Home > The Equitable Bank, S.S.B. > Performance and Condition Ratios
The Equitable Bank, S.S.B., Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 3,733 |
| Cost of funding earning assets | 2.2331% | 1,662 |
| Net interest margin | 2.3761% | 4,019 |
| Noninterest income to average assets | 0.6500% | 1,347 |
| Noninterest expense to average assets | 3.4994% | 591 |
| Loan and lease loss provision to assets | -0.0500% | 4,268 |
| Net operating income to assets | -0.5327% | 4,349 |
| Return on assets (ROA) | -0.5327% | 4,381 |
| Pretax return on assets | -0.5327% | 4,363 |
| Return on Equity (ROE) | -6.2900% | 4,375 |
| Retained earnings to average equity (ytd only) | -6.2946% | 4,329 |
| Net charge-offs to loans | -0.0014% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 120.0675% | 132 |
| Assets per employee ($millions) | 4.0034% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,427 |
| Loan loss allowance to noncurrent loans | 592.8889% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,754 |
| Noncurrent loans to loans | 0.1617% | 2,877 |
| Net loans and leases to total assets | 86.0500% | 154 |
| Net loans and leases to deposits | 95.1090% | 775 |
| Net loans and leases to core deposits | 104.3527% | 1,213 |
| Total domestic deposits to total assets | 90.4700% | 672 |
| Equity capital to assets | 8.6440% | 3,077 |
| Core capital (leverage) ratio | 9.5561% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $335,454,000 | 2,297 |
| Average earning assets | $319,562,200 | 2,263 |
| Average equity | $28,389,600 | 2,449 |
| Average total loans | $291,494,000 | 1,883 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 3,743 |
| Cost of funding earning assets | 2.2635% | 1,608 |
| Net interest margin | 2.3035% | 4,074 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 3.4640% | 608 |
| Loan and lease loss provision to assets | -0.0700% | 4,341 |
| Net operating income to assets | -0.5907% | 4,399 |
| Return on assets (ROA) | -0.5907% | 4,425 |
| Pretax return on assets | -0.5907% | 4,410 |
| Return on Equity (ROE) | -7.0200% | 4,424 |
| Retained earnings to average equity (ytd only) | -7.0152% | 4,386 |
| Net charge-offs to loans | -0.0014% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 123.5146% | 119 |
| Assets per employee ($millions) | 4.2286% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 3,596 |
| Loan loss allowance to noncurrent loans | 807.8313% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 3,024 |
| Noncurrent loans to loans | 0.1139% | 3,114 |
| Net loans and leases to total assets | 86.4200% | 137 |
| Net loans and leases to deposits | 96.8914% | 657 |
| Net loans and leases to core deposits | 106.2736% | 1,129 |
| Total domestic deposits to total assets | 89.1900% | 838 |
| Equity capital to assets | 8.6877% | 3,260 |
| Core capital (leverage) ratio | 9.5647% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $339,250,250 | 2,270 |
| Average earning assets | $323,208,250 | 2,242 |
| Average equity | $28,566,000 | 2,440 |
| Average total loans | $294,804,250 | 1,868 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 3,714 |
| Cost of funding earning assets | 2.2774% | 1,487 |
| Net interest margin | 2.2650% | 4,105 |
| Noninterest income to average assets | 0.4900% | 1,897 |
| Noninterest expense to average assets | 3.4770% | 589 |
| Loan and lease loss provision to assets | -0.1000% | 4,407 |
| Net operating income to assets | -0.7238% | 4,435 |
| Return on assets (ROA) | -0.7238% | 4,464 |
| Pretax return on assets | -0.7238% | 4,455 |
| Return on Equity (ROE) | -8.6900% | 4,453 |
| Retained earnings to average equity (ytd only) | -8.6859% | 4,414 |
| Net charge-offs to loans | -0.0020% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 131.1795% | 105 |
| Assets per employee ($millions) | 4.2672% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 3,614 |
| Loan loss allowance to noncurrent loans | 1,569.7674% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,317 |
| Noncurrent loans to loans | 0.0587% | 3,367 |
| Net loans and leases to total assets | 86.1000% | 156 |
| Net loans and leases to deposits | 94.6360% | 887 |
| Net loans and leases to core deposits | 103.8373% | 1,267 |
| Total domestic deposits to total assets | 90.9800% | 457 |
| Equity capital to assets | 8.3504% | 3,202 |
| Core capital (leverage) ratio | 9.6534% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $340,981,333 | 2,260 |
| Average earning assets | $324,674,333 | 2,215 |
| Average equity | $28,414,000 | 2,419 |
| Average total loans | $295,949,000 | 1,859 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 3,655 |
| Cost of funding earning assets | 2.2794% | 1,386 |
| Net interest margin | 2.2341% | 4,155 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.4061% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.8235% | 4,504 |
| Return on assets (ROA) | -0.8235% | 4,493 |
| Pretax return on assets | -0.8235% | 4,480 |
| Return on Equity (ROE) | -9.8900% | 4,485 |
| Retained earnings to average equity (ytd only) | -9.8928% | 4,306 |
| Net charge-offs to loans | -0.0013% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 131.8880% | 87 |
| Assets per employee ($millions) | 4.1855% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,453 |
| Loan loss allowance to noncurrent loans | 659.1743% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 2,779 |
| Noncurrent loans to loans | 0.1469% | 2,878 |
| Net loans and leases to total assets | 86.7200% | 126 |
| Net loans and leases to deposits | 95.3297% | 775 |
| Net loans and leases to core deposits | 103.0087% | 1,246 |
| Total domestic deposits to total assets | 90.9600% | 539 |
| Equity capital to assets | 8.3996% | 3,083 |
| Core capital (leverage) ratio | 9.6959% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $342,918,000 | 2,244 |
| Average earning assets | $327,105,500 | 2,208 |
| Average equity | $28,546,000 | 2,422 |
| Average total loans | $297,451,500 | 1,852 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 3,438 |
| Cost of funding earning assets | 1.5522% | 1,806 |
| Net interest margin | 2.7529% | 3,746 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 3.4055% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.3042% | 4,486 |
| Return on assets (ROA) | -0.3042% | 4,471 |
| Pretax return on assets | -0.3042% | 4,456 |
| Return on Equity (ROE) | -3.6600% | 4,451 |
| Retained earnings to average equity (ytd only) | -3.6590% | 4,356 |
| Net charge-offs to loans | -0.0017% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 109.8091% | 108 |
| Assets per employee ($millions) | 4.2294% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,472 |
| Loan loss allowance to noncurrent loans | 1,473.3333% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,208 |
| Noncurrent loans to loans | 0.0654% | 3,248 |
| Net loans and leases to total assets | 85.1100% | 199 |
| Net loans and leases to deposits | 93.2661% | 995 |
| Net loans and leases to core deposits | 100.0451% | 1,433 |
| Total domestic deposits to total assets | 91.2500% | 439 |
| Equity capital to assets | 8.2510% | 3,241 |
| Core capital (leverage) ratio | 9.7048% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $344,501,200 | 2,212 |
| Average earning assets | $327,977,000 | 2,186 |
| Average equity | $28,641,800 | 2,337 |
| Average total loans | $295,978,200 | 1,806 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,425 |
| Cost of funding earning assets | 1.3687% | 1,955 |
| Net interest margin | 2.8572% | 3,625 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.4173% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.2140% | 4,499 |
| Return on assets (ROA) | -0.2140% | 4,483 |
| Pretax return on assets | -0.2140% | 4,478 |
| Return on Equity (ROE) | -2.5700% | 4,463 |
| Retained earnings to average equity (ytd only) | -2.5690% | 4,348 |
| Net charge-offs to loans | -0.0018% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 106.6804% | 119 |
| Assets per employee ($millions) | 4.2405% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,548 |
| Loan loss allowance to noncurrent loans | 950.9934% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,009 |
| Noncurrent loans to loans | 0.1002% | 3,073 |
| Net loans and leases to total assets | 85.8400% | 169 |
| Net loans and leases to deposits | 93.5897% | 933 |
| Net loans and leases to core deposits | 99.6841% | 1,332 |
| Total domestic deposits to total assets | 91.7200% | 511 |
| Equity capital to assets | 7.8624% | 3,144 |
| Core capital (leverage) ratio | 9.8925% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $343,924,750 | 2,223 |
| Average earning assets | $327,301,750 | 2,192 |
| Average equity | $28,648,500 | 2,314 |
| Average total loans | $295,464,000 | 1,809 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,453 |
| Cost of funding earning assets | 1.1891% | 2,026 |
| Net interest margin | 2.9284% | 3,595 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.4641% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1944% | 4,534 |
| Return on assets (ROA) | -0.1944% | 4,518 |
| Pretax return on assets | -0.1944% | 4,513 |
| Return on Equity (ROE) | -2.2900% | 4,499 |
| Retained earnings to average equity (ytd only) | -2.2898% | 4,306 |
| Net charge-offs to loans | -0.0020% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 105.9443% | 118 |
| Assets per employee ($millions) | 4.2143% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5165% | 4,366 |
| Loan loss allowance to noncurrent loans | 518.1208% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 2,929 |
| Noncurrent loans to loans | 0.0997% | 2,993 |
| Net loans and leases to total assets | 86.0600% | 150 |
| Net loans and leases to deposits | 94.6411% | 808 |
| Net loans and leases to core deposits | 100.3987% | 1,213 |
| Total domestic deposits to total assets | 90.9400% | 668 |
| Equity capital to assets | 8.6764% | 2,730 |
| Core capital (leverage) ratio | 10.4182% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $342,659,667 | 2,232 |
| Average earning assets | $326,801,333 | 2,201 |
| Average equity | $29,085,000 | 2,300 |
| Average total loans | $293,500,667 | 1,810 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 3,313 |
| Cost of funding earning assets | 1.0271% | 1,960 |
| Net interest margin | 3.0444% | 3,482 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.4009% | 600 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0258% | 4,506 |
| Return on assets (ROA) | -0.0258% | 4,490 |
| Pretax return on assets | -0.0258% | 4,474 |
| Return on Equity (ROE) | -0.3100% | 4,463 |
| Retained earnings to average equity (ytd only) | -0.3073% | 4,065 |
| Net charge-offs to loans | -0.0014% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 100.7642% | 162 |
| Assets per employee ($millions) | 4.2714% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5298% | 4,418 |
| Loan loss allowance to noncurrent loans | 876.7045% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,386 |
| Noncurrent loans to loans | 0.0604% | 3,302 |
| Net loans and leases to total assets | 83.7200% | 254 |
| Net loans and leases to deposits | 91.7430% | 933 |
| Net loans and leases to core deposits | 97.9207% | 1,177 |
| Total domestic deposits to total assets | 91.2600% | 716 |
| Equity capital to assets | 8.3816% | 2,983 |
| Core capital (leverage) ratio | 10.5974% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $341,205,000 | 2,269 |
| Average earning assets | $325,578,000 | 2,232 |
| Average equity | $28,636,000 | 2,351 |
| Average total loans | $290,776,000 | 1,827 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 2,732 |
| Cost of funding earning assets | 0.4043% | 2,058 |
| Net interest margin | 3.2171% | 2,817 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 3.5978% | 452 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.0532% | 4,536 |
| Return on assets (ROA) | 0.0640% | 4,519 |
| Pretax return on assets | 0.0649% | 4,518 |
| Return on Equity (ROE) | 0.6800% | 4,510 |
| Retained earnings to average equity (ytd only) | 0.6775% | 4,248 |
| Net charge-offs to loans | 0.0004% | 2,599 |
| Credit loss provision to net charge-offs | 5,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 585 |
| Efficiency ratio | 98.0621% | 171 |
| Assets per employee ($millions) | 3.9580% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 4,411 |
| Loan loss allowance to noncurrent loans | 1,203.9063% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,493 |
| Noncurrent loans to loans | 0.0441% | 3,444 |
| Net loans and leases to total assets | 85.8400% | 166 |
| Net loans and leases to deposits | 94.1108% | 774 |
| Net loans and leases to core deposits | 98.6888% | 1,070 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 8.4039% | 2,772 |
| Core capital (leverage) ratio | 10.7390% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $322,082,800 | 2,340 |
| Average earning assets | $307,421,600 | 2,292 |
| Average equity | $30,404,200 | 2,317 |
| Average total loans | $265,469,400 | 1,872 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 2,756 |
| Cost of funding earning assets | 0.3425% | 1,765 |
| Net interest margin | 3.1144% | 2,889 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 3.6190% | 435 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.0054% | 4,584 |
| Return on assets (ROA) | 0.0201% | 4,554 |
| Pretax return on assets | 0.0201% | 4,549 |
| Return on Equity (ROE) | 0.2100% | 4,552 |
| Retained earnings to average equity (ytd only) | 0.2069% | 4,308 |
| Net charge-offs to loans | 0.0021% | 2,209 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,020 |
| Efficiency ratio | 99.5624% | 161 |
| Assets per employee ($millions) | 3.6382% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5359% | 4,446 |
| Loan loss allowance to noncurrent loans | 473.0408% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 2,187 |
| Noncurrent loans to loans | 0.1133% | 3,080 |
| Net loans and leases to total assets | 85.5400% | 153 |
| Net loans and leases to deposits | 93.9519% | 640 |
| Net loans and leases to core deposits | 97.8351% | 905 |
| Total domestic deposits to total assets | 91.0500% | 1,219 |
| Equity capital to assets | 8.6826% | 2,420 |
| Core capital (leverage) ratio | 11.1307% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $318,497,000 | 2,379 |
| Average earning assets | $304,385,750 | 2,329 |
| Average equity | $30,937,000 | 2,325 |
| Average total loans | $259,253,000 | 1,902 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 2,731 |
| Cost of funding earning assets | 0.3232% | 1,502 |
| Net interest margin | 2.9794% | 2,941 |
| Noninterest income to average assets | 0.7214% | 1,258 |
| Noninterest expense to average assets | 3.6011% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0342% | 4,589 |
| Return on assets (ROA) | -0.0120% | 4,548 |
| Pretax return on assets | -0.0120% | 4,541 |
| Return on Equity (ROE) | -0.1196% | 4,551 |
| Retained earnings to average equity (ytd only) | -0.1196% | 4,190 |
| Net charge-offs to loans | 0.0048% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 2,130 |
| Efficiency ratio | 100.9597% | 180 |
| Assets per employee ($millions) | 3.6636% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 4,504 |
| Loan loss allowance to noncurrent loans | 217.3021% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 1,979 |
| Noncurrent loans to loans | 0.2543% | 2,459 |
| Net loans and leases to total assets | 83.6777% | 201 |
| Net loans and leases to deposits | 92.4624% | 585 |
| Net loans and leases to core deposits | 95.0183% | 864 |
| Total domestic deposits to total assets | 90.4991% | 1,465 |
| Equity capital to assets | 9.3675% | 2,114 |
| Core capital (leverage) ratio | 11.4552% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,517,333 | 2,407 |
| Average earning assets | $301,335,667 | 2,376 |
| Average equity | $31,772,667 | 2,325 |
| Average total loans | $251,803,000 | 1,934 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1130% | 2,941 |
| Cost of funding earning assets | 0.3259% | 1,407 |
| Net interest margin | 2.7872% | 3,179 |
| Noninterest income to average assets | 0.8359% | 960 |
| Noninterest expense to average assets | 3.5080% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0127% | 4,556 |
| Return on assets (ROA) | 0.0319% | 4,506 |
| Pretax return on assets | 0.0319% | 4,501 |
| Return on Equity (ROE) | 0.3055% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.3055% | 3,954 |
| Net charge-offs to loans | 0.0115% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -1.4286% | 1,796 |
| Efficiency ratio | 100.3646% | 239 |
| Assets per employee ($millions) | 3.4293% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5958% | 4,510 |
| Loan loss allowance to noncurrent loans | 239.2569% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 2,148 |
| Noncurrent loans to loans | 0.2490% | 2,597 |
| Net loans and leases to total assets | 78.3216% | 354 |
| Net loans and leases to deposits | 88.8617% | 567 |
| Net loans and leases to core deposits | 91.0848% | 870 |
| Total domestic deposits to total assets | 88.1388% | 2,465 |
| Equity capital to assets | 10.1683% | 1,779 |
| Core capital (leverage) ratio | 11.6094% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,911,500 | 2,426 |
| Average earning assets | $299,515,000 | 2,392 |
| Average equity | $32,730,500 | 2,345 |
| Average total loans | $243,611,000 | 1,968 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 3,057 |
| Cost of funding earning assets | 0.3787% | 1,693 |
| Net interest margin | 2.9696% | 3,273 |
| Noninterest income to average assets | 2.8929% | 194 |
| Noninterest expense to average assets | 4.3964% | 225 |
| Loan and lease loss provision to assets | 0.0565% | 1,921 |
| Net operating income to assets | 1.2694% | 1,690 |
| Return on assets (ROA) | 1.2694% | 1,747 |
| Pretax return on assets | 1.2694% | 2,460 |
| Return on Equity (ROE) | 12.8397% | 1,512 |
| Retained earnings to average equity (ytd only) | 12.8397% | 418 |
| Net charge-offs to loans | 0.0382% | 1,489 |
| Credit loss provision to net charge-offs | 192.3077% | 1,328 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 1,363 |
| Efficiency ratio | 76.8289% | 1,043 |
| Assets per employee ($millions) | 3.2876% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6235% | 4,527 |
| Loan loss allowance to noncurrent loans | 196.5654% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 2,060 |
| Noncurrent loans to loans | 0.3172% | 2,454 |
| Net loans and leases to total assets | 75.9304% | 526 |
| Net loans and leases to deposits | 86.7985% | 728 |
| Net loans and leases to core deposits | 89.0520% | 1,008 |
| Total domestic deposits to total assets | 87.4790% | 2,288 |
| Equity capital to assets | 10.6876% | 2,020 |
| Core capital (leverage) ratio | 11.2103% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,824,200 | 2,395 |
| Average earning assets | $295,195,800 | 2,354 |
| Average equity | $30,631,600 | 2,490 |
| Average total loans | $237,944,600 | 1,998 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3524% | 3,238 |
| Cost of funding earning assets | 0.3886% | 1,789 |
| Net interest margin | 2.9638% | 3,409 |
| Noninterest income to average assets | 3.2160% | 181 |
| Noninterest expense to average assets | 4.5251% | 211 |
| Loan and lease loss provision to assets | 0.0647% | 1,706 |
| Net operating income to assets | 1.4480% | 1,402 |
| Return on assets (ROA) | 1.4480% | 1,464 |
| Pretax return on assets | 1.4480% | 2,157 |
| Return on Equity (ROE) | 14.9517% | 1,151 |
| Retained earnings to average equity (ytd only) | 14.9517% | 406 |
| Net charge-offs to loans | 0.0510% | 1,158 |
| Credit loss provision to net charge-offs | 164.8352% | 1,298 |
| Earnings coverage of net charge-offs (x) | 38.5495% | 1,395 |
| Efficiency ratio | 74.9464% | 1,133 |
| Assets per employee ($millions) | 3.2368% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6204% | 4,610 |
| Loan loss allowance to noncurrent loans | 228.2371% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 2,499 |
| Noncurrent loans to loans | 0.2718% | 2,829 |
| Net loans and leases to total assets | 73.8739% | 703 |
| Net loans and leases to deposits | 84.2084% | 948 |
| Net loans and leases to core deposits | 86.4252% | 1,266 |
| Total domestic deposits to total assets | 87.7274% | 1,991 |
| Equity capital to assets | 10.3972% | 2,533 |
| Core capital (leverage) ratio | 11.2618% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,199,250 | 2,417 |
| Average earning assets | $294,392,750 | 2,384 |
| Average equity | $29,944,500 | 2,572 |
| Average total loans | $237,771,500 | 2,042 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 3,124 |
| Cost of funding earning assets | 0.4003% | 1,885 |
| Net interest margin | 3.0179% | 3,275 |
| Noninterest income to average assets | 3.7034% | 151 |
| Noninterest expense to average assets | 4.7421% | 191 |
| Loan and lease loss provision to assets | 0.0652% | 1,739 |
| Net operating income to assets | 1.7636% | 773 |
| Return on assets (ROA) | 1.7636% | 815 |
| Pretax return on assets | 1.7636% | 1,319 |
| Return on Equity (ROE) | 18.6850% | 575 |
| Retained earnings to average equity (ytd only) | 18.6850% | 194 |
| Net charge-offs to loans | 0.0763% | 893 |
| Credit loss provision to net charge-offs | 109.8901% | 1,308 |
| Earnings coverage of net charge-offs (x) | 30.8022% | 1,295 |
| Efficiency ratio | 72.1676% | 1,421 |
| Assets per employee ($millions) | 3.0666% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 4,630 |
| Loan loss allowance to noncurrent loans | 178.0580% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 2,395 |
| Noncurrent loans to loans | 0.3526% | 2,641 |
| Net loans and leases to total assets | 70.7481% | 1,121 |
| Net loans and leases to deposits | 80.5501% | 1,374 |
| Net loans and leases to core deposits | 82.6309% | 1,668 |
| Total domestic deposits to total assets | 87.8312% | 1,922 |
| Equity capital to assets | 10.2889% | 2,587 |
| Core capital (leverage) ratio | 11.2612% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,528,667 | 2,420 |
| Average earning assets | $291,260,000 | 2,393 |
| Average equity | $28,932,333 | 2,626 |
| Average total loans | $238,429,000 | 2,045 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 2,893 |
| Cost of funding earning assets | 0.4155% | 1,971 |
| Net interest margin | 3.0937% | 3,009 |
| Noninterest income to average assets | 4.7359% | 125 |
| Noninterest expense to average assets | 5.1546% | 165 |
| Loan and lease loss provision to assets | 0.0663% | 1,819 |
| Net operating income to assets | 2.4554% | 282 |
| Return on assets (ROA) | 2.4554% | 306 |
| Pretax return on assets | 2.4554% | 470 |
| Return on Equity (ROE) | 27.3007% | 196 |
| Retained earnings to average equity (ytd only) | 27.3007% | 104 |
| Net charge-offs to loans | 0.0995% | 690 |
| Credit loss provision to net charge-offs | 81.9672% | 1,197 |
| Earnings coverage of net charge-offs (x) | 31.1967% | 1,080 |
| Efficiency ratio | 67.1500% | 2,046 |
| Assets per employee ($millions) | 2.9087% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5768% | 4,713 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 2,029 |
| Noncurrent loans to loans | 0.3965% | 2,682 |
| Net loans and leases to total assets | 79.3211% | 377 |
| Net loans and leases to deposits | 90.0200% | 696 |
| Net loans and leases to core deposits | 92.7426% | 1,061 |
| Total domestic deposits to total assets | 88.1150% | 1,782 |
| Equity capital to assets | 9.1836% | 3,506 |
| Core capital (leverage) ratio | 11.3507% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,865,000 | 2,431 |
| Average earning assets | $286,904,500 | 2,397 |
| Average equity | $27,149,500 | 2,719 |
| Average total loans | $245,206,500 | 1,992 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 3,184 |
| Cost of funding earning assets | 0.5903% | 2,386 |
| Net interest margin | 3.2512% | 3,207 |
| Noninterest income to average assets | 3.0249% | 188 |
| Noninterest expense to average assets | 4.7013% | 223 |
| Loan and lease loss provision to assets | 0.0613% | 3,604 |
| Net operating income to assets | 1.3359% | 1,159 |
| Return on assets (ROA) | 1.3359% | 1,253 |
| Pretax return on assets | 1.3359% | 1,864 |
| Return on Equity (ROE) | 16.3746% | 465 |
| Retained earnings to average equity (ytd only) | 16.3746% | 114 |
| Net charge-offs to loans | 0.0172% | 2,745 |
| Credit loss provision to net charge-offs | 420.4545% | 1,385 |
| Earnings coverage of net charge-offs (x) | 95.7727% | 806 |
| Efficiency ratio | 77.0891% | 1,113 |
| Assets per employee ($millions) | 2.8417% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5633% | 4,745 |
| Loan loss allowance to noncurrent loans | 109.5238% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 1,901 |
| Noncurrent loans to loans | 0.5143% | 2,429 |
| Net loans and leases to total assets | 82.2201% | 278 |
| Net loans and leases to deposits | 92.9510% | 722 |
| Net loans and leases to core deposits | 95.7407% | 1,137 |
| Total domestic deposits to total assets | 88.4554% | 1,253 |
| Equity capital to assets | 8.8034% | 4,219 |
| Core capital (leverage) ratio | 10.4817% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,599,000 | 2,285 |
| Average earning assets | $285,127,000 | 2,261 |
| Average equity | $24,605,200 | 2,833 |
| Average total loans | $255,840,400 | 1,897 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,267 |
| Cost of funding earning assets | 0.6373% | 2,395 |
| Net interest margin | 3.2583% | 3,313 |
| Noninterest income to average assets | 2.4187% | 250 |
| Noninterest expense to average assets | 4.5423% | 248 |
| Loan and lease loss provision to assets | 0.0597% | 3,595 |
| Net operating income to assets | 0.8967% | 2,725 |
| Return on assets (ROA) | 0.8967% | 2,838 |
| Pretax return on assets | 0.8967% | 3,393 |
| Return on Equity (ROE) | 11.2126% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.2126% | 535 |
| Net charge-offs to loans | 0.0228% | 2,392 |
| Credit loss provision to net charge-offs | 306.8182% | 1,739 |
| Earnings coverage of net charge-offs (x) | 49.1818% | 1,203 |
| Efficiency ratio | 82.6073% | 704 |
| Assets per employee ($millions) | 2.9382% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 4,792 |
| Loan loss allowance to noncurrent loans | 106.5354% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 870 |
| Noncurrent loans to loans | 0.4938% | 2,579 |
| Net loans and leases to total assets | 84.5333% | 238 |
| Net loans and leases to deposits | 94.7497% | 865 |
| Net loans and leases to core deposits | 97.9295% | 1,312 |
| Total domestic deposits to total assets | 89.2175% | 681 |
| Equity capital to assets | 8.1292% | 4,666 |
| Core capital (leverage) ratio | 10.0383% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,693,000 | 2,271 |
| Average earning assets | $285,170,000 | 2,241 |
| Average equity | $24,127,000 | 2,860 |
| Average total loans | $257,533,250 | 1,873 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,315 |
| Cost of funding earning assets | 0.6996% | 2,383 |
| Net interest margin | 3.3020% | 3,382 |
| Noninterest income to average assets | 1.5077% | 460 |
| Noninterest expense to average assets | 4.4051% | 278 |
| Loan and lease loss provision to assets | 0.0896% | 3,152 |
| Net operating income to assets | 0.1327% | 4,648 |
| Return on assets (ROA) | 0.1327% | 4,683 |
| Pretax return on assets | 0.1327% | 4,699 |
| Return on Equity (ROE) | 1.6688% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.6688% | 3,884 |
| Net charge-offs to loans | 0.0342% | 2,054 |
| Credit loss provision to net charge-offs | 306.8182% | 1,600 |
| Earnings coverage of net charge-offs (x) | 7.6136% | 2,352 |
| Efficiency ratio | 95.1958% | 264 |
| Assets per employee ($millions) | 2.9356% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 4,808 |
| Loan loss allowance to noncurrent loans | 100.9694% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 923 |
| Noncurrent loans to loans | 0.5222% | 2,595 |
| Net loans and leases to total assets | 83.6644% | 277 |
| Net loans and leases to deposits | 94.5820% | 903 |
| Net loans and leases to core deposits | 97.9845% | 1,411 |
| Total domestic deposits to total assets | 88.4570% | 961 |
| Equity capital to assets | 7.4480% | 4,891 |
| Core capital (leverage) ratio | 9.3018% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,378,000 | 2,243 |
| Average earning assets | $284,732,333 | 2,220 |
| Average equity | $23,968,667 | 2,857 |
| Average total loans | $257,650,000 | 1,857 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,460 |
| Cost of funding earning assets | 0.7740% | 2,523 |
| Net interest margin | 3.3479% | 3,455 |
| Noninterest income to average assets | 1.3613% | 479 |
| Noninterest expense to average assets | 4.2937% | 371 |
| Loan and lease loss provision to assets | 0.1136% | 2,262 |
| Net operating income to assets | 0.1149% | 4,642 |
| Return on assets (ROA) | 0.1149% | 4,643 |
| Pretax return on assets | 0.1149% | 4,650 |
| Return on Equity (ROE) | 1.3993% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.3993% | 3,634 |
| Net charge-offs to loans | 0.0682% | 1,343 |
| Credit loss provision to net charge-offs | 193.1818% | 1,434 |
| Earnings coverage of net charge-offs (x) | 3.8864% | 2,177 |
| Efficiency ratio | 94.9483% | 349 |
| Assets per employee ($millions) | 2.8878% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5076% | 4,864 |
| Loan loss allowance to noncurrent loans | 102.7603% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5364% | 686 |
| Noncurrent loans to loans | 0.4939% | 2,784 |
| Net loans and leases to total assets | 85.8690% | 146 |
| Net loans and leases to deposits | 103.4321% | 391 |
| Net loans and leases to core deposits | 107.8604% | 950 |
| Total domestic deposits to total assets | 83.0197% | 3,106 |
| Equity capital to assets | 8.3099% | 4,894 |
| Core capital (leverage) ratio | 9.3388% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,416,000 | 2,211 |
| Average earning assets | $282,685,500 | 2,186 |
| Average equity | $24,583,500 | 2,804 |
| Average total loans | $258,083,500 | 1,815 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 3,608 |
| Cost of funding earning assets | 0.9213% | 2,108 |
| Net interest margin | 3.3531% | 3,866 |
| Noninterest income to average assets | 1.3350% | 535 |
| Noninterest expense to average assets | 4.2281% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2662% | 4,784 |
| Return on assets (ROA) | 0.2662% | 4,806 |
| Pretax return on assets | 0.2484% | 4,854 |
| Return on Equity (ROE) | 4.1051% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.1051% | 2,920 |
| Net charge-offs to loans | 0.0120% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,792 |
| Efficiency ratio | 94.4517% | 239 |
| Assets per employee ($millions) | 2.9261% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4864% | 4,901 |
| Loan loss allowance to noncurrent loans | 113.3872% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4649% | 696 |
| Noncurrent loans to loans | 0.4290% | 2,912 |
| Net loans and leases to total assets | 85.6669% | 183 |
| Net loans and leases to deposits | 101.2474% | 516 |
| Net loans and leases to core deposits | 105.6077% | 1,132 |
| Total domestic deposits to total assets | 84.6115% | 2,640 |
| Equity capital to assets | 8.1123% | 5,035 |
| Core capital (leverage) ratio | 9.1509% | 4,403 |
| Tier 1 risk-based capital ratio | 14.0494% | 3,242 |
| Total risk-based capital ratio | 14.6971% | 3,438 |
| Memoranda: | ||
| Average total assets | $309,216,000 | 2,110 |
| Average earning assets | $289,698,600 | 2,090 |
| Average equity | $20,048,200 | 3,128 |
| Average total loans | $265,800,800 | 1,750 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 3,646 |
| Cost of funding earning assets | 0.9647% | 1,913 |
| Net interest margin | 3.3374% | 4,017 |
| Noninterest income to average assets | 1.2229% | 610 |
| Noninterest expense to average assets | 4.1939% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1744% | 4,967 |
| Return on assets (ROA) | 0.1744% | 4,979 |
| Pretax return on assets | 0.1508% | 5,014 |
| Return on Equity (ROE) | 2.8639% | 4,785 |
| Retained earnings to average equity (ytd only) | 2.8639% | 3,945 |
| Net charge-offs to loans | 0.0040% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 43.9850% | 1,285 |
| Efficiency ratio | 96.5286% | 193 |
| Assets per employee ($millions) | 3.0456% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 5,003 |
| Loan loss allowance to noncurrent loans | 107.6087% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 722 |
| Noncurrent loans to loans | 0.4413% | 2,990 |
| Net loans and leases to total assets | 85.1511% | 242 |
| Net loans and leases to deposits | 102.7153% | 462 |
| Net loans and leases to core deposits | 106.6553% | 1,135 |
| Total domestic deposits to total assets | 82.9001% | 3,201 |
| Equity capital to assets | 7.6497% | 5,179 |
| Core capital (leverage) ratio | 8.8138% | 4,766 |
| Tier 1 risk-based capital ratio | 13.4310% | 3,611 |
| Total risk-based capital ratio | 14.0721% | 3,842 |
| Memoranda: | ||
| Average total assets | $311,171,750 | 2,105 |
| Average earning assets | $291,073,750 | 2,093 |
| Average equity | $18,947,750 | 3,252 |
| Average total loans | $267,387,000 | 1,754 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 3,406 |
| Cost of funding earning assets | 0.9969% | 1,705 |
| Net interest margin | 3.3768% | 3,967 |
| Noninterest income to average assets | 0.8767% | 1,131 |
| Noninterest expense to average assets | 4.2000% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1675% | 5,141 |
| Return on assets (ROA) | -0.1675% | 5,144 |
| Pretax return on assets | -0.1675% | 5,138 |
| Return on Equity (ROE) | -3.0117% | 5,187 |
| Retained earnings to average equity (ytd only) | -3.0117% | 4,971 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1526% | 128 |
| Assets per employee ($millions) | 2.9742% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4841% | 5,037 |
| Loan loss allowance to noncurrent loans | 84.8525% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7948% | 567 |
| Noncurrent loans to loans | 0.5705% | 2,549 |
| Net loans and leases to total assets | 85.1848% | 273 |
| Net loans and leases to deposits | 109.3400% | 231 |
| Net loans and leases to core deposits | 113.4558% | 799 |
| Total domestic deposits to total assets | 77.9081% | 4,413 |
| Equity capital to assets | 7.5379% | 5,231 |
| Core capital (leverage) ratio | 8.5647% | 4,933 |
| Tier 1 risk-based capital ratio | 13.3760% | 3,642 |
| Total risk-based capital ratio | 14.0318% | 3,858 |
| Memoranda: | ||
| Average total assets | $309,337,000 | 2,123 |
| Average earning assets | $289,087,000 | 2,103 |
| Average equity | $17,199,670 | 3,444 |
| Average total loans | $266,183,000 | 1,768 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 3,417 |
| Cost of funding earning assets | 1.0065% | 1,545 |
| Net interest margin | 3.3392% | 4,063 |
| Noninterest income to average assets | 0.6016% | 2,036 |
| Noninterest expense to average assets | 4.0875% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.3651% | 5,235 |
| Return on assets (ROA) | -0.3651% | 5,231 |
| Pretax return on assets | -0.3651% | 5,227 |
| Return on Equity (ROE) | -8.0117% | 5,280 |
| Retained earnings to average equity (ytd only) | -8.0117% | 5,030 |
| Net charge-offs to loans | 0.0105% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -40.1429% | 2,729 |
| Efficiency ratio | 109.8080% | 106 |
| Assets per employee ($millions) | 3.0289% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 5,095 |
| Loan loss allowance to noncurrent loans | 99.8450% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 632 |
| Noncurrent loans to loans | 0.4881% | 2,847 |
| Net loans and leases to total assets | 85.9638% | 190 |
| Net loans and leases to deposits | 106.7229% | 300 |
| Net loans and leases to core deposits | 110.9486% | 879 |
| Total domestic deposits to total assets | 80.5486% | 4,061 |
| Equity capital to assets | 4.5905% | 5,352 |
| Core capital (leverage) ratio | 5.2091% | 5,349 |
| Tier 1 risk-based capital ratio | 8.1586% | 5,344 |
| Total risk-based capital ratio | 8.8220% | 5,348 |
| Memoranda: | ||
| Average total assets | $307,862,000 | 2,148 |
| Average earning assets | $287,730,000 | 2,127 |
| Average equity | $14,029,500 | 3,797 |
| Average total loans | $265,617,000 | 1,782 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 3,384 |
| Cost of funding earning assets | 0.7391% | 1,853 |
| Net interest margin | 3.4815% | 3,766 |
| Noninterest income to average assets | 0.5994% | 2,294 |
| Noninterest expense to average assets | 4.1251% | 450 |
| Loan and lease loss provision to assets | 0.1392% | 1,542 |
| Net operating income to assets | -0.2669% | 5,285 |
| Return on assets (ROA) | -0.2669% | 5,283 |
| Pretax return on assets | -0.4062% | 5,303 |
| Return on Equity (ROE) | -5.8405% | 5,323 |
| Retained earnings to average equity (ytd only) | -5.8405% | 5,261 |
| Net charge-offs to loans | 0.3765% | 504 |
| Credit loss provision to net charge-offs | 42.7996% | 3,259 |
| Earnings coverage of net charge-offs (x) | -0.8207% | 3,730 |
| Efficiency ratio | 106.9191% | 99 |
| Assets per employee ($millions) | 3.0373% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 5,137 |
| Loan loss allowance to noncurrent loans | 98.1804% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.7572% | 597 |
| Noncurrent loans to loans | 0.4941% | 2,792 |
| Net loans and leases to total assets | 85.7544% | 249 |
| Net loans and leases to deposits | 109.1472% | 271 |
| Net loans and leases to core deposits | 113.5068% | 800 |
| Total domestic deposits to total assets | 78.5677% | 4,395 |
| Equity capital to assets | 4.5241% | 5,398 |
| Core capital (leverage) ratio | 5.2997% | 5,391 |
| Tier 1 risk-based capital ratio | 8.2930% | 5,389 |
| Total risk-based capital ratio | 8.9591% | 5,391 |
| Memoranda: | ||
| Average total assets | $305,302,800 | 2,120 |
| Average earning assets | $285,769,200 | 2,099 |
| Average equity | $13,954,200 | 3,756 |
| Average total loans | $263,773,000 | 1,764 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,408 |
| Cost of funding earning assets | 0.6905% | 1,901 |
| Net interest margin | 3.4802% | 3,763 |
| Noninterest income to average assets | 0.5812% | 2,410 |
| Noninterest expense to average assets | 4.1769% | 408 |
| Loan and lease loss provision to assets | 0.1863% | 967 |
| Net operating income to assets | -0.3371% | 5,373 |
| Return on assets (ROA) | -0.3371% | 5,370 |
| Pretax return on assets | -0.5234% | 5,383 |
| Return on Equity (ROE) | -7.3558% | 5,408 |
| Retained earnings to average equity (ytd only) | -7.3558% | 5,356 |
| Net charge-offs to loans | 0.4999% | 314 |
| Credit loss provision to net charge-offs | 43.1034% | 2,880 |
| Earnings coverage of net charge-offs (x) | -0.7799% | 3,435 |
| Efficiency ratio | 108.7785% | 86 |
| Assets per employee ($millions) | 2.9089% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 5,203 |
| Loan loss allowance to noncurrent loans | 156.3025% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 762 |
| Noncurrent loans to loans | 0.3118% | 3,554 |
| Net loans and leases to total assets | 86.2197% | 246 |
| Net loans and leases to deposits | 106.7172% | 413 |
| Net loans and leases to core deposits | 111.2304% | 955 |
| Total domestic deposits to total assets | 80.7926% | 3,923 |
| Equity capital to assets | 4.4804% | 5,471 |
| Core capital (leverage) ratio | 5.2977% | 5,465 |
| Tier 1 risk-based capital ratio | 8.3390% | 5,461 |
| Total risk-based capital ratio | 9.0105% | 5,463 |
| Memoranda: | ||
| Average total assets | $304,176,500 | 2,136 |
| Average earning assets | $284,803,500 | 2,116 |
| Average equity | $13,938,750 | 3,781 |
| Average total loans | $262,974,000 | 1,776 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 3,472 |
| Cost of funding earning assets | 0.6215% | 2,094 |
| Net interest margin | 3.4725% | 3,725 |
| Noninterest income to average assets | 0.5330% | 2,670 |
| Noninterest expense to average assets | 4.1997% | 408 |
| Loan and lease loss provision to assets | 0.2807% | 513 |
| Net operating income to assets | -0.4148% | 5,429 |
| Return on assets (ROA) | -0.4148% | 5,423 |
| Pretax return on assets | -0.6962% | 5,450 |
| Return on Equity (ROE) | -8.9843% | 5,466 |
| Retained earnings to average equity (ytd only) | -8.9843% | 5,399 |
| Net charge-offs to loans | 0.7378% | 195 |
| Credit loss provision to net charge-offs | 44.0415% | 2,533 |
| Earnings coverage of net charge-offs (x) | -0.6518% | 3,153 |
| Efficiency ratio | 110.9792% | 95 |
| Assets per employee ($millions) | 2.9566% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 5,272 |
| Loan loss allowance to noncurrent loans | 91.6898% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7234% | 705 |
| Noncurrent loans to loans | 0.5315% | 2,828 |
| Net loans and leases to total assets | 86.2622% | 243 |
| Net loans and leases to deposits | 106.8477% | 402 |
| Net loans and leases to core deposits | 111.0506% | 936 |
| Total domestic deposits to total assets | 80.7338% | 4,069 |
| Equity capital to assets | 4.4997% | 5,532 |
| Core capital (leverage) ratio | 5.4639% | 5,522 |
| Tier 1 risk-based capital ratio | 8.2278% | 5,522 |
| Total risk-based capital ratio | 8.8957% | 5,525 |
| Memoranda: | ||
| Average total assets | $302,787,000 | 2,153 |
| Average earning assets | $283,486,000 | 2,136 |
| Average equity | $13,980,000 | 3,800 |
| Average total loans | $261,580,000 | 1,781 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,186 |
| Cost of funding earning assets | 0.5859% | 2,133 |
| Net interest margin | 3.5298% | 3,426 |
| Noninterest income to average assets | 0.6064% | 2,226 |
| Noninterest expense to average assets | 4.3109% | 351 |
| Loan and lease loss provision to assets | 0.5715% | 179 |
| Net operating income to assets | -0.8888% | 5,528 |
| Return on assets (ROA) | -0.8888% | 5,527 |
| Pretax return on assets | -0.9708% | 5,530 |
| Return on Equity (ROE) | -18.9956% | 5,571 |
| Retained earnings to average equity (ytd only) | -18.9956% | 5,492 |
| Net charge-offs to loans | 1.5140% | 93 |
| Credit loss provision to net charge-offs | 43.7693% | 1,989 |
| Earnings coverage of net charge-offs (x) | -0.3059% | 2,664 |
| Efficiency ratio | 110.2097% | 103 |
| Assets per employee ($millions) | 2.8286% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 5,313 |
| Loan loss allowance to noncurrent loans | 107.6797% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.9293% | 608 |
| Noncurrent loans to loans | 0.4782% | 3,084 |
| Net loans and leases to total assets | 85.7298% | 282 |
| Net loans and leases to deposits | 100.6710% | 661 |
| Net loans and leases to core deposits | 104.1280% | 1,370 |
| Total domestic deposits to total assets | 85.1584% | 2,879 |
| Equity capital to assets | 4.5478% | 5,590 |
| Core capital (leverage) ratio | 5.4011% | 5,584 |
| Tier 1 risk-based capital ratio | 8.4508% | 5,586 |
| Total risk-based capital ratio | 9.1548% | 5,587 |
| Memoranda: | ||
| Average total assets | $297,481,000 | 2,204 |
| Average earning assets | $278,545,500 | 2,191 |
| Average equity | $13,919,000 | 3,838 |
| Average total loans | $256,535,500 | 1,818 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 2,960 |
| Cost of funding earning assets | 0.4651% | 2,642 |
| Net interest margin | 3.6627% | 2,942 |
| Noninterest income to average assets | 0.7496% | 1,774 |
| Noninterest expense to average assets | 4.1693% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0256% | 5,334 |
| Return on assets (ROA) | 0.0256% | 5,334 |
| Pretax return on assets | 0.0256% | 5,424 |
| Return on Equity (ROE) | 0.5747% | 5,299 |
| Retained earnings to average equity (ytd only) | 0.5747% | 4,811 |
| Net charge-offs to loans | 0.9896% | 183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.0298% | 4,015 |
| Efficiency ratio | 99.3892% | 181 |
| Assets per employee ($millions) | 2.7087% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 5,018 |
| Loan loss allowance to noncurrent loans | 152.1633% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8949% | 624 |
| Noncurrent loans to loans | 0.4764% | 3,082 |
| Net loans and leases to total assets | 85.6725% | 281 |
| Net loans and leases to deposits | 99.0010% | 817 |
| Net loans and leases to core deposits | 102.4987% | 1,523 |
| Total domestic deposits to total assets | 86.5371% | 2,211 |
| Equity capital to assets | 4.8097% | 5,651 |
| Core capital (leverage) ratio | 5.4277% | 5,647 |
| Tier 1 risk-based capital ratio | 8.7559% | 5,641 |
| Total risk-based capital ratio | 9.7462% | 5,644 |
| Memoranda: | ||
| Average total assets | $304,438,200 | 2,143 |
| Average earning assets | $286,376,400 | 2,123 |
| Average equity | $13,573,000 | 3,906 |
| Average total loans | $264,351,600 | 1,739 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,026 |
| Cost of funding earning assets | 0.4433% | 2,773 |
| Net interest margin | 3.6444% | 2,980 |
| Noninterest income to average assets | 0.7235% | 1,888 |
| Noninterest expense to average assets | 4.1309% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0231% | 5,499 |
| Return on assets (ROA) | 0.0231% | 5,505 |
| Pretax return on assets | 0.0231% | 5,502 |
| Return on Equity (ROE) | 0.5259% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.5259% | 5,106 |
| Net charge-offs to loans | 1.3025% | 127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.0204% | 3,692 |
| Efficiency ratio | 99.4443% | 186 |
| Assets per employee ($millions) | 2.8259% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 5,135 |
| Loan loss allowance to noncurrent loans | 106.4589% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 651 |
| Noncurrent loans to loans | 0.6588% | 2,725 |
| Net loans and leases to total assets | 86.3690% | 236 |
| Net loans and leases to deposits | 98.8438% | 839 |
| Net loans and leases to core deposits | 102.9320% | 1,470 |
| Total domestic deposits to total assets | 87.3793% | 1,682 |
| Equity capital to assets | 4.7389% | 5,720 |
| Core capital (leverage) ratio | 5.4642% | 5,712 |
| Tier 1 risk-based capital ratio | 8.2905% | 5,712 |
| Total risk-based capital ratio | 9.2371% | 5,713 |
| Memoranda: | ||
| Average total assets | $306,109,750 | 2,150 |
| Average earning assets | $288,144,250 | 2,122 |
| Average equity | $13,435,250 | 3,966 |
| Average total loans | $266,156,250 | 1,740 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 2,895 |
| Cost of funding earning assets | 0.4363% | 2,741 |
| Net interest margin | 3.6428% | 2,864 |
| Noninterest income to average assets | 0.6868% | 2,049 |
| Noninterest expense to average assets | 4.2400% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1198% | 5,590 |
| Return on assets (ROA) | -0.1198% | 5,594 |
| Pretax return on assets | -0.1198% | 5,585 |
| Return on Equity (ROE) | -2.8050% | 5,644 |
| Retained earnings to average equity (ytd only) | -2.8050% | 5,415 |
| Net charge-offs to loans | 1.9415% | 87 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.0710% | 3,414 |
| Efficiency ratio | 102.9080% | 158 |
| Assets per employee ($millions) | 2.8622% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 5,171 |
| Loan loss allowance to noncurrent loans | 130.2947% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 603 |
| Noncurrent loans to loans | 0.5504% | 3,091 |
| Net loans and leases to total assets | 85.9433% | 277 |
| Net loans and leases to deposits | 92.7722% | 1,388 |
| Net loans and leases to core deposits | 98.0794% | 1,798 |
| Total domestic deposits to total assets | 92.6391% | 39 |
| Equity capital to assets | 4.2733% | 5,774 |
| Core capital (leverage) ratio | 5.4187% | 5,756 |
| Tier 1 risk-based capital ratio | 8.1477% | 5,761 |
| Total risk-based capital ratio | 9.1025% | 5,764 |
| Memoranda: | ||
| Average total assets | $305,471,330 | 2,161 |
| Average earning assets | $287,906,670 | 2,124 |
| Average equity | $13,048,000 | 4,027 |
| Average total loans | $265,569,330 | 1,740 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,016 |
| Cost of funding earning assets | 0.4340% | 2,670 |
| Net interest margin | 3.5729% | 2,991 |
| Noninterest income to average assets | 0.6097% | 2,373 |
| Noninterest expense to average assets | 4.3110% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3225% | 5,704 |
| Return on assets (ROA) | -0.3225% | 5,703 |
| Pretax return on assets | -0.3225% | 5,689 |
| Return on Equity (ROE) | -7.5527% | 5,765 |
| Retained earnings to average equity (ytd only) | -7.5527% | 5,507 |
| Net charge-offs to loans | 3.9037% | 33 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.0948% | 2,855 |
| Efficiency ratio | 108.0868% | 144 |
| Assets per employee ($millions) | 2.7847% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 5,268 |
| Loan loss allowance to noncurrent loans | 42.5892% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.0802% | 627 |
| Noncurrent loans to loans | 1.6858% | 1,143 |
| Net loans and leases to total assets | 85.8731% | 228 |
| Net loans and leases to deposits | 90.5681% | 1,470 |
| Net loans and leases to core deposits | 96.1706% | 1,808 |
| Total domestic deposits to total assets | 94.8161% | 9 |
| Equity capital to assets | 4.2605% | 5,838 |
| Core capital (leverage) ratio | 5.4445% | 5,823 |
| Tier 1 risk-based capital ratio | 8.1168% | 5,827 |
| Total risk-based capital ratio | 9.0636% | 5,828 |
| Memoranda: | ||
| Average total assets | $305,081,000 | 2,181 |
| Average earning assets | $288,506,500 | 2,140 |
| Average equity | $13,028,500 | 4,051 |
| Average total loans | $265,802,000 | 1,751 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,114 |
| Cost of funding earning assets | 0.4205% | 2,803 |
| Net interest margin | 3.6035% | 3,058 |
| Noninterest income to average assets | 0.9982% | 1,155 |
| Noninterest expense to average assets | 4.2569% | 462 |
| Loan and lease loss provision to assets | 0.6993% | 174 |
| Net operating income to assets | -0.4755% | 5,783 |
| Return on assets (ROA) | -0.4305% | 5,783 |
| Pretax return on assets | -0.5042% | 5,780 |
| Return on Equity (ROE) | -8.8706% | 5,829 |
| Retained earnings to average equity (ytd only) | -8.8706% | 5,773 |
| Net charge-offs to loans | 0.1378% | 1,873 |
| Credit loss provision to net charge-offs | 583.7912% | 586 |
| Earnings coverage of net charge-offs (x) | 1.1868% | 4,029 |
| Efficiency ratio | 96.7682% | 288 |
| Assets per employee ($millions) | 2.8927% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,224 |
| Loan loss allowance to noncurrent loans | 59.5770% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 3.1814% | 294 |
| Noncurrent loans to loans | 2.7941% | 522 |
| Net loans and leases to total assets | 86.2889% | 219 |
| Net loans and leases to deposits | 93.0174% | 1,297 |
| Net loans and leases to core deposits | 98.4374% | 1,740 |
| Total domestic deposits to total assets | 92.7665% | 51 |
| Equity capital to assets | 4.2804% | 5,887 |
| Core capital (leverage) ratio | 5.4445% | 5,874 |
| Tier 1 risk-based capital ratio | 8.0022% | 5,877 |
| Total risk-based capital ratio | 9.2636% | 5,875 |
| Memoranda: | ||
| Average total assets | $303,858,800 | 2,145 |
| Average earning assets | $286,774,200 | 2,119 |
| Average equity | $14,745,400 | 3,845 |
| Average total loans | $264,140,400 | 1,707 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,110 |
| Cost of funding earning assets | 0.4190% | 2,846 |
| Net interest margin | 3.6104% | 3,029 |
| Noninterest income to average assets | 1.0137% | 1,118 |
| Noninterest expense to average assets | 4.2998% | 445 |
| Loan and lease loss provision to assets | 0.9346% | 111 |
| Net operating income to assets | -0.8141% | 5,891 |
| Return on assets (ROA) | -0.7432% | 5,889 |
| Pretax return on assets | -0.7432% | 5,883 |
| Return on Equity (ROE) | -14.9061% | 5,925 |
| Retained earnings to average equity (ytd only) | -14.9061% | 5,889 |
| Net charge-offs to loans | 0.1831% | 1,279 |
| Credit loss provision to net charge-offs | 588.6427% | 624 |
| Earnings coverage of net charge-offs (x) | 0.7590% | 3,765 |
| Efficiency ratio | 97.2739% | 279 |
| Assets per employee ($millions) | 2.8498% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,281 |
| Loan loss allowance to noncurrent loans | 57.4763% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 3.2123% | 342 |
| Noncurrent loans to loans | 2.9095% | 533 |
| Net loans and leases to total assets | 86.4274% | 222 |
| Net loans and leases to deposits | 91.5861% | 1,552 |
| Net loans and leases to core deposits | 96.7218% | 1,919 |
| Total domestic deposits to total assets | 94.3674% | 18 |
| Equity capital to assets | 4.3496% | 5,960 |
| Core capital (leverage) ratio | 5.3415% | 5,943 |
| Tier 1 risk-based capital ratio | 7.8918% | 5,944 |
| Total risk-based capital ratio | 9.1536% | 5,941 |
| Memoranda: | ||
| Average total assets | $303,167,000 | 2,158 |
| Average earning assets | $286,058,000 | 2,128 |
| Average equity | $15,116,500 | 3,823 |
| Average total loans | $262,909,250 | 1,720 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,061 |
| Cost of funding earning assets | 0.4146% | 2,889 |
| Net interest margin | 3.6363% | 2,949 |
| Noninterest income to average assets | 0.8123% | 1,664 |
| Noninterest expense to average assets | 4.2296% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0093% | 5,762 |
| Return on assets (ROA) | 0.1157% | 5,699 |
| Pretax return on assets | 0.1157% | 5,709 |
| Return on Equity (ROE) | 2.2244% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.2244% | 4,462 |
| Net charge-offs to loans | 0.2236% | 1,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.0479% | 3,557 |
| Efficiency ratio | 99.7817% | 248 |
| Assets per employee ($millions) | 2.8414% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,885 |
| Loan loss allowance to noncurrent loans | 160.0264% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1732% | 1,788 |
| Noncurrent loans to loans | 0.5754% | 3,339 |
| Net loans and leases to total assets | 85.8582% | 261 |
| Net loans and leases to deposits | 93.4929% | 1,340 |
| Net loans and leases to core deposits | 98.1578% | 1,795 |
| Total domestic deposits to total assets | 91.8340% | 98 |
| Equity capital to assets | 5.2535% | 6,026 |
| Core capital (leverage) ratio | 6.0181% | 6,005 |
| Tier 1 risk-based capital ratio | 9.0114% | 6,000 |
| Total risk-based capital ratio | 10.2335% | 5,997 |
| Memoranda: | ||
| Average total assets | $302,581,330 | 2,167 |
| Average earning assets | $285,126,670 | 2,145 |
| Average equity | $15,734,330 | 3,772 |
| Average total loans | $261,205,670 | 1,719 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 2,819 |
| Cost of funding earning assets | 0.4111% | 2,948 |
| Net interest margin | 3.6970% | 2,679 |
| Noninterest income to average assets | 0.7474% | 1,828 |
| Noninterest expense to average assets | 4.2722% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0451% | 5,814 |
| Return on assets (ROA) | 0.1683% | 5,647 |
| Pretax return on assets | 0.1683% | 5,675 |
| Return on Equity (ROE) | 3.2532% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.2532% | 3,868 |
| Net charge-offs to loans | 0.4506% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.1160% | 2,982 |
| Efficiency ratio | 101.0658% | 269 |
| Assets per employee ($millions) | 2.8841% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,910 |
| Loan loss allowance to noncurrent loans | 122.1047% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 1,591 |
| Noncurrent loans to loans | 0.7688% | 2,916 |
| Net loans and leases to total assets | 85.3149% | 272 |
| Net loans and leases to deposits | 90.8827% | 1,474 |
| Net loans and leases to core deposits | 95.5233% | 1,842 |
| Total domestic deposits to total assets | 93.8737% | 22 |
| Equity capital to assets | 5.2492% | 6,085 |
| Core capital (leverage) ratio | 6.0084% | 6,066 |
| Tier 1 risk-based capital ratio | 9.2553% | 6,037 |
| Total risk-based capital ratio | 10.5051% | 6,029 |
| Memoranda: | ||
| Average total assets | $301,858,000 | 2,172 |
| Average earning assets | $284,122,500 | 2,156 |
| Average equity | $15,615,500 | 3,791 |
| Average total loans | $260,079,000 | 1,729 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,531 |
| Cost of funding earning assets | 0.3595% | 3,591 |
| Net interest margin | 3.8488% | 2,204 |
| Noninterest income to average assets | 0.5777% | 2,847 |
| Noninterest expense to average assets | 4.3322% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1739% | 5,957 |
| Return on assets (ROA) | -0.1029% | 5,945 |
| Pretax return on assets | -0.1029% | 5,933 |
| Return on Equity (ROE) | -1.9256% | 5,978 |
| Retained earnings to average equity (ytd only) | -1.9256% | 5,744 |
| Net charge-offs to loans | 0.4209% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.4834% | 4,306 |
| Efficiency ratio | 104.1810% | 210 |
| Assets per employee ($millions) | 2.8930% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,393 |
| Loan loss allowance to noncurrent loans | 108.9816% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 1,117 |
| Noncurrent loans to loans | 0.9525% | 2,431 |
| Net loans and leases to total assets | 85.3001% | 286 |
| Net loans and leases to deposits | 93.2883% | 1,275 |
| Net loans and leases to core deposits | 97.6966% | 1,696 |
| Total domestic deposits to total assets | 91.4371% | 190 |
| Equity capital to assets | 5.0980% | 6,142 |
| Core capital (leverage) ratio | 5.9746% | 6,123 |
| Tier 1 risk-based capital ratio | 9.0653% | 6,100 |
| Total risk-based capital ratio | 10.3172% | 6,090 |
| Memoranda: | ||
| Average total assets | $301,391,400 | 2,141 |
| Average earning assets | $280,400,800 | 2,135 |
| Average equity | $16,099,000 | 3,660 |
| Average total loans | $257,541,200 | 1,684 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,438 |
| Cost of funding earning assets | 0.3533% | 3,720 |
| Net interest margin | 3.8887% | 2,074 |
| Noninterest income to average assets | 0.6095% | 2,692 |
| Noninterest expense to average assets | 4.3598% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1405% | 6,024 |
| Return on assets (ROA) | -0.0457% | 5,996 |
| Pretax return on assets | -0.0457% | 5,994 |
| Return on Equity (ROE) | -0.8461% | 6,020 |
| Retained earnings to average equity (ytd only) | -0.8461% | 5,744 |
| Net charge-offs to loans | 0.6322% | 353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.2607% | 4,012 |
| Efficiency ratio | 103.3302% | 228 |
| Assets per employee ($millions) | 2.8284% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,658 |
| Loan loss allowance to noncurrent loans | 89.6050% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.5015% | 694 |
| Noncurrent loans to loans | 1.1345% | 2,238 |
| Net loans and leases to total assets | 84.7871% | 326 |
| Net loans and leases to deposits | 92.9302% | 1,312 |
| Net loans and leases to core deposits | 97.1192% | 1,775 |
| Total domestic deposits to total assets | 91.2374% | 198 |
| Equity capital to assets | 5.2879% | 6,221 |
| Core capital (leverage) ratio | 6.0327% | 6,200 |
| Tier 1 risk-based capital ratio | 8.6259% | 6,206 |
| Total risk-based capital ratio | 9.8708% | 6,205 |
| Memoranda: | ||
| Average total assets | $300,798,000 | 2,160 |
| Average earning assets | $279,228,250 | 2,155 |
| Average equity | $16,230,500 | 3,672 |
| Average total loans | $256,469,000 | 1,697 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 2,345 |
| Cost of funding earning assets | 0.3524% | 3,778 |
| Net interest margin | 3.9002% | 1,978 |
| Noninterest income to average assets | 0.7833% | 1,850 |
| Noninterest expense to average assets | 4.3904% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0053% | 5,985 |
| Return on assets (ROA) | 0.0748% | 5,948 |
| Pretax return on assets | 0.0748% | 5,954 |
| Return on Equity (ROE) | 1.3775% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.3775% | 4,999 |
| Net charge-offs to loans | 0.9208% | 223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.0068% | 3,710 |
| Efficiency ratio | 99.8795% | 324 |
| Assets per employee ($millions) | 2.8102% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 4,778 |
| Loan loss allowance to noncurrent loans | 90.2447% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.7613% | 645 |
| Noncurrent loans to loans | 1.1279% | 2,394 |
| Net loans and leases to total assets | 84.6686% | 324 |
| Net loans and leases to deposits | 93.3708% | 1,213 |
| Net loans and leases to core deposits | 98.3710% | 1,621 |
| Total domestic deposits to total assets | 90.6800% | 391 |
| Equity capital to assets | 5.4390% | 6,287 |
| Core capital (leverage) ratio | 6.0588% | 6,267 |
| Tier 1 risk-based capital ratio | 8.6382% | 6,273 |
| Total risk-based capital ratio | 9.8851% | 6,273 |
| Memoranda: | ||
| Average total assets | $302,071,000 | 2,173 |
| Average earning assets | $279,782,670 | 2,165 |
| Average equity | $16,406,000 | 3,656 |
| Average total loans | $257,163,330 | 1,700 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 2,383 |
| Cost of funding earning assets | 0.3493% | 3,866 |
| Net interest margin | 3.8707% | 1,993 |
| Noninterest income to average assets | 0.8086% | 1,682 |
| Noninterest expense to average assets | 4.4603% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0793% | 6,082 |
| Return on assets (ROA) | 0.0595% | 5,988 |
| Pretax return on assets | 0.0595% | 5,987 |
| Return on Equity (ROE) | 1.0955% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.0955% | 5,045 |
| Net charge-offs to loans | 1.2554% | 166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.0743% | 3,119 |
| Efficiency ratio | 101.8094% | 321 |
| Assets per employee ($millions) | 2.9077% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 4,139 |
| Loan loss allowance to noncurrent loans | 92.4954% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 3.3932% | 501 |
| Noncurrent loans to loans | 1.2664% | 2,259 |
| Net loans and leases to total assets | 83.5647% | 338 |
| Net loans and leases to deposits | 89.1024% | 1,492 |
| Net loans and leases to core deposits | 93.4444% | 1,817 |
| Total domestic deposits to total assets | 93.7850% | 33 |
| Equity capital to assets | 5.4759% | 6,356 |
| Core capital (leverage) ratio | 5.9710% | 6,330 |
| Tier 1 risk-based capital ratio | 8.5901% | 6,336 |
| Total risk-based capital ratio | 9.8419% | 6,336 |
| Memoranda: | ||
| Average total assets | $302,758,500 | 2,183 |
| Average earning assets | $279,432,000 | 2,180 |
| Average equity | $16,431,500 | 3,671 |
| Average total loans | $257,138,500 | 1,699 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,590 |
| Cost of funding earning assets | 0.3353% | 4,432 |
| Net interest margin | 3.9696% | 1,978 |
| Noninterest income to average assets | -0.0578% | 6,436 |
| Noninterest expense to average assets | 4.5659% | 441 |
| Loan and lease loss provision to assets | 0.5578% | 259 |
| Net operating income to assets | -1.5937% | 6,434 |
| Return on assets (ROA) | -1.5795% | 6,436 |
| Pretax return on assets | -1.5795% | 6,424 |
| Return on Equity (ROE) | -26.2867% | 6,462 |
| Retained earnings to average equity (ytd only) | -26.2867% | 6,453 |
| Net charge-offs to loans | 0.6034% | 660 |
| Credit loss provision to net charge-offs | 110.6583% | 2,157 |
| Earnings coverage of net charge-offs (x) | -2.0552% | 4,838 |
| Efficiency ratio | 129.3465% | 94 |
| Assets per employee ($millions) | 2.8596% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 2,607 |
| Loan loss allowance to noncurrent loans | 55.7723% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 4.3679% | 364 |
| Noncurrent loans to loans | 2.6363% | 935 |
| Net loans and leases to total assets | 84.0535% | 339 |
| Net loans and leases to deposits | 91.6934% | 1,320 |
| Net loans and leases to core deposits | 95.9797% | 1,725 |
| Total domestic deposits to total assets | 91.6680% | 194 |
| Equity capital to assets | 5.3787% | 6,447 |
| Core capital (leverage) ratio | 5.8089% | 6,418 |
| Tier 1 risk-based capital ratio | 8.6270% | 6,424 |
| Total risk-based capital ratio | 9.8839% | 6,426 |
| Memoranda: | ||
| Average total assets | $316,433,200 | 2,056 |
| Average earning assets | $286,000,800 | 2,086 |
| Average equity | $19,013,400 | 3,288 |
| Average total loans | $264,343,600 | 1,604 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,587 |
| Cost of funding earning assets | 0.3293% | 4,573 |
| Net interest margin | 3.9800% | 1,938 |
| Noninterest income to average assets | -0.2727% | 6,564 |
| Noninterest expense to average assets | 4.4624% | 482 |
| Loan and lease loss provision to assets | 0.7355% | 171 |
| Net operating income to assets | -1.8926% | 6,524 |
| Return on assets (ROA) | -1.8738% | 6,523 |
| Pretax return on assets | -1.8738% | 6,514 |
| Return on Equity (ROE) | -30.4298% | 6,539 |
| Retained earnings to average equity (ytd only) | -30.4298% | 6,531 |
| Net charge-offs to loans | 0.7154% | 484 |
| Credit loss provision to net charge-offs | 123.7027% | 1,865 |
| Earnings coverage of net charge-offs (x) | -1.9460% | 4,567 |
| Efficiency ratio | 135.0069% | 83 |
| Assets per employee ($millions) | 2.9687% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 2,653 |
| Loan loss allowance to noncurrent loans | 52.8973% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 6.7348% | 183 |
| Noncurrent loans to loans | 2.8555% | 954 |
| Net loans and leases to total assets | 82.2821% | 486 |
| Net loans and leases to deposits | 90.7815% | 1,353 |
| Net loans and leases to core deposits | 95.4520% | 1,722 |
| Total domestic deposits to total assets | 90.6375% | 477 |
| Equity capital to assets | 5.3140% | 6,513 |
| Core capital (leverage) ratio | 5.8555% | 6,490 |
| Tier 1 risk-based capital ratio | 8.5877% | 6,497 |
| Total risk-based capital ratio | 9.8452% | 6,501 |
| Memoranda: | ||
| Average total assets | $319,761,500 | 2,046 |
| Average earning assets | $287,463,500 | 2,097 |
| Average equity | $19,690,750 | 3,201 |
| Average total loans | $265,783,250 | 1,605 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,524 |
| Cost of funding earning assets | 0.3196% | 4,764 |
| Net interest margin | 3.9989% | 1,803 |
| Noninterest income to average assets | 0.0342% | 6,481 |
| Noninterest expense to average assets | 4.4902% | 458 |
| Loan and lease loss provision to assets | 1.0048% | 102 |
| Net operating income to assets | -1.8721% | 6,590 |
| Return on assets (ROA) | -1.8441% | 6,586 |
| Pretax return on assets | -1.8441% | 6,578 |
| Return on Equity (ROE) | -28.6649% | 6,606 |
| Retained earnings to average equity (ytd only) | -28.6649% | 6,583 |
| Net charge-offs to loans | 0.6643% | 581 |
| Credit loss provision to net charge-offs | 182.2799% | 1,259 |
| Earnings coverage of net charge-offs (x) | -1.5734% | 4,232 |
| Efficiency ratio | 123.9396% | 123 |
| Assets per employee ($millions) | 2.9364% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 2,326 |
| Loan loss allowance to noncurrent loans | 48.8521% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 7.7511% | 147 |
| Noncurrent loans to loans | 3.3542% | 822 |
| Net loans and leases to total assets | 81.8074% | 480 |
| Net loans and leases to deposits | 90.0884% | 1,364 |
| Net loans and leases to core deposits | 94.0538% | 1,772 |
| Total domestic deposits to total assets | 90.8079% | 470 |
| Equity capital to assets | 5.9290% | 6,536 |
| Core capital (leverage) ratio | 6.2978% | 6,507 |
| Tier 1 risk-based capital ratio | 9.1590% | 6,524 |
| Total risk-based capital ratio | 10.4180% | 6,514 |
| Memoranda: | ||
| Average total assets | $321,455,000 | 2,031 |
| Average earning assets | $288,476,670 | 2,085 |
| Average equity | $20,680,330 | 3,099 |
| Average total loans | $266,745,330 | 1,598 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,191 |
| Cost of funding earning assets | 0.3212% | 4,845 |
| Net interest margin | 4.0649% | 1,559 |
| Noninterest income to average assets | 0.4346% | 3,910 |
| Noninterest expense to average assets | 4.4812% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4011% | 6,434 |
| Return on assets (ROA) | -0.4011% | 6,435 |
| Pretax return on assets | -0.4011% | 6,428 |
| Return on Equity (ROE) | -6.0004% | 6,493 |
| Retained earnings to average equity (ytd only) | -6.0004% | 6,184 |
| Net charge-offs to loans | 0.3371% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.4356% | 3,521 |
| Efficiency ratio | 109.8296% | 272 |
| Assets per employee ($millions) | 2.9951% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 4,212 |
| Loan loss allowance to noncurrent loans | 38.9219% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 7.8606% | 173 |
| Noncurrent loans to loans | 3.2960% | 927 |
| Net loans and leases to total assets | 81.8315% | 368 |
| Net loans and leases to deposits | 89.0310% | 1,253 |
| Net loans and leases to core deposits | 92.5821% | 1,676 |
| Total domestic deposits to total assets | 91.9135% | 268 |
| Equity capital to assets | 6.6992% | 6,501 |
| Core capital (leverage) ratio | 7.0469% | 6,458 |
| Tier 1 risk-based capital ratio | 10.1711% | 6,433 |
| Total risk-based capital ratio | 11.4244% | 6,397 |
| Memoranda: | ||
| Average total assets | $322,147,500 | 2,030 |
| Average earning assets | $288,913,000 | 2,086 |
| Average equity | $21,532,000 | 2,992 |
| Average total loans | $267,016,500 | 1,597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 2,724 |
| Cost of funding earning assets | 0.3670% | 4,988 |
| Net interest margin | 3.9947% | 1,962 |
| Noninterest income to average assets | 0.6252% | 2,945 |
| Noninterest expense to average assets | 4.3821% | 583 |
| Loan and lease loss provision to assets | 1.0900% | 156 |
| Net operating income to assets | -1.2468% | 6,646 |
| Return on assets (ROA) | -1.1704% | 6,634 |
| Pretax return on assets | -1.1704% | 6,629 |
| Return on Equity (ROE) | -16.8982% | 6,666 |
| Retained earnings to average equity (ytd only) | -16.8982% | 6,644 |
| Net charge-offs to loans | 1.7590% | 239 |
| Credit loss provision to net charge-offs | 75.3846% | 3,159 |
| Earnings coverage of net charge-offs (x) | -0.1085% | 5,119 |
| Efficiency ratio | 103.7129% | 376 |
| Assets per employee ($millions) | 2.9984% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 3,873 |
| Loan loss allowance to noncurrent loans | 42.3723% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 7.8315% | 197 |
| Noncurrent loans to loans | 3.1948% | 1,055 |
| Net loans and leases to total assets | 81.7560% | 430 |
| Net loans and leases to deposits | 90.8808% | 1,167 |
| Net loans and leases to core deposits | 94.4597% | 1,565 |
| Total domestic deposits to total assets | 89.9596% | 1,096 |
| Equity capital to assets | 6.6688% | 6,537 |
| Core capital (leverage) ratio | 7.0411% | 6,518 |
| Tier 1 risk-based capital ratio | 10.1792% | 6,462 |
| Total risk-based capital ratio | 11.4337% | 6,420 |
| Memoranda: | ||
| Average total assets | $341,666,000 | 1,887 |
| Average earning assets | $307,906,400 | 1,923 |
| Average equity | $23,665,200 | 2,755 |
| Average total loans | $280,849,200 | 1,505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,695 |
| Cost of funding earning assets | 0.3795% | 5,003 |
| Net interest margin | 3.9893% | 1,984 |
| Noninterest income to average assets | 0.5250% | 3,631 |
| Noninterest expense to average assets | 4.3085% | 627 |
| Loan and lease loss provision to assets | 1.3182% | 102 |
| Net operating income to assets | -1.5019% | 6,762 |
| Return on assets (ROA) | -1.4014% | 6,749 |
| Pretax return on assets | -1.4014% | 6,744 |
| Return on Equity (ROE) | -20.0579% | 6,772 |
| Retained earnings to average equity (ytd only) | -20.0579% | 6,757 |
| Net charge-offs to loans | 1.9697% | 197 |
| Credit loss provision to net charge-offs | 81.5733% | 2,808 |
| Earnings coverage of net charge-offs (x) | -0.1137% | 4,889 |
| Efficiency ratio | 104.4546% | 358 |
| Assets per employee ($millions) | 2.9503% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,316 |
| Loan loss allowance to noncurrent loans | 36.3929% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 8.3430% | 211 |
| Noncurrent loans to loans | 4.2153% | 816 |
| Net loans and leases to total assets | 79.1754% | 631 |
| Net loans and leases to deposits | 85.2691% | 1,710 |
| Net loans and leases to core deposits | 88.7242% | 2,112 |
| Total domestic deposits to total assets | 92.8536% | 134 |
| Equity capital to assets | 6.6413% | 6,621 |
| Core capital (leverage) ratio | 6.9303% | 6,600 |
| Tier 1 risk-based capital ratio | 10.3275% | 6,501 |
| Total risk-based capital ratio | 11.5841% | 6,467 |
| Memoranda: | ||
| Average total assets | $346,127,000 | 1,877 |
| Average earning assets | $312,327,000 | 1,912 |
| Average equity | $24,182,750 | 2,741 |
| Average total loans | $283,967,250 | 1,495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,486 |
| Cost of funding earning assets | 0.3930% | 5,003 |
| Net interest margin | 4.0279% | 1,766 |
| Noninterest income to average assets | 0.8231% | 2,099 |
| Noninterest expense to average assets | 4.3460% | 598 |
| Loan and lease loss provision to assets | 0.5322% | 501 |
| Net operating income to assets | -0.4207% | 6,610 |
| Return on assets (ROA) | -0.2721% | 6,562 |
| Pretax return on assets | -0.2721% | 6,536 |
| Return on Equity (ROE) | -3.8349% | 6,610 |
| Retained earnings to average equity (ytd only) | -3.8349% | 6,378 |
| Net charge-offs to loans | 2.1872% | 186 |
| Credit loss provision to net charge-offs | 29.4767% | 3,597 |
| Earnings coverage of net charge-offs (x) | 0.0618% | 4,526 |
| Efficiency ratio | 97.4971% | 592 |
| Assets per employee ($millions) | 3.0668% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 5,976 |
| Loan loss allowance to noncurrent loans | 27.5440% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 8.6162% | 213 |
| Noncurrent loans to loans | 3.4655% | 1,232 |
| Net loans and leases to total assets | 78.9074% | 647 |
| Net loans and leases to deposits | 85.7126% | 1,601 |
| Net loans and leases to core deposits | 89.5224% | 1,953 |
| Total domestic deposits to total assets | 92.0604% | 242 |
| Equity capital to assets | 7.0843% | 6,585 |
| Core capital (leverage) ratio | 7.6836% | 6,374 |
| Tier 1 risk-based capital ratio | 11.2865% | 6,212 |
| Total risk-based capital ratio | 12.3973% | 6,244 |
| Memoranda: | ||
| Average total assets | $351,358,670 | 1,856 |
| Average earning assets | $317,038,000 | 1,892 |
| Average equity | $24,928,670 | 2,669 |
| Average total loans | $290,057,330 | 1,454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,462 |
| Cost of funding earning assets | 0.4044% | 5,063 |
| Net interest margin | 4.0129% | 1,737 |
| Noninterest income to average assets | 0.8995% | 1,759 |
| Noninterest expense to average assets | 4.4301% | 570 |
| Loan and lease loss provision to assets | 0.0743% | 3,387 |
| Net operating income to assets | 0.0349% | 6,287 |
| Return on assets (ROA) | 0.2060% | 5,982 |
| Pretax return on assets | 0.2173% | 6,043 |
| Return on Equity (ROE) | 2.9017% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.9017% | 4,544 |
| Net charge-offs to loans | 2.8337% | 133 |
| Credit loss provision to net charge-offs | 3.1235% | 3,212 |
| Earnings coverage of net charge-offs (x) | 0.0469% | 3,808 |
| Efficiency ratio | 97.5459% | 656 |
| Assets per employee ($millions) | 3.1330% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,077 |
| Loan loss allowance to noncurrent loans | 19.4962% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 8.9900% | 248 |
| Noncurrent loans to loans | 4.9779% | 769 |
| Net loans and leases to total assets | 82.2152% | 271 |
| Net loans and leases to deposits | 89.4270% | 1,012 |
| Net loans and leases to core deposits | 93.4946% | 1,378 |
| Total domestic deposits to total assets | 91.9356% | 259 |
| Equity capital to assets | 7.2742% | 6,653 |
| Core capital (leverage) ratio | 7.5935% | 6,426 |
| Tier 1 risk-based capital ratio | 11.1400% | 6,345 |
| Total risk-based capital ratio | 12.2874% | 6,364 |
| Memoranda: | ||
| Average total assets | $355,298,000 | 1,864 |
| Average earning assets | $322,458,000 | 1,876 |
| Average equity | $25,226,500 | 2,684 |
| Average total loans | $298,264,500 | 1,419 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 3,928 |
| Cost of funding earning assets | 0.5973% | 4,384 |
| Net interest margin | 3.7774% | 3,330 |
| Noninterest income to average assets | 1.2915% | 925 |
| Noninterest expense to average assets | 3.8376% | 1,193 |
| Loan and lease loss provision to assets | 0.4092% | 1,581 |
| Net operating income to assets | 0.4363% | 4,939 |
| Return on assets (ROA) | 0.6381% | 4,311 |
| Pretax return on assets | 0.6811% | 4,730 |
| Return on Equity (ROE) | 10.7470% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.7470% | 469 |
| Net charge-offs to loans | 0.7034% | 1,681 |
| Credit loss provision to net charge-offs | 69.6649% | 4,180 |
| Earnings coverage of net charge-offs (x) | 1.4907% | 4,697 |
| Efficiency ratio | 81.4221% | 1,957 |
| Assets per employee ($millions) | 3.2985% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,420 |
| Loan loss allowance to noncurrent loans | 27.1394% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 8.8377% | 284 |
| Noncurrent loans to loans | 5.8045% | 623 |
| Net loans and leases to total assets | 83.4995% | 248 |
| Net loans and leases to deposits | 90.5819% | 1,018 |
| Net loans and leases to core deposits | 94.9781% | 1,389 |
| Total domestic deposits to total assets | 92.1812% | 214 |
| Equity capital to assets | 6.9332% | 6,784 |
| Core capital (leverage) ratio | 7.3304% | 6,572 |
| Tier 1 risk-based capital ratio | 10.5892% | 6,519 |
| Total risk-based capital ratio | 11.8472% | 6,487 |
| Memoranda: | ||
| Average total assets | $386,130,400 | 1,693 |
| Average earning assets | $349,768,000 | 1,707 |
| Average equity | $22,927,400 | 2,857 |
| Average total loans | $322,436,400 | 1,308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 4,198 |
| Cost of funding earning assets | 0.6488% | 4,209 |
| Net interest margin | 3.7129% | 3,736 |
| Noninterest income to average assets | 1.3375% | 827 |
| Noninterest expense to average assets | 3.8534% | 1,124 |
| Loan and lease loss provision to assets | 0.4966% | 1,237 |
| Net operating income to assets | 0.3194% | 5,547 |
| Return on assets (ROA) | 0.5817% | 4,746 |
| Pretax return on assets | 0.6273% | 5,086 |
| Return on Equity (ROE) | 10.1918% | 2,256 |
| Retained earnings to average equity (ytd only) | 10.1918% | 869 |
| Net charge-offs to loans | 0.6984% | 1,579 |
| Credit loss provision to net charge-offs | 85.4801% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.4491% | 4,564 |
| Efficiency ratio | 82.0691% | 1,803 |
| Assets per employee ($millions) | 3.5425% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,293 |
| Loan loss allowance to noncurrent loans | 28.4676% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 8.9140% | 307 |
| Noncurrent loans to loans | 5.8293% | 712 |
| Net loans and leases to total assets | 83.4695% | 253 |
| Net loans and leases to deposits | 92.4425% | 926 |
| Net loans and leases to core deposits | 96.2776% | 1,394 |
| Total domestic deposits to total assets | 90.2935% | 682 |
| Equity capital to assets | 6.1667% | 6,975 |
| Core capital (leverage) ratio | 7.0013% | 6,792 |
| Tier 1 risk-based capital ratio | 9.9317% | 6,814 |
| Total risk-based capital ratio | 11.1908% | 6,793 |
| Memoranda: | ||
| Average total assets | $391,955,000 | 1,693 |
| Average earning assets | $354,468,250 | 1,702 |
| Average equity | $22,370,250 | 2,961 |
| Average total loans | $326,092,500 | 1,305 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 4,266 |
| Cost of funding earning assets | 0.7091% | 3,943 |
| Net interest margin | 3.6694% | 3,958 |
| Noninterest income to average assets | 1.4065% | 725 |
| Noninterest expense to average assets | 3.9146% | 1,054 |
| Loan and lease loss provision to assets | 0.5203% | 1,207 |
| Net operating income to assets | 0.2756% | 5,690 |
| Return on assets (ROA) | 0.6572% | 4,336 |
| Pretax return on assets | 0.6814% | 4,885 |
| Return on Equity (ROE) | 11.8146% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.8146% | 614 |
| Net charge-offs to loans | 0.6751% | 1,638 |
| Credit loss provision to net charge-offs | 93.2372% | 2,949 |
| Earnings coverage of net charge-offs (x) | 1.4409% | 4,277 |
| Efficiency ratio | 82.9583% | 1,751 |
| Assets per employee ($millions) | 3.5521% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 3,198 |
| Loan loss allowance to noncurrent loans | 28.8004% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 9.0789% | 334 |
| Noncurrent loans to loans | 5.9283% | 750 |
| Net loans and leases to total assets | 81.9663% | 340 |
| Net loans and leases to deposits | 91.5055% | 1,000 |
| Net loans and leases to core deposits | 95.9833% | 1,430 |
| Total domestic deposits to total assets | 89.5753% | 1,179 |
| Equity capital to assets | 5.9180% | 7,034 |
| Core capital (leverage) ratio | 6.5015% | 6,930 |
| Tier 1 risk-based capital ratio | 9.6278% | 6,902 |
| Total risk-based capital ratio | 10.8875% | 6,893 |
| Memoranda: | ||
| Average total assets | $397,440,000 | 1,667 |
| Average earning assets | $358,754,330 | 1,685 |
| Average equity | $22,108,330 | 2,973 |
| Average total loans | $328,551,000 | 1,294 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 4,361 |
| Cost of funding earning assets | 0.7269% | 4,051 |
| Net interest margin | 3.6643% | 3,987 |
| Noninterest income to average assets | 0.8913% | 1,784 |
| Noninterest expense to average assets | 3.8146% | 1,195 |
| Loan and lease loss provision to assets | 0.1237% | 3,798 |
| Net operating income to assets | 0.2641% | 5,769 |
| Return on assets (ROA) | 0.4788% | 5,111 |
| Pretax return on assets | 0.4788% | 5,494 |
| Return on Equity (ROE) | 8.8763% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.8763% | 1,630 |
| Net charge-offs to loans | 1.0346% | 1,003 |
| Credit loss provision to net charge-offs | 14.5180% | 3,845 |
| Earnings coverage of net charge-offs (x) | 0.4553% | 4,118 |
| Efficiency ratio | 90.7721% | 1,035 |
| Assets per employee ($millions) | 3.5252% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 4,289 |
| Loan loss allowance to noncurrent loans | 25.0640% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 9.0203% | 388 |
| Noncurrent loans to loans | 5.8691% | 865 |
| Net loans and leases to total assets | 80.0180% | 401 |
| Net loans and leases to deposits | 85.5360% | 1,472 |
| Net loans and leases to core deposits | 89.1650% | 1,934 |
| Total domestic deposits to total assets | 93.5489% | 111 |
| Equity capital to assets | 5.4769% | 7,110 |
| Core capital (leverage) ratio | 6.2557% | 7,003 |
| Tier 1 risk-based capital ratio | 8.9163% | 7,039 |
| Total risk-based capital ratio | 10.1719% | 7,040 |
| Memoranda: | ||
| Average total assets | $404,346,500 | 1,638 |
| Average earning assets | $365,366,500 | 1,661 |
| Average equity | $21,811,000 | 2,996 |
| Average total loans | $332,873,000 | 1,276 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 4,669 |
| Cost of funding earning assets | 0.8409% | 4,538 |
| Net interest margin | 3.7627% | 4,018 |
| Noninterest income to average assets | 0.2103% | 6,011 |
| Noninterest expense to average assets | 4.2545% | 755 |
| Loan and lease loss provision to assets | 1.5642% | 462 |
| Net operating income to assets | -3.8840% | 7,248 |
| Return on assets (ROA) | -3.7013% | 7,243 |
| Pretax return on assets | -2.0468% | 7,036 |
| Return on Equity (ROE) | -54.2813% | 7,216 |
| Retained earnings to average equity (ytd only) | -54.2813% | 7,215 |
| Net charge-offs to loans | 1.6634% | 934 |
| Credit loss provision to net charge-offs | 113.9765% | 2,869 |
| Earnings coverage of net charge-offs (x) | -0.4847% | 6,077 |
| Efficiency ratio | 118.5349% | 317 |
| Assets per employee ($millions) | 3.4771% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 3,459 |
| Loan loss allowance to noncurrent loans | 21.6687% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 9.7650% | 350 |
| Noncurrent loans to loans | 7.5294% | 556 |
| Net loans and leases to total assets | 82.0602% | 337 |
| Net loans and leases to deposits | 92.1583% | 956 |
| Net loans and leases to core deposits | 95.8146% | 1,509 |
| Total domestic deposits to total assets | 89.0426% | 1,512 |
| Equity capital to assets | 5.3124% | 7,150 |
| Core capital (leverage) ratio | 6.0171% | 7,056 |
| Tier 1 risk-based capital ratio | 8.5249% | 7,082 |
| Total risk-based capital ratio | 9.7833% | 7,082 |
| Memoranda: | ||
| Average total assets | $427,502,600 | 1,525 |
| Average earning assets | $383,895,000 | 1,544 |
| Average equity | $29,150,000 | 2,260 |
| Average total loans | $352,706,200 | 1,202 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 4,698 |
| Cost of funding earning assets | 0.8798% | 4,556 |
| Net interest margin | 3.7618% | 4,050 |
| Noninterest income to average assets | -0.1870% | 7,260 |
| Noninterest expense to average assets | 4.3709% | 658 |
| Loan and lease loss provision to assets | 1.8992% | 301 |
| Net operating income to assets | -5.2660% | 7,384 |
| Return on assets (ROA) | -5.1659% | 7,383 |
| Pretax return on assets | -2.9863% | 7,269 |
| Return on Equity (ROE) | -72.0213% | 7,349 |
| Retained earnings to average equity (ytd only) | -72.0213% | 7,347 |
| Net charge-offs to loans | 2.0668% | 600 |
| Credit loss provision to net charge-offs | 111.6688% | 2,938 |
| Earnings coverage of net charge-offs (x) | -0.6981% | 5,879 |
| Efficiency ratio | 137.2955% | 193 |
| Assets per employee ($millions) | 3.4256% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,934 |
| Loan loss allowance to noncurrent loans | 18.3917% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 9.5975% | 388 |
| Noncurrent loans to loans | 8.3491% | 512 |
| Net loans and leases to total assets | 82.9372% | 295 |
| Net loans and leases to deposits | 90.2487% | 1,185 |
| Net loans and leases to core deposits | 93.8536% | 1,805 |
| Total domestic deposits to total assets | 91.8985% | 221 |
| Equity capital to assets | 5.0286% | 7,262 |
| Core capital (leverage) ratio | 5.6508% | 7,167 |
| Tier 1 risk-based capital ratio | 8.0492% | 7,191 |
| Total risk-based capital ratio | 9.3063% | 7,194 |
| Memoranda: | ||
| Average total assets | $432,672,750 | 1,518 |
| Average earning assets | $387,673,750 | 1,536 |
| Average equity | $31,034,500 | 2,136 |
| Average total loans | $356,038,750 | 1,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 4,760 |
| Cost of funding earning assets | 0.9253% | 4,486 |
| Net interest margin | 3.7243% | 4,157 |
| Noninterest income to average assets | -0.0433% | 7,251 |
| Noninterest expense to average assets | 4.4109% | 660 |
| Loan and lease loss provision to assets | 1.1387% | 700 |
| Net operating income to assets | -2.2560% | 7,233 |
| Return on assets (ROA) | -2.2515% | 7,238 |
| Pretax return on assets | -2.2729% | 7,214 |
| Return on Equity (ROE) | -28.6887% | 7,229 |
| Retained earnings to average equity (ytd only) | -28.6887% | 7,221 |
| Net charge-offs to loans | 1.2926% | 1,194 |
| Credit loss provision to net charge-offs | 107.8584% | 2,851 |
| Earnings coverage of net charge-offs (x) | -1.0786% | 5,646 |
| Efficiency ratio | 134.8008% | 226 |
| Assets per employee ($millions) | 3.4197% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,629 |
| Loan loss allowance to noncurrent loans | 30.8230% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 6.7440% | 777 |
| Noncurrent loans to loans | 4.5058% | 1,471 |
| Net loans and leases to total assets | 82.0316% | 368 |
| Net loans and leases to deposits | 91.1469% | 1,141 |
| Net loans and leases to core deposits | 94.6641% | 1,827 |
| Total domestic deposits to total assets | 89.9992% | 979 |
| Equity capital to assets | 7.6687% | 6,869 |
| Core capital (leverage) ratio | 7.9272% | 6,383 |
| Tier 1 risk-based capital ratio | 11.3107% | 6,313 |
| Total risk-based capital ratio | 12.5655% | 6,301 |
| Memoranda: | ||
| Average total assets | $438,733,000 | 1,512 |
| Average earning assets | $390,570,330 | 1,544 |
| Average equity | $34,431,670 | 1,936 |
| Average total loans | $358,342,000 | 1,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 5,295 |
| Cost of funding earning assets | 0.9989% | 4,213 |
| Net interest margin | 3.5144% | 4,943 |
| Noninterest income to average assets | -0.4466% | 7,489 |
| Noninterest expense to average assets | 4.0656% | 962 |
| Loan and lease loss provision to assets | 1.2769% | 542 |
| Net operating income to assets | -2.6300% | 7,357 |
| Return on assets (ROA) | -2.6300% | 7,358 |
| Pretax return on assets | -2.6722% | 7,348 |
| Return on Equity (ROE) | -33.1520% | 7,345 |
| Retained earnings to average equity (ytd only) | -33.1520% | 7,321 |
| Net charge-offs to loans | 0.3256% | 2,754 |
| Credit loss provision to net charge-offs | 484.3537% | 736 |
| Earnings coverage of net charge-offs (x) | -5.2925% | 5,027 |
| Efficiency ratio | 152.2498% | 147 |
| Assets per employee ($millions) | 3.4183% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 3,547 |
| Loan loss allowance to noncurrent loans | 34.1530% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 7.5600% | 661 |
| Noncurrent loans to loans | 4.8178% | 1,411 |
| Net loans and leases to total assets | 80.5064% | 469 |
| Net loans and leases to deposits | 88.1154% | 1,453 |
| Net loans and leases to core deposits | 91.2230% | 2,208 |
| Total domestic deposits to total assets | 91.3647% | 458 |
| Equity capital to assets | 7.8417% | 6,639 |
| Core capital (leverage) ratio | 8.0345% | 6,211 |
| Tier 1 risk-based capital ratio | 11.6465% | 5,985 |
| Total risk-based capital ratio | 12.9048% | 5,964 |
| Memoranda: | ||
| Average total assets | $446,080,500 | 1,502 |
| Average earning assets | $395,631,500 | 1,538 |
| Average equity | $35,388,500 | 1,879 |
| Average total loans | $361,141,000 | 1,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 5,220 |
| Cost of funding earning assets | 1.3373% | 3,652 |
| Net interest margin | 3.5158% | 5,185 |
| Noninterest income to average assets | 0.1968% | 6,366 |
| Noninterest expense to average assets | 3.6720% | 1,770 |
| Loan and lease loss provision to assets | 0.8909% | 1,833 |
| Net operating income to assets | -0.7688% | 6,563 |
| Return on assets (ROA) | -0.6949% | 6,550 |
| Pretax return on assets | -1.0838% | 6,682 |
| Return on Equity (ROE) | -8.3808% | 6,644 |
| Retained earnings to average equity (ytd only) | -8.3808% | 6,558 |
| Net charge-offs to loans | 1.4209% | 1,563 |
| Credit loss provision to net charge-offs | 75.5247% | 5,712 |
| Earnings coverage of net charge-offs (x) | -0.2613% | 6,332 |
| Efficiency ratio | 109.1635% | 553 |
| Assets per employee ($millions) | 3.6352% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 5,076 |
| Loan loss allowance to noncurrent loans | 26.5343% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 7.9263% | 630 |
| Noncurrent loans to loans | 4.8447% | 1,421 |
| Net loans and leases to total assets | 79.0810% | 786 |
| Net loans and leases to deposits | 86.7158% | 1,975 |
| Net loans and leases to core deposits | 89.7817% | 2,800 |
| Total domestic deposits to total assets | 91.1956% | 507 |
| Equity capital to assets | 8.0199% | 6,479 |
| Core capital (leverage) ratio | 8.0223% | 6,166 |
| Tier 1 risk-based capital ratio | 11.9773% | 5,496 |
| Total risk-based capital ratio | 13.2303% | 5,476 |
| Memoranda: | ||
| Average total assets | $476,581,200 | 1,408 |
| Average earning assets | $429,296,200 | 1,410 |
| Average equity | $39,519,000 | 1,673 |
| Average total loans | $395,675,200 | 1,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 5,332 |
| Cost of funding earning assets | 1.3749% | 3,746 |
| Net interest margin | 3.5095% | 5,257 |
| Noninterest income to average assets | 0.0158% | 7,398 |
| Noninterest expense to average assets | 3.6443% | 1,687 |
| Loan and lease loss provision to assets | 0.9877% | 1,511 |
| Net operating income to assets | -0.9268% | 6,861 |
| Return on assets (ROA) | -0.8293% | 6,844 |
| Pretax return on assets | -1.2892% | 6,974 |
| Return on Equity (ROE) | -9.9230% | 6,926 |
| Retained earnings to average equity (ytd only) | -9.9230% | 6,876 |
| Net charge-offs to loans | 1.7594% | 1,108 |
| Credit loss provision to net charge-offs | 67.0617% | 5,508 |
| Earnings coverage of net charge-offs (x) | -0.3081% | 6,252 |
| Efficiency ratio | 114.2249% | 464 |
| Assets per employee ($millions) | 3.6583% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,942 |
| Loan loss allowance to noncurrent loans | 19.5480% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 7.6339% | 680 |
| Noncurrent loans to loans | 5.6274% | 1,165 |
| Net loans and leases to total assets | 82.0834% | 484 |
| Net loans and leases to deposits | 91.3364% | 1,531 |
| Net loans and leases to core deposits | 95.1792% | 2,360 |
| Total domestic deposits to total assets | 89.8693% | 944 |
| Equity capital to assets | 7.9674% | 6,823 |
| Core capital (leverage) ratio | 8.0229% | 6,317 |
| Tier 1 risk-based capital ratio | 11.4709% | 5,963 |
| Total risk-based capital ratio | 12.7218% | 5,946 |
| Memoranda: | ||
| Average total assets | $481,218,000 | 1,412 |
| Average earning assets | $435,303,000 | 1,418 |
| Average equity | $40,215,250 | 1,656 |
| Average total loans | $402,860,250 | 1,131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 5,005 |
| Cost of funding earning assets | 1.4259% | 3,708 |
| Net interest margin | 3.5598% | 5,001 |
| Noninterest income to average assets | 0.7853% | 2,208 |
| Noninterest expense to average assets | 3.6187% | 1,734 |
| Loan and lease loss provision to assets | 0.2405% | 4,507 |
| Net operating income to assets | 0.1089% | 5,844 |
| Return on assets (ROA) | 0.2169% | 5,633 |
| Pretax return on assets | 0.2906% | 5,525 |
| Return on Equity (ROE) | 2.5567% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.5567% | 4,520 |
| Net charge-offs to loans | 1.4463% | 1,319 |
| Credit loss provision to net charge-offs | 19.8091% | 5,856 |
| Earnings coverage of net charge-offs (x) | 0.3188% | 5,409 |
| Efficiency ratio | 90.3369% | 1,309 |
| Assets per employee ($millions) | 3.0215% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,569 |
| Loan loss allowance to noncurrent loans | 26.9272% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 6.8601% | 781 |
| Noncurrent loans to loans | 3.5564% | 2,219 |
| Net loans and leases to total assets | 82.0856% | 524 |
| Net loans and leases to deposits | 93.0370% | 1,387 |
| Net loans and leases to core deposits | 96.6186% | 2,375 |
| Total domestic deposits to total assets | 88.2290% | 1,866 |
| Equity capital to assets | 8.7234% | 5,852 |
| Core capital (leverage) ratio | 8.5941% | 5,244 |
| Tier 1 risk-based capital ratio | 12.2667% | 5,065 |
| Total risk-based capital ratio | 13.3884% | 5,161 |
| Memoranda: | ||
| Average total assets | $483,099,000 | 1,420 |
| Average earning assets | $437,044,330 | 1,419 |
| Average equity | $40,990,000 | 1,612 |
| Average total loans | $405,577,000 | 1,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 5,219 |
| Cost of funding earning assets | 1.4663% | 3,766 |
| Net interest margin | 3.4878% | 5,213 |
| Noninterest income to average assets | 0.4655% | 4,335 |
| Noninterest expense to average assets | 3.3057% | 2,514 |
| Loan and lease loss provision to assets | 0.2012% | 4,487 |
| Net operating income to assets | 0.0966% | 6,031 |
| Return on assets (ROA) | 0.1808% | 5,880 |
| Pretax return on assets | 0.2511% | 5,743 |
| Return on Equity (ROE) | 2.1600% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.1600% | 4,838 |
| Net charge-offs to loans | 0.4610% | 2,664 |
| Credit loss provision to net charge-offs | 51.6807% | 4,455 |
| Earnings coverage of net charge-offs (x) | 0.8613% | 4,274 |
| Efficiency ratio | 90.7886% | 1,370 |
| Assets per employee ($millions) | 3.5223% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,253 |
| Loan loss allowance to noncurrent loans | 27.0359% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 7.2440% | 729 |
| Noncurrent loans to loans | 5.2952% | 1,336 |
| Net loans and leases to total assets | 83.0486% | 470 |
| Net loans and leases to deposits | 96.1520% | 1,086 |
| Net loans and leases to core deposits | 99.9131% | 2,140 |
| Total domestic deposits to total assets | 86.3722% | 2,948 |
| Equity capital to assets | 8.4401% | 6,087 |
| Core capital (leverage) ratio | 8.4337% | 5,492 |
| Tier 1 risk-based capital ratio | 11.5605% | 5,615 |
| Total risk-based capital ratio | 12.8158% | 5,588 |
| Memoranda: | ||
| Average total assets | $488,972,500 | 1,433 |
| Average earning assets | $445,213,000 | 1,427 |
| Average equity | $40,926,000 | 1,632 |
| Average total loans | $413,039,000 | 1,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 5,479 |
| Cost of funding earning assets | 2.1890% | 2,081 |
| Net interest margin | 3.0475% | 6,524 |
| Noninterest income to average assets | 0.4161% | 5,077 |
| Noninterest expense to average assets | 3.2420% | 3,223 |
| Loan and lease loss provision to assets | 1.7591% | 1,298 |
| Net operating income to assets | -0.9720% | 6,556 |
| Return on assets (ROA) | -0.9371% | 6,533 |
| Pretax return on assets | -1.7080% | 6,824 |
| Return on Equity (ROE) | -11.0940% | 6,703 |
| Retained earnings to average equity (ytd only) | -11.0940% | 6,605 |
| Net charge-offs to loans | 1.9456% | 1,275 |
| Credit loss provision to net charge-offs | 105.2973% | 5,259 |
| Earnings coverage of net charge-offs (x) | -0.0021% | 6,197 |
| Efficiency ratio | 100.1076% | 1,098 |
| Assets per employee ($millions) | 3.5387% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 3,915 |
| Loan loss allowance to noncurrent loans | 25.3706% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 6.6324% | 811 |
| Noncurrent loans to loans | 5.7656% | 1,103 |
| Net loans and leases to total assets | 83.4455% | 498 |
| Net loans and leases to deposits | 97.8102% | 1,124 |
| Net loans and leases to core deposits | 122.2442% | 1,760 |
| Total domestic deposits to total assets | 85.3137% | 3,405 |
| Equity capital to assets | 8.3003% | 6,195 |
| Core capital (leverage) ratio | 8.2437% | 5,738 |
| Tier 1 risk-based capital ratio | 11.4433% | 5,460 |
| Total risk-based capital ratio | 12.6994% | 5,416 |
| Memoranda: | ||
| Average total assets | $516,403,800 | 1,336 |
| Average earning assets | $478,263,200 | 1,322 |
| Average equity | $43,618,200 | 1,536 |
| Average total loans | $443,419,600 | 1,082 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 5,658 |
| Cost of funding earning assets | 2.3441% | 1,833 |
| Net interest margin | 2.9106% | 6,834 |
| Noninterest income to average assets | 0.3978% | 5,298 |
| Noninterest expense to average assets | 3.2599% | 3,081 |
| Loan and lease loss provision to assets | 2.2490% | 761 |
| Net operating income to assets | -1.5001% | 7,114 |
| Return on assets (ROA) | -1.4896% | 7,106 |
| Pretax return on assets | -2.3914% | 7,311 |
| Return on Equity (ROE) | -17.5643% | 7,293 |
| Retained earnings to average equity (ytd only) | -17.5643% | 7,255 |
| Net charge-offs to loans | 2.2961% | 822 |
| Credit loss provision to net charge-offs | 113.6997% | 4,467 |
| Earnings coverage of net charge-offs (x) | -0.0802% | 6,159 |
| Efficiency ratio | 105.1177% | 881 |
| Assets per employee ($millions) | 3.4304% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 2,935 |
| Loan loss allowance to noncurrent loans | 22.8064% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 7.6813% | 573 |
| Noncurrent loans to loans | 7.0853% | 757 |
| Net loans and leases to total assets | 82.5555% | 735 |
| Net loans and leases to deposits | 93.3598% | 1,991 |
| Net loans and leases to core deposits | 117.7622% | 2,438 |
| Total domestic deposits to total assets | 88.4272% | 1,465 |
| Equity capital to assets | 8.2018% | 6,640 |
| Core capital (leverage) ratio | 7.3748% | 7,105 |
| Tier 1 risk-based capital ratio | 10.4901% | 6,482 |
| Total risk-based capital ratio | 11.7486% | 6,423 |
| Memoranda: | ||
| Average total assets | $522,536,500 | 1,335 |
| Average earning assets | $485,347,750 | 1,318 |
| Average equity | $44,316,000 | 1,534 |
| Average total loans | $450,139,750 | 1,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 5,776 |
| Cost of funding earning assets | 2.4579% | 1,755 |
| Net interest margin | 2.8161% | 6,982 |
| Noninterest income to average assets | 0.7168% | 2,887 |
| Noninterest expense to average assets | 3.1267% | 3,593 |
| Loan and lease loss provision to assets | 1.8028% | 917 |
| Net operating income to assets | -0.9476% | 6,932 |
| Return on assets (ROA) | -0.9322% | 6,928 |
| Pretax return on assets | -1.5615% | 7,116 |
| Return on Equity (ROE) | -10.8812% | 7,105 |
| Retained earnings to average equity (ytd only) | -10.8812% | 6,964 |
| Net charge-offs to loans | 2.1744% | 845 |
| Credit loss provision to net charge-offs | 95.4808% | 4,756 |
| Earnings coverage of net charge-offs (x) | 0.1151% | 5,556 |
| Efficiency ratio | 93.5027% | 1,533 |
| Assets per employee ($millions) | 3.5711% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 4,711 |
| Loan loss allowance to noncurrent loans | 16.9503% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 7.8672% | 486 |
| Noncurrent loans to loans | 7.2839% | 653 |
| Net loans and leases to total assets | 84.1434% | 613 |
| Net loans and leases to deposits | 96.7459% | 1,688 |
| Net loans and leases to core deposits | 123.7976% | 2,046 |
| Total domestic deposits to total assets | 86.9737% | 2,271 |
| Equity capital to assets | 8.5307% | 6,004 |
| Core capital (leverage) ratio | 8.0690% | 6,217 |
| Tier 1 risk-based capital ratio | 11.7042% | 5,194 |
| Total risk-based capital ratio | 12.9574% | 5,121 |
| Memoranda: | ||
| Average total assets | $532,055,670 | 1,320 |
| Average earning assets | $496,362,000 | 1,305 |
| Average equity | $45,583,000 | 1,510 |
| Average total loans | $462,018,000 | 1,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 5,662 |
| Cost of funding earning assets | 2.5541% | 1,724 |
| Net interest margin | 2.7945% | 7,002 |
| Noninterest income to average assets | 0.5701% | 3,761 |
| Noninterest expense to average assets | 3.1647% | 3,133 |
| Loan and lease loss provision to assets | 0.1405% | 5,148 |
| Net operating income to assets | 0.0617% | 6,089 |
| Return on assets (ROA) | 0.0821% | 6,199 |
| Pretax return on assets | -0.0813% | 6,463 |
| Return on Equity (ROE) | 0.9561% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.9561% | 5,266 |
| Net charge-offs to loans | 0.9055% | 1,454 |
| Credit loss provision to net charge-offs | 17.7074% | 5,100 |
| Earnings coverage of net charge-offs (x) | 0.0345% | 4,948 |
| Efficiency ratio | 99.1429% | 1,166 |
| Assets per employee ($millions) | 3.7812% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,951 |
| Loan loss allowance to noncurrent loans | 13.2491% | 7,454 |
| Noncurrent assets plus other real estate owned to assets | 7.3058% | 446 |
| Noncurrent loans to loans | 7.7651% | 475 |
| Net loans and leases to total assets | 85.7604% | 480 |
| Net loans and leases to deposits | 98.2612% | 1,627 |
| Net loans and leases to core deposits | 127.8793% | 1,793 |
| Total domestic deposits to total assets | 87.2780% | 2,079 |
| Equity capital to assets | 8.7427% | 5,701 |
| Core capital (leverage) ratio | 8.9767% | 4,745 |
| Tier 1 risk-based capital ratio | 12.9847% | 4,186 |
| Total risk-based capital ratio | 14.2349% | 4,116 |
| Memoranda: | ||
| Average total assets | $540,966,000 | 1,308 |
| Average earning assets | $507,573,000 | 1,274 |
| Average equity | $46,440,500 | 1,493 |
| Average total loans | $473,975,000 | 1,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9971% | 5,558 |
| Cost of funding earning assets | 3.0102% | 1,839 |
| Net interest margin | 2.9869% | 6,948 |
| Noninterest income to average assets | 0.3296% | 6,089 |
| Noninterest expense to average assets | 2.8284% | 4,702 |
| Loan and lease loss provision to assets | 1.6287% | 798 |
| Net operating income to assets | -0.8053% | 7,137 |
| Return on assets (ROA) | -0.8053% | 7,042 |
| Pretax return on assets | -1.3152% | 7,173 |
| Return on Equity (ROE) | -9.1063% | 7,208 |
| Retained earnings to average equity (ytd only) | -9.1063% | 6,980 |
| Net charge-offs to loans | 1.0071% | 1,228 |
| Credit loss provision to net charge-offs | 182.5483% | 2,732 |
| Earnings coverage of net charge-offs (x) | 0.3514% | 6,020 |
| Efficiency ratio | 90.0200% | 1,516 |
| Assets per employee ($millions) | 3.7588% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 4,850 |
| Loan loss allowance to noncurrent loans | 20.3488% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 5.2755% | 632 |
| Noncurrent loans to loans | 5.6994% | 671 |
| Net loans and leases to total assets | 87.5265% | 413 |
| Net loans and leases to deposits | 109.6845% | 858 |
| Net loans and leases to core deposits | 140.0498% | 1,268 |
| Total domestic deposits to total assets | 79.7984% | 5,101 |
| Equity capital to assets | 8.4313% | 6,205 |
| Core capital (leverage) ratio | 8.9242% | 4,853 |
| Tier 1 risk-based capital ratio | 12.2498% | 4,626 |
| Total risk-based capital ratio | 13.5018% | 4,516 |
| Memoranda: | ||
| Average total assets | $556,818,400 | 1,220 |
| Average earning assets | $524,285,200 | 1,179 |
| Average equity | $49,240,400 | 1,384 |
| Average total loans | $493,314,600 | 969 |