Home > United Midwest Savings Bank > Performance and Condition Ratios
United Midwest Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0160% | 130 |
| Cost of funding earning assets | 3.5684% | 98 |
| Net interest margin | 4.4476% | 685 |
| Noninterest income to average assets | 7.2800% | 111 |
| Noninterest expense to average assets | 7.9265% | 129 |
| Loan and lease loss provision to assets | 0.7200% | 126 |
| Net operating income to assets | 2.1377% | 363 |
| Return on assets (ROA) | 2.1377% | 371 |
| Pretax return on assets | 2.7064% | 249 |
| Return on Equity (ROE) | 15.4400% | 986 |
| Retained earnings to average equity (ytd only) | 15.4368% | 384 |
| Net charge-offs to loans | 0.9922% | 163 |
| Credit loss provision to net charge-offs | 113.1882% | 1,193 |
| Earnings coverage of net charge-offs (x) | 5.3726% | 1,914 |
| Efficiency ratio | 69.8043% | 1,835 |
| Assets per employee ($millions) | 2.5588% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5987% | 201 |
| Loan loss allowance to noncurrent loans | 119.8037% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.4382% | 434 |
| Noncurrent loans to loans | 2.1691% | 381 |
| Net loans and leases to total assets | 64.5800% | 2,437 |
| Net loans and leases to deposits | 79.0684% | 2,142 |
| Net loans and leases to core deposits | 92.2684% | 1,886 |
| Total domestic deposits to total assets | 81.6800% | 3,368 |
| Equity capital to assets | 14.1413% | 682 |
| Core capital (leverage) ratio | 13.5869% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7058% | 602 |
| Memoranda: | ||
| Average total assets | $489,498,500 | 1,807 |
| Average earning assets | $449,053,500 | 1,819 |
| Average equity | $67,786,000 | 1,399 |
| Average total loans | $314,856,000 | 1,821 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6085% | 112 |
| Cost of funding earning assets | 3.7031% | 127 |
| Net interest margin | 4.9054% | 384 |
| Noninterest income to average assets | 6.2700% | 131 |
| Noninterest expense to average assets | 7.6079% | 143 |
| Loan and lease loss provision to assets | 1.5500% | 41 |
| Net operating income to assets | 1.2764% | 1,342 |
| Return on assets (ROA) | 1.2764% | 1,348 |
| Pretax return on assets | 1.6157% | 1,098 |
| Return on Equity (ROE) | 9.7500% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.7478% | 629 |
| Net charge-offs to loans | 1.8648% | 84 |
| Credit loss provision to net charge-offs | 131.9651% | 1,543 |
| Earnings coverage of net charge-offs (x) | 2.6955% | 2,802 |
| Efficiency ratio | 70.6186% | 1,913 |
| Assets per employee ($millions) | 2.6078% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7213% | 176 |
| Loan loss allowance to noncurrent loans | 175.4112% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 699 |
| Noncurrent loans to loans | 1.5514% | 611 |
| Net loans and leases to total assets | 60.6500% | 2,873 |
| Net loans and leases to deposits | 73.5703% | 2,687 |
| Net loans and leases to core deposits | 86.1203% | 2,386 |
| Total domestic deposits to total assets | 82.4400% | 3,162 |
| Equity capital to assets | 13.5557% | 759 |
| Core capital (leverage) ratio | 12.9746% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8180% | 598 |
| Memoranda: | ||
| Average total assets | $487,533,800 | 1,799 |
| Average earning assets | $447,405,400 | 1,799 |
| Average equity | $63,839,800 | 1,417 |
| Average total loans | $307,005,200 | 1,824 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6821% | 111 |
| Cost of funding earning assets | 3.6616% | 148 |
| Net interest margin | 5.0205% | 329 |
| Noninterest income to average assets | 6.1400% | 122 |
| Noninterest expense to average assets | 7.4335% | 138 |
| Loan and lease loss provision to assets | 1.5000% | 45 |
| Net operating income to assets | 1.4274% | 1,055 |
| Return on assets (ROA) | 1.4274% | 1,048 |
| Pretax return on assets | 1.8069% | 863 |
| Return on Equity (ROE) | 11.0000% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.9982% | 650 |
| Net charge-offs to loans | 1.8277% | 76 |
| Credit loss provision to net charge-offs | 130.1685% | 1,414 |
| Earnings coverage of net charge-offs (x) | 2.8678% | 2,562 |
| Efficiency ratio | 69.1982% | 2,119 |
| Assets per employee ($millions) | 2.9297% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5583% | 210 |
| Loan loss allowance to noncurrent loans | 142.8124% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0973% | 594 |
| Noncurrent loans to loans | 1.7914% | 466 |
| Net loans and leases to total assets | 59.6900% | 2,950 |
| Net loans and leases to deposits | 72.0999% | 2,807 |
| Net loans and leases to core deposits | 84.0546% | 2,563 |
| Total domestic deposits to total assets | 82.7900% | 2,909 |
| Equity capital to assets | 13.2355% | 904 |
| Core capital (leverage) ratio | 12.8221% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1894% | 580 |
| Memoranda: | ||
| Average total assets | $486,849,250 | 1,794 |
| Average earning assets | $446,609,500 | 1,805 |
| Average equity | $63,184,750 | 1,417 |
| Average total loans | $307,341,000 | 1,821 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6868% | 111 |
| Cost of funding earning assets | 3.6014% | 149 |
| Net interest margin | 5.0855% | 304 |
| Noninterest income to average assets | 5.9200% | 129 |
| Noninterest expense to average assets | 7.3891% | 140 |
| Loan and lease loss provision to assets | 1.6500% | 36 |
| Net operating income to assets | 1.2188% | 1,429 |
| Return on assets (ROA) | 1.2188% | 1,432 |
| Pretax return on assets | 1.5427% | 1,202 |
| Return on Equity (ROE) | 9.4500% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.4548% | 991 |
| Net charge-offs to loans | 1.9042% | 77 |
| Credit loss provision to net charge-offs | 135.5223% | 1,277 |
| Earnings coverage of net charge-offs (x) | 2.6257% | 2,386 |
| Efficiency ratio | 69.8578% | 2,137 |
| Assets per employee ($millions) | 2.8905% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4725% | 231 |
| Loan loss allowance to noncurrent loans | 137.8225% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 508 |
| Noncurrent loans to loans | 1.7940% | 439 |
| Net loans and leases to total assets | 60.8200% | 2,878 |
| Net loans and leases to deposits | 73.6737% | 2,714 |
| Net loans and leases to core deposits | 86.4299% | 2,383 |
| Total domestic deposits to total assets | 82.5500% | 2,964 |
| Equity capital to assets | 12.9377% | 885 |
| Core capital (leverage) ratio | 12.4378% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7064% | 614 |
| Memoranda: | ||
| Average total assets | $484,091,667 | 1,800 |
| Average earning assets | $443,499,667 | 1,807 |
| Average equity | $62,402,333 | 1,419 |
| Average total loans | $308,691,333 | 1,818 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7589% | 110 |
| Cost of funding earning assets | 3.5202% | 150 |
| Net interest margin | 5.2386% | 247 |
| Noninterest income to average assets | 5.8600% | 121 |
| Noninterest expense to average assets | 7.4756% | 139 |
| Loan and lease loss provision to assets | 1.0200% | 76 |
| Net operating income to assets | 1.7074% | 654 |
| Return on assets (ROA) | 1.7074% | 661 |
| Pretax return on assets | 2.1615% | 510 |
| Return on Equity (ROE) | 13.2700% | 1,283 |
| Retained earnings to average equity (ytd only) | 13.2702% | 575 |
| Net charge-offs to loans | 1.1727% | 84 |
| Credit loss provision to net charge-offs | 134.2481% | 991 |
| Earnings coverage of net charge-offs (x) | 4.2009% | 1,907 |
| Efficiency ratio | 70.1784% | 2,135 |
| Assets per employee ($millions) | 2.9887% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1491% | 303 |
| Loan loss allowance to noncurrent loans | 168.3168% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 718 |
| Noncurrent loans to loans | 1.2768% | 640 |
| Net loans and leases to total assets | 63.5500% | 2,516 |
| Net loans and leases to deposits | 76.8824% | 2,346 |
| Net loans and leases to core deposits | 89.7308% | 2,060 |
| Total domestic deposits to total assets | 82.6600% | 3,054 |
| Equity capital to assets | 12.9328% | 874 |
| Core capital (leverage) ratio | 12.6198% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7246% | 624 |
| Memoranda: | ||
| Average total assets | $481,889,500 | 1,806 |
| Average earning assets | $440,879,000 | 1,824 |
| Average equity | $62,003,500 | 1,412 |
| Average total loans | $310,723,500 | 1,806 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5196% | 99 |
| Cost of funding earning assets | 2.6518% | 274 |
| Net interest margin | 5.8678% | 125 |
| Noninterest income to average assets | 4.7500% | 128 |
| Noninterest expense to average assets | 6.7723% | 147 |
| Loan and lease loss provision to assets | 1.0000% | 70 |
| Net operating income to assets | 1.9010% | 526 |
| Return on assets (ROA) | 1.9010% | 511 |
| Pretax return on assets | 2.4064% | 376 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 14.8870% | 330 |
| Net charge-offs to loans | 1.0485% | 99 |
| Credit loss provision to net charge-offs | 131.1167% | 1,590 |
| Earnings coverage of net charge-offs (x) | 4.4511% | 2,588 |
| Efficiency ratio | 66.5026% | 2,288 |
| Assets per employee ($millions) | 2.8370% | 4,402 |
| Cash dividends to net income (ytd only)* | 5.5853% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 310 |
| Loan loss allowance to noncurrent loans | 184.7380% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 699 |
| Noncurrent loans to loans | 1.1514% | 629 |
| Net loans and leases to total assets | 62.6400% | 2,612 |
| Net loans and leases to deposits | 75.8110% | 2,474 |
| Net loans and leases to core deposits | 87.6583% | 2,199 |
| Total domestic deposits to total assets | 82.6200% | 2,981 |
| Equity capital to assets | 12.7992% | 900 |
| Core capital (leverage) ratio | 12.4349% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7627% | 626 |
| Memoranda: | ||
| Average total assets | $470,915,200 | 1,795 |
| Average earning assets | $436,417,800 | 1,786 |
| Average equity | $56,774,400 | 1,453 |
| Average total loans | $344,221,400 | 1,631 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4460% | 99 |
| Cost of funding earning assets | 2.4260% | 317 |
| Net interest margin | 6.0200% | 108 |
| Noninterest income to average assets | 3.8200% | 161 |
| Noninterest expense to average assets | 6.3875% | 168 |
| Loan and lease loss provision to assets | 0.8500% | 82 |
| Net operating income to assets | 1.7241% | 764 |
| Return on assets (ROA) | 1.7241% | 751 |
| Pretax return on assets | 2.1825% | 574 |
| Return on Equity (ROE) | 14.5300% | 1,542 |
| Retained earnings to average equity (ytd only) | 14.5278% | 612 |
| Net charge-offs to loans | 0.8764% | 105 |
| Credit loss provision to net charge-offs | 127.9759% | 1,435 |
| Earnings coverage of net charge-offs (x) | 4.5823% | 2,391 |
| Efficiency ratio | 67.8389% | 2,036 |
| Assets per employee ($millions) | 2.9300% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 775 |
| Loan loss allowance to noncurrent loans | 144.5459% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 601 |
| Noncurrent loans to loans | 1.1471% | 688 |
| Net loans and leases to total assets | 75.6400% | 1,159 |
| Net loans and leases to deposits | 90.7017% | 1,177 |
| Net loans and leases to core deposits | 105.2195% | 1,053 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 12.4077% | 944 |
| Core capital (leverage) ratio | 12.0648% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6967% | 734 |
| Memoranda: | ||
| Average total assets | $469,490,250 | 1,796 |
| Average earning assets | $436,377,000 | 1,785 |
| Average equity | $55,717,250 | 1,461 |
| Average total loans | $354,019,000 | 1,597 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2507% | 98 |
| Cost of funding earning assets | 2.1287% | 394 |
| Net interest margin | 6.1220% | 99 |
| Noninterest income to average assets | 2.8300% | 182 |
| Noninterest expense to average assets | 6.0404% | 174 |
| Loan and lease loss provision to assets | 0.9000% | 79 |
| Net operating income to assets | 1.2642% | 1,656 |
| Return on assets (ROA) | 1.2642% | 1,646 |
| Pretax return on assets | 1.6004% | 1,417 |
| Return on Equity (ROE) | 10.8200% | 2,473 |
| Retained earnings to average equity (ytd only) | 10.8179% | 1,221 |
| Net charge-offs to loans | 1.0157% | 90 |
| Credit loss provision to net charge-offs | 118.8446% | 1,333 |
| Earnings coverage of net charge-offs (x) | 3.2922% | 2,269 |
| Efficiency ratio | 70.6896% | 1,700 |
| Assets per employee ($millions) | 2.9622% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,577 |
| Loan loss allowance to noncurrent loans | 133.9392% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 638 |
| Noncurrent loans to loans | 1.0358% | 720 |
| Net loans and leases to total assets | 74.0400% | 1,289 |
| Net loans and leases to deposits | 88.2562% | 1,320 |
| Net loans and leases to core deposits | 101.3690% | 1,164 |
| Total domestic deposits to total assets | 83.8900% | 2,850 |
| Equity capital to assets | 11.8332% | 1,095 |
| Core capital (leverage) ratio | 11.5810% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3180% | 784 |
| Memoranda: | ||
| Average total assets | $468,745,333 | 1,798 |
| Average earning assets | $437,925,333 | 1,790 |
| Average equity | $54,779,667 | 1,485 |
| Average total loans | $351,082,000 | 1,596 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8609% | 66 |
| Cost of funding earning assets | 1.8064% | 446 |
| Net interest margin | 6.0545% | 98 |
| Noninterest income to average assets | 2.5700% | 185 |
| Noninterest expense to average assets | 5.0516% | 227 |
| Loan and lease loss provision to assets | 1.0500% | 64 |
| Net operating income to assets | 1.7068% | 811 |
| Return on assets (ROA) | 1.7068% | 805 |
| Pretax return on assets | 2.1607% | 602 |
| Return on Equity (ROE) | 14.7000% | 1,624 |
| Retained earnings to average equity (ytd only) | 14.6985% | 847 |
| Net charge-offs to loans | 1.3892% | 55 |
| Credit loss provision to net charge-offs | 100.5780% | 1,107 |
| Earnings coverage of net charge-offs (x) | 3.0851% | 1,900 |
| Efficiency ratio | 61.1763% | 2,795 |
| Assets per employee ($millions) | 2.8795% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 1,947 |
| Loan loss allowance to noncurrent loans | 108.2452% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 440 |
| Noncurrent loans to loans | 1.2201% | 567 |
| Net loans and leases to total assets | 74.7300% | 1,112 |
| Net loans and leases to deposits | 87.2179% | 1,277 |
| Net loans and leases to core deposits | 101.5978% | 1,021 |
| Total domestic deposits to total assets | 85.6900% | 2,679 |
| Equity capital to assets | 11.9677% | 1,008 |
| Core capital (leverage) ratio | 11.4115% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6665% | 775 |
| Memoranda: | ||
| Average total assets | $466,145,000 | 1,831 |
| Average earning assets | $438,222,000 | 1,810 |
| Average equity | $54,128,000 | 1,510 |
| Average total loans | $348,699,000 | 1,622 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0898% | 87 |
| Cost of funding earning assets | 1.0745% | 127 |
| Net interest margin | 5.0154% | 136 |
| Noninterest income to average assets | 4.6000% | 135 |
| Noninterest expense to average assets | 6.7412% | 152 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 1.7256% | 512 |
| Return on assets (ROA) | 1.7256% | 486 |
| Pretax return on assets | 2.1842% | 335 |
| Return on Equity (ROE) | 17.0000% | 862 |
| Retained earnings to average equity (ytd only) | 16.3864% | 205 |
| Net charge-offs to loans | 0.5760% | 124 |
| Credit loss provision to net charge-offs | 91.4023% | 1,625 |
| Earnings coverage of net charge-offs (x) | 5.7402% | 2,362 |
| Efficiency ratio | 72.1826% | 1,421 |
| Assets per employee ($millions) | 3.1025% | 4,509 |
| Cash dividends to net income (ytd only)* | 3.6175% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,807 |
| Loan loss allowance to noncurrent loans | 105.6729% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 450 |
| Noncurrent loans to loans | 1.2494% | 556 |
| Net loans and leases to total assets | 72.9200% | 1,321 |
| Net loans and leases to deposits | 84.5098% | 1,423 |
| Net loans and leases to core deposits | 98.7366% | 1,066 |
| Total domestic deposits to total assets | 86.2900% | 2,643 |
| Equity capital to assets | 11.2642% | 1,159 |
| Core capital (leverage) ratio | 10.7641% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6997% | 871 |
| Memoranda: | ||
| Average total assets | $480,582,800 | 1,768 |
| Average earning assets | $453,804,400 | 1,743 |
| Average equity | $48,778,200 | 1,654 |
| Average total loans | $377,621,200 | 1,465 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 104 |
| Cost of funding earning assets | 0.9922% | 67 |
| Net interest margin | 4.6123% | 194 |
| Noninterest income to average assets | 4.4600% | 140 |
| Noninterest expense to average assets | 6.4523% | 156 |
| Loan and lease loss provision to assets | 0.4400% | 121 |
| Net operating income to assets | 1.5174% | 816 |
| Return on assets (ROA) | 1.5174% | 791 |
| Pretax return on assets | 1.9208% | 554 |
| Return on Equity (ROE) | 15.3600% | 1,103 |
| Retained earnings to average equity (ytd only) | 14.5231% | 401 |
| Net charge-offs to loans | 0.6439% | 96 |
| Credit loss provision to net charge-offs | 86.3905% | 1,393 |
| Earnings coverage of net charge-offs (x) | 4.6057% | 2,170 |
| Efficiency ratio | 73.1834% | 1,362 |
| Assets per employee ($millions) | 3.2351% | 4,534 |
| Cash dividends to net income (ytd only)* | 5.4595% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,400 |
| Loan loss allowance to noncurrent loans | 88.7823% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0981% | 399 |
| Noncurrent loans to loans | 1.3795% | 524 |
| Net loans and leases to total assets | 75.3700% | 977 |
| Net loans and leases to deposits | 85.8280% | 1,180 |
| Net loans and leases to core deposits | 106.4543% | 577 |
| Total domestic deposits to total assets | 87.8100% | 2,480 |
| Equity capital to assets | 10.3672% | 1,435 |
| Core capital (leverage) ratio | 9.7788% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7476% | 1,037 |
| Memoranda: | ||
| Average total assets | $482,835,250 | 1,775 |
| Average earning assets | $456,479,000 | 1,749 |
| Average equity | $47,693,000 | 1,698 |
| Average total loans | $384,906,750 | 1,436 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 118 |
| Cost of funding earning assets | 0.9677% | 43 |
| Net interest margin | 4.3271% | 261 |
| Noninterest income to average assets | 4.1230% | 113 |
| Noninterest expense to average assets | 6.2453% | 120 |
| Loan and lease loss provision to assets | 0.4240% | 132 |
| Net operating income to assets | 1.2232% | 1,356 |
| Return on assets (ROA) | 1.2232% | 1,340 |
| Pretax return on assets | 1.5485% | 1,048 |
| Return on Equity (ROE) | 12.5926% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.3112% | 734 |
| Net charge-offs to loans | 0.6142% | 105 |
| Credit loss provision to net charge-offs | 85.3801% | 1,361 |
| Earnings coverage of net charge-offs (x) | 3.9716% | 1,974 |
| Efficiency ratio | 75.9972% | 1,283 |
| Assets per employee ($millions) | 3.3922% | 4,572 |
| Cash dividends to net income (ytd only)* | 10.1764% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,906 |
| Loan loss allowance to noncurrent loans | 86.2082% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 388 |
| Noncurrent loans to loans | 1.3399% | 579 |
| Net loans and leases to total assets | 79.7026% | 428 |
| Net loans and leases to deposits | 89.9818% | 723 |
| Net loans and leases to core deposits | 112.2025% | 316 |
| Total domestic deposits to total assets | 88.5763% | 2,341 |
| Equity capital to assets | 9.6578% | 1,904 |
| Core capital (leverage) ratio | 9.0940% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6317% | 1,275 |
| Memoranda: | ||
| Average total assets | $482,023,333 | 1,787 |
| Average earning assets | $456,153,000 | 1,762 |
| Average equity | $46,821,000 | 1,767 |
| Average total loans | $389,783,000 | 1,412 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 112 |
| Cost of funding earning assets | 0.9499% | 44 |
| Net interest margin | 4.3403% | 219 |
| Noninterest income to average assets | 4.2877% | 116 |
| Noninterest expense to average assets | 6.1278% | 118 |
| Loan and lease loss provision to assets | 0.2087% | 343 |
| Net operating income to assets | 1.6256% | 479 |
| Return on assets (ROA) | 1.6256% | 478 |
| Pretax return on assets | 2.0572% | 319 |
| Return on Equity (ROE) | 16.6854% | 459 |
| Retained earnings to average equity (ytd only) | 16.6854% | 197 |
| Net charge-offs to loans | 0.4405% | 156 |
| Credit loss provision to net charge-offs | 58.4906% | 1,172 |
| Earnings coverage of net charge-offs (x) | 6.3514% | 1,572 |
| Efficiency ratio | 73.0052% | 1,855 |
| Assets per employee ($millions) | 3.3627% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,940 |
| Loan loss allowance to noncurrent loans | 82.3130% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 378 |
| Noncurrent loans to loans | 1.4392% | 584 |
| Net loans and leases to total assets | 78.3604% | 350 |
| Net loans and leases to deposits | 88.9982% | 561 |
| Net loans and leases to core deposits | 112.6472% | 212 |
| Total domestic deposits to total assets | 88.0472% | 2,500 |
| Equity capital to assets | 9.6280% | 2,190 |
| Core capital (leverage) ratio | 9.2896% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8236% | 1,304 |
| Memoranda: | ||
| Average total assets | $475,405,000 | 1,811 |
| Average earning assets | $449,736,500 | 1,790 |
| Average equity | $46,316,000 | 1,847 |
| Average total loans | $385,000,500 | 1,416 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 228 |
| Cost of funding earning assets | 1.1057% | 44 |
| Net interest margin | 4.0024% | 710 |
| Noninterest income to average assets | 4.8697% | 115 |
| Noninterest expense to average assets | 6.4118% | 117 |
| Loan and lease loss provision to assets | 0.3680% | 190 |
| Net operating income to assets | 1.4776% | 1,068 |
| Return on assets (ROA) | 1.4776% | 1,120 |
| Pretax return on assets | 1.8703% | 786 |
| Return on Equity (ROE) | 15.6077% | 818 |
| Retained earnings to average equity (ytd only) | 15.6077% | 190 |
| Net charge-offs to loans | 0.6860% | 113 |
| Credit loss provision to net charge-offs | 69.5279% | 2,018 |
| Earnings coverage of net charge-offs (x) | 4.2292% | 2,504 |
| Efficiency ratio | 74.1243% | 1,288 |
| Assets per employee ($millions) | 3.2614% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,582 |
| Loan loss allowance to noncurrent loans | 81.6229% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 364 |
| Noncurrent loans to loans | 1.5410% | 578 |
| Net loans and leases to total assets | 81.7403% | 196 |
| Net loans and leases to deposits | 94.3236% | 372 |
| Net loans and leases to core deposits | 113.3604% | 235 |
| Total domestic deposits to total assets | 86.6595% | 2,639 |
| Equity capital to assets | 9.8647% | 2,786 |
| Core capital (leverage) ratio | 9.3965% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4489% | 1,401 |
| Memoranda: | ||
| Average total assets | $440,251,000 | 1,865 |
| Average earning assets | $415,827,600 | 1,850 |
| Average equity | $41,678,200 | 2,020 |
| Average total loans | $339,669,200 | 1,558 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 331 |
| Cost of funding earning assets | 1.1358% | 47 |
| Net interest margin | 3.8121% | 1,089 |
| Noninterest income to average assets | 4.6386% | 121 |
| Noninterest expense to average assets | 6.1273% | 121 |
| Loan and lease loss provision to assets | 0.3795% | 180 |
| Net operating income to assets | 1.3681% | 1,637 |
| Return on assets (ROA) | 1.3681% | 1,691 |
| Pretax return on assets | 1.7316% | 1,330 |
| Return on Equity (ROE) | 14.6131% | 1,222 |
| Retained earnings to average equity (ytd only) | 14.6131% | 445 |
| Net charge-offs to loans | 0.7350% | 104 |
| Credit loss provision to net charge-offs | 68.2269% | 1,768 |
| Earnings coverage of net charge-offs (x) | 3.7957% | 2,291 |
| Efficiency ratio | 74.3755% | 1,183 |
| Assets per employee ($millions) | 3.4064% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,224 |
| Loan loss allowance to noncurrent loans | 71.8814% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4805% | 335 |
| Noncurrent loans to loans | 1.8783% | 491 |
| Net loans and leases to total assets | 77.0463% | 471 |
| Net loans and leases to deposits | 89.7981% | 619 |
| Net loans and leases to core deposits | 104.7438% | 439 |
| Total domestic deposits to total assets | 85.7995% | 2,826 |
| Equity capital to assets | 9.2840% | 3,574 |
| Core capital (leverage) ratio | 8.9617% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3376% | 1,532 |
| Memoranda: | ||
| Average total assets | $435,350,250 | 1,903 |
| Average earning assets | $411,106,750 | 1,881 |
| Average equity | $40,757,000 | 2,092 |
| Average total loans | $329,418,000 | 1,620 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 386 |
| Cost of funding earning assets | 1.1572% | 55 |
| Net interest margin | 3.7707% | 1,189 |
| Noninterest income to average assets | 4.4786% | 125 |
| Noninterest expense to average assets | 6.1646% | 121 |
| Loan and lease loss provision to assets | 0.5225% | 98 |
| Net operating income to assets | 1.0675% | 2,657 |
| Return on assets (ROA) | 1.0675% | 2,733 |
| Pretax return on assets | 1.3513% | 2,474 |
| Return on Equity (ROE) | 11.3682% | 2,279 |
| Retained earnings to average equity (ytd only) | 11.3682% | 1,042 |
| Net charge-offs to loans | 0.8794% | 93 |
| Credit loss provision to net charge-offs | 79.4560% | 1,489 |
| Earnings coverage of net charge-offs (x) | 2.8497% | 2,102 |
| Efficiency ratio | 76.6893% | 1,015 |
| Assets per employee ($millions) | 3.4374% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,509 |
| Loan loss allowance to noncurrent loans | 67.5087% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6512% | 316 |
| Noncurrent loans to loans | 2.2589% | 392 |
| Net loans and leases to total assets | 71.9810% | 970 |
| Net loans and leases to deposits | 84.2220% | 1,048 |
| Net loans and leases to core deposits | 98.0449% | 719 |
| Total domestic deposits to total assets | 85.4658% | 2,922 |
| Equity capital to assets | 8.7978% | 3,977 |
| Core capital (leverage) ratio | 8.9180% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9296% | 1,655 |
| Memoranda: | ||
| Average total assets | $424,909,000 | 1,926 |
| Average earning assets | $401,147,000 | 1,906 |
| Average equity | $39,900,667 | 2,102 |
| Average total loans | $317,732,000 | 1,662 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 387 |
| Cost of funding earning assets | 1.1859% | 58 |
| Net interest margin | 3.7533% | 1,230 |
| Noninterest income to average assets | 3.7808% | 158 |
| Noninterest expense to average assets | 5.6786% | 133 |
| Loan and lease loss provision to assets | 0.5718% | 106 |
| Net operating income to assets | 0.8444% | 3,289 |
| Return on assets (ROA) | 0.8444% | 3,368 |
| Pretax return on assets | 1.0683% | 3,197 |
| Return on Equity (ROE) | 8.6746% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.6746% | 2,043 |
| Net charge-offs to loans | 0.9812% | 79 |
| Credit loss provision to net charge-offs | 76.9333% | 1,224 |
| Earnings coverage of net charge-offs (x) | 2.2067% | 1,816 |
| Efficiency ratio | 77.5897% | 986 |
| Assets per employee ($millions) | 3.3505% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 1,129 |
| Loan loss allowance to noncurrent loans | 71.9012% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.7405% | 325 |
| Noncurrent loans to loans | 2.3170% | 420 |
| Net loans and leases to total assets | 73.8682% | 827 |
| Net loans and leases to deposits | 93.4349% | 524 |
| Net loans and leases to core deposits | 109.0716% | 438 |
| Total domestic deposits to total assets | 79.0585% | 4,327 |
| Equity capital to assets | 9.3328% | 3,353 |
| Core capital (leverage) ratio | 10.1856% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5309% | 1,417 |
| Memoranda: | ||
| Average total assets | $403,622,500 | 1,982 |
| Average earning assets | $380,464,500 | 1,973 |
| Average equity | $39,287,000 | 2,112 |
| Average total loans | $305,743,500 | 1,717 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7190% | 132 |
| Cost of funding earning assets | 1.6885% | 35 |
| Net interest margin | 4.0305% | 917 |
| Noninterest income to average assets | 6.2834% | 95 |
| Noninterest expense to average assets | 6.8192% | 109 |
| Loan and lease loss provision to assets | 1.1690% | 59 |
| Net operating income to assets | 1.6248% | 610 |
| Return on assets (ROA) | 1.6248% | 658 |
| Pretax return on assets | 2.0567% | 406 |
| Return on Equity (ROE) | 14.9845% | 648 |
| Retained earnings to average equity (ytd only) | 14.1488% | 183 |
| Net charge-offs to loans | 1.0285% | 127 |
| Credit loss provision to net charge-offs | 146.4245% | 2,445 |
| Earnings coverage of net charge-offs (x) | 4.0405% | 3,036 |
| Efficiency ratio | 67.8875% | 2,250 |
| Assets per employee ($millions) | 3.1035% | 4,790 |
| Cash dividends to net income (ytd only)* | 5.5772% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 750 |
| Loan loss allowance to noncurrent loans | 68.7508% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 261 |
| Noncurrent loans to loans | 2.7401% | 341 |
| Net loans and leases to total assets | 75.0121% | 901 |
| Net loans and leases to deposits | 96.3295% | 538 |
| Net loans and leases to core deposits | 111.7984% | 463 |
| Total domestic deposits to total assets | 77.8703% | 4,334 |
| Equity capital to assets | 10.1803% | 2,953 |
| Core capital (leverage) ratio | 10.6246% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6096% | 1,376 |
| Memoranda: | ||
| Average total assets | $331,064,600 | 2,131 |
| Average earning assets | $308,972,400 | 2,125 |
| Average equity | $35,897,000 | 2,183 |
| Average total loans | $256,973,000 | 1,885 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 110 |
| Cost of funding earning assets | 1.8072% | 29 |
| Net interest margin | 4.1983% | 735 |
| Noninterest income to average assets | 6.1155% | 92 |
| Noninterest expense to average assets | 7.0045% | 107 |
| Loan and lease loss provision to assets | 1.0688% | 116 |
| Net operating income to assets | 1.5414% | 830 |
| Return on assets (ROA) | 1.5414% | 905 |
| Pretax return on assets | 1.9510% | 568 |
| Return on Equity (ROE) | 13.9604% | 885 |
| Retained earnings to average equity (ytd only) | 12.8226% | 342 |
| Net charge-offs to loans | 0.9587% | 141 |
| Credit loss provision to net charge-offs | 142.9692% | 2,364 |
| Earnings coverage of net charge-offs (x) | 4.0398% | 2,861 |
| Efficiency ratio | 69.8763% | 1,900 |
| Assets per employee ($millions) | 2.8733% | 4,863 |
| Cash dividends to net income (ytd only)* | 8.1500% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 889 |
| Loan loss allowance to noncurrent loans | 89.3738% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 519 |
| Noncurrent loans to loans | 1.9078% | 663 |
| Net loans and leases to total assets | 81.5160% | 479 |
| Net loans and leases to deposits | 108.4888% | 257 |
| Net loans and leases to core deposits | 124.6358% | 329 |
| Total domestic deposits to total assets | 75.1377% | 4,494 |
| Equity capital to assets | 10.4307% | 2,848 |
| Core capital (leverage) ratio | 11.4370% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1444% | 1,465 |
| Memoranda: | ||
| Average total assets | $318,396,750 | 2,179 |
| Average earning assets | $296,432,750 | 2,176 |
| Average equity | $35,155,750 | 2,215 |
| Average total loans | $248,254,750 | 1,931 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1021% | 130 |
| Cost of funding earning assets | 1.9684% | 24 |
| Net interest margin | 4.1338% | 1,051 |
| Noninterest income to average assets | 5.8057% | 91 |
| Noninterest expense to average assets | 6.8745% | 112 |
| Loan and lease loss provision to assets | 1.2977% | 118 |
| Net operating income to assets | 1.1656% | 1,742 |
| Return on assets (ROA) | 1.1656% | 1,870 |
| Pretax return on assets | 1.4756% | 1,510 |
| Return on Equity (ROE) | 10.3344% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.5946% | 1,135 |
| Net charge-offs to loans | 1.3160% | 101 |
| Credit loss provision to net charge-offs | 129.6732% | 2,234 |
| Earnings coverage of net charge-offs (x) | 2.7712% | 2,737 |
| Efficiency ratio | 71.2542% | 1,792 |
| Assets per employee ($millions) | 2.8569% | 4,890 |
| Cash dividends to net income (ytd only)* | 16.8350% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 669 |
| Loan loss allowance to noncurrent loans | 118.4211% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 910 |
| Noncurrent loans to loans | 1.5113% | 1,002 |
| Net loans and leases to total assets | 78.2382% | 821 |
| Net loans and leases to deposits | 103.5177% | 395 |
| Net loans and leases to core deposits | 121.1526% | 396 |
| Total domestic deposits to total assets | 75.5795% | 4,468 |
| Equity capital to assets | 10.6404% | 2,629 |
| Core capital (leverage) ratio | 11.2149% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6859% | 1,321 |
| Memoranda: | ||
| Average total assets | $305,767,000 | 2,216 |
| Average earning assets | $284,196,333 | 2,222 |
| Average equity | $34,486,667 | 2,236 |
| Average total loans | $232,517,000 | 1,997 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6188% | 75 |
| Cost of funding earning assets | 2.1263% | 17 |
| Net interest margin | 4.4925% | 508 |
| Noninterest income to average assets | 5.3839% | 90 |
| Noninterest expense to average assets | 7.1371% | 115 |
| Loan and lease loss provision to assets | 1.2821% | 137 |
| Net operating income to assets | 0.8957% | 2,540 |
| Return on assets (ROA) | 0.8957% | 2,639 |
| Pretax return on assets | 1.1333% | 2,416 |
| Return on Equity (ROE) | 7.6954% | 2,639 |
| Retained earnings to average equity (ytd only) | 7.6954% | 1,319 |
| Net charge-offs to loans | 1.6091% | 93 |
| Credit loss provision to net charge-offs | 107.6835% | 1,774 |
| Earnings coverage of net charge-offs (x) | 2.0287% | 2,320 |
| Efficiency ratio | 74.7141% | 1,724 |
| Assets per employee ($millions) | 2.4995% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 453 |
| Loan loss allowance to noncurrent loans | 81.8800% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 492 |
| Noncurrent loans to loans | 2.5307% | 472 |
| Net loans and leases to total assets | 70.1023% | 2,234 |
| Net loans and leases to deposits | 80.6654% | 2,608 |
| Net loans and leases to core deposits | 94.0745% | 1,968 |
| Total domestic deposits to total assets | 86.9051% | 1,598 |
| Equity capital to assets | 11.7702% | 2,237 |
| Core capital (leverage) ratio | 10.7672% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1334% | 1,315 |
| Memoranda: | ||
| Average total assets | $292,947,500 | 2,250 |
| Average earning assets | $271,831,000 | 2,248 |
| Average equity | $34,098,500 | 2,240 |
| Average total loans | $216,770,000 | 2,065 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1480% | 67 |
| Cost of funding earning assets | 2.2463% | 18 |
| Net interest margin | 4.9017% | 329 |
| Noninterest income to average assets | 6.3223% | 85 |
| Noninterest expense to average assets | 7.3737% | 99 |
| Loan and lease loss provision to assets | 1.2577% | 69 |
| Net operating income to assets | 1.7331% | 616 |
| Return on assets (ROA) | 1.7393% | 647 |
| Pretax return on assets | 2.2017% | 385 |
| Return on Equity (ROE) | 16.4098% | 492 |
| Retained earnings to average equity (ytd only) | 16.4098% | 63 |
| Net charge-offs to loans | 1.4968% | 95 |
| Credit loss provision to net charge-offs | 118.1294% | 2,144 |
| Earnings coverage of net charge-offs (x) | 3.2418% | 3,341 |
| Efficiency ratio | 68.1158% | 2,440 |
| Assets per employee ($millions) | 2.5082% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 541 |
| Loan loss allowance to noncurrent loans | 115.9023% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2646% | 883 |
| Noncurrent loans to loans | 1.6437% | 846 |
| Net loans and leases to total assets | 74.9429% | 1,598 |
| Net loans and leases to deposits | 85.9867% | 2,090 |
| Net loans and leases to core deposits | 100.7338% | 1,502 |
| Total domestic deposits to total assets | 87.1564% | 1,537 |
| Equity capital to assets | 11.5098% | 2,520 |
| Core capital (leverage) ratio | 10.5605% | 2,896 |
| Tier 1 risk-based capital ratio | 15.1904% | 2,704 |
| Total risk-based capital ratio | 16.4512% | 2,633 |
| Memoranda: | ||
| Average total assets | $293,229,600 | 2,201 |
| Average earning assets | $269,376,400 | 2,212 |
| Average equity | $31,079,000 | 2,336 |
| Average total loans | $208,573,400 | 2,098 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2579% | 63 |
| Cost of funding earning assets | 2.2628% | 17 |
| Net interest margin | 4.9950% | 293 |
| Noninterest income to average assets | 6.3556% | 85 |
| Noninterest expense to average assets | 7.4516% | 103 |
| Loan and lease loss provision to assets | 1.4203% | 59 |
| Net operating income to assets | 1.6286% | 865 |
| Return on assets (ROA) | 1.6286% | 909 |
| Pretax return on assets | 2.0615% | 599 |
| Return on Equity (ROE) | 15.7033% | 658 |
| Retained earnings to average equity (ytd only) | 15.7033% | 118 |
| Net charge-offs to loans | 1.7224% | 71 |
| Credit loss provision to net charge-offs | 118.1165% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.8956% | 3,157 |
| Efficiency ratio | 68.1544% | 2,388 |
| Assets per employee ($millions) | 2.4263% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 466 |
| Loan loss allowance to noncurrent loans | 119.5087% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 918 |
| Noncurrent loans to loans | 1.6779% | 872 |
| Net loans and leases to total assets | 72.6489% | 2,062 |
| Net loans and leases to deposits | 83.1692% | 2,547 |
| Net loans and leases to core deposits | 95.8460% | 2,015 |
| Total domestic deposits to total assets | 87.3507% | 1,344 |
| Equity capital to assets | 11.4725% | 2,675 |
| Core capital (leverage) ratio | 9.1918% | 4,480 |
| Tier 1 risk-based capital ratio | 15.1894% | 2,760 |
| Total risk-based capital ratio | 16.4511% | 2,688 |
| Memoranda: | ||
| Average total assets | $293,173,500 | 2,214 |
| Average earning assets | $268,686,000 | 2,233 |
| Average equity | $30,404,750 | 2,380 |
| Average total loans | $204,668,250 | 2,146 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1717% | 66 |
| Cost of funding earning assets | 2.1245% | 33 |
| Net interest margin | 5.0472% | 259 |
| Noninterest income to average assets | 5.5655% | 87 |
| Noninterest expense to average assets | 7.1967% | 105 |
| Loan and lease loss provision to assets | 1.3081% | 65 |
| Net operating income to assets | 1.2394% | 2,010 |
| Return on assets (ROA) | 1.2394% | 2,061 |
| Pretax return on assets | 1.5693% | 1,641 |
| Return on Equity (ROE) | 12.3655% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.3655% | 366 |
| Net charge-offs to loans | 1.6882% | 68 |
| Credit loss provision to net charge-offs | 116.5567% | 1,781 |
| Earnings coverage of net charge-offs (x) | 2.5639% | 2,928 |
| Efficiency ratio | 71.4381% | 1,998 |
| Assets per employee ($millions) | 2.6821% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 527 |
| Loan loss allowance to noncurrent loans | 120.5633% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 1,123 |
| Noncurrent loans to loans | 1.6091% | 956 |
| Net loans and leases to total assets | 63.5818% | 3,388 |
| Net loans and leases to deposits | 71.4524% | 3,726 |
| Net loans and leases to core deposits | 82.4899% | 3,241 |
| Total domestic deposits to total assets | 88.9848% | 670 |
| Equity capital to assets | 9.6502% | 4,274 |
| Core capital (leverage) ratio | 8.8932% | 4,719 |
| Tier 1 risk-based capital ratio | 13.8355% | 3,405 |
| Total risk-based capital ratio | 15.0952% | 3,301 |
| Memoranda: | ||
| Average total assets | $297,079,670 | 2,199 |
| Average earning assets | $265,374,670 | 2,267 |
| Average equity | $29,776,330 | 2,412 |
| Average total loans | $197,493,670 | 2,209 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1725% | 64 |
| Cost of funding earning assets | 2.0123% | 53 |
| Net interest margin | 5.1602% | 213 |
| Noninterest income to average assets | 5.7375% | 86 |
| Noninterest expense to average assets | 6.9874% | 107 |
| Loan and lease loss provision to assets | 0.8825% | 104 |
| Net operating income to assets | 2.0183% | 377 |
| Return on assets (ROA) | 2.0183% | 392 |
| Pretax return on assets | 2.5542% | 227 |
| Return on Equity (ROE) | 19.7323% | 282 |
| Retained earnings to average equity (ytd only) | 19.7323% | 112 |
| Net charge-offs to loans | 1.1362% | 114 |
| Credit loss provision to net charge-offs | 115.2727% | 1,457 |
| Earnings coverage of net charge-offs (x) | 4.4891% | 2,322 |
| Efficiency ratio | 67.0316% | 2,793 |
| Assets per employee ($millions) | 2.6224% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9562% | 545 |
| Loan loss allowance to noncurrent loans | 109.7625% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3313% | 965 |
| Noncurrent loans to loans | 1.7822% | 869 |
| Net loans and leases to total assets | 64.0834% | 3,277 |
| Net loans and leases to deposits | 72.2384% | 3,588 |
| Net loans and leases to core deposits | 83.0648% | 3,104 |
| Total domestic deposits to total assets | 88.7110% | 992 |
| Equity capital to assets | 10.1679% | 3,660 |
| Core capital (leverage) ratio | 9.3802% | 4,284 |
| Tier 1 risk-based capital ratio | 14.4146% | 3,140 |
| Total risk-based capital ratio | 15.6743% | 3,064 |
| Memoranda: | ||
| Average total assets | $287,374,500 | 2,267 |
| Average earning assets | $260,995,500 | 2,308 |
| Average equity | $29,393,500 | 2,447 |
| Average total loans | $193,635,000 | 2,261 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4711% | 54 |
| Cost of funding earning assets | 1.5907% | 61 |
| Net interest margin | 5.8804% | 74 |
| Noninterest income to average assets | 5.9083% | 87 |
| Noninterest expense to average assets | 7.5659% | 95 |
| Loan and lease loss provision to assets | 0.9812% | 89 |
| Net operating income to assets | 2.0373% | 333 |
| Return on assets (ROA) | 2.0373% | 330 |
| Pretax return on assets | 2.6615% | 157 |
| Return on Equity (ROE) | 19.0044% | 311 |
| Retained earnings to average equity (ytd only) | 19.0044% | 41 |
| Net charge-offs to loans | 1.1097% | 126 |
| Credit loss provision to net charge-offs | 115.0339% | 2,255 |
| Earnings coverage of net charge-offs (x) | 4.2706% | 3,311 |
| Efficiency ratio | 67.5007% | 2,624 |
| Assets per employee ($millions) | 2.4422% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 557 |
| Loan loss allowance to noncurrent loans | 112.4090% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 883 |
| Noncurrent loans to loans | 1.7027% | 847 |
| Net loans and leases to total assets | 68.1986% | 2,856 |
| Net loans and leases to deposits | 77.0456% | 3,274 |
| Net loans and leases to core deposits | 87.4714% | 2,791 |
| Total domestic deposits to total assets | 88.5171% | 1,063 |
| Equity capital to assets | 10.2925% | 3,384 |
| Core capital (leverage) ratio | 9.4879% | 4,122 |
| Tier 1 risk-based capital ratio | 13.7811% | 3,396 |
| Total risk-based capital ratio | 15.0406% | 3,321 |
| Memoranda: | ||
| Average total assets | $241,743,400 | 2,537 |
| Average earning assets | $217,891,600 | 2,580 |
| Average equity | $25,915,000 | 2,573 |
| Average total loans | $185,821,800 | 2,290 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5785% | 49 |
| Cost of funding earning assets | 1.4755% | 73 |
| Net interest margin | 6.1030% | 70 |
| Noninterest income to average assets | 5.8898% | 86 |
| Noninterest expense to average assets | 7.7530% | 92 |
| Loan and lease loss provision to assets | 1.1036% | 71 |
| Net operating income to assets | 1.8987% | 487 |
| Return on assets (ROA) | 1.8987% | 484 |
| Pretax return on assets | 2.5178% | 227 |
| Return on Equity (ROE) | 17.5027% | 484 |
| Retained earnings to average equity (ytd only) | 17.5027% | 96 |
| Net charge-offs to loans | 1.1391% | 122 |
| Credit loss provision to net charge-offs | 122.5334% | 1,961 |
| Earnings coverage of net charge-offs (x) | 4.0210% | 3,108 |
| Efficiency ratio | 68.1619% | 2,509 |
| Assets per employee ($millions) | 2.3321% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 470 |
| Loan loss allowance to noncurrent loans | 109.9736% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 782 |
| Noncurrent loans to loans | 1.8351% | 835 |
| Net loans and leases to total assets | 70.9534% | 2,502 |
| Net loans and leases to deposits | 80.0639% | 3,037 |
| Net loans and leases to core deposits | 90.2789% | 2,638 |
| Total domestic deposits to total assets | 88.6210% | 995 |
| Equity capital to assets | 10.5327% | 3,112 |
| Core capital (leverage) ratio | 9.5759% | 4,087 |
| Tier 1 risk-based capital ratio | 13.5025% | 3,628 |
| Total risk-based capital ratio | 14.7636% | 3,532 |
| Memoranda: | ||
| Average total assets | $232,575,500 | 2,605 |
| Average earning assets | $209,007,500 | 2,660 |
| Average equity | $25,229,750 | 2,643 |
| Average total loans | $183,882,250 | 2,317 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5002% | 48 |
| Cost of funding earning assets | 1.3701% | 80 |
| Net interest margin | 6.1301% | 68 |
| Noninterest income to average assets | 5.7633% | 87 |
| Noninterest expense to average assets | 7.8284% | 93 |
| Loan and lease loss provision to assets | 1.2788% | 55 |
| Net operating income to assets | 1.5869% | 944 |
| Return on assets (ROA) | 1.5869% | 950 |
| Pretax return on assets | 2.1862% | 399 |
| Return on Equity (ROE) | 14.4682% | 965 |
| Retained earnings to average equity (ytd only) | 14.4682% | 239 |
| Net charge-offs to loans | 1.1885% | 107 |
| Credit loss provision to net charge-offs | 131.8641% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.5730% | 2,866 |
| Efficiency ratio | 69.3187% | 2,422 |
| Assets per employee ($millions) | 2.2894% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 643 |
| Loan loss allowance to noncurrent loans | 108.1190% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 724 |
| Noncurrent loans to loans | 1.7505% | 906 |
| Net loans and leases to total assets | 82.2597% | 684 |
| Net loans and leases to deposits | 93.4986% | 1,414 |
| Net loans and leases to core deposits | 103.2375% | 1,461 |
| Total domestic deposits to total assets | 87.9796% | 1,396 |
| Equity capital to assets | 10.8152% | 2,825 |
| Core capital (leverage) ratio | 9.8222% | 3,764 |
| Tier 1 risk-based capital ratio | 12.8619% | 3,975 |
| Total risk-based capital ratio | 14.1233% | 3,882 |
| Memoranda: | ||
| Average total assets | $224,592,000 | 2,685 |
| Average earning assets | $202,608,000 | 2,729 |
| Average equity | $24,633,330 | 2,691 |
| Average total loans | $183,255,330 | 2,326 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4305% | 43 |
| Cost of funding earning assets | 1.3037% | 82 |
| Net interest margin | 6.1267% | 61 |
| Noninterest income to average assets | 6.0132% | 83 |
| Noninterest expense to average assets | 7.5987% | 98 |
| Loan and lease loss provision to assets | 1.5727% | 47 |
| Net operating income to assets | 1.7061% | 680 |
| Return on assets (ROA) | 1.7061% | 690 |
| Pretax return on assets | 2.3527% | 291 |
| Return on Equity (ROE) | 15.4390% | 722 |
| Retained earnings to average equity (ytd only) | 15.4390% | 290 |
| Net charge-offs to loans | 1.4839% | 94 |
| Credit loss provision to net charge-offs | 131.8530% | 1,323 |
| Earnings coverage of net charge-offs (x) | 3.2910% | 2,399 |
| Efficiency ratio | 65.9375% | 3,166 |
| Assets per employee ($millions) | 2.3041% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 576 |
| Loan loss allowance to noncurrent loans | 92.5983% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9810% | 580 |
| Noncurrent loans to loans | 2.1294% | 725 |
| Net loans and leases to total assets | 80.9777% | 795 |
| Net loans and leases to deposits | 91.9210% | 1,458 |
| Net loans and leases to core deposits | 100.3108% | 1,663 |
| Total domestic deposits to total assets | 88.0948% | 1,565 |
| Equity capital to assets | 11.1470% | 2,436 |
| Core capital (leverage) ratio | 9.9052% | 3,635 |
| Tier 1 risk-based capital ratio | 12.8453% | 4,037 |
| Total risk-based capital ratio | 14.1085% | 3,924 |
| Memoranda: | ||
| Average total assets | $218,984,000 | 2,766 |
| Average earning assets | $196,973,000 | 2,813 |
| Average equity | $24,198,500 | 2,755 |
| Average total loans | $176,024,500 | 2,401 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3368% | 91 |
| Cost of funding earning assets | 1.1970% | 75 |
| Net interest margin | 5.1398% | 181 |
| Noninterest income to average assets | 4.7179% | 112 |
| Noninterest expense to average assets | 6.3400% | 138 |
| Loan and lease loss provision to assets | 0.6116% | 206 |
| Net operating income to assets | 1.2092% | 1,490 |
| Return on assets (ROA) | 1.2092% | 1,519 |
| Pretax return on assets | 2.4085% | 214 |
| Return on Equity (ROE) | 11.1248% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.8960% | 1,118 |
| Net charge-offs to loans | 0.5686% | 404 |
| Credit loss provision to net charge-offs | 147.6298% | 1,805 |
| Earnings coverage of net charge-offs (x) | 7.2901% | 3,061 |
| Efficiency ratio | 67.7340% | 2,947 |
| Assets per employee ($millions) | 2.3821% | 5,498 |
| Cash dividends to net income (ytd only)* | 38.0124% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 537 |
| Loan loss allowance to noncurrent loans | 89.2013% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.9080% | 618 |
| Noncurrent loans to loans | 2.2477% | 637 |
| Net loans and leases to total assets | 76.5466% | 1,504 |
| Net loans and leases to deposits | 86.9335% | 2,139 |
| Net loans and leases to core deposits | 95.0344% | 2,114 |
| Total domestic deposits to total assets | 88.0519% | 1,473 |
| Equity capital to assets | 10.9517% | 2,675 |
| Core capital (leverage) ratio | 9.1519% | 4,458 |
| Tier 1 risk-based capital ratio | 12.4002% | 4,265 |
| Total risk-based capital ratio | 13.6726% | 4,155 |
| Memoranda: | ||
| Average total assets | $213,864,400 | 2,779 |
| Average earning assets | $193,157,600 | 2,831 |
| Average equity | $23,245,400 | 2,833 |
| Average total loans | $155,822,200 | 2,591 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1335% | 113 |
| Cost of funding earning assets | 1.1725% | 73 |
| Net interest margin | 4.9610% | 242 |
| Noninterest income to average assets | 4.5003% | 129 |
| Noninterest expense to average assets | 6.1167% | 144 |
| Loan and lease loss provision to assets | 0.6944% | 161 |
| Net operating income to assets | 1.7578% | 511 |
| Return on assets (ROA) | 1.7578% | 528 |
| Pretax return on assets | 2.1782% | 382 |
| Return on Equity (ROE) | 16.2037% | 503 |
| Retained earnings to average equity (ytd only) | 10.5353% | 483 |
| Net charge-offs to loans | 0.5746% | 344 |
| Credit loss provision to net charge-offs | 168.9498% | 1,538 |
| Earnings coverage of net charge-offs (x) | 6.9893% | 2,921 |
| Efficiency ratio | 68.0445% | 2,866 |
| Assets per employee ($millions) | 2.4379% | 5,540 |
| Cash dividends to net income (ytd only)* | 34.9821% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1228% | 464 |
| Loan loss allowance to noncurrent loans | 105.0920% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.7666% | 799 |
| Noncurrent loans to loans | 2.0200% | 844 |
| Net loans and leases to total assets | 72.8031% | 2,125 |
| Net loans and leases to deposits | 82.6175% | 2,708 |
| Net loans and leases to core deposits | 90.1291% | 2,599 |
| Total domestic deposits to total assets | 88.1206% | 1,303 |
| Equity capital to assets | 11.0475% | 2,824 |
| Core capital (leverage) ratio | 8.6795% | 5,081 |
| Tier 1 risk-based capital ratio | 12.3288% | 4,423 |
| Total risk-based capital ratio | 13.6082% | 4,312 |
| Memoranda: | ||
| Average total assets | $213,138,000 | 2,809 |
| Average earning assets | $192,860,000 | 2,862 |
| Average equity | $23,121,750 | 2,866 |
| Average total loans | $152,446,500 | 2,644 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9663% | 130 |
| Cost of funding earning assets | 1.1610% | 68 |
| Net interest margin | 4.8053% | 321 |
| Noninterest income to average assets | 4.3141% | 132 |
| Noninterest expense to average assets | 6.0142% | 155 |
| Loan and lease loss provision to assets | 0.6816% | 160 |
| Net operating income to assets | 1.7662% | 484 |
| Return on assets (ROA) | 1.7662% | 494 |
| Pretax return on assets | 1.9437% | 597 |
| Return on Equity (ROE) | 16.3843% | 478 |
| Retained earnings to average equity (ytd only) | 7.7762% | 1,248 |
| Net charge-offs to loans | 0.5874% | 333 |
| Credit loss provision to net charge-offs | 164.4647% | 1,438 |
| Earnings coverage of net charge-offs (x) | 6.3349% | 2,721 |
| Efficiency ratio | 69.6132% | 2,748 |
| Assets per employee ($millions) | 2.4681% | 5,570 |
| Cash dividends to net income (ytd only)* | 52.5387% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1124% | 499 |
| Loan loss allowance to noncurrent loans | 90.7722% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 682 |
| Noncurrent loans to loans | 2.3271% | 679 |
| Net loans and leases to total assets | 70.2675% | 2,487 |
| Net loans and leases to deposits | 79.6159% | 2,952 |
| Net loans and leases to core deposits | 86.0768% | 2,872 |
| Total domestic deposits to total assets | 88.2582% | 1,327 |
| Equity capital to assets | 10.7266% | 3,109 |
| Core capital (leverage) ratio | 8.3841% | 5,293 |
| Tier 1 risk-based capital ratio | 12.0250% | 4,618 |
| Total risk-based capital ratio | 13.3048% | 4,479 |
| Memoranda: | ||
| Average total assets | $211,864,670 | 2,839 |
| Average earning assets | $190,704,330 | 2,903 |
| Average equity | $22,839,000 | 2,896 |
| Average total loans | $149,465,670 | 2,684 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 156 |
| Cost of funding earning assets | 1.1460% | 73 |
| Net interest margin | 4.6556% | 402 |
| Noninterest income to average assets | 3.5394% | 169 |
| Noninterest expense to average assets | 5.1646% | 218 |
| Loan and lease loss provision to assets | 0.6216% | 159 |
| Net operating income to assets | 2.2886% | 196 |
| Return on assets (ROA) | 2.2886% | 200 |
| Pretax return on assets | 1.9617% | 546 |
| Return on Equity (ROE) | 21.1767% | 183 |
| Retained earnings to average equity (ytd only) | 21.1767% | 92 |
| Net charge-offs to loans | 0.6552% | 273 |
| Credit loss provision to net charge-offs | 135.6846% | 1,286 |
| Earnings coverage of net charge-offs (x) | 5.6390% | 2,273 |
| Efficiency ratio | 66.6585% | 3,385 |
| Assets per employee ($millions) | 3.2253% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0960% | 561 |
| Loan loss allowance to noncurrent loans | 83.0573% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 661 |
| Noncurrent loans to loans | 2.5235% | 618 |
| Net loans and leases to total assets | 67.1239% | 2,800 |
| Net loans and leases to deposits | 75.8928% | 3,212 |
| Net loans and leases to core deposits | 81.6302% | 3,126 |
| Total domestic deposits to total assets | 88.4456% | 1,459 |
| Equity capital to assets | 10.9667% | 2,663 |
| Core capital (leverage) ratio | 8.7759% | 4,979 |
| Tier 1 risk-based capital ratio | 13.1610% | 3,986 |
| Total risk-based capital ratio | 14.4382% | 3,877 |
| Memoranda: | ||
| Average total assets | $210,433,000 | 2,884 |
| Average earning assets | $190,222,500 | 2,933 |
| Average equity | $22,742,000 | 2,921 |
| Average total loans | $147,128,500 | 2,731 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0298% | 122 |
| Cost of funding earning assets | 1.0766% | 111 |
| Net interest margin | 4.9532% | 270 |
| Noninterest income to average assets | 3.1656% | 186 |
| Noninterest expense to average assets | 5.4209% | 216 |
| Loan and lease loss provision to assets | 1.0542% | 95 |
| Net operating income to assets | 1.1062% | 1,874 |
| Return on assets (ROA) | 1.1062% | 1,967 |
| Pretax return on assets | 1.2022% | 2,665 |
| Return on Equity (ROE) | 10.3565% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.3565% | 366 |
| Net charge-offs to loans | 1.2166% | 138 |
| Credit loss provision to net charge-offs | 112.7799% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.4140% | 3,836 |
| Efficiency ratio | 70.6097% | 2,809 |
| Assets per employee ($millions) | 3.1999% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 652 |
| Loan loss allowance to noncurrent loans | 73.1905% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.5784% | 453 |
| Noncurrent loans to loans | 2.7389% | 540 |
| Net loans and leases to total assets | 69.8756% | 2,498 |
| Net loans and leases to deposits | 78.9176% | 3,000 |
| Net loans and leases to core deposits | 83.8489% | 3,039 |
| Total domestic deposits to total assets | 88.5425% | 1,358 |
| Equity capital to assets | 10.6441% | 2,986 |
| Core capital (leverage) ratio | 8.8736% | 4,885 |
| Tier 1 risk-based capital ratio | 13.0142% | 4,070 |
| Total risk-based capital ratio | 14.2932% | 3,954 |
| Memoranda: | ||
| Average total assets | $195,888,600 | 2,999 |
| Average earning assets | $178,429,400 | 3,030 |
| Average equity | $20,924,000 | 3,072 |
| Average total loans | $150,502,600 | 2,637 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1315% | 105 |
| Cost of funding earning assets | 1.0535% | 125 |
| Net interest margin | 5.0780% | 220 |
| Noninterest income to average assets | 2.8510% | 220 |
| Noninterest expense to average assets | 5.5409% | 200 |
| Loan and lease loss provision to assets | 0.8814% | 118 |
| Net operating income to assets | 0.9810% | 2,512 |
| Return on assets (ROA) | 0.9810% | 2,651 |
| Pretax return on assets | 1.0439% | 3,456 |
| Return on Equity (ROE) | 9.1752% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.1752% | 765 |
| Net charge-offs to loans | 0.8121% | 217 |
| Credit loss provision to net charge-offs | 138.5870% | 1,881 |
| Earnings coverage of net charge-offs (x) | 3.0272% | 3,476 |
| Efficiency ratio | 74.2130% | 2,247 |
| Assets per employee ($millions) | 3.0074% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 623 |
| Loan loss allowance to noncurrent loans | 79.0294% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.2467% | 644 |
| Noncurrent loans to loans | 2.6373% | 636 |
| Net loans and leases to total assets | 72.1367% | 2,170 |
| Net loans and leases to deposits | 81.1997% | 2,830 |
| Net loans and leases to core deposits | 86.2840% | 2,924 |
| Total domestic deposits to total assets | 88.8386% | 993 |
| Equity capital to assets | 10.6205% | 3,439 |
| Core capital (leverage) ratio | 8.9988% | 4,830 |
| Tier 1 risk-based capital ratio | 12.9067% | 4,220 |
| Total risk-based capital ratio | 14.1861% | 4,110 |
| Memoranda: | ||
| Average total assets | $192,862,250 | 3,042 |
| Average earning assets | $175,287,250 | 3,069 |
| Average equity | $20,620,250 | 3,132 |
| Average total loans | $151,050,750 | 2,626 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1490% | 110 |
| Cost of funding earning assets | 1.0281% | 145 |
| Net interest margin | 5.1209% | 200 |
| Noninterest income to average assets | 2.6223% | 241 |
| Noninterest expense to average assets | 5.6205% | 200 |
| Loan and lease loss provision to assets | 0.8369% | 125 |
| Net operating income to assets | 0.9264% | 2,737 |
| Return on assets (ROA) | 0.9264% | 2,872 |
| Pretax return on assets | 0.8211% | 4,212 |
| Return on Equity (ROE) | 8.6443% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.6443% | 952 |
| Net charge-offs to loans | 0.7425% | 274 |
| Credit loss provision to net charge-offs | 140.9574% | 1,673 |
| Earnings coverage of net charge-offs (x) | 2.7926% | 3,207 |
| Efficiency ratio | 77.2201% | 1,892 |
| Assets per employee ($millions) | 3.0539% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 888 |
| Loan loss allowance to noncurrent loans | 71.1377% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.5516% | 535 |
| Noncurrent loans to loans | 2.6787% | 614 |
| Net loans and leases to total assets | 78.2253% | 1,170 |
| Net loans and leases to deposits | 88.1372% | 1,978 |
| Net loans and leases to core deposits | 93.3217% | 2,226 |
| Total domestic deposits to total assets | 88.7540% | 1,039 |
| Equity capital to assets | 10.6745% | 3,434 |
| Core capital (leverage) ratio | 8.9220% | 4,917 |
| Tier 1 risk-based capital ratio | 12.3155% | 4,636 |
| Total risk-based capital ratio | 13.5934% | 4,542 |
| Memoranda: | ||
| Average total assets | $189,983,670 | 3,087 |
| Average earning assets | $172,742,670 | 3,111 |
| Average equity | $20,360,330 | 3,157 |
| Average total loans | $151,918,330 | 2,623 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2744% | 93 |
| Cost of funding earning assets | 1.0044% | 165 |
| Net interest margin | 5.2700% | 156 |
| Noninterest income to average assets | 1.9610% | 349 |
| Noninterest expense to average assets | 5.1738% | 251 |
| Loan and lease loss provision to assets | 0.9677% | 96 |
| Net operating income to assets | 0.5639% | 4,349 |
| Return on assets (ROA) | 0.5639% | 4,453 |
| Pretax return on assets | 0.5832% | 4,867 |
| Return on Equity (ROE) | 5.2514% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.2514% | 2,783 |
| Net charge-offs to loans | 0.5095% | 426 |
| Credit loss provision to net charge-offs | 237.1728% | 973 |
| Earnings coverage of net charge-offs (x) | 3.8010% | 2,498 |
| Efficiency ratio | 76.9377% | 2,052 |
| Assets per employee ($millions) | 3.0033% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 800 |
| Loan loss allowance to noncurrent loans | 63.1656% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.9977% | 420 |
| Noncurrent loans to loans | 3.1903% | 473 |
| Net loans and leases to total assets | 75.9154% | 1,406 |
| Net loans and leases to deposits | 85.2551% | 2,165 |
| Net loans and leases to core deposits | 89.3417% | 2,437 |
| Total domestic deposits to total assets | 89.0450% | 1,075 |
| Equity capital to assets | 10.5299% | 3,454 |
| Core capital (leverage) ratio | 8.5743% | 5,319 |
| Tier 1 risk-based capital ratio | 12.0706% | 4,872 |
| Total risk-based capital ratio | 13.3474% | 4,755 |
| Memoranda: | ||
| Average total assets | $187,252,000 | 3,122 |
| Average earning assets | $169,260,500 | 3,165 |
| Average equity | $20,109,000 | 3,188 |
| Average total loans | $149,948,000 | 2,648 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4417% | 83 |
| Cost of funding earning assets | 0.9712% | 198 |
| Net interest margin | 5.4705% | 131 |
| Noninterest income to average assets | 2.2475% | 302 |
| Noninterest expense to average assets | 5.1876% | 249 |
| Loan and lease loss provision to assets | 0.7724% | 127 |
| Net operating income to assets | 2.7432% | 114 |
| Return on assets (ROA) | 2.7432% | 115 |
| Pretax return on assets | 1.0852% | 3,129 |
| Return on Equity (ROE) | 27.3141% | 76 |
| Retained earnings to average equity (ytd only) | 27.3141% | 36 |
| Net charge-offs to loans | 0.6688% | 357 |
| Credit loss provision to net charge-offs | 135.8061% | 1,931 |
| Earnings coverage of net charge-offs (x) | 3.2661% | 3,753 |
| Efficiency ratio | 73.6325% | 2,637 |
| Assets per employee ($millions) | 3.2552% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 1,107 |
| Loan loss allowance to noncurrent loans | 59.0429% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.1839% | 400 |
| Noncurrent loans to loans | 3.0727% | 510 |
| Net loans and leases to total assets | 81.3188% | 662 |
| Net loans and leases to deposits | 91.7944% | 1,425 |
| Net loans and leases to core deposits | 95.4594% | 1,898 |
| Total domestic deposits to total assets | 88.5880% | 1,333 |
| Equity capital to assets | 10.9595% | 2,862 |
| Core capital (leverage) ratio | 9.3056% | 4,465 |
| Tier 1 risk-based capital ratio | 11.9363% | 4,996 |
| Total risk-based capital ratio | 13.2149% | 4,877 |
| Memoranda: | ||
| Average total assets | $177,751,400 | 3,203 |
| Average earning assets | $155,890,400 | 3,317 |
| Average equity | $17,851,600 | 3,399 |
| Average total loans | $151,156,400 | 2,583 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4645% | 78 |
| Cost of funding earning assets | 0.9692% | 203 |
| Net interest margin | 5.4953% | 127 |
| Noninterest income to average assets | 2.3817% | 277 |
| Noninterest expense to average assets | 5.3485% | 228 |
| Loan and lease loss provision to assets | 0.7670% | 94 |
| Net operating income to assets | 3.2763% | 78 |
| Return on assets (ROA) | 3.2763% | 77 |
| Pretax return on assets | 1.0516% | 3,404 |
| Return on Equity (ROE) | 33.4095% | 35 |
| Retained earnings to average equity (ytd only) | 33.4095% | 19 |
| Net charge-offs to loans | 0.6446% | 346 |
| Credit loss provision to net charge-offs | 138.9877% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.2955% | 3,523 |
| Efficiency ratio | 74.6261% | 2,453 |
| Assets per employee ($millions) | 2.9116% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 1,388 |
| Loan loss allowance to noncurrent loans | 58.9681% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.2560% | 430 |
| Noncurrent loans to loans | 2.9512% | 606 |
| Net loans and leases to total assets | 84.6562% | 332 |
| Net loans and leases to deposits | 95.7554% | 1,033 |
| Net loans and leases to core deposits | 98.7054% | 1,635 |
| Total domestic deposits to total assets | 88.4088% | 1,339 |
| Equity capital to assets | 10.9471% | 3,085 |
| Core capital (leverage) ratio | 9.1377% | 4,828 |
| Tier 1 risk-based capital ratio | 11.3987% | 5,428 |
| Total risk-based capital ratio | 12.6761% | 5,330 |
| Memoranda: | ||
| Average total assets | $176,616,750 | 3,238 |
| Average earning assets | $153,800,250 | 3,375 |
| Average equity | $17,320,000 | 3,516 |
| Average total loans | $151,201,750 | 2,593 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3164% | 94 |
| Cost of funding earning assets | 0.9706% | 201 |
| Net interest margin | 5.3458% | 156 |
| Noninterest income to average assets | 2.6344% | 253 |
| Noninterest expense to average assets | 5.6193% | 209 |
| Loan and lease loss provision to assets | 0.5230% | 187 |
| Net operating income to assets | 4.4541% | 55 |
| Return on assets (ROA) | 4.4541% | 55 |
| Pretax return on assets | 1.1096% | 3,130 |
| Return on Equity (ROE) | 47.2661% | 23 |
| Retained earnings to average equity (ytd only) | 47.2661% | 12 |
| Net charge-offs to loans | 0.7105% | 317 |
| Credit loss provision to net charge-offs | 86.1682% | 2,257 |
| Earnings coverage of net charge-offs (x) | 2.6897% | 3,304 |
| Efficiency ratio | 77.4875% | 2,137 |
| Assets per employee ($millions) | 2.8608% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,147 |
| Loan loss allowance to noncurrent loans | 44.7184% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3100% | 457 |
| Noncurrent loans to loans | 3.4281% | 524 |
| Net loans and leases to total assets | 83.3981% | 425 |
| Net loans and leases to deposits | 94.0143% | 1,151 |
| Net loans and leases to core deposits | 97.9791% | 1,657 |
| Total domestic deposits to total assets | 88.7078% | 1,292 |
| Equity capital to assets | 10.7289% | 3,184 |
| Core capital (leverage) ratio | 9.0066% | 4,960 |
| Tier 1 risk-based capital ratio | 11.1314% | 5,651 |
| Total risk-based capital ratio | 12.4063% | 5,559 |
| Memoranda: | ||
| Average total assets | $176,286,000 | 3,265 |
| Average earning assets | $152,270,000 | 3,414 |
| Average equity | $16,612,330 | 3,623 |
| Average total loans | $150,595,670 | 2,608 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1424% | 113 |
| Cost of funding earning assets | 0.9508% | 224 |
| Net interest margin | 5.1916% | 178 |
| Noninterest income to average assets | 2.5674% | 264 |
| Noninterest expense to average assets | 5.0483% | 284 |
| Loan and lease loss provision to assets | 0.6669% | 138 |
| Net operating income to assets | 1.3611% | 1,113 |
| Return on assets (ROA) | 1.3611% | 1,178 |
| Pretax return on assets | 1.3634% | 2,024 |
| Return on Equity (ROE) | 15.5289% | 631 |
| Retained earnings to average equity (ytd only) | 15.5289% | 242 |
| Net charge-offs to loans | 0.7455% | 317 |
| Credit loss provision to net charge-offs | 104.2705% | 1,567 |
| Earnings coverage of net charge-offs (x) | 3.1744% | 2,643 |
| Efficiency ratio | 71.3183% | 3,280 |
| Assets per employee ($millions) | 2.7701% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 2,083 |
| Loan loss allowance to noncurrent loans | 35.0705% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 4.3337% | 318 |
| Noncurrent loans to loans | 4.5353% | 340 |
| Net loans and leases to total assets | 84.6956% | 269 |
| Net loans and leases to deposits | 93.4991% | 1,035 |
| Net loans and leases to core deposits | 97.1246% | 1,543 |
| Total domestic deposits to total assets | 90.5844% | 499 |
| Equity capital to assets | 8.9974% | 5,293 |
| Core capital (leverage) ratio | 8.6228% | 5,403 |
| Tier 1 risk-based capital ratio | 11.0307% | 5,793 |
| Total risk-based capital ratio | 12.2866% | 5,715 |
| Memoranda: | ||
| Average total assets | $175,743,500 | 3,294 |
| Average earning assets | $152,708,500 | 3,423 |
| Average equity | $15,403,500 | 3,854 |
| Average total loans | $150,780,000 | 2,614 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9384% | 168 |
| Cost of funding earning assets | 0.9514% | 288 |
| Net interest margin | 4.9869% | 313 |
| Noninterest income to average assets | 2.7359% | 214 |
| Noninterest expense to average assets | 5.4253% | 238 |
| Loan and lease loss provision to assets | 0.9529% | 122 |
| Net operating income to assets | 0.6302% | 4,235 |
| Return on assets (ROA) | 0.6302% | 4,342 |
| Pretax return on assets | 0.6347% | 4,822 |
| Return on Equity (ROE) | 9.0099% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.0099% | 704 |
| Net charge-offs to loans | 1.1515% | 241 |
| Credit loss provision to net charge-offs | 98.1503% | 2,465 |
| Earnings coverage of net charge-offs (x) | 1.6353% | 4,373 |
| Efficiency ratio | 77.3608% | 2,301 |
| Assets per employee ($millions) | 2.9495% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 2,191 |
| Loan loss allowance to noncurrent loans | 32.4727% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 4.7602% | 307 |
| Noncurrent loans to loans | 4.8361% | 317 |
| Net loans and leases to total assets | 84.1871% | 330 |
| Net loans and leases to deposits | 94.7248% | 1,017 |
| Net loans and leases to core deposits | 97.8960% | 1,559 |
| Total domestic deposits to total assets | 88.8755% | 1,306 |
| Equity capital to assets | 8.5354% | 5,714 |
| Core capital (leverage) ratio | 8.5338% | 5,520 |
| Tier 1 risk-based capital ratio | 11.0827% | 5,877 |
| Total risk-based capital ratio | 12.3391% | 5,816 |
| Memoranda: | ||
| Average total assets | $178,184,800 | 3,227 |
| Average earning assets | $152,820,200 | 3,396 |
| Average equity | $12,464,000 | 4,278 |
| Average total loans | $150,232,400 | 2,565 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 195 |
| Cost of funding earning assets | 0.9507% | 307 |
| Net interest margin | 4.8546% | 375 |
| Noninterest income to average assets | 2.7445% | 217 |
| Noninterest expense to average assets | 5.4336% | 236 |
| Loan and lease loss provision to assets | 1.0577% | 106 |
| Net operating income to assets | 0.4086% | 5,210 |
| Return on assets (ROA) | 0.4086% | 5,289 |
| Pretax return on assets | 0.4146% | 5,549 |
| Return on Equity (ROE) | 6.1787% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.1787% | 2,285 |
| Net charge-offs to loans | 1.3373% | 200 |
| Credit loss provision to net charge-offs | 94.1489% | 2,357 |
| Earnings coverage of net charge-offs (x) | 1.3105% | 4,186 |
| Efficiency ratio | 78.6804% | 2,091 |
| Assets per employee ($millions) | 2.8987% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 2,490 |
| Loan loss allowance to noncurrent loans | 32.7825% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 4.7580% | 374 |
| Noncurrent loans to loans | 4.7366% | 401 |
| Net loans and leases to total assets | 83.2224% | 384 |
| Net loans and leases to deposits | 92.9266% | 1,139 |
| Net loans and leases to core deposits | 95.3842% | 1,727 |
| Total domestic deposits to total assets | 89.5571% | 957 |
| Equity capital to assets | 8.2169% | 6,001 |
| Core capital (leverage) ratio | 8.2153% | 5,915 |
| Tier 1 risk-based capital ratio | 10.8012% | 6,090 |
| Total risk-based capital ratio | 12.0571% | 6,032 |
| Memoranda: | ||
| Average total assets | $178,488,750 | 3,248 |
| Average earning assets | $153,006,750 | 3,417 |
| Average equity | $11,803,750 | 4,423 |
| Average total loans | $149,950,000 | 2,575 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 224 |
| Cost of funding earning assets | 0.9511% | 315 |
| Net interest margin | 4.7387% | 458 |
| Noninterest income to average assets | 2.9646% | 190 |
| Noninterest expense to average assets | 5.6153% | 219 |
| Loan and lease loss provision to assets | 1.1249% | 85 |
| Net operating income to assets | 0.2893% | 5,606 |
| Return on assets (ROA) | 0.2893% | 5,674 |
| Pretax return on assets | 0.2982% | 5,780 |
| Return on Equity (ROE) | 4.7543% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.7543% | 3,116 |
| Net charge-offs to loans | 1.4683% | 191 |
| Credit loss provision to net charge-offs | 91.3793% | 2,154 |
| Earnings coverage of net charge-offs (x) | 1.1561% | 3,879 |
| Efficiency ratio | 79.7810% | 2,050 |
| Assets per employee ($millions) | 2.8724% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 2,673 |
| Loan loss allowance to noncurrent loans | 34.0444% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 4.6645% | 411 |
| Noncurrent loans to loans | 4.5472% | 480 |
| Net loans and leases to total assets | 83.9896% | 301 |
| Net loans and leases to deposits | 95.3728% | 852 |
| Net loans and leases to core deposits | 97.9559% | 1,447 |
| Total domestic deposits to total assets | 88.0645% | 1,867 |
| Equity capital to assets | 8.1282% | 6,081 |
| Core capital (leverage) ratio | 8.1261% | 6,001 |
| Tier 1 risk-based capital ratio | 10.7794% | 6,141 |
| Total risk-based capital ratio | 12.0354% | 6,083 |
| Memoranda: | ||
| Average total assets | $179,045,330 | 3,261 |
| Average earning assets | $153,925,670 | 3,413 |
| Average equity | $10,895,330 | 4,637 |
| Average total loans | $150,108,670 | 2,576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8594% | 177 |
| Cost of funding earning assets | 0.9435% | 352 |
| Net interest margin | 4.9159% | 313 |
| Noninterest income to average assets | 1.8899% | 371 |
| Noninterest expense to average assets | 5.5349% | 234 |
| Loan and lease loss provision to assets | 0.6123% | 216 |
| Net operating income to assets | -0.0531% | 6,248 |
| Return on assets (ROA) | -0.0531% | 6,257 |
| Pretax return on assets | -0.0420% | 6,244 |
| Return on Equity (ROE) | -1.0410% | 6,302 |
| Retained earnings to average equity (ytd only) | -1.0410% | 5,732 |
| Net charge-offs to loans | 0.5664% | 655 |
| Credit loss provision to net charge-offs | 130.0469% | 1,388 |
| Earnings coverage of net charge-offs (x) | 1.2113% | 3,143 |
| Efficiency ratio | 90.6589% | 977 |
| Assets per employee ($millions) | 2.8834% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 2,478 |
| Loan loss allowance to noncurrent loans | 29.3671% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 5.4571% | 352 |
| Noncurrent loans to loans | 5.6482% | 348 |
| Net loans and leases to total assets | 80.7138% | 481 |
| Net loans and leases to deposits | 85.3503% | 1,691 |
| Net loans and leases to core deposits | 87.2846% | 2,167 |
| Total domestic deposits to total assets | 94.5677% | 47 |
| Equity capital to assets | 5.0701% | 6,628 |
| Core capital (leverage) ratio | 5.0680% | 6,644 |
| Tier 1 risk-based capital ratio | 6.8495% | 6,660 |
| Total risk-based capital ratio | 8.1070% | 6,660 |
| Memoranda: | ||
| Average total assets | $180,959,500 | 3,266 |
| Average earning assets | $155,170,000 | 3,414 |
| Average equity | $9,222,000 | 4,997 |
| Average total loans | $150,424,000 | 2,576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8552% | 212 |
| Cost of funding earning assets | 0.9366% | 618 |
| Net interest margin | 4.9186% | 347 |
| Noninterest income to average assets | -0.0883% | 6,715 |
| Noninterest expense to average assets | 5.4083% | 262 |
| Loan and lease loss provision to assets | 2.4974% | 28 |
| Net operating income to assets | -3.7681% | 6,783 |
| Return on assets (ROA) | -3.7681% | 6,782 |
| Pretax return on assets | -3.7567% | 6,781 |
| Return on Equity (ROE) | -65.2798% | 6,790 |
| Retained earnings to average equity (ytd only) | -65.2798% | 6,788 |
| Net charge-offs to loans | 3.0487% | 82 |
| Credit loss provision to net charge-offs | 97.9804% | 2,535 |
| Earnings coverage of net charge-offs (x) | -0.4940% | 5,195 |
| Efficiency ratio | 130.3513% | 122 |
| Assets per employee ($millions) | 2.7313% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 2,805 |
| Loan loss allowance to noncurrent loans | 30.1351% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 5.2733% | 426 |
| Noncurrent loans to loans | 5.2677% | 447 |
| Net loans and leases to total assets | 82.8481% | 335 |
| Net loans and leases to deposits | 87.9966% | 1,466 |
| Net loans and leases to core deposits | 90.1473% | 2,004 |
| Total domestic deposits to total assets | 94.1492% | 77 |
| Equity capital to assets | 5.1224% | 6,682 |
| Core capital (leverage) ratio | 5.1198% | 6,707 |
| Tier 1 risk-based capital ratio | 6.8841% | 6,736 |
| Total risk-based capital ratio | 8.1410% | 6,735 |
| Memoranda: | ||
| Average total assets | $184,550,400 | 3,226 |
| Average earning assets | $158,987,400 | 3,363 |
| Average equity | $10,652,600 | 4,710 |
| Average total loans | $154,294,600 | 2,498 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 230 |
| Cost of funding earning assets | 0.9324% | 696 |
| Net interest margin | 4.8894% | 372 |
| Noninterest income to average assets | -0.8260% | 6,881 |
| Noninterest expense to average assets | 5.4188% | 262 |
| Loan and lease loss provision to assets | 2.7855% | 18 |
| Net operating income to assets | -4.8384% | 6,877 |
| Return on assets (ROA) | -4.8384% | 6,877 |
| Pretax return on assets | -4.8269% | 6,875 |
| Return on Equity (ROE) | -81.5927% | 6,877 |
| Retained earnings to average equity (ytd only) | -81.5927% | 6,875 |
| Net charge-offs to loans | 3.2160% | 70 |
| Credit loss provision to net charge-offs | 103.7731% | 2,259 |
| Earnings coverage of net charge-offs (x) | -0.7605% | 4,983 |
| Efficiency ratio | 160.4424% | 57 |
| Assets per employee ($millions) | 2.5653% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,518 |
| Loan loss allowance to noncurrent loans | 29.0595% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 5.9764% | 408 |
| Noncurrent loans to loans | 5.9555% | 432 |
| Net loans and leases to total assets | 83.6366% | 269 |
| Net loans and leases to deposits | 88.7290% | 1,290 |
| Net loans and leases to core deposits | 90.4698% | 1,926 |
| Total domestic deposits to total assets | 94.2608% | 61 |
| Equity capital to assets | 5.2631% | 6,754 |
| Core capital (leverage) ratio | 5.2604% | 6,774 |
| Tier 1 risk-based capital ratio | 7.1119% | 6,800 |
| Total risk-based capital ratio | 8.3707% | 6,799 |
| Memoranda: | ||
| Average total assets | $185,621,500 | 3,246 |
| Average earning assets | $159,577,750 | 3,381 |
| Average equity | $11,007,250 | 4,684 |
| Average total loans | $154,929,250 | 2,501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7786% | 249 |
| Cost of funding earning assets | 0.9430% | 731 |
| Net interest margin | 4.8356% | 410 |
| Noninterest income to average assets | -2.0710% | 6,937 |
| Noninterest expense to average assets | 5.6822% | 237 |
| Loan and lease loss provision to assets | 3.6762% | 11 |
| Net operating income to assets | -7.3365% | 6,933 |
| Return on assets (ROA) | -7.3365% | 6,932 |
| Pretax return on assets | -7.3247% | 6,933 |
| Return on Equity (ROE) | -119.4343% | 6,933 |
| Retained earnings to average equity (ytd only) | -119.4343% | 6,932 |
| Net charge-offs to loans | 4.2627% | 47 |
| Credit loss provision to net charge-offs | 103.9795% | 2,125 |
| Earnings coverage of net charge-offs (x) | -1.0320% | 4,716 |
| Efficiency ratio | 279.4025% | 12 |
| Assets per employee ($millions) | 2.5129% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 2,669 |
| Loan loss allowance to noncurrent loans | 26.7968% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 7.4114% | 308 |
| Noncurrent loans to loans | 6.4565% | 404 |
| Net loans and leases to total assets | 85.1158% | 183 |
| Net loans and leases to deposits | 90.8651% | 1,066 |
| Net loans and leases to core deposits | 91.9974% | 1,710 |
| Total domestic deposits to total assets | 93.6727% | 77 |
| Equity capital to assets | 5.2904% | 6,805 |
| Core capital (leverage) ratio | 5.2866% | 6,809 |
| Tier 1 risk-based capital ratio | 6.9439% | 6,848 |
| Total risk-based capital ratio | 8.2028% | 6,851 |
| Memoranda: | ||
| Average total assets | $187,638,000 | 3,236 |
| Average earning assets | $159,278,670 | 3,408 |
| Average equity | $11,526,000 | 4,621 |
| Average total loans | $155,628,000 | 2,495 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6508% | 292 |
| Cost of funding earning assets | 0.9602% | 744 |
| Net interest margin | 4.6906% | 480 |
| Noninterest income to average assets | -6.6314% | 7,019 |
| Noninterest expense to average assets | 5.6247% | 249 |
| Loan and lease loss provision to assets | 6.3833% | 6 |
| Net operating income to assets | -14.6932% | 7,015 |
| Return on assets (ROA) | -14.6932% | 7,014 |
| Pretax return on assets | -14.6808% | 7,014 |
| Return on Equity (ROE) | -225.0079% | 7,014 |
| Retained earnings to average equity (ytd only) | -225.0079% | 7,014 |
| Net charge-offs to loans | 7.3559% | 26 |
| Credit loss provision to net charge-offs | 106.7773% | 1,734 |
| Earnings coverage of net charge-offs (x) | -1.3880% | 3,991 |
| Efficiency ratio | -210.4408% | 7,015 |
| Assets per employee ($millions) | 2.4355% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 2,867 |
| Loan loss allowance to noncurrent loans | 27.6102% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 7.4916% | 360 |
| Noncurrent loans to loans | 6.2759% | 516 |
| Net loans and leases to total assets | 82.7219% | 255 |
| Net loans and leases to deposits | 87.2955% | 1,215 |
| Net loans and leases to core deposits | 88.1864% | 1,889 |
| Total domestic deposits to total assets | 94.7607% | 49 |
| Equity capital to assets | 4.9065% | 6,894 |
| Core capital (leverage) ratio | 4.9029% | 6,884 |
| Tier 1 risk-based capital ratio | 6.7853% | 6,906 |
| Total risk-based capital ratio | 8.0422% | 6,910 |
| Memoranda: | ||
| Average total assets | $193,504,500 | 3,175 |
| Average earning assets | $163,305,500 | 3,384 |
| Average equity | $12,636,000 | 4,447 |
| Average total loans | $157,262,500 | 2,494 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9499% | 286 |
| Cost of funding earning assets | 1.1064% | 887 |
| Net interest margin | 4.8435% | 505 |
| Noninterest income to average assets | 2.0692% | 412 |
| Noninterest expense to average assets | 5.0903% | 356 |
| Loan and lease loss provision to assets | 1.4044% | 238 |
| Net operating income to assets | -0.4307% | 6,534 |
| Return on assets (ROA) | -0.4307% | 6,578 |
| Pretax return on assets | -0.4197% | 6,539 |
| Return on Equity (ROE) | -5.3636% | 6,608 |
| Retained earnings to average equity (ytd only) | -5.3636% | 6,451 |
| Net charge-offs to loans | 2.2068% | 307 |
| Credit loss provision to net charge-offs | 78.0542% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.5473% | 5,213 |
| Efficiency ratio | 83.7917% | 1,654 |
| Assets per employee ($millions) | 2.6567% | 6,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,409 |
| Loan loss allowance to noncurrent loans | 25.0525% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 10.3012% | 205 |
| Noncurrent loans to loans | 6.2978% | 544 |
| Net loans and leases to total assets | 77.3630% | 751 |
| Net loans and leases to deposits | 88.2627% | 1,239 |
| Net loans and leases to core deposits | 90.8310% | 1,736 |
| Total domestic deposits to total assets | 87.6508% | 2,449 |
| Equity capital to assets | 8.0185% | 6,396 |
| Core capital (leverage) ratio | 8.0153% | 6,177 |
| Tier 1 risk-based capital ratio | 11.2485% | 6,247 |
| Total risk-based capital ratio | 12.5038% | 6,209 |
| Memoranda: | ||
| Average total assets | $201,088,200 | 3,024 |
| Average earning assets | $166,305,800 | 3,285 |
| Average equity | $16,145,800 | 3,755 |
| Average total loans | $163,946,400 | 2,371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 288 |
| Cost of funding earning assets | 1.1389% | 908 |
| Net interest margin | 4.8447% | 528 |
| Noninterest income to average assets | 1.5710% | 600 |
| Noninterest expense to average assets | 5.1193% | 337 |
| Loan and lease loss provision to assets | 1.5325% | 205 |
| Net operating income to assets | -1.0626% | 6,878 |
| Return on assets (ROA) | -1.0626% | 6,901 |
| Pretax return on assets | -1.0520% | 6,878 |
| Return on Equity (ROE) | -13.2299% | 6,905 |
| Retained earnings to average equity (ytd only) | -13.2299% | 6,876 |
| Net charge-offs to loans | 2.3446% | 274 |
| Credit loss provision to net charge-offs | 79.4563% | 3,639 |
| Earnings coverage of net charge-offs (x) | 0.2491% | 5,203 |
| Efficiency ratio | 91.4188% | 927 |
| Assets per employee ($millions) | 2.5103% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 3,180 |
| Loan loss allowance to noncurrent loans | 22.6063% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 11.9183% | 165 |
| Noncurrent loans to loans | 7.4843% | 451 |
| Net loans and leases to total assets | 82.2609% | 322 |
| Net loans and leases to deposits | 90.0251% | 1,145 |
| Net loans and leases to core deposits | 92.0328% | 1,776 |
| Total domestic deposits to total assets | 91.3755% | 316 |
| Equity capital to assets | 8.1019% | 6,546 |
| Core capital (leverage) ratio | 8.0975% | 6,229 |
| Tier 1 risk-based capital ratio | 10.9960% | 6,483 |
| Total risk-based capital ratio | 12.2537% | 6,462 |
| Memoranda: | ||
| Average total assets | $200,883,250 | 3,064 |
| Average earning assets | $167,052,000 | 3,305 |
| Average equity | $16,134,750 | 3,798 |
| Average total loans | $165,256,500 | 2,385 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0197% | 287 |
| Cost of funding earning assets | 1.1778% | 902 |
| Net interest margin | 4.8420% | 522 |
| Noninterest income to average assets | 1.5481% | 611 |
| Noninterest expense to average assets | 5.2367% | 324 |
| Loan and lease loss provision to assets | 1.6255% | 211 |
| Net operating income to assets | -1.3033% | 6,980 |
| Return on assets (ROA) | -1.3033% | 6,997 |
| Pretax return on assets | -1.2925% | 6,967 |
| Return on Equity (ROE) | -16.2707% | 6,996 |
| Retained earnings to average equity (ytd only) | -16.2707% | 6,964 |
| Net charge-offs to loans | 3.1126% | 183 |
| Credit loss provision to net charge-offs | 63.8216% | 3,713 |
| Earnings coverage of net charge-offs (x) | 0.1307% | 5,010 |
| Efficiency ratio | 94.0225% | 800 |
| Assets per employee ($millions) | 2.5851% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,264 |
| Loan loss allowance to noncurrent loans | 19.1393% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 11.9792% | 182 |
| Noncurrent loans to loans | 7.5553% | 478 |
| Net loans and leases to total assets | 81.7653% | 350 |
| Net loans and leases to deposits | 89.1816% | 1,232 |
| Net loans and leases to core deposits | 91.1278% | 1,858 |
| Total domestic deposits to total assets | 91.6841% | 282 |
| Equity capital to assets | 8.0039% | 6,563 |
| Core capital (leverage) ratio | 8.0002% | 6,276 |
| Tier 1 risk-based capital ratio | 10.9850% | 6,505 |
| Total risk-based capital ratio | 12.2396% | 6,484 |
| Memoranda: | ||
| Average total assets | $204,250,330 | 3,038 |
| Average earning assets | $169,641,670 | 3,276 |
| Average equity | $16,360,670 | 3,751 |
| Average total loans | $167,128,670 | 2,380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 402 |
| Cost of funding earning assets | 1.2132% | 928 |
| Net interest margin | 4.6208% | 794 |
| Noninterest income to average assets | 0.3478% | 5,077 |
| Noninterest expense to average assets | 4.5181% | 546 |
| Loan and lease loss provision to assets | 1.1031% | 363 |
| Net operating income to assets | -1.4548% | 7,081 |
| Return on assets (ROA) | -1.4548% | 7,089 |
| Pretax return on assets | -1.4452% | 7,066 |
| Return on Equity (ROE) | -18.1551% | 7,095 |
| Retained earnings to average equity (ytd only) | -18.1551% | 7,021 |
| Net charge-offs to loans | 1.9102% | 501 |
| Credit loss provision to net charge-offs | 71.0396% | 2,892 |
| Earnings coverage of net charge-offs (x) | -0.2203% | 4,444 |
| Efficiency ratio | 108.1914% | 367 |
| Assets per employee ($millions) | 2.6380% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 2,861 |
| Loan loss allowance to noncurrent loans | 21.4311% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 12.7088% | 178 |
| Noncurrent loans to loans | 8.6020% | 420 |
| Net loans and leases to total assets | 80.3148% | 378 |
| Net loans and leases to deposits | 87.9229% | 1,178 |
| Net loans and leases to core deposits | 89.9964% | 1,850 |
| Total domestic deposits to total assets | 91.3468% | 423 |
| Equity capital to assets | 8.0245% | 6,508 |
| Core capital (leverage) ratio | 8.0205% | 6,242 |
| Tier 1 risk-based capital ratio | 11.4340% | 6,323 |
| Total risk-based capital ratio | 12.6952% | 6,296 |
| Memoranda: | ||
| Average total assets | $208,142,500 | 3,010 |
| Average earning assets | $172,437,000 | 3,253 |
| Average equity | $16,678,500 | 3,695 |
| Average total loans | $169,194,000 | 2,371 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3817% | 221 |
| Cost of funding earning assets | 1.4809% | 769 |
| Net interest margin | 4.9008% | 507 |
| Noninterest income to average assets | 0.5901% | 3,220 |
| Noninterest expense to average assets | 4.3372% | 695 |
| Loan and lease loss provision to assets | 0.5551% | 1,880 |
| Net operating income to assets | -0.1992% | 6,257 |
| Return on assets (ROA) | -0.1992% | 6,326 |
| Pretax return on assets | -0.2033% | 6,289 |
| Return on Equity (ROE) | -2.9174% | 6,405 |
| Retained earnings to average equity (ytd only) | -2.9174% | 6,262 |
| Net charge-offs to loans | 0.6728% | 2,476 |
| Credit loss provision to net charge-offs | 97.6537% | 3,683 |
| Earnings coverage of net charge-offs (x) | 0.6189% | 5,360 |
| Efficiency ratio | 92.4963% | 1,016 |
| Assets per employee ($millions) | 2.8047% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 2,519 |
| Loan loss allowance to noncurrent loans | 22.4057% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 12.5428% | 186 |
| Noncurrent loans to loans | 8.5461% | 438 |
| Net loans and leases to total assets | 79.2304% | 574 |
| Net loans and leases to deposits | 86.9135% | 1,546 |
| Net loans and leases to core deposits | 90.2448% | 2,091 |
| Total domestic deposits to total assets | 91.1601% | 438 |
| Equity capital to assets | 8.0020% | 6,571 |
| Core capital (leverage) ratio | 7.9982% | 6,276 |
| Tier 1 risk-based capital ratio | 11.4672% | 6,179 |
| Total risk-based capital ratio | 12.7284% | 6,163 |
| Memoranda: | ||
| Average total assets | $217,420,000 | 2,868 |
| Average earning assets | $181,847,600 | 3,066 |
| Average equity | $14,841,800 | 3,945 |
| Average total loans | $183,710,200 | 2,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4477% | 211 |
| Cost of funding earning assets | 1.5151% | 814 |
| Net interest margin | 4.9326% | 475 |
| Noninterest income to average assets | 0.4699% | 4,130 |
| Noninterest expense to average assets | 4.4048% | 633 |
| Loan and lease loss provision to assets | 0.4681% | 2,111 |
| Net operating income to assets | -0.2209% | 6,405 |
| Return on assets (ROA) | -0.2209% | 6,483 |
| Pretax return on assets | -0.2307% | 6,439 |
| Return on Equity (ROE) | -3.3780% | 6,589 |
| Retained earnings to average equity (ytd only) | -3.3780% | 6,461 |
| Net charge-offs to loans | 0.6795% | 2,216 |
| Credit loss provision to net charge-offs | 80.6519% | 4,121 |
| Earnings coverage of net charge-offs (x) | 0.4090% | 5,312 |
| Efficiency ratio | 94.8863% | 872 |
| Assets per employee ($millions) | 2.7457% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 3,206 |
| Loan loss allowance to noncurrent loans | 19.2609% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 11.9327% | 233 |
| Noncurrent loans to loans | 8.9211% | 440 |
| Net loans and leases to total assets | 85.0311% | 162 |
| Net loans and leases to deposits | 93.6898% | 862 |
| Net loans and leases to core deposits | 97.5908% | 1,458 |
| Total domestic deposits to total assets | 90.7582% | 530 |
| Equity capital to assets | 8.1024% | 6,636 |
| Core capital (leverage) ratio | 8.0980% | 6,286 |
| Tier 1 risk-based capital ratio | 11.0957% | 6,479 |
| Total risk-based capital ratio | 12.3550% | 6,465 |
| Memoranda: | ||
| Average total assets | $218,485,500 | 2,860 |
| Average earning assets | $184,804,750 | 3,040 |
| Average equity | $14,288,000 | 4,076 |
| Average total loans | $186,592,000 | 2,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4972% | 207 |
| Cost of funding earning assets | 1.5635% | 804 |
| Net interest margin | 4.9336% | 452 |
| Noninterest income to average assets | 0.3215% | 5,324 |
| Noninterest expense to average assets | 4.3778% | 682 |
| Loan and lease loss provision to assets | 0.3088% | 2,944 |
| Net operating income to assets | -0.1911% | 6,466 |
| Return on assets (ROA) | -0.1911% | 6,501 |
| Pretax return on assets | -0.2101% | 6,461 |
| Return on Equity (ROE) | -3.1633% | 6,604 |
| Retained earnings to average equity (ytd only) | -3.1633% | 6,395 |
| Net charge-offs to loans | 0.2992% | 3,375 |
| Credit loss provision to net charge-offs | 121.3523% | 2,511 |
| Earnings coverage of net charge-offs (x) | 0.3879% | 5,012 |
| Efficiency ratio | 97.7949% | 798 |
| Assets per employee ($millions) | 2.7701% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 2,982 |
| Loan loss allowance to noncurrent loans | 19.7746% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 12.0915% | 261 |
| Noncurrent loans to loans | 9.1167% | 453 |
| Net loans and leases to total assets | 86.4935% | 124 |
| Net loans and leases to deposits | 95.1077% | 794 |
| Net loans and leases to core deposits | 99.6306% | 1,374 |
| Total domestic deposits to total assets | 90.9427% | 519 |
| Equity capital to assets | 8.1013% | 6,598 |
| Core capital (leverage) ratio | 8.0975% | 6,169 |
| Tier 1 risk-based capital ratio | 11.0227% | 6,514 |
| Total risk-based capital ratio | 12.2832% | 6,485 |
| Memoranda: | ||
| Average total assets | $220,841,000 | 2,851 |
| Average earning assets | $185,988,670 | 3,049 |
| Average equity | $13,340,670 | 4,270 |
| Average total loans | $187,817,670 | 2,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6806% | 163 |
| Cost of funding earning assets | 1.6411% | 700 |
| Net interest margin | 5.0395% | 354 |
| Noninterest income to average assets | 0.5645% | 3,409 |
| Noninterest expense to average assets | 4.1903% | 824 |
| Loan and lease loss provision to assets | 0.4470% | 1,972 |
| Net operating income to assets | 0.0890% | 6,126 |
| Return on assets (ROA) | 0.0890% | 6,176 |
| Pretax return on assets | 0.0997% | 6,167 |
| Return on Equity (ROE) | 1.7589% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.7589% | 5,068 |
| Net charge-offs to loans | 0.3472% | 2,676 |
| Credit loss provision to net charge-offs | 153.9877% | 1,860 |
| Earnings coverage of net charge-offs (x) | 1.8834% | 3,363 |
| Efficiency ratio | 88.4586% | 1,463 |
| Assets per employee ($millions) | 2.7391% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,951 |
| Loan loss allowance to noncurrent loans | 20.7879% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 10.8516% | 346 |
| Noncurrent loans to loans | 8.7517% | 523 |
| Net loans and leases to total assets | 84.0792% | 223 |
| Net loans and leases to deposits | 89.9865% | 1,232 |
| Net loans and leases to core deposits | 94.2713% | 1,856 |
| Total domestic deposits to total assets | 93.4353% | 106 |
| Equity capital to assets | 5.1997% | 7,361 |
| Core capital (leverage) ratio | 5.1716% | 7,342 |
| Tier 1 risk-based capital ratio | 6.9794% | 7,371 |
| Total risk-based capital ratio | 8.2392% | 7,374 |
| Memoranda: | ||
| Average total assets | $224,612,500 | 2,825 |
| Average earning assets | $185,971,500 | 3,068 |
| Average equity | $11,371,000 | 4,701 |
| Average total loans | $187,788,500 | 2,211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4212% | 364 |
| Cost of funding earning assets | 2.1833% | 319 |
| Net interest margin | 4.2379% | 2,034 |
| Noninterest income to average assets | 1.2496% | 952 |
| Noninterest expense to average assets | 4.0946% | 1,030 |
| Loan and lease loss provision to assets | 6.9264% | 29 |
| Net operating income to assets | -6.8817% | 7,601 |
| Return on assets (ROA) | -6.8817% | 7,604 |
| Pretax return on assets | -6.2318% | 7,590 |
| Return on Equity (ROE) | -82.1770% | 7,557 |
| Retained earnings to average equity (ytd only) | -82.1770% | 7,555 |
| Net charge-offs to loans | 9.0759% | 20 |
| Credit loss provision to net charge-offs | 90.7510% | 5,097 |
| Earnings coverage of net charge-offs (x) | 0.0910% | 6,027 |
| Efficiency ratio | 85.4961% | 1,747 |
| Assets per employee ($millions) | 2.9883% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 2,957 |
| Loan loss allowance to noncurrent loans | 20.1113% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 10.6838% | 366 |
| Noncurrent loans to loans | 8.8005% | 538 |
| Net loans and leases to total assets | 80.2253% | 640 |
| Net loans and leases to deposits | 85.3205% | 2,220 |
| Net loans and leases to core deposits | 90.4266% | 2,705 |
| Total domestic deposits to total assets | 94.0282% | 88 |
| Equity capital to assets | 4.9318% | 7,436 |
| Core capital (leverage) ratio | 4.9033% | 7,426 |
| Tier 1 risk-based capital ratio | 6.9542% | 7,428 |
| Total risk-based capital ratio | 8.2133% | 7,432 |
| Memoranda: | ||
| Average total assets | $256,971,600 | 2,483 |
| Average earning assets | $214,633,000 | 2,690 |
| Average equity | $21,519,400 | 2,946 |
| Average total loans | $216,099,600 | 2,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3718% | 439 |
| Cost of funding earning assets | 2.2151% | 368 |
| Net interest margin | 4.1566% | 2,378 |
| Noninterest income to average assets | 1.3905% | 702 |
| Noninterest expense to average assets | 4.1760% | 856 |
| Loan and lease loss provision to assets | 4.4091% | 124 |
| Net operating income to assets | -4.5396% | 7,617 |
| Return on assets (ROA) | -4.5396% | 7,626 |
| Pretax return on assets | -3.6992% | 7,530 |
| Return on Equity (ROE) | -49.7475% | 7,559 |
| Retained earnings to average equity (ytd only) | -49.7475% | 7,556 |
| Net charge-offs to loans | 5.7062% | 122 |
| Credit loss provision to net charge-offs | 91.3089% | 4,714 |
| Earnings coverage of net charge-offs (x) | 0.1470% | 5,879 |
| Efficiency ratio | 85.4704% | 1,685 |
| Assets per employee ($millions) | 3.5094% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0763% | 2,057 |
| Loan loss allowance to noncurrent loans | 15.7785% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 12.8085% | 233 |
| Noncurrent loans to loans | 13.1593% | 224 |
| Net loans and leases to total assets | 77.1910% | 1,179 |
| Net loans and leases to deposits | 87.7046% | 2,047 |
| Net loans and leases to core deposits | 93.1046% | 2,647 |
| Total domestic deposits to total assets | 88.0125% | 1,951 |
| Equity capital to assets | 7.2806% | 7,240 |
| Core capital (leverage) ratio | 7.2122% | 7,051 |
| Tier 1 risk-based capital ratio | 10.2460% | 6,933 |
| Total risk-based capital ratio | 11.5089% | 6,915 |
| Memoranda: | ||
| Average total assets | $263,690,250 | 2,458 |
| Average earning assets | $221,743,500 | 2,644 |
| Average equity | $24,062,250 | 2,691 |
| Average total loans | $223,144,000 | 1,972 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3253% | 488 |
| Cost of funding earning assets | 2.3172% | 321 |
| Net interest margin | 4.0081% | 2,975 |
| Noninterest income to average assets | 1.2416% | 842 |
| Noninterest expense to average assets | 4.4245% | 628 |
| Loan and lease loss provision to assets | 4.5632% | 142 |
| Net operating income to assets | -2.8425% | 7,483 |
| Return on assets (ROA) | -2.8425% | 7,494 |
| Pretax return on assets | -4.2926% | 7,632 |
| Return on Equity (ROE) | -29.1882% | 7,422 |
| Retained earnings to average equity (ytd only) | -29.1882% | 7,408 |
| Net charge-offs to loans | 6.7269% | 99 |
| Credit loss provision to net charge-offs | 78.3752% | 4,753 |
| Earnings coverage of net charge-offs (x) | 0.0465% | 5,669 |
| Efficiency ratio | 94.2364% | 1,057 |
| Assets per employee ($millions) | 2.6954% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,537 |
| Loan loss allowance to noncurrent loans | 12.3922% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 13.5561% | 195 |
| Noncurrent loans to loans | 12.7477% | 242 |
| Net loans and leases to total assets | 84.6233% | 310 |
| Net loans and leases to deposits | 98.9307% | 800 |
| Net loans and leases to core deposits | 110.1163% | 1,155 |
| Total domestic deposits to total assets | 85.5379% | 3,354 |
| Equity capital to assets | 9.5266% | 4,665 |
| Core capital (leverage) ratio | 9.5111% | 3,808 |
| Tier 1 risk-based capital ratio | 12.7613% | 4,639 |
| Total risk-based capital ratio | 14.0181% | 4,598 |
| Memoranda: | ||
| Average total assets | $263,851,330 | 2,477 |
| Average earning assets | $227,341,330 | 2,606 |
| Average equity | $25,695,330 | 2,516 |
| Average total loans | $228,365,330 | 1,952 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 537 |
| Cost of funding earning assets | 2.3810% | 322 |
| Net interest margin | 3.9073% | 3,295 |
| Noninterest income to average assets | 0.0881% | 7,267 |
| Noninterest expense to average assets | 4.3937% | 642 |
| Loan and lease loss provision to assets | 7.1725% | 83 |
| Net operating income to assets | -5.3977% | 7,801 |
| Return on assets (ROA) | -5.3977% | 7,804 |
| Pretax return on assets | -8.0972% | 7,863 |
| Return on Equity (ROE) | -54.8546% | 7,729 |
| Retained earnings to average equity (ytd only) | -54.8546% | 7,719 |
| Net charge-offs to loans | 8.7790% | 73 |
| Credit loss provision to net charge-offs | 94.1004% | 3,563 |
| Earnings coverage of net charge-offs (x) | -0.1213% | 5,116 |
| Efficiency ratio | 126.6581% | 369 |
| Assets per employee ($millions) | 2.6588% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0704% | 2,014 |
| Loan loss allowance to noncurrent loans | 17.1927% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 12.9850% | 208 |
| Noncurrent loans to loans | 12.0421% | 291 |
| Net loans and leases to total assets | 85.1989% | 272 |
| Net loans and leases to deposits | 103.4336% | 565 |
| Net loans and leases to core deposits | 120.2775% | 775 |
| Total domestic deposits to total assets | 82.3706% | 4,902 |
| Equity capital to assets | 9.1372% | 5,080 |
| Core capital (leverage) ratio | 9.0942% | 4,386 |
| Tier 1 risk-based capital ratio | 12.3439% | 4,870 |
| Total risk-based capital ratio | 13.6081% | 4,817 |
| Memoranda: | ||
| Average total assets | $267,746,000 | 2,496 |
| Average earning assets | $231,669,500 | 2,627 |
| Average equity | $26,346,000 | 2,480 |
| Average total loans | $232,465,000 | 1,980 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6961% | 466 |
| Cost of funding earning assets | 3.0515% | 199 |
| Net interest margin | 3.6446% | 4,374 |
| Noninterest income to average assets | 0.7621% | 2,605 |
| Noninterest expense to average assets | 4.5970% | 719 |
| Loan and lease loss provision to assets | 4.7864% | 223 |
| Net operating income to assets | -3.8026% | 7,576 |
| Return on assets (ROA) | -3.8081% | 7,573 |
| Pretax return on assets | -5.4037% | 7,748 |
| Return on Equity (ROE) | -34.8347% | 7,487 |
| Retained earnings to average equity (ytd only) | -34.8347% | 7,475 |
| Net charge-offs to loans | 4.9282% | 273 |
| Credit loss provision to net charge-offs | 110.7980% | 4,967 |
| Earnings coverage of net charge-offs (x) | -0.1411% | 6,380 |
| Efficiency ratio | 98.8703% | 1,159 |
| Assets per employee ($millions) | 2.7240% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 1,608 |
| Loan loss allowance to noncurrent loans | 16.9700% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 14.1868% | 163 |
| Noncurrent loans to loans | 13.0899% | 237 |
| Net loans and leases to total assets | 84.7201% | 374 |
| Net loans and leases to deposits | 104.6315% | 616 |
| Net loans and leases to core deposits | 124.0835% | 1,631 |
| Total domestic deposits to total assets | 80.9700% | 5,350 |
| Equity capital to assets | 10.5468% | 3,133 |
| Core capital (leverage) ratio | 10.5049% | 2,602 |
| Tier 1 risk-based capital ratio | 14.4270% | 3,249 |
| Total risk-based capital ratio | 15.6936% | 3,191 |
| Memoranda: | ||
| Average total assets | $268,612,600 | 2,434 |
| Average earning assets | $237,719,400 | 2,525 |
| Average equity | $29,364,400 | 2,274 |
| Average total loans | $235,460,600 | 1,994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8272% | 397 |
| Cost of funding earning assets | 3.1506% | 219 |
| Net interest margin | 3.6766% | 4,181 |
| Noninterest income to average assets | 0.5858% | 3,811 |
| Noninterest expense to average assets | 4.7270% | 602 |
| Loan and lease loss provision to assets | 2.6901% | 591 |
| Net operating income to assets | -2.6625% | 7,503 |
| Return on assets (ROA) | -2.6703% | 7,513 |
| Pretax return on assets | -3.5609% | 7,620 |
| Return on Equity (ROE) | -24.2151% | 7,489 |
| Retained earnings to average equity (ytd only) | -24.2151% | 7,464 |
| Net charge-offs to loans | 2.5375% | 724 |
| Credit loss provision to net charge-offs | 120.5954% | 4,208 |
| Earnings coverage of net charge-offs (x) | -0.3857% | 6,419 |
| Efficiency ratio | 99.7180% | 1,073 |
| Assets per employee ($millions) | 2.7789% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1321% | 1,542 |
| Loan loss allowance to noncurrent loans | 16.1956% | 7,274 |
| Noncurrent assets plus other real estate owned to assets | 13.5195% | 164 |
| Noncurrent loans to loans | 13.1648% | 213 |
| Net loans and leases to total assets | 81.9582% | 818 |
| Net loans and leases to deposits | 103.2543% | 826 |
| Net loans and leases to core deposits | 120.4200% | 2,211 |
| Total domestic deposits to total assets | 79.3751% | 5,669 |
| Equity capital to assets | 10.3892% | 3,631 |
| Core capital (leverage) ratio | 10.3550% | 2,918 |
| Tier 1 risk-based capital ratio | 14.5954% | 3,224 |
| Total risk-based capital ratio | 15.8608% | 3,169 |
| Memoranda: | ||
| Average total assets | $269,027,750 | 2,439 |
| Average earning assets | $240,072,250 | 2,517 |
| Average equity | $29,666,750 | 2,275 |
| Average total loans | $236,500,750 | 2,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8862% | 390 |
| Cost of funding earning assets | 3.3032% | 203 |
| Net interest margin | 3.5830% | 4,439 |
| Noninterest income to average assets | 0.3043% | 6,088 |
| Noninterest expense to average assets | 5.1188% | 473 |
| Loan and lease loss provision to assets | 3.8148% | 341 |
| Net operating income to assets | -4.0604% | 7,843 |
| Return on assets (ROA) | -4.0721% | 7,840 |
| Pretax return on assets | -5.4447% | 7,915 |
| Return on Equity (ROE) | -36.2269% | 7,802 |
| Retained earnings to average equity (ytd only) | -36.2269% | 7,786 |
| Net charge-offs to loans | 1.5494% | 1,220 |
| Credit loss provision to net charge-offs | 275.6989% | 1,697 |
| Earnings coverage of net charge-offs (x) | -1.1667% | 6,264 |
| Efficiency ratio | 108.7455% | 885 |
| Assets per employee ($millions) | 2.7838% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9850% | 572 |
| Loan loss allowance to noncurrent loans | 25.8797% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 13.1945% | 145 |
| Noncurrent loans to loans | 11.5343% | 248 |
| Net loans and leases to total assets | 87.9426% | 238 |
| Net loans and leases to deposits | 113.8658% | 403 |
| Net loans and leases to core deposits | 130.5294% | 1,519 |
| Total domestic deposits to total assets | 77.2335% | 6,272 |
| Equity capital to assets | 10.5551% | 3,336 |
| Core capital (leverage) ratio | 10.5254% | 2,791 |
| Tier 1 risk-based capital ratio | 14.1817% | 3,412 |
| Total risk-based capital ratio | 15.4599% | 3,333 |
| Memoranda: | ||
| Average total assets | $268,851,000 | 2,454 |
| Average earning assets | $240,133,670 | 2,521 |
| Average equity | $30,220,670 | 2,247 |
| Average total loans | $240,088,330 | 2,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8368% | 454 |
| Cost of funding earning assets | 3.4925% | 153 |
| Net interest margin | 3.3443% | 5,345 |
| Noninterest income to average assets | 0.4531% | 4,741 |
| Noninterest expense to average assets | 3.4828% | 2,150 |
| Loan and lease loss provision to assets | 2.3642% | 496 |
| Net operating income to assets | -1.5631% | 7,525 |
| Return on assets (ROA) | -1.5363% | 7,513 |
| Pretax return on assets | -2.3568% | 7,630 |
| Return on Equity (ROE) | -13.2721% | 7,533 |
| Retained earnings to average equity (ytd only) | -13.2721% | 7,343 |
| Net charge-offs to loans | 0.7741% | 1,660 |
| Credit loss provision to net charge-offs | 344.5161% | 1,459 |
| Earnings coverage of net charge-offs (x) | -0.0495% | 5,024 |
| Efficiency ratio | 100.9842% | 1,090 |
| Assets per employee ($millions) | 2.9746% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 1,265 |
| Loan loss allowance to noncurrent loans | 17.8118% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 12.9358% | 122 |
| Noncurrent loans to loans | 11.6917% | 189 |
| Net loans and leases to total assets | 88.2375% | 244 |
| Net loans and leases to deposits | 113.6790% | 460 |
| Net loans and leases to core deposits | 133.2933% | 1,461 |
| Total domestic deposits to total assets | 77.6199% | 6,125 |
| Equity capital to assets | 12.0875% | 2,211 |
| Core capital (leverage) ratio | 11.4840% | 2,157 |
| Tier 1 risk-based capital ratio | 15.7706% | 2,763 |
| Total risk-based capital ratio | 17.0367% | 2,696 |
| Memoranda: | ||
| Average total assets | $271,047,000 | 2,452 |
| Average earning assets | $242,803,500 | 2,513 |
| Average equity | $31,374,000 | 2,162 |
| Average total loans | $240,268,500 | 2,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8638% | 75 |
| Cost of funding earning assets | 3.9945% | 99 |
| Net interest margin | 4.8693% | 675 |
| Noninterest income to average assets | 0.4272% | 5,236 |
| Noninterest expense to average assets | 3.5158% | 2,352 |
| Loan and lease loss provision to assets | 2.3608% | 465 |
| Net operating income to assets | -0.6706% | 7,048 |
| Return on assets (ROA) | -0.6531% | 6,933 |
| Pretax return on assets | -1.0098% | 7,005 |
| Return on Equity (ROE) | -5.4043% | 6,902 |
| Retained earnings to average equity (ytd only) | -9.1863% | 6,989 |
| Net charge-offs to loans | 1.9975% | 539 |
| Credit loss provision to net charge-offs | 133.5164% | 3,979 |
| Earnings coverage of net charge-offs (x) | 0.7489% | 5,774 |
| Efficiency ratio | 72.6410% | 3,817 |
| Assets per employee ($millions) | 3.1905% | 5,508 |
| Cash dividends to net income (ytd only)* | -69.9828% | 8,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 2,143 |
| Loan loss allowance to noncurrent loans | 24.5096% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 7.8938% | 299 |
| Noncurrent loans to loans | 6.6259% | 480 |
| Net loans and leases to total assets | 85.7945% | 623 |
| Net loans and leases to deposits | 108.9698% | 902 |
| Net loans and leases to core deposits | 127.8046% | 2,016 |
| Total domestic deposits to total assets | 78.7323% | 5,469 |
| Equity capital to assets | 11.0752% | 2,973 |
| Core capital (leverage) ratio | 10.4832% | 2,987 |
| Tier 1 risk-based capital ratio | 14.8751% | 3,113 |
| Total risk-based capital ratio | 16.1340% | 3,025 |
| Memoranda: | ||
| Average total assets | $267,787,400 | 2,398 |
| Average earning assets | $242,682,800 | 2,428 |
| Average equity | $32,363,400 | 2,094 |
| Average total loans | $237,049,600 | 1,992 |