Home > The Harbor Bank of Maryland > Performance and Condition Ratios
The Harbor Bank of Maryland, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 2,165 |
| Cost of funding earning assets | 0.8624% | 3,594 |
| Net interest margin | 4.0923% | 1,083 |
| Noninterest income to average assets | 1.2300% | 486 |
| Noninterest expense to average assets | 4.1478% | 332 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.6544% | 3,302 |
| Return on assets (ROA) | 0.6544% | 3,279 |
| Pretax return on assets | 0.8272% | 3,148 |
| Return on Equity (ROE) | 6.4100% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.4134% | 2,090 |
| Net charge-offs to loans | 0.1019% | 892 |
| Credit loss provision to net charge-offs | 186.0465% | 1,280 |
| Earnings coverage of net charge-offs (x) | 16.0047% | 2,025 |
| Efficiency ratio | 81.5891% | 803 |
| Assets per employee ($millions) | 5.1074% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 1,933 |
| Loan loss allowance to noncurrent loans | 47.6417% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 253 |
| Noncurrent loans to loans | 2.6619% | 173 |
| Net loans and leases to total assets | 55.7600% | 3,215 |
| Net loans and leases to deposits | 63.3179% | 3,334 |
| Net loans and leases to core deposits | 68.3001% | 3,391 |
| Total domestic deposits to total assets | 88.0700% | 1,331 |
| Equity capital to assets | 10.5888% | 1,684 |
| Core capital (leverage) ratio | 11.3325% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $367,639,600 | 2,124 |
| Average earning assets | $346,480,000 | 2,107 |
| Average equity | $37,515,200 | 1,957 |
| Average total loans | $211,059,800 | 2,224 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 1,945 |
| Cost of funding earning assets | 0.8599% | 3,374 |
| Net interest margin | 4.0908% | 1,083 |
| Noninterest income to average assets | 1.1500% | 529 |
| Noninterest expense to average assets | 4.0723% | 344 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.6585% | 3,412 |
| Return on assets (ROA) | 0.6585% | 3,399 |
| Pretax return on assets | 0.8316% | 3,263 |
| Return on Equity (ROE) | 6.5200% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.5167% | 2,456 |
| Net charge-offs to loans | 0.1140% | 702 |
| Credit loss provision to net charge-offs | 138.8889% | 1,366 |
| Earnings coverage of net charge-offs (x) | 14.0389% | 2,013 |
| Efficiency ratio | 81.5237% | 758 |
| Assets per employee ($millions) | 4.8305% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,289 |
| Loan loss allowance to noncurrent loans | 48.0178% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 261 |
| Noncurrent loans to loans | 2.5294% | 196 |
| Net loans and leases to total assets | 56.6800% | 3,139 |
| Net loans and leases to deposits | 64.1521% | 3,258 |
| Net loans and leases to core deposits | 69.2522% | 3,246 |
| Total domestic deposits to total assets | 88.3500% | 1,460 |
| Equity capital to assets | 10.2944% | 1,647 |
| Core capital (leverage) ratio | 11.0640% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $365,063,000 | 2,138 |
| Average earning assets | $343,430,250 | 2,119 |
| Average equity | $36,889,000 | 1,972 |
| Average total loans | $210,459,750 | 2,225 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 2,164 |
| Cost of funding earning assets | 0.8411% | 3,094 |
| Net interest margin | 3.8797% | 1,462 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.9276% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1522% | 4,331 |
| Return on assets (ROA) | 0.1522% | 4,361 |
| Pretax return on assets | 0.1908% | 4,332 |
| Return on Equity (ROE) | 1.5200% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.5156% | 3,821 |
| Net charge-offs to loans | 0.0611% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 5.4063% | 2,171 |
| Efficiency ratio | 95.3681% | 238 |
| Assets per employee ($millions) | 4.9047% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,496 |
| Loan loss allowance to noncurrent loans | 55.8636% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 351 |
| Noncurrent loans to loans | 2.1285% | 249 |
| Net loans and leases to total assets | 54.8000% | 3,208 |
| Net loans and leases to deposits | 61.4505% | 3,342 |
| Net loans and leases to core deposits | 67.1490% | 3,280 |
| Total domestic deposits to total assets | 89.1700% | 1,189 |
| Equity capital to assets | 9.8112% | 1,973 |
| Core capital (leverage) ratio | 11.0208% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $362,767,667 | 2,157 |
| Average earning assets | $340,750,333 | 2,138 |
| Average equity | $36,422,000 | 2,002 |
| Average total loans | $209,475,333 | 2,226 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 1,654 |
| Cost of funding earning assets | 0.8086% | 2,700 |
| Net interest margin | 3.9796% | 1,302 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.8851% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1968% | 4,357 |
| Return on assets (ROA) | 0.1968% | 4,323 |
| Pretax return on assets | 0.2493% | 4,295 |
| Return on Equity (ROE) | 1.9400% | 4,313 |
| Retained earnings to average equity (ytd only) | 1.9369% | 3,713 |
| Net charge-offs to loans | -0.0076% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.9697% | 262 |
| Assets per employee ($millions) | 4.8349% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,722 |
| Loan loss allowance to noncurrent loans | 80.3435% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 504 |
| Noncurrent loans to loans | 1.4545% | 451 |
| Net loans and leases to total assets | 60.5300% | 2,591 |
| Net loans and leases to deposits | 68.9636% | 2,694 |
| Net loans and leases to core deposits | 73.3260% | 2,732 |
| Total domestic deposits to total assets | 87.7600% | 1,999 |
| Equity capital to assets | 10.4176% | 1,604 |
| Core capital (leverage) ratio | 10.8637% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7241% | 879 |
| Memoranda: | ||
| Average total assets | $357,773,000 | 2,202 |
| Average earning assets | $334,408,000 | 2,191 |
| Average equity | $36,347,000 | 2,030 |
| Average total loans | $210,852,000 | 2,236 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 3,146 |
| Cost of funding earning assets | 0.5673% | 1,032 |
| Net interest margin | 2.9056% | 3,663 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.3496% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1101% | 4,503 |
| Return on assets (ROA) | 0.1101% | 4,493 |
| Pretax return on assets | 0.1120% | 4,498 |
| Return on Equity (ROE) | 1.2800% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.2776% | 4,144 |
| Net charge-offs to loans | -0.0422% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.7641% | 186 |
| Assets per employee ($millions) | 5.4939% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,260 |
| Loan loss allowance to noncurrent loans | 57.9237% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 318 |
| Noncurrent loans to loans | 2.1182% | 250 |
| Net loans and leases to total assets | 55.9900% | 3,033 |
| Net loans and leases to deposits | 63.4399% | 3,087 |
| Net loans and leases to core deposits | 67.4033% | 3,042 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 9.9077% | 1,752 |
| Core capital (leverage) ratio | 10.9142% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8322% | 854 |
| Memoranda: | ||
| Average total assets | $367,806,800 | 2,153 |
| Average earning assets | $346,361,400 | 2,122 |
| Average equity | $31,699,200 | 2,261 |
| Average total loans | $194,349,600 | 2,277 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 3,281 |
| Cost of funding earning assets | 0.5251% | 660 |
| Net interest margin | 2.7365% | 3,861 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 3.2286% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0242% | 4,580 |
| Return on assets (ROA) | 0.0242% | 4,551 |
| Pretax return on assets | 0.0441% | 4,543 |
| Return on Equity (ROE) | 0.2900% | 4,543 |
| Retained earnings to average equity (ytd only) | 0.2915% | 4,296 |
| Net charge-offs to loans | -0.0592% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 98.6534% | 171 |
| Assets per employee ($millions) | 5.2954% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,113 |
| Loan loss allowance to noncurrent loans | 84.9310% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 608 |
| Noncurrent loans to loans | 1.5108% | 467 |
| Net loans and leases to total assets | 52.4000% | 3,246 |
| Net loans and leases to deposits | 60.5161% | 3,148 |
| Net loans and leases to core deposits | 64.4761% | 3,074 |
| Total domestic deposits to total assets | 86.6000% | 2,886 |
| Equity capital to assets | 9.5307% | 1,865 |
| Core capital (leverage) ratio | 10.4288% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6777% | 765 |
| Memoranda: | ||
| Average total assets | $369,109,500 | 2,159 |
| Average earning assets | $349,636,000 | 2,125 |
| Average equity | $30,642,750 | 2,339 |
| Average total loans | $191,548,750 | 2,294 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1356% | 3,221 |
| Cost of funding earning assets | 0.4734% | 611 |
| Net interest margin | 2.6621% | 3,791 |
| Noninterest income to average assets | 0.6962% | 1,353 |
| Noninterest expense to average assets | 3.1352% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0749% | 4,535 |
| Return on assets (ROA) | 0.0749% | 4,501 |
| Pretax return on assets | 0.0933% | 4,494 |
| Return on Equity (ROE) | 0.9491% | 4,468 |
| Retained earnings to average equity (ytd only) | 0.9491% | 4,008 |
| Net charge-offs to loans | -0.1075% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1092% | 230 |
| Assets per employee ($millions) | 6.7613% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,837 |
| Loan loss allowance to noncurrent loans | 85.0736% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 700 |
| Noncurrent loans to loans | 1.6226% | 446 |
| Net loans and leases to total assets | 44.7662% | 3,774 |
| Net loans and leases to deposits | 51.5191% | 3,725 |
| Net loans and leases to core deposits | 54.5281% | 3,666 |
| Total domestic deposits to total assets | 86.8923% | 2,979 |
| Equity capital to assets | 9.0493% | 2,356 |
| Core capital (leverage) ratio | 11.0529% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6309% | 573 |
| Memoranda: | ||
| Average total assets | $368,587,000 | 2,165 |
| Average earning assets | $350,623,000 | 2,136 |
| Average equity | $29,081,000 | 2,457 |
| Average total loans | $189,805,667 | 2,302 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2995% | 2,389 |
| Cost of funding earning assets | 0.4717% | 578 |
| Net interest margin | 2.8278% | 3,053 |
| Noninterest income to average assets | 0.6262% | 1,581 |
| Noninterest expense to average assets | 3.2271% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0766% | 4,493 |
| Return on assets (ROA) | 0.0766% | 4,468 |
| Pretax return on assets | 0.0914% | 4,453 |
| Return on Equity (ROE) | 1.0607% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.0607% | 3,812 |
| Net charge-offs to loans | -0.2139% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2452% | 295 |
| Assets per employee ($millions) | 6.0579% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 2,226 |
| Loan loss allowance to noncurrent loans | 43.0142% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 220 |
| Noncurrent loans to loans | 3.0869% | 166 |
| Net loans and leases to total assets | 51.1401% | 3,054 |
| Net loans and leases to deposits | 56.5397% | 3,214 |
| Net loans and leases to core deposits | 59.7430% | 3,173 |
| Total domestic deposits to total assets | 90.4498% | 1,323 |
| Equity capital to assets | 6.7856% | 4,303 |
| Core capital (leverage) ratio | 7.9395% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5935% | 1,620 |
| Memoranda: | ||
| Average total assets | $350,041,000 | 2,255 |
| Average earning assets | $333,258,500 | 2,216 |
| Average equity | $25,266,000 | 2,754 |
| Average total loans | $192,634,000 | 2,281 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3081% | 3,184 |
| Cost of funding earning assets | 0.5461% | 731 |
| Net interest margin | 2.7620% | 3,748 |
| Noninterest income to average assets | 1.2505% | 676 |
| Noninterest expense to average assets | 3.3330% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5266% | 4,022 |
| Return on assets (ROA) | 0.5266% | 4,073 |
| Pretax return on assets | 0.5333% | 4,203 |
| Return on Equity (ROE) | 7.4264% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.4264% | 1,752 |
| Net charge-offs to loans | -0.0054% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 466 |
| Assets per employee ($millions) | 5.2341% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,573 |
| Loan loss allowance to noncurrent loans | 51.8818% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 305 |
| Noncurrent loans to loans | 2.4274% | 280 |
| Net loans and leases to total assets | 58.0155% | 2,372 |
| Net loans and leases to deposits | 66.4077% | 2,473 |
| Net loans and leases to core deposits | 70.7909% | 2,378 |
| Total domestic deposits to total assets | 87.3625% | 2,354 |
| Equity capital to assets | 7.7419% | 4,492 |
| Core capital (leverage) ratio | 8.3185% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7433% | 1,602 |
| Memoranda: | ||
| Average total assets | $330,036,000 | 2,293 |
| Average earning assets | $312,562,800 | 2,269 |
| Average equity | $23,403,000 | 2,948 |
| Average total loans | $203,161,000 | 2,214 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 3,122 |
| Cost of funding earning assets | 0.5551% | 811 |
| Net interest margin | 2.8381% | 3,689 |
| Noninterest income to average assets | 1.1810% | 821 |
| Noninterest expense to average assets | 3.2784% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5816% | 4,038 |
| Return on assets (ROA) | 0.5816% | 4,083 |
| Pretax return on assets | 0.5873% | 4,252 |
| Return on Equity (ROE) | 8.3945% | 3,286 |
| Retained earnings to average equity (ytd only) | 8.3945% | 1,915 |
| Net charge-offs to loans | -0.0045% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8083% | 483 |
| Assets per employee ($millions) | 5.3551% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,443 |
| Loan loss allowance to noncurrent loans | 105.1360% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,044 |
| Noncurrent loans to loans | 1.2454% | 888 |
| Net loans and leases to total assets | 56.2100% | 2,705 |
| Net loans and leases to deposits | 65.5548% | 2,670 |
| Net loans and leases to core deposits | 70.0783% | 2,591 |
| Total domestic deposits to total assets | 85.7451% | 2,849 |
| Equity capital to assets | 7.8357% | 4,594 |
| Core capital (leverage) ratio | 8.2196% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2806% | 1,292 |
| Memoranda: | ||
| Average total assets | $330,107,500 | 2,319 |
| Average earning assets | $312,270,250 | 2,290 |
| Average equity | $22,871,500 | 3,032 |
| Average total loans | $205,514,750 | 2,235 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 3,291 |
| Cost of funding earning assets | 0.5626% | 900 |
| Net interest margin | 2.7940% | 3,801 |
| Noninterest income to average assets | 0.8893% | 1,300 |
| Noninterest expense to average assets | 3.2023% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3248% | 4,498 |
| Return on assets (ROA) | 0.3248% | 4,520 |
| Pretax return on assets | 0.3284% | 4,561 |
| Return on Equity (ROE) | 4.8991% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.8991% | 3,221 |
| Net charge-offs to loans | -0.0123% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6977% | 318 |
| Assets per employee ($millions) | 5.5584% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,966 |
| Loan loss allowance to noncurrent loans | 74.4059% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 701 |
| Noncurrent loans to loans | 1.6052% | 684 |
| Net loans and leases to total assets | 60.5731% | 2,355 |
| Net loans and leases to deposits | 73.1144% | 2,091 |
| Net loans and leases to core deposits | 78.0012% | 2,046 |
| Total domestic deposits to total assets | 82.8469% | 3,738 |
| Equity capital to assets | 7.3795% | 4,772 |
| Core capital (leverage) ratio | 8.0383% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1396% | 1,585 |
| Memoranda: | ||
| Average total assets | $331,257,000 | 2,296 |
| Average earning assets | $313,167,000 | 2,271 |
| Average equity | $21,963,333 | 3,090 |
| Average total loans | $211,955,333 | 2,197 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 2,243 |
| Cost of funding earning assets | 0.5723% | 1,001 |
| Net interest margin | 3.1772% | 2,767 |
| Noninterest income to average assets | 0.4191% | 2,990 |
| Noninterest expense to average assets | 3.2209% | 695 |
| Loan and lease loss provision to assets | 0.0606% | 1,911 |
| Net operating income to assets | 0.1357% | 4,682 |
| Return on assets (ROA) | 0.1357% | 4,702 |
| Pretax return on assets | 0.1369% | 4,710 |
| Return on Equity (ROE) | 2.1614% | 4,588 |
| Retained earnings to average equity (ytd only) | 2.1614% | 3,979 |
| Net charge-offs to loans | -0.0037% | 3,284 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2240% | 281 |
| Assets per employee ($millions) | 5.8290% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,166 |
| Loan loss allowance to noncurrent loans | 63.2908% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 596 |
| Noncurrent loans to loans | 1.8267% | 625 |
| Net loans and leases to total assets | 62.7386% | 2,199 |
| Net loans and leases to deposits | 77.4442% | 1,766 |
| Net loans and leases to core deposits | 81.9288% | 1,843 |
| Total domestic deposits to total assets | 81.0114% | 4,062 |
| Equity capital to assets | 6.1033% | 4,932 |
| Core capital (leverage) ratio | 7.1662% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6518% | 2,780 |
| Memoranda: | ||
| Average total assets | $330,221,500 | 2,286 |
| Average earning assets | $311,720,000 | 2,262 |
| Average equity | $20,727,000 | 3,176 |
| Average total loans | $215,449,000 | 2,173 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,335 |
| Cost of funding earning assets | 0.7348% | 1,542 |
| Net interest margin | 3.0543% | 3,741 |
| Noninterest income to average assets | 0.5222% | 2,537 |
| Noninterest expense to average assets | 3.3538% | 842 |
| Loan and lease loss provision to assets | 0.0589% | 3,636 |
| Net operating income to assets | 0.0070% | 4,729 |
| Return on assets (ROA) | 0.0156% | 4,762 |
| Pretax return on assets | 0.0162% | 4,756 |
| Return on Equity (ROE) | 0.2350% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.2350% | 4,450 |
| Net charge-offs to loans | -0.0023% | 4,001 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0648% | 200 |
| Assets per employee ($millions) | 5.2009% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,343 |
| Loan loss allowance to noncurrent loans | 106.7692% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 1,331 |
| Noncurrent loans to loans | 1.0517% | 1,352 |
| Net loans and leases to total assets | 66.3290% | 2,044 |
| Net loans and leases to deposits | 81.0001% | 1,765 |
| Net loans and leases to core deposits | 85.7640% | 1,889 |
| Total domestic deposits to total assets | 81.8876% | 3,687 |
| Equity capital to assets | 6.4676% | 4,959 |
| Core capital (leverage) ratio | 7.2699% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1260% | 2,890 |
| Memoranda: | ||
| Average total assets | $314,267,400 | 2,217 |
| Average earning assets | $298,172,400 | 2,193 |
| Average equity | $20,850,800 | 3,109 |
| Average total loans | $216,448,800 | 2,130 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 3,209 |
| Cost of funding earning assets | 0.7688% | 1,642 |
| Net interest margin | 3.1445% | 3,633 |
| Noninterest income to average assets | 0.5440% | 2,405 |
| Noninterest expense to average assets | 3.3911% | 806 |
| Loan and lease loss provision to assets | 0.0663% | 3,509 |
| Net operating income to assets | 0.0761% | 4,723 |
| Return on assets (ROA) | 0.0880% | 4,738 |
| Pretax return on assets | 0.0888% | 4,734 |
| Return on Equity (ROE) | 1.3173% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.3173% | 4,146 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9522% | 226 |
| Assets per employee ($millions) | 4.8873% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,626 |
| Loan loss allowance to noncurrent loans | 45.3152% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.6781% | 475 |
| Noncurrent loans to loans | 2.2464% | 509 |
| Net loans and leases to total assets | 71.0906% | 1,803 |
| Net loans and leases to deposits | 87.6876% | 1,523 |
| Net loans and leases to core deposits | 93.2121% | 1,695 |
| Total domestic deposits to total assets | 81.0726% | 3,644 |
| Equity capital to assets | 6.4052% | 4,994 |
| Core capital (leverage) ratio | 7.3406% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6689% | 2,995 |
| Memoranda: | ||
| Average total assets | $312,221,000 | 2,209 |
| Average earning assets | $296,892,000 | 2,174 |
| Average equity | $20,849,750 | 3,108 |
| Average total loans | $216,483,750 | 2,126 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,435 |
| Cost of funding earning assets | 0.8265% | 1,694 |
| Net interest margin | 3.1322% | 3,828 |
| Noninterest income to average assets | 0.6023% | 2,119 |
| Noninterest expense to average assets | 3.4407% | 804 |
| Loan and lease loss provision to assets | 0.0391% | 3,789 |
| Net operating income to assets | 0.1009% | 4,687 |
| Return on assets (ROA) | 0.1192% | 4,697 |
| Pretax return on assets | 0.1192% | 4,707 |
| Return on Equity (ROE) | 1.7589% | 4,573 |
| Retained earnings to average equity (ytd only) | 1.7589% | 3,850 |
| Net charge-offs to loans | 0.0114% | 2,551 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 17.9167% | 1,796 |
| Efficiency ratio | 96.0902% | 241 |
| Assets per employee ($millions) | 5.1237% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,743 |
| Loan loss allowance to noncurrent loans | 60.5667% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 892 |
| Noncurrent loans to loans | 1.5912% | 933 |
| Net loans and leases to total assets | 71.6707% | 1,773 |
| Net loans and leases to deposits | 88.4003% | 1,514 |
| Net loans and leases to core deposits | 92.7504% | 1,840 |
| Total domestic deposits to total assets | 81.0752% | 3,585 |
| Equity capital to assets | 6.4040% | 5,021 |
| Core capital (leverage) ratio | 7.2192% | 4,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5082% | 3,085 |
| Memoranda: | ||
| Average total assets | $307,144,333 | 2,208 |
| Average earning assets | $292,066,333 | 2,176 |
| Average equity | $20,808,333 | 3,096 |
| Average total loans | $210,251,333 | 2,149 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 3,351 |
| Cost of funding earning assets | 0.9704% | 1,564 |
| Net interest margin | 3.1881% | 3,890 |
| Noninterest income to average assets | 0.6834% | 1,715 |
| Noninterest expense to average assets | 3.5490% | 866 |
| Loan and lease loss provision to assets | 0.0404% | 3,267 |
| Net operating income to assets | 0.1186% | 4,638 |
| Return on assets (ROA) | 0.1564% | 4,594 |
| Pretax return on assets | 0.1564% | 4,617 |
| Return on Equity (ROE) | 2.2402% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.2402% | 3,354 |
| Net charge-offs to loans | -0.0041% | 3,799 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7107% | 335 |
| Assets per employee ($millions) | 4.2757% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,892 |
| Loan loss allowance to noncurrent loans | 58.7581% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 760 |
| Noncurrent loans to loans | 1.9709% | 731 |
| Net loans and leases to total assets | 68.6888% | 2,441 |
| Net loans and leases to deposits | 75.3448% | 3,135 |
| Net loans and leases to core deposits | 79.9122% | 3,204 |
| Total domestic deposits to total assets | 91.1660% | 91 |
| Equity capital to assets | 7.4350% | 5,040 |
| Core capital (leverage) ratio | 7.0382% | 5,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3929% | 3,249 |
| Memoranda: | ||
| Average total assets | $296,757,000 | 2,228 |
| Average earning assets | $281,546,000 | 2,190 |
| Average equity | $20,712,500 | 3,102 |
| Average total loans | $196,722,500 | 2,211 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 2,865 |
| Cost of funding earning assets | 1.1433% | 1,178 |
| Net interest margin | 3.3809% | 3,795 |
| Noninterest income to average assets | 0.4424% | 3,045 |
| Noninterest expense to average assets | 4.1806% | 431 |
| Loan and lease loss provision to assets | 0.1384% | 1,542 |
| Net operating income to assets | -0.8290% | 5,081 |
| Return on assets (ROA) | -0.8290% | 5,086 |
| Pretax return on assets | -0.7111% | 5,076 |
| Return on Equity (ROE) | -11.8202% | 5,133 |
| Retained earnings to average equity (ytd only) | -11.8202% | 5,086 |
| Net charge-offs to loans | 0.1233% | 1,527 |
| Credit loss provision to net charge-offs | 160.5469% | 1,606 |
| Earnings coverage of net charge-offs (x) | -6.6445% | 3,686 |
| Efficiency ratio | 115.8749% | 86 |
| Assets per employee ($millions) | 4.8644% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,767 |
| Loan loss allowance to noncurrent loans | 49.9331% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4403% | 715 |
| Noncurrent loans to loans | 2.2722% | 528 |
| Net loans and leases to total assets | 62.6684% | 3,341 |
| Net loans and leases to deposits | 68.1670% | 3,807 |
| Net loans and leases to core deposits | 78.9693% | 3,379 |
| Total domestic deposits to total assets | 91.9337% | 42 |
| Equity capital to assets | 6.5669% | 5,156 |
| Core capital (leverage) ratio | 6.6344% | 5,156 |
| Tier 1 risk-based capital ratio | 10.1699% | 5,099 |
| Total risk-based capital ratio | 11.4030% | 5,046 |
| Memoranda: | ||
| Average total assets | $296,992,600 | 2,176 |
| Average earning assets | $278,060,800 | 2,160 |
| Average equity | $20,828,800 | 3,051 |
| Average total loans | $207,684,000 | 2,110 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 2,619 |
| Cost of funding earning assets | 1.1526% | 1,167 |
| Net interest margin | 3.4812% | 3,629 |
| Noninterest income to average assets | 0.3885% | 3,386 |
| Noninterest expense to average assets | 4.1306% | 456 |
| Loan and lease loss provision to assets | 0.1386% | 1,393 |
| Net operating income to assets | -0.4699% | 5,133 |
| Return on assets (ROA) | -0.4699% | 5,142 |
| Pretax return on assets | -0.6335% | 5,147 |
| Return on Equity (ROE) | -6.5884% | 5,173 |
| Retained earnings to average equity (ytd only) | -6.5884% | 5,101 |
| Net charge-offs to loans | 0.1661% | 1,014 |
| Credit loss provision to net charge-offs | 116.4122% | 2,007 |
| Earnings coverage of net charge-offs (x) | -4.1565% | 3,415 |
| Efficiency ratio | 113.6108% | 97 |
| Assets per employee ($millions) | 4.5635% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,350 |
| Loan loss allowance to noncurrent loans | 38.8139% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.7923% | 555 |
| Noncurrent loans to loans | 2.6765% | 405 |
| Net loans and leases to total assets | 66.2681% | 3,019 |
| Net loans and leases to deposits | 72.3288% | 3,596 |
| Net loans and leases to core deposits | 84.1876% | 3,077 |
| Total domestic deposits to total assets | 91.6207% | 52 |
| Equity capital to assets | 7.0089% | 5,223 |
| Core capital (leverage) ratio | 6.8011% | 5,228 |
| Tier 1 risk-based capital ratio | 9.5954% | 5,227 |
| Total risk-based capital ratio | 10.6999% | 5,221 |
| Memoranda: | ||
| Average total assets | $293,410,500 | 2,212 |
| Average earning assets | $273,690,000 | 2,201 |
| Average equity | $20,925,000 | 3,070 |
| Average total loans | $210,270,250 | 2,098 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 2,109 |
| Cost of funding earning assets | 1.1395% | 1,165 |
| Net interest margin | 3.6445% | 3,118 |
| Noninterest income to average assets | 0.4003% | 3,270 |
| Noninterest expense to average assets | 4.3049% | 369 |
| Loan and lease loss provision to assets | 0.1037% | 1,809 |
| Net operating income to assets | -0.4749% | 5,189 |
| Return on assets (ROA) | -0.4749% | 5,194 |
| Pretax return on assets | -0.6298% | 5,200 |
| Return on Equity (ROE) | -6.5983% | 5,218 |
| Retained earnings to average equity (ytd only) | -6.5983% | 5,111 |
| Net charge-offs to loans | 0.1197% | 1,236 |
| Credit loss provision to net charge-offs | 118.1102% | 1,759 |
| Earnings coverage of net charge-offs (x) | -5.9921% | 3,148 |
| Efficiency ratio | 113.9224% | 87 |
| Assets per employee ($millions) | 4.2802% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,551 |
| Loan loss allowance to noncurrent loans | 49.6115% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 798 |
| Noncurrent loans to loans | 2.0404% | 689 |
| Net loans and leases to total assets | 69.7644% | 2,559 |
| Net loans and leases to deposits | 76.0410% | 3,330 |
| Net loans and leases to core deposits | 89.0965% | 2,682 |
| Total domestic deposits to total assets | 91.7457% | 50 |
| Equity capital to assets | 7.1457% | 5,256 |
| Core capital (leverage) ratio | 7.0379% | 5,264 |
| Tier 1 risk-based capital ratio | 9.5284% | 5,273 |
| Total risk-based capital ratio | 10.5324% | 5,280 |
| Memoranda: | ||
| Average total assets | $289,298,670 | 2,241 |
| Average earning assets | $268,183,330 | 2,244 |
| Average equity | $20,823,670 | 3,070 |
| Average total loans | $212,112,670 | 2,100 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,463 |
| Cost of funding earning assets | 1.0805% | 1,254 |
| Net interest margin | 3.8739% | 2,270 |
| Noninterest income to average assets | 0.4010% | 3,175 |
| Noninterest expense to average assets | 3.8368% | 631 |
| Loan and lease loss provision to assets | 0.2096% | 753 |
| Net operating income to assets | -0.0685% | 5,169 |
| Return on assets (ROA) | -0.0685% | 5,169 |
| Pretax return on assets | -0.0936% | 5,172 |
| Return on Equity (ROE) | -0.9476% | 5,185 |
| Retained earnings to average equity (ytd only) | -0.9476% | 4,644 |
| Net charge-offs to loans | 0.2821% | 527 |
| Credit loss provision to net charge-offs | 99.3377% | 1,637 |
| Earnings coverage of net charge-offs (x) | 0.5497% | 2,663 |
| Efficiency ratio | 97.0661% | 211 |
| Assets per employee ($millions) | 4.2058% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,808 |
| Loan loss allowance to noncurrent loans | 53.6994% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3367% | 958 |
| Noncurrent loans to loans | 1.8308% | 840 |
| Net loans and leases to total assets | 72.2907% | 2,104 |
| Net loans and leases to deposits | 81.7939% | 2,629 |
| Net loans and leases to core deposits | 94.5877% | 2,073 |
| Total domestic deposits to total assets | 88.3815% | 1,141 |
| Equity capital to assets | 7.2301% | 5,294 |
| Core capital (leverage) ratio | 7.4574% | 5,288 |
| Tier 1 risk-based capital ratio | 9.5126% | 5,330 |
| Total risk-based capital ratio | 10.4701% | 5,333 |
| Memoranda: | ||
| Average total assets | $286,279,500 | 2,273 |
| Average earning assets | $262,473,000 | 2,299 |
| Average equity | $20,683,500 | 3,095 |
| Average total loans | $214,095,500 | 2,102 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 1,145 |
| Cost of funding earning assets | 0.8507% | 1,301 |
| Net interest margin | 4.1043% | 1,669 |
| Noninterest income to average assets | 0.5406% | 2,608 |
| Noninterest expense to average assets | 4.0314% | 511 |
| Loan and lease loss provision to assets | 0.0396% | 3,403 |
| Net operating income to assets | 0.1557% | 5,141 |
| Return on assets (ROA) | 0.1557% | 5,133 |
| Pretax return on assets | 0.2130% | 5,107 |
| Return on Equity (ROE) | 2.1498% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.1498% | 4,295 |
| Net charge-offs to loans | 0.1194% | 1,543 |
| Credit loss provision to net charge-offs | 42.6357% | 3,263 |
| Earnings coverage of net charge-offs (x) | 2.7171% | 3,494 |
| Efficiency ratio | 94.1033% | 238 |
| Assets per employee ($millions) | 3.7184% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,894 |
| Loan loss allowance to noncurrent loans | 103.0663% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 1,938 |
| Noncurrent loans to loans | 0.9347% | 1,720 |
| Net loans and leases to total assets | 75.8088% | 1,646 |
| Net loans and leases to deposits | 97.7568% | 922 |
| Net loans and leases to core deposits | 103.1493% | 1,495 |
| Total domestic deposits to total assets | 77.5484% | 4,554 |
| Equity capital to assets | 7.3157% | 5,297 |
| Core capital (leverage) ratio | 7.6418% | 5,303 |
| Tier 1 risk-based capital ratio | 9.9719% | 5,312 |
| Total risk-based capital ratio | 11.0072% | 5,315 |
| Memoranda: | ||
| Average total assets | $277,494,400 | 2,282 |
| Average earning assets | $253,098,400 | 2,318 |
| Average equity | $20,094,600 | 3,078 |
| Average total loans | $216,067,400 | 2,059 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 1,172 |
| Cost of funding earning assets | 0.8033% | 1,320 |
| Net interest margin | 4.0907% | 1,655 |
| Noninterest income to average assets | 0.5334% | 2,658 |
| Noninterest expense to average assets | 4.0677% | 480 |
| Loan and lease loss provision to assets | 0.0531% | 2,917 |
| Net operating income to assets | 0.1149% | 5,247 |
| Return on assets (ROA) | 0.1149% | 5,241 |
| Pretax return on assets | 0.1564% | 5,228 |
| Return on Equity (ROE) | 1.5906% | 5,177 |
| Retained earnings to average equity (ytd only) | 1.5906% | 4,698 |
| Net charge-offs to loans | 0.1241% | 1,272 |
| Credit loss provision to net charge-offs | 54.7264% | 2,793 |
| Earnings coverage of net charge-offs (x) | 2.1592% | 3,275 |
| Efficiency ratio | 95.1021% | 218 |
| Assets per employee ($millions) | 3.9452% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,989 |
| Loan loss allowance to noncurrent loans | 106.8897% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 2,087 |
| Noncurrent loans to loans | 0.9008% | 1,896 |
| Net loans and leases to total assets | 77.5227% | 1,409 |
| Net loans and leases to deposits | 99.3956% | 836 |
| Net loans and leases to core deposits | 104.6417% | 1,407 |
| Total domestic deposits to total assets | 77.9941% | 4,485 |
| Equity capital to assets | 6.9965% | 5,388 |
| Core capital (leverage) ratio | 7.6296% | 5,381 |
| Tier 1 risk-based capital ratio | 9.6467% | 5,426 |
| Total risk-based capital ratio | 10.6824% | 5,425 |
| Memoranda: | ||
| Average total assets | $276,218,250 | 2,304 |
| Average earning assets | $252,796,750 | 2,333 |
| Average equity | $19,949,750 | 3,113 |
| Average total loans | $216,004,500 | 2,063 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 1,385 |
| Cost of funding earning assets | 0.7331% | 1,452 |
| Net interest margin | 4.0167% | 1,803 |
| Noninterest income to average assets | 0.7493% | 1,649 |
| Noninterest expense to average assets | 4.2828% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1082% | 5,288 |
| Return on assets (ROA) | 0.1082% | 5,280 |
| Pretax return on assets | 0.1469% | 5,275 |
| Return on Equity (ROE) | 1.4819% | 5,228 |
| Retained earnings to average equity (ytd only) | 1.4819% | 4,646 |
| Net charge-offs to loans | 0.1842% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.0203% | 3,091 |
| Efficiency ratio | 96.6832% | 213 |
| Assets per employee ($millions) | 4.0838% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,194 |
| Loan loss allowance to noncurrent loans | 91.4607% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 1,923 |
| Noncurrent loans to loans | 1.0195% | 1,728 |
| Net loans and leases to total assets | 75.6330% | 1,691 |
| Net loans and leases to deposits | 96.8574% | 1,052 |
| Net loans and leases to core deposits | 101.9262% | 1,570 |
| Total domestic deposits to total assets | 78.0869% | 4,575 |
| Equity capital to assets | 7.0103% | 5,448 |
| Core capital (leverage) ratio | 7.7027% | 5,415 |
| Tier 1 risk-based capital ratio | 9.7759% | 5,470 |
| Total risk-based capital ratio | 10.7708% | 5,475 |
| Memoranda: | ||
| Average total assets | $273,606,000 | 2,325 |
| Average earning assets | $250,702,670 | 2,350 |
| Average equity | $19,975,000 | 3,137 |
| Average total loans | $213,890,000 | 2,080 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,456 |
| Cost of funding earning assets | 0.6572% | 1,679 |
| Net interest margin | 3.9855% | 1,772 |
| Noninterest income to average assets | 0.7702% | 1,544 |
| Noninterest expense to average assets | 4.2860% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1032% | 5,328 |
| Return on assets (ROA) | 0.1032% | 5,324 |
| Pretax return on assets | 0.1391% | 5,312 |
| Return on Equity (ROE) | 1.3840% | 5,269 |
| Retained earnings to average equity (ytd only) | 1.3840% | 4,520 |
| Net charge-offs to loans | -0.0132% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8570% | 231 |
| Assets per employee ($millions) | 3.7375% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,642 |
| Loan loss allowance to noncurrent loans | 131.3196% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 2,260 |
| Noncurrent loans to loans | 0.8015% | 2,209 |
| Net loans and leases to total assets | 78.2209% | 1,207 |
| Net loans and leases to deposits | 93.0225% | 1,330 |
| Net loans and leases to core deposits | 98.1306% | 1,825 |
| Total domestic deposits to total assets | 84.0882% | 3,288 |
| Equity capital to assets | 7.3961% | 5,448 |
| Core capital (leverage) ratio | 7.9260% | 5,405 |
| Tier 1 risk-based capital ratio | 9.9157% | 5,518 |
| Total risk-based capital ratio | 11.0248% | 5,501 |
| Memoranda: | ||
| Average total assets | $267,476,000 | 2,387 |
| Average earning assets | $245,288,500 | 2,418 |
| Average equity | $19,942,500 | 3,164 |
| Average total loans | $211,713,000 | 2,103 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 1,900 |
| Cost of funding earning assets | 0.5264% | 2,125 |
| Net interest margin | 3.9176% | 2,036 |
| Noninterest income to average assets | 0.7683% | 1,700 |
| Noninterest expense to average assets | 4.0464% | 504 |
| Loan and lease loss provision to assets | 0.1748% | 1,246 |
| Net operating income to assets | 0.0598% | 5,294 |
| Return on assets (ROA) | 0.0598% | 5,300 |
| Pretax return on assets | 0.0967% | 5,380 |
| Return on Equity (ROE) | 0.7786% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.7786% | 4,727 |
| Net charge-offs to loans | 0.4030% | 620 |
| Credit loss provision to net charge-offs | 56.4617% | 3,257 |
| Earnings coverage of net charge-offs (x) | 0.8770% | 3,953 |
| Efficiency ratio | 93.7123% | 304 |
| Assets per employee ($millions) | 3.7505% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,564 |
| Loan loss allowance to noncurrent loans | 103.2855% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 1,794 |
| Noncurrent loans to loans | 1.0257% | 1,732 |
| Net loans and leases to total assets | 78.2840% | 1,252 |
| Net loans and leases to deposits | 93.3660% | 1,346 |
| Net loans and leases to core deposits | 97.8695% | 1,866 |
| Total domestic deposits to total assets | 83.8464% | 3,262 |
| Equity capital to assets | 7.7724% | 5,467 |
| Core capital (leverage) ratio | 8.2043% | 5,349 |
| Tier 1 risk-based capital ratio | 10.2468% | 5,464 |
| Total risk-based capital ratio | 11.4968% | 5,389 |
| Memoranda: | ||
| Average total assets | $257,463,400 | 2,438 |
| Average earning assets | $233,279,200 | 2,475 |
| Average equity | $19,778,800 | 3,169 |
| Average total loans | $197,751,200 | 2,173 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,191 |
| Cost of funding earning assets | 0.5058% | 2,221 |
| Net interest margin | 3.8209% | 2,314 |
| Noninterest income to average assets | 0.8660% | 1,384 |
| Noninterest expense to average assets | 4.0063% | 515 |
| Loan and lease loss provision to assets | 0.2351% | 766 |
| Net operating income to assets | 0.0460% | 5,483 |
| Return on assets (ROA) | 0.0460% | 5,490 |
| Pretax return on assets | 0.0736% | 5,474 |
| Return on Equity (ROE) | 0.6002% | 5,472 |
| Retained earnings to average equity (ytd only) | 0.6002% | 5,089 |
| Net charge-offs to loans | 0.2865% | 752 |
| Credit loss provision to net charge-offs | 107.6555% | 2,171 |
| Earnings coverage of net charge-offs (x) | 1.4139% | 3,575 |
| Efficiency ratio | 92.8459% | 319 |
| Assets per employee ($millions) | 3.5179% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,315 |
| Loan loss allowance to noncurrent loans | 155.2319% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 2,260 |
| Noncurrent loans to loans | 0.8436% | 2,254 |
| Net loans and leases to total assets | 77.6877% | 1,316 |
| Net loans and leases to deposits | 87.0603% | 2,178 |
| Net loans and leases to core deposits | 91.0931% | 2,520 |
| Total domestic deposits to total assets | 89.2343% | 767 |
| Equity capital to assets | 8.1963% | 5,441 |
| Core capital (leverage) ratio | 8.5379% | 5,221 |
| Tier 1 risk-based capital ratio | 10.9343% | 5,284 |
| Total risk-based capital ratio | 12.1860% | 5,172 |
| Memoranda: | ||
| Average total assets | $255,257,250 | 2,469 |
| Average earning assets | $230,408,250 | 2,513 |
| Average equity | $19,549,250 | 3,216 |
| Average total loans | $194,515,750 | 2,214 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,335 |
| Cost of funding earning assets | 0.4915% | 2,244 |
| Net interest margin | 3.7451% | 2,491 |
| Noninterest income to average assets | 0.7901% | 1,606 |
| Noninterest expense to average assets | 4.1131% | 460 |
| Loan and lease loss provision to assets | 0.3517% | 407 |
| Net operating income to assets | -0.1868% | 5,618 |
| Return on assets (ROA) | -0.1868% | 5,619 |
| Pretax return on assets | -0.3103% | 5,634 |
| Return on Equity (ROE) | -2.4966% | 5,637 |
| Retained earnings to average equity (ytd only) | -2.4966% | 5,382 |
| Net charge-offs to loans | 0.4396% | 461 |
| Credit loss provision to net charge-offs | 106.1321% | 1,934 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 3,404 |
| Efficiency ratio | 99.0030% | 199 |
| Assets per employee ($millions) | 3.4166% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,293 |
| Loan loss allowance to noncurrent loans | 166.3474% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 1,746 |
| Noncurrent loans to loans | 0.7969% | 2,413 |
| Net loans and leases to total assets | 76.6953% | 1,430 |
| Net loans and leases to deposits | 86.2193% | 2,191 |
| Net loans and leases to core deposits | 90.2317% | 2,495 |
| Total domestic deposits to total assets | 88.9538% | 979 |
| Equity capital to assets | 8.0703% | 5,505 |
| Core capital (leverage) ratio | 8.2407% | 5,401 |
| Tier 1 risk-based capital ratio | 10.9423% | 5,280 |
| Total risk-based capital ratio | 12.1940% | 5,183 |
| Memoranda: | ||
| Average total assets | $255,914,330 | 2,479 |
| Average earning assets | $229,900,670 | 2,527 |
| Average equity | $19,145,670 | 3,258 |
| Average total loans | $192,893,330 | 2,234 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 2,662 |
| Cost of funding earning assets | 0.4862% | 2,197 |
| Net interest margin | 3.6102% | 2,852 |
| Noninterest income to average assets | 0.7722% | 1,657 |
| Noninterest expense to average assets | 3.8018% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1212% | 5,488 |
| Return on assets (ROA) | 0.1212% | 5,495 |
| Pretax return on assets | 0.2004% | 5,435 |
| Return on Equity (ROE) | 1.6850% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.6850% | 4,435 |
| Net charge-offs to loans | -0.0147% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9922% | 345 |
| Assets per employee ($millions) | 3.6599% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,187 |
| Loan loss allowance to noncurrent loans | 183.4043% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 2,868 |
| Noncurrent loans to loans | 0.7495% | 2,617 |
| Net loans and leases to total assets | 72.4185% | 2,014 |
| Net loans and leases to deposits | 80.7169% | 2,650 |
| Net loans and leases to core deposits | 84.2867% | 2,871 |
| Total domestic deposits to total assets | 89.7191% | 785 |
| Equity capital to assets | 7.3780% | 5,706 |
| Core capital (leverage) ratio | 7.8349% | 5,616 |
| Tier 1 risk-based capital ratio | 10.6713% | 5,471 |
| Total risk-based capital ratio | 11.9229% | 5,389 |
| Memoranda: | ||
| Average total assets | $257,457,000 | 2,481 |
| Average earning assets | $230,346,000 | 2,548 |
| Average equity | $18,516,500 | 3,343 |
| Average total loans | $191,083,500 | 2,262 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 2,659 |
| Cost of funding earning assets | 0.4243% | 2,766 |
| Net interest margin | 3.7255% | 2,594 |
| Noninterest income to average assets | 0.4631% | 3,462 |
| Noninterest expense to average assets | 4.0134% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0797% | 5,584 |
| Return on assets (ROA) | 0.0797% | 5,609 |
| Pretax return on assets | -0.2598% | 5,729 |
| Return on Equity (ROE) | 0.8367% | 5,588 |
| Retained earnings to average equity (ytd only) | 0.8367% | 4,990 |
| Net charge-offs to loans | -0.0146% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9220% | 150 |
| Assets per employee ($millions) | 3.7417% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,384 |
| Loan loss allowance to noncurrent loans | 201.3271% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 3,166 |
| Noncurrent loans to loans | 0.6601% | 2,875 |
| Net loans and leases to total assets | 72.0732% | 2,156 |
| Net loans and leases to deposits | 82.1542% | 2,653 |
| Net loans and leases to core deposits | 85.6387% | 2,875 |
| Total domestic deposits to total assets | 87.7291% | 1,778 |
| Equity capital to assets | 9.4376% | 4,341 |
| Core capital (leverage) ratio | 7.9970% | 5,623 |
| Tier 1 risk-based capital ratio | 10.4248% | 5,603 |
| Total risk-based capital ratio | 11.6929% | 5,542 |
| Memoranda: | ||
| Average total assets | $263,640,200 | 2,404 |
| Average earning assets | $232,855,200 | 2,491 |
| Average equity | $25,098,200 | 2,712 |
| Average total loans | $184,952,000 | 2,262 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,031 |
| Cost of funding earning assets | 0.4188% | 2,848 |
| Net interest margin | 3.6332% | 2,953 |
| Noninterest income to average assets | 0.4008% | 3,917 |
| Noninterest expense to average assets | 4.0313% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2402% | 5,809 |
| Return on assets (ROA) | -0.2402% | 5,818 |
| Pretax return on assets | -0.3998% | 5,838 |
| Return on Equity (ROE) | -2.5174% | 5,824 |
| Retained earnings to average equity (ytd only) | -2.5174% | 5,630 |
| Net charge-offs to loans | -0.0139% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0088% | 114 |
| Assets per employee ($millions) | 3.6545% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,411 |
| Loan loss allowance to noncurrent loans | 81.8790% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.3207% | 1,446 |
| Noncurrent loans to loans | 1.6558% | 1,288 |
| Net loans and leases to total assets | 75.2755% | 1,656 |
| Net loans and leases to deposits | 86.5499% | 2,203 |
| Net loans and leases to core deposits | 90.7403% | 2,505 |
| Total domestic deposits to total assets | 86.9736% | 1,912 |
| Equity capital to assets | 10.0554% | 4,083 |
| Core capital (leverage) ratio | 8.1678% | 5,593 |
| Tier 1 risk-based capital ratio | 10.8410% | 5,462 |
| Total risk-based capital ratio | 12.1069% | 5,358 |
| Memoranda: | ||
| Average total assets | $263,134,750 | 2,413 |
| Average earning assets | $233,983,500 | 2,489 |
| Average equity | $25,104,750 | 2,724 |
| Average total loans | $182,677,500 | 2,288 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 3,444 |
| Cost of funding earning assets | 0.4082% | 2,954 |
| Net interest margin | 3.5378% | 3,338 |
| Noninterest income to average assets | 0.3948% | 3,910 |
| Noninterest expense to average assets | 4.0140% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2910% | 5,873 |
| Return on assets (ROA) | -0.2910% | 5,887 |
| Pretax return on assets | -0.4828% | 5,919 |
| Return on Equity (ROE) | -3.1022% | 5,903 |
| Retained earnings to average equity (ytd only) | -3.1022% | 5,646 |
| Net charge-offs to loans | -0.1752% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6729% | 120 |
| Assets per employee ($millions) | 3.7429% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 2,162 |
| Loan loss allowance to noncurrent loans | 83.8750% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3450% | 1,485 |
| Noncurrent loans to loans | 1.7048% | 1,243 |
| Net loans and leases to total assets | 74.4964% | 1,729 |
| Net loans and leases to deposits | 85.5939% | 2,298 |
| Net loans and leases to core deposits | 89.6952% | 2,564 |
| Total domestic deposits to total assets | 87.0346% | 1,899 |
| Equity capital to assets | 10.0233% | 4,199 |
| Core capital (leverage) ratio | 7.8471% | 5,806 |
| Tier 1 risk-based capital ratio | 10.9347% | 5,456 |
| Total risk-based capital ratio | 12.2011% | 5,372 |
| Memoranda: | ||
| Average total assets | $268,012,000 | 2,404 |
| Average earning assets | $237,602,330 | 2,475 |
| Average equity | $25,143,670 | 2,726 |
| Average total loans | $180,359,000 | 2,310 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,211 |
| Cost of funding earning assets | 0.3884% | 3,209 |
| Net interest margin | 3.3417% | 4,074 |
| Noninterest income to average assets | 0.3788% | 3,999 |
| Noninterest expense to average assets | 3.7798% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2877% | 5,910 |
| Return on assets (ROA) | -0.2877% | 5,917 |
| Pretax return on assets | -0.4772% | 5,957 |
| Return on Equity (ROE) | -3.1653% | 5,944 |
| Retained earnings to average equity (ytd only) | -3.1653% | 5,487 |
| Net charge-offs to loans | 0.0842% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -8.9189% | 3,056 |
| Efficiency ratio | 114.4483% | 131 |
| Assets per employee ($millions) | 4.0925% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,716 |
| Loan loss allowance to noncurrent loans | 70.8451% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.3642% | 1,552 |
| Noncurrent loans to loans | 1.8892% | 1,165 |
| Net loans and leases to total assets | 69.6922% | 2,392 |
| Net loans and leases to deposits | 79.4143% | 2,871 |
| Net loans and leases to core deposits | 83.0776% | 3,032 |
| Total domestic deposits to total assets | 87.7578% | 1,775 |
| Equity capital to assets | 9.4769% | 4,685 |
| Core capital (leverage) ratio | 7.9107% | 5,808 |
| Tier 1 risk-based capital ratio | 10.6712% | 5,673 |
| Total risk-based capital ratio | 11.9335% | 5,582 |
| Memoranda: | ||
| Average total assets | $276,630,000 | 2,333 |
| Average earning assets | $242,031,000 | 2,449 |
| Average equity | $25,147,500 | 2,734 |
| Average total loans | $175,774,000 | 2,357 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,386 |
| Cost of funding earning assets | 0.3809% | 3,356 |
| Net interest margin | 3.8698% | 2,135 |
| Noninterest income to average assets | 0.6805% | 2,288 |
| Noninterest expense to average assets | 4.2091% | 533 |
| Loan and lease loss provision to assets | 0.1741% | 1,307 |
| Net operating income to assets | -0.1988% | 5,965 |
| Return on assets (ROA) | -0.1988% | 5,976 |
| Pretax return on assets | -0.3762% | 6,008 |
| Return on Equity (ROE) | -1.9204% | 5,977 |
| Retained earnings to average equity (ytd only) | -1.9204% | 5,743 |
| Net charge-offs to loans | 0.4195% | 678 |
| Credit loss provision to net charge-offs | 64.1256% | 3,208 |
| Earnings coverage of net charge-offs (x) | -0.7444% | 4,320 |
| Efficiency ratio | 101.2962% | 260 |
| Assets per employee ($millions) | 4.4192% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,764 |
| Loan loss allowance to noncurrent loans | 76.8443% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 1,838 |
| Noncurrent loans to loans | 2.0294% | 1,020 |
| Net loans and leases to total assets | 56.0809% | 4,294 |
| Net loans and leases to deposits | 63.2435% | 4,527 |
| Net loans and leases to core deposits | 65.9775% | 4,594 |
| Total domestic deposits to total assets | 88.6745% | 1,295 |
| Equity capital to assets | 8.7329% | 5,358 |
| Core capital (leverage) ratio | 8.4822% | 5,453 |
| Tier 1 risk-based capital ratio | 11.8373% | 5,049 |
| Total risk-based capital ratio | 13.1099% | 4,951 |
| Memoranda: | ||
| Average total assets | $246,439,800 | 2,533 |
| Average earning assets | $211,845,600 | 2,660 |
| Average equity | $25,515,400 | 2,652 |
| Average total loans | $159,468,000 | 2,481 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 1,973 |
| Cost of funding earning assets | 0.3860% | 3,383 |
| Net interest margin | 3.9979% | 1,713 |
| Noninterest income to average assets | 0.7907% | 1,836 |
| Noninterest expense to average assets | 4.1403% | 568 |
| Loan and lease loss provision to assets | 0.2128% | 905 |
| Net operating income to assets | -0.0705% | 5,985 |
| Return on assets (ROA) | -0.0705% | 6,008 |
| Pretax return on assets | -0.1191% | 6,021 |
| Return on Equity (ROE) | -0.6504% | 6,006 |
| Retained earnings to average equity (ytd only) | -0.6504% | 5,708 |
| Net charge-offs to loans | 0.5782% | 392 |
| Credit loss provision to net charge-offs | 54.8763% | 2,978 |
| Earnings coverage of net charge-offs (x) | 0.2416% | 3,972 |
| Efficiency ratio | 97.7873% | 361 |
| Assets per employee ($millions) | 3.8765% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,992 |
| Loan loss allowance to noncurrent loans | 72.9142% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 1,556 |
| Noncurrent loans to loans | 2.1161% | 1,066 |
| Net loans and leases to total assets | 65.8983% | 3,030 |
| Net loans and leases to deposits | 76.4112% | 3,257 |
| Net loans and leases to core deposits | 79.8164% | 3,441 |
| Total domestic deposits to total assets | 86.2417% | 2,419 |
| Equity capital to assets | 10.6756% | 3,387 |
| Core capital (leverage) ratio | 8.9369% | 5,072 |
| Tier 1 risk-based capital ratio | 12.4774% | 4,773 |
| Total risk-based capital ratio | 13.7490% | 4,658 |
| Memoranda: | ||
| Average total assets | $236,238,250 | 2,627 |
| Average earning assets | $203,469,500 | 2,761 |
| Average equity | $25,623,000 | 2,664 |
| Average total loans | $158,424,500 | 2,499 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 1,707 |
| Cost of funding earning assets | 0.3762% | 3,539 |
| Net interest margin | 4.0654% | 1,460 |
| Noninterest income to average assets | 0.8737% | 1,530 |
| Noninterest expense to average assets | 4.0244% | 659 |
| Loan and lease loss provision to assets | 0.3210% | 445 |
| Net operating income to assets | 0.0060% | 5,983 |
| Return on assets (ROA) | 0.0060% | 6,019 |
| Pretax return on assets | 0.0068% | 6,009 |
| Return on Equity (ROE) | 0.0547% | 6,021 |
| Retained earnings to average equity (ytd only) | 0.0547% | 5,485 |
| Net charge-offs to loans | 0.5850% | 414 |
| Credit loss provision to net charge-offs | 81.7787% | 2,307 |
| Earnings coverage of net charge-offs (x) | 0.8351% | 3,612 |
| Efficiency ratio | 92.4672% | 615 |
| Assets per employee ($millions) | 3.8463% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,827 |
| Loan loss allowance to noncurrent loans | 71.1321% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 1,470 |
| Noncurrent loans to loans | 2.2860% | 1,035 |
| Net loans and leases to total assets | 68.6985% | 2,536 |
| Net loans and leases to deposits | 79.7160% | 2,828 |
| Net loans and leases to core deposits | 83.4935% | 3,030 |
| Total domestic deposits to total assets | 86.1790% | 2,592 |
| Equity capital to assets | 10.6944% | 3,219 |
| Core capital (leverage) ratio | 9.1310% | 4,773 |
| Tier 1 risk-based capital ratio | 12.0800% | 5,091 |
| Total risk-based capital ratio | 13.3518% | 4,972 |
| Memoranda: | ||
| Average total assets | $234,870,000 | 2,662 |
| Average earning assets | $200,966,670 | 2,806 |
| Average equity | $25,611,330 | 2,677 |
| Average total loans | $157,611,330 | 2,513 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 1,480 |
| Cost of funding earning assets | 0.3619% | 3,728 |
| Net interest margin | 4.1326% | 1,201 |
| Noninterest income to average assets | 1.0967% | 940 |
| Noninterest expense to average assets | 4.2065% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2403% | 5,588 |
| Return on assets (ROA) | 0.2403% | 5,678 |
| Pretax return on assets | 0.3982% | 5,438 |
| Return on Equity (ROE) | 2.1819% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.1819% | 4,592 |
| Net charge-offs to loans | -0.5276% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3530% | 756 |
| Assets per employee ($millions) | 3.6127% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 1,161 |
| Loan loss allowance to noncurrent loans | 66.5481% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.9839% | 1,197 |
| Noncurrent loans to loans | 2.9437% | 754 |
| Net loans and leases to total assets | 64.8069% | 2,973 |
| Net loans and leases to deposits | 75.6913% | 3,089 |
| Net loans and leases to core deposits | 79.2725% | 3,255 |
| Total domestic deposits to total assets | 85.6200% | 3,127 |
| Equity capital to assets | 11.1829% | 2,773 |
| Core capital (leverage) ratio | 8.6564% | 5,369 |
| Tier 1 risk-based capital ratio | 11.9826% | 5,249 |
| Total risk-based capital ratio | 13.2397% | 5,142 |
| Memoranda: | ||
| Average total assets | $233,069,500 | 2,695 |
| Average earning assets | $197,843,000 | 2,859 |
| Average equity | $25,665,500 | 2,691 |
| Average total loans | $153,150,000 | 2,579 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,482 |
| Cost of funding earning assets | 0.3751% | 3,973 |
| Net interest margin | 4.2516% | 1,162 |
| Noninterest income to average assets | 0.6497% | 2,551 |
| Noninterest expense to average assets | 4.1675% | 623 |
| Loan and lease loss provision to assets | 1.0054% | 109 |
| Net operating income to assets | -0.5258% | 6,301 |
| Return on assets (ROA) | -0.5258% | 6,301 |
| Pretax return on assets | -0.9170% | 6,354 |
| Return on Equity (ROE) | -4.9909% | 6,288 |
| Retained earnings to average equity (ytd only) | -4.9909% | 6,178 |
| Net charge-offs to loans | 1.5990% | 145 |
| Credit loss provision to net charge-offs | 98.2878% | 2,462 |
| Earnings coverage of net charge-offs (x) | 0.0864% | 4,698 |
| Efficiency ratio | 97.9228% | 425 |
| Assets per employee ($millions) | 3.7892% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 1,491 |
| Loan loss allowance to noncurrent loans | 69.9925% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 1,530 |
| Noncurrent loans to loans | 2.5993% | 959 |
| Net loans and leases to total assets | 64.1360% | 3,207 |
| Net loans and leases to deposits | 74.5955% | 3,363 |
| Net loans and leases to core deposits | 77.3552% | 3,581 |
| Total domestic deposits to total assets | 85.9783% | 2,855 |
| Equity capital to assets | 10.8437% | 3,065 |
| Core capital (leverage) ratio | 8.6868% | 5,359 |
| Tier 1 risk-based capital ratio | 11.8921% | 5,431 |
| Total risk-based capital ratio | 13.1478% | 5,338 |
| Memoranda: | ||
| Average total assets | $239,809,000 | 2,616 |
| Average earning assets | $203,406,200 | 2,766 |
| Average equity | $25,265,800 | 2,635 |
| Average total loans | $153,409,400 | 2,523 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 1,660 |
| Cost of funding earning assets | 0.3826% | 3,986 |
| Net interest margin | 4.1819% | 1,345 |
| Noninterest income to average assets | 0.6920% | 2,370 |
| Noninterest expense to average assets | 4.2472% | 587 |
| Loan and lease loss provision to assets | 1.0709% | 104 |
| Net operating income to assets | -0.6395% | 6,404 |
| Return on assets (ROA) | -0.6395% | 6,404 |
| Pretax return on assets | -1.0588% | 6,457 |
| Return on Equity (ROE) | -6.1130% | 6,386 |
| Retained earnings to average equity (ytd only) | -6.1130% | 6,293 |
| Net charge-offs to loans | 1.7975% | 120 |
| Credit loss provision to net charge-offs | 93.6170% | 2,362 |
| Earnings coverage of net charge-offs (x) | 0.0106% | 4,448 |
| Efficiency ratio | 99.7143% | 377 |
| Assets per employee ($millions) | 3.4863% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 1,771 |
| Loan loss allowance to noncurrent loans | 113.8643% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9834% | 1,453 |
| Noncurrent loans to loans | 1.5533% | 2,088 |
| Net loans and leases to total assets | 64.2470% | 3,144 |
| Net loans and leases to deposits | 74.7450% | 3,335 |
| Net loans and leases to core deposits | 78.3181% | 3,511 |
| Total domestic deposits to total assets | 85.9549% | 2,865 |
| Equity capital to assets | 10.8565% | 3,117 |
| Core capital (leverage) ratio | 8.0844% | 6,012 |
| Tier 1 risk-based capital ratio | 11.5560% | 5,762 |
| Total risk-based capital ratio | 12.8108% | 5,684 |
| Memoranda: | ||
| Average total assets | $241,029,000 | 2,619 |
| Average earning assets | $205,611,500 | 2,768 |
| Average equity | $25,213,500 | 2,650 |
| Average total loans | $153,395,250 | 2,523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 1,994 |
| Cost of funding earning assets | 0.3879% | 4,020 |
| Net interest margin | 4.0624% | 1,631 |
| Noninterest income to average assets | 0.4887% | 3,563 |
| Noninterest expense to average assets | 4.1271% | 652 |
| Loan and lease loss provision to assets | 1.4480% | 61 |
| Net operating income to assets | -0.9839% | 6,524 |
| Return on assets (ROA) | -0.9839% | 6,522 |
| Pretax return on assets | -1.6287% | 6,571 |
| Return on Equity (ROE) | -9.5212% | 6,509 |
| Retained earnings to average equity (ytd only) | -9.5212% | 6,408 |
| Net charge-offs to loans | 2.6809% | 73 |
| Credit loss provision to net charge-offs | 85.6241% | 2,253 |
| Earnings coverage of net charge-offs (x) | -0.1068% | 4,140 |
| Efficiency ratio | 104.5786% | 312 |
| Assets per employee ($millions) | 3.6251% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 2,206 |
| Loan loss allowance to noncurrent loans | 72.3077% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.4629% | 1,159 |
| Noncurrent loans to loans | 2.3171% | 1,397 |
| Net loans and leases to total assets | 61.3233% | 3,519 |
| Net loans and leases to deposits | 70.9049% | 3,711 |
| Net loans and leases to core deposits | 74.1370% | 3,823 |
| Total domestic deposits to total assets | 86.4866% | 2,771 |
| Equity capital to assets | 10.4346% | 3,523 |
| Core capital (leverage) ratio | 8.0080% | 6,095 |
| Tier 1 risk-based capital ratio | 11.7691% | 5,653 |
| Total risk-based capital ratio | 13.0234% | 5,591 |
| Memoranda: | ||
| Average total assets | $243,511,000 | 2,603 |
| Average earning assets | $207,269,000 | 2,763 |
| Average equity | $25,165,000 | 2,641 |
| Average total loans | $153,603,000 | 2,523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,004 |
| Cost of funding earning assets | 0.3998% | 3,969 |
| Net interest margin | 4.0366% | 1,640 |
| Noninterest income to average assets | 0.4774% | 3,583 |
| Noninterest expense to average assets | 4.1226% | 660 |
| Loan and lease loss provision to assets | 2.1442% | 33 |
| Net operating income to assets | -1.4371% | 6,625 |
| Return on assets (ROA) | -1.4371% | 6,620 |
| Pretax return on assets | -2.3771% | 6,663 |
| Return on Equity (ROE) | -13.9738% | 6,599 |
| Retained earnings to average equity (ytd only) | -13.9738% | 6,450 |
| Net charge-offs to loans | 4.3217% | 33 |
| Credit loss provision to net charge-offs | 78.2166% | 1,913 |
| Earnings coverage of net charge-offs (x) | -0.0850% | 3,439 |
| Efficiency ratio | 105.9890% | 335 |
| Assets per employee ($millions) | 3.7023% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 2,698 |
| Loan loss allowance to noncurrent loans | 75.6972% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.1776% | 1,527 |
| Noncurrent loans to loans | 2.1155% | 1,735 |
| Net loans and leases to total assets | 62.1128% | 3,222 |
| Net loans and leases to deposits | 71.5588% | 3,399 |
| Net loans and leases to core deposits | 74.8807% | 3,546 |
| Total domestic deposits to total assets | 86.7996% | 2,939 |
| Equity capital to assets | 10.1719% | 3,635 |
| Core capital (leverage) ratio | 8.1226% | 6,018 |
| Tier 1 risk-based capital ratio | 11.4066% | 5,961 |
| Total risk-based capital ratio | 12.6597% | 5,915 |
| Memoranda: | ||
| Average total assets | $243,824,000 | 2,609 |
| Average earning assets | $206,112,000 | 2,787 |
| Average equity | $25,075,500 | 2,636 |
| Average total loans | $154,663,000 | 2,526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 1,070 |
| Cost of funding earning assets | 0.5232% | 3,367 |
| Net interest margin | 4.3924% | 924 |
| Noninterest income to average assets | 0.6140% | 3,003 |
| Noninterest expense to average assets | 3.7294% | 1,240 |
| Loan and lease loss provision to assets | 0.7227% | 314 |
| Net operating income to assets | -0.1160% | 6,317 |
| Return on assets (ROA) | -0.1160% | 6,335 |
| Pretax return on assets | -0.1403% | 6,320 |
| Return on Equity (ROE) | -1.1113% | 6,334 |
| Retained earnings to average equity (ytd only) | -1.1113% | 6,078 |
| Net charge-offs to loans | 1.3675% | 360 |
| Credit loss provision to net charge-offs | 80.5970% | 3,030 |
| Earnings coverage of net charge-offs (x) | 0.6495% | 4,868 |
| Efficiency ratio | 86.4936% | 1,367 |
| Assets per employee ($millions) | 3.7431% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 1,983 |
| Loan loss allowance to noncurrent loans | 51.5929% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.1061% | 1,003 |
| Noncurrent loans to loans | 3.5420% | 873 |
| Net loans and leases to total assets | 62.5773% | 3,280 |
| Net loans and leases to deposits | 72.3364% | 3,480 |
| Net loans and leases to core deposits | 75.9140% | 3,617 |
| Total domestic deposits to total assets | 86.5088% | 2,986 |
| Equity capital to assets | 10.3971% | 3,289 |
| Core capital (leverage) ratio | 8.5944% | 5,551 |
| Tier 1 risk-based capital ratio | 12.1720% | 5,512 |
| Total risk-based capital ratio | 13.4276% | 5,442 |
| Memoranda: | ||
| Average total assets | $246,579,600 | 2,562 |
| Average earning assets | $207,583,800 | 2,749 |
| Average equity | $25,734,800 | 2,568 |
| Average total loans | $161,684,000 | 2,402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 931 |
| Cost of funding earning assets | 0.5556% | 3,208 |
| Net interest margin | 4.4514% | 803 |
| Noninterest income to average assets | 0.4268% | 4,324 |
| Noninterest expense to average assets | 3.6782% | 1,276 |
| Loan and lease loss provision to assets | 0.9604% | 174 |
| Net operating income to assets | -0.2872% | 6,517 |
| Return on assets (ROA) | -0.2872% | 6,531 |
| Pretax return on assets | -0.4683% | 6,585 |
| Return on Equity (ROE) | -2.7497% | 6,509 |
| Retained earnings to average equity (ytd only) | -2.7497% | 6,334 |
| Net charge-offs to loans | 1.8987% | 215 |
| Credit loss provision to net charge-offs | 76.6122% | 2,931 |
| Earnings coverage of net charge-offs (x) | 0.3925% | 4,733 |
| Efficiency ratio | 88.2011% | 1,151 |
| Assets per employee ($millions) | 3.6213% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,599 |
| Loan loss allowance to noncurrent loans | 35.9371% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.1930% | 1,125 |
| Noncurrent loans to loans | 4.7574% | 657 |
| Net loans and leases to total assets | 64.4262% | 2,932 |
| Net loans and leases to deposits | 74.5590% | 3,149 |
| Net loans and leases to core deposits | 79.1678% | 3,214 |
| Total domestic deposits to total assets | 86.4096% | 3,021 |
| Equity capital to assets | 10.4555% | 3,335 |
| Core capital (leverage) ratio | 8.2591% | 6,007 |
| Tier 1 risk-based capital ratio | 11.4913% | 6,064 |
| Total risk-based capital ratio | 12.7459% | 6,024 |
| Memoranda: | ||
| Average total assets | $247,399,750 | 2,568 |
| Average earning assets | $208,051,000 | 2,764 |
| Average equity | $25,844,500 | 2,591 |
| Average total loans | $163,334,000 | 2,389 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 1,036 |
| Cost of funding earning assets | 0.5896% | 3,039 |
| Net interest margin | 4.3380% | 959 |
| Noninterest income to average assets | 0.4129% | 4,424 |
| Noninterest expense to average assets | 3.6981% | 1,250 |
| Loan and lease loss provision to assets | 1.4314% | 97 |
| Net operating income to assets | -0.6538% | 6,682 |
| Return on assets (ROA) | -0.6538% | 6,696 |
| Pretax return on assets | -1.0820% | 6,752 |
| Return on Equity (ROE) | -6.2607% | 6,667 |
| Retained earnings to average equity (ytd only) | -6.2607% | 6,530 |
| Net charge-offs to loans | 2.9302% | 105 |
| Credit loss provision to net charge-offs | 73.8194% | 2,747 |
| Earnings coverage of net charge-offs (x) | 0.1802% | 4,488 |
| Efficiency ratio | 91.3673% | 946 |
| Assets per employee ($millions) | 3.5834% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 2,983 |
| Loan loss allowance to noncurrent loans | 28.4740% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 3.8216% | 950 |
| Noncurrent loans to loans | 5.7882% | 515 |
| Net loans and leases to total assets | 63.4996% | 3,006 |
| Net loans and leases to deposits | 73.1991% | 3,263 |
| Net loans and leases to core deposits | 79.9059% | 3,036 |
| Total domestic deposits to total assets | 86.7491% | 2,975 |
| Equity capital to assets | 10.1763% | 3,693 |
| Core capital (leverage) ratio | 7.7242% | 6,357 |
| Tier 1 risk-based capital ratio | 11.2883% | 6,210 |
| Total risk-based capital ratio | 12.5424% | 6,173 |
| Memoranda: | ||
| Average total assets | $248,990,330 | 2,563 |
| Average earning assets | $208,623,330 | 2,762 |
| Average equity | $26,003,330 | 2,586 |
| Average total loans | $164,767,000 | 2,370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 648 |
| Cost of funding earning assets | 0.6139% | 2,977 |
| Net interest margin | 4.5552% | 615 |
| Noninterest income to average assets | 0.4050% | 4,418 |
| Noninterest expense to average assets | 3.7285% | 1,205 |
| Loan and lease loss provision to assets | 2.8528% | 30 |
| Net operating income to assets | -1.4424% | 6,876 |
| Return on assets (ROA) | -1.4424% | 6,881 |
| Pretax return on assets | -2.3869% | 6,931 |
| Return on Equity (ROE) | -13.6389% | 6,854 |
| Retained earnings to average equity (ytd only) | -13.6389% | 6,718 |
| Net charge-offs to loans | 2.8470% | 129 |
| Credit loss provision to net charge-offs | 149.6222% | 1,375 |
| Earnings coverage of net charge-offs (x) | 0.2443% | 3,738 |
| Efficiency ratio | 88.8931% | 1,243 |
| Assets per employee ($millions) | 3.7436% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3661% | 1,305 |
| Loan loss allowance to noncurrent loans | 31.9914% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 4.9645% | 743 |
| Noncurrent loans to loans | 7.3960% | 379 |
| Net loans and leases to total assets | 63.4043% | 2,817 |
| Net loans and leases to deposits | 73.2148% | 3,018 |
| Net loans and leases to core deposits | 79.4588% | 2,871 |
| Total domestic deposits to total assets | 86.6005% | 3,180 |
| Equity capital to assets | 10.3468% | 3,740 |
| Core capital (leverage) ratio | 7.5553% | 6,447 |
| Tier 1 risk-based capital ratio | 11.1617% | 6,336 |
| Total risk-based capital ratio | 12.4246% | 6,309 |
| Memoranda: | ||
| Average total assets | $249,859,500 | 2,582 |
| Average earning assets | $207,850,500 | 2,805 |
| Average equity | $26,424,500 | 2,570 |
| Average total loans | $167,333,000 | 2,350 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 772 |
| Cost of funding earning assets | 0.7475% | 3,105 |
| Net interest margin | 4.6455% | 721 |
| Noninterest income to average assets | 0.6145% | 3,204 |
| Noninterest expense to average assets | 3.9415% | 1,049 |
| Loan and lease loss provision to assets | 0.2094% | 3,051 |
| Net operating income to assets | 0.1365% | 5,921 |
| Return on assets (ROA) | 0.1466% | 6,060 |
| Pretax return on assets | 0.2356% | 5,940 |
| Return on Equity (ROE) | 1.3623% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.3623% | 5,195 |
| Net charge-offs to loans | 1.2856% | 757 |
| Credit loss provision to net charge-offs | 22.7173% | 5,249 |
| Earnings coverage of net charge-offs (x) | 0.4657% | 5,256 |
| Efficiency ratio | 90.1787% | 1,052 |
| Assets per employee ($millions) | 3.6603% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 2,297 |
| Loan loss allowance to noncurrent loans | 21.7490% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 6.2082% | 543 |
| Noncurrent loans to loans | 8.7338% | 311 |
| Net loans and leases to total assets | 67.7055% | 2,237 |
| Net loans and leases to deposits | 78.6996% | 2,440 |
| Net loans and leases to core deposits | 85.7292% | 2,351 |
| Total domestic deposits to total assets | 86.0304% | 3,350 |
| Equity capital to assets | 10.8065% | 3,167 |
| Core capital (leverage) ratio | 8.1748% | 6,024 |
| Tier 1 risk-based capital ratio | 11.4688% | 6,128 |
| Total risk-based capital ratio | 12.7260% | 6,089 |
| Memoranda: | ||
| Average total assets | $248,331,800 | 2,545 |
| Average earning assets | $200,798,600 | 2,839 |
| Average equity | $26,718,600 | 2,506 |
| Average total loans | $178,050,200 | 2,229 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 668 |
| Cost of funding earning assets | 0.7732% | 3,161 |
| Net interest margin | 4.7352% | 624 |
| Noninterest income to average assets | 0.4582% | 4,226 |
| Noninterest expense to average assets | 3.8765% | 1,096 |
| Loan and lease loss provision to assets | 0.1843% | 3,282 |
| Net operating income to assets | 0.1241% | 6,084 |
| Return on assets (ROA) | 0.1375% | 6,203 |
| Pretax return on assets | 0.2315% | 6,081 |
| Return on Equity (ROE) | 1.2796% | 6,196 |
| Retained earnings to average equity (ytd only) | 1.2796% | 5,657 |
| Net charge-offs to loans | 1.3339% | 695 |
| Credit loss provision to net charge-offs | 19.0874% | 4,968 |
| Earnings coverage of net charge-offs (x) | 0.4090% | 5,124 |
| Efficiency ratio | 90.7559% | 984 |
| Assets per employee ($millions) | 3.8166% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 1,975 |
| Loan loss allowance to noncurrent loans | 26.1416% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 5.4661% | 783 |
| Noncurrent loans to loans | 7.9260% | 402 |
| Net loans and leases to total assets | 65.1597% | 2,807 |
| Net loans and leases to deposits | 75.1667% | 3,118 |
| Net loans and leases to core deposits | 81.4177% | 3,033 |
| Total domestic deposits to total assets | 86.6869% | 2,860 |
| Equity capital to assets | 10.3269% | 4,045 |
| Core capital (leverage) ratio | 8.1003% | 6,227 |
| Tier 1 risk-based capital ratio | 11.5653% | 6,188 |
| Total risk-based capital ratio | 12.8248% | 6,163 |
| Memoranda: | ||
| Average total assets | $248,190,500 | 2,571 |
| Average earning assets | $199,859,500 | 2,865 |
| Average equity | $26,674,000 | 2,530 |
| Average total loans | $179,617,750 | 2,235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7227% | 465 |
| Cost of funding earning assets | 0.7665% | 3,473 |
| Net interest margin | 4.9562% | 431 |
| Noninterest income to average assets | 0.4926% | 3,963 |
| Noninterest expense to average assets | 3.9867% | 955 |
| Loan and lease loss provision to assets | 0.1718% | 3,387 |
| Net operating income to assets | 0.2406% | 5,793 |
| Return on assets (ROA) | 0.2406% | 5,979 |
| Pretax return on assets | 0.4083% | 5,693 |
| Return on Equity (ROE) | 2.2079% | 5,982 |
| Retained earnings to average equity (ytd only) | 2.2079% | 5,086 |
| Net charge-offs to loans | 1.2653% | 851 |
| Credit loss provision to net charge-offs | 18.2450% | 4,637 |
| Earnings coverage of net charge-offs (x) | 0.6160% | 4,756 |
| Efficiency ratio | 87.2962% | 1,310 |
| Assets per employee ($millions) | 3.7850% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3463% | 1,508 |
| Loan loss allowance to noncurrent loans | 39.6645% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 4.2639% | 1,172 |
| Noncurrent loans to loans | 5.9153% | 754 |
| Net loans and leases to total assets | 67.1424% | 2,440 |
| Net loans and leases to deposits | 77.7417% | 2,715 |
| Net loans and leases to core deposits | 83.9881% | 2,690 |
| Total domestic deposits to total assets | 86.3660% | 3,154 |
| Equity capital to assets | 10.5685% | 3,604 |
| Core capital (leverage) ratio | 8.3361% | 5,865 |
| Tier 1 risk-based capital ratio | 11.5100% | 6,210 |
| Total risk-based capital ratio | 12.7736% | 6,179 |
| Memoranda: | ||
| Average total assets | $244,411,670 | 2,605 |
| Average earning assets | $200,920,670 | 2,858 |
| Average equity | $26,631,670 | 2,513 |
| Average total loans | $181,928,670 | 2,193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7607% | 461 |
| Cost of funding earning assets | 0.7590% | 3,796 |
| Net interest margin | 5.0017% | 400 |
| Noninterest income to average assets | 0.4653% | 4,185 |
| Noninterest expense to average assets | 4.2799% | 682 |
| Loan and lease loss provision to assets | 0.1001% | 4,092 |
| Net operating income to assets | 0.1985% | 5,993 |
| Return on assets (ROA) | 0.1985% | 6,137 |
| Pretax return on assets | 0.3503% | 5,855 |
| Return on Equity (ROE) | 1.7930% | 6,137 |
| Retained earnings to average equity (ytd only) | 1.7930% | 5,349 |
| Net charge-offs to loans | 2.4812% | 334 |
| Credit loss provision to net charge-offs | 5.2083% | 3,955 |
| Earnings coverage of net charge-offs (x) | 0.2344% | 4,250 |
| Efficiency ratio | 90.4795% | 1,052 |
| Assets per employee ($millions) | 3.4173% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 2,007 |
| Loan loss allowance to noncurrent loans | 48.2843% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.5404% | 1,617 |
| Noncurrent loans to loans | 4.4280% | 1,329 |
| Net loans and leases to total assets | 75.3897% | 873 |
| Net loans and leases to deposits | 88.0121% | 1,161 |
| Net loans and leases to core deposits | 95.7926% | 1,313 |
| Total domestic deposits to total assets | 85.6584% | 3,709 |
| Equity capital to assets | 11.1043% | 2,797 |
| Core capital (leverage) ratio | 8.5257% | 5,555 |
| Tier 1 risk-based capital ratio | 11.0699% | 6,506 |
| Total risk-based capital ratio | 12.3308% | 6,484 |
| Memoranda: | ||
| Average total assets | $239,820,500 | 2,673 |
| Average earning assets | $204,490,500 | 2,840 |
| Average equity | $26,547,000 | 2,517 |
| Average total loans | $185,713,000 | 2,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 1,166 |
| Cost of funding earning assets | 0.7955% | 4,906 |
| Net interest margin | 4.7087% | 741 |
| Noninterest income to average assets | 0.7347% | 2,420 |
| Noninterest expense to average assets | 4.0289% | 1,003 |
| Loan and lease loss provision to assets | 0.6020% | 1,718 |
| Net operating income to assets | 0.1192% | 5,823 |
| Return on assets (ROA) | 0.1192% | 5,943 |
| Pretax return on assets | 0.2020% | 5,783 |
| Return on Equity (ROE) | 1.1815% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.1815% | 5,298 |
| Net charge-offs to loans | 0.9431% | 1,842 |
| Credit loss provision to net charge-offs | 83.1033% | 4,323 |
| Earnings coverage of net charge-offs (x) | 1.1099% | 4,954 |
| Efficiency ratio | 83.3651% | 1,836 |
| Assets per employee ($millions) | 3.3393% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6888% | 1,082 |
| Loan loss allowance to noncurrent loans | 47.7827% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 4.4645% | 1,234 |
| Noncurrent loans to loans | 5.6272% | 929 |
| Net loans and leases to total assets | 75.7449% | 981 |
| Net loans and leases to deposits | 88.3031% | 1,339 |
| Net loans and leases to core deposits | 96.5999% | 1,443 |
| Total domestic deposits to total assets | 85.7783% | 3,444 |
| Equity capital to assets | 11.0349% | 2,948 |
| Core capital (leverage) ratio | 8.2836% | 5,874 |
| Tier 1 risk-based capital ratio | 10.9435% | 6,480 |
| Total risk-based capital ratio | 12.2102% | 6,453 |
| Memoranda: | ||
| Average total assets | $250,019,200 | 2,524 |
| Average earning assets | $217,598,400 | 2,641 |
| Average equity | $25,222,400 | 2,554 |
| Average total loans | $192,023,800 | 2,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 1,440 |
| Cost of funding earning assets | 0.8001% | 5,145 |
| Net interest margin | 4.6255% | 902 |
| Noninterest income to average assets | 0.5319% | 3,638 |
| Noninterest expense to average assets | 3.7545% | 1,388 |
| Loan and lease loss provision to assets | 0.6571% | 1,482 |
| Net operating income to assets | 0.1431% | 5,853 |
| Return on assets (ROA) | 0.1431% | 5,978 |
| Pretax return on assets | 0.1632% | 5,970 |
| Return on Equity (ROE) | 1.4514% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.4514% | 5,418 |
| Net charge-offs to loans | 0.6562% | 2,287 |
| Credit loss provision to net charge-offs | 130.8097% | 2,435 |
| Earnings coverage of net charge-offs (x) | 1.6330% | 4,420 |
| Efficiency ratio | 82.0690% | 1,962 |
| Assets per employee ($millions) | 3.2373% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9160% | 921 |
| Loan loss allowance to noncurrent loans | 45.2689% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.1693% | 1,110 |
| Noncurrent loans to loans | 6.4415% | 827 |
| Net loans and leases to total assets | 76.2006% | 950 |
| Net loans and leases to deposits | 88.2062% | 1,415 |
| Net loans and leases to core deposits | 95.4086% | 1,659 |
| Total domestic deposits to total assets | 86.3891% | 2,991 |
| Equity capital to assets | 10.4962% | 3,708 |
| Core capital (leverage) ratio | 8.2128% | 6,119 |
| Tier 1 risk-based capital ratio | 10.2990% | 6,860 |
| Total risk-based capital ratio | 11.5698% | 6,837 |
| Memoranda: | ||
| Average total assets | $252,417,000 | 2,507 |
| Average earning assets | $220,627,750 | 2,619 |
| Average equity | $24,895,250 | 2,586 |
| Average total loans | $193,243,750 | 2,126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3232% | 1,809 |
| Cost of funding earning assets | 0.7974% | 5,385 |
| Net interest margin | 4.5258% | 1,067 |
| Noninterest income to average assets | 0.6011% | 3,137 |
| Noninterest expense to average assets | 3.7502% | 1,445 |
| Loan and lease loss provision to assets | 0.7071% | 1,336 |
| Net operating income to assets | 0.1241% | 5,951 |
| Return on assets (ROA) | 0.1241% | 6,044 |
| Pretax return on assets | 0.1304% | 6,046 |
| Return on Equity (ROE) | 1.2853% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.2853% | 5,335 |
| Net charge-offs to loans | 0.9861% | 1,595 |
| Credit loss provision to net charge-offs | 94.4386% | 3,324 |
| Earnings coverage of net charge-offs (x) | 1.1186% | 4,436 |
| Efficiency ratio | 81.7434% | 2,138 |
| Assets per employee ($millions) | 3.3496% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7271% | 1,149 |
| Loan loss allowance to noncurrent loans | 49.1443% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 4.5407% | 1,383 |
| Noncurrent loans to loans | 5.5491% | 1,134 |
| Net loans and leases to total assets | 77.0796% | 902 |
| Net loans and leases to deposits | 88.8858% | 1,385 |
| Net loans and leases to core deposits | 97.0700% | 1,574 |
| Total domestic deposits to total assets | 86.7175% | 2,907 |
| Equity capital to assets | 10.1454% | 3,958 |
| Core capital (leverage) ratio | 7.8351% | 6,476 |
| Tier 1 risk-based capital ratio | 9.7139% | 7,052 |
| Total risk-based capital ratio | 10.9815% | 7,048 |
| Memoranda: | ||
| Average total assets | $254,545,670 | 2,501 |
| Average earning assets | $224,227,330 | 2,590 |
| Average equity | $24,585,670 | 2,596 |
| Average total loans | $193,289,000 | 2,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 2,477 |
| Cost of funding earning assets | 0.8046% | 5,555 |
| Net interest margin | 4.3349% | 1,453 |
| Noninterest income to average assets | 0.4731% | 4,093 |
| Noninterest expense to average assets | 3.6601% | 1,630 |
| Loan and lease loss provision to assets | 0.6935% | 1,217 |
| Net operating income to assets | 0.0200% | 6,311 |
| Return on assets (ROA) | 0.0200% | 6,345 |
| Pretax return on assets | -0.0277% | 6,386 |
| Return on Equity (ROE) | 0.2125% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.2125% | 5,730 |
| Net charge-offs to loans | 1.9932% | 639 |
| Credit loss provision to net charge-offs | 46.7775% | 3,824 |
| Earnings coverage of net charge-offs (x) | 0.4491% | 4,284 |
| Efficiency ratio | 84.6099% | 1,883 |
| Assets per employee ($millions) | 3.8508% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5217% | 1,430 |
| Loan loss allowance to noncurrent loans | 50.0674% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 3.7435% | 1,806 |
| Noncurrent loans to loans | 5.0367% | 1,333 |
| Net loans and leases to total assets | 69.1918% | 2,288 |
| Net loans and leases to deposits | 78.5443% | 2,968 |
| Net loans and leases to core deposits | 85.0845% | 3,021 |
| Total domestic deposits to total assets | 88.0927% | 2,320 |
| Equity capital to assets | 9.0489% | 5,125 |
| Core capital (leverage) ratio | 7.8183% | 6,448 |
| Tier 1 risk-based capital ratio | 9.4750% | 7,149 |
| Total risk-based capital ratio | 10.7390% | 7,151 |
| Memoranda: | ||
| Average total assets | $259,556,500 | 2,480 |
| Average earning assets | $230,685,000 | 2,538 |
| Average equity | $24,474,500 | 2,598 |
| Average total loans | $193,052,500 | 2,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 3,006 |
| Cost of funding earning assets | 1.0795% | 5,258 |
| Net interest margin | 4.2450% | 2,016 |
| Noninterest income to average assets | 0.4177% | 4,759 |
| Noninterest expense to average assets | 4.7208% | 538 |
| Loan and lease loss provision to assets | 2.0789% | 621 |
| Net operating income to assets | -1.4392% | 6,894 |
| Return on assets (ROA) | -1.4272% | 6,906 |
| Pretax return on assets | -2.5890% | 7,194 |
| Return on Equity (ROE) | -15.5195% | 6,937 |
| Retained earnings to average equity (ytd only) | -16.2143% | 6,923 |
| Net charge-offs to loans | 1.7628% | 1,205 |
| Credit loss provision to net charge-offs | 163.3561% | 2,125 |
| Earnings coverage of net charge-offs (x) | -0.4156% | 6,415 |
| Efficiency ratio | 93.7541% | 1,073 |
| Assets per employee ($millions) | 3.1994% | 5,669 |
| Cash dividends to net income (ytd only)* | -4.4769% | 7,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7402% | 1,127 |
| Loan loss allowance to noncurrent loans | 54.1717% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 4.1330% | 1,629 |
| Noncurrent loans to loans | 5.0583% | 1,322 |
| Net loans and leases to total assets | 75.9075% | 1,289 |
| Net loans and leases to deposits | 87.2158% | 1,907 |
| Net loans and leases to core deposits | 97.4825% | 1,844 |
| Total domestic deposits to total assets | 87.0341% | 2,798 |
| Equity capital to assets | 9.8403% | 3,954 |
| Core capital (leverage) ratio | 7.3142% | 6,835 |
| Tier 1 risk-based capital ratio | 9.4308% | 7,152 |
| Total risk-based capital ratio | 10.6977% | 7,155 |
| Memoranda: | ||
| Average total assets | $287,982,200 | 2,226 |
| Average earning assets | $256,045,000 | 2,288 |
| Average equity | $26,482,800 | 2,417 |
| Average total loans | $207,913,600 | 2,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 3,334 |
| Cost of funding earning assets | 1.1126% | 5,364 |
| Net interest margin | 4.1919% | 2,246 |
| Noninterest income to average assets | 0.4028% | 4,937 |
| Noninterest expense to average assets | 3.6250% | 1,732 |
| Loan and lease loss provision to assets | 2.2034% | 508 |
| Net operating income to assets | -1.0840% | 6,940 |
| Return on assets (ROA) | -1.0686% | 6,970 |
| Pretax return on assets | -1.6694% | 7,092 |
| Return on Equity (ROE) | -11.7931% | 7,003 |
| Retained earnings to average equity (ytd only) | -12.7029% | 7,002 |
| Net charge-offs to loans | 2.0738% | 895 |
| Credit loss provision to net charge-offs | 149.7108% | 2,604 |
| Earnings coverage of net charge-offs (x) | 0.3464% | 5,679 |
| Efficiency ratio | 87.0192% | 1,529 |
| Assets per employee ($millions) | 3.5242% | 4,915 |
| Cash dividends to net income (ytd only)* | -7.7150% | 7,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3118% | 1,611 |
| Loan loss allowance to noncurrent loans | 70.3816% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 4.2748% | 1,597 |
| Noncurrent loans to loans | 3.2846% | 2,410 |
| Net loans and leases to total assets | 72.3802% | 2,173 |
| Net loans and leases to deposits | 82.9078% | 2,929 |
| Net loans and leases to core deposits | 93.3459% | 2,616 |
| Total domestic deposits to total assets | 87.3021% | 2,370 |
| Equity capital to assets | 9.6757% | 4,577 |
| Core capital (leverage) ratio | 7.6339% | 6,736 |
| Tier 1 risk-based capital ratio | 9.7692% | 7,167 |
| Total risk-based capital ratio | 11.0293% | 7,152 |
| Memoranda: | ||
| Average total assets | $297,589,000 | 2,202 |
| Average earning assets | $264,947,250 | 2,251 |
| Average equity | $26,964,250 | 2,418 |
| Average total loans | $211,200,000 | 2,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 4,130 |
| Cost of funding earning assets | 1.1146% | 5,599 |
| Net interest margin | 4.0476% | 2,802 |
| Noninterest income to average assets | 0.8174% | 2,029 |
| Noninterest expense to average assets | 3.3016% | 2,556 |
| Loan and lease loss provision to assets | 0.7835% | 1,835 |
| Net operating income to assets | 0.2894% | 5,223 |
| Return on assets (ROA) | 0.3180% | 5,274 |
| Pretax return on assets | 0.3904% | 5,258 |
| Return on Equity (ROE) | 3.5808% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.2279% | 4,733 |
| Net charge-offs to loans | 0.0494% | 5,695 |
| Credit loss provision to net charge-offs | 2,264.1509% | 181 |
| Earnings coverage of net charge-offs (x) | 32.9057% | 856 |
| Efficiency ratio | 73.7686% | 3,517 |
| Assets per employee ($millions) | 3.9034% | 3,967 |
| Cash dividends to net income (ytd only)* | 37.7823% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,317 |
| Loan loss allowance to noncurrent loans | 27.3942% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 5.5354% | 1,110 |
| Noncurrent loans to loans | 7.0930% | 794 |
| Net loans and leases to total assets | 69.8814% | 2,931 |
| Net loans and leases to deposits | 79.2632% | 3,745 |
| Net loans and leases to core deposits | 96.6016% | 2,379 |
| Total domestic deposits to total assets | 88.1637% | 1,916 |
| Equity capital to assets | 9.1427% | 5,231 |
| Core capital (leverage) ratio | 7.9297% | 6,353 |
| Tier 1 risk-based capital ratio | 10.2224% | 6,899 |
| Total risk-based capital ratio | 11.4778% | 6,867 |
| Memoranda: | ||
| Average total assets | $306,332,000 | 2,168 |
| Average earning assets | $274,188,000 | 2,204 |
| Average equity | $27,200,330 | 2,398 |
| Average total loans | $214,580,330 | 2,083 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3339% | 3,374 |
| Cost of funding earning assets | 1.1229% | 5,786 |
| Net interest margin | 4.2111% | 1,997 |
| Noninterest income to average assets | 0.5627% | 3,541 |
| Noninterest expense to average assets | 3.3284% | 2,438 |
| Loan and lease loss provision to assets | 0.3234% | 3,474 |
| Net operating income to assets | 0.5206% | 4,287 |
| Return on assets (ROA) | 0.5744% | 4,155 |
| Pretax return on assets | 0.7503% | 4,059 |
| Return on Equity (ROE) | 6.5630% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.8432% | 3,835 |
| Net charge-offs to loans | 0.0223% | 5,261 |
| Credit loss provision to net charge-offs | 2,083.3333% | 244 |
| Earnings coverage of net charge-offs (x) | 64.6667% | 475 |
| Efficiency ratio | 76.2317% | 3,176 |
| Assets per employee ($millions) | 4.1300% | 3,598 |
| Cash dividends to net income (ytd only)* | 41.4414% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,897 |
| Loan loss allowance to noncurrent loans | 39.9484% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 3.0601% | 2,333 |
| Noncurrent loans to loans | 3.7619% | 2,110 |
| Net loans and leases to total assets | 67.9263% | 3,405 |
| Net loans and leases to deposits | 76.4864% | 4,321 |
| Net loans and leases to core deposits | 92.2260% | 3,078 |
| Total domestic deposits to total assets | 88.8083% | 1,613 |
| Equity capital to assets | 8.6886% | 5,748 |
| Core capital (leverage) ratio | 8.0008% | 6,240 |
| Tier 1 risk-based capital ratio | 9.9630% | 7,058 |
| Total risk-based capital ratio | 11.2143% | 7,043 |
| Memoranda: | ||
| Average total assets | $309,219,000 | 2,201 |
| Average earning assets | $276,795,500 | 2,229 |
| Average equity | $27,061,000 | 2,432 |
| Average total loans | $214,772,500 | 2,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 4,827 |
| Cost of funding earning assets | 1.4704% | 5,633 |
| Net interest margin | 3.9016% | 3,261 |
| Noninterest income to average assets | 0.8986% | 1,947 |
| Noninterest expense to average assets | 3.7046% | 1,906 |
| Loan and lease loss provision to assets | 3.5754% | 428 |
| Net operating income to assets | -1.7149% | 6,969 |
| Return on assets (ROA) | -1.6782% | 6,955 |
| Pretax return on assets | -2.8285% | 7,248 |
| Return on Equity (ROE) | -18.7519% | 7,098 |
| Retained earnings to average equity (ytd only) | -21.3287% | 7,155 |
| Net charge-offs to loans | 4.9869% | 264 |
| Credit loss provision to net charge-offs | 98.4362% | 5,659 |
| Earnings coverage of net charge-offs (x) | 0.1898% | 5,956 |
| Efficiency ratio | 83.6907% | 2,391 |
| Assets per employee ($millions) | 3.9553% | 3,907 |
| Cash dividends to net income (ytd only)* | -13.7414% | 7,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 4,150 |
| Loan loss allowance to noncurrent loans | 87.4927% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6838% | 3,841 |
| Noncurrent loans to loans | 1.6172% | 4,226 |
| Net loans and leases to total assets | 68.9754% | 3,499 |
| Net loans and leases to deposits | 77.8791% | 4,401 |
| Net loans and leases to core deposits | 91.8157% | 4,907 |
| Total domestic deposits to total assets | 88.5673% | 1,692 |
| Equity capital to assets | 8.8161% | 5,407 |
| Core capital (leverage) ratio | 7.9982% | 6,199 |
| Tier 1 risk-based capital ratio | 9.8944% | 6,961 |
| Total risk-based capital ratio | 11.1447% | 6,935 |
| Memoranda: | ||
| Average total assets | $294,012,400 | 2,254 |
| Average earning assets | $263,402,200 | 2,297 |
| Average equity | $26,312,000 | 2,505 |
| Average total loans | $214,142,800 | 2,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 4,700 |
| Cost of funding earning assets | 1.5506% | 5,633 |
| Net interest margin | 3.8967% | 3,246 |
| Noninterest income to average assets | 0.6040% | 3,669 |
| Noninterest expense to average assets | 3.5376% | 2,176 |
| Loan and lease loss provision to assets | 4.8101% | 188 |
| Net operating income to assets | -2.7692% | 7,530 |
| Return on assets (ROA) | -2.7190% | 7,524 |
| Pretax return on assets | -4.1718% | 7,712 |
| Return on Equity (ROE) | -30.2644% | 7,615 |
| Retained earnings to average equity (ytd only) | -32.6328% | 7,643 |
| Net charge-offs to loans | 4.8187% | 249 |
| Credit loss provision to net charge-offs | 135.6562% | 3,659 |
| Earnings coverage of net charge-offs (x) | 0.1582% | 5,865 |
| Efficiency ratio | 85.6425% | 2,098 |
| Assets per employee ($millions) | 3.8535% | 4,069 |
| Cash dividends to net income (ytd only)* | -7.8256% | 7,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7800% | 807 |
| Loan loss allowance to noncurrent loans | 79.4999% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 3.3084% | 2,042 |
| Noncurrent loans to loans | 3.4969% | 2,138 |
| Net loans and leases to total assets | 70.9894% | 3,272 |
| Net loans and leases to deposits | 80.4846% | 4,301 |
| Net loans and leases to core deposits | 94.0168% | 5,016 |
| Total domestic deposits to total assets | 88.2024% | 1,560 |
| Equity capital to assets | 8.9854% | 5,498 |
| Core capital (leverage) ratio | 8.2609% | 5,901 |
| Tier 1 risk-based capital ratio | 10.0996% | 6,881 |
| Total risk-based capital ratio | 11.3653% | 6,811 |
| Memoranda: | ||
| Average total assets | $291,376,750 | 2,294 |
| Average earning assets | $261,306,250 | 2,326 |
| Average equity | $26,177,500 | 2,544 |
| Average total loans | $214,407,750 | 2,177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5574% | 4,298 |
| Cost of funding earning assets | 1.6491% | 5,520 |
| Net interest margin | 3.9083% | 3,076 |
| Noninterest income to average assets | 0.6106% | 3,602 |
| Noninterest expense to average assets | 3.5362% | 2,230 |
| Loan and lease loss provision to assets | 0.2922% | 4,232 |
| Net operating income to assets | 0.2662% | 5,027 |
| Return on assets (ROA) | 0.3293% | 4,881 |
| Pretax return on assets | 0.3672% | 5,023 |
| Return on Equity (ROE) | 3.6660% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.5996% | 4,438 |
| Net charge-offs to loans | 0.0326% | 6,000 |
| Credit loss provision to net charge-offs | 1,214.2857% | 407 |
| Earnings coverage of net charge-offs (x) | 24.4857% | 1,153 |
| Efficiency ratio | 85.0500% | 2,350 |
| Assets per employee ($millions) | 3.6579% | 4,437 |
| Cash dividends to net income (ytd only)* | 56.3674% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,628 |
| Loan loss allowance to noncurrent loans | 29.2547% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 4.5256% | 1,234 |
| Noncurrent loans to loans | 5.5608% | 1,039 |
| Net loans and leases to total assets | 74.7465% | 2,508 |
| Net loans and leases to deposits | 84.8167% | 3,752 |
| Net loans and leases to core deposits | 98.4297% | 4,657 |
| Total domestic deposits to total assets | 88.1271% | 1,702 |
| Equity capital to assets | 9.0287% | 5,275 |
| Core capital (leverage) ratio | 7.4721% | 7,057 |
| Tier 1 risk-based capital ratio | 9.8492% | 7,083 |
| Total risk-based capital ratio | 11.1031% | 7,013 |
| Memoranda: | ||
| Average total assets | $290,880,670 | 2,310 |
| Average earning assets | $261,595,330 | 2,337 |
| Average equity | $26,131,670 | 2,548 |
| Average total loans | $214,594,330 | 2,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7256% | 3,665 |
| Cost of funding earning assets | 1.7045% | 5,579 |
| Net interest margin | 4.0210% | 2,571 |
| Noninterest income to average assets | 0.7210% | 2,756 |
| Noninterest expense to average assets | 3.4650% | 2,183 |
| Loan and lease loss provision to assets | 0.2220% | 4,231 |
| Net operating income to assets | 0.5085% | 4,378 |
| Return on assets (ROA) | 0.5085% | 4,565 |
| Pretax return on assets | 0.6456% | 4,604 |
| Return on Equity (ROE) | 5.6745% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.3191% | 4,031 |
| Net charge-offs to loans | 0.1377% | 3,861 |
| Credit loss provision to net charge-offs | 221.9178% | 2,042 |
| Earnings coverage of net charge-offs (x) | 8.6712% | 2,157 |
| Efficiency ratio | 79.3420% | 2,935 |
| Assets per employee ($millions) | 3.7799% | 4,143 |
| Cash dividends to net income (ytd only)* | 41.5094% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 2,793 |
| Loan loss allowance to noncurrent loans | 58.7148% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.1563% | 2,663 |
| Noncurrent loans to loans | 2.6135% | 2,523 |
| Net loans and leases to total assets | 70.2884% | 3,608 |
| Net loans and leases to deposits | 79.3618% | 4,713 |
| Net loans and leases to core deposits | 91.7487% | 5,373 |
| Total domestic deposits to total assets | 88.5671% | 1,447 |
| Equity capital to assets | 8.7947% | 5,633 |
| Core capital (leverage) ratio | 8.0475% | 6,386 |
| Tier 1 risk-based capital ratio | 9.9838% | 6,943 |
| Total risk-based capital ratio | 11.2371% | 6,842 |
| Memoranda: | ||
| Average total assets | $291,832,000 | 2,322 |
| Average earning assets | $262,123,000 | 2,349 |
| Average equity | $26,152,000 | 2,558 |
| Average total loans | $212,105,000 | 2,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3016% | 3,955 |
| Cost of funding earning assets | 1.9957% | 6,427 |
| Net interest margin | 4.3060% | 1,950 |
| Noninterest income to average assets | 0.5274% | 4,407 |
| Noninterest expense to average assets | 3.8224% | 1,712 |
| Loan and lease loss provision to assets | 0.8340% | 1,787 |
| Net operating income to assets | -0.0645% | 6,461 |
| Return on assets (ROA) | -0.0179% | 6,256 |
| Pretax return on assets | -0.1615% | 6,336 |
| Return on Equity (ROE) | -0.1924% | 6,261 |
| Retained earnings to average equity (ytd only) | -3.7388% | 6,269 |
| Net charge-offs to loans | 0.7229% | 1,707 |
| Credit loss provision to net charge-offs | 163.2373% | 3,157 |
| Earnings coverage of net charge-offs (x) | 1.1735% | 5,537 |
| Efficiency ratio | 85.8071% | 1,872 |
| Assets per employee ($millions) | 3.5632% | 4,517 |
| Cash dividends to net income (ytd only)* | -1,843.1373% | 8,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 2,638 |
| Loan loss allowance to noncurrent loans | 38.6400% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 3.1934% | 1,433 |
| Noncurrent loans to loans | 3.9019% | 1,264 |
| Net loans and leases to total assets | 72.9226% | 3,377 |
| Net loans and leases to deposits | 84.6768% | 4,312 |
| Net loans and leases to core deposits | 98.9782% | 4,932 |
| Total domestic deposits to total assets | 86.1187% | 2,349 |
| Equity capital to assets | 9.1358% | 5,172 |
| Core capital (leverage) ratio | 8.2912% | 5,969 |
| Tier 1 risk-based capital ratio | 10.0312% | 6,700 |
| Total risk-based capital ratio | 11.2826% | 6,578 |
| Memoranda: | ||
| Average total assets | $285,367,400 | 2,284 |
| Average earning assets | $258,107,600 | 2,305 |
| Average equity | $26,505,600 | 2,515 |
| Average total loans | $201,681,600 | 2,282 |