Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 3,850 |
| Cost of funding earning assets | 1.5913% | 3,188 |
| Net interest margin | 2.9244% | 3,283 |
| Noninterest income to average assets | 0.8800% | 786 |
| Noninterest expense to average assets | 3.5798% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.0820% | 4,239 |
| Return on assets (ROA) | -0.0820% | 4,254 |
| Pretax return on assets | -0.0820% | 4,232 |
| Return on Equity (ROE) | -2.8300% | 4,308 |
| Retained earnings to average equity (ytd only) | -2.8274% | 4,201 |
| Net charge-offs to loans | -0.3278% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 102.3454% | 244 |
| Assets per employee ($millions) | 3.1380% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,086 |
| Loan loss allowance to noncurrent loans | 679.5181% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,160 |
| Noncurrent loans to loans | 0.2172% | 2,643 |
| Net loans and leases to total assets | 33.3300% | 4,166 |
| Net loans and leases to deposits | 34.5095% | 4,235 |
| Net loans and leases to core deposits | 36.0982% | 4,239 |
| Total domestic deposits to total assets | 96.5900% | 20 |
| Equity capital to assets | 2.9464% | 4,460 |
| Core capital (leverage) ratio | 8.3049% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8064% | 1,570 |
| Memoranda: | ||
| Average total assets | $218,195,600 | 2,883 |
| Average earning assets | $195,631,400 | 2,919 |
| Average equity | $6,330,800 | 4,123 |
| Average total loans | $76,875,600 | 3,463 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 3,801 |
| Cost of funding earning assets | 1.5696% | 3,231 |
| Net interest margin | 2.9604% | 3,180 |
| Noninterest income to average assets | 0.8400% | 818 |
| Noninterest expense to average assets | 3.6794% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.1831% | 4,318 |
| Return on assets (ROA) | -0.1831% | 4,340 |
| Pretax return on assets | -0.1831% | 4,320 |
| Return on Equity (ROE) | -6.3400% | 4,410 |
| Retained earnings to average equity (ytd only) | -6.3366% | 4,368 |
| Net charge-offs to loans | -0.4382% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 105.2372% | 217 |
| Assets per employee ($millions) | 2.7877% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,286 |
| Loan loss allowance to noncurrent loans | 297.8892% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,564 |
| Noncurrent loans to loans | 0.4757% | 1,892 |
| Net loans and leases to total assets | 37.0700% | 4,113 |
| Net loans and leases to deposits | 38.6004% | 4,217 |
| Net loans and leases to core deposits | 40.3831% | 4,219 |
| Total domestic deposits to total assets | 96.0400% | 12 |
| Equity capital to assets | 3.5103% | 4,495 |
| Core capital (leverage) ratio | 8.4472% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5852% | 1,671 |
| Memoranda: | ||
| Average total assets | $216,260,000 | 2,892 |
| Average earning assets | $193,844,500 | 2,929 |
| Average equity | $6,249,250 | 4,150 |
| Average total loans | $76,983,750 | 3,467 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 3,814 |
| Cost of funding earning assets | 1.5318% | 3,219 |
| Net interest margin | 2.9450% | 3,165 |
| Noninterest income to average assets | 0.8600% | 774 |
| Noninterest expense to average assets | 3.5954% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.0937% | 4,304 |
| Return on assets (ROA) | -0.0937% | 4,325 |
| Pretax return on assets | -0.0937% | 4,311 |
| Return on Equity (ROE) | -3.4900% | 4,384 |
| Retained earnings to average equity (ytd only) | -3.4852% | 4,240 |
| Net charge-offs to loans | -0.6624% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 102.6758% | 243 |
| Assets per employee ($millions) | 2.7473% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,272 |
| Loan loss allowance to noncurrent loans | 282.7068% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 2,480 |
| Noncurrent loans to loans | 0.5068% | 1,735 |
| Net loans and leases to total assets | 35.7600% | 4,161 |
| Net loans and leases to deposits | 37.0368% | 4,247 |
| Net loans and leases to core deposits | 38.5395% | 4,255 |
| Total domestic deposits to total assets | 96.5500% | 16 |
| Equity capital to assets | 2.7950% | 4,506 |
| Core capital (leverage) ratio | 8.7158% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6623% | 1,638 |
| Memoranda: | ||
| Average total assets | $217,725,000 | 2,885 |
| Average earning assets | $195,452,000 | 2,920 |
| Average equity | $5,853,333 | 4,189 |
| Average total loans | $76,086,667 | 3,488 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 3,631 |
| Cost of funding earning assets | 1.5543% | 3,075 |
| Net interest margin | 2.9778% | 3,032 |
| Noninterest income to average assets | 0.8600% | 718 |
| Noninterest expense to average assets | 3.6410% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.1046% | 4,341 |
| Return on assets (ROA) | -0.1046% | 4,330 |
| Pretax return on assets | -0.1046% | 4,318 |
| Return on Equity (ROE) | -3.9700% | 4,396 |
| Retained earnings to average equity (ytd only) | -3.9673% | 4,073 |
| Net charge-offs to loans | -1.3697% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 102.9564% | 253 |
| Assets per employee ($millions) | 2.6925% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,025 |
| Loan loss allowance to noncurrent loans | 408.6643% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,758 |
| Noncurrent loans to loans | 0.3713% | 2,020 |
| Net loans and leases to total assets | 34.9800% | 4,174 |
| Net loans and leases to deposits | 36.1781% | 4,257 |
| Net loans and leases to core deposits | 37.5834% | 4,309 |
| Total domestic deposits to total assets | 96.7000% | 36 |
| Equity capital to assets | 2.6869% | 4,530 |
| Core capital (leverage) ratio | 8.4601% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5240% | 1,392 |
| Memoranda: | ||
| Average total assets | $218,070,500 | 2,885 |
| Average earning assets | $195,849,000 | 2,922 |
| Average equity | $5,747,000 | 4,220 |
| Average total loans | $74,762,500 | 3,513 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 3,613 |
| Cost of funding earning assets | 0.7605% | 3,836 |
| Net interest margin | 3.4470% | 2,307 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 3.3765% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6697% | 3,266 |
| Return on assets (ROA) | 0.5936% | 3,448 |
| Pretax return on assets | 0.5936% | 3,642 |
| Return on Equity (ROE) | 33.8200% | 135 |
| Retained earnings to average equity (ytd only) | 33.8152% | 37 |
| Net charge-offs to loans | 0.4307% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 4.8303% | 2,559 |
| Efficiency ratio | 83.4493% | 694 |
| Assets per employee ($millions) | 3.0557% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,461 |
| Loan loss allowance to noncurrent loans | 1,233.8028% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,448 |
| Noncurrent loans to loans | 0.0948% | 3,071 |
| Net loans and leases to total assets | 32.7500% | 4,239 |
| Net loans and leases to deposits | 33.7575% | 4,309 |
| Net loans and leases to core deposits | 34.5437% | 4,356 |
| Total domestic deposits to total assets | 97.0000% | 30 |
| Equity capital to assets | 2.5875% | 4,551 |
| Core capital (leverage) ratio | 8.3298% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8377% | 1,584 |
| Memoranda: | ||
| Average total assets | $238,026,400 | 2,747 |
| Average earning assets | $215,260,400 | 2,770 |
| Average equity | $4,178,600 | 4,340 |
| Average total loans | $76,614,800 | 3,460 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,511 |
| Cost of funding earning assets | 0.5637% | 4,039 |
| Net interest margin | 3.6126% | 1,970 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.4256% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8564% | 2,840 |
| Return on assets (ROA) | 0.7574% | 3,138 |
| Pretax return on assets | 0.7574% | 3,433 |
| Return on Equity (ROE) | 48.5400% | 74 |
| Retained earnings to average equity (ytd only) | 48.5384% | 32 |
| Net charge-offs to loans | 0.5642% | 154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.7485% | 2,379 |
| Efficiency ratio | 80.0000% | 852 |
| Assets per employee ($millions) | 2.9024% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,536 |
| Loan loss allowance to noncurrent loans | 977.7778% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,401 |
| Noncurrent loans to loans | 0.1193% | 2,968 |
| Net loans and leases to total assets | 32.9300% | 4,268 |
| Net loans and leases to deposits | 33.6429% | 4,335 |
| Net loans and leases to core deposits | 34.1592% | 4,346 |
| Total domestic deposits to total assets | 97.8800% | 40 |
| Equity capital to assets | 1.7178% | 4,554 |
| Core capital (leverage) ratio | 8.2599% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8404% | 1,612 |
| Memoranda: | ||
| Average total assets | $241,002,250 | 2,736 |
| Average earning assets | $218,081,750 | 2,767 |
| Average equity | $3,760,500 | 4,385 |
| Average total loans | $77,038,500 | 3,456 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,292 |
| Cost of funding earning assets | 0.3251% | 4,278 |
| Net interest margin | 3.8784% | 1,467 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.4636% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7988% | 3,083 |
| Return on assets (ROA) | 0.7988% | 3,089 |
| Pretax return on assets | 0.7988% | 3,400 |
| Return on Equity (ROE) | 52.8300% | 60 |
| Retained earnings to average equity (ytd only) | 52.8288% | 27 |
| Net charge-offs to loans | 0.8508% | 100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.9758% | 2,291 |
| Efficiency ratio | 81.2595% | 761 |
| Assets per employee ($millions) | 2.7679% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,762 |
| Loan loss allowance to noncurrent loans | 435.8209% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 2,912 |
| Noncurrent loans to loans | 0.2611% | 2,224 |
| Net loans and leases to total assets | 33.5300% | 4,252 |
| Net loans and leases to deposits | 34.2644% | 4,326 |
| Net loans and leases to core deposits | 34.5886% | 4,351 |
| Total domestic deposits to total assets | 97.8600% | 37 |
| Equity capital to assets | 1.7805% | 4,608 |
| Core capital (leverage) ratio | 7.5590% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8010% | 1,986 |
| Memoranda: | ||
| Average total assets | $245,873,333 | 2,716 |
| Average earning assets | $222,720,333 | 2,749 |
| Average equity | $3,717,667 | 4,417 |
| Average total loans | $77,575,000 | 3,450 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 3,159 |
| Cost of funding earning assets | 0.1241% | 4,503 |
| Net interest margin | 4.0171% | 1,232 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 3.5264% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9572% | 2,664 |
| Return on assets (ROA) | 0.9572% | 2,627 |
| Pretax return on assets | 0.9572% | 3,105 |
| Return on Equity (ROE) | 68.7300% | 45 |
| Retained earnings to average equity (ytd only) | 68.7289% | 28 |
| Net charge-offs to loans | -0.0257% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.6513% | 941 |
| Assets per employee ($millions) | 3.0561% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,162 |
| Loan loss allowance to noncurrent loans | 261.5551% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,210 |
| Noncurrent loans to loans | 0.5869% | 1,265 |
| Net loans and leases to total assets | 31.3800% | 4,340 |
| Net loans and leases to deposits | 31.9905% | 4,410 |
| Net loans and leases to core deposits | 32.1637% | 4,421 |
| Total domestic deposits to total assets | 98.0800% | 17 |
| Equity capital to assets | 1.6890% | 4,644 |
| Core capital (leverage) ratio | 6.8592% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2147% | 2,294 |
| Memoranda: | ||
| Average total assets | $255,328,000 | 2,695 |
| Average earning assets | $232,105,500 | 2,726 |
| Average equity | $3,556,000 | 4,494 |
| Average total loans | $77,871,500 | 3,483 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9245% | 4,220 |
| Cost of funding earning assets | 0.1241% | 4,261 |
| Net interest margin | 2.8003% | 3,893 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 3.0933% | 842 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 0.4726% | 4,129 |
| Return on assets (ROA) | 0.4726% | 4,095 |
| Pretax return on assets | 0.4726% | 4,204 |
| Return on Equity (ROE) | 20.6200% | 417 |
| Retained earnings to average equity (ytd only) | 20.6234% | 77 |
| Net charge-offs to loans | -0.3313% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.5444% | 315 |
| Assets per employee ($millions) | 3.0594% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 1,032 |
| Loan loss allowance to noncurrent loans | 165.4321% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 1,769 |
| Noncurrent loans to loans | 0.9485% | 782 |
| Net loans and leases to total assets | 28.7500% | 4,415 |
| Net loans and leases to deposits | 29.1570% | 4,487 |
| Net loans and leases to core deposits | 29.3046% | 4,492 |
| Total domestic deposits to total assets | 98.6200% | 23 |
| Equity capital to assets | 1.1140% | 4,675 |
| Core capital (leverage) ratio | 6.4400% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1780% | 2,681 |
| Memoranda: | ||
| Average total assets | $269,387,400 | 2,613 |
| Average earning assets | $245,720,600 | 2,637 |
| Average equity | $6,172,600 | 4,310 |
| Average total loans | $73,656,600 | 3,510 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6518% | 4,340 |
| Cost of funding earning assets | 0.1262% | 4,064 |
| Net interest margin | 2.5256% | 4,190 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.1104% | 772 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 0.3159% | 4,367 |
| Return on assets (ROA) | 0.3159% | 4,318 |
| Pretax return on assets | 0.3159% | 4,358 |
| Return on Equity (ROE) | 12.2600% | 1,953 |
| Retained earnings to average equity (ytd only) | 12.2580% | 737 |
| Net charge-offs to loans | -0.0183% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.8672% | 218 |
| Assets per employee ($millions) | 2.8035% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 2,145 |
| Loan loss allowance to noncurrent loans | 130.9973% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 1,840 |
| Noncurrent loans to loans | 0.9742% | 802 |
| Net loans and leases to total assets | 28.2300% | 4,455 |
| Net loans and leases to deposits | 28.4599% | 4,523 |
| Net loans and leases to core deposits | 28.6008% | 4,529 |
| Total domestic deposits to total assets | 99.2000% | 27 |
| Equity capital to assets | 0.5989% | 4,706 |
| Core capital (leverage) ratio | 6.0919% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9970% | 2,815 |
| Memoranda: | ||
| Average total assets | $270,957,250 | 2,619 |
| Average earning assets | $247,221,750 | 2,648 |
| Average equity | $6,983,000 | 4,255 |
| Average total loans | $72,856,250 | 3,536 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4884% | 4,385 |
| Cost of funding earning assets | 0.1255% | 3,906 |
| Net interest margin | 2.3629% | 4,268 |
| Noninterest income to average assets | 0.7934% | 1,060 |
| Noninterest expense to average assets | 3.0694% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1204% | 4,621 |
| Return on assets (ROA) | -0.1204% | 4,591 |
| Pretax return on assets | -0.1204% | 4,579 |
| Return on Equity (ROE) | -3.7362% | 4,657 |
| Retained earnings to average equity (ytd only) | -3.7362% | 4,489 |
| Net charge-offs to loans | -0.0223% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0816% | 149 |
| Assets per employee ($millions) | 2.7102% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 909 |
| Loan loss allowance to noncurrent loans | 163.2391% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 1,834 |
| Noncurrent loans to loans | 1.0612% | 781 |
| Net loans and leases to total assets | 27.1249% | 4,534 |
| Net loans and leases to deposits | 27.3746% | 4,593 |
| Net loans and leases to core deposits | 27.5106% | 4,609 |
| Total domestic deposits to total assets | 99.0877% | 13 |
| Equity capital to assets | 0.6890% | 4,753 |
| Core capital (leverage) ratio | 5.6089% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3888% | 2,949 |
| Memoranda: | ||
| Average total assets | $272,499,000 | 2,630 |
| Average earning assets | $248,592,000 | 2,683 |
| Average equity | $8,779,000 | 4,125 |
| Average total loans | $71,754,333 | 3,589 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0641% | 4,597 |
| Cost of funding earning assets | 0.1254% | 3,831 |
| Net interest margin | 1.9386% | 4,558 |
| Noninterest income to average assets | 0.8132% | 1,011 |
| Noninterest expense to average assets | 2.9745% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3914% | 4,686 |
| Return on assets (ROA) | -0.3914% | 4,671 |
| Pretax return on assets | -0.3914% | 4,662 |
| Return on Equity (ROE) | -8.8138% | 4,735 |
| Retained earnings to average equity (ytd only) | -8.8138% | 4,542 |
| Net charge-offs to loans | -0.0113% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1515% | 101 |
| Assets per employee ($millions) | 2.7496% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 908 |
| Loan loss allowance to noncurrent loans | 163.9429% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 1,966 |
| Noncurrent loans to loans | 1.0862% | 825 |
| Net loans and leases to total assets | 25.6113% | 4,579 |
| Net loans and leases to deposits | 26.5428% | 4,630 |
| Net loans and leases to core deposits | 26.6749% | 4,642 |
| Total domestic deposits to total assets | 96.4906% | 7 |
| Equity capital to assets | 3.3467% | 4,786 |
| Core capital (leverage) ratio | 5.5066% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6744% | 2,957 |
| Memoranda: | ||
| Average total assets | $275,948,000 | 2,623 |
| Average earning assets | $251,930,500 | 2,670 |
| Average equity | $12,253,500 | 3,836 |
| Average total loans | $70,974,500 | 3,602 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0796% | 4,663 |
| Cost of funding earning assets | 0.1371% | 4,091 |
| Net interest margin | 1.9425% | 4,626 |
| Noninterest income to average assets | 0.7312% | 1,659 |
| Noninterest expense to average assets | 2.9406% | 1,078 |
| Loan and lease loss provision to assets | -0.1512% | 4,631 |
| Net operating income to assets | -0.2913% | 4,732 |
| Return on assets (ROA) | -0.2683% | 4,737 |
| Pretax return on assets | -0.2683% | 4,737 |
| Return on Equity (ROE) | -4.4050% | 4,771 |
| Retained earnings to average equity (ytd only) | -4.4050% | 4,695 |
| Net charge-offs to loans | -0.0026% | 3,411 |
| Credit loss provision to net charge-offs | 20,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7129% | 72 |
| Assets per employee ($millions) | 2.8251% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 903 |
| Loan loss allowance to noncurrent loans | 133.1224% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 1,853 |
| Noncurrent loans to loans | 1.3358% | 702 |
| Net loans and leases to total assets | 24.9231% | 4,651 |
| Net loans and leases to deposits | 26.4235% | 4,680 |
| Net loans and leases to core deposits | 26.5544% | 4,694 |
| Total domestic deposits to total assets | 94.3219% | 10 |
| Equity capital to assets | 5.5051% | 4,828 |
| Core capital (leverage) ratio | 5.5695% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9669% | 2,900 |
| Memoranda: | ||
| Average total assets | $264,636,000 | 2,635 |
| Average earning assets | $240,716,600 | 2,674 |
| Average equity | $16,118,200 | 3,529 |
| Average total loans | $78,240,600 | 3,509 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1345% | 4,735 |
| Cost of funding earning assets | 0.1395% | 4,194 |
| Net interest margin | 1.9950% | 4,682 |
| Noninterest income to average assets | 0.7482% | 1,678 |
| Noninterest expense to average assets | 2.9996% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.4385% | 4,823 |
| Return on assets (ROA) | -0.4073% | 4,826 |
| Pretax return on assets | -0.4073% | 4,824 |
| Return on Equity (ROE) | -6.5199% | 4,863 |
| Retained earnings to average equity (ytd only) | -6.5199% | 4,813 |
| Net charge-offs to loans | 0.0017% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -858.0000% | 2,459 |
| Efficiency ratio | 117.1223% | 81 |
| Assets per employee ($millions) | 2.6160% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3081% | 385 |
| Loan loss allowance to noncurrent loans | 133.6825% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 1,655 |
| Noncurrent loans to loans | 1.7266% | 581 |
| Net loans and leases to total assets | 25.8090% | 4,709 |
| Net loans and leases to deposits | 27.4975% | 4,747 |
| Net loans and leases to core deposits | 27.6377% | 4,760 |
| Total domestic deposits to total assets | 93.8593% | 12 |
| Equity capital to assets | 5.8721% | 4,895 |
| Core capital (leverage) ratio | 5.7582% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7409% | 2,792 |
| Memoranda: | ||
| Average total assets | $260,873,000 | 2,685 |
| Average earning assets | $237,057,000 | 2,720 |
| Average equity | $16,298,500 | 3,564 |
| Average total loans | $80,058,500 | 3,524 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2071% | 4,761 |
| Cost of funding earning assets | 0.1432% | 4,261 |
| Net interest margin | 2.0639% | 4,673 |
| Noninterest income to average assets | 0.8066% | 1,519 |
| Noninterest expense to average assets | 3.0170% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.3383% | 4,847 |
| Return on assets (ROA) | -0.2909% | 4,846 |
| Pretax return on assets | -0.2909% | 4,846 |
| Return on Equity (ROE) | -4.5593% | 4,877 |
| Retained earnings to average equity (ytd only) | -4.5593% | 4,779 |
| Net charge-offs to loans | 0.0024% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -435.0000% | 2,242 |
| Efficiency ratio | 112.6307% | 96 |
| Assets per employee ($millions) | 2.5628% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0955% | 509 |
| Loan loss allowance to noncurrent loans | 112.5509% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 1,497 |
| Noncurrent loans to loans | 1.8618% | 545 |
| Net loans and leases to total assets | 29.0815% | 4,681 |
| Net loans and leases to deposits | 31.0323% | 4,738 |
| Net loans and leases to core deposits | 31.2252% | 4,756 |
| Total domestic deposits to total assets | 93.7136% | 14 |
| Equity capital to assets | 6.0091% | 4,919 |
| Core capital (leverage) ratio | 6.0263% | 4,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4658% | 2,868 |
| Memoranda: | ||
| Average total assets | $257,141,333 | 2,702 |
| Average earning assets | $233,247,667 | 2,737 |
| Average equity | $16,406,000 | 3,567 |
| Average total loans | $82,785,667 | 3,500 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1928% | 4,797 |
| Cost of funding earning assets | 0.1488% | 4,314 |
| Net interest margin | 2.0441% | 4,710 |
| Noninterest income to average assets | 0.8730% | 1,402 |
| Noninterest expense to average assets | 2.7538% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0301% | 4,781 |
| Return on assets (ROA) | -0.0301% | 4,788 |
| Pretax return on assets | -0.0301% | 4,792 |
| Return on Equity (ROE) | -0.4578% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.4578% | 4,406 |
| Net charge-offs to loans | -0.0142% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1053% | 181 |
| Assets per employee ($millions) | 2.7246% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 602 |
| Loan loss allowance to noncurrent loans | 99.2836% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 1,441 |
| Noncurrent loans to loans | 2.0091% | 537 |
| Net loans and leases to total assets | 31.9032% | 4,634 |
| Net loans and leases to deposits | 34.1179% | 4,725 |
| Net loans and leases to core deposits | 34.3392% | 4,751 |
| Total domestic deposits to total assets | 93.5088% | 17 |
| Equity capital to assets | 6.2195% | 4,925 |
| Core capital (leverage) ratio | 6.3703% | 4,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9441% | 2,690 |
| Memoranda: | ||
| Average total assets | $252,448,500 | 2,715 |
| Average earning assets | $228,564,000 | 2,759 |
| Average equity | $16,601,000 | 3,550 |
| Average total loans | $84,594,000 | 3,488 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7740% | 4,761 |
| Cost of funding earning assets | 0.1704% | 4,675 |
| Net interest margin | 2.6036% | 4,499 |
| Noninterest income to average assets | 1.0190% | 1,017 |
| Noninterest expense to average assets | 3.5503% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0206% | 4,717 |
| Return on assets (ROA) | 0.1450% | 4,678 |
| Pretax return on assets | -0.0501% | 4,781 |
| Return on Equity (ROE) | 1.9535% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.9535% | 3,847 |
| Net charge-offs to loans | -0.3947% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2085% | 135 |
| Assets per employee ($millions) | 2.4878% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 676 |
| Loan loss allowance to noncurrent loans | 95.0660% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 1,436 |
| Noncurrent loans to loans | 2.0311% | 557 |
| Net loans and leases to total assets | 33.8284% | 4,654 |
| Net loans and leases to deposits | 36.4704% | 4,735 |
| Net loans and leases to core deposits | 36.6759% | 4,766 |
| Total domestic deposits to total assets | 92.7559% | 21 |
| Equity capital to assets | 6.9430% | 4,920 |
| Core capital (leverage) ratio | 6.6464% | 4,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0647% | 2,604 |
| Memoranda: | ||
| Average total assets | $225,504,400 | 2,760 |
| Average earning assets | $201,262,400 | 2,813 |
| Average equity | $16,739,600 | 3,480 |
| Average total loans | $86,655,000 | 3,459 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9519% | 4,767 |
| Cost of funding earning assets | 0.1727% | 4,750 |
| Net interest margin | 2.7792% | 4,368 |
| Noninterest income to average assets | 0.9881% | 1,038 |
| Noninterest expense to average assets | 3.7240% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0375% | 4,747 |
| Return on assets (ROA) | 0.1693% | 4,669 |
| Pretax return on assets | -0.0977% | 4,812 |
| Return on Equity (ROE) | 2.2401% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.2401% | 3,848 |
| Net charge-offs to loans | -0.5188% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6491% | 121 |
| Assets per employee ($millions) | 2.2837% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 603 |
| Loan loss allowance to noncurrent loans | 95.3837% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 1,472 |
| Noncurrent loans to loans | 1.9781% | 615 |
| Net loans and leases to total assets | 36.5428% | 4,661 |
| Net loans and leases to deposits | 39.5469% | 4,761 |
| Net loans and leases to core deposits | 39.7009% | 4,788 |
| Total domestic deposits to total assets | 92.4037% | 31 |
| Equity capital to assets | 7.3195% | 4,895 |
| Core capital (leverage) ratio | 7.0186% | 4,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1027% | 2,573 |
| Memoranda: | ||
| Average total assets | $219,685,000 | 2,785 |
| Average earning assets | $195,352,750 | 2,854 |
| Average equity | $16,606,250 | 3,495 |
| Average total loans | $86,864,750 | 3,470 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1205% | 4,778 |
| Cost of funding earning assets | 0.1759% | 4,818 |
| Net interest margin | 2.9446% | 4,232 |
| Noninterest income to average assets | 1.1487% | 759 |
| Noninterest expense to average assets | 3.8293% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0149% | 4,767 |
| Return on assets (ROA) | 0.2555% | 4,543 |
| Pretax return on assets | 0.1669% | 4,665 |
| Return on Equity (ROE) | 3.3409% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.3409% | 3,256 |
| Net charge-offs to loans | -0.8266% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9613% | 159 |
| Assets per employee ($millions) | 2.1397% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 523 |
| Loan loss allowance to noncurrent loans | 94.2005% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 918 |
| Noncurrent loans to loans | 2.0269% | 660 |
| Net loans and leases to total assets | 37.8962% | 4,672 |
| Net loans and leases to deposits | 41.1281% | 4,765 |
| Net loans and leases to core deposits | 41.2448% | 4,809 |
| Total domestic deposits to total assets | 92.1417% | 42 |
| Equity capital to assets | 7.5585% | 4,861 |
| Core capital (leverage) ratio | 7.4556% | 4,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1540% | 2,545 |
| Memoranda: | ||
| Average total assets | $214,506,667 | 2,796 |
| Average earning assets | $189,908,333 | 2,869 |
| Average equity | $16,402,667 | 3,520 |
| Average total loans | $86,616,667 | 3,476 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3529% | 4,773 |
| Cost of funding earning assets | 0.1807% | 4,927 |
| Net interest margin | 3.1722% | 3,928 |
| Noninterest income to average assets | 1.3458% | 492 |
| Noninterest expense to average assets | 4.0238% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1190% | 4,636 |
| Return on assets (ROA) | 0.2131% | 4,521 |
| Pretax return on assets | 0.2131% | 4,554 |
| Return on Equity (ROE) | 2.7694% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.7694% | 3,175 |
| Net charge-offs to loans | -1.5747% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1270% | 292 |
| Assets per employee ($millions) | 1.6929% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 611 |
| Loan loss allowance to noncurrent loans | 89.2607% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 828 |
| Noncurrent loans to loans | 2.1233% | 637 |
| Net loans and leases to total assets | 41.7976% | 4,600 |
| Net loans and leases to deposits | 45.4938% | 4,731 |
| Net loans and leases to core deposits | 45.5570% | 4,783 |
| Total domestic deposits to total assets | 91.8755% | 48 |
| Equity capital to assets | 7.8003% | 5,000 |
| Core capital (leverage) ratio | 7.8297% | 5,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7622% | 2,369 |
| Memoranda: | ||
| Average total assets | $208,358,000 | 2,805 |
| Average earning assets | $183,722,500 | 2,886 |
| Average equity | $16,032,500 | 3,556 |
| Average total loans | $86,113,500 | 3,483 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,715 |
| Cost of funding earning assets | 0.1922% | 4,977 |
| Net interest margin | 3.4758% | 3,520 |
| Noninterest income to average assets | 1.2186% | 635 |
| Noninterest expense to average assets | 3.8269% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4690% | 4,470 |
| Return on assets (ROA) | 0.5762% | 4,285 |
| Pretax return on assets | 0.5762% | 4,452 |
| Return on Equity (ROE) | 8.2458% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.2458% | 901 |
| Net charge-offs to loans | -0.0908% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0822% | 389 |
| Assets per employee ($millions) | 1.8109% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,090 |
| Loan loss allowance to noncurrent loans | 63.9591% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 727 |
| Noncurrent loans to loans | 2.4201% | 462 |
| Net loans and leases to total assets | 39.4758% | 4,750 |
| Net loans and leases to deposits | 42.8506% | 4,853 |
| Net loans and leases to core deposits | 42.9080% | 4,894 |
| Total domestic deposits to total assets | 92.1243% | 31 |
| Equity capital to assets | 7.5925% | 5,103 |
| Core capital (leverage) ratio | 7.7322% | 5,081 |
| Tier 1 risk-based capital ratio | 12.2351% | 4,222 |
| Total risk-based capital ratio | 13.2514% | 4,236 |
| Memoranda: | ||
| Average total assets | $212,784,600 | 2,729 |
| Average earning assets | $188,387,400 | 2,812 |
| Average equity | $14,868,200 | 3,651 |
| Average total loans | $89,198,800 | 3,415 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,728 |
| Cost of funding earning assets | 0.1937% | 5,047 |
| Net interest margin | 3.5547% | 3,389 |
| Noninterest income to average assets | 1.2306% | 603 |
| Noninterest expense to average assets | 3.9327% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4457% | 4,630 |
| Return on assets (ROA) | 0.4457% | 4,665 |
| Pretax return on assets | 0.4457% | 4,756 |
| Return on Equity (ROE) | 6.5184% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.5184% | 2,105 |
| Net charge-offs to loans | -0.1211% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8213% | 328 |
| Assets per employee ($millions) | 1.8575% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,305 |
| Loan loss allowance to noncurrent loans | 68.0103% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 843 |
| Noncurrent loans to loans | 2.1766% | 592 |
| Net loans and leases to total assets | 42.4787% | 4,742 |
| Net loans and leases to deposits | 46.2162% | 4,867 |
| Net loans and leases to core deposits | 46.2800% | 4,915 |
| Total domestic deposits to total assets | 91.9129% | 40 |
| Equity capital to assets | 7.6472% | 5,180 |
| Core capital (leverage) ratio | 7.3900% | 5,200 |
| Tier 1 risk-based capital ratio | 11.3634% | 4,736 |
| Total risk-based capital ratio | 12.3407% | 4,758 |
| Memoranda: | ||
| Average total assets | $213,011,000 | 2,741 |
| Average earning assets | $188,627,500 | 2,831 |
| Average equity | $14,563,500 | 3,713 |
| Average total loans | $90,259,500 | 3,432 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,792 |
| Cost of funding earning assets | 0.1927% | 5,084 |
| Net interest margin | 3.5411% | 3,464 |
| Noninterest income to average assets | 1.2504% | 554 |
| Noninterest expense to average assets | 3.9566% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4357% | 4,663 |
| Return on assets (ROA) | 0.4357% | 4,688 |
| Pretax return on assets | 0.4357% | 4,783 |
| Return on Equity (ROE) | 6.6232% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.6232% | 1,993 |
| Net charge-offs to loans | 0.2998% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.4485% | 2,841 |
| Efficiency ratio | 90.0804% | 349 |
| Assets per employee ($millions) | 1.9003% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,537 |
| Loan loss allowance to noncurrent loans | 53.1205% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 831 |
| Noncurrent loans to loans | 2.2546% | 588 |
| Net loans and leases to total assets | 42.5601% | 4,764 |
| Net loans and leases to deposits | 46.0544% | 4,898 |
| Net loans and leases to core deposits | 46.3233% | 4,949 |
| Total domestic deposits to total assets | 92.4128% | 26 |
| Equity capital to assets | 7.2456% | 5,252 |
| Core capital (leverage) ratio | 7.1135% | 5,261 |
| Tier 1 risk-based capital ratio | 10.6082% | 5,070 |
| Total risk-based capital ratio | 11.3825% | 5,140 |
| Memoranda: | ||
| Average total assets | $215,287,670 | 2,732 |
| Average earning assets | $191,012,670 | 2,816 |
| Average equity | $14,162,330 | 3,765 |
| Average total loans | $90,713,000 | 3,445 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 4,909 |
| Cost of funding earning assets | 0.1934% | 5,130 |
| Net interest margin | 3.4546% | 3,736 |
| Noninterest income to average assets | 1.3505% | 472 |
| Noninterest expense to average assets | 3.7928% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6263% | 4,157 |
| Return on assets (ROA) | 0.6263% | 4,199 |
| Pretax return on assets | 0.6263% | 4,466 |
| Return on Equity (ROE) | 10.0200% | 2,363 |
| Retained earnings to average equity (ytd only) | 10.0200% | 1,030 |
| Net charge-offs to loans | 0.6073% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.4745% | 2,492 |
| Efficiency ratio | 85.8278% | 592 |
| Assets per employee ($millions) | 1.8793% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,572 |
| Loan loss allowance to noncurrent loans | 52.4379% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3923% | 905 |
| Noncurrent loans to loans | 2.2891% | 605 |
| Net loans and leases to total assets | 41.7779% | 4,837 |
| Net loans and leases to deposits | 44.8714% | 4,963 |
| Net loans and leases to core deposits | 45.1275% | 5,017 |
| Total domestic deposits to total assets | 93.1058% | 20 |
| Equity capital to assets | 6.5527% | 5,332 |
| Core capital (leverage) ratio | 7.0631% | 5,316 |
| Tier 1 risk-based capital ratio | 10.5630% | 5,165 |
| Total risk-based capital ratio | 11.3408% | 5,219 |
| Memoranda: | ||
| Average total assets | $216,515,000 | 2,750 |
| Average earning assets | $192,322,000 | 2,829 |
| Average equity | $13,533,000 | 3,865 |
| Average total loans | $90,229,500 | 3,487 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 4,967 |
| Cost of funding earning assets | 0.2183% | 4,931 |
| Net interest margin | 3.2286% | 4,430 |
| Noninterest income to average assets | 1.3214% | 530 |
| Noninterest expense to average assets | 3.9919% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1812% | 5,125 |
| Return on assets (ROA) | 0.1826% | 5,120 |
| Pretax return on assets | 0.1826% | 5,126 |
| Return on Equity (ROE) | 3.1585% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.1585% | 3,815 |
| Net charge-offs to loans | -0.0709% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6575% | 216 |
| Assets per employee ($millions) | 1.7926% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,696 |
| Loan loss allowance to noncurrent loans | 47.7924% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 644 |
| Noncurrent loans to loans | 2.8988% | 362 |
| Net loans and leases to total assets | 40.4950% | 4,927 |
| Net loans and leases to deposits | 43.1868% | 5,045 |
| Net loans and leases to core deposits | 43.6361% | 5,082 |
| Total domestic deposits to total assets | 93.7669% | 15 |
| Equity capital to assets | 5.9491% | 5,381 |
| Core capital (leverage) ratio | 6.9637% | 5,358 |
| Tier 1 risk-based capital ratio | 10.2890% | 5,246 |
| Total risk-based capital ratio | 11.1631% | 5,282 |
| Memoranda: | ||
| Average total assets | $215,762,200 | 2,728 |
| Average earning assets | $190,577,200 | 2,826 |
| Average equity | $12,474,400 | 3,963 |
| Average total loans | $84,683,000 | 3,579 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 5,042 |
| Cost of funding earning assets | 0.2231% | 4,926 |
| Net interest margin | 3.1705% | 4,571 |
| Noninterest income to average assets | 1.3724% | 503 |
| Noninterest expense to average assets | 4.0443% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1244% | 5,240 |
| Return on assets (ROA) | 0.1262% | 5,232 |
| Pretax return on assets | 0.1262% | 5,239 |
| Return on Equity (ROE) | 2.1993% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.1993% | 4,507 |
| Net charge-offs to loans | -0.1452% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0165% | 188 |
| Assets per employee ($millions) | 1.8192% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,614 |
| Loan loss allowance to noncurrent loans | 43.8627% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6808% | 736 |
| Noncurrent loans to loans | 3.2440% | 319 |
| Net loans and leases to total assets | 41.5293% | 4,983 |
| Net loans and leases to deposits | 44.2252% | 5,107 |
| Net loans and leases to core deposits | 44.6948% | 5,150 |
| Total domestic deposits to total assets | 93.9041% | 15 |
| Equity capital to assets | 5.7178% | 5,454 |
| Core capital (leverage) ratio | 6.9043% | 5,432 |
| Tier 1 risk-based capital ratio | 10.1443% | 5,350 |
| Total risk-based capital ratio | 11.0405% | 5,379 |
| Memoranda: | ||
| Average total assets | $215,476,250 | 2,744 |
| Average earning assets | $190,037,000 | 2,842 |
| Average equity | $12,367,000 | 4,009 |
| Average total loans | $83,586,250 | 3,631 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 5,132 |
| Cost of funding earning assets | 0.2273% | 4,875 |
| Net interest margin | 3.0819% | 4,765 |
| Noninterest income to average assets | 1.3754% | 500 |
| Noninterest expense to average assets | 3.9943% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0931% | 5,296 |
| Return on assets (ROA) | 0.0949% | 5,289 |
| Pretax return on assets | 0.0949% | 5,292 |
| Return on Equity (ROE) | 1.6523% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.6523% | 4,586 |
| Net charge-offs to loans | -0.2396% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7221% | 195 |
| Assets per employee ($millions) | 1.8904% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,419 |
| Loan loss allowance to noncurrent loans | 42.9247% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.0592% | 511 |
| Noncurrent loans to loans | 3.4796% | 283 |
| Net loans and leases to total assets | 39.5902% | 5,066 |
| Net loans and leases to deposits | 42.1798% | 5,189 |
| Net loans and leases to core deposits | 42.6253% | 5,224 |
| Total domestic deposits to total assets | 93.8605% | 19 |
| Equity capital to assets | 5.7526% | 5,511 |
| Core capital (leverage) ratio | 6.6608% | 5,497 |
| Tier 1 risk-based capital ratio | 10.3108% | 5,339 |
| Total risk-based capital ratio | 11.2342% | 5,376 |
| Memoranda: | ||
| Average total assets | $216,959,330 | 2,751 |
| Average earning assets | $190,919,670 | 2,844 |
| Average equity | $12,467,330 | 4,015 |
| Average total loans | $81,814,000 | 3,677 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1845% | 5,247 |
| Cost of funding earning assets | 0.2285% | 4,842 |
| Net interest margin | 2.9560% | 4,946 |
| Noninterest income to average assets | 1.2460% | 601 |
| Noninterest expense to average assets | 4.0679% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2295% | 5,456 |
| Return on assets (ROA) | -0.2295% | 5,450 |
| Pretax return on assets | -0.2295% | 5,449 |
| Return on Equity (ROE) | -3.9965% | 5,485 |
| Retained earnings to average equity (ytd only) | -3.9965% | 5,140 |
| Net charge-offs to loans | -0.0200% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9801% | 127 |
| Assets per employee ($millions) | 1.8454% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,551 |
| Loan loss allowance to noncurrent loans | 29.7700% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 180 |
| Noncurrent loans to loans | 4.9613% | 153 |
| Net loans and leases to total assets | 36.0859% | 5,205 |
| Net loans and leases to deposits | 38.3502% | 5,309 |
| Net loans and leases to core deposits | 38.8616% | 5,335 |
| Total domestic deposits to total assets | 94.0957% | 17 |
| Equity capital to assets | 5.5456% | 5,578 |
| Core capital (leverage) ratio | 6.4733% | 5,555 |
| Tier 1 risk-based capital ratio | 10.2110% | 5,440 |
| Total risk-based capital ratio | 11.0727% | 5,488 |
| Memoranda: | ||
| Average total assets | $219,574,500 | 2,760 |
| Average earning assets | $192,556,500 | 2,855 |
| Average equity | $12,611,000 | 4,029 |
| Average total loans | $80,173,500 | 3,743 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1050% | 5,285 |
| Cost of funding earning assets | 0.2503% | 4,559 |
| Net interest margin | 2.8547% | 5,101 |
| Noninterest income to average assets | 1.3056% | 622 |
| Noninterest expense to average assets | 3.8372% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0424% | 5,391 |
| Return on assets (ROA) | -0.0420% | 5,393 |
| Pretax return on assets | -0.0420% | 5,454 |
| Return on Equity (ROE) | -0.7132% | 5,412 |
| Retained earnings to average equity (ytd only) | -0.7132% | 5,145 |
| Net charge-offs to loans | 0.1006% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -1.1875% | 4,046 |
| Efficiency ratio | 101.1174% | 157 |
| Assets per employee ($millions) | 1.9085% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,562 |
| Loan loss allowance to noncurrent loans | 29.7441% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 3.6871% | 174 |
| Noncurrent loans to loans | 4.8977% | 145 |
| Net loans and leases to total assets | 35.8709% | 5,290 |
| Net loans and leases to deposits | 38.2509% | 5,385 |
| Net loans and leases to core deposits | 38.8674% | 5,403 |
| Total domestic deposits to total assets | 93.7780% | 18 |
| Equity capital to assets | 5.9379% | 5,634 |
| Core capital (leverage) ratio | 6.5499% | 5,619 |
| Tier 1 risk-based capital ratio | 10.3172% | 5,443 |
| Total risk-based capital ratio | 11.1725% | 5,506 |
| Memoranda: | ||
| Average total assets | $224,042,600 | 2,693 |
| Average earning assets | $195,361,800 | 2,810 |
| Average equity | $13,179,200 | 3,961 |
| Average total loans | $79,524,800 | 3,758 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1000% | 5,333 |
| Cost of funding earning assets | 0.2562% | 4,511 |
| Net interest margin | 2.8438% | 5,165 |
| Noninterest income to average assets | 1.1915% | 727 |
| Noninterest expense to average assets | 3.8865% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2189% | 5,586 |
| Return on assets (ROA) | -0.2189% | 5,586 |
| Pretax return on assets | -0.2189% | 5,581 |
| Return on Equity (ROE) | -3.7307% | 5,618 |
| Retained earnings to average equity (ytd only) | -3.7307% | 5,510 |
| Net charge-offs to loans | 0.0622% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -9.9734% | 3,767 |
| Efficiency ratio | 105.9699% | 117 |
| Assets per employee ($millions) | 1.8739% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,260 |
| Loan loss allowance to noncurrent loans | 30.1910% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 3.7025% | 189 |
| Noncurrent loans to loans | 5.2721% | 143 |
| Net loans and leases to total assets | 34.9148% | 5,387 |
| Net loans and leases to deposits | 37.4225% | 5,471 |
| Net loans and leases to core deposits | 38.2866% | 5,488 |
| Total domestic deposits to total assets | 93.2989% | 19 |
| Equity capital to assets | 6.2900% | 5,696 |
| Core capital (leverage) ratio | 6.3083% | 5,688 |
| Tier 1 risk-based capital ratio | 10.3082% | 5,510 |
| Total risk-based capital ratio | 11.2114% | 5,572 |
| Memoranda: | ||
| Average total assets | $224,705,500 | 2,708 |
| Average earning assets | $195,648,750 | 2,835 |
| Average equity | $13,187,500 | 4,002 |
| Average total loans | $79,258,750 | 3,794 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0379% | 5,406 |
| Cost of funding earning assets | 0.2553% | 4,495 |
| Net interest margin | 2.7826% | 5,268 |
| Noninterest income to average assets | 1.1617% | 750 |
| Noninterest expense to average assets | 3.8196% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2362% | 5,630 |
| Return on assets (ROA) | -0.2362% | 5,629 |
| Pretax return on assets | -0.2362% | 5,618 |
| Return on Equity (ROE) | -4.1179% | 5,673 |
| Retained earnings to average equity (ytd only) | -4.1179% | 5,495 |
| Net charge-offs to loans | 0.0025% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -269.0000% | 3,511 |
| Efficiency ratio | 106.5915% | 129 |
| Assets per employee ($millions) | 1.9440% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,247 |
| Loan loss allowance to noncurrent loans | 30.5759% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 3.9917% | 172 |
| Noncurrent loans to loans | 5.2606% | 134 |
| Net loans and leases to total assets | 33.6990% | 5,457 |
| Net loans and leases to deposits | 35.9974% | 5,541 |
| Net loans and leases to core deposits | 36.7793% | 5,555 |
| Total domestic deposits to total assets | 93.6152% | 17 |
| Equity capital to assets | 6.0234% | 5,746 |
| Core capital (leverage) ratio | 6.2010% | 5,738 |
| Tier 1 risk-based capital ratio | 10.2089% | 5,575 |
| Total risk-based capital ratio | 11.1250% | 5,622 |
| Memoranda: | ||
| Average total assets | $227,773,330 | 2,699 |
| Average earning assets | $198,229,670 | 2,821 |
| Average equity | $13,065,000 | 4,024 |
| Average total loans | $80,192,000 | 3,792 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9860% | 5,472 |
| Cost of funding earning assets | 0.2566% | 4,482 |
| Net interest margin | 2.7294% | 5,350 |
| Noninterest income to average assets | 1.1863% | 725 |
| Noninterest expense to average assets | 3.6940% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1369% | 5,661 |
| Return on assets (ROA) | -0.1369% | 5,664 |
| Pretax return on assets | -0.1369% | 5,655 |
| Return on Equity (ROE) | -2.4475% | 5,695 |
| Retained earnings to average equity (ytd only) | -2.4475% | 5,215 |
| Net charge-offs to loans | 0.2311% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -1.6596% | 2,885 |
| Efficiency ratio | 103.8481% | 177 |
| Assets per employee ($millions) | 2.0642% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 1,724 |
| Loan loss allowance to noncurrent loans | 27.6138% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 4.4512% | 151 |
| Noncurrent loans to loans | 5.4009% | 141 |
| Net loans and leases to total assets | 35.1114% | 5,435 |
| Net loans and leases to deposits | 37.3994% | 5,539 |
| Net loans and leases to core deposits | 38.2105% | 5,569 |
| Total domestic deposits to total assets | 93.8822% | 17 |
| Equity capital to assets | 5.7491% | 5,818 |
| Core capital (leverage) ratio | 6.3127% | 5,801 |
| Tier 1 risk-based capital ratio | 10.1757% | 5,658 |
| Total risk-based capital ratio | 11.0441% | 5,720 |
| Memoranda: | ||
| Average total assets | $227,937,000 | 2,722 |
| Average earning assets | $197,993,000 | 2,850 |
| Average equity | $12,747,500 | 4,097 |
| Average total loans | $81,338,000 | 3,787 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 5,375 |
| Cost of funding earning assets | 0.2845% | 4,216 |
| Net interest margin | 2.8463% | 5,211 |
| Noninterest income to average assets | 1.3216% | 654 |
| Noninterest expense to average assets | 3.7817% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0572% | 5,668 |
| Return on assets (ROA) | -0.0091% | 5,668 |
| Pretax return on assets | -0.0091% | 5,660 |
| Return on Equity (ROE) | -0.1507% | 5,669 |
| Retained earnings to average equity (ytd only) | -0.1507% | 5,327 |
| Net charge-offs to loans | 0.3011% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.5097% | 4,162 |
| Efficiency ratio | 101.5367% | 204 |
| Assets per employee ($millions) | 2.0992% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,553 |
| Loan loss allowance to noncurrent loans | 28.8608% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 4.7694% | 136 |
| Noncurrent loans to loans | 5.3153% | 139 |
| Net loans and leases to total assets | 35.1775% | 5,513 |
| Net loans and leases to deposits | 37.3290% | 5,615 |
| Net loans and leases to core deposits | 38.1288% | 5,634 |
| Total domestic deposits to total assets | 94.2364% | 20 |
| Equity capital to assets | 5.4372% | 5,869 |
| Core capital (leverage) ratio | 6.3494% | 5,845 |
| Tier 1 risk-based capital ratio | 10.3622% | 5,632 |
| Total risk-based capital ratio | 11.2713% | 5,688 |
| Memoranda: | ||
| Average total assets | $230,634,800 | 2,662 |
| Average earning assets | $194,707,200 | 2,854 |
| Average equity | $13,932,200 | 3,949 |
| Average total loans | $86,014,600 | 3,663 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 5,370 |
| Cost of funding earning assets | 0.2890% | 4,221 |
| Net interest margin | 2.9025% | 5,186 |
| Noninterest income to average assets | 1.3501% | 646 |
| Noninterest expense to average assets | 3.7156% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0681% | 5,660 |
| Return on assets (ROA) | 0.1321% | 5,638 |
| Pretax return on assets | 0.1321% | 5,646 |
| Return on Equity (ROE) | 2.1344% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.1344% | 4,623 |
| Net charge-offs to loans | 0.0536% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.3711% | 3,429 |
| Efficiency ratio | 98.2007% | 257 |
| Assets per employee ($millions) | 2.0556% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 1,020 |
| Loan loss allowance to noncurrent loans | 28.7605% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 5.3570% | 123 |
| Noncurrent loans to loans | 6.2452% | 107 |
| Net loans and leases to total assets | 35.7379% | 5,562 |
| Net loans and leases to deposits | 38.4302% | 5,667 |
| Net loans and leases to core deposits | 39.2824% | 5,698 |
| Total domestic deposits to total assets | 92.9943% | 35 |
| Equity capital to assets | 6.6090% | 5,914 |
| Core capital (leverage) ratio | 6.3637% | 5,914 |
| Tier 1 risk-based capital ratio | 10.6495% | 5,546 |
| Total risk-based capital ratio | 11.7302% | 5,552 |
| Memoranda: | ||
| Average total assets | $231,090,000 | 2,661 |
| Average earning assets | $193,759,750 | 2,871 |
| Average equity | $14,305,000 | 3,937 |
| Average total loans | $87,082,000 | 3,655 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 5,435 |
| Cost of funding earning assets | 0.2867% | 4,279 |
| Net interest margin | 2.9092% | 5,252 |
| Noninterest income to average assets | 1.3895% | 598 |
| Noninterest expense to average assets | 3.7362% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1031% | 5,664 |
| Return on assets (ROA) | 0.1315% | 5,678 |
| Pretax return on assets | 0.1315% | 5,687 |
| Return on Equity (ROE) | 2.1714% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.1714% | 4,485 |
| Net charge-offs to loans | 0.0316% | 2,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,507 |
| Efficiency ratio | 97.3142% | 306 |
| Assets per employee ($millions) | 2.1425% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,256 |
| Loan loss allowance to noncurrent loans | 27.8707% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 5.0697% | 147 |
| Noncurrent loans to loans | 6.1359% | 115 |
| Net loans and leases to total assets | 37.2584% | 5,547 |
| Net loans and leases to deposits | 40.0017% | 5,692 |
| Net loans and leases to core deposits | 40.8648% | 5,714 |
| Total domestic deposits to total assets | 93.1420% | 30 |
| Equity capital to assets | 6.5252% | 5,988 |
| Core capital (leverage) ratio | 6.2255% | 5,996 |
| Tier 1 risk-based capital ratio | 10.1341% | 5,806 |
| Total risk-based capital ratio | 11.1831% | 5,821 |
| Memoranda: | ||
| Average total assets | $232,748,000 | 2,658 |
| Average earning assets | $195,995,670 | 2,856 |
| Average equity | $14,092,000 | 3,980 |
| Average total loans | $88,680,330 | 3,639 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2402% | 5,426 |
| Cost of funding earning assets | 0.2885% | 4,292 |
| Net interest margin | 2.9517% | 5,212 |
| Noninterest income to average assets | 1.3863% | 578 |
| Noninterest expense to average assets | 3.6894% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1868% | 5,554 |
| Return on assets (ROA) | 0.2433% | 5,511 |
| Pretax return on assets | 0.2433% | 5,589 |
| Return on Equity (ROE) | 4.1800% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.1800% | 3,393 |
| Net charge-offs to loans | -0.0493% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1813% | 416 |
| Assets per employee ($millions) | 2.1014% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 1,300 |
| Loan loss allowance to noncurrent loans | 32.2956% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 4.8377% | 177 |
| Noncurrent loans to loans | 5.3430% | 175 |
| Net loans and leases to total assets | 37.2360% | 5,588 |
| Net loans and leases to deposits | 39.7664% | 5,723 |
| Net loans and leases to core deposits | 40.7076% | 5,755 |
| Total domestic deposits to total assets | 93.6369% | 25 |
| Equity capital to assets | 6.0163% | 6,069 |
| Core capital (leverage) ratio | 6.3453% | 6,046 |
| Tier 1 risk-based capital ratio | 10.2161% | 5,858 |
| Total risk-based capital ratio | 11.2921% | 5,845 |
| Memoranda: | ||
| Average total assets | $233,424,500 | 2,662 |
| Average earning assets | $196,902,000 | 2,860 |
| Average equity | $13,588,500 | 4,064 |
| Average total loans | $89,163,500 | 3,638 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 5,413 |
| Cost of funding earning assets | 0.3180% | 4,059 |
| Net interest margin | 2.9431% | 5,267 |
| Noninterest income to average assets | 1.4508% | 580 |
| Noninterest expense to average assets | 4.0351% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1141% | 5,929 |
| Return on assets (ROA) | -0.0894% | 5,937 |
| Pretax return on assets | -0.0894% | 5,925 |
| Return on Equity (ROE) | -1.5152% | 5,958 |
| Retained earnings to average equity (ytd only) | -1.5152% | 5,714 |
| Net charge-offs to loans | 0.1146% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -2.6300% | 4,369 |
| Efficiency ratio | 102.2247% | 242 |
| Assets per employee ($millions) | 2.1431% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,390 |
| Loan loss allowance to noncurrent loans | 31.0933% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 4.9478% | 174 |
| Noncurrent loans to loans | 5.4097% | 171 |
| Net loans and leases to total assets | 37.8580% | 5,630 |
| Net loans and leases to deposits | 40.2494% | 5,765 |
| Net loans and leases to core deposits | 41.1959% | 5,789 |
| Total domestic deposits to total assets | 94.0586% | 24 |
| Equity capital to assets | 5.6267% | 6,130 |
| Core capital (leverage) ratio | 6.3036% | 6,107 |
| Tier 1 risk-based capital ratio | 9.9659% | 5,957 |
| Total risk-based capital ratio | 11.0183% | 5,974 |
| Memoranda: | ||
| Average total assets | $230,430,800 | 2,660 |
| Average earning assets | $193,403,400 | 2,855 |
| Average equity | $13,595,200 | 4,036 |
| Average total loans | $87,241,800 | 3,647 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 5,411 |
| Cost of funding earning assets | 0.3254% | 4,042 |
| Net interest margin | 2.9733% | 5,263 |
| Noninterest income to average assets | 1.4115% | 626 |
| Noninterest expense to average assets | 3.8808% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0192% | 5,922 |
| Return on assets (ROA) | 0.0505% | 5,936 |
| Pretax return on assets | 0.0505% | 5,934 |
| Return on Equity (ROE) | 0.8462% | 5,878 |
| Retained earnings to average equity (ytd only) | 0.8462% | 5,364 |
| Net charge-offs to loans | 0.2403% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.2115% | 3,974 |
| Efficiency ratio | 99.5087% | 311 |
| Assets per employee ($millions) | 2.0851% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,681 |
| Loan loss allowance to noncurrent loans | 28.6304% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 5.4118% | 169 |
| Noncurrent loans to loans | 5.6870% | 155 |
| Net loans and leases to total assets | 39.0902% | 5,643 |
| Net loans and leases to deposits | 41.8209% | 5,810 |
| Net loans and leases to core deposits | 42.9001% | 5,826 |
| Total domestic deposits to total assets | 93.4705% | 33 |
| Equity capital to assets | 6.1676% | 6,194 |
| Core capital (leverage) ratio | 6.2847% | 6,184 |
| Tier 1 risk-based capital ratio | 9.8197% | 6,079 |
| Total risk-based capital ratio | 10.8279% | 6,104 |
| Memoranda: | ||
| Average total assets | $229,638,750 | 2,684 |
| Average earning assets | $192,197,750 | 2,896 |
| Average equity | $13,708,000 | 4,065 |
| Average total loans | $86,565,000 | 3,705 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 5,533 |
| Cost of funding earning assets | 0.3295% | 4,056 |
| Net interest margin | 2.9209% | 5,402 |
| Noninterest income to average assets | 1.5524% | 531 |
| Noninterest expense to average assets | 3.9261% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0658% | 5,916 |
| Return on assets (ROA) | 0.1125% | 5,910 |
| Pretax return on assets | 0.1125% | 5,924 |
| Return on Equity (ROE) | 1.9051% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.9051% | 4,744 |
| Net charge-offs to loans | 0.1566% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.1343% | 3,573 |
| Efficiency ratio | 98.3525% | 370 |
| Assets per employee ($millions) | 2.0740% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 1,389 |
| Loan loss allowance to noncurrent loans | 43.7465% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 5.2073% | 200 |
| Noncurrent loans to loans | 4.0899% | 367 |
| Net loans and leases to total assets | 36.8622% | 5,782 |
| Net loans and leases to deposits | 39.2032% | 5,929 |
| Net loans and leases to core deposits | 40.3040% | 5,947 |
| Total domestic deposits to total assets | 94.0286% | 32 |
| Equity capital to assets | 5.6443% | 6,282 |
| Core capital (leverage) ratio | 6.2194% | 6,264 |
| Tier 1 risk-based capital ratio | 9.9627% | 6,100 |
| Total risk-based capital ratio | 11.0440% | 6,104 |
| Memoranda: | ||
| Average total assets | $231,121,000 | 2,693 |
| Average earning assets | $193,020,670 | 2,902 |
| Average equity | $13,647,670 | 4,105 |
| Average total loans | $85,591,670 | 3,742 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 5,542 |
| Cost of funding earning assets | 0.3348% | 4,041 |
| Net interest margin | 2.9226% | 5,400 |
| Noninterest income to average assets | 1.6910% | 449 |
| Noninterest expense to average assets | 3.8795% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2539% | 5,555 |
| Return on assets (ROA) | 0.3126% | 5,471 |
| Pretax return on assets | 0.3126% | 5,619 |
| Return on Equity (ROE) | 5.1809% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.1809% | 2,958 |
| Net charge-offs to loans | 0.0141% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 845 |
| Efficiency ratio | 93.8571% | 602 |
| Assets per employee ($millions) | 2.0867% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 1,356 |
| Loan loss allowance to noncurrent loans | 56.3528% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 5.2480% | 225 |
| Noncurrent loans to loans | 3.3097% | 610 |
| Net loans and leases to total assets | 36.9067% | 5,779 |
| Net loans and leases to deposits | 39.4962% | 5,933 |
| Net loans and leases to core deposits | 40.6161% | 5,955 |
| Total domestic deposits to total assets | 93.4436% | 47 |
| Equity capital to assets | 6.2104% | 6,326 |
| Core capital (leverage) ratio | 6.6720% | 6,272 |
| Tier 1 risk-based capital ratio | 10.4449% | 6,029 |
| Total risk-based capital ratio | 11.5409% | 6,031 |
| Memoranda: | ||
| Average total assets | $231,574,500 | 2,709 |
| Average earning assets | $193,526,000 | 2,911 |
| Average equity | $13,974,500 | 4,077 |
| Average total loans | $85,183,500 | 3,767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 5,464 |
| Cost of funding earning assets | 0.3824% | 3,880 |
| Net interest margin | 3.0472% | 5,324 |
| Noninterest income to average assets | 1.6007% | 495 |
| Noninterest expense to average assets | 4.1345% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0233% | 6,060 |
| Return on assets (ROA) | 0.1982% | 5,824 |
| Pretax return on assets | 0.1982% | 5,873 |
| Return on Equity (ROE) | 3.6885% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.6885% | 3,594 |
| Net charge-offs to loans | 1.7504% | 126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.0359% | 4,707 |
| Efficiency ratio | 99.4405% | 379 |
| Assets per employee ($millions) | 2.0674% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 1,271 |
| Loan loss allowance to noncurrent loans | 51.5006% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 5.2621% | 249 |
| Noncurrent loans to loans | 3.7266% | 529 |
| Net loans and leases to total assets | 35.2848% | 5,982 |
| Net loans and leases to deposits | 37.5932% | 6,116 |
| Net loans and leases to core deposits | 38.6351% | 6,133 |
| Total domestic deposits to total assets | 93.8596% | 39 |
| Equity capital to assets | 5.8618% | 6,420 |
| Core capital (leverage) ratio | 6.4496% | 6,376 |
| Tier 1 risk-based capital ratio | 10.4844% | 6,111 |
| Total risk-based capital ratio | 11.6438% | 6,089 |
| Memoranda: | ||
| Average total assets | $232,143,200 | 2,675 |
| Average earning assets | $194,804,600 | 2,861 |
| Average equity | $12,471,200 | 4,276 |
| Average total loans | $85,922,200 | 3,715 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4916% | 5,414 |
| Cost of funding earning assets | 0.3902% | 3,898 |
| Net interest margin | 3.1013% | 5,254 |
| Noninterest income to average assets | 1.6251% | 491 |
| Noninterest expense to average assets | 4.0084% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2180% | 5,812 |
| Return on assets (ROA) | 0.2968% | 5,668 |
| Pretax return on assets | 0.2968% | 5,782 |
| Return on Equity (ROE) | 5.6552% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.6552% | 2,634 |
| Net charge-offs to loans | 1.8767% | 111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.3117% | 4,407 |
| Efficiency ratio | 94.8414% | 553 |
| Assets per employee ($millions) | 1.9995% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2551% | 874 |
| Loan loss allowance to noncurrent loans | 52.5864% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 5.7046% | 253 |
| Noncurrent loans to loans | 4.2884% | 468 |
| Net loans and leases to total assets | 36.7931% | 6,000 |
| Net loans and leases to deposits | 39.3351% | 6,136 |
| Net loans and leases to core deposits | 40.7063% | 6,161 |
| Total domestic deposits to total assets | 93.5377% | 55 |
| Equity capital to assets | 6.0261% | 6,475 |
| Core capital (leverage) ratio | 6.4910% | 6,436 |
| Tier 1 risk-based capital ratio | 10.1669% | 6,306 |
| Total risk-based capital ratio | 11.4178% | 6,267 |
| Memoranda: | ||
| Average total assets | $231,775,000 | 2,699 |
| Average earning assets | $194,405,500 | 2,886 |
| Average equity | $12,165,500 | 4,352 |
| Average total loans | $86,391,750 | 3,742 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 5,490 |
| Cost of funding earning assets | 0.3897% | 3,995 |
| Net interest margin | 3.0753% | 5,333 |
| Noninterest income to average assets | 1.6392% | 475 |
| Noninterest expense to average assets | 3.9422% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2824% | 5,624 |
| Return on assets (ROA) | 0.3294% | 5,542 |
| Pretax return on assets | 0.3294% | 5,728 |
| Return on Equity (ROE) | 6.5857% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.5857% | 1,990 |
| Net charge-offs to loans | 2.3126% | 88 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3287% | 4,068 |
| Efficiency ratio | 93.3145% | 678 |
| Assets per employee ($millions) | 2.0639% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4089% | 805 |
| Loan loss allowance to noncurrent loans | 36.2605% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 6.7650% | 198 |
| Noncurrent loans to loans | 6.6433% | 200 |
| Net loans and leases to total assets | 37.3136% | 5,992 |
| Net loans and leases to deposits | 39.7498% | 6,166 |
| Net loans and leases to core deposits | 41.0478% | 6,191 |
| Total domestic deposits to total assets | 93.8710% | 52 |
| Equity capital to assets | 5.7226% | 6,553 |
| Core capital (leverage) ratio | 6.1504% | 6,520 |
| Tier 1 risk-based capital ratio | 9.6816% | 6,471 |
| Total risk-based capital ratio | 10.9137% | 6,456 |
| Memoranda: | ||
| Average total assets | $234,385,330 | 2,685 |
| Average earning assets | $197,056,670 | 2,871 |
| Average equity | $11,722,330 | 4,449 |
| Average total loans | $87,090,000 | 3,742 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 5,861 |
| Cost of funding earning assets | 0.3861% | 4,130 |
| Net interest margin | 2.9037% | 5,742 |
| Noninterest income to average assets | 1.6470% | 454 |
| Noninterest expense to average assets | 3.9353% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1738% | 5,871 |
| Return on assets (ROA) | 0.2447% | 5,724 |
| Pretax return on assets | 0.2447% | 5,843 |
| Return on Equity (ROE) | 5.2591% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.2591% | 2,953 |
| Net charge-offs to loans | 1.0456% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4537% | 3,345 |
| Efficiency ratio | 95.7700% | 656 |
| Assets per employee ($millions) | 2.0948% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3327% | 306 |
| Loan loss allowance to noncurrent loans | 41.3389% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 6.7269% | 233 |
| Noncurrent loans to loans | 8.0619% | 160 |
| Net loans and leases to total assets | 35.4137% | 6,098 |
| Net loans and leases to deposits | 37.4283% | 6,271 |
| Net loans and leases to core deposits | 38.7106% | 6,283 |
| Total domestic deposits to total assets | 94.6174% | 45 |
| Equity capital to assets | 4.9681% | 6,641 |
| Core capital (leverage) ratio | 6.0155% | 6,589 |
| Tier 1 risk-based capital ratio | 9.5117% | 6,546 |
| Total risk-based capital ratio | 10.7514% | 6,531 |
| Memoranda: | ||
| Average total assets | $237,032,500 | 2,667 |
| Average earning assets | $200,981,500 | 2,842 |
| Average equity | $11,028,500 | 4,606 |
| Average total loans | $86,839,000 | 3,775 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8834% | 6,437 |
| Cost of funding earning assets | 0.4112% | 4,532 |
| Net interest margin | 2.4722% | 6,394 |
| Noninterest income to average assets | 1.4197% | 694 |
| Noninterest expense to average assets | 3.9032% | 988 |
| Loan and lease loss provision to assets | 1.4242% | 103 |
| Net operating income to assets | -1.7527% | 6,696 |
| Return on assets (ROA) | -1.7588% | 6,692 |
| Pretax return on assets | -1.7588% | 6,687 |
| Return on Equity (ROE) | -28.9813% | 6,716 |
| Retained earnings to average equity (ytd only) | -28.9813% | 6,710 |
| Net charge-offs to loans | 5.6197% | 17 |
| Credit loss provision to net charge-offs | 67.8055% | 3,363 |
| Earnings coverage of net charge-offs (x) | -0.1564% | 5,137 |
| Efficiency ratio | 109.1889% | 283 |
| Assets per employee ($millions) | 2.1193% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5844% | 267 |
| Loan loss allowance to noncurrent loans | 46.1641% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 6.6356% | 267 |
| Noncurrent loans to loans | 7.7644% | 203 |
| Net loans and leases to total assets | 35.3240% | 6,231 |
| Net loans and leases to deposits | 37.0318% | 6,399 |
| Net loans and leases to core deposits | 38.2336% | 6,407 |
| Total domestic deposits to total assets | 95.3884% | 40 |
| Equity capital to assets | 4.3382% | 6,731 |
| Core capital (leverage) ratio | 5.9661% | 6,652 |
| Tier 1 risk-based capital ratio | 9.5296% | 6,601 |
| Total risk-based capital ratio | 10.7905% | 6,584 |
| Memoranda: | ||
| Average total assets | $243,853,800 | 2,586 |
| Average earning assets | $212,560,400 | 2,691 |
| Average equity | $14,799,200 | 3,903 |
| Average total loans | $91,143,600 | 3,662 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7899% | 6,573 |
| Cost of funding earning assets | 0.4155% | 4,670 |
| Net interest margin | 2.3744% | 6,536 |
| Noninterest income to average assets | 1.4415% | 710 |
| Noninterest expense to average assets | 3.8677% | 1,004 |
| Loan and lease loss provision to assets | 1.4285% | 83 |
| Net operating income to assets | -1.7783% | 6,785 |
| Return on assets (ROA) | -1.7869% | 6,790 |
| Pretax return on assets | -1.7869% | 6,785 |
| Return on Equity (ROE) | -27.5456% | 6,803 |
| Retained earnings to average equity (ytd only) | -27.5456% | 6,794 |
| Net charge-offs to loans | 7.2082% | 10 |
| Credit loss provision to net charge-offs | 52.7689% | 3,442 |
| Earnings coverage of net charge-offs (x) | -0.1292% | 4,894 |
| Efficiency ratio | 109.9429% | 269 |
| Assets per employee ($millions) | 2.1229% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8543% | 643 |
| Loan loss allowance to noncurrent loans | 26.7021% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 7.1157% | 277 |
| Noncurrent loans to loans | 10.6894% | 109 |
| Net loans and leases to total assets | 34.5258% | 6,339 |
| Net loans and leases to deposits | 36.5762% | 6,485 |
| Net loans and leases to core deposits | 37.7832% | 6,509 |
| Total domestic deposits to total assets | 94.3942% | 55 |
| Equity capital to assets | 5.0810% | 6,768 |
| Core capital (leverage) ratio | 6.2557% | 6,692 |
| Tier 1 risk-based capital ratio | 10.3294% | 6,499 |
| Total risk-based capital ratio | 11.5666% | 6,472 |
| Memoranda: | ||
| Average total assets | $245,478,000 | 2,587 |
| Average earning assets | $214,672,000 | 2,688 |
| Average equity | $15,924,750 | 3,757 |
| Average total loans | $92,189,250 | 3,662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7334% | 6,644 |
| Cost of funding earning assets | 0.4171% | 4,782 |
| Net interest margin | 2.3163% | 6,606 |
| Noninterest income to average assets | 1.4030% | 802 |
| Noninterest expense to average assets | 3.8323% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3967% | 6,602 |
| Return on assets (ROA) | -0.4096% | 6,627 |
| Pretax return on assets | -0.4096% | 6,598 |
| Return on Equity (ROE) | -5.9049% | 6,657 |
| Retained earnings to average equity (ytd only) | -5.9049% | 6,510 |
| Net charge-offs to loans | 1.2390% | 460 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.8382% | 4,700 |
| Efficiency ratio | 111.5466% | 260 |
| Assets per employee ($millions) | 2.1412% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4856% | 178 |
| Loan loss allowance to noncurrent loans | 35.0911% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 7.4109% | 309 |
| Noncurrent loans to loans | 12.7827% | 77 |
| Net loans and leases to total assets | 36.4546% | 6,273 |
| Net loans and leases to deposits | 38.9809% | 6,451 |
| Net loans and leases to core deposits | 40.4067% | 6,457 |
| Total domestic deposits to total assets | 93.5191% | 87 |
| Equity capital to assets | 5.9824% | 6,744 |
| Core capital (leverage) ratio | 7.1745% | 6,571 |
| Tier 1 risk-based capital ratio | 11.8737% | 5,863 |
| Total risk-based capital ratio | 13.1430% | 5,810 |
| Memoranda: | ||
| Average total assets | $248,047,330 | 2,570 |
| Average earning assets | $217,675,330 | 2,667 |
| Average equity | $17,206,000 | 3,592 |
| Average total loans | $94,751,000 | 3,614 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6530% | 6,756 |
| Cost of funding earning assets | 0.4224% | 4,886 |
| Net interest margin | 2.2305% | 6,739 |
| Noninterest income to average assets | 1.4783% | 709 |
| Noninterest expense to average assets | 3.7645% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3264% | 6,592 |
| Return on assets (ROA) | -0.3520% | 6,637 |
| Pretax return on assets | -0.3520% | 6,616 |
| Return on Equity (ROE) | -4.7548% | 6,683 |
| Retained earnings to average equity (ytd only) | -4.7548% | 6,346 |
| Net charge-offs to loans | 2.2649% | 195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3771% | 3,908 |
| Efficiency ratio | 109.4928% | 333 |
| Assets per employee ($millions) | 2.2038% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5241% | 191 |
| Loan loss allowance to noncurrent loans | 31.5087% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 8.2079% | 301 |
| Noncurrent loans to loans | 14.3582% | 90 |
| Net loans and leases to total assets | 35.8047% | 6,309 |
| Net loans and leases to deposits | 38.8066% | 6,470 |
| Net loans and leases to core deposits | 40.2154% | 6,471 |
| Total domestic deposits to total assets | 92.2644% | 205 |
| Equity capital to assets | 7.2899% | 6,647 |
| Core capital (leverage) ratio | 7.2299% | 6,570 |
| Tier 1 risk-based capital ratio | 12.1908% | 5,794 |
| Total risk-based capital ratio | 13.4604% | 5,745 |
| Memoranda: | ||
| Average total assets | $250,020,500 | 2,581 |
| Average earning assets | $219,677,500 | 2,667 |
| Average equity | $18,507,500 | 3,448 |
| Average total loans | $95,544,000 | 3,623 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8045% | 6,850 |
| Cost of funding earning assets | 0.5581% | 4,746 |
| Net interest margin | 2.2464% | 6,862 |
| Noninterest income to average assets | 1.3873% | 812 |
| Noninterest expense to average assets | 3.7916% | 1,265 |
| Loan and lease loss provision to assets | 0.4604% | 1,366 |
| Net operating income to assets | -0.8758% | 6,702 |
| Return on assets (ROA) | -0.7612% | 6,685 |
| Pretax return on assets | -0.7612% | 6,664 |
| Return on Equity (ROE) | -9.9467% | 6,721 |
| Retained earnings to average equity (ytd only) | -9.9467% | 6,635 |
| Net charge-offs to loans | 4.0738% | 66 |
| Credit loss provision to net charge-offs | 28.2039% | 5,150 |
| Earnings coverage of net charge-offs (x) | -0.2545% | 5,596 |
| Efficiency ratio | 112.3039% | 301 |
| Assets per employee ($millions) | 2.1827% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8782% | 143 |
| Loan loss allowance to noncurrent loans | 29.5676% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 8.9243% | 277 |
| Noncurrent loans to loans | 16.4986% | 61 |
| Net loans and leases to total assets | 37.0233% | 6,370 |
| Net loans and leases to deposits | 40.1874% | 6,539 |
| Net loans and leases to core deposits | 41.6363% | 6,560 |
| Total domestic deposits to total assets | 92.1267% | 222 |
| Equity capital to assets | 7.5140% | 6,629 |
| Core capital (leverage) ratio | 7.2550% | 6,610 |
| Tier 1 risk-based capital ratio | 12.2787% | 5,614 |
| Total risk-based capital ratio | 13.5366% | 5,562 |
| Memoranda: | ||
| Average total assets | $264,317,800 | 2,395 |
| Average earning assets | $234,017,000 | 2,465 |
| Average equity | $20,227,800 | 3,176 |
| Average total loans | $105,921,200 | 3,376 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8584% | 6,953 |
| Cost of funding earning assets | 0.5856% | 4,785 |
| Net interest margin | 2.2728% | 6,952 |
| Noninterest income to average assets | 1.3953% | 769 |
| Noninterest expense to average assets | 3.7596% | 1,274 |
| Loan and lease loss provision to assets | 0.4588% | 1,356 |
| Net operating income to assets | -0.8085% | 6,813 |
| Return on assets (ROA) | -0.7228% | 6,810 |
| Pretax return on assets | -0.7228% | 6,785 |
| Return on Equity (ROE) | -9.4053% | 6,851 |
| Retained earnings to average equity (ytd only) | -9.4053% | 6,801 |
| Net charge-offs to loans | 2.7499% | 214 |
| Credit loss provision to net charge-offs | 41.3561% | 4,588 |
| Earnings coverage of net charge-offs (x) | -0.3152% | 5,450 |
| Efficiency ratio | 110.2557% | 306 |
| Assets per employee ($millions) | 2.1968% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4509% | 54 |
| Loan loss allowance to noncurrent loans | 36.6062% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 9.7207% | 258 |
| Noncurrent loans to loans | 17.6223% | 63 |
| Net loans and leases to total assets | 37.3205% | 6,461 |
| Net loans and leases to deposits | 40.7498% | 6,652 |
| Net loans and leases to core deposits | 42.4688% | 6,656 |
| Total domestic deposits to total assets | 91.5845% | 270 |
| Equity capital to assets | 7.9371% | 6,624 |
| Core capital (leverage) ratio | 7.2013% | 6,748 |
| Tier 1 risk-based capital ratio | 12.6030% | 5,564 |
| Total risk-based capital ratio | 13.8920% | 5,488 |
| Memoranda: | ||
| Average total assets | $267,644,250 | 2,391 |
| Average earning assets | $237,232,500 | 2,461 |
| Average equity | $20,569,500 | 3,163 |
| Average total loans | $107,976,750 | 3,366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9109% | 7,008 |
| Cost of funding earning assets | 0.6037% | 4,873 |
| Net interest margin | 2.3072% | 7,006 |
| Noninterest income to average assets | 1.3578% | 779 |
| Noninterest expense to average assets | 3.5099% | 1,762 |
| Loan and lease loss provision to assets | 0.2361% | 2,712 |
| Net operating income to assets | -0.3391% | 6,645 |
| Return on assets (ROA) | -0.2413% | 6,634 |
| Pretax return on assets | -0.2413% | 6,605 |
| Return on Equity (ROE) | -3.1715% | 6,683 |
| Retained earnings to average equity (ytd only) | -3.1715% | 6,483 |
| Net charge-offs to loans | 3.6791% | 133 |
| Credit loss provision to net charge-offs | 15.8519% | 4,669 |
| Earnings coverage of net charge-offs (x) | -0.0691% | 5,118 |
| Efficiency ratio | 103.0225% | 459 |
| Assets per employee ($millions) | 2.3259% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9019% | 81 |
| Loan loss allowance to noncurrent loans | 35.6895% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 9.0823% | 332 |
| Noncurrent loans to loans | 16.5368% | 80 |
| Net loans and leases to total assets | 36.4008% | 6,593 |
| Net loans and leases to deposits | 39.6389% | 6,746 |
| Net loans and leases to core deposits | 41.2087% | 6,766 |
| Total domestic deposits to total assets | 91.8309% | 251 |
| Equity capital to assets | 7.6839% | 6,720 |
| Core capital (leverage) ratio | 7.3269% | 6,703 |
| Tier 1 risk-based capital ratio | 12.9204% | 5,239 |
| Total risk-based capital ratio | 14.2043% | 5,191 |
| Memoranda: | ||
| Average total assets | $271,916,330 | 2,359 |
| Average earning assets | $241,508,670 | 2,426 |
| Average equity | $20,684,000 | 3,139 |
| Average total loans | $110,082,000 | 3,331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0327% | 7,031 |
| Cost of funding earning assets | 0.6296% | 4,897 |
| Net interest margin | 2.4031% | 7,012 |
| Noninterest income to average assets | 1.3833% | 761 |
| Noninterest expense to average assets | 3.4334% | 1,929 |
| Loan and lease loss provision to assets | 0.4162% | 1,514 |
| Net operating income to assets | -0.3297% | 6,723 |
| Return on assets (ROA) | -0.2271% | 6,704 |
| Pretax return on assets | -0.2271% | 6,683 |
| Return on Equity (ROE) | -3.0010% | 6,756 |
| Retained earnings to average equity (ytd only) | -3.0010% | 6,397 |
| Net charge-offs to loans | 7.0943% | 45 |
| Credit loss provision to net charge-offs | 14.1787% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.0295% | 4,353 |
| Efficiency ratio | 97.5437% | 653 |
| Assets per employee ($millions) | 2.4861% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6712% | 99 |
| Loan loss allowance to noncurrent loans | 35.4997% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 9.2569% | 368 |
| Noncurrent loans to loans | 15.9753% | 104 |
| Net loans and leases to total assets | 37.3751% | 6,534 |
| Net loans and leases to deposits | 40.5867% | 6,710 |
| Net loans and leases to core deposits | 42.1142% | 6,744 |
| Total domestic deposits to total assets | 92.0869% | 240 |
| Equity capital to assets | 7.4706% | 6,793 |
| Core capital (leverage) ratio | 7.2613% | 6,738 |
| Tier 1 risk-based capital ratio | 12.5379% | 5,575 |
| Total risk-based capital ratio | 13.8209% | 5,510 |
| Memoranda: | ||
| Average total assets | $272,969,500 | 2,360 |
| Average earning assets | $242,687,000 | 2,428 |
| Average equity | $20,660,000 | 3,149 |
| Average total loans | $112,936,500 | 3,301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 6,785 |
| Cost of funding earning assets | 0.9563% | 3,678 |
| Net interest margin | 2.7966% | 6,827 |
| Noninterest income to average assets | 1.3887% | 665 |
| Noninterest expense to average assets | 3.5829% | 1,777 |
| Loan and lease loss provision to assets | 1.6605% | 416 |
| Net operating income to assets | -1.3525% | 6,872 |
| Return on assets (ROA) | -0.9980% | 6,765 |
| Pretax return on assets | -0.9980% | 6,733 |
| Return on Equity (ROE) | -12.2315% | 6,805 |
| Retained earnings to average equity (ytd only) | -12.2315% | 6,777 |
| Net charge-offs to loans | 1.3838% | 1,183 |
| Credit loss provision to net charge-offs | 267.3963% | 897 |
| Earnings coverage of net charge-offs (x) | 0.4960% | 5,456 |
| Efficiency ratio | 92.0842% | 1,040 |
| Assets per employee ($millions) | 2.3901% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6917% | 60 |
| Loan loss allowance to noncurrent loans | 42.0512% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 9.3171% | 376 |
| Noncurrent loans to loans | 15.9133% | 114 |
| Net loans and leases to total assets | 40.2447% | 6,534 |
| Net loans and leases to deposits | 43.7795% | 6,729 |
| Net loans and leases to core deposits | 45.3873% | 6,755 |
| Total domestic deposits to total assets | 91.9260% | 251 |
| Equity capital to assets | 7.6670% | 6,740 |
| Core capital (leverage) ratio | 7.2829% | 6,751 |
| Tier 1 risk-based capital ratio | 12.3776% | 5,560 |
| Total risk-based capital ratio | 13.6728% | 5,489 |
| Memoranda: | ||
| Average total assets | $279,546,400 | 2,272 |
| Average earning assets | $250,123,000 | 2,302 |
| Average equity | $22,810,000 | 2,805 |
| Average total loans | $125,449,000 | 3,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 6,712 |
| Cost of funding earning assets | 1.0220% | 3,523 |
| Net interest margin | 2.8965% | 6,753 |
| Noninterest income to average assets | 1.3692% | 696 |
| Noninterest expense to average assets | 3.7414% | 1,409 |
| Loan and lease loss provision to assets | 1.0901% | 757 |
| Net operating income to assets | -0.8683% | 6,832 |
| Return on assets (ROA) | -0.7569% | 6,815 |
| Pretax return on assets | -0.7569% | 6,762 |
| Return on Equity (ROE) | -9.1425% | 6,868 |
| Retained earnings to average equity (ytd only) | -9.1425% | 6,824 |
| Net charge-offs to loans | 1.6207% | 868 |
| Credit loss provision to net charge-offs | 148.4829% | 2,118 |
| Earnings coverage of net charge-offs (x) | 0.3021% | 5,379 |
| Efficiency ratio | 94.4033% | 898 |
| Assets per employee ($millions) | 2.4945% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7261% | 225 |
| Loan loss allowance to noncurrent loans | 44.2250% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 6.7494% | 751 |
| Noncurrent loans to loans | 10.6866% | 315 |
| Net loans and leases to total assets | 41.5651% | 6,523 |
| Net loans and leases to deposits | 45.6206% | 6,754 |
| Net loans and leases to core deposits | 47.5816% | 6,776 |
| Total domestic deposits to total assets | 91.1104% | 403 |
| Equity capital to assets | 8.0445% | 6,670 |
| Core capital (leverage) ratio | 7.5242% | 6,755 |
| Tier 1 risk-based capital ratio | 12.9149% | 5,160 |
| Total risk-based capital ratio | 14.1928% | 5,114 |
| Memoranda: | ||
| Average total assets | $281,316,000 | 2,269 |
| Average earning assets | $251,928,500 | 2,299 |
| Average equity | $23,290,000 | 2,751 |
| Average total loans | $127,431,750 | 3,055 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 6,794 |
| Cost of funding earning assets | 1.0625% | 3,529 |
| Net interest margin | 2.8461% | 6,873 |
| Noninterest income to average assets | 1.3763% | 670 |
| Noninterest expense to average assets | 3.4958% | 1,993 |
| Loan and lease loss provision to assets | 0.4951% | 1,989 |
| Net operating income to assets | 0.0213% | 6,185 |
| Return on assets (ROA) | 0.0516% | 6,198 |
| Pretax return on assets | -0.0191% | 6,282 |
| Return on Equity (ROE) | 0.6179% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.6179% | 5,613 |
| Net charge-offs to loans | 0.2422% | 3,666 |
| Credit loss provision to net charge-offs | 445.8599% | 680 |
| Earnings coverage of net charge-offs (x) | 3.8599% | 3,032 |
| Efficiency ratio | 89.0791% | 1,315 |
| Assets per employee ($millions) | 2.6214% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3278% | 328 |
| Loan loss allowance to noncurrent loans | 37.2117% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 7.4632% | 650 |
| Noncurrent loans to loans | 11.6303% | 281 |
| Net loans and leases to total assets | 42.5591% | 6,556 |
| Net loans and leases to deposits | 46.8671% | 6,786 |
| Net loans and leases to core deposits | 48.8315% | 6,813 |
| Total domestic deposits to total assets | 90.8080% | 585 |
| Equity capital to assets | 8.3871% | 6,322 |
| Core capital (leverage) ratio | 8.1593% | 6,088 |
| Tier 1 risk-based capital ratio | 13.5459% | 4,490 |
| Total risk-based capital ratio | 14.8206% | 4,452 |
| Memoranda: | ||
| Average total assets | $282,793,330 | 2,262 |
| Average earning assets | $253,187,000 | 2,302 |
| Average equity | $23,628,670 | 2,685 |
| Average total loans | $129,643,670 | 3,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 6,947 |
| Cost of funding earning assets | 1.1240% | 3,341 |
| Net interest margin | 2.6830% | 7,032 |
| Noninterest income to average assets | 1.3124% | 745 |
| Noninterest expense to average assets | 3.4693% | 2,086 |
| Loan and lease loss provision to assets | 0.8531% | 967 |
| Net operating income to assets | -0.3910% | 6,734 |
| Return on assets (ROA) | -0.3910% | 6,740 |
| Pretax return on assets | -0.6071% | 6,818 |
| Return on Equity (ROE) | -4.6887% | 6,791 |
| Retained earnings to average equity (ytd only) | -4.6887% | 6,489 |
| Net charge-offs to loans | -0.0672% | 6,978 |
| Credit loss provision to net charge-offs | -2,727.2727% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3793% | 1,074 |
| Assets per employee ($millions) | 2.5864% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3263% | 340 |
| Loan loss allowance to noncurrent loans | 34.1661% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 7.9537% | 600 |
| Noncurrent loans to loans | 12.6624% | 244 |
| Net loans and leases to total assets | 43.7714% | 6,488 |
| Net loans and leases to deposits | 47.9631% | 6,762 |
| Net loans and leases to core deposits | 50.0468% | 6,770 |
| Total domestic deposits to total assets | 91.2606% | 509 |
| Equity capital to assets | 8.2549% | 6,217 |
| Core capital (leverage) ratio | 8.1629% | 6,026 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,575 |
| Total risk-based capital ratio | 14.5772% | 4,540 |
| Memoranda: | ||
| Average total assets | $281,321,500 | 2,292 |
| Average earning assets | $251,959,000 | 2,331 |
| Average equity | $23,460,500 | 2,695 |
| Average total loans | $130,911,500 | 3,050 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 6,802 |
| Cost of funding earning assets | 1.3632% | 3,495 |
| Net interest margin | 2.9284% | 6,856 |
| Noninterest income to average assets | 1.2648% | 924 |
| Noninterest expense to average assets | 4.3346% | 779 |
| Loan and lease loss provision to assets | 1.6307% | 886 |
| Net operating income to assets | -2.1226% | 7,087 |
| Return on assets (ROA) | -2.1018% | 7,094 |
| Pretax return on assets | -2.1018% | 7,056 |
| Return on Equity (ROE) | -25.2033% | 7,141 |
| Retained earnings to average equity (ytd only) | -25.2033% | 7,121 |
| Net charge-offs to loans | 3.7702% | 355 |
| Credit loss provision to net charge-offs | 83.8190% | 5,394 |
| Earnings coverage of net charge-offs (x) | -0.2529% | 6,322 |
| Efficiency ratio | 112.8012% | 495 |
| Assets per employee ($millions) | 2.5290% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7315% | 505 |
| Loan loss allowance to noncurrent loans | 29.4621% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 8.2163% | 593 |
| Noncurrent loans to loans | 12.6653% | 248 |
| Net loans and leases to total assets | 45.5558% | 6,596 |
| Net loans and leases to deposits | 50.1665% | 6,845 |
| Net loans and leases to core deposits | 52.4164% | 6,883 |
| Total domestic deposits to total assets | 90.8091% | 688 |
| Equity capital to assets | 8.4243% | 5,959 |
| Core capital (leverage) ratio | 8.2686% | 5,729 |
| Tier 1 risk-based capital ratio | 13.2843% | 4,387 |
| Total risk-based capital ratio | 14.5327% | 4,346 |
| Memoranda: | ||
| Average total assets | $283,993,400 | 2,254 |
| Average earning assets | $249,997,400 | 2,344 |
| Average equity | $23,683,400 | 2,683 |
| Average total loans | $146,544,800 | 2,829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 6,686 |
| Cost of funding earning assets | 1.4102% | 3,520 |
| Net interest margin | 3.0523% | 6,726 |
| Noninterest income to average assets | 1.2686% | 855 |
| Noninterest expense to average assets | 4.6481% | 510 |
| Loan and lease loss provision to assets | 2.1679% | 521 |
| Net operating income to assets | -2.8725% | 7,424 |
| Return on assets (ROA) | -2.8449% | 7,435 |
| Pretax return on assets | -2.8449% | 7,385 |
| Return on Equity (ROE) | -34.1991% | 7,446 |
| Retained earnings to average equity (ytd only) | -34.1991% | 7,442 |
| Net charge-offs to loans | 3.9882% | 307 |
| Credit loss provision to net charge-offs | 103.2323% | 4,158 |
| Earnings coverage of net charge-offs (x) | -0.3355% | 6,261 |
| Efficiency ratio | 117.8656% | 417 |
| Assets per employee ($millions) | 2.4345% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2874% | 286 |
| Loan loss allowance to noncurrent loans | 48.8118% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 6.9985% | 777 |
| Noncurrent loans to loans | 8.7835% | 558 |
| Net loans and leases to total assets | 48.6730% | 6,462 |
| Net loans and leases to deposits | 53.7593% | 6,782 |
| Net loans and leases to core deposits | 56.2440% | 6,843 |
| Total domestic deposits to total assets | 90.5387% | 624 |
| Equity capital to assets | 8.6365% | 6,120 |
| Core capital (leverage) ratio | 8.2092% | 6,020 |
| Tier 1 risk-based capital ratio | 12.9554% | 4,609 |
| Total risk-based capital ratio | 14.2126% | 4,588 |
| Memoranda: | ||
| Average total assets | $284,810,750 | 2,280 |
| Average earning assets | $249,602,000 | 2,377 |
| Average equity | $23,692,000 | 2,730 |
| Average total loans | $149,970,250 | 2,811 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 6,647 |
| Cost of funding earning assets | 1.4359% | 3,635 |
| Net interest margin | 3.0908% | 6,628 |
| Noninterest income to average assets | 1.2956% | 760 |
| Noninterest expense to average assets | 5.3338% | 301 |
| Loan and lease loss provision to assets | 3.0294% | 320 |
| Net operating income to assets | -4.3729% | 7,653 |
| Return on assets (ROA) | -4.3729% | 7,658 |
| Pretax return on assets | -4.3729% | 7,641 |
| Return on Equity (ROE) | -53.2158% | 7,624 |
| Retained earnings to average equity (ytd only) | -53.2158% | 7,620 |
| Net charge-offs to loans | 1.5392% | 1,243 |
| Credit loss provision to net charge-offs | 369.7458% | 988 |
| Earnings coverage of net charge-offs (x) | -1.6398% | 6,185 |
| Efficiency ratio | 133.6697% | 289 |
| Assets per employee ($millions) | 2.4836% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0889% | 101 |
| Loan loss allowance to noncurrent loans | 56.4758% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 8.2217% | 586 |
| Noncurrent loans to loans | 10.7815% | 382 |
| Net loans and leases to total assets | 50.0956% | 6,423 |
| Net loans and leases to deposits | 54.4362% | 6,830 |
| Net loans and leases to core deposits | 56.9085% | 6,892 |
| Total domestic deposits to total assets | 92.0263% | 215 |
| Equity capital to assets | 7.1069% | 7,307 |
| Core capital (leverage) ratio | 6.5789% | 7,356 |
| Tier 1 risk-based capital ratio | 10.4159% | 6,750 |
| Total risk-based capital ratio | 11.7027% | 6,703 |
| Memoranda: | ||
| Average total assets | $288,047,330 | 2,276 |
| Average earning assets | $251,134,670 | 2,385 |
| Average equity | $23,669,670 | 2,724 |
| Average total loans | $153,327,670 | 2,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6282% | 6,472 |
| Cost of funding earning assets | 1.4525% | 3,857 |
| Net interest margin | 3.1757% | 6,364 |
| Noninterest income to average assets | 1.3065% | 706 |
| Noninterest expense to average assets | 3.3885% | 2,265 |
| Loan and lease loss provision to assets | 1.7066% | 666 |
| Net operating income to assets | -1.0485% | 7,135 |
| Return on assets (ROA) | -1.0485% | 7,155 |
| Pretax return on assets | -1.0485% | 7,070 |
| Return on Equity (ROE) | -11.9906% | 7,213 |
| Retained earnings to average equity (ytd only) | -11.9906% | 7,066 |
| Net charge-offs to loans | 1.0886% | 1,535 |
| Credit loss provision to net charge-offs | 294.8113% | 1,347 |
| Earnings coverage of net charge-offs (x) | 1.1368% | 4,086 |
| Efficiency ratio | 83.7382% | 2,046 |
| Assets per employee ($millions) | 2.5311% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3433% | 283 |
| Loan loss allowance to noncurrent loans | 46.8434% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 8.5631% | 548 |
| Noncurrent loans to loans | 9.2720% | 501 |
| Net loans and leases to total assets | 50.9702% | 6,380 |
| Net loans and leases to deposits | 56.3396% | 6,747 |
| Net loans and leases to core deposits | 58.7759% | 6,833 |
| Total domestic deposits to total assets | 90.4696% | 751 |
| Equity capital to assets | 8.7499% | 5,651 |
| Core capital (leverage) ratio | 8.3906% | 5,581 |
| Tier 1 risk-based capital ratio | 12.6401% | 4,608 |
| Total risk-based capital ratio | 13.9176% | 4,557 |
| Memoranda: | ||
| Average total assets | $292,988,000 | 2,292 |
| Average earning assets | $252,798,500 | 2,419 |
| Average equity | $25,620,000 | 2,554 |
| Average total loans | $155,799,500 | 2,817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 6,728 |
| Cost of funding earning assets | 1.9686% | 3,109 |
| Net interest margin | 2.9224% | 6,817 |
| Noninterest income to average assets | 1.3400% | 831 |
| Noninterest expense to average assets | 3.9376% | 1,456 |
| Loan and lease loss provision to assets | 2.8649% | 634 |
| Net operating income to assets | -2.3157% | 7,205 |
| Return on assets (ROA) | -2.2639% | 7,186 |
| Pretax return on assets | -2.9040% | 7,266 |
| Return on Equity (ROE) | -23.3010% | 7,244 |
| Retained earnings to average equity (ytd only) | -23.4296% | 7,219 |
| Net charge-offs to loans | 3.2953% | 612 |
| Credit loss provision to net charge-offs | 152.5026% | 3,009 |
| Earnings coverage of net charge-offs (x) | -0.0562% | 6,277 |
| Efficiency ratio | 102.7539% | 983 |
| Assets per employee ($millions) | 2.4994% | 7,208 |
| Cash dividends to net income (ytd only)* | -0.5518% | 7,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7074% | 443 |
| Loan loss allowance to noncurrent loans | 47.8378% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 7.6702% | 619 |
| Noncurrent loans to loans | 7.7500% | 666 |
| Net loans and leases to total assets | 51.1033% | 6,518 |
| Net loans and leases to deposits | 56.3425% | 6,898 |
| Net loans and leases to core deposits | 69.7524% | 6,791 |
| Total domestic deposits to total assets | 90.7012% | 660 |
| Equity capital to assets | 8.7390% | 5,532 |
| Core capital (leverage) ratio | 8.3517% | 5,533 |
| Tier 1 risk-based capital ratio | 12.6001% | 4,443 |
| Total risk-based capital ratio | 13.8708% | 4,368 |
| Memoranda: | ||
| Average total assets | $304,168,600 | 2,189 |
| Average earning assets | $259,378,400 | 2,335 |
| Average equity | $29,552,400 | 2,261 |
| Average total loans | $173,398,600 | 2,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 6,649 |
| Cost of funding earning assets | 2.0762% | 3,006 |
| Net interest margin | 2.9075% | 6,842 |
| Noninterest income to average assets | 1.3780% | 792 |
| Noninterest expense to average assets | 3.5912% | 2,040 |
| Loan and lease loss provision to assets | 2.8178% | 553 |
| Net operating income to assets | -2.1206% | 7,366 |
| Return on assets (ROA) | -2.1155% | 7,359 |
| Pretax return on assets | -2.5428% | 7,362 |
| Return on Equity (ROE) | -21.2548% | 7,413 |
| Retained earnings to average equity (ytd only) | -21.4213% | 7,391 |
| Net charge-offs to loans | 3.0150% | 550 |
| Credit loss provision to net charge-offs | 161.2372% | 2,936 |
| Earnings coverage of net charge-offs (x) | 0.1539% | 5,877 |
| Efficiency ratio | 93.0322% | 1,463 |
| Assets per employee ($millions) | 2.3843% | 7,398 |
| Cash dividends to net income (ytd only)* | -0.7831% | 7,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1962% | 564 |
| Loan loss allowance to noncurrent loans | 32.2634% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 9.7178% | 365 |
| Noncurrent loans to loans | 9.9066% | 406 |
| Net loans and leases to total assets | 53.5036% | 6,444 |
| Net loans and leases to deposits | 59.5077% | 6,865 |
| Net loans and leases to core deposits | 73.8983% | 6,735 |
| Total domestic deposits to total assets | 89.9104% | 801 |
| Equity capital to assets | 9.4545% | 4,806 |
| Core capital (leverage) ratio | 8.8663% | 4,875 |
| Tier 1 risk-based capital ratio | 13.1414% | 4,092 |
| Total risk-based capital ratio | 14.3982% | 4,024 |
| Memoranda: | ||
| Average total assets | $305,854,500 | 2,193 |
| Average earning assets | $261,109,250 | 2,327 |
| Average equity | $30,442,500 | 2,221 |
| Average total loans | $177,286,750 | 2,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 6,673 |
| Cost of funding earning assets | 2.1335% | 3,114 |
| Net interest margin | 2.8966% | 6,808 |
| Noninterest income to average assets | 1.4009% | 772 |
| Noninterest expense to average assets | 3.7105% | 1,821 |
| Loan and lease loss provision to assets | 4.1369% | 296 |
| Net operating income to assets | -3.5321% | 7,767 |
| Return on assets (ROA) | -3.5246% | 7,767 |
| Pretax return on assets | -3.9705% | 7,743 |
| Return on Equity (ROE) | -34.8431% | 7,782 |
| Retained earnings to average equity (ytd only) | -34.8431% | 7,759 |
| Net charge-offs to loans | 3.5750% | 431 |
| Credit loss provision to net charge-offs | 196.6625% | 2,323 |
| Earnings coverage of net charge-offs (x) | 0.0751% | 5,602 |
| Efficiency ratio | 95.9167% | 1,381 |
| Assets per employee ($millions) | 2.3740% | 7,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4491% | 395 |
| Loan loss allowance to noncurrent loans | 35.8530% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 9.0480% | 373 |
| Noncurrent loans to loans | 9.6201% | 377 |
| Net loans and leases to total assets | 55.0984% | 6,327 |
| Net loans and leases to deposits | 61.1781% | 6,804 |
| Net loans and leases to core deposits | 75.9870% | 6,675 |
| Total domestic deposits to total assets | 90.0624% | 806 |
| Equity capital to assets | 9.1231% | 5,133 |
| Core capital (leverage) ratio | 8.6409% | 5,196 |
| Tier 1 risk-based capital ratio | 12.5880% | 4,451 |
| Total risk-based capital ratio | 13.8481% | 4,365 |
| Memoranda: | ||
| Average total assets | $307,667,000 | 2,214 |
| Average earning assets | $262,100,000 | 2,330 |
| Average equity | $31,122,330 | 2,176 |
| Average total loans | $181,035,330 | 2,562 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 6,010 |
| Cost of funding earning assets | 2.1934% | 3,199 |
| Net interest margin | 3.0808% | 6,253 |
| Noninterest income to average assets | 1.3916% | 729 |
| Noninterest expense to average assets | 3.6270% | 1,802 |
| Loan and lease loss provision to assets | 1.2921% | 995 |
| Net operating income to assets | -0.4436% | 6,821 |
| Return on assets (ROA) | -0.4329% | 6,882 |
| Pretax return on assets | -0.8864% | 7,085 |
| Return on Equity (ROE) | -4.0826% | 6,898 |
| Retained earnings to average equity (ytd only) | -4.0826% | 6,435 |
| Net charge-offs to loans | 2.1271% | 677 |
| Credit loss provision to net charge-offs | 101.7294% | 3,676 |
| Earnings coverage of net charge-offs (x) | 0.3062% | 4,733 |
| Efficiency ratio | 90.3153% | 1,701 |
| Assets per employee ($millions) | 2.4336% | 7,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 2,573 |
| Loan loss allowance to noncurrent loans | 28.6313% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 6.5944% | 548 |
| Noncurrent loans to loans | 5.5431% | 918 |
| Net loans and leases to total assets | 57.5825% | 6,009 |
| Net loans and leases to deposits | 64.8834% | 6,474 |
| Net loans and leases to core deposits | 80.2532% | 6,365 |
| Total domestic deposits to total assets | 88.7477% | 1,361 |
| Equity capital to assets | 10.5964% | 3,373 |
| Core capital (leverage) ratio | 10.2432% | 3,160 |
| Tier 1 risk-based capital ratio | 14.2150% | 3,466 |
| Total risk-based capital ratio | 15.4541% | 3,408 |
| Memoranda: | ||
| Average total assets | $309,567,000 | 2,218 |
| Average earning assets | $263,697,500 | 2,334 |
| Average equity | $32,822,500 | 2,064 |
| Average total loans | $184,849,500 | 2,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1044% | 5,016 |
| Cost of funding earning assets | 2.5520% | 3,947 |
| Net interest margin | 3.5523% | 5,090 |
| Noninterest income to average assets | 1.4304% | 703 |
| Noninterest expense to average assets | 3.6538% | 2,036 |
| Loan and lease loss provision to assets | 0.6579% | 2,208 |
| Net operating income to assets | 0.2236% | 5,779 |
| Return on assets (ROA) | -0.2387% | 6,512 |
| Pretax return on assets | -0.4623% | 6,622 |
| Return on Equity (ROE) | -2.3642% | 6,551 |
| Retained earnings to average equity (ytd only) | -4.0752% | 6,337 |
| Net charge-offs to loans | 1.7953% | 611 |
| Credit loss provision to net charge-offs | 57.6193% | 6,258 |
| Earnings coverage of net charge-offs (x) | 0.8040% | 5,751 |
| Efficiency ratio | 79.9201% | 2,609 |
| Assets per employee ($millions) | 2.3313% | 7,512 |
| Cash dividends to net income (ytd only)* | -72.3735% | 8,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 2,621 |
| Loan loss allowance to noncurrent loans | 48.4298% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 4.8693% | 727 |
| Noncurrent loans to loans | 3.1192% | 1,703 |
| Net loans and leases to total assets | 59.9894% | 5,905 |
| Net loans and leases to deposits | 67.9352% | 6,468 |
| Net loans and leases to core deposits | 84.8136% | 6,223 |
| Total domestic deposits to total assets | 88.3039% | 1,331 |
| Equity capital to assets | 10.6090% | 3,378 |
| Core capital (leverage) ratio | 10.4232% | 3,050 |
| Tier 1 risk-based capital ratio | 13.9140% | 3,586 |
| Total risk-based capital ratio | 15.1515% | 3,512 |
| Memoranda: | ||
| Average total assets | $322,979,800 | 2,067 |
| Average earning assets | $285,614,600 | 2,133 |
| Average equity | $32,612,000 | 2,078 |
| Average total loans | $205,426,600 | 2,247 |