Home > The Leaders Bank > Performance and Condition Ratios
The Leaders Bank, Performance and Condition Ratios
| 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 | 3.2321% | 2,596 |
| Cost of funding earning assets | 0.3483% | 1,224 |
| Net interest margin | 2.8838% | 2,896 |
| Noninterest income to average assets | 0.0917% | 4,538 |
| Noninterest expense to average assets | 2.6444% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2463% | 4,248 |
| Return on assets (ROA) | 0.2463% | 4,224 |
| Pretax return on assets | 0.2269% | 4,294 |
| Return on Equity (ROE) | 1.8403% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.8403% | 3,583 |
| Net charge-offs to loans | -0.0017% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0990% | 461 |
| Assets per employee ($millions) | 12.3343% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 857 |
| Loan loss allowance to noncurrent loans | 4,026.4151% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 908 |
| Noncurrent loans to loans | 0.0451% | 3,658 |
| Net loans and leases to total assets | 66.7978% | 1,329 |
| Net loans and leases to deposits | 82.8044% | 954 |
| Net loans and leases to core deposits | 88.6265% | 989 |
| Total domestic deposits to total assets | 80.6694% | 4,228 |
| Equity capital to assets | 13.5160% | 598 |
| Core capital (leverage) ratio | 12.8021% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2211% | 725 |
| Memoranda: | ||
| Average total assets | $349,120,500 | 2,264 |
| Average earning assets | $336,501,000 | 2,204 |
| Average equity | $46,730,500 | 1,829 |
| Average total loans | $240,298,000 | 1,991 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 2,269 |
| Cost of funding earning assets | 0.5369% | 763 |
| Net interest margin | 3.1061% | 2,884 |
| Noninterest income to average assets | 0.1038% | 4,589 |
| Noninterest expense to average assets | 2.3396% | 2,687 |
| Loan and lease loss provision to assets | 0.0418% | 2,216 |
| Net operating income to assets | 0.6726% | 3,692 |
| Return on assets (ROA) | 0.6726% | 3,741 |
| Pretax return on assets | 0.7181% | 3,892 |
| Return on Equity (ROE) | 5.2955% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.2955% | 2,678 |
| Net charge-offs to loans | 0.0090% | 2,240 |
| Credit loss provision to net charge-offs | 652.1739% | 690 |
| Earnings coverage of net charge-offs (x) | 118.4348% | 791 |
| Efficiency ratio | 75.4815% | 1,159 |
| Assets per employee ($millions) | 9.5373% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 968 |
| Loan loss allowance to noncurrent loans | 3,879.0909% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 1,019 |
| Noncurrent loans to loans | 0.0448% | 3,757 |
| Net loans and leases to total assets | 68.3993% | 1,222 |
| Net loans and leases to deposits | 84.5173% | 880 |
| Net loans and leases to core deposits | 90.6867% | 944 |
| Total domestic deposits to total assets | 80.9293% | 4,115 |
| Equity capital to assets | 13.2572% | 835 |
| Core capital (leverage) ratio | 12.4348% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8305% | 782 |
| Memoranda: | ||
| Average total assets | $358,434,400 | 2,156 |
| Average earning assets | $345,711,400 | 2,104 |
| Average equity | $45,529,400 | 1,905 |
| Average total loans | $256,427,400 | 1,895 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4622% | 2,937 |
| Cost of funding earning assets | 0.5833% | 691 |
| Net interest margin | 2.8789% | 3,599 |
| Noninterest income to average assets | 0.1023% | 4,659 |
| Noninterest expense to average assets | 2.3140% | 2,708 |
| Loan and lease loss provision to assets | 0.0556% | 1,872 |
| Net operating income to assets | 0.4606% | 4,276 |
| Return on assets (ROA) | 0.4606% | 4,314 |
| Pretax return on assets | 0.5088% | 4,361 |
| Return on Equity (ROE) | 3.6653% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.6653% | 3,693 |
| Net charge-offs to loans | 0.0283% | 1,487 |
| Credit loss provision to net charge-offs | 272.7273% | 1,048 |
| Earnings coverage of net charge-offs (x) | 27.6909% | 1,568 |
| Efficiency ratio | 80.3939% | 719 |
| Assets per employee ($millions) | 9.6965% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 1,017 |
| Loan loss allowance to noncurrent loans | 650.5376% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 920 |
| Noncurrent loans to loans | 0.2683% | 2,846 |
| Net loans and leases to total assets | 66.4533% | 1,491 |
| Net loans and leases to deposits | 81.7209% | 1,133 |
| Net loans and leases to core deposits | 87.6713% | 1,173 |
| Total domestic deposits to total assets | 81.3173% | 4,049 |
| Equity capital to assets | 12.7443% | 1,074 |
| Core capital (leverage) ratio | 12.1075% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6772% | 864 |
| Memoranda: | ||
| Average total assets | $359,822,750 | 2,174 |
| Average earning assets | $346,976,750 | 2,117 |
| Average equity | $45,216,250 | 1,937 |
| Average total loans | $259,125,500 | 1,914 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 2,757 |
| Cost of funding earning assets | 0.6533% | 560 |
| Net interest margin | 2.9022% | 3,570 |
| Noninterest income to average assets | 0.1011% | 4,686 |
| Noninterest expense to average assets | 2.3205% | 2,698 |
| Loan and lease loss provision to assets | 0.0833% | 1,468 |
| Net operating income to assets | 0.4948% | 4,231 |
| Return on assets (ROA) | 0.4948% | 4,273 |
| Pretax return on assets | 0.4948% | 4,399 |
| Return on Equity (ROE) | 3.9558% | 4,338 |
| Retained earnings to average equity (ytd only) | 3.9558% | 3,531 |
| Net charge-offs to loans | 0.1466% | 559 |
| Credit loss provision to net charge-offs | 77.3196% | 1,497 |
| Earnings coverage of net charge-offs (x) | 5.3660% | 2,000 |
| Efficiency ratio | 80.0575% | 777 |
| Assets per employee ($millions) | 9.7277% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 1,141 |
| Loan loss allowance to noncurrent loans | 614.0930% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 1,042 |
| Noncurrent loans to loans | 0.2706% | 2,968 |
| Net loans and leases to total assets | 67.3454% | 1,532 |
| Net loans and leases to deposits | 82.9536% | 1,129 |
| Net loans and leases to core deposits | 89.4664% | 1,177 |
| Total domestic deposits to total assets | 81.1844% | 4,066 |
| Equity capital to assets | 12.6176% | 1,081 |
| Core capital (leverage) ratio | 11.9503% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7861% | 842 |
| Memoranda: | ||
| Average total assets | $360,173,333 | 2,159 |
| Average earning assets | $347,180,333 | 2,105 |
| Average equity | $45,047,333 | 1,929 |
| Average total loans | $264,617,333 | 1,900 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 2,659 |
| Cost of funding earning assets | 0.7678% | 415 |
| Net interest margin | 2.8257% | 3,699 |
| Noninterest income to average assets | 0.1021% | 4,675 |
| Noninterest expense to average assets | 2.3325% | 2,695 |
| Loan and lease loss provision to assets | 0.0833% | 1,562 |
| Net operating income to assets | 0.4074% | 4,347 |
| Return on assets (ROA) | 0.4074% | 4,374 |
| Pretax return on assets | 0.4074% | 4,473 |
| Return on Equity (ROE) | 3.2721% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.2721% | 3,695 |
| Net charge-offs to loans | 0.2777% | 307 |
| Credit loss provision to net charge-offs | 39.4737% | 1,356 |
| Earnings coverage of net charge-offs (x) | 2.3263% | 1,811 |
| Efficiency ratio | 82.6190% | 666 |
| Assets per employee ($millions) | 9.8716% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,730 |
| Loan loss allowance to noncurrent loans | 585.0291% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 1,167 |
| Noncurrent loans to loans | 0.2502% | 3,202 |
| Net loans and leases to total assets | 74.1969% | 797 |
| Net loans and leases to deposits | 90.9178% | 651 |
| Net loans and leases to core deposits | 98.6545% | 771 |
| Total domestic deposits to total assets | 81.6088% | 3,970 |
| Equity capital to assets | 12.3113% | 1,146 |
| Core capital (leverage) ratio | 11.8265% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4916% | 997 |
| Memoranda: | ||
| Average total assets | $360,297,500 | 2,139 |
| Average earning assets | $346,962,500 | 2,091 |
| Average equity | $44,864,000 | 1,925 |
| Average total loans | $273,681,500 | 1,862 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 2,975 |
| Cost of funding earning assets | 1.2186% | 260 |
| Net interest margin | 2.7015% | 4,371 |
| Noninterest income to average assets | -0.0198% | 4,974 |
| Noninterest expense to average assets | 2.3308% | 3,326 |
| Loan and lease loss provision to assets | 0.0839% | 3,333 |
| Net operating income to assets | 0.1652% | 4,612 |
| Return on assets (ROA) | 0.1652% | 4,663 |
| Pretax return on assets | 0.1652% | 4,669 |
| Return on Equity (ROE) | 1.3288% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.3288% | 4,101 |
| Net charge-offs to loans | 0.0118% | 2,902 |
| Credit loss provision to net charge-offs | 937.5000% | 816 |
| Earnings coverage of net charge-offs (x) | 27.8438% | 1,670 |
| Efficiency ratio | 90.3456% | 368 |
| Assets per employee ($millions) | 9.6039% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,515 |
| Loan loss allowance to noncurrent loans | 452.4590% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 1,165 |
| Noncurrent loans to loans | 0.3360% | 3,001 |
| Net loans and leases to total assets | 75.4743% | 847 |
| Net loans and leases to deposits | 93.4497% | 693 |
| Net loans and leases to core deposits | 103.8075% | 735 |
| Total domestic deposits to total assets | 80.7646% | 3,916 |
| Equity capital to assets | 12.5965% | 1,273 |
| Core capital (leverage) ratio | 11.6893% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1090% | 1,037 |
| Memoranda: | ||
| Average total assets | $357,725,200 | 2,012 |
| Average earning assets | $344,249,200 | 1,960 |
| Average equity | $44,477,200 | 1,864 |
| Average total loans | $271,758,200 | 1,819 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 3,162 |
| Cost of funding earning assets | 1.2978% | 246 |
| Net interest margin | 2.6335% | 4,542 |
| Noninterest income to average assets | 0.0986% | 4,763 |
| Noninterest expense to average assets | 2.3453% | 3,298 |
| Loan and lease loss provision to assets | 0.0837% | 3,267 |
| Net operating income to assets | 0.2035% | 4,588 |
| Return on assets (ROA) | 0.2035% | 4,629 |
| Pretax return on assets | 0.2035% | 4,656 |
| Return on Equity (ROE) | 1.6424% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.6424% | 4,043 |
| Net charge-offs to loans | 0.0113% | 2,701 |
| Credit loss provision to net charge-offs | 978.2609% | 840 |
| Earnings coverage of net charge-offs (x) | 33.5652% | 1,498 |
| Efficiency ratio | 89.0883% | 386 |
| Assets per employee ($millions) | 9.5191% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,536 |
| Loan loss allowance to noncurrent loans | 392.4855% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 1,114 |
| Noncurrent loans to loans | 0.3694% | 2,961 |
| Net loans and leases to total assets | 76.5643% | 1,025 |
| Net loans and leases to deposits | 94.5697% | 874 |
| Net loans and leases to core deposits | 105.7828% | 853 |
| Total domestic deposits to total assets | 80.9607% | 3,673 |
| Equity capital to assets | 12.3671% | 1,480 |
| Core capital (leverage) ratio | 11.7074% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2574% | 1,013 |
| Memoranda: | ||
| Average total assets | $358,320,250 | 1,985 |
| Average earning assets | $344,779,750 | 1,941 |
| Average equity | $44,406,250 | 1,855 |
| Average total loans | $271,614,250 | 1,809 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,088 |
| Cost of funding earning assets | 1.3788% | 244 |
| Net interest margin | 2.7064% | 4,547 |
| Noninterest income to average assets | 0.0997% | 4,783 |
| Noninterest expense to average assets | 2.3601% | 3,372 |
| Loan and lease loss provision to assets | 0.0840% | 3,228 |
| Net operating income to assets | 0.2592% | 4,492 |
| Return on assets (ROA) | 0.2592% | 4,534 |
| Pretax return on assets | 0.2592% | 4,579 |
| Return on Equity (ROE) | 2.0905% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.0905% | 3,716 |
| Net charge-offs to loans | 0.0164% | 2,406 |
| Credit loss provision to net charge-offs | 681.8182% | 1,017 |
| Earnings coverage of net charge-offs (x) | 27.8636% | 1,480 |
| Efficiency ratio | 87.3032% | 488 |
| Assets per employee ($millions) | 9.4561% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,560 |
| Loan loss allowance to noncurrent loans | 254.1296% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 1,010 |
| Noncurrent loans to loans | 0.5530% | 2,509 |
| Net loans and leases to total assets | 76.0951% | 1,127 |
| Net loans and leases to deposits | 91.2891% | 1,232 |
| Net loans and leases to core deposits | 101.3577% | 1,160 |
| Total domestic deposits to total assets | 83.3562% | 2,971 |
| Equity capital to assets | 12.1252% | 1,589 |
| Core capital (leverage) ratio | 11.5249% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9563% | 1,063 |
| Memoranda: | ||
| Average total assets | $357,185,000 | 1,972 |
| Average earning assets | $343,625,000 | 1,928 |
| Average equity | $44,296,667 | 1,850 |
| Average total loans | $268,476,667 | 1,804 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,921 |
| Cost of funding earning assets | 1.4993% | 271 |
| Net interest margin | 2.8009% | 4,564 |
| Noninterest income to average assets | 0.1218% | 4,750 |
| Noninterest expense to average assets | 2.4645% | 3,379 |
| Loan and lease loss provision to assets | 0.0854% | 2,622 |
| Net operating income to assets | 0.2641% | 4,423 |
| Return on assets (ROA) | 0.2641% | 4,446 |
| Pretax return on assets | 0.2641% | 4,503 |
| Return on Equity (ROE) | 2.1049% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.1049% | 3,406 |
| Net charge-offs to loans | 0.0338% | 1,723 |
| Credit loss provision to net charge-offs | 340.9091% | 1,090 |
| Earnings coverage of net charge-offs (x) | 13.9545% | 1,625 |
| Efficiency ratio | 87.5809% | 604 |
| Assets per employee ($millions) | 8.8932% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 1,272 |
| Loan loss allowance to noncurrent loans | 246.2359% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 1,035 |
| Noncurrent loans to loans | 0.6175% | 2,445 |
| Net loans and leases to total assets | 73.2956% | 1,726 |
| Net loans and leases to deposits | 87.1196% | 1,850 |
| Net loans and leases to core deposits | 97.1094% | 1,708 |
| Total domestic deposits to total assets | 84.1322% | 2,747 |
| Equity capital to assets | 12.8021% | 1,545 |
| Core capital (leverage) ratio | 11.7219% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2447% | 1,289 |
| Memoranda: | ||
| Average total assets | $351,384,000 | 1,955 |
| Average earning assets | $337,748,000 | 1,903 |
| Average equity | $44,087,000 | 1,844 |
| Average total loans | $260,400,500 | 1,806 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 1,523 |
| Cost of funding earning assets | 1.4985% | 395 |
| Net interest margin | 3.4867% | 3,492 |
| Noninterest income to average assets | 0.1609% | 4,689 |
| Noninterest expense to average assets | 2.4348% | 3,606 |
| Loan and lease loss provision to assets | 0.0899% | 2,224 |
| Net operating income to assets | 0.9827% | 2,903 |
| Return on assets (ROA) | 0.9827% | 2,983 |
| Pretax return on assets | 0.9794% | 3,516 |
| Return on Equity (ROE) | 7.7887% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.7887% | 1,045 |
| Net charge-offs to loans | -0.0216% | 4,643 |
| Credit loss provision to net charge-offs | -517.2414% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4853% | 2,249 |
| Assets per employee ($millions) | 9.3667% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,293 |
| Loan loss allowance to noncurrent loans | 334.9481% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 1,186 |
| Noncurrent loans to loans | 0.4401% | 2,869 |
| Net loans and leases to total assets | 72.7073% | 1,969 |
| Net loans and leases to deposits | 86.0368% | 2,081 |
| Net loans and leases to core deposits | 95.1889% | 1,971 |
| Total domestic deposits to total assets | 84.5072% | 2,679 |
| Equity capital to assets | 12.2978% | 1,954 |
| Core capital (leverage) ratio | 11.5140% | 2,101 |
| Tier 1 risk-based capital ratio | 15.5285% | 2,572 |
| Total risk-based capital ratio | 16.7833% | 2,500 |
| Memoranda: | ||
| Average total assets | $333,788,200 | 1,965 |
| Average earning assets | $320,043,800 | 1,921 |
| Average equity | $42,112,400 | 1,850 |
| Average total loans | $268,962,200 | 1,738 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 1,417 |
| Cost of funding earning assets | 1.4484% | 484 |
| Net interest margin | 3.6022% | 3,243 |
| Noninterest income to average assets | 0.1519% | 4,789 |
| Noninterest expense to average assets | 2.4627% | 3,528 |
| Loan and lease loss provision to assets | 0.0914% | 2,084 |
| Net operating income to assets | 1.0540% | 2,771 |
| Return on assets (ROA) | 1.0540% | 2,855 |
| Pretax return on assets | 1.0496% | 3,445 |
| Return on Equity (ROE) | 8.2976% | 3,193 |
| Retained earnings to average equity (ytd only) | 8.2976% | 1,283 |
| Net charge-offs to loans | -0.0010% | 3,999 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3386% | 2,364 |
| Assets per employee ($millions) | 9.0719% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 1,752 |
| Loan loss allowance to noncurrent loans | 542.9608% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 1,386 |
| Noncurrent loans to loans | 0.2491% | 3,649 |
| Net loans and leases to total assets | 81.2769% | 667 |
| Net loans and leases to deposits | 100.0568% | 632 |
| Net loans and leases to core deposits | 112.4982% | 819 |
| Total domestic deposits to total assets | 81.2308% | 3,685 |
| Equity capital to assets | 12.8528% | 1,707 |
| Core capital (leverage) ratio | 11.8759% | 1,943 |
| Tier 1 risk-based capital ratio | 14.4420% | 3,107 |
| Total risk-based capital ratio | 15.6950% | 3,021 |
| Memoranda: | ||
| Average total assets | $328,251,750 | 2,003 |
| Average earning assets | $314,542,000 | 1,951 |
| Average equity | $41,697,500 | 1,866 |
| Average total loans | $270,537,250 | 1,739 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 1,448 |
| Cost of funding earning assets | 1.3564% | 626 |
| Net interest margin | 3.6585% | 3,078 |
| Noninterest income to average assets | 0.1338% | 4,902 |
| Noninterest expense to average assets | 2.5035% | 3,467 |
| Loan and lease loss provision to assets | 0.0921% | 2,011 |
| Net operating income to assets | 1.0504% | 2,721 |
| Return on assets (ROA) | 1.0504% | 2,791 |
| Pretax return on assets | 1.0436% | 3,407 |
| Return on Equity (ROE) | 8.3026% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.3026% | 1,280 |
| Net charge-offs to loans | 0.0082% | 2,847 |
| Credit loss provision to net charge-offs | 1,363.6364% | 264 |
| Earnings coverage of net charge-offs (x) | 168.1818% | 451 |
| Efficiency ratio | 68.7922% | 2,403 |
| Assets per employee ($millions) | 9.1987% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,979 |
| Loan loss allowance to noncurrent loans | 304.9249% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 1,222 |
| Noncurrent loans to loans | 0.4292% | 2,993 |
| Net loans and leases to total assets | 80.9454% | 738 |
| Net loans and leases to deposits | 99.2703% | 733 |
| Net loans and leases to core deposits | 110.9201% | 924 |
| Total domestic deposits to total assets | 81.5403% | 3,653 |
| Equity capital to assets | 12.4012% | 1,912 |
| Core capital (leverage) ratio | 11.8546% | 1,911 |
| Tier 1 risk-based capital ratio | 13.9935% | 3,322 |
| Total risk-based capital ratio | 15.2461% | 3,235 |
| Memoranda: | ||
| Average total assets | $325,782,000 | 2,019 |
| Average earning assets | $312,151,000 | 1,970 |
| Average equity | $41,216,000 | 1,884 |
| Average total loans | $268,531,000 | 1,758 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 1,339 |
| Cost of funding earning assets | 1.2397% | 795 |
| Net interest margin | 3.7586% | 2,675 |
| Noninterest income to average assets | 0.1432% | 4,876 |
| Noninterest expense to average assets | 2.5545% | 3,355 |
| Loan and lease loss provision to assets | 0.0942% | 1,848 |
| Net operating income to assets | 1.1064% | 2,442 |
| Return on assets (ROA) | 1.1064% | 2,490 |
| Pretax return on assets | 1.0926% | 3,172 |
| Return on Equity (ROE) | 8.6542% | 2,968 |
| Retained earnings to average equity (ytd only) | 8.6542% | 1,431 |
| Net charge-offs to loans | 0.0167% | 2,132 |
| Credit loss provision to net charge-offs | 681.8182% | 491 |
| Earnings coverage of net charge-offs (x) | 85.9091% | 727 |
| Efficiency ratio | 68.2779% | 2,601 |
| Assets per employee ($millions) | 9.0189% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 1,925 |
| Loan loss allowance to noncurrent loans | 316.3572% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 1,191 |
| Noncurrent loans to loans | 0.4230% | 3,076 |
| Net loans and leases to total assets | 81.2564% | 675 |
| Net loans and leases to deposits | 98.4749% | 741 |
| Net loans and leases to core deposits | 108.4718% | 1,028 |
| Total domestic deposits to total assets | 82.5148% | 3,573 |
| Equity capital to assets | 12.6992% | 1,626 |
| Core capital (leverage) ratio | 12.1248% | 1,701 |
| Tier 1 risk-based capital ratio | 14.2535% | 3,217 |
| Total risk-based capital ratio | 15.5066% | 3,146 |
| Memoranda: | ||
| Average total assets | $318,496,500 | 2,069 |
| Average earning assets | $304,904,000 | 2,025 |
| Average equity | $40,720,000 | 1,901 |
| Average total loans | $263,220,000 | 1,790 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 1,516 |
| Cost of funding earning assets | 1.0352% | 652 |
| Net interest margin | 3.7778% | 2,751 |
| Noninterest income to average assets | -0.1653% | 5,380 |
| Noninterest expense to average assets | 2.7848% | 2,735 |
| Loan and lease loss provision to assets | 0.0939% | 2,270 |
| Net operating income to assets | 0.6197% | 4,365 |
| Return on assets (ROA) | 0.6197% | 4,375 |
| Pretax return on assets | 0.5083% | 4,783 |
| Return on Equity (ROE) | 4.9552% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,789 |
| Net charge-offs to loans | 0.0545% | 2,367 |
| Credit loss provision to net charge-offs | 208.3333% | 1,388 |
| Earnings coverage of net charge-offs (x) | 13.3611% | 2,465 |
| Efficiency ratio | 82.2198% | 783 |
| Assets per employee ($millions) | 8.9496% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,807 |
| Loan loss allowance to noncurrent loans | 280.2233% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 773 |
| Noncurrent loans to loans | 0.4841% | 2,824 |
| Net loans and leases to total assets | 81.5753% | 715 |
| Net loans and leases to deposits | 99.9789% | 751 |
| Net loans and leases to core deposits | 111.2018% | 927 |
| Total domestic deposits to total assets | 81.5925% | 3,761 |
| Equity capital to assets | 13.1316% | 1,288 |
| Core capital (leverage) ratio | 12.5340% | 1,437 |
| Tier 1 risk-based capital ratio | 14.5447% | 3,047 |
| Total risk-based capital ratio | 15.7994% | 2,958 |
| Memoranda: | ||
| Average total assets | $319,484,800 | 2,046 |
| Average earning assets | $300,410,600 | 2,021 |
| Average equity | $39,958,000 | 1,863 |
| Average total loans | $264,152,800 | 1,762 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 1,586 |
| Cost of funding earning assets | 1.0081% | 579 |
| Net interest margin | 3.7266% | 2,906 |
| Noninterest income to average assets | -0.2720% | 5,460 |
| Noninterest expense to average assets | 2.8128% | 2,597 |
| Loan and lease loss provision to assets | 0.0934% | 2,109 |
| Net operating income to assets | 0.4668% | 4,825 |
| Return on assets (ROA) | 0.4668% | 4,833 |
| Pretax return on assets | 0.3144% | 5,123 |
| Return on Equity (ROE) | 3.7783% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.7783% | 3,889 |
| Net charge-offs to loans | 0.1723% | 963 |
| Credit loss provision to net charge-offs | 65.5977% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.8630% | 3,212 |
| Efficiency ratio | 87.3372% | 442 |
| Assets per employee ($millions) | 8.4411% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,355 |
| Loan loss allowance to noncurrent loans | 86.7702% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 3.7084% | 146 |
| Noncurrent loans to loans | 1.4438% | 1,140 |
| Net loans and leases to total assets | 81.7679% | 752 |
| Net loans and leases to deposits | 100.2788% | 763 |
| Net loans and leases to core deposits | 111.2801% | 951 |
| Total domestic deposits to total assets | 81.5405% | 3,729 |
| Equity capital to assets | 12.8387% | 1,399 |
| Core capital (leverage) ratio | 12.1057% | 1,720 |
| Tier 1 risk-based capital ratio | 13.9899% | 3,377 |
| Total risk-based capital ratio | 15.1841% | 3,315 |
| Memoranda: | ||
| Average total assets | $321,046,750 | 2,051 |
| Average earning assets | $300,890,000 | 2,028 |
| Average equity | $39,664,250 | 1,877 |
| Average total loans | $265,431,500 | 1,762 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,641 |
| Cost of funding earning assets | 0.9757% | 525 |
| Net interest margin | 3.6753% | 3,024 |
| Noninterest income to average assets | -0.5192% | 5,531 |
| Noninterest expense to average assets | 2.8467% | 2,514 |
| Loan and lease loss provision to assets | 0.0926% | 2,062 |
| Net operating income to assets | 0.2124% | 5,221 |
| Return on assets (ROA) | 0.2124% | 5,214 |
| Pretax return on assets | -0.0142% | 5,342 |
| Return on Equity (ROE) | 1.7409% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.7409% | 4,548 |
| Net charge-offs to loans | 0.2563% | 622 |
| Credit loss provision to net charge-offs | 43.7318% | 2,536 |
| Earnings coverage of net charge-offs (x) | 0.3703% | 3,129 |
| Efficiency ratio | 97.3195% | 200 |
| Assets per employee ($millions) | 8.3580% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,768 |
| Loan loss allowance to noncurrent loans | 92.8697% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 3.5440% | 175 |
| Noncurrent loans to loans | 1.2853% | 1,330 |
| Net loans and leases to total assets | 82.4873% | 655 |
| Net loans and leases to deposits | 100.9662% | 740 |
| Net loans and leases to core deposits | 112.1277% | 877 |
| Total domestic deposits to total assets | 81.6979% | 3,813 |
| Equity capital to assets | 12.4070% | 1,591 |
| Core capital (leverage) ratio | 11.5685% | 2,014 |
| Tier 1 risk-based capital ratio | 13.4576% | 3,640 |
| Total risk-based capital ratio | 14.6043% | 3,625 |
| Memoranda: | ||
| Average total assets | $323,955,000 | 2,041 |
| Average earning assets | $303,590,670 | 2,025 |
| Average equity | $39,519,670 | 1,884 |
| Average total loans | $267,702,330 | 1,746 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,674 |
| Cost of funding earning assets | 0.9295% | 518 |
| Net interest margin | 3.6369% | 3,042 |
| Noninterest income to average assets | 0.0599% | 5,449 |
| Noninterest expense to average assets | 2.8808% | 2,444 |
| Loan and lease loss provision to assets | 0.0917% | 1,979 |
| Net operating income to assets | 0.9379% | 3,119 |
| Return on assets (ROA) | 0.9379% | 3,136 |
| Pretax return on assets | 0.4891% | 4,886 |
| Return on Equity (ROE) | 7.7520% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.7520% | 1,939 |
| Net charge-offs to loans | 0.3956% | 392 |
| Credit loss provision to net charge-offs | 28.1955% | 2,083 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 2,519 |
| Efficiency ratio | 83.2215% | 849 |
| Assets per employee ($millions) | 8.5523% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,891 |
| Loan loss allowance to noncurrent loans | 91.0319% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 4.2128% | 144 |
| Noncurrent loans to loans | 1.3032% | 1,371 |
| Net loans and leases to total assets | 81.1711% | 766 |
| Net loans and leases to deposits | 98.9512% | 785 |
| Net loans and leases to core deposits | 116.2311% | 721 |
| Total domestic deposits to total assets | 82.0314% | 3,957 |
| Equity capital to assets | 12.2696% | 1,623 |
| Core capital (leverage) ratio | 11.5020% | 2,011 |
| Tier 1 risk-based capital ratio | 13.3014% | 3,782 |
| Total risk-based capital ratio | 14.4268% | 3,764 |
| Memoranda: | ||
| Average total assets | $327,131,000 | 2,035 |
| Average earning assets | $305,972,000 | 2,019 |
| Average equity | $39,577,000 | 1,888 |
| Average total loans | $268,980,000 | 1,746 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,959 |
| Cost of funding earning assets | 0.7832% | 683 |
| Net interest margin | 3.6419% | 3,017 |
| Noninterest income to average assets | 0.2352% | 4,727 |
| Noninterest expense to average assets | 2.8012% | 2,773 |
| Loan and lease loss provision to assets | 0.5247% | 249 |
| Net operating income to assets | -0.5136% | 5,532 |
| Return on assets (ROA) | -0.5136% | 5,534 |
| Pretax return on assets | 0.2904% | 5,219 |
| Return on Equity (ROE) | -4.0343% | 5,522 |
| Retained earnings to average equity (ytd only) | -4.0343% | 5,400 |
| Net charge-offs to loans | 0.9658% | 191 |
| Credit loss provision to net charge-offs | 66.8502% | 3,134 |
| Earnings coverage of net charge-offs (x) | 1.0385% | 3,936 |
| Efficiency ratio | 77.4601% | 1,428 |
| Assets per employee ($millions) | 8.8993% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,543 |
| Loan loss allowance to noncurrent loans | 88.6484% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 4.2937% | 130 |
| Noncurrent loans to loans | 1.3978% | 1,227 |
| Net loans and leases to total assets | 81.2815% | 783 |
| Net loans and leases to deposits | 98.6306% | 853 |
| Net loans and leases to core deposits | 115.9359% | 724 |
| Total domestic deposits to total assets | 82.4100% | 3,756 |
| Equity capital to assets | 11.9290% | 1,884 |
| Core capital (leverage) ratio | 11.0489% | 2,292 |
| Tier 1 risk-based capital ratio | 12.7973% | 4,038 |
| Total risk-based capital ratio | 13.9688% | 3,975 |
| Memoranda: | ||
| Average total assets | $324,006,800 | 2,043 |
| Average earning assets | $300,802,600 | 2,038 |
| Average equity | $41,246,200 | 1,805 |
| Average total loans | $263,304,600 | 1,746 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,924 |
| Cost of funding earning assets | 0.7399% | 800 |
| Net interest margin | 3.6750% | 2,840 |
| Noninterest income to average assets | 0.0814% | 5,527 |
| Noninterest expense to average assets | 2.7088% | 3,035 |
| Loan and lease loss provision to assets | 0.2169% | 858 |
| Net operating income to assets | 0.5603% | 4,539 |
| Return on assets (ROA) | 0.5603% | 4,575 |
| Pretax return on assets | 0.5603% | 4,909 |
| Return on Equity (ROE) | 4.3317% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.3317% | 3,328 |
| Net charge-offs to loans | 0.7743% | 237 |
| Credit loss provision to net charge-offs | 34.5850% | 3,046 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 3,587 |
| Efficiency ratio | 77.7053% | 1,366 |
| Assets per employee ($millions) | 8.7877% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,055 |
| Loan loss allowance to noncurrent loans | 103.1511% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 4.0308% | 165 |
| Noncurrent loans to loans | 1.1398% | 1,688 |
| Net loans and leases to total assets | 80.7490% | 881 |
| Net loans and leases to deposits | 100.9982% | 679 |
| Net loans and leases to core deposits | 117.9311% | 658 |
| Total domestic deposits to total assets | 79.9509% | 4,326 |
| Equity capital to assets | 12.7002% | 1,543 |
| Core capital (leverage) ratio | 11.8157% | 1,810 |
| Tier 1 risk-based capital ratio | 13.0043% | 4,007 |
| Total risk-based capital ratio | 14.1158% | 4,003 |
| Memoranda: | ||
| Average total assets | $322,690,250 | 2,066 |
| Average earning assets | $298,953,250 | 2,061 |
| Average equity | $41,738,000 | 1,804 |
| Average total loans | $261,381,750 | 1,764 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 1,948 |
| Cost of funding earning assets | 0.7058% | 870 |
| Net interest margin | 3.6529% | 2,830 |
| Noninterest income to average assets | 0.0552% | 5,640 |
| Noninterest expense to average assets | 2.7265% | 2,990 |
| Loan and lease loss provision to assets | 0.0941% | 2,106 |
| Net operating income to assets | 0.6164% | 4,227 |
| Return on assets (ROA) | 0.6164% | 4,272 |
| Pretax return on assets | 0.6164% | 4,769 |
| Return on Equity (ROE) | 4.7358% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.7358% | 2,895 |
| Net charge-offs to loans | 0.2112% | 967 |
| Credit loss provision to net charge-offs | 55.1471% | 2,506 |
| Earnings coverage of net charge-offs (x) | 4.1654% | 2,972 |
| Efficiency ratio | 79.3286% | 1,291 |
| Assets per employee ($millions) | 8.6021% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,500 |
| Loan loss allowance to noncurrent loans | 164.8081% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 3.9235% | 178 |
| Noncurrent loans to loans | 0.9256% | 2,117 |
| Net loans and leases to total assets | 80.5507% | 872 |
| Net loans and leases to deposits | 101.4780% | 639 |
| Net loans and leases to core deposits | 118.5563% | 614 |
| Total domestic deposits to total assets | 79.3774% | 4,537 |
| Equity capital to assets | 12.8573% | 1,440 |
| Core capital (leverage) ratio | 11.9183% | 1,681 |
| Tier 1 risk-based capital ratio | 13.1704% | 3,904 |
| Total risk-based capital ratio | 14.4303% | 3,795 |
| Memoranda: | ||
| Average total assets | $318,943,330 | 2,087 |
| Average earning assets | $295,272,000 | 2,086 |
| Average equity | $41,514,000 | 1,804 |
| Average total loans | $257,557,670 | 1,781 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,075 |
| Cost of funding earning assets | 0.6891% | 883 |
| Net interest margin | 3.5691% | 3,010 |
| Noninterest income to average assets | 0.1308% | 5,463 |
| Noninterest expense to average assets | 2.7939% | 2,814 |
| Loan and lease loss provision to assets | 0.0952% | 1,956 |
| Net operating income to assets | 0.5435% | 4,408 |
| Return on assets (ROA) | 0.5435% | 4,448 |
| Pretax return on assets | 0.5435% | 4,856 |
| Return on Equity (ROE) | 4.1496% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.1496% | 3,384 |
| Net charge-offs to loans | 0.3246% | 573 |
| Credit loss provision to net charge-offs | 36.5854% | 2,083 |
| Earnings coverage of net charge-offs (x) | 2.4537% | 2,588 |
| Efficiency ratio | 81.3910% | 1,218 |
| Assets per employee ($millions) | 8.1586% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 1,372 |
| Loan loss allowance to noncurrent loans | 146.0187% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 4.2748% | 166 |
| Noncurrent loans to loans | 1.0978% | 1,865 |
| Net loans and leases to total assets | 80.5995% | 753 |
| Net loans and leases to deposits | 99.3357% | 660 |
| Net loans and leases to core deposits | 112.5473% | 744 |
| Total domestic deposits to total assets | 81.1385% | 4,386 |
| Equity capital to assets | 13.3794% | 1,116 |
| Core capital (leverage) ratio | 11.8914% | 1,697 |
| Tier 1 risk-based capital ratio | 13.5237% | 3,766 |
| Total risk-based capital ratio | 14.7850% | 3,665 |
| Memoranda: | ||
| Average total assets | $314,975,000 | 2,123 |
| Average earning assets | $291,389,000 | 2,129 |
| Average equity | $41,257,000 | 1,808 |
| Average total loans | $252,645,000 | 1,822 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,377 |
| Cost of funding earning assets | 0.6856% | 881 |
| Net interest margin | 3.5473% | 3,260 |
| Noninterest income to average assets | 0.1548% | 5,437 |
| Noninterest expense to average assets | 2.6093% | 3,649 |
| Loan and lease loss provision to assets | 0.1191% | 2,080 |
| Net operating income to assets | 0.7602% | 3,487 |
| Return on assets (ROA) | 0.7602% | 3,597 |
| Pretax return on assets | 0.7602% | 4,298 |
| Return on Equity (ROE) | 6.3592% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.3592% | 1,523 |
| Net charge-offs to loans | 0.5380% | 446 |
| Credit loss provision to net charge-offs | 28.0112% | 3,610 |
| Earnings coverage of net charge-offs (x) | 2.0679% | 3,891 |
| Efficiency ratio | 74.7952% | 2,165 |
| Assets per employee ($millions) | 8.4190% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 1,195 |
| Loan loss allowance to noncurrent loans | 136.8404% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 4.2307% | 170 |
| Noncurrent loans to loans | 1.2215% | 1,682 |
| Net loans and leases to total assets | 77.2491% | 1,320 |
| Net loans and leases to deposits | 97.7645% | 847 |
| Net loans and leases to core deposits | 108.1709% | 1,012 |
| Total domestic deposits to total assets | 79.0155% | 4,791 |
| Equity capital to assets | 12.8263% | 1,336 |
| Core capital (leverage) ratio | 11.1348% | 2,226 |
| Tier 1 risk-based capital ratio | 13.5429% | 3,745 |
| Total risk-based capital ratio | 14.8072% | 3,643 |
| Memoranda: | ||
| Average total assets | $335,838,200 | 1,971 |
| Average earning assets | $315,623,200 | 1,943 |
| Average equity | $40,146,400 | 1,844 |
| Average total loans | $265,431,600 | 1,701 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 2,355 |
| Cost of funding earning assets | 0.6797% | 905 |
| Net interest margin | 3.5664% | 3,206 |
| Noninterest income to average assets | 0.1640% | 5,447 |
| Noninterest expense to average assets | 2.5252% | 3,907 |
| Loan and lease loss provision to assets | 0.1569% | 1,476 |
| Net operating income to assets | 0.8455% | 3,176 |
| Return on assets (ROA) | 0.8455% | 3,289 |
| Pretax return on assets | 0.8455% | 4,170 |
| Return on Equity (ROE) | 7.1967% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.1967% | 1,532 |
| Net charge-offs to loans | 0.0684% | 2,348 |
| Credit loss provision to net charge-offs | 289.8551% | 1,065 |
| Earnings coverage of net charge-offs (x) | 18.5140% | 1,991 |
| Efficiency ratio | 71.5827% | 2,633 |
| Assets per employee ($millions) | 8.5810% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 631 |
| Loan loss allowance to noncurrent loans | 66.5979% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 4.0322% | 207 |
| Noncurrent loans to loans | 3.1138% | 468 |
| Net loans and leases to total assets | 77.4810% | 1,286 |
| Net loans and leases to deposits | 93.0708% | 1,363 |
| Net loans and leases to core deposits | 102.4444% | 1,449 |
| Total domestic deposits to total assets | 83.2495% | 3,499 |
| Equity capital to assets | 12.2121% | 1,975 |
| Core capital (leverage) ratio | 11.6019% | 1,956 |
| Tier 1 risk-based capital ratio | 13.2957% | 3,980 |
| Total risk-based capital ratio | 14.5605% | 3,884 |
| Memoranda: | ||
| Average total assets | $339,817,250 | 1,953 |
| Average earning assets | $320,504,250 | 1,924 |
| Average equity | $39,924,500 | 1,860 |
| Average total loans | $268,955,000 | 1,679 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,063 |
| Cost of funding earning assets | 0.6802% | 889 |
| Net interest margin | 3.6473% | 2,905 |
| Noninterest income to average assets | 0.1798% | 5,415 |
| Noninterest expense to average assets | 2.5256% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0956% | 1,973 |
| Return on assets (ROA) | 1.0956% | 2,097 |
| Pretax return on assets | 1.0956% | 3,214 |
| Return on Equity (ROE) | 9.4472% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.4472% | 732 |
| Net charge-offs to loans | -0.0229% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7445% | 3,023 |
| Assets per employee ($millions) | 8.2449% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 727 |
| Loan loss allowance to noncurrent loans | 182.3224% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 2.4664% | 568 |
| Noncurrent loans to loans | 1.0991% | 2,091 |
| Net loans and leases to total assets | 77.9947% | 1,209 |
| Net loans and leases to deposits | 98.6341% | 823 |
| Net loans and leases to core deposits | 107.2102% | 1,082 |
| Total domestic deposits to total assets | 79.0748% | 4,768 |
| Equity capital to assets | 12.3171% | 1,895 |
| Core capital (leverage) ratio | 11.3362% | 2,113 |
| Tier 1 risk-based capital ratio | 13.4174% | 3,955 |
| Total risk-based capital ratio | 14.6818% | 3,855 |
| Memoranda: | ||
| Average total assets | $341,536,670 | 1,954 |
| Average earning assets | $322,267,330 | 1,918 |
| Average equity | $39,609,670 | 1,876 |
| Average total loans | $270,344,000 | 1,672 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,049 |
| Cost of funding earning assets | 0.6817% | 884 |
| Net interest margin | 3.6425% | 2,919 |
| Noninterest income to average assets | 0.1600% | 5,532 |
| Noninterest expense to average assets | 2.5008% | 4,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0984% | 1,906 |
| Return on assets (ROA) | 1.0984% | 2,004 |
| Pretax return on assets | 1.0984% | 3,097 |
| Return on Equity (ROE) | 9.7586% | 2,089 |
| Retained earnings to average equity (ytd only) | 9.7586% | 905 |
| Net charge-offs to loans | -0.0233% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4818% | 3,217 |
| Assets per employee ($millions) | 9.0126% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 891 |
| Loan loss allowance to noncurrent loans | 169.6862% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.6262% | 545 |
| Noncurrent loans to loans | 1.1509% | 2,106 |
| Net loans and leases to total assets | 76.8901% | 1,268 |
| Net loans and leases to deposits | 92.8104% | 1,250 |
| Net loans and leases to core deposits | 99.3256% | 1,536 |
| Total domestic deposits to total assets | 82.8464% | 3,951 |
| Equity capital to assets | 11.5760% | 2,372 |
| Core capital (leverage) ratio | 10.5278% | 2,928 |
| Tier 1 risk-based capital ratio | 12.9484% | 4,300 |
| Total risk-based capital ratio | 14.2122% | 4,208 |
| Memoranda: | ||
| Average total assets | $347,408,000 | 1,930 |
| Average earning assets | $328,013,500 | 1,892 |
| Average equity | $39,104,000 | 1,889 |
| Average total loans | $274,275,000 | 1,644 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,137 |
| Cost of funding earning assets | 0.6791% | 917 |
| Net interest margin | 3.6441% | 2,966 |
| Noninterest income to average assets | 0.0483% | 6,015 |
| Noninterest expense to average assets | 2.6629% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 3.0120% | 86 |
| Return on assets (ROA) | 3.0120% | 86 |
| Pretax return on assets | 0.8695% | 3,956 |
| Return on Equity (ROE) | 33.8304% | 41 |
| Retained earnings to average equity (ytd only) | 33.8304% | 23 |
| Net charge-offs to loans | 0.1520% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.8869% | 3,156 |
| Efficiency ratio | 75.3841% | 2,372 |
| Assets per employee ($millions) | 8.5936% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 1,017 |
| Loan loss allowance to noncurrent loans | 134.5253% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 2.6594% | 560 |
| Noncurrent loans to loans | 1.3883% | 1,689 |
| Net loans and leases to total assets | 77.9775% | 1,124 |
| Net loans and leases to deposits | 91.0759% | 1,496 |
| Net loans and leases to core deposits | 98.2267% | 1,653 |
| Total domestic deposits to total assets | 85.6181% | 2,807 |
| Equity capital to assets | 10.9449% | 2,877 |
| Core capital (leverage) ratio | 10.1341% | 3,340 |
| Tier 1 risk-based capital ratio | 12.1824% | 4,834 |
| Total risk-based capital ratio | 13.4479% | 4,729 |
| Memoranda: | ||
| Average total assets | $350,069,800 | 1,867 |
| Average earning assets | $334,709,000 | 1,812 |
| Average equity | $31,167,200 | 2,241 |
| Average total loans | $290,715,800 | 1,502 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,515 |
| Cost of funding earning assets | 0.6720% | 973 |
| Net interest margin | 3.5478% | 3,350 |
| Noninterest income to average assets | 0.1423% | 5,771 |
| Noninterest expense to average assets | 2.6803% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8637% | 3,118 |
| Return on assets (ROA) | 0.8637% | 3,204 |
| Pretax return on assets | 0.8637% | 4,122 |
| Return on Equity (ROE) | 10.2959% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.2959% | 588 |
| Net charge-offs to loans | 0.2468% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.1694% | 3,390 |
| Efficiency ratio | 75.6297% | 2,299 |
| Assets per employee ($millions) | 8.4232% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 1,295 |
| Loan loss allowance to noncurrent loans | 48.9080% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 4.7164% | 219 |
| Noncurrent loans to loans | 3.6551% | 405 |
| Net loans and leases to total assets | 81.5787% | 629 |
| Net loans and leases to deposits | 95.0548% | 1,089 |
| Net loans and leases to core deposits | 102.4707% | 1,342 |
| Total domestic deposits to total assets | 85.8228% | 2,625 |
| Equity capital to assets | 8.8478% | 5,442 |
| Core capital (leverage) ratio | 8.7834% | 5,254 |
| Tier 1 risk-based capital ratio | 10.2291% | 5,968 |
| Total risk-based capital ratio | 11.4850% | 5,911 |
| Memoranda: | ||
| Average total assets | $349,502,500 | 1,885 |
| Average earning assets | $335,111,250 | 1,826 |
| Average equity | $29,318,250 | 2,379 |
| Average total loans | $293,401,250 | 1,501 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 2,548 |
| Cost of funding earning assets | 0.6642% | 1,028 |
| Net interest margin | 3.5331% | 3,365 |
| Noninterest income to average assets | 0.1630% | 5,730 |
| Noninterest expense to average assets | 2.7348% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8088% | 3,334 |
| Return on assets (ROA) | 0.8088% | 3,436 |
| Pretax return on assets | 0.8088% | 4,290 |
| Return on Equity (ROE) | 9.8181% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.8181% | 699 |
| Net charge-offs to loans | 0.2937% | 894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.2696% | 3,212 |
| Efficiency ratio | 77.1755% | 2,176 |
| Assets per employee ($millions) | 8.4863% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 1,449 |
| Loan loss allowance to noncurrent loans | 45.6742% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 5.0980% | 210 |
| Noncurrent loans to loans | 3.8635% | 414 |
| Net loans and leases to total assets | 83.7905% | 387 |
| Net loans and leases to deposits | 96.4358% | 918 |
| Net loans and leases to core deposits | 104.9513% | 1,129 |
| Total domestic deposits to total assets | 86.8873% | 2,227 |
| Equity capital to assets | 8.5231% | 5,667 |
| Core capital (leverage) ratio | 8.4027% | 5,631 |
| Tier 1 risk-based capital ratio | 9.5955% | 6,187 |
| Total risk-based capital ratio | 10.8511% | 6,155 |
| Memoranda: | ||
| Average total assets | $350,886,330 | 1,890 |
| Average earning assets | $335,735,330 | 1,837 |
| Average equity | $28,905,670 | 2,427 |
| Average total loans | $295,581,330 | 1,499 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 2,859 |
| Cost of funding earning assets | 0.6594% | 1,054 |
| Net interest margin | 3.4341% | 3,692 |
| Noninterest income to average assets | 0.1430% | 5,892 |
| Noninterest expense to average assets | 2.7404% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6777% | 3,904 |
| Return on assets (ROA) | 0.6777% | 4,027 |
| Pretax return on assets | 0.6777% | 4,664 |
| Return on Equity (ROE) | 8.3698% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.3698% | 1,426 |
| Net charge-offs to loans | 0.5939% | 411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.3630% | 2,928 |
| Efficiency ratio | 80.1727% | 1,882 |
| Assets per employee ($millions) | 8.3796% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 1,498 |
| Loan loss allowance to noncurrent loans | 40.9372% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 5.5816% | 199 |
| Noncurrent loans to loans | 4.4017% | 362 |
| Net loans and leases to total assets | 81.0304% | 566 |
| Net loans and leases to deposits | 92.6378% | 1,118 |
| Net loans and leases to core deposits | 101.6420% | 1,207 |
| Total domestic deposits to total assets | 87.4701% | 2,125 |
| Equity capital to assets | 8.2252% | 5,921 |
| Core capital (leverage) ratio | 8.1273% | 5,868 |
| Tier 1 risk-based capital ratio | 9.3870% | 6,284 |
| Total risk-based capital ratio | 10.6428% | 6,268 |
| Memoranda: | ||
| Average total assets | $352,361,000 | 1,887 |
| Average earning assets | $336,038,500 | 1,832 |
| Average equity | $28,531,000 | 2,461 |
| Average total loans | $294,984,500 | 1,504 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 3,208 |
| Cost of funding earning assets | 0.6560% | 1,372 |
| Net interest margin | 3.4734% | 3,884 |
| Noninterest income to average assets | 0.0285% | 6,343 |
| Noninterest expense to average assets | 2.8672% | 3,248 |
| Loan and lease loss provision to assets | 0.2819% | 751 |
| Net operating income to assets | 0.1674% | 5,834 |
| Return on assets (ROA) | 0.1674% | 5,885 |
| Pretax return on assets | 0.1674% | 5,918 |
| Return on Equity (ROE) | 2.1526% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.1526% | 4,704 |
| Net charge-offs to loans | 3.2879% | 27 |
| Credit loss provision to net charge-offs | 10.1266% | 4,103 |
| Earnings coverage of net charge-offs (x) | 0.1614% | 4,686 |
| Efficiency ratio | 86.4525% | 1,127 |
| Assets per employee ($millions) | 8.2042% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 1,333 |
| Loan loss allowance to noncurrent loans | 36.2295% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 6.5284% | 170 |
| Noncurrent loans to loans | 5.2254% | 268 |
| Net loans and leases to total assets | 83.3055% | 400 |
| Net loans and leases to deposits | 93.7202% | 1,106 |
| Net loans and leases to core deposits | 102.5022% | 1,206 |
| Total domestic deposits to total assets | 88.8874% | 1,294 |
| Equity capital to assets | 7.9693% | 6,084 |
| Core capital (leverage) ratio | 7.7600% | 6,114 |
| Tier 1 risk-based capital ratio | 9.1660% | 6,396 |
| Total risk-based capital ratio | 10.4237% | 6,377 |
| Memoranda: | ||
| Average total assets | $354,771,200 | 1,839 |
| Average earning assets | $335,838,800 | 1,789 |
| Average equity | $27,594,200 | 2,439 |
| Average total loans | $300,346,200 | 1,426 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 3,276 |
| Cost of funding earning assets | 0.6499% | 1,457 |
| Net interest margin | 3.4749% | 3,922 |
| Noninterest income to average assets | 0.0368% | 6,413 |
| Noninterest expense to average assets | 2.9723% | 2,898 |
| Loan and lease loss provision to assets | 0.3753% | 463 |
| Net operating income to assets | -0.0263% | 6,159 |
| Return on assets (ROA) | -0.0263% | 6,173 |
| Pretax return on assets | -0.0263% | 6,160 |
| Return on Equity (ROE) | -0.3398% | 6,180 |
| Retained earnings to average equity (ytd only) | -0.3398% | 5,855 |
| Net charge-offs to loans | 0.9764% | 319 |
| Credit loss provision to net charge-offs | 45.4339% | 3,191 |
| Earnings coverage of net charge-offs (x) | 0.4225% | 4,392 |
| Efficiency ratio | 89.4915% | 880 |
| Assets per employee ($millions) | 8.2567% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3484% | 119 |
| Loan loss allowance to noncurrent loans | 57.1496% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 8.3399% | 124 |
| Noncurrent loans to loans | 7.6088% | 135 |
| Net loans and leases to total assets | 82.6811% | 441 |
| Net loans and leases to deposits | 92.0444% | 1,225 |
| Net loans and leases to core deposits | 99.9969% | 1,367 |
| Total domestic deposits to total assets | 89.8273% | 810 |
| Equity capital to assets | 7.7090% | 6,244 |
| Core capital (leverage) ratio | 7.6264% | 6,237 |
| Tier 1 risk-based capital ratio | 8.9609% | 6,482 |
| Total risk-based capital ratio | 10.2496% | 6,474 |
| Memoranda: | ||
| Average total assets | $355,269,000 | 1,851 |
| Average earning assets | $335,812,000 | 1,796 |
| Average equity | $27,464,250 | 2,450 |
| Average total loans | $300,543,750 | 1,429 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 3,040 |
| Cost of funding earning assets | 0.6458% | 1,542 |
| Net interest margin | 3.5319% | 3,645 |
| Noninterest income to average assets | 0.0281% | 6,497 |
| Noninterest expense to average assets | 3.1434% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2032% | 5,828 |
| Return on assets (ROA) | 0.2032% | 5,887 |
| Pretax return on assets | 0.2032% | 5,945 |
| Return on Equity (ROE) | 2.6259% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.6259% | 4,531 |
| Net charge-offs to loans | 0.3103% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 3,973 |
| Efficiency ratio | 93.9287% | 644 |
| Assets per employee ($millions) | 8.4149% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5700% | 111 |
| Loan loss allowance to noncurrent loans | 57.0809% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 10.3469% | 95 |
| Noncurrent loans to loans | 8.0063% | 129 |
| Net loans and leases to total assets | 81.2726% | 545 |
| Net loans and leases to deposits | 90.6523% | 1,310 |
| Net loans and leases to core deposits | 98.4447% | 1,411 |
| Total domestic deposits to total assets | 89.6531% | 992 |
| Equity capital to assets | 7.7369% | 6,283 |
| Core capital (leverage) ratio | 7.8233% | 6,199 |
| Tier 1 risk-based capital ratio | 8.9587% | 6,539 |
| Total risk-based capital ratio | 10.2494% | 6,530 |
| Memoranda: | ||
| Average total assets | $355,345,670 | 1,845 |
| Average earning assets | $333,871,000 | 1,804 |
| Average equity | $27,495,670 | 2,439 |
| Average total loans | $298,426,670 | 1,436 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,027 |
| Cost of funding earning assets | 0.6521% | 1,571 |
| Net interest margin | 3.5102% | 3,646 |
| Noninterest income to average assets | 0.0261% | 6,551 |
| Noninterest expense to average assets | 3.5899% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2738% | 6,386 |
| Return on assets (ROA) | -0.2738% | 6,387 |
| Pretax return on assets | -0.2738% | 6,378 |
| Return on Equity (ROE) | -3.5381% | 6,423 |
| Retained earnings to average equity (ytd only) | -3.5381% | 6,015 |
| Net charge-offs to loans | 0.2044% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.6067% | 3,525 |
| Efficiency ratio | 108.2563% | 294 |
| Assets per employee ($millions) | 8.2726% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9729% | 93 |
| Loan loss allowance to noncurrent loans | 61.2283% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 10.8354% | 97 |
| Noncurrent loans to loans | 8.1219% | 157 |
| Net loans and leases to total assets | 77.3340% | 840 |
| Net loans and leases to deposits | 86.0492% | 1,604 |
| Net loans and leases to core deposits | 94.2106% | 1,534 |
| Total domestic deposits to total assets | 89.8719% | 1,142 |
| Equity capital to assets | 7.6329% | 6,260 |
| Core capital (leverage) ratio | 7.6703% | 6,278 |
| Tier 1 risk-based capital ratio | 9.2584% | 6,581 |
| Total risk-based capital ratio | 10.5536% | 6,565 |
| Memoranda: | ||
| Average total assets | $352,099,000 | 1,866 |
| Average earning assets | $330,013,000 | 1,826 |
| Average equity | $27,246,000 | 2,453 |
| Average total loans | $293,560,500 | 1,464 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 3,014 |
| Cost of funding earning assets | 0.7687% | 1,388 |
| Net interest margin | 3.5168% | 3,821 |
| Noninterest income to average assets | 0.0045% | 6,636 |
| Noninterest expense to average assets | 2.8664% | 3,473 |
| Loan and lease loss provision to assets | 0.2785% | 1,241 |
| Net operating income to assets | 0.1264% | 5,985 |
| Return on assets (ROA) | 0.2050% | 5,880 |
| Pretax return on assets | 0.2050% | 5,927 |
| Return on Equity (ROE) | 2.6851% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.6851% | 4,325 |
| Net charge-offs to loans | 0.7860% | 799 |
| Credit loss provision to net charge-offs | 42.3549% | 3,989 |
| Earnings coverage of net charge-offs (x) | 0.6158% | 4,879 |
| Efficiency ratio | 87.6224% | 1,253 |
| Assets per employee ($millions) | 8.1041% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8873% | 98 |
| Loan loss allowance to noncurrent loans | 55.0609% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 11.5712% | 90 |
| Noncurrent loans to loans | 8.8761% | 150 |
| Net loans and leases to total assets | 81.2351% | 473 |
| Net loans and leases to deposits | 90.2677% | 1,216 |
| Net loans and leases to core deposits | 99.3396% | 1,208 |
| Total domestic deposits to total assets | 89.9936% | 1,085 |
| Equity capital to assets | 7.8456% | 6,121 |
| Core capital (leverage) ratio | 7.6679% | 6,319 |
| Tier 1 risk-based capital ratio | 9.1721% | 6,645 |
| Total risk-based capital ratio | 10.4670% | 6,622 |
| Memoranda: | ||
| Average total assets | $359,092,600 | 1,805 |
| Average earning assets | $333,568,400 | 1,784 |
| Average equity | $27,410,800 | 2,422 |
| Average total loans | $300,392,200 | 1,405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 3,219 |
| Cost of funding earning assets | 0.7885% | 1,388 |
| Net interest margin | 3.4563% | 4,070 |
| Noninterest income to average assets | 0.1028% | 6,473 |
| Noninterest expense to average assets | 2.7787% | 3,736 |
| Loan and lease loss provision to assets | 0.3686% | 855 |
| Net operating income to assets | 0.1592% | 6,022 |
| Return on assets (ROA) | 0.2632% | 5,844 |
| Pretax return on assets | 0.2632% | 5,944 |
| Return on Equity (ROE) | 3.4708% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.4708% | 4,218 |
| Net charge-offs to loans | 0.5279% | 1,219 |
| Credit loss provision to net charge-offs | 83.8926% | 2,750 |
| Earnings coverage of net charge-offs (x) | 1.2013% | 4,442 |
| Efficiency ratio | 84.0375% | 1,595 |
| Assets per employee ($millions) | 8.1575% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2782% | 93 |
| Loan loss allowance to noncurrent loans | 88.2469% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 9.7436% | 143 |
| Noncurrent loans to loans | 5.9812% | 430 |
| Net loans and leases to total assets | 78.5714% | 695 |
| Net loans and leases to deposits | 86.9878% | 1,493 |
| Net loans and leases to core deposits | 97.3873% | 1,280 |
| Total domestic deposits to total assets | 90.3246% | 832 |
| Equity capital to assets | 7.6588% | 6,325 |
| Core capital (leverage) ratio | 7.6153% | 6,400 |
| Tier 1 risk-based capital ratio | 9.0783% | 6,717 |
| Total risk-based capital ratio | 10.3772% | 6,709 |
| Memoranda: | ||
| Average total assets | $361,746,750 | 1,809 |
| Average earning assets | $335,299,000 | 1,784 |
| Average equity | $27,428,500 | 2,446 |
| Average total loans | $301,082,500 | 1,405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 3,116 |
| Cost of funding earning assets | 0.8054% | 1,385 |
| Net interest margin | 3.4560% | 3,976 |
| Noninterest income to average assets | 0.2553% | 5,623 |
| Noninterest expense to average assets | 2.7831% | 3,733 |
| Loan and lease loss provision to assets | 0.5514% | 478 |
| Net operating income to assets | 0.1224% | 6,079 |
| Return on assets (ROA) | 0.2779% | 5,811 |
| Pretax return on assets | 0.2779% | 5,931 |
| Return on Equity (ROE) | 3.6778% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.6778% | 3,969 |
| Net charge-offs to loans | 0.1721% | 2,745 |
| Credit loss provision to net charge-offs | 384.6154% | 680 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 3,060 |
| Efficiency ratio | 80.5073% | 2,089 |
| Assets per employee ($millions) | 8.0628% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5751% | 82 |
| Loan loss allowance to noncurrent loans | 76.8205% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 10.6443% | 136 |
| Noncurrent loans to loans | 7.2573% | 317 |
| Net loans and leases to total assets | 79.4748% | 580 |
| Net loans and leases to deposits | 87.9971% | 1,339 |
| Net loans and leases to core deposits | 98.3954% | 1,179 |
| Total domestic deposits to total assets | 90.3153% | 852 |
| Equity capital to assets | 7.6640% | 6,385 |
| Core capital (leverage) ratio | 7.3851% | 6,500 |
| Tier 1 risk-based capital ratio | 8.9995% | 6,759 |
| Total risk-based capital ratio | 10.3022% | 6,760 |
| Memoranda: | ||
| Average total assets | $362,685,000 | 1,810 |
| Average earning assets | $335,999,330 | 1,782 |
| Average equity | $27,408,000 | 2,462 |
| Average total loans | $302,199,000 | 1,395 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 3,301 |
| Cost of funding earning assets | 0.8089% | 1,480 |
| Net interest margin | 3.3914% | 4,147 |
| Noninterest income to average assets | 0.2313% | 5,803 |
| Noninterest expense to average assets | 2.6947% | 4,086 |
| Loan and lease loss provision to assets | 0.6546% | 369 |
| Net operating income to assets | 0.0153% | 6,316 |
| Return on assets (ROA) | 0.3229% | 5,615 |
| Pretax return on assets | 0.3229% | 5,797 |
| Return on Equity (ROE) | 4.3027% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.3027% | 3,643 |
| Net charge-offs to loans | 0.2632% | 1,906 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 3.0700% | 2,847 |
| Efficiency ratio | 80.0908% | 2,324 |
| Assets per employee ($millions) | 8.3012% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3756% | 106 |
| Loan loss allowance to noncurrent loans | 62.5652% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 11.9926% | 130 |
| Noncurrent loans to loans | 8.5919% | 290 |
| Net loans and leases to total assets | 78.5892% | 551 |
| Net loans and leases to deposits | 87.1197% | 1,231 |
| Net loans and leases to core deposits | 99.0015% | 1,006 |
| Total domestic deposits to total assets | 90.2084% | 929 |
| Equity capital to assets | 7.5291% | 6,583 |
| Core capital (leverage) ratio | 7.3377% | 6,530 |
| Tier 1 risk-based capital ratio | 8.6755% | 6,831 |
| Total risk-based capital ratio | 9.9748% | 6,832 |
| Memoranda: | ||
| Average total assets | $366,645,500 | 1,799 |
| Average earning assets | $338,734,500 | 1,786 |
| Average equity | $27,517,500 | 2,482 |
| Average total loans | $304,001,000 | 1,394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 4,228 |
| Cost of funding earning assets | 0.9087% | 1,891 |
| Net interest margin | 3.3808% | 4,959 |
| Noninterest income to average assets | -0.0595% | 6,894 |
| Noninterest expense to average assets | 2.6907% | 4,427 |
| Loan and lease loss provision to assets | 1.3788% | 247 |
| Net operating income to assets | -0.9753% | 6,739 |
| Return on assets (ROA) | -0.9753% | 6,753 |
| Pretax return on assets | -0.9753% | 6,728 |
| Return on Equity (ROE) | -16.5448% | 6,844 |
| Retained earnings to average equity (ytd only) | -16.5448% | 6,798 |
| Net charge-offs to loans | 2.7090% | 211 |
| Credit loss provision to net charge-offs | 63.4956% | 4,359 |
| Earnings coverage of net charge-offs (x) | 0.1858% | 5,388 |
| Efficiency ratio | 86.9596% | 1,334 |
| Assets per employee ($millions) | 8.3645% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2215% | 114 |
| Loan loss allowance to noncurrent loans | 58.3936% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 12.2373% | 133 |
| Noncurrent loans to loans | 8.9418% | 297 |
| Net loans and leases to total assets | 78.4534% | 623 |
| Net loans and leases to deposits | 85.4698% | 1,583 |
| Net loans and leases to core deposits | 96.5340% | 1,259 |
| Total domestic deposits to total assets | 91.7908% | 287 |
| Equity capital to assets | 7.4815% | 6,642 |
| Core capital (leverage) ratio | 6.8667% | 6,737 |
| Tier 1 risk-based capital ratio | 8.5750% | 6,885 |
| Total risk-based capital ratio | 9.8729% | 6,887 |
| Memoranda: | ||
| Average total assets | $413,393,400 | 1,586 |
| Average earning assets | $385,615,200 | 1,561 |
| Average equity | $24,370,200 | 2,723 |
| Average total loans | $331,377,600 | 1,267 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 4,583 |
| Cost of funding earning assets | 0.9300% | 1,979 |
| Net interest margin | 3.3388% | 5,253 |
| Noninterest income to average assets | -0.0537% | 6,994 |
| Noninterest expense to average assets | 2.5951% | 4,761 |
| Loan and lease loss provision to assets | 1.7893% | 157 |
| Net operating income to assets | -1.3184% | 6,931 |
| Return on assets (ROA) | -1.3184% | 6,951 |
| Pretax return on assets | -1.3184% | 6,929 |
| Return on Equity (ROE) | -23.7494% | 7,026 |
| Retained earnings to average equity (ytd only) | -23.7494% | 7,015 |
| Net charge-offs to loans | 3.3946% | 139 |
| Credit loss provision to net charge-offs | 66.2252% | 4,000 |
| Earnings coverage of net charge-offs (x) | 0.1743% | 5,243 |
| Efficiency ratio | 84.6422% | 1,515 |
| Assets per employee ($millions) | 8.8696% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1451% | 130 |
| Loan loss allowance to noncurrent loans | 56.5979% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 11.8500% | 168 |
| Noncurrent loans to loans | 9.0907% | 300 |
| Net loans and leases to total assets | 75.1834% | 1,092 |
| Net loans and leases to deposits | 81.2651% | 2,213 |
| Net loans and leases to core deposits | 91.2034% | 1,855 |
| Total domestic deposits to total assets | 92.5163% | 149 |
| Equity capital to assets | 6.8687% | 6,900 |
| Core capital (leverage) ratio | 6.4003% | 6,902 |
| Tier 1 risk-based capital ratio | 8.2248% | 6,979 |
| Total risk-based capital ratio | 9.5218% | 6,979 |
| Memoranda: | ||
| Average total assets | $424,731,750 | 1,563 |
| Average earning assets | $396,854,250 | 1,534 |
| Average equity | $23,579,000 | 2,816 |
| Average total loans | $338,060,250 | 1,258 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 4,742 |
| Cost of funding earning assets | 0.9502% | 2,065 |
| Net interest margin | 3.3044% | 5,427 |
| Noninterest income to average assets | 0.1394% | 6,497 |
| Noninterest expense to average assets | 2.5823% | 4,842 |
| Loan and lease loss provision to assets | 1.1079% | 386 |
| Net operating income to assets | -0.4556% | 6,712 |
| Return on assets (ROA) | -0.4556% | 6,758 |
| Pretax return on assets | -0.4556% | 6,730 |
| Return on Equity (ROE) | -8.8519% | 6,882 |
| Retained earnings to average equity (ytd only) | -8.8519% | 6,802 |
| Net charge-offs to loans | 1.9954% | 420 |
| Credit loss provision to net charge-offs | 69.6662% | 3,571 |
| Earnings coverage of net charge-offs (x) | 0.4102% | 4,872 |
| Efficiency ratio | 79.8345% | 2,211 |
| Assets per employee ($millions) | 8.8855% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4076% | 116 |
| Loan loss allowance to noncurrent loans | 59.3262% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 11.4408% | 200 |
| Noncurrent loans to loans | 9.1149% | 329 |
| Net loans and leases to total assets | 77.6303% | 771 |
| Net loans and leases to deposits | 84.3907% | 1,804 |
| Net loans and leases to core deposits | 98.0080% | 1,273 |
| Total domestic deposits to total assets | 91.9891% | 226 |
| Equity capital to assets | 7.4665% | 6,805 |
| Core capital (leverage) ratio | 7.1264% | 6,780 |
| Tier 1 risk-based capital ratio | 8.8201% | 6,994 |
| Total risk-based capital ratio | 10.1212% | 6,993 |
| Memoranda: | ||
| Average total assets | $433,265,000 | 1,534 |
| Average earning assets | $405,824,330 | 1,501 |
| Average equity | $22,300,330 | 2,950 |
| Average total loans | $345,294,330 | 1,216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 4,195 |
| Cost of funding earning assets | 0.9884% | 2,044 |
| Net interest margin | 3.4431% | 4,939 |
| Noninterest income to average assets | 0.5746% | 3,385 |
| Noninterest expense to average assets | 2.4977% | 5,158 |
| Loan and lease loss provision to assets | 1.0774% | 370 |
| Net operating income to assets | 0.2271% | 5,898 |
| Return on assets (ROA) | 0.2271% | 6,043 |
| Pretax return on assets | 0.2271% | 6,143 |
| Return on Equity (ROE) | 5.5630% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.5630% | 3,226 |
| Net charge-offs to loans | 1.0656% | 968 |
| Credit loss provision to net charge-offs | 128.6174% | 1,884 |
| Earnings coverage of net charge-offs (x) | 1.5573% | 3,553 |
| Efficiency ratio | 65.6907% | 4,613 |
| Assets per employee ($millions) | 9.5838% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6269% | 103 |
| Loan loss allowance to noncurrent loans | 54.4785% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 12.4045% | 187 |
| Noncurrent loans to loans | 10.3287% | 285 |
| Net loans and leases to total assets | 75.6433% | 845 |
| Net loans and leases to deposits | 82.0903% | 1,926 |
| Net loans and leases to core deposits | 96.5557% | 1,247 |
| Total domestic deposits to total assets | 92.1465% | 233 |
| Equity capital to assets | 7.4230% | 6,807 |
| Core capital (leverage) ratio | 6.9952% | 6,839 |
| Tier 1 risk-based capital ratio | 8.9562% | 7,036 |
| Total risk-based capital ratio | 10.2601% | 7,031 |
| Memoranda: | ||
| Average total assets | $445,532,000 | 1,493 |
| Average earning assets | $417,646,500 | 1,461 |
| Average equity | $18,191,500 | 3,465 |
| Average total loans | $350,222,500 | 1,199 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 6,416 |
| Cost of funding earning assets | 1.0833% | 2,783 |
| Net interest margin | 2.9383% | 6,629 |
| Noninterest income to average assets | -0.9499% | 7,318 |
| Noninterest expense to average assets | 2.6166% | 5,030 |
| Loan and lease loss provision to assets | 4.2441% | 41 |
| Net operating income to assets | -5.0486% | 7,305 |
| Return on assets (ROA) | -5.0486% | 7,308 |
| Pretax return on assets | -5.0238% | 7,310 |
| Return on Equity (ROE) | -140.6660% | 7,338 |
| Retained earnings to average equity (ytd only) | -140.6660% | 7,338 |
| Net charge-offs to loans | 5.6844% | 55 |
| Credit loss provision to net charge-offs | 95.0832% | 3,798 |
| Earnings coverage of net charge-offs (x) | -0.1747% | 5,940 |
| Efficiency ratio | 142.4510% | 164 |
| Assets per employee ($millions) | 8.8422% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4075% | 137 |
| Loan loss allowance to noncurrent loans | 45.2016% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 12.7642% | 179 |
| Noncurrent loans to loans | 11.9631% | 223 |
| Net loans and leases to total assets | 72.9855% | 1,456 |
| Net loans and leases to deposits | 75.3953% | 3,276 |
| Net loans and leases to core deposits | 97.0861% | 1,404 |
| Total domestic deposits to total assets | 96.8038% | 24 |
| Equity capital to assets | 0.9504% | 7,343 |
| Core capital (leverage) ratio | 0.7096% | 7,345 |
| Tier 1 risk-based capital ratio | 0.9501% | 7,346 |
| Total risk-based capital ratio | 1.9001% | 7,346 |
| Memoranda: | ||
| Average total assets | $549,519,800 | 1,200 |
| Average earning assets | $521,184,000 | 1,146 |
| Average equity | $19,722,600 | 3,187 |
| Average total loans | $431,493,400 | 971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 6,516 |
| Cost of funding earning assets | 1.0945% | 3,018 |
| Net interest margin | 2.9504% | 6,667 |
| Noninterest income to average assets | -0.7049% | 7,382 |
| Noninterest expense to average assets | 2.3244% | 5,967 |
| Loan and lease loss provision to assets | 4.8089% | 36 |
| Net operating income to assets | -5.0674% | 7,379 |
| Return on assets (ROA) | -5.0674% | 7,382 |
| Pretax return on assets | -5.0355% | 7,380 |
| Return on Equity (ROE) | -123.0151% | 7,394 |
| Retained earnings to average equity (ytd only) | -123.0151% | 7,394 |
| Net charge-offs to loans | 6.9574% | 37 |
| Credit loss provision to net charge-offs | 87.7195% | 3,864 |
| Earnings coverage of net charge-offs (x) | -0.0413% | 5,628 |
| Efficiency ratio | 110.8012% | 415 |
| Assets per employee ($millions) | 9.7454% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6800% | 229 |
| Loan loss allowance to noncurrent loans | 38.9626% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 11.9415% | 232 |
| Noncurrent loans to loans | 12.0114% | 236 |
| Net loans and leases to total assets | 70.3439% | 2,008 |
| Net loans and leases to deposits | 73.2891% | 3,764 |
| Net loans and leases to core deposits | 97.7579% | 1,440 |
| Total domestic deposits to total assets | 95.9813% | 32 |
| Equity capital to assets | 2.0686% | 7,401 |
| Core capital (leverage) ratio | 1.6963% | 7,412 |
| Tier 1 risk-based capital ratio | 2.4587% | 7,409 |
| Total risk-based capital ratio | 4.9174% | 7,372 |
| Memoranda: | ||
| Average total assets | $571,951,250 | 1,164 |
| Average earning assets | $543,333,750 | 1,107 |
| Average equity | $23,560,750 | 2,719 |
| Average total loans | $450,675,000 | 943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 6,671 |
| Cost of funding earning assets | 1.0946% | 3,287 |
| Net interest margin | 2.9007% | 6,788 |
| Noninterest income to average assets | -0.6984% | 7,444 |
| Noninterest expense to average assets | 2.2413% | 6,271 |
| Loan and lease loss provision to assets | 2.2066% | 260 |
| Net operating income to assets | -2.3895% | 7,254 |
| Return on assets (ROA) | -2.3895% | 7,257 |
| Pretax return on assets | -2.3895% | 7,234 |
| Return on Equity (ROE) | -50.8095% | 7,349 |
| Retained earnings to average equity (ytd only) | -50.8095% | 7,346 |
| Net charge-offs to loans | 3.1396% | 313 |
| Credit loss provision to net charge-offs | 87.6137% | 3,527 |
| Earnings coverage of net charge-offs (x) | -0.0726% | 5,324 |
| Efficiency ratio | 108.8871% | 497 |
| Assets per employee ($millions) | 10.7919% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4134% | 299 |
| Loan loss allowance to noncurrent loans | 29.0933% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 13.9174% | 175 |
| Noncurrent loans to loans | 15.1697% | 135 |
| Net loans and leases to total assets | 75.1200% | 1,221 |
| Net loans and leases to deposits | 80.0290% | 2,792 |
| Net loans and leases to core deposits | 112.6272% | 628 |
| Total domestic deposits to total assets | 93.8660% | 86 |
| Equity capital to assets | 4.4160% | 7,361 |
| Core capital (leverage) ratio | 4.1825% | 7,363 |
| Tier 1 risk-based capital ratio | 5.4336% | 7,384 |
| Total risk-based capital ratio | 8.0696% | 7,329 |
| Memoranda: | ||
| Average total assets | $593,681,000 | 1,122 |
| Average earning assets | $564,201,000 | 1,070 |
| Average equity | $27,920,000 | 2,318 |
| Average total loans | $476,240,670 | 909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 6,502 |
| Cost of funding earning assets | 1.1027% | 3,498 |
| Net interest margin | 2.9964% | 6,581 |
| Noninterest income to average assets | -1.2519% | 7,543 |
| Noninterest expense to average assets | 2.0061% | 6,824 |
| Loan and lease loss provision to assets | 2.0986% | 256 |
| Net operating income to assets | -2.5072% | 7,344 |
| Return on assets (ROA) | -2.5072% | 7,343 |
| Pretax return on assets | -2.5072% | 7,328 |
| Return on Equity (ROE) | -51.8566% | 7,420 |
| Retained earnings to average equity (ytd only) | -51.8566% | 7,408 |
| Net charge-offs to loans | 3.9551% | 229 |
| Credit loss provision to net charge-offs | 65.5335% | 3,446 |
| Earnings coverage of net charge-offs (x) | -0.1276% | 4,659 |
| Efficiency ratio | 125.5747% | 297 |
| Assets per employee ($millions) | 11.1301% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8932% | 451 |
| Loan loss allowance to noncurrent loans | 38.7758% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 10.6048% | 362 |
| Noncurrent loans to loans | 10.0404% | 406 |
| Net loans and leases to total assets | 78.2840% | 696 |
| Net loans and leases to deposits | 83.5645% | 2,095 |
| Net loans and leases to core deposits | 125.4684% | 320 |
| Total domestic deposits to total assets | 93.6809% | 91 |
| Equity capital to assets | 4.6788% | 7,394 |
| Core capital (leverage) ratio | 4.4911% | 7,396 |
| Tier 1 risk-based capital ratio | 5.6201% | 7,434 |
| Total risk-based capital ratio | 8.1299% | 7,380 |
| Memoranda: | ||
| Average total assets | $609,931,000 | 1,094 |
| Average earning assets | $580,025,500 | 1,045 |
| Average equity | $29,489,000 | 2,206 |
| Average total loans | $493,849,500 | 891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 6,506 |
| Cost of funding earning assets | 1.3996% | 3,269 |
| Net interest margin | 3.0574% | 6,625 |
| Noninterest income to average assets | -0.3804% | 7,537 |
| Noninterest expense to average assets | 2.1277% | 6,777 |
| Loan and lease loss provision to assets | 3.7911% | 177 |
| Net operating income to assets | -3.7780% | 7,413 |
| Return on assets (ROA) | -3.6580% | 7,412 |
| Pretax return on assets | -3.2809% | 7,336 |
| Return on Equity (ROE) | -52.8614% | 7,436 |
| Retained earnings to average equity (ytd only) | -52.8614% | 7,433 |
| Net charge-offs to loans | 2.4164% | 781 |
| Credit loss provision to net charge-offs | 188.5006% | 1,721 |
| Earnings coverage of net charge-offs (x) | 0.1941% | 5,914 |
| Efficiency ratio | 84.4999% | 1,862 |
| Assets per employee ($millions) | 11.6660% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0201% | 394 |
| Loan loss allowance to noncurrent loans | 45.6929% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 9.7085% | 431 |
| Noncurrent loans to loans | 8.7981% | 539 |
| Net loans and leases to total assets | 77.2753% | 1,054 |
| Net loans and leases to deposits | 82.7125% | 2,681 |
| Net loans and leases to core deposits | 141.3082% | 219 |
| Total domestic deposits to total assets | 93.4263% | 113 |
| Equity capital to assets | 4.9809% | 7,432 |
| Core capital (leverage) ratio | 4.6347% | 7,448 |
| Tier 1 risk-based capital ratio | 6.0679% | 7,475 |
| Total risk-based capital ratio | 8.5145% | 7,406 |
| Memoranda: | ||
| Average total assets | $655,926,600 | 1,014 |
| Average earning assets | $621,801,800 | 968 |
| Average equity | $45,390,400 | 1,474 |
| Average total loans | $545,941,000 | 827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 6,563 |
| Cost of funding earning assets | 1.4538% | 3,252 |
| Net interest margin | 3.0647% | 6,697 |
| Noninterest income to average assets | -0.5066% | 7,681 |
| Noninterest expense to average assets | 1.9552% | 7,125 |
| Loan and lease loss provision to assets | 4.6026% | 115 |
| Net operating income to assets | -4.6614% | 7,621 |
| Return on assets (ROA) | -4.5751% | 7,627 |
| Pretax return on assets | -4.0771% | 7,570 |
| Return on Equity (ROE) | -61.9835% | 7,607 |
| Retained earnings to average equity (ytd only) | -61.9835% | 7,606 |
| Net charge-offs to loans | 2.9455% | 541 |
| Credit loss provision to net charge-offs | 186.2892% | 1,938 |
| Earnings coverage of net charge-offs (x) | 0.1778% | 5,837 |
| Efficiency ratio | 81.6577% | 2,101 |
| Assets per employee ($millions) | 11.1683% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6554% | 483 |
| Loan loss allowance to noncurrent loans | 51.9732% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 8.0653% | 621 |
| Noncurrent loans to loans | 7.0332% | 799 |
| Net loans and leases to total assets | 79.9372% | 759 |
| Net loans and leases to deposits | 85.7652% | 2,394 |
| Net loans and leases to core deposits | 151.1381% | 185 |
| Total domestic deposits to total assets | 93.2047% | 93 |
| Equity capital to assets | 5.2227% | 7,556 |
| Core capital (leverage) ratio | 4.9197% | 7,551 |
| Tier 1 risk-based capital ratio | 6.0820% | 7,601 |
| Total risk-based capital ratio | 8.4824% | 7,537 |
| Memoranda: | ||
| Average total assets | $662,416,750 | 1,014 |
| Average earning assets | $627,042,500 | 966 |
| Average equity | $48,893,500 | 1,376 |
| Average total loans | $555,626,750 | 813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 6,422 |
| Cost of funding earning assets | 1.5207% | 3,128 |
| Net interest margin | 3.0925% | 6,626 |
| Noninterest income to average assets | -0.4083% | 7,736 |
| Noninterest expense to average assets | 1.8241% | 7,364 |
| Loan and lease loss provision to assets | 2.2607% | 521 |
| Net operating income to assets | -1.6616% | 7,205 |
| Return on assets (ROA) | -1.5859% | 7,195 |
| Pretax return on assets | -1.5001% | 7,076 |
| Return on Equity (ROE) | -19.6677% | 7,271 |
| Retained earnings to average equity (ytd only) | -19.6677% | 7,249 |
| Net charge-offs to loans | 2.1609% | 830 |
| Credit loss provision to net charge-offs | 124.3035% | 3,254 |
| Earnings coverage of net charge-offs (x) | 0.3766% | 5,361 |
| Efficiency ratio | 72.7014% | 3,708 |
| Assets per employee ($millions) | 11.5657% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 2,565 |
| Loan loss allowance to noncurrent loans | 30.8927% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 7.3625% | 695 |
| Noncurrent loans to loans | 5.9872% | 1,070 |
| Net loans and leases to total assets | 82.0885% | 522 |
| Net loans and leases to deposits | 90.3031% | 1,805 |
| Net loans and leases to core deposits | 156.2665% | 186 |
| Total domestic deposits to total assets | 90.9032% | 528 |
| Equity capital to assets | 7.6659% | 7,014 |
| Core capital (leverage) ratio | 7.5378% | 6,796 |
| Tier 1 risk-based capital ratio | 8.5549% | 7,479 |
| Total risk-based capital ratio | 11.0955% | 7,088 |
| Memoranda: | ||
| Average total assets | $671,025,330 | 1,007 |
| Average earning assets | $633,016,670 | 968 |
| Average equity | $54,109,000 | 1,229 |
| Average total loans | $564,775,670 | 810 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 6,487 |
| Cost of funding earning assets | 1.5785% | 3,085 |
| Net interest margin | 3.0468% | 6,720 |
| Noninterest income to average assets | 0.1790% | 6,676 |
| Noninterest expense to average assets | 1.8472% | 7,414 |
| Loan and lease loss provision to assets | 0.9750% | 1,281 |
| Net operating income to assets | 0.1483% | 5,863 |
| Return on assets (ROA) | 0.1483% | 5,990 |
| Pretax return on assets | 0.2346% | 5,783 |
| Return on Equity (ROE) | 1.7962% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.7962% | 5,038 |
| Net charge-offs to loans | 0.0392% | 5,029 |
| Credit loss provision to net charge-offs | 2,946.4286% | 172 |
| Earnings coverage of net charge-offs (x) | 36.5536% | 750 |
| Efficiency ratio | 60.4292% | 6,092 |
| Assets per employee ($millions) | 12.3234% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 2,687 |
| Loan loss allowance to noncurrent loans | 44.4890% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 5.3767% | 1,161 |
| Noncurrent loans to loans | 4.0813% | 1,906 |
| Net loans and leases to total assets | 82.2465% | 561 |
| Net loans and leases to deposits | 91.0531% | 1,751 |
| Net loans and leases to core deposits | 165.3633% | 168 |
| Total domestic deposits to total assets | 90.3281% | 814 |
| Equity capital to assets | 8.2769% | 6,335 |
| Core capital (leverage) ratio | 8.1639% | 5,972 |
| Tier 1 risk-based capital ratio | 9.2265% | 7,417 |
| Total risk-based capital ratio | 11.7285% | 6,647 |
| Memoranda: | ||
| Average total assets | $676,915,000 | 1,016 |
| Average earning assets | $639,360,000 | 981 |
| Average equity | $55,895,000 | 1,190 |
| Average total loans | $571,482,000 | 820 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 6,978 |
| Cost of funding earning assets | 2.0224% | 2,858 |
| Net interest margin | 2.7628% | 7,123 |
| Noninterest income to average assets | 0.1537% | 6,964 |
| Noninterest expense to average assets | 1.9071% | 7,493 |
| Loan and lease loss provision to assets | 1.5229% | 1,513 |
| Net operating income to assets | -0.4603% | 6,138 |
| Return on assets (ROA) | -0.4611% | 6,137 |
| Pretax return on assets | -0.6392% | 6,130 |
| Return on Equity (ROE) | -5.7061% | 6,280 |
| Retained earnings to average equity (ytd only) | -5.7061% | 6,111 |
| Net charge-offs to loans | 1.4857% | 1,685 |
| Credit loss provision to net charge-offs | 115.9763% | 4,684 |
| Earnings coverage of net charge-offs (x) | 0.6737% | 5,420 |
| Efficiency ratio | 68.3109% | 4,959 |
| Assets per employee ($millions) | 11.0826% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 3,643 |
| Loan loss allowance to noncurrent loans | 49.0323% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 4.5922% | 1,399 |
| Noncurrent loans to loans | 3.0901% | 2,475 |
| Net loans and leases to total assets | 83.7940% | 458 |
| Net loans and leases to deposits | 92.7598% | 1,776 |
| Net loans and leases to core deposits | 125.6116% | 1,546 |
| Total domestic deposits to total assets | 90.3345% | 818 |
| Equity capital to assets | 8.2377% | 6,292 |
| Core capital (leverage) ratio | 8.1761% | 5,863 |
| Tier 1 risk-based capital ratio | 8.9794% | 7,475 |
| Total risk-based capital ratio | 11.4497% | 6,656 |
| Memoranda: | ||
| Average total assets | $667,360,600 | 1,039 |
| Average earning assets | $637,209,400 | 980 |
| Average equity | $53,924,800 | 1,225 |
| Average total loans | $589,823,600 | 808 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 7,175 |
| Cost of funding earning assets | 2.0931% | 2,916 |
| Net interest margin | 2.6752% | 7,253 |
| Noninterest income to average assets | 0.0235% | 7,755 |
| Noninterest expense to average assets | 1.8851% | 7,563 |
| Loan and lease loss provision to assets | 1.4245% | 1,346 |
| Net operating income to assets | -0.3900% | 6,305 |
| Return on assets (ROA) | -0.3909% | 6,303 |
| Pretax return on assets | -0.7268% | 6,502 |
| Return on Equity (ROE) | -4.8612% | 6,435 |
| Retained earnings to average equity (ytd only) | -4.8612% | 6,237 |
| Net charge-offs to loans | 0.9469% | 2,079 |
| Credit loss provision to net charge-offs | 168.6121% | 2,773 |
| Earnings coverage of net charge-offs (x) | 0.8275% | 5,225 |
| Efficiency ratio | 72.9466% | 4,061 |
| Assets per employee ($millions) | 10.9568% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 2,538 |
| Loan loss allowance to noncurrent loans | 58.5700% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 4.7508% | 1,250 |
| Noncurrent loans to loans | 2.9407% | 2,590 |
| Net loans and leases to total assets | 87.1389% | 262 |
| Net loans and leases to deposits | 96.0692% | 1,564 |
| Net loans and leases to core deposits | 123.6373% | 1,940 |
| Total domestic deposits to total assets | 90.7043% | 512 |
| Equity capital to assets | 7.8635% | 6,976 |
| Core capital (leverage) ratio | 7.7034% | 6,729 |
| Tier 1 risk-based capital ratio | 8.1923% | 7,765 |
| Total risk-based capital ratio | 10.6262% | 7,425 |
| Memoranda: | ||
| Average total assets | $665,190,500 | 1,052 |
| Average earning assets | $636,742,500 | 994 |
| Average equity | $53,483,500 | 1,252 |
| Average total loans | $593,480,250 | 816 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 7,284 |
| Cost of funding earning assets | 2.1534% | 3,027 |
| Net interest margin | 2.6116% | 7,349 |
| Noninterest income to average assets | 0.1819% | 6,993 |
| Noninterest expense to average assets | 1.9361% | 7,578 |
| Loan and lease loss provision to assets | 0.4496% | 3,287 |
| Net operating income to assets | 0.1902% | 5,298 |
| Return on assets (ROA) | 0.1888% | 5,385 |
| Pretax return on assets | 0.3072% | 5,193 |
| Return on Equity (ROE) | 2.3312% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.3312% | 4,039 |
| Net charge-offs to loans | 0.0256% | 6,126 |
| Credit loss provision to net charge-offs | 1,964.4737% | 272 |
| Earnings coverage of net charge-offs (x) | 33.1579% | 933 |
| Efficiency ratio | 71.8404% | 4,445 |
| Assets per employee ($millions) | 11.1292% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,371 |
| Loan loss allowance to noncurrent loans | 27.6215% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 5.5369% | 906 |
| Noncurrent loans to loans | 5.3105% | 1,118 |
| Net loans and leases to total assets | 86.4007% | 343 |
| Net loans and leases to deposits | 95.5148% | 1,867 |
| Net loans and leases to core deposits | 116.8880% | 2,635 |
| Total domestic deposits to total assets | 90.4580% | 646 |
| Equity capital to assets | 8.0898% | 6,643 |
| Core capital (leverage) ratio | 8.1520% | 6,075 |
| Tier 1 risk-based capital ratio | 8.6264% | 7,828 |
| Total risk-based capital ratio | 11.0660% | 7,060 |
| Memoranda: | ||
| Average total assets | $664,132,000 | 1,068 |
| Average earning assets | $639,076,670 | 1,008 |
| Average equity | $53,792,330 | 1,253 |
| Average total loans | $593,769,000 | 838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 7,466 |
| Cost of funding earning assets | 2.2715% | 2,833 |
| Net interest margin | 2.4551% | 7,553 |
| Noninterest income to average assets | 0.2022% | 6,846 |
| Noninterest expense to average assets | 1.9051% | 7,537 |
| Loan and lease loss provision to assets | 0.2314% | 4,138 |
| Net operating income to assets | 0.2729% | 5,401 |
| Return on assets (ROA) | 0.2729% | 5,568 |
| Pretax return on assets | 0.4361% | 5,290 |
| Return on Equity (ROE) | 3.3666% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.3666% | 4,011 |
| Net charge-offs to loans | 0.0047% | 5,640 |
| Credit loss provision to net charge-offs | 5,428.5714% | 138 |
| Earnings coverage of net charge-offs (x) | 156.5714% | 279 |
| Efficiency ratio | 74.0530% | 3,814 |
| Assets per employee ($millions) | 9.6486% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,113 |
| Loan loss allowance to noncurrent loans | 34.3230% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 3.6799% | 1,438 |
| Noncurrent loans to loans | 3.7709% | 1,635 |
| Net loans and leases to total assets | 88.0672% | 257 |
| Net loans and leases to deposits | 98.3882% | 1,612 |
| Net loans and leases to core deposits | 115.2549% | 2,878 |
| Total domestic deposits to total assets | 89.5099% | 1,001 |
| Equity capital to assets | 8.2329% | 6,492 |
| Core capital (leverage) ratio | 8.1259% | 6,241 |
| Tier 1 risk-based capital ratio | 8.6285% | 7,920 |
| Total risk-based capital ratio | 11.0411% | 7,056 |
| Memoranda: | ||
| Average total assets | $656,757,500 | 1,083 |
| Average earning assets | $634,114,000 | 1,009 |
| Average equity | $53,228,500 | 1,273 |
| Average total loans | $593,008,500 | 836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4185% | 7,440 |
| Cost of funding earning assets | 3.3181% | 872 |
| Net interest margin | 2.1004% | 8,015 |
| Noninterest income to average assets | 0.2003% | 7,018 |
| Noninterest expense to average assets | 2.1976% | 6,970 |
| Loan and lease loss provision to assets | 0.5494% | 2,623 |
| Net operating income to assets | -0.2966% | 6,731 |
| Return on assets (ROA) | -0.2966% | 6,589 |
| Pretax return on assets | -0.5246% | 6,673 |
| Return on Equity (ROE) | -3.6057% | 6,694 |
| Retained earnings to average equity (ytd only) | -3.6057% | 6,244 |
| Net charge-offs to loans | 0.1296% | 4,937 |
| Credit loss provision to net charge-offs | 480.4314% | 919 |
| Earnings coverage of net charge-offs (x) | 0.2173% | 6,105 |
| Efficiency ratio | 98.8821% | 1,025 |
| Assets per employee ($millions) | 9.3878% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 4,269 |
| Loan loss allowance to noncurrent loans | 63.4928% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.1153% | 2,323 |
| Noncurrent loans to loans | 1.9461% | 2,840 |
| Net loans and leases to total assets | 90.2652% | 179 |
| Net loans and leases to deposits | 101.4665% | 1,650 |
| Net loans and leases to core deposits | 121.6897% | 2,538 |
| Total domestic deposits to total assets | 88.9606% | 1,059 |
| Equity capital to assets | 7.9730% | 6,886 |
| Core capital (leverage) ratio | 7.9497% | 6,571 |
| Tier 1 risk-based capital ratio | 8.1637% | 8,054 |
| Total risk-based capital ratio | 10.5180% | 7,487 |
| Memoranda: | ||
| Average total assets | $567,519,800 | 1,184 |
| Average earning assets | $546,370,000 | 1,132 |
| Average equity | $46,675,800 | 1,462 |
| Average total loans | $500,763,000 | 959 |