranda: | ||
| Average total assets | $252,838,670 | 2,497 |
| Average earning assets | $243,720,330 | 2,416 |
| Average equity | $32,553,330 | 2,201 |
| Average total loans | $200,927,000 | 2,160 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 3,483 |
| Cost of funding earning assets | 0.5046% | 2,048 |
| Net interest margin | 3.3712% | 3,757 |
| Noninterest income to average assets | 0.1633% | 5,300 |
| Noninterest expense to average assets | 3.1876% | 1,650 |
| Loan and lease loss provision to assets | -1.6378% | 5,854 |
| Net operating income to assets | 1.8380% | 420 |
| Return on assets (ROA) | 1.8380% | 431 |
| Pretax return on assets | 1.8652% | 696 |
| Return on Equity (ROE) | 14.3428% | 745 |
| Retained earnings to average equity (ytd only) | 14.3428% | 274 |
| Net charge-offs to loans | -0.7450% | 5,768 |
| Credit loss provision to net charge-offs | 272.0745% | 838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3427% | 406 |
| Assets per employee ($millions) | 6.4975% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 567 |
| Loan loss allowance to noncurrent loans | 298.1586% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 2,383 |
| Noncurrent loans to loans | 0.7007% | 2,741 |
| Net loans and leases to total assets | 77.8609% | 1,156 |
| Net loans and leases to deposits | 95.0734% | 1,005 |
| Net loans and leases to core deposits | 97.7609% | 1,675 |
| Total domestic deposits to total assets | 81.8956% | 4,194 |
| Equity capital to assets | 12.8776% | 1,315 |
| Core capital (leverage) ratio | 14.0412% | 830 |
| Tier 1 risk-based capital ratio | 17.9642% | 1,892 |
| Total risk-based capital ratio | 19.2254% | 1,843 |
| Memoranda: | ||
| Average total assets | $249,840,500 | 2,545 |
| Average earning assets | $240,980,500 | 2,461 |
| Average equity | $32,016,000 | 2,237 |
| Average total loans | $201,878,000 | 2,162 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,174 |
| Cost of funding earning assets | 0.5305% | 1,866 |
| Net interest margin | 3.4762% | 3,519 |
| Noninterest income to average assets | 0.1848% | 5,292 |
| Noninterest expense to average assets | 2.9747% | 2,424 |
| Loan and lease loss provision to assets | 0.0742% | 2,868 |
| Net operating income to assets | 0.4564% | 4,777 |
| Return on assets (ROA) | 0.4568% | 4,856 |
| Pretax return on assets | 0.4729% | 5,087 |
| Return on Equity (ROE) | 3.7000% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.7000% | 3,282 |
| Net charge-offs to loans | 0.2111% | 1,318 |
| Credit loss provision to net charge-offs | 44.6602% | 3,446 |
| Earnings coverage of net charge-offs (x) | 3.2888% | 3,695 |
| Efficiency ratio | 84.4735% | 972 |
| Assets per employee ($millions) | 6.1570% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4015% | 355 |
| Loan loss allowance to noncurrent loans | 331.5358% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 2,300 |
| Noncurrent loans to loans | 0.7244% | 2,724 |
| Net loans and leases to total assets | 80.1481% | 877 |
| Net loans and leases to deposits | 97.9272% | 831 |
| Net loans and leases to core deposits | 100.5496% | 1,576 |
| Total domestic deposits to total assets | 81.8446% | 4,114 |
| Equity capital to assets | 12.7498% | 1,370 |
| Core capital (leverage) ratio | 13.6116% | 931 |
| Tier 1 risk-based capital ratio | 17.4732% | 2,014 |
| Total risk-based capital ratio | 18.7386% | 1,967 |
| Memoranda: | ||
| Average total assets | $247,820,000 | 2,528 |
| Average earning assets | $237,878,000 | 2,454 |
| Average equity | $30,594,200 | 2,312 |
| Average total loans | $195,208,400 | 2,155 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 3,240 |
| Cost of funding earning assets | 0.5369% | 1,818 |
| Net interest margin | 3.4600% | 3,625 |
| Noninterest income to average assets | 0.1649% | 5,440 |
| Noninterest expense to average assets | 2.9056% | 2,632 |
| Loan and lease loss provision to assets | 0.0988% | 2,250 |
| Net operating income to assets | 0.4625% | 4,826 |
| Return on assets (ROA) | 0.4630% | 4,904 |
| Pretax return on assets | 0.4775% | 5,177 |
| Return on Equity (ROE) | 3.7815% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.7815% | 3,619 |
| Net charge-offs to loans | -0.0593% | 5,417 |
| Credit loss provision to net charge-offs | -213.9535% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4593% | 1,029 |
| Assets per employee ($millions) | 6.1549% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6624% | 278 |
| Loan loss allowance to noncurrent loans | 337.8549% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 1,783 |
| Noncurrent loans to loans | 0.7880% | 2,705 |
| Net loans and leases to total assets | 77.5838% | 1,270 |
| Net loans and leases to deposits | 96.5071% | 999 |
| Net loans and leases to core deposits | 99.0870% | 1,719 |
| Total domestic deposits to total assets | 80.3918% | 4,418 |
| Equity capital to assets | 12.2747% | 1,921 |
| Core capital (leverage) ratio | 13.3586% | 1,045 |
| Tier 1 risk-based capital ratio | 17.2821% | 2,135 |
| Total risk-based capital ratio | 18.5504% | 2,090 |
| Memoranda: | ||
| Average total assets | $248,205,250 | 2,531 |
| Average earning assets | $237,915,250 | 2,453 |
| Average equity | $30,392,750 | 2,341 |
| Average total loans | $193,449,250 | 2,173 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,376 |
| Cost of funding earning assets | 0.5371% | 1,805 |
| Net interest margin | 3.4264% | 3,771 |
| Noninterest income to average assets | 0.1305% | 5,667 |
| Noninterest expense to average assets | 2.9325% | 2,576 |
| Loan and lease loss provision to assets | 0.1491% | 1,542 |
| Net operating income to assets | 0.3185% | 5,265 |
| Return on assets (ROA) | 0.3193% | 5,351 |
| Pretax return on assets | 0.3322% | 5,449 |
| Return on Equity (ROE) | 2.6094% | 5,364 |
| Retained earnings to average equity (ytd only) | 2.6094% | 4,236 |
| Net charge-offs to loans | 0.0953% | 1,889 |
| Credit loss provision to net charge-offs | 202.1978% | 1,293 |
| Earnings coverage of net charge-offs (x) | 6.5165% | 2,727 |
| Efficiency ratio | 85.9212% | 891 |
| Assets per employee ($millions) | 6.0608% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6583% | 295 |
| Loan loss allowance to noncurrent loans | 224.7396% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 1,799 |
| Noncurrent loans to loans | 1.1829% | 1,942 |
| Net loans and leases to total assets | 76.3026% | 1,442 |
| Net loans and leases to deposits | 92.6539% | 1,441 |
| Net loans and leases to core deposits | 94.9050% | 2,072 |
| Total domestic deposits to total assets | 82.3523% | 3,892 |
| Equity capital to assets | 12.2660% | 1,927 |
| Core capital (leverage) ratio | 13.3415% | 1,042 |
| Tier 1 risk-based capital ratio | 17.6385% | 2,035 |
| Total risk-based capital ratio | 18.9070% | 1,989 |
| Memoranda: | ||
| Average total assets | $246,824,000 | 2,561 |
| Average earning assets | $236,455,670 | 2,485 |
| Average equity | $30,198,670 | 2,354 |
| Average total loans | $190,886,670 | 2,202 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,312 |
| Cost of funding earning assets | 0.5377% | 1,808 |
| Net interest margin | 3.4374% | 3,729 |
| Noninterest income to average assets | 0.0976% | 5,832 |
| Noninterest expense to average assets | 2.9367% | 2,579 |
| Loan and lease loss provision to assets | 0.1252% | 1,694 |
| Net operating income to assets | 0.3415% | 5,174 |
| Return on assets (ROA) | 0.3415% | 5,261 |
| Pretax return on assets | 0.3415% | 5,422 |
| Return on Equity (ROE) | 2.7946% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.7946% | 4,117 |
| Net charge-offs to loans | 0.1969% | 1,011 |
| Credit loss provision to net charge-offs | 82.7957% | 1,819 |
| Earnings coverage of net charge-offs (x) | 3.0860% | 2,588 |
| Efficiency ratio | 86.2876% | 951 |
| Assets per employee ($millions) | 6.4639% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7204% | 304 |
| Loan loss allowance to noncurrent loans | 145.0773% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 1,166 |
| Noncurrent loans to loans | 1.8751% | 1,178 |
| Net loans and leases to total assets | 73.7960% | 1,757 |
| Net loans and leases to deposits | 89.7564% | 1,603 |
| Net loans and leases to core deposits | 92.3186% | 2,157 |
| Total domestic deposits to total assets | 82.2182% | 4,146 |
| Equity capital to assets | 12.2995% | 1,832 |
| Core capital (leverage) ratio | 13.3942% | 1,022 |
| Tier 1 risk-based capital ratio | 17.9262% | 2,003 |
| Total risk-based capital ratio | 19.1947% | 1,965 |
| Memoranda: | ||
| Average total assets | $245,990,500 | 2,571 |
| Average earning assets | $236,573,000 | 2,497 |
| Average equity | $30,058,000 | 2,364 |
| Average total loans | $188,938,500 | 2,223 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,251 |
| Cost of funding earning assets | 0.5463% | 1,798 |
| Net interest margin | 3.4705% | 3,636 |
| Noninterest income to average assets | -0.0885% | 6,142 |
| Noninterest expense to average assets | 2.9377% | 2,734 |
| Loan and lease loss provision to assets | 1.0607% | 77 |
| Net operating income to assets | -0.7472% | 6,080 |
| Return on assets (ROA) | -0.7476% | 6,082 |
| Pretax return on assets | -0.7476% | 6,078 |
| Return on Equity (ROE) | -6.0725% | 6,065 |
| Retained earnings to average equity (ytd only) | -6.0725% | 5,960 |
| Net charge-offs to loans | 1.6935% | 84 |
| Credit loss provision to net charge-offs | 76.9611% | 3,002 |
| Earnings coverage of net charge-offs (x) | 0.2275% | 4,249 |
| Efficiency ratio | 90.3571% | 672 |
| Assets per employee ($millions) | 6.3168% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6547% | 337 |
| Loan loss allowance to noncurrent loans | 104.3933% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 2.2334% | 752 |
| Noncurrent loans to loans | 2.5430% | 714 |
| Net loans and leases to total assets | 75.6878% | 1,465 |
| Net loans and leases to deposits | 91.8875% | 1,417 |
| Net loans and leases to core deposits | 94.3748% | 2,017 |
| Total domestic deposits to total assets | 82.3701% | 4,065 |
| Equity capital to assets | 12.1390% | 1,855 |
| Core capital (leverage) ratio | 13.2810% | 1,050 |
| Tier 1 risk-based capital ratio | 17.4150% | 2,150 |
| Total risk-based capital ratio | 18.6831% | 2,100 |
| Memoranda: | ||
| Average total assets | $249,749,000 | 2,510 |
| Average earning assets | $240,339,800 | 2,422 |
| Average equity | $30,745,400 | 2,267 |
| Average total loans | $203,243,200 | 2,047 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,273 |
| Cost of funding earning assets | 0.5460% | 1,835 |
| Net interest margin | 3.4710% | 3,660 |
| Noninterest income to average assets | 0.0867% | 6,001 |
| Noninterest expense to average assets | 3.0007% | 2,522 |
| Loan and lease loss provision to assets | 1.3418% | 44 |
| Net operating income to assets | -0.9141% | 6,187 |
| Return on assets (ROA) | -0.9141% | 6,186 |
| Pretax return on assets | -0.9141% | 6,179 |
| Return on Equity (ROE) | -7.3997% | 6,160 |
| Retained earnings to average equity (ytd only) | -7.3997% | 6,084 |
| Net charge-offs to loans | 2.0746% | 54 |
| Credit loss provision to net charge-offs | 78.6160% | 2,631 |
| Earnings coverage of net charge-offs (x) | 0.2506% | 3,971 |
| Efficiency ratio | 87.5233% | 886 |
| Assets per employee ($millions) | 6.3453% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 368 |
| Loan loss allowance to noncurrent loans | 53.6752% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 4.3093% | 265 |
| Noncurrent loans to loans | 4.8905% | 217 |
| Net loans and leases to total assets | 77.8290% | 1,129 |
| Net loans and leases to deposits | 94.4493% | 1,145 |
| Net loans and leases to core deposits | 97.0121% | 1,792 |
| Total domestic deposits to total assets | 82.4029% | 4,023 |
| Equity capital to assets | 12.1620% | 1,991 |
| Core capital (leverage) ratio | 13.1402% | 1,155 |
| Tier 1 risk-based capital ratio | 17.2720% | 2,271 |
| Total risk-based capital ratio | 18.5403% | 2,215 |
| Memoranda: | ||
| Average total assets | $250,597,750 | 2,524 |
| Average earning assets | $241,268,250 | 2,427 |
| Average equity | $30,955,500 | 2,269 |
| Average total loans | $206,167,750 | 2,034 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,170 |
| Cost of funding earning assets | 0.5418% | 1,893 |
| Net interest margin | 3.4865% | 3,552 |
| Noninterest income to average assets | 0.0954% | 6,047 |
| Noninterest expense to average assets | 2.9979% | 2,559 |
| Loan and lease loss provision to assets | 1.9242% | 27 |
| Net operating income to assets | -1.4664% | 6,288 |
| Return on assets (ROA) | -1.4664% | 6,286 |
| Pretax return on assets | -1.4664% | 6,281 |
| Return on Equity (ROE) | -11.8111% | 6,266 |
| Retained earnings to average equity (ytd only) | -11.8111% | 6,204 |
| Net charge-offs to loans | 1.0184% | 203 |
| Credit loss provision to net charge-offs | 227.5376% | 1,116 |
| Earnings coverage of net charge-offs (x) | 0.5414% | 3,644 |
| Efficiency ratio | 86.7525% | 995 |
| Assets per employee ($millions) | 6.2198% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5344% | 159 |
| Loan loss allowance to noncurrent loans | 67.7244% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 4.6589% | 253 |
| Noncurrent loans to loans | 5.2188% | 209 |
| Net loans and leases to total assets | 79.3703% | 889 |
| Net loans and leases to deposits | 96.1219% | 952 |
| Net loans and leases to core deposits | 98.6935% | 1,592 |
| Total domestic deposits to total assets | 82.5726% | 4,096 |
| Equity capital to assets | 12.0337% | 2,002 |
| Core capital (leverage) ratio | 12.9471% | 1,188 |
| Tier 1 risk-based capital ratio | 17.5387% | 2,205 |
| Total risk-based capital ratio | 18.8214% | 2,150 |
| Memoranda: | ||
| Average total assets | $251,641,330 | 2,536 |
| Average earning assets | $242,533,670 | 2,438 |
| Average equity | $31,241,670 | 2,268 |
| Average total loans | $208,959,330 | 2,022 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,417 |
| Cost of funding earning assets | 0.5369% | 1,955 |
| Net interest margin | 3.4130% | 3,790 |
| Noninterest income to average assets | 0.0980% | 6,098 |
| Noninterest expense to average assets | 2.9068% | 2,884 |
| Loan and lease loss provision to assets | 0.3130% | 444 |
| Net operating income to assets | 0.1739% | 5,738 |
| Return on assets (ROA) | 0.1739% | 5,814 |
| Pretax return on assets | 0.1739% | 5,862 |
| Return on Equity (ROE) | 1.3796% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.3796% | 4,935 |
| Net charge-offs to loans | 0.9134% | 262 |
| Credit loss provision to net charge-offs | 41.0788% | 2,181 |
| Earnings coverage of net charge-offs (x) | 0.6390% | 3,028 |
| Efficiency ratio | 85.6544% | 1,211 |
| Assets per employee ($millions) | 6.8011% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6791% | 417 |
| Loan loss allowance to noncurrent loans | 41.0931% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 5.7192% | 190 |
| Noncurrent loans to loans | 6.5196% | 155 |
| Net loans and leases to total assets | 80.7520% | 601 |
| Net loans and leases to deposits | 98.5127% | 645 |
| Net loans and leases to core deposits | 101.4108% | 1,223 |
| Total domestic deposits to total assets | 81.9712% | 4,516 |
| Equity capital to assets | 12.6986% | 1,570 |
| Core capital (leverage) ratio | 13.6645% | 914 |
| Tier 1 risk-based capital ratio | 17.8349% | 2,187 |
| Total risk-based capital ratio | 19.1048% | 2,140 |
| Memoranda: | ||
| Average total assets | $253,066,000 | 2,535 |
| Average earning assets | $244,358,000 | 2,435 |
| Average equity | $31,893,000 | 2,240 |
| Average total loans | $211,088,000 | 2,006 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,555 |
| Cost of funding earning assets | 0.5988% | 1,765 |
| Net interest margin | 3.4416% | 4,016 |
| Noninterest income to average assets | 0.0477% | 6,299 |
| Noninterest expense to average assets | 2.6577% | 4,015 |
| Loan and lease loss provision to assets | 1.6109% | 48 |
| Net operating income to assets | -0.9091% | 6,363 |
| Return on assets (ROA) | -0.9091% | 6,360 |
| Pretax return on assets | -0.9091% | 6,351 |
| Return on Equity (ROE) | -6.6291% | 6,321 |
| Retained earnings to average equity (ytd only) | -6.6291% | 6,237 |
| Net charge-offs to loans | 1.3483% | 188 |
| Credit loss provision to net charge-offs | 149.0993% | 1,621 |
| Earnings coverage of net charge-offs (x) | 0.6496% | 4,599 |
| Efficiency ratio | 79.1094% | 2,052 |
| Assets per employee ($millions) | 6.2071% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7548% | 397 |
| Loan loss allowance to noncurrent loans | 38.7322% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 6.4124% | 177 |
| Noncurrent loans to loans | 7.1123% | 141 |
| Net loans and leases to total assets | 81.5348% | 572 |
| Net loans and leases to deposits | 99.8503% | 629 |
| Net loans and leases to core deposits | 102.2359% | 1,230 |
| Total domestic deposits to total assets | 81.6570% | 4,545 |
| Equity capital to assets | 12.5078% | 1,647 |
| Core capital (leverage) ratio | 13.5282% | 962 |
| Tier 1 risk-based capital ratio | 18.1983% | 2,083 |
| Total risk-based capital ratio | 19.4712% | 2,033 |
| Memoranda: | ||
| Average total assets | $262,031,400 | 2,409 |
| Average earning assets | $252,152,800 | 2,329 |
| Average equity | $35,932,400 | 1,953 |
| Average total loans | $209,971,200 | 1,975 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,651 |
| Cost of funding earning assets | 0.6048% | 1,790 |
| Net interest margin | 3.4227% | 4,135 |
| Noninterest income to average assets | 0.0020% | 6,473 |
| Noninterest expense to average assets | 2.6356% | 4,073 |
| Loan and lease loss provision to assets | 1.1963% | 78 |
| Net operating income to assets | -0.5390% | 6,380 |
| Return on assets (ROA) | -0.5390% | 6,377 |
| Pretax return on assets | -0.5390% | 6,366 |
| Return on Equity (ROE) | -3.8493% | 6,339 |
| Retained earnings to average equity (ytd only) | -3.8493% | 6,197 |
| Net charge-offs to loans | 1.1049% | 263 |
| Credit loss provision to net charge-offs | 136.6417% | 1,708 |
| Earnings coverage of net charge-offs (x) | 0.7507% | 4,323 |
| Efficiency ratio | 80.0399% | 1,912 |
| Assets per employee ($millions) | 6.5115% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4285% | 700 |
| Loan loss allowance to noncurrent loans | 39.5446% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 5.3501% | 296 |
| Noncurrent loans to loans | 6.1412% | 224 |
| Net loans and leases to total assets | 79.0253% | 831 |
| Net loans and leases to deposits | 96.8074% | 814 |
| Net loans and leases to core deposits | 99.3115% | 1,431 |
| Total domestic deposits to total assets | 81.6314% | 4,617 |
| Equity capital to assets | 13.9572% | 1,023 |
| Core capital (leverage) ratio | 13.7207% | 922 |
| Tier 1 risk-based capital ratio | 19.1874% | 1,860 |
| Total risk-based capital ratio | 20.4562% | 1,825 |
| Memoranda: | ||
| Average total assets | $263,916,750 | 2,417 |
| Average earning assets | $253,748,750 | 2,332 |
| Average equity | $36,957,750 | 1,909 |
| Average total loans | $209,120,000 | 1,992 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,496 |
| Cost of funding earning assets | 0.6120% | 1,794 |
| Net interest margin | 3.4497% | 3,979 |
| Noninterest income to average assets | 0.0128% | 6,530 |
| Noninterest expense to average assets | 2.7299% | 3,758 |
| Loan and lease loss provision to assets | 1.4359% | 63 |
| Net operating income to assets | -0.8398% | 6,509 |
| Return on assets (ROA) | -0.8398% | 6,509 |
| Pretax return on assets | -0.8398% | 6,496 |
| Return on Equity (ROE) | -5.9904% | 6,455 |
| Retained earnings to average equity (ytd only) | -5.9904% | 6,292 |
| Net charge-offs to loans | 1.5290% | 181 |
| Credit loss provision to net charge-offs | 119.3852% | 1,726 |
| Earnings coverage of net charge-offs (x) | 0.4956% | 4,033 |
| Efficiency ratio | 82.0780% | 1,731 |
| Assets per employee ($millions) | 6.3887% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3150% | 881 |
| Loan loss allowance to noncurrent loans | 50.2778% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 4.2121% | 485 |
| Noncurrent loans to loans | 4.6045% | 467 |
| Net loans and leases to total assets | 77.2601% | 1,013 |
| Net loans and leases to deposits | 94.5412% | 919 |
| Net loans and leases to core deposits | 97.1658% | 1,510 |
| Total domestic deposits to total assets | 81.7211% | 4,744 |
| Equity capital to assets | 13.8633% | 1,031 |
| Core capital (leverage) ratio | 13.6285% | 939 |
| Tier 1 risk-based capital ratio | 19.1058% | 1,896 |
| Total risk-based capital ratio | 20.3721% | 1,852 |
| Memoranda: | ||
| Average total assets | $265,068,670 | 2,407 |
| Average earning assets | $254,569,330 | 2,318 |
| Average equity | $37,159,330 | 1,892 |
| Average total loans | $208,509,000 | 1,989 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 3,212 |
| Cost of funding earning assets | 0.6248% | 1,774 |
| Net interest margin | 3.4929% | 3,732 |
| Noninterest income to average assets | -0.0075% | 6,628 |
| Noninterest expense to average assets | 2.7888% | 3,610 |
| Loan and lease loss provision to assets | 0.0090% | 3,705 |
| Net operating income to assets | 0.5386% | 4,508 |
| Return on assets (ROA) | 0.5386% | 4,582 |
| Pretax return on assets | 0.5491% | 5,009 |
| Return on Equity (ROE) | 3.8209% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.8209% | 3,838 |
| Net charge-offs to loans | 0.3729% | 967 |
| Credit loss provision to net charge-offs | 3.0769% | 2,660 |
| Earnings coverage of net charge-offs (x) | 1.9077% | 2,993 |
| Efficiency ratio | 83.3259% | 1,753 |
| Assets per employee ($millions) | 6.5152% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0515% | 1,415 |
| Loan loss allowance to noncurrent loans | 151.4799% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7337% | 2,034 |
| Noncurrent loans to loans | 1.3543% | 2,777 |
| Net loans and leases to total assets | 76.8387% | 906 |
| Net loans and leases to deposits | 94.3332% | 759 |
| Net loans and leases to core deposits | 97.3086% | 1,291 |
| Total domestic deposits to total assets | 81.4545% | 5,110 |
| Equity capital to assets | 14.1434% | 875 |
| Core capital (leverage) ratio | 13.9146% | 847 |
| Tier 1 risk-based capital ratio | 19.5190% | 1,830 |
| Total risk-based capital ratio | 20.7814% | 1,797 |
| Memoranda: | ||
| Average total assets | $266,635,000 | 2,405 |
| Average earning assets | $256,063,500 | 2,313 |
| Average equity | $37,582,500 | 1,869 |
| Average total loans | $209,179,500 | 1,979 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,939 |
| Cost of funding earning assets | 0.7083% | 1,754 |
| Net interest margin | 3.5973% | 3,479 |
| Noninterest income to average assets | -0.1304% | 6,732 |
| Noninterest expense to average assets | 2.3826% | 5,121 |
| Loan and lease loss provision to assets | 1.5040% | 86 |
| Net operating income to assets | -0.5516% | 6,509 |
| Return on assets (ROA) | -0.5056% | 6,507 |
| Pretax return on assets | -0.5056% | 6,490 |
| Return on Equity (ROE) | -3.6084% | 6,450 |
| Retained earnings to average equity (ytd only) | -3.6084% | 6,303 |
| Net charge-offs to loans | 1.9075% | 206 |
| Credit loss provision to net charge-offs | 98.7455% | 2,513 |
| Earnings coverage of net charge-offs (x) | 0.6253% | 4,873 |
| Efficiency ratio | 71.4412% | 3,580 |
| Assets per employee ($millions) | 6.3369% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 1,254 |
| Loan loss allowance to noncurrent loans | 131.4202% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 2.0583% | 1,740 |
| Noncurrent loans to loans | 1.6355% | 2,450 |
| Net loans and leases to total assets | 76.7689% | 980 |
| Net loans and leases to deposits | 94.1497% | 868 |
| Net loans and leases to core deposits | 96.8938% | 1,391 |
| Total domestic deposits to total assets | 81.5392% | 5,027 |
| Equity capital to assets | 14.0467% | 883 |
| Core capital (leverage) ratio | 13.4275% | 981 |
| Tier 1 risk-based capital ratio | 19.0027% | 1,921 |
| Total risk-based capital ratio | 20.2666% | 1,876 |
| Memoranda: | ||
| Average total assets | $272,137,000 | 2,332 |
| Average earning assets | $262,165,800 | 2,239 |
| Average equity | $38,133,600 | 1,821 |
| Average total loans | $217,295,400 | 1,882 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,946 |
| Cost of funding earning assets | 0.7207% | 1,802 |
| Net interest margin | 3.5890% | 3,497 |
| Noninterest income to average assets | 0.0507% | 6,634 |
| Noninterest expense to average assets | 2.1912% | 5,625 |
| Loan and lease loss provision to assets | 0.2724% | 1,289 |
| Net operating income to assets | 1.0471% | 2,194 |
| Return on assets (ROA) | 1.1080% | 2,047 |
| Pretax return on assets | 1.1080% | 3,083 |
| Return on Equity (ROE) | 7.9120% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.9120% | 1,447 |
| Net charge-offs to loans | 0.7796% | 760 |
| Credit loss provision to net charge-offs | 43.5698% | 3,641 |
| Earnings coverage of net charge-offs (x) | 2.1107% | 4,135 |
| Efficiency ratio | 62.4150% | 5,078 |
| Assets per employee ($millions) | 6.5145% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,447 |
| Loan loss allowance to noncurrent loans | 76.2285% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.4517% | 1,577 |
| Noncurrent loans to loans | 2.2967% | 1,913 |
| Net loans and leases to total assets | 78.2679% | 719 |
| Net loans and leases to deposits | 96.8974% | 631 |
| Net loans and leases to core deposits | 100.0458% | 1,113 |
| Total domestic deposits to total assets | 80.7740% | 5,280 |
| Equity capital to assets | 14.4016% | 851 |
| Core capital (leverage) ratio | 14.7875% | 677 |
| Tier 1 risk-based capital ratio | 20.7265% | 1,552 |
| Total risk-based capital ratio | 21.9852% | 1,525 |
| Memoranda: | ||
| Average total assets | $273,634,250 | 2,323 |
| Average earning assets | $263,797,500 | 2,232 |
| Average equity | $38,320,750 | 1,826 |
| Average total loans | $219,417,500 | 1,866 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,841 |
| Cost of funding earning assets | 0.7400% | 1,771 |
| Net interest margin | 3.5872% | 3,418 |
| Noninterest income to average assets | 0.1191% | 6,459 |
| Noninterest expense to average assets | 1.9902% | 6,069 |
| Loan and lease loss provision to assets | 0.2200% | 1,723 |
| Net operating income to assets | 1.3667% | 1,150 |
| Return on assets (ROA) | 1.4581% | 1,044 |
| Pretax return on assets | 1.4581% | 1,749 |
| Return on Equity (ROE) | 10.5112% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.5112% | 742 |
| Net charge-offs to loans | 0.9240% | 672 |
| Credit loss provision to net charge-offs | 29.6260% | 3,594 |
| Earnings coverage of net charge-offs (x) | 2.1368% | 3,812 |
| Efficiency ratio | 55.6396% | 6,006 |
| Assets per employee ($millions) | 6.6647% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 2,644 |
| Loan loss allowance to noncurrent loans | 135.9275% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.9425% | 2,233 |
| Noncurrent loans to loans | 1.2769% | 3,420 |
| Net loans and leases to total assets | 79.2512% | 612 |
| Net loans and leases to deposits | 98.0095% | 541 |
| Net loans and leases to core deposits | 100.8696% | 1,022 |
| Total domestic deposits to total assets | 80.8607% | 5,384 |
| Equity capital to assets | 14.3145% | 872 |
| Core capital (leverage) ratio | 14.7050% | 665 |
| Tier 1 risk-based capital ratio | 20.7993% | 1,544 |
| Total risk-based capital ratio | 22.0354% | 1,514 |
| Memoranda: | ||
| Average total assets | $273,642,670 | 2,335 |
| Average earning assets | $263,769,670 | 2,232 |
| Average equity | $37,959,670 | 1,848 |
| Average total loans | $219,902,000 | 1,860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,680 |
| Cost of funding earning assets | 0.7682% | 1,721 |
| Net interest margin | 3.5845% | 3,322 |
| Noninterest income to average assets | 0.0234% | 6,804 |
| Noninterest expense to average assets | 2.3415% | 5,300 |
| Loan and lease loss provision to assets | 0.4397% | 656 |
| Net operating income to assets | 0.6909% | 3,738 |
| Return on assets (ROA) | 0.6909% | 3,883 |
| Pretax return on assets | 0.6909% | 4,614 |
| Return on Equity (ROE) | 5.0613% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.0613% | 3,198 |
| Net charge-offs to loans | 0.9851% | 620 |
| Credit loss provision to net charge-offs | 55.6377% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.4307% | 3,356 |
| Efficiency ratio | 67.4379% | 4,426 |
| Assets per employee ($millions) | 6.7087% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,125 |
| Loan loss allowance to noncurrent loans | 87.1504% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1850% | 2,138 |
| Noncurrent loans to loans | 2.2590% | 2,318 |
| Net loans and leases to total assets | 77.8442% | 629 |
| Net loans and leases to deposits | 95.5670% | 565 |
| Net loans and leases to core deposits | 98.3158% | 1,056 |
| Total domestic deposits to total assets | 81.4551% | 5,377 |
| Equity capital to assets | 13.6779% | 1,148 |
| Core capital (leverage) ratio | 14.0524% | 786 |
| Tier 1 risk-based capital ratio | 19.8426% | 1,814 |
| Total risk-based capital ratio | 21.1045% | 1,777 |
| Memoranda: | ||
| Average total assets | $273,837,000 | 2,358 |
| Average earning assets | $263,467,500 | 2,269 |
| Average equity | $37,382,000 | 1,897 |
| Average total loans | $219,662,000 | 1,872 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 1,870 |
| Cost of funding earning assets | 0.9480% | 1,654 |
| Net interest margin | 3.9428% | 2,634 |
| Noninterest income to average assets | -0.4094% | 7,020 |
| Noninterest expense to average assets | 2.4335% | 5,308 |
| Loan and lease loss provision to assets | 1.6817% | 163 |
| Net operating income to assets | -2.1726% | 6,949 |
| Return on assets (ROA) | -2.1708% | 6,954 |
| Pretax return on assets | -0.8437% | 6,688 |
| Return on Equity (ROE) | -14.0577% | 6,809 |
| Retained earnings to average equity (ytd only) | -14.0577% | 6,755 |
| Net charge-offs to loans | 1.6659% | 500 |
| Credit loss provision to net charge-offs | 124.6438% | 2,275 |
| Earnings coverage of net charge-offs (x) | 0.6198% | 5,176 |
| Efficiency ratio | 74.4257% | 3,001 |
| Assets per employee ($millions) | 6.4909% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 1,875 |
| Loan loss allowance to noncurrent loans | 54.4560% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.5196% | 1,280 |
| Noncurrent loans to loans | 3.7740% | 1,285 |
| Net loans and leases to total assets | 79.3670% | 529 |
| Net loans and leases to deposits | 97.4626% | 536 |
| Net loans and leases to core deposits | 99.8321% | 1,040 |
| Total domestic deposits to total assets | 81.4333% | 5,272 |
| Equity capital to assets | 13.6242% | 1,180 |
| Core capital (leverage) ratio | 13.9977% | 802 |
| Tier 1 risk-based capital ratio | 19.5887% | 1,789 |
| Total risk-based capital ratio | 20.8289% | 1,759 |
| Memoranda: | ||
| Average total assets | $280,908,000 | 2,262 |
| Average earning assets | $262,121,200 | 2,214 |
| Average equity | $43,378,400 | 1,605 |
| Average total loans | $227,510,400 | 1,793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 2,102 |
| Cost of funding earning assets | 0.9793% | 1,686 |
| Net interest margin | 3.8965% | 2,922 |
| Noninterest income to average assets | -0.3981% | 7,114 |
| Noninterest expense to average assets | 2.4797% | 5,145 |
| Loan and lease loss provision to assets | 2.0024% | 118 |
| Net operating income to assets | -0.6575% | 6,761 |
| Return on assets (ROA) | -0.6563% | 6,788 |
| Pretax return on assets | -1.2641% | 6,919 |
| Return on Equity (ROE) | -4.1331% | 6,683 |
| Retained earnings to average equity (ytd only) | -4.1331% | 6,562 |
| Net charge-offs to loans | 1.5145% | 563 |
| Credit loss provision to net charge-offs | 163.2731% | 1,704 |
| Earnings coverage of net charge-offs (x) | 0.6005% | 5,017 |
| Efficiency ratio | 77.1023% | 2,507 |
| Assets per employee ($millions) | 7.0500% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3067% | 1,506 |
| Loan loss allowance to noncurrent loans | 62.4168% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 4.0411% | 1,192 |
| Noncurrent loans to loans | 3.6956% | 1,444 |
| Net loans and leases to total assets | 78.8926% | 621 |
| Net loans and leases to deposits | 98.4246% | 521 |
| Net loans and leases to core deposits | 101.1894% | 1,038 |
| Total domestic deposits to total assets | 80.1553% | 5,610 |
| Equity capital to assets | 15.7004% | 663 |
| Core capital (leverage) ratio | 15.5622% | 529 |
| Tier 1 risk-based capital ratio | 20.7155% | 1,594 |
| Total risk-based capital ratio | 21.9812% | 1,558 |
| Memoranda: | ||
| Average total assets | $282,980,750 | 2,273 |
| Average earning assets | $262,486,500 | 2,236 |
| Average equity | $44,937,500 | 1,566 |
| Average total loans | $229,161,000 | 1,790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 2,275 |
| Cost of funding earning assets | 1.0066% | 1,731 |
| Net interest margin | 3.8513% | 3,128 |
| Noninterest income to average assets | -0.3727% | 7,171 |
| Noninterest expense to average assets | 2.4299% | 5,356 |
| Loan and lease loss provision to assets | 1.9597% | 152 |
| Net operating income to assets | -0.7554% | 6,841 |
| Return on assets (ROA) | -0.7554% | 6,867 |
| Pretax return on assets | -1.1888% | 6,943 |
| Return on Equity (ROE) | -4.7389% | 6,760 |
| Retained earnings to average equity (ytd only) | -4.7389% | 6,604 |
| Net charge-offs to loans | 0.8553% | 1,294 |
| Credit loss provision to net charge-offs | 282.6884% | 1,041 |
| Earnings coverage of net charge-offs (x) | 1.1120% | 4,460 |
| Efficiency ratio | 75.9153% | 2,757 |
| Assets per employee ($millions) | 7.0729% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3737% | 1,455 |
| Loan loss allowance to noncurrent loans | 56.5386% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 4.5773% | 1,073 |
| Noncurrent loans to loans | 4.1984% | 1,303 |
| Net loans and leases to total assets | 78.5020% | 672 |
| Net loans and leases to deposits | 97.5401% | 552 |
| Net loans and leases to core deposits | 99.7794% | 1,108 |
| Total domestic deposits to total assets | 80.4818% | 5,620 |
| Equity capital to assets | 15.7606% | 632 |
| Core capital (leverage) ratio | 15.7341% | 493 |
| Tier 1 risk-based capital ratio | 21.2055% | 1,440 |
| Total risk-based capital ratio | 22.4717% | 1,410 |
| Memoranda: | ||
| Average total assets | $283,307,670 | 2,276 |
| Average earning assets | $262,871,000 | 2,239 |
| Average equity | $45,158,330 | 1,546 |
| Average total loans | $229,638,000 | 1,784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 2,403 |
| Cost of funding earning assets | 1.0442% | 1,717 |
| Net interest margin | 3.8145% | 3,320 |
| Noninterest income to average assets | -0.2116% | 7,200 |
| Noninterest expense to average assets | 2.5157% | 5,100 |
| Loan and lease loss provision to assets | 1.9174% | 157 |
| Net operating income to assets | -0.6772% | 6,902 |
| Return on assets (ROA) | -0.6772% | 6,925 |
| Pretax return on assets | -1.0935% | 6,995 |
| Return on Equity (ROE) | -4.2251% | 6,823 |
| Retained earnings to average equity (ytd only) | -4.2251% | 6,523 |
| Net charge-offs to loans | 1.1252% | 916 |
| Credit loss provision to net charge-offs | 209.3991% | 1,296 |
| Earnings coverage of net charge-offs (x) | 0.8998% | 3,877 |
| Efficiency ratio | 75.3274% | 2,886 |
| Assets per employee ($millions) | 7.3171% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 2,790 |
| Loan loss allowance to noncurrent loans | 45.2648% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 4.2805% | 1,272 |
| Noncurrent loans to loans | 4.1182% | 1,471 |
| Net loans and leases to total assets | 79.6227% | 443 |
| Net loans and leases to deposits | 99.0505% | 401 |
| Net loans and leases to core deposits | 101.5350% | 886 |
| Total domestic deposits to total assets | 80.3860% | 5,756 |
| Equity capital to assets | 15.8407% | 600 |
| Core capital (leverage) ratio | 15.8095% | 488 |
| Tier 1 risk-based capital ratio | 21.3403% | 1,411 |
| Total risk-based capital ratio | 22.5748% | 1,394 |
| Memoranda: | ||
| Average total assets | $283,504,000 | 2,293 |
| Average earning assets | $263,939,000 | 2,248 |
| Average equity | $45,443,000 | 1,526 |
| Average total loans | $230,710,000 | 1,786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 3,195 |
| Cost of funding earning assets | 1.2630% | 1,665 |
| Net interest margin | 3.6690% | 4,435 |
| Noninterest income to average assets | -0.4556% | 7,252 |
| Noninterest expense to average assets | 1.9706% | 6,727 |
| Loan and lease loss provision to assets | 2.7689% | 144 |
| Net operating income to assets | -1.1849% | 6,816 |
| Return on assets (ROA) | -1.1390% | 6,824 |
| Pretax return on assets | -1.7251% | 6,951 |
| Return on Equity (ROE) | -6.9303% | 6,631 |
| Retained earnings to average equity (ytd only) | -6.9303% | 6,570 |
| Net charge-offs to loans | 3.9465% | 158 |
| Credit loss provision to net charge-offs | 88.6696% | 4,072 |
| Earnings coverage of net charge-offs (x) | 0.3120% | 5,594 |
| Efficiency ratio | 66.9175% | 4,588 |
| Assets per employee ($millions) | 7.4116% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,715 |
| Loan loss allowance to noncurrent loans | 32.4193% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 4.9961% | 1,074 |
| Noncurrent loans to loans | 4.8385% | 1,194 |
| Net loans and leases to total assets | 80.3438% | 459 |
| Net loans and leases to deposits | 100.5443% | 431 |
| Net loans and leases to core deposits | 102.6180% | 988 |
| Total domestic deposits to total assets | 79.9088% | 5,767 |
| Equity capital to assets | 16.2199% | 553 |
| Core capital (leverage) ratio | 16.1932% | 441 |
| Tier 1 risk-based capital ratio | 21.3428% | 1,347 |
| Total risk-based capital ratio | 22.6404% | 1,312 |
| Memoranda: | ||
| Average total assets | $288,846,200 | 2,203 |
| Average earning assets | $267,702,400 | 2,186 |
| Average equity | $47,473,000 | 1,431 |
| Average total loans | $228,556,400 | 1,814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 3,457 |
| Cost of funding earning assets | 1.3143% | 1,626 |
| Net interest margin | 3.6095% | 4,730 |
| Noninterest income to average assets | -0.5101% | 7,355 |
| Noninterest expense to average assets | 1.9693% | 6,754 |
| Loan and lease loss provision to assets | 2.8749% | 121 |
| Net operating income to assets | -1.3304% | 6,995 |
| Return on assets (ROA) | -1.2923% | 7,004 |
| Pretax return on assets | -1.9579% | 7,116 |
| Return on Equity (ROE) | -7.8378% | 6,805 |
| Retained earnings to average equity (ytd only) | -7.8378% | 6,756 |
| Net charge-offs to loans | 3.5000% | 223 |
| Credit loss provision to net charge-offs | 104.6069% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.3126% | 5,372 |
| Efficiency ratio | 69.6237% | 4,017 |
| Assets per employee ($millions) | 7.6675% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 1,997 |
| Loan loss allowance to noncurrent loans | 34.5742% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 5.9271% | 909 |
| Noncurrent loans to loans | 6.1664% | 891 |
| Net loans and leases to total assets | 79.3515% | 576 |
| Net loans and leases to deposits | 98.3306% | 559 |
| Net loans and leases to core deposits | 100.7605% | 1,182 |
| Total domestic deposits to total assets | 80.6987% | 5,530 |
| Equity capital to assets | 16.2857% | 584 |
| Core capital (leverage) ratio | 16.2456% | 474 |
| Tier 1 risk-based capital ratio | 22.1973% | 1,253 |
| Total risk-based capital ratio | 23.5123% | 1,221 |
| Memoranda: | ||
| Average total assets | $290,647,500 | 2,205 |
| Average earning assets | $268,836,750 | 2,183 |
| Average equity | $47,920,750 | 1,428 |
| Average total loans | $228,223,750 | 1,836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 3,483 |
| Cost of funding earning assets | 1.3654% | 1,573 |
| Net interest margin | 3.5667% | 4,853 |
| Noninterest income to average assets | -0.5577% | 7,433 |
| Noninterest expense to average assets | 1.9388% | 6,894 |
| Loan and lease loss provision to assets | 2.0719% | 290 |
| Net operating income to assets | -0.8484% | 6,891 |
| Return on assets (ROA) | -0.8069% | 6,883 |
| Pretax return on assets | -1.2227% | 6,974 |
| Return on Equity (ROE) | -4.8749% | 6,707 |
| Retained earnings to average equity (ytd only) | -4.8749% | 6,558 |
| Net charge-offs to loans | 1.2916% | 1,198 |
| Credit loss provision to net charge-offs | 206.4626% | 1,460 |
| Earnings coverage of net charge-offs (x) | 0.7837% | 4,713 |
| Efficiency ratio | 71.1423% | 3,911 |
| Assets per employee ($millions) | 7.8338% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7433% | 1,133 |
| Loan loss allowance to noncurrent loans | 46.5010% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 5.6298% | 1,035 |
| Noncurrent loans to loans | 5.8994% | 1,026 |
| Net loans and leases to total assets | 75.7488% | 1,114 |
| Net loans and leases to deposits | 94.1808% | 862 |
| Net loans and leases to core deposits | 96.4670% | 1,632 |
| Total domestic deposits to total assets | 80.4292% | 5,698 |
| Equity capital to assets | 16.5248% | 538 |
| Core capital (leverage) ratio | 16.4691% | 457 |
| Tier 1 risk-based capital ratio | 23.8289% | 1,023 |
| Total risk-based capital ratio | 25.1017% | 1,008 |
| Memoranda: | ||
| Average total assets | $292,964,670 | 2,193 |
| Average earning assets | $269,660,000 | 2,184 |
| Average equity | $48,493,670 | 1,395 |
| Average total loans | $227,624,670 | 1,859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 3,590 |
| Cost of funding earning assets | 1.4242% | 1,495 |
| Net interest margin | 3.4767% | 5,113 |
| Noninterest income to average assets | -0.6410% | 7,512 |
| Noninterest expense to average assets | 1.9408% | 6,920 |
| Loan and lease loss provision to assets | 1.9014% | 295 |
| Net operating income to assets | -0.8556% | 6,986 |
| Return on assets (ROA) | -0.8502% | 6,986 |
| Pretax return on assets | -1.2889% | 7,094 |
| Return on Equity (ROE) | -5.1320% | 6,814 |
| Retained earnings to average equity (ytd only) | -5.1320% | 6,529 |
| Net charge-offs to loans | 0.6598% | 1,887 |
| Credit loss provision to net charge-offs | 371.3528% | 890 |
| Earnings coverage of net charge-offs (x) | 1.1804% | 3,772 |
| Efficiency ratio | 76.2540% | 3,117 |
| Assets per employee ($millions) | 7.9649% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,539 |
| Loan loss allowance to noncurrent loans | 47.2492% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 5.2667% | 1,177 |
| Noncurrent loans to loans | 5.1762% | 1,294 |
| Net loans and leases to total assets | 76.4861% | 963 |
| Net loans and leases to deposits | 95.3426% | 730 |
| Net loans and leases to core deposits | 97.5083% | 1,561 |
| Total domestic deposits to total assets | 80.2224% | 5,884 |
| Equity capital to assets | 16.4485% | 507 |
| Core capital (leverage) ratio | 16.3880% | 446 |
| Tier 1 risk-based capital ratio | 23.4926% | 1,026 |
| Total risk-based capital ratio | 24.7426% | 1,011 |
| Memoranda: | ||
| Average total assets | $294,522,000 | 2,196 |
| Average earning assets | $269,908,500 | 2,198 |
| Average equity | $48,792,000 | 1,368 |
| Average total loans | $228,561,500 | 1,868 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 3,774 |
| Cost of funding earning assets | 1.8067% | 1,142 |
| Net interest margin | 3.3591% | 5,762 |
| Noninterest income to average assets | -0.2540% | 7,492 |
| Noninterest expense to average assets | 2.2010% | 6,611 |
| Loan and lease loss provision to assets | 0.9249% | 1,762 |
| Net operating income to assets | -0.1687% | 6,073 |
| Return on assets (ROA) | -0.8297% | 6,618 |
| Pretax return on assets | -1.1371% | 6,713 |
| Return on Equity (ROE) | -5.1329% | 6,444 |
| Retained earnings to average equity (ytd only) | -5.1329% | 6,315 |
| Net charge-offs to loans | 0.8023% | 2,629 |
| Credit loss provision to net charge-offs | 152.8373% | 2,341 |
| Earnings coverage of net charge-offs (x) | 1.1456% | 4,963 |
| Efficiency ratio | 76.0466% | 3,048 |
| Assets per employee ($millions) | 7.9552% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 2,182 |
| Loan loss allowance to noncurrent loans | 42.5198% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 5.0723% | 1,256 |
| Noncurrent loans to loans | 4.8136% | 1,427 |
| Net loans and leases to total assets | 75.2319% | 1,427 |
| Net loans and leases to deposits | 94.3776% | 1,024 |
| Net loans and leases to core deposits | 96.9837% | 1,895 |
| Total domestic deposits to total assets | 79.7137% | 5,908 |
| Equity capital to assets | 16.6847% | 492 |
| Core capital (leverage) ratio | 16.6209% | 432 |
| Tier 1 risk-based capital ratio | 23.9208% | 939 |
| Total risk-based capital ratio | 25.1710% | 920 |
| Memoranda: | ||
| Average total assets | $308,682,000 | 2,097 |
| Average earning assets | $289,307,600 | 2,051 |
| Average equity | $49,893,600 | 1,343 |
| Average total loans | $232,825,000 | 1,877 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 3,938 |
| Cost of funding earning assets | 1.8677% | 1,145 |
| Net interest margin | 3.3123% | 5,972 |
| Noninterest income to average assets | -0.1178% | 7,552 |
| Noninterest expense to average assets | 2.3377% | 6,211 |
| Loan and lease loss provision to assets | 1.0055% | 1,475 |
| Net operating income to assets | -0.2459% | 6,377 |
| Return on assets (ROA) | -1.1464% | 6,995 |
| Pretax return on assets | -1.5559% | 7,058 |
| Return on Equity (ROE) | -7.1470% | 6,796 |
| Retained earnings to average equity (ytd only) | -7.1470% | 6,724 |
| Net charge-offs to loans | 0.6237% | 2,878 |
| Credit loss provision to net charge-offs | 214.6764% | 1,628 |
| Earnings coverage of net charge-offs (x) | 1.4230% | 4,662 |
| Efficiency ratio | 77.8141% | 2,647 |
| Assets per employee ($millions) | 8.2669% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 1,931 |
| Loan loss allowance to noncurrent loans | 61.7577% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 4.1389% | 1,664 |
| Noncurrent loans to loans | 3.4451% | 2,314 |
| Net loans and leases to total assets | 73.6621% | 1,875 |
| Net loans and leases to deposits | 94.2240% | 1,177 |
| Net loans and leases to core deposits | 97.1110% | 2,136 |
| Total domestic deposits to total assets | 78.1777% | 6,223 |
| Equity capital to assets | 16.0461% | 662 |
| Core capital (leverage) ratio | 15.9579% | 571 |
| Tier 1 risk-based capital ratio | 22.9817% | 1,076 |
| Total risk-based capital ratio | 24.2316% | 1,046 |
| Memoranda: | ||
| Average total assets | $312,267,000 | 2,109 |
| Average earning assets | $294,329,000 | 2,046 |
| Average equity | $50,089,500 | 1,340 |
| Average total loans | $234,514,750 | 1,888 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 4,035 |
| Cost of funding earning assets | 1.9266% | 1,123 |
| Net interest margin | 3.2564% | 6,148 |
| Noninterest income to average assets | -0.1393% | 7,652 |
| Noninterest expense to average assets | 1.8104% | 7,377 |
| Loan and lease loss provision to assets | 0.2894% | 4,073 |
| Net operating income to assets | 0.5086% | 4,286 |
| Return on assets (ROA) | 0.4097% | 4,875 |
| Pretax return on assets | 0.6921% | 4,269 |
| Return on Equity (ROE) | 2.5543% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.5543% | 4,523 |
| Net charge-offs to loans | 0.2365% | 4,186 |
| Credit loss provision to net charge-offs | 163.0824% | 2,423 |
| Earnings coverage of net charge-offs (x) | 6.4014% | 2,463 |
| Efficiency ratio | 61.4421% | 5,781 |
| Assets per employee ($millions) | 8.0145% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 3,367 |
| Loan loss allowance to noncurrent loans | 54.1111% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.8224% | 2,561 |
| Noncurrent loans to loans | 2.9945% | 2,680 |
| Net loans and leases to total assets | 74.1437% | 1,878 |
| Net loans and leases to deposits | 95.1370% | 1,130 |
| Net loans and leases to core deposits | 97.7869% | 2,253 |
| Total domestic deposits to total assets | 77.9336% | 6,285 |
| Equity capital to assets | 16.2273% | 637 |
| Core capital (leverage) ratio | 16.1272% | 552 |
| Tier 1 risk-based capital ratio | 23.3991% | 1,009 |
| Total risk-based capital ratio | 24.6492% | 984 |
| Memoranda: | ||
| Average total assets | $314,397,670 | 2,119 |
| Average earning assets | $297,937,000 | 2,039 |
| Average equity | $50,425,670 | 1,326 |
| Average total loans | $235,949,000 | 1,899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 4,387 |
| Cost of funding earning assets | 1.9996% | 1,087 |
| Net interest margin | 3.1321% | 6,511 |
| Noninterest income to average assets | -0.0977% | 7,752 |
| Noninterest expense to average assets | 1.7583% | 7,516 |
| Loan and lease loss provision to assets | 0.2436% | 4,100 |
| Net operating income to assets | 0.5389% | 4,189 |
| Return on assets (ROA) | 0.3514% | 5,193 |
| Pretax return on assets | 0.5861% | 4,667 |
| Return on Equity (ROE) | 2.2037% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.2037% | 4,805 |
| Net charge-offs to loans | 0.1880% | 3,793 |
| Credit loss provision to net charge-offs | 172.9730% | 2,100 |
| Earnings coverage of net charge-offs (x) | 7.9730% | 2,008 |
| Efficiency ratio | 61.0304% | 5,998 |
| Assets per employee ($millions) | 8.4892% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,575 |
| Loan loss allowance to noncurrent loans | 47.0901% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 3.0939% | 2,311 |
| Noncurrent loans to loans | 3.3340% | 2,399 |
| Net loans and leases to total assets | 74.2923% | 1,910 |
| Net loans and leases to deposits | 95.0932% | 1,217 |
| Net loans and leases to core deposits | 98.6310% | 2,279 |
| Total domestic deposits to total assets | 78.1258% | 6,285 |
| Equity capital to assets | 16.0430% | 663 |
| Core capital (leverage) ratio | 15.9311% | 596 |
| Tier 1 risk-based capital ratio | 23.0363% | 1,072 |
| Total risk-based capital ratio | 24.2864% | 1,050 |
| Memoranda: | ||
| Average total assets | $315,313,500 | 2,158 |
| Average earning assets | $299,865,000 | 2,077 |
| Average equity | $50,278,000 | 1,328 |
| Average total loans | $236,141,000 | 1,953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 4,035 |
| Cost of funding earning assets | 2.4458% | 1,175 |
| Net interest margin | 3.0743% | 6,454 |
| Noninterest income to average assets | 0.1215% | 7,150 |
| Noninterest expense to average assets | 1.6988% | 7,705 |
| Loan and lease loss provision to assets | 0.4927% | 3,913 |
| Net operating income to assets | 0.5412% | 3,568 |
| Return on assets (ROA) | 0.5057% | 3,801 |
| Pretax return on assets | 0.8073% | 3,219 |
| Return on Equity (ROE) | 3.2327% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.2327% | 2,896 |
| Net charge-offs to loans | 0.2612% | 4,989 |
| Credit loss provision to net charge-offs | 247.4441% | 1,438 |
| Earnings coverage of net charge-offs (x) | 6.8067% | 2,282 |
| Efficiency ratio | 55.6238% | 7,058 |
| Assets per employee ($millions) | 8.5548% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,488 |
| Loan loss allowance to noncurrent loans | 52.7146% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 2.9391% | 2,381 |
| Noncurrent loans to loans | 2.9365% | 2,623 |
| Net loans and leases to total assets | 73.1587% | 2,465 |
| Net loans and leases to deposits | 93.8099% | 1,616 |
| Net loans and leases to core deposits | 126.4316% | 1,478 |
| Total domestic deposits to total assets | 77.9861% | 6,222 |
| Equity capital to assets | 15.8486% | 720 |
| Core capital (leverage) ratio | 15.7293% | 656 |
| Tier 1 risk-based capital ratio | 22.7039% | 1,074 |
| Total risk-based capital ratio | 23.9538% | 1,053 |
| Memoranda: | ||
| Average total assets | $314,396,800 | 2,137 |
| Average earning assets | $299,902,600 | 2,073 |
| Average equity | $49,184,200 | 1,367 |
| Average total loans | $239,687,200 | 1,953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 3,810 |
| Cost of funding earning assets | 2.5158% | 1,244 |
| Net interest margin | 3.0937% | 6,328 |
| Noninterest income to average assets | 0.1075% | 7,367 |
| Noninterest expense to average assets | 1.7238% | 7,735 |
| Loan and lease loss provision to assets | 0.4796% | 3,505 |
| Net operating income to assets | 0.5489% | 3,798 |
| Return on assets (ROA) | 0.4894% | 4,123 |
| Pretax return on assets | 0.7672% | 3,635 |
| Return on Equity (ROE) | 3.1385% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.1385% | 3,564 |
| Net charge-offs to loans | 0.2215% | 4,656 |
| Credit loss provision to net charge-offs | 282.2500% | 1,491 |
| Earnings coverage of net charge-offs (x) | 7.8850% | 2,333 |
| Efficiency ratio | 56.2673% | 6,961 |
| Assets per employee ($millions) | 8.5372% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 3,621 |
| Loan loss allowance to noncurrent loans | 42.9908% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 3.1202% | 2,194 |
| Noncurrent loans to loans | 3.4055% | 2,211 |
| Net loans and leases to total assets | 73.4450% | 2,675 |
| Net loans and leases to deposits | 92.3477% | 2,178 |
| Net loans and leases to core deposits | 124.9482% | 1,820 |
| Total domestic deposits to total assets | 79.5309% | 5,614 |
| Equity capital to assets | 15.7666% | 834 |
| Core capital (leverage) ratio | 15.6309% | 738 |
| Tier 1 risk-based capital ratio | 22.6644% | 1,152 |
| Total risk-based capital ratio | 23.7324% | 1,152 |
| Memoranda: | ||
| Average total assets | $313,864,250 | 2,153 |
| Average earning assets | $299,916,000 | 2,089 |
| Average equity | $48,939,000 | 1,395 |
| Average total loans | $240,807,000 | 1,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7322% | 3,381 |
| Cost of funding earning assets | 2.5464% | 1,461 |
| Net interest margin | 3.1858% | 5,965 |
| Noninterest income to average assets | 0.2267% | 6,667 |
| Noninterest expense to average assets | 1.7695% | 7,776 |
| Loan and lease loss provision to assets | 0.3870% | 3,593 |
| Net operating income to assets | 0.6029% | 3,661 |
| Return on assets (ROA) | 0.4975% | 4,223 |
| Pretax return on assets | 0.9534% | 3,167 |
| Return on Equity (ROE) | 3.2024% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.2024% | 3,533 |
| Net charge-offs to loans | 0.1896% | 4,366 |
| Credit loss provision to net charge-offs | 263.4783% | 1,767 |
| Earnings coverage of net charge-offs (x) | 10.2478% | 2,016 |
| Efficiency ratio | 54.0367% | 7,327 |
| Assets per employee ($millions) | 8.0025% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,155 |
| Loan loss allowance to noncurrent loans | 62.9321% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.1618% | 2,983 |
| Noncurrent loans to loans | 2.0979% | 3,382 |
| Net loans and leases to total assets | 74.1198% | 2,672 |
| Net loans and leases to deposits | 93.2356% | 2,229 |
| Net loans and leases to core deposits | 126.1259% | 1,859 |
| Total domestic deposits to total assets | 79.4973% | 5,653 |
| Equity capital to assets | 15.7516% | 871 |
| Core capital (leverage) ratio | 15.6497% | 793 |
| Tier 1 risk-based capital ratio | 22.9393% | 1,141 |
| Total risk-based capital ratio | 24.0030% | 1,128 |
| Memoranda: | ||
| Average total assets | $313,193,670 | 2,181 |
| Average earning assets | $299,639,000 | 2,116 |
| Average equity | $48,651,000 | 1,418 |
| Average total loans | $242,595,330 | 1,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8633% | 2,973 |
| Cost of funding earning assets | 2.5627% | 1,685 |
| Net interest margin | 3.3006% | 5,500 |
| Noninterest income to average assets | 0.1606% | 7,159 |
| Noninterest expense to average assets | 1.7097% | 7,813 |
| Loan and lease loss provision to assets | 0.3595% | 3,160 |
| Net operating income to assets | 0.6963% | 3,578 |
| Return on assets (ROA) | 0.4857% | 4,681 |
| Pretax return on assets | 0.9218% | 3,632 |
| Return on Equity (ROE) | 3.1490% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.1490% | 4,120 |
| Net charge-offs to loans | 0.0308% | 5,089 |
| Credit loss provision to net charge-offs | 1,484.2105% | 434 |
| Earnings coverage of net charge-offs (x) | 66.4737% | 603 |
| Efficiency ratio | 51.4977% | 7,469 |
| Assets per employee ($millions) | 7.9554% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,596 |
| Loan loss allowance to noncurrent loans | 60.1695% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.0054% | 2,892 |
| Noncurrent loans to loans | 2.0420% | 3,210 |
| Net loans and leases to total assets | 77.2658% | 1,977 |
| Net loans and leases to deposits | 97.1235% | 1,786 |
| Net loans and leases to core deposits | 130.8116% | 1,609 |
| Total domestic deposits to total assets | 79.5542% | 5,523 |
| Equity capital to assets | 15.6385% | 939 |
| Core capital (leverage) ratio | 16.1074% | 770 |
| Tier 1 risk-based capital ratio | 23.1219% | 1,176 |
| Total risk-based capital ratio | 24.1898% | 1,172 |
| Memoranda: | ||
| Average total assets | $313,742,500 | 2,194 |
| Average earning assets | $300,309,500 | 2,124 |
| Average equity | $48,396,500 | 1,426 |
| Average total loans | $246,683,000 | 1,981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2085% | 4,473 |
| Cost of funding earning assets | 3.1362% | 1,395 |
| Net interest margin | 3.0723% | 6,736 |
| Noninterest income to average assets | 0.0728% | 7,775 |
| Noninterest expense to average assets | 1.6499% | 7,917 |
| Loan and lease loss provision to assets | 0.2376% | 4,525 |
| Net operating income to assets | 0.7556% | 3,641 |
| Return on assets (ROA) | 0.7329% | 3,580 |
| Pretax return on assets | 1.1212% | 2,952 |
| Return on Equity (ROE) | 4.6874% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.6874% | 2,211 |
| Net charge-offs to loans | 0.0429% | 6,177 |
| Credit loss provision to net charge-offs | 711.4286% | 590 |
| Earnings coverage of net charge-offs (x) | 41.7333% | 883 |
| Efficiency ratio | 54.2063% | 7,248 |
| Assets per employee ($millions) | 8.1340% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,382 |
| Loan loss allowance to noncurrent loans | 96.4514% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 3,466 |
| Noncurrent loans to loans | 1.1242% | 4,299 |
| Net loans and leases to total assets | 78.1594% | 2,098 |
| Net loans and leases to deposits | 105.1707% | 1,203 |
| Net loans and leases to core deposits | 141.0573% | 1,211 |
| Total domestic deposits to total assets | 74.3167% | 6,599 |
| Equity capital to assets | 15.2172% | 1,109 |
| Core capital (leverage) ratio | 15.9538% | 834 |
| Tier 1 risk-based capital ratio | 22.7511% | 1,221 |
| Total risk-based capital ratio | 23.7859% | 1,224 |
| Memoranda: | ||
| Average total assets | $314,383,000 | 2,128 |
| Average earning assets | $304,002,400 | 2,007 |
| Average equity | $49,153,000 | 1,386 |
| Average total loans | $245,029,600 | 1,942 |