Home > Affinity Bank > Performance and Condition Ratios
Affinity Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 1,369 |
| Cost of funding earning assets | 1.9674% | 965 |
| Net interest margin | 3.3959% | 2,410 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4316% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7800% | 2,936 |
| Return on assets (ROA) | 0.7800% | 2,919 |
| Pretax return on assets | 1.0183% | 2,626 |
| Return on Equity (ROE) | 6.4500% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.4529% | 2,076 |
| Net charge-offs to loans | 0.0644% | 1,205 |
| Credit loss provision to net charge-offs | 7.3113% | 2,338 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,852 |
| Efficiency ratio | 69.8648% | 1,897 |
| Assets per employee ($millions) | 9.1647% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,562 |
| Loan loss allowance to noncurrent loans | 120.4821% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 355 |
| Noncurrent loans to loans | 1.1251% | 640 |
| Net loans and leases to total assets | 77.2200% | 949 |
| Net loans and leases to deposits | 95.5226% | 823 |
| Net loans and leases to core deposits | 118.7737% | 659 |
| Total domestic deposits to total assets | 80.8400% | 3,335 |
| Equity capital to assets | 12.8411% | 892 |
| Core capital (leverage) ratio | 11.2694% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6468% | 2,006 |
| Memoranda: | ||
| Average total assets | $859,853,400 | 1,121 |
| Average earning assets | $796,705,800 | 1,110 |
| Average equity | $103,938,200 | 919 |
| Average total loans | $658,467,600 | 1,017 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 1,342 |
| Cost of funding earning assets | 1.8719% | 898 |
| Net interest margin | 3.3869% | 2,481 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.4090% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7946% | 3,037 |
| Return on assets (ROA) | 0.7946% | 3,036 |
| Pretax return on assets | 1.0411% | 2,741 |
| Return on Equity (ROE) | 6.6700% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.6746% | 2,408 |
| Net charge-offs to loans | 0.0263% | 1,538 |
| Credit loss provision to net charge-offs | 12.3077% | 2,029 |
| Earnings coverage of net charge-offs (x) | 52.0769% | 1,290 |
| Efficiency ratio | 69.1122% | 1,886 |
| Assets per employee ($millions) | 9.3981% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,467 |
| Loan loss allowance to noncurrent loans | 120.8066% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 356 |
| Noncurrent loans to loans | 1.1551% | 685 |
| Net loans and leases to total assets | 76.2300% | 1,094 |
| Net loans and leases to deposits | 90.9661% | 1,142 |
| Net loans and leases to core deposits | 112.5211% | 780 |
| Total domestic deposits to total assets | 83.8000% | 2,833 |
| Equity capital to assets | 12.2656% | 975 |
| Core capital (leverage) ratio | 10.8861% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3902% | 2,117 |
| Memoranda: | ||
| Average total assets | $864,029,500 | 1,120 |
| Average earning assets | $801,426,000 | 1,105 |
| Average equity | $102,855,250 | 924 |
| Average total loans | $658,082,000 | 1,014 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 1,365 |
| Cost of funding earning assets | 1.7601% | 803 |
| Net interest margin | 3.3451% | 2,656 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.3747% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7980% | 3,091 |
| Return on assets (ROA) | 0.7980% | 3,093 |
| Pretax return on assets | 1.0457% | 2,787 |
| Return on Equity (ROE) | 6.7700% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.7708% | 2,362 |
| Net charge-offs to loans | 0.0247% | 1,391 |
| Credit loss provision to net charge-offs | 8.6420% | 1,801 |
| Earnings coverage of net charge-offs (x) | 56.1358% | 1,227 |
| Efficiency ratio | 68.7150% | 1,894 |
| Assets per employee ($millions) | 9.6342% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,545 |
| Loan loss allowance to noncurrent loans | 150.0567% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 435 |
| Noncurrent loans to loans | 0.9310% | 825 |
| Net loans and leases to total assets | 74.6000% | 1,216 |
| Net loans and leases to deposits | 88.5005% | 1,303 |
| Net loans and leases to core deposits | 110.5752% | 804 |
| Total domestic deposits to total assets | 84.2900% | 2,753 |
| Equity capital to assets | 11.8579% | 1,088 |
| Core capital (leverage) ratio | 10.2791% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2089% | 2,214 |
| Memoranda: | ||
| Average total assets | $866,962,333 | 1,106 |
| Average earning assets | $805,171,000 | 1,095 |
| Average equity | $102,174,000 | 923 |
| Average total loans | $657,055,667 | 999 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 1,513 |
| Cost of funding earning assets | 1.4351% | 965 |
| Net interest margin | 3.4106% | 2,602 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.3719% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8305% | 3,090 |
| Return on assets (ROA) | 0.8305% | 3,045 |
| Pretax return on assets | 1.0857% | 2,747 |
| Return on Equity (ROE) | 7.0700% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.0694% | 2,473 |
| Net charge-offs to loans | 0.0575% | 796 |
| Credit loss provision to net charge-offs | 1.0638% | 1,420 |
| Earnings coverage of net charge-offs (x) | 24.9787% | 1,378 |
| Efficiency ratio | 67.8820% | 1,986 |
| Assets per employee ($millions) | 10.0238% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 1,632 |
| Loan loss allowance to noncurrent loans | 145.7138% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 415 |
| Noncurrent loans to loans | 0.9591% | 779 |
| Net loans and leases to total assets | 69.9800% | 1,630 |
| Net loans and leases to deposits | 85.7727% | 1,373 |
| Net loans and leases to core deposits | 106.2459% | 825 |
| Total domestic deposits to total assets | 81.5900% | 3,547 |
| Equity capital to assets | 10.9905% | 1,341 |
| Core capital (leverage) ratio | 10.8453% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8551% | 2,448 |
| Memoranda: | ||
| Average total assets | $862,087,500 | 1,129 |
| Average earning assets | $800,795,000 | 1,113 |
| Average equity | $101,281,000 | 941 |
| Average total loans | $653,943,000 | 1,013 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 748 |
| Cost of funding earning assets | 0.3580% | 2,418 |
| Net interest margin | 4.1228% | 632 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.7810% | 1,353 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.9546% | 2,747 |
| Return on assets (ROA) | 0.9546% | 2,698 |
| Pretax return on assets | 1.2490% | 2,279 |
| Return on Equity (ROE) | 7.2500% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.2527% | 2,124 |
| Net charge-offs to loans | -0.0024% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.8112% | 2,108 |
| Assets per employee ($millions) | 8.6082% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,354 |
| Loan loss allowance to noncurrent loans | 134.0029% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 295 |
| Noncurrent loans to loans | 1.0785% | 668 |
| Net loans and leases to total assets | 80.4200% | 546 |
| Net loans and leases to deposits | 95.2076% | 698 |
| Net loans and leases to core deposits | 104.3748% | 813 |
| Total domestic deposits to total assets | 84.4700% | 3,110 |
| Equity capital to assets | 12.6404% | 777 |
| Core capital (leverage) ratio | 10.9708% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1067% | 2,326 |
| Memoranda: | ||
| Average total assets | $776,937,400 | 1,207 |
| Average earning assets | $713,973,000 | 1,213 |
| Average equity | $102,266,000 | 930 |
| Average total loans | $621,236,000 | 1,013 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 680 |
| Cost of funding earning assets | 0.1637% | 3,696 |
| Net interest margin | 4.1677% | 450 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.7879% | 1,270 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9750% | 2,564 |
| Return on assets (ROA) | 0.9750% | 2,540 |
| Pretax return on assets | 1.2785% | 2,115 |
| Return on Equity (ROE) | 7.3300% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.3327% | 2,254 |
| Net charge-offs to loans | -0.0171% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0606% | 2,271 |
| Assets per employee ($millions) | 8.3505% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,490 |
| Loan loss allowance to noncurrent loans | 133.0483% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 272 |
| Noncurrent loans to loans | 1.0789% | 700 |
| Net loans and leases to total assets | 82.5500% | 348 |
| Net loans and leases to deposits | 98.2648% | 444 |
| Net loans and leases to core deposits | 102.8046% | 706 |
| Total domestic deposits to total assets | 84.0100% | 3,507 |
| Equity capital to assets | 13.2568% | 644 |
| Core capital (leverage) ratio | 11.8491% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8512% | 2,113 |
| Memoranda: | ||
| Average total assets | $773,182,250 | 1,217 |
| Average earning assets | $709,276,500 | 1,229 |
| Average equity | $102,805,750 | 941 |
| Average total loans | $614,981,750 | 1,016 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 626 |
| Cost of funding earning assets | 0.0365% | 4,669 |
| Net interest margin | 4.1686% | 354 |
| Noninterest income to average assets | 0.3635% | 2,968 |
| Noninterest expense to average assets | 2.7970% | 1,178 |
| Loan and lease loss provision to assets | 0.1249% | 781 |
| Net operating income to assets | 0.9619% | 2,304 |
| Return on assets (ROA) | 0.9619% | 2,282 |
| Pretax return on assets | 1.2582% | 1,877 |
| Return on Equity (ROE) | 7.2268% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.2268% | 1,906 |
| Net charge-offs to loans | 0.0146% | 1,473 |
| Credit loss provision to net charge-offs | 1,095.4545% | 377 |
| Earnings coverage of net charge-offs (x) | 121.3409% | 731 |
| Efficiency ratio | 66.3176% | 2,467 |
| Assets per employee ($millions) | 7.8199% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,572 |
| Loan loss allowance to noncurrent loans | 128.3215% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 280 |
| Noncurrent loans to loans | 1.1276% | 724 |
| Net loans and leases to total assets | 80.1735% | 388 |
| Net loans and leases to deposits | 97.0525% | 384 |
| Net loans and leases to core deposits | 99.6308% | 684 |
| Total domestic deposits to total assets | 82.6084% | 3,930 |
| Equity capital to assets | 13.3761% | 595 |
| Core capital (leverage) ratio | 11.8760% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1096% | 2,013 |
| Memoranda: | ||
| Average total assets | $772,043,000 | 1,220 |
| Average earning assets | $706,848,000 | 1,240 |
| Average equity | $102,757,000 | 950 |
| Average total loans | $603,175,333 | 1,019 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 645 |
| Cost of funding earning assets | -0.2421% | 4,795 |
| Net interest margin | 4.3391% | 220 |
| Noninterest income to average assets | 0.3412% | 3,051 |
| Noninterest expense to average assets | 2.9258% | 916 |
| Loan and lease loss provision to assets | 0.1306% | 627 |
| Net operating income to assets | 0.9534% | 2,063 |
| Return on assets (ROA) | 0.9534% | 2,059 |
| Pretax return on assets | 1.2446% | 1,672 |
| Return on Equity (ROE) | 7.1811% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.1811% | 1,837 |
| Net charge-offs to loans | 0.0121% | 1,319 |
| Credit loss provision to net charge-offs | 1,405.5556% | 277 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 537 |
| Efficiency ratio | 67.4508% | 2,575 |
| Assets per employee ($millions) | 7.9998% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,666 |
| Loan loss allowance to noncurrent loans | 139.1949% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 316 |
| Noncurrent loans to loans | 1.0527% | 858 |
| Net loans and leases to total assets | 78.0210% | 374 |
| Net loans and leases to deposits | 93.2720% | 390 |
| Net loans and leases to core deposits | 95.9486% | 659 |
| Total domestic deposits to total assets | 83.6489% | 3,840 |
| Equity capital to assets | 13.4972% | 605 |
| Core capital (leverage) ratio | 11.7750% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4527% | 2,014 |
| Memoranda: | ||
| Average total assets | $774,888,500 | 1,224 |
| Average earning assets | $707,147,000 | 1,247 |
| Average equity | $102,881,500 | 970 |
| Average total loans | $593,047,000 | 1,032 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 2,453 |
| Cost of funding earning assets | 0.4538% | 1,174 |
| Net interest margin | 3.1217% | 2,839 |
| Noninterest income to average assets | 1.1289% | 826 |
| Noninterest expense to average assets | 2.5681% | 1,963 |
| Loan and lease loss provision to assets | 0.1434% | 837 |
| Net operating income to assets | 0.9603% | 2,835 |
| Return on assets (ROA) | 0.9603% | 2,900 |
| Pretax return on assets | 1.2796% | 2,421 |
| Return on Equity (ROE) | 7.9652% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.9652% | 1,560 |
| Net charge-offs to loans | -0.1775% | 4,690 |
| Credit loss provision to net charge-offs | -109.2979% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7500% | 2,603 |
| Assets per employee ($millions) | 8.2271% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 1,667 |
| Loan loss allowance to noncurrent loans | 123.0538% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 337 |
| Noncurrent loans to loans | 1.1937% | 803 |
| Net loans and leases to total assets | 72.8984% | 766 |
| Net loans and leases to deposits | 91.9173% | 481 |
| Net loans and leases to core deposits | 94.8147% | 741 |
| Total domestic deposits to total assets | 79.3086% | 4,285 |
| Equity capital to assets | 13.0650% | 878 |
| Core capital (leverage) ratio | 10.7708% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7165% | 1,966 |
| Memoranda: | ||
| Average total assets | $803,515,400 | 1,155 |
| Average earning assets | $736,716,400 | 1,169 |
| Average equity | $96,871,600 | 1,033 |
| Average total loans | $593,936,200 | 1,023 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 2,708 |
| Cost of funding earning assets | 0.4668% | 1,239 |
| Net interest margin | 3.0771% | 3,107 |
| Noninterest income to average assets | 1.2779% | 715 |
| Noninterest expense to average assets | 2.5523% | 1,973 |
| Loan and lease loss provision to assets | 0.1720% | 628 |
| Net operating income to assets | 1.0585% | 2,695 |
| Return on assets (ROA) | 1.0585% | 2,765 |
| Pretax return on assets | 1.3790% | 2,409 |
| Return on Equity (ROE) | 8.9630% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.9630% | 1,711 |
| Net charge-offs to loans | -0.0528% | 4,385 |
| Credit loss provision to net charge-offs | -441.1017% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6252% | 2,752 |
| Assets per employee ($millions) | 8.5840% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,279 |
| Loan loss allowance to noncurrent loans | 123.1338% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 913 |
| Noncurrent loans to loans | 1.0881% | 1,038 |
| Net loans and leases to total assets | 71.3672% | 939 |
| Net loans and leases to deposits | 89.8555% | 616 |
| Net loans and leases to core deposits | 93.4149% | 851 |
| Total domestic deposits to total assets | 79.4245% | 4,304 |
| Equity capital to assets | 12.9070% | 1,008 |
| Core capital (leverage) ratio | 10.6260% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4264% | 1,820 |
| Memoranda: | ||
| Average total assets | $806,945,000 | 1,157 |
| Average earning assets | $740,934,750 | 1,174 |
| Average equity | $95,292,750 | 1,060 |
| Average total loans | $596,337,250 | 1,035 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4890% | 2,921 |
| Cost of funding earning assets | 0.4789% | 1,335 |
| Net interest margin | 3.0101% | 3,295 |
| Noninterest income to average assets | 1.4685% | 560 |
| Noninterest expense to average assets | 2.5855% | 1,897 |
| Loan and lease loss provision to assets | 0.1900% | 588 |
| Net operating income to assets | 1.1271% | 2,444 |
| Return on assets (ROA) | 1.1271% | 2,513 |
| Pretax return on assets | 1.4616% | 2,129 |
| Return on Equity (ROE) | 9.8410% | 2,806 |
| Retained earnings to average equity (ytd only) | 9.8410% | 1,444 |
| Net charge-offs to loans | -0.0833% | 4,570 |
| Credit loss provision to net charge-offs | -306.3492% | 3,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4693% | 2,946 |
| Assets per employee ($millions) | 9.0426% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,661 |
| Loan loss allowance to noncurrent loans | 160.7166% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 1,427 |
| Noncurrent loans to loans | 0.7808% | 1,555 |
| Net loans and leases to total assets | 74.0234% | 754 |
| Net loans and leases to deposits | 93.0332% | 493 |
| Net loans and leases to core deposits | 96.5676% | 779 |
| Total domestic deposits to total assets | 79.5666% | 4,285 |
| Equity capital to assets | 12.6912% | 1,053 |
| Core capital (leverage) ratio | 10.4096% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7486% | 1,708 |
| Memoranda: | ||
| Average total assets | $812,685,333 | 1,136 |
| Average earning assets | $747,492,000 | 1,155 |
| Average equity | $93,080,333 | 1,080 |
| Average total loans | $604,697,000 | 1,030 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 3,221 |
| Cost of funding earning assets | 0.4937% | 1,427 |
| Net interest margin | 2.8966% | 3,536 |
| Noninterest income to average assets | 1.7300% | 475 |
| Noninterest expense to average assets | 2.8156% | 1,334 |
| Loan and lease loss provision to assets | 0.2228% | 516 |
| Net operating income to assets | 1.0648% | 2,592 |
| Return on assets (ROA) | 1.0648% | 2,670 |
| Pretax return on assets | 1.3632% | 2,385 |
| Return on Equity (ROE) | 9.8016% | 2,756 |
| Retained earnings to average equity (ytd only) | 9.8016% | 1,709 |
| Net charge-offs to loans | -0.0268% | 4,121 |
| Credit loss provision to net charge-offs | -1,121.9512% | 3,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4383% | 2,537 |
| Assets per employee ($millions) | 9.6193% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,437 |
| Loan loss allowance to noncurrent loans | 136.0364% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 1,395 |
| Noncurrent loans to loans | 0.8074% | 1,647 |
| Net loans and leases to total assets | 77.5678% | 492 |
| Net loans and leases to deposits | 95.2849% | 431 |
| Net loans and leases to core deposits | 99.6372% | 727 |
| Total domestic deposits to total assets | 81.4062% | 4,002 |
| Equity capital to assets | 12.1989% | 1,202 |
| Core capital (leverage) ratio | 10.0870% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5684% | 2,800 |
| Memoranda: | ||
| Average total assets | $825,676,500 | 1,116 |
| Average earning assets | $761,584,000 | 1,123 |
| Average equity | $89,699,500 | 1,102 |
| Average total loans | $612,173,000 | 1,006 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 2,685 |
| Cost of funding earning assets | 0.8317% | 1,087 |
| Net interest margin | 3.1825% | 3,399 |
| Noninterest income to average assets | 0.8265% | 1,464 |
| Noninterest expense to average assets | 2.8622% | 1,781 |
| Loan and lease loss provision to assets | 0.2799% | 1,365 |
| Net operating income to assets | 0.4978% | 4,034 |
| Return on assets (ROA) | 0.4979% | 4,119 |
| Pretax return on assets | 0.6094% | 4,059 |
| Return on Equity (ROE) | 4.7853% | 3,961 |
| Retained earnings to average equity (ytd only) | -49.1671% | 4,990 |
| Net charge-offs to loans | -0.0361% | 4,594 |
| Credit loss provision to net charge-offs | -1,059.6859% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5953% | 1,280 |
| Assets per employee ($millions) | 10.5303% | 449 |
| Cash dividends to net income (ytd only)* | 1,127.4646% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,620 |
| Loan loss allowance to noncurrent loans | 130.1694% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 1,429 |
| Noncurrent loans to loans | 0.8190% | 1,708 |
| Net loans and leases to total assets | 69.3813% | 1,635 |
| Net loans and leases to deposits | 92.0368% | 775 |
| Net loans and leases to core deposits | 96.2839% | 1,101 |
| Total domestic deposits to total assets | 75.3843% | 4,547 |
| Equity capital to assets | 9.6140% | 3,493 |
| Core capital (leverage) ratio | 9.9413% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9404% | 2,651 |
| Memoranda: | ||
| Average total assets | $723,212,200 | 1,146 |
| Average earning assets | $664,668,200 | 1,158 |
| Average equity | $75,251,600 | 1,215 |
| Average total loans | $529,272,400 | 1,088 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 2,315 |
| Cost of funding earning assets | 0.9459% | 914 |
| Net interest margin | 3.2815% | 3,245 |
| Noninterest income to average assets | 0.7821% | 1,571 |
| Noninterest expense to average assets | 3.0593% | 1,317 |
| Loan and lease loss provision to assets | 0.2727% | 1,479 |
| Net operating income to assets | 0.3996% | 4,264 |
| Return on assets (ROA) | 0.3997% | 4,331 |
| Pretax return on assets | 0.4607% | 4,361 |
| Return on Equity (ROE) | 3.7536% | 4,224 |
| Retained earnings to average equity (ytd only) | -69.8316% | 5,024 |
| Net charge-offs to loans | -0.0391% | 4,607 |
| Credit loss provision to net charge-offs | -942.0000% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9379% | 872 |
| Assets per employee ($millions) | 10.8292% | 398 |
| Cash dividends to net income (ytd only)* | 1,960.4056% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,040 |
| Loan loss allowance to noncurrent loans | 154.0221% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,032 |
| Noncurrent loans to loans | 0.5906% | 2,323 |
| Net loans and leases to total assets | 70.2356% | 1,909 |
| Net loans and leases to deposits | 99.2123% | 567 |
| Net loans and leases to core deposits | 106.5720% | 829 |
| Total domestic deposits to total assets | 70.7932% | 4,730 |
| Equity capital to assets | 9.0471% | 4,083 |
| Core capital (leverage) ratio | 8.9518% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0876% | 2,902 |
| Memoranda: | ||
| Average total assets | $690,777,250 | 1,173 |
| Average earning assets | $633,711,500 | 1,189 |
| Average equity | $73,563,750 | 1,225 |
| Average total loans | $512,049,000 | 1,108 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,480 |
| Cost of funding earning assets | 1.0822% | 752 |
| Net interest margin | 3.5858% | 2,532 |
| Noninterest income to average assets | 0.5494% | 2,356 |
| Noninterest expense to average assets | 3.6071% | 646 |
| Loan and lease loss provision to assets | 0.2582% | 1,636 |
| Net operating income to assets | 0.0467% | 4,730 |
| Return on assets (ROA) | 0.0477% | 4,757 |
| Pretax return on assets | -0.0397% | 4,807 |
| Return on Equity (ROE) | 0.4179% | 4,756 |
| Retained earnings to average equity (ytd only) | -111.7751% | 5,060 |
| Net charge-offs to loans | -0.0118% | 4,249 |
| Credit loss provision to net charge-offs | -2,882.1429% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5157% | 308 |
| Assets per employee ($millions) | 10.7050% | 414 |
| Cash dividends to net income (ytd only)* | 26,845.6376% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,391 |
| Loan loss allowance to noncurrent loans | 126.0277% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 2,090 |
| Noncurrent loans to loans | 0.6185% | 2,311 |
| Net loans and leases to total assets | 69.9061% | 2,045 |
| Net loans and leases to deposits | 100.9796% | 494 |
| Net loans and leases to core deposits | 108.7587% | 782 |
| Total domestic deposits to total assets | 69.2279% | 4,813 |
| Equity capital to assets | 8.6673% | 4,375 |
| Core capital (leverage) ratio | 9.3141% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4932% | 3,088 |
| Memoranda: | ||
| Average total assets | $625,038,667 | 1,259 |
| Average earning assets | $570,858,667 | 1,264 |
| Average equity | $71,305,667 | 1,247 |
| Average total loans | $472,928,000 | 1,169 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 187 |
| Cost of funding earning assets | 1.3739% | 446 |
| Net interest margin | 4.5185% | 482 |
| Noninterest income to average assets | 0.6208% | 1,947 |
| Noninterest expense to average assets | 5.6934% | 166 |
| Loan and lease loss provision to assets | 0.4202% | 719 |
| Net operating income to assets | -0.8844% | 4,975 |
| Return on assets (ROA) | -0.8844% | 4,954 |
| Pretax return on assets | -1.3875% | 4,988 |
| Return on Equity (ROE) | -6.3206% | 4,951 |
| Retained earnings to average equity (ytd only) | -243.2681% | 5,114 |
| Net charge-offs to loans | 0.0031% | 2,483 |
| Credit loss provision to net charge-offs | 16,900.0000% | 46 |
| Earnings coverage of net charge-offs (x) | -389.0000% | 2,578 |
| Efficiency ratio | 119.6247% | 107 |
| Assets per employee ($millions) | 7.1776% | 1,013 |
| Cash dividends to net income (ytd only)* | -3,748.8285% | 5,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 4,160 |
| Loan loss allowance to noncurrent loans | 108.7899% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 1,730 |
| Noncurrent loans to loans | 0.8161% | 1,973 |
| Net loans and leases to total assets | 80.6374% | 613 |
| Net loans and leases to deposits | 103.6926% | 380 |
| Net loans and leases to core deposits | 111.3275% | 784 |
| Total domestic deposits to total assets | 77.7658% | 4,256 |
| Equity capital to assets | 11.2194% | 2,661 |
| Core capital (leverage) ratio | 8.2745% | 4,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4800% | 3,375 |
| Memoranda: | ||
| Average total assets | $482,595,000 | 1,504 |
| Average earning assets | $438,462,500 | 1,526 |
| Average equity | $67,525,500 | 1,305 |
| Average total loans | $388,846,500 | 1,327 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 1,304 |
| Cost of funding earning assets | 0.8601% | 2,376 |
| Net interest margin | 4.2025% | 1,317 |
| Noninterest income to average assets | 0.7000% | 1,821 |
| Noninterest expense to average assets | 4.2724% | 384 |
| Loan and lease loss provision to assets | 0.0199% | 3,622 |
| Net operating income to assets | 0.2294% | 4,818 |
| Return on assets (ROA) | 0.2701% | 4,803 |
| Pretax return on assets | 0.3132% | 4,809 |
| Return on Equity (ROE) | 1.3620% | 4,875 |
| Retained earnings to average equity (ytd only) | 1.3620% | 4,257 |
| Net charge-offs to loans | -0.0208% | 4,630 |
| Credit loss provision to net charge-offs | -121.5686% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7293% | 252 |
| Assets per employee ($millions) | 3.9408% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 881 |
| Loan loss allowance to noncurrent loans | 162.1348% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 1,515 |
| Noncurrent loans to loans | 1.0182% | 1,492 |
| Net loans and leases to total assets | 77.6803% | 1,128 |
| Net loans and leases to deposits | 99.1221% | 658 |
| Net loans and leases to core deposits | 112.7482% | 727 |
| Total domestic deposits to total assets | 78.3682% | 4,303 |
| Equity capital to assets | 19.6036% | 264 |
| Core capital (leverage) ratio | 19.6662% | 253 |
| Tier 1 risk-based capital ratio | 27.3274% | 599 |
| Total risk-based capital ratio | 28.5844% | 585 |
| Memoranda: | ||
| Average total assets | $311,020,800 | 2,101 |
| Average earning assets | $285,541,000 | 2,113 |
| Average equity | $61,673,800 | 1,356 |
| Average total loans | $244,697,200 | 1,859 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 1,255 |
| Cost of funding earning assets | 0.8334% | 2,546 |
| Net interest margin | 4.2824% | 1,194 |
| Noninterest income to average assets | 0.7202% | 1,701 |
| Noninterest expense to average assets | 4.4607% | 310 |
| Loan and lease loss provision to assets | 0.0259% | 3,378 |
| Net operating income to assets | 0.1425% | 4,990 |
| Return on assets (ROA) | 0.2002% | 4,968 |
| Pretax return on assets | 0.2196% | 4,972 |
| Return on Equity (ROE) | 1.0068% | 5,012 |
| Retained earnings to average equity (ytd only) | 1.0068% | 4,566 |
| Net charge-offs to loans | -0.0730% | 4,925 |
| Credit loss provision to net charge-offs | -45.1128% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0777% | 201 |
| Assets per employee ($millions) | 3.6507% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 850 |
| Loan loss allowance to noncurrent loans | 194.0531% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 1,830 |
| Noncurrent loans to loans | 0.8669% | 1,847 |
| Net loans and leases to total assets | 79.8962% | 862 |
| Net loans and leases to deposits | 102.6069% | 472 |
| Net loans and leases to core deposits | 110.5293% | 927 |
| Total domestic deposits to total assets | 77.8663% | 4,369 |
| Equity capital to assets | 19.9459% | 259 |
| Core capital (leverage) ratio | 20.0973% | 245 |
| Tier 1 risk-based capital ratio | 27.9527% | 579 |
| Total risk-based capital ratio | 29.2109% | 559 |
| Memoranda: | ||
| Average total assets | $308,975,500 | 2,124 |
| Average earning assets | $283,009,000 | 2,147 |
| Average equity | $61,448,500 | 1,361 |
| Average total loans | $242,841,750 | 1,876 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 1,295 |
| Cost of funding earning assets | 0.8188% | 2,559 |
| Net interest margin | 4.2543% | 1,229 |
| Noninterest income to average assets | 0.6936% | 1,743 |
| Noninterest expense to average assets | 4.2608% | 377 |
| Loan and lease loss provision to assets | 0.0311% | 3,197 |
| Net operating income to assets | 0.2606% | 4,927 |
| Return on assets (ROA) | 0.2606% | 4,939 |
| Pretax return on assets | 0.2885% | 4,941 |
| Return on Equity (ROE) | 1.3116% | 5,020 |
| Retained earnings to average equity (ytd only) | 1.3116% | 4,348 |
| Net charge-offs to loans | -0.1068% | 5,012 |
| Credit loss provision to net charge-offs | -37.5000% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0229% | 256 |
| Assets per employee ($millions) | 3.5653% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 809 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 2,564 |
| Noncurrent loans to loans | 0.6135% | 2,423 |
| Net loans and leases to total assets | 79.4774% | 970 |
| Net loans and leases to deposits | 102.8024% | 486 |
| Net loans and leases to core deposits | 110.2222% | 965 |
| Total domestic deposits to total assets | 77.3108% | 4,520 |
| Equity capital to assets | 20.1701% | 242 |
| Core capital (leverage) ratio | 20.1090% | 234 |
| Tier 1 risk-based capital ratio | 27.7286% | 574 |
| Total risk-based capital ratio | 28.9864% | 562 |
| Memoranda: | ||
| Average total assets | $308,530,670 | 2,126 |
| Average earning assets | $281,882,670 | 2,155 |
| Average equity | $61,300,000 | 1,356 |
| Average total loans | $239,733,000 | 1,899 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 1,447 |
| Cost of funding earning assets | 0.8077% | 2,492 |
| Net interest margin | 4.1514% | 1,425 |
| Noninterest income to average assets | 0.6217% | 1,952 |
| Noninterest expense to average assets | 4.1177% | 450 |
| Loan and lease loss provision to assets | 0.0116% | 3,285 |
| Net operating income to assets | 0.2740% | 4,930 |
| Return on assets (ROA) | 0.2740% | 4,940 |
| Pretax return on assets | 0.2856% | 4,974 |
| Return on Equity (ROE) | 1.3895% | 5,036 |
| Retained earnings to average equity (ytd only) | 1.3895% | 4,226 |
| Net charge-offs to loans | -0.1833% | 5,162 |
| Credit loss provision to net charge-offs | -8.3333% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2670% | 300 |
| Assets per employee ($millions) | 3.6460% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7389% | 793 |
| Loan loss allowance to noncurrent loans | 223.6178% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 2,026 |
| Noncurrent loans to loans | 0.7776% | 2,088 |
| Net loans and leases to total assets | 75.9607% | 1,485 |
| Net loans and leases to deposits | 97.6651% | 816 |
| Net loans and leases to core deposits | 104.1955% | 1,307 |
| Total domestic deposits to total assets | 77.7767% | 4,552 |
| Equity capital to assets | 19.7916% | 244 |
| Core capital (leverage) ratio | 19.7799% | 242 |
| Tier 1 risk-based capital ratio | 28.7654% | 522 |
| Total risk-based capital ratio | 30.0238% | 515 |
| Memoranda: | ||
| Average total assets | $309,489,500 | 2,126 |
| Average earning assets | $282,793,000 | 2,156 |
| Average equity | $61,028,000 | 1,352 |
| Average total loans | $235,643,000 | 1,954 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 775 |
| Cost of funding earning assets | 0.6786% | 2,219 |
| Net interest margin | 4.4657% | 816 |
| Noninterest income to average assets | 0.8791% | 1,229 |
| Noninterest expense to average assets | 4.0923% | 476 |
| Loan and lease loss provision to assets | 0.1900% | 1,006 |
| Net operating income to assets | 0.5899% | 4,444 |
| Return on assets (ROA) | 0.5899% | 4,452 |
| Pretax return on assets | 0.6770% | 4,471 |
| Return on Equity (ROE) | 2.9421% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.9421% | 3,933 |
| Net charge-offs to loans | 0.5069% | 350 |
| Credit loss provision to net charge-offs | 49.1334% | 3,204 |
| Earnings coverage of net charge-offs (x) | 2.2418% | 3,544 |
| Efficiency ratio | 82.5167% | 745 |
| Assets per employee ($millions) | 3.6794% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 758 |
| Loan loss allowance to noncurrent loans | 221.4989% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 1,845 |
| Noncurrent loans to loans | 0.7889% | 2,033 |
| Net loans and leases to total assets | 73.6603% | 1,979 |
| Net loans and leases to deposits | 97.6068% | 933 |
| Net loans and leases to core deposits | 103.9135% | 1,422 |
| Total domestic deposits to total assets | 75.4664% | 4,816 |
| Equity capital to assets | 19.6460% | 243 |
| Core capital (leverage) ratio | 19.8133% | 240 |
| Tier 1 risk-based capital ratio | 29.4836% | 488 |
| Total risk-based capital ratio | 30.7422% | 482 |
| Memoranda: | ||
| Average total assets | $298,364,000 | 2,173 |
| Average earning assets | $272,610,400 | 2,179 |
| Average equity | $59,821,400 | 1,326 |
| Average total loans | $227,667,600 | 1,966 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 631 |
| Cost of funding earning assets | 0.6456% | 2,173 |
| Net interest margin | 4.5527% | 666 |
| Noninterest income to average assets | 0.9807% | 989 |
| Noninterest expense to average assets | 4.0961% | 461 |
| Loan and lease loss provision to assets | 0.2430% | 649 |
| Net operating income to assets | 0.7084% | 4,198 |
| Return on assets (ROA) | 0.7084% | 4,208 |
| Pretax return on assets | 0.8008% | 4,291 |
| Return on Equity (ROE) | 3.5146% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.5146% | 4,017 |
| Net charge-offs to loans | 0.7300% | 193 |
| Credit loss provision to net charge-offs | 43.4327% | 2,878 |
| Earnings coverage of net charge-offs (x) | 1.8654% | 3,306 |
| Efficiency ratio | 79.6912% | 976 |
| Assets per employee ($millions) | 3.7113% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 821 |
| Loan loss allowance to noncurrent loans | 179.2255% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 2,019 |
| Noncurrent loans to loans | 0.9674% | 1,753 |
| Net loans and leases to total assets | 72.3835% | 2,275 |
| Net loans and leases to deposits | 96.0262% | 1,153 |
| Net loans and leases to core deposits | 101.1918% | 1,680 |
| Total domestic deposits to total assets | 75.3788% | 4,850 |
| Equity capital to assets | 19.5572% | 248 |
| Core capital (leverage) ratio | 20.1050% | 231 |
| Tier 1 risk-based capital ratio | 29.8165% | 486 |
| Total risk-based capital ratio | 31.0748% | 479 |
| Memoranda: | ||
| Average total assets | $295,687,500 | 2,192 |
| Average earning assets | $270,135,500 | 2,208 |
| Average equity | $59,596,750 | 1,331 |
| Average total loans | $226,656,750 | 1,982 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 747 |
| Cost of funding earning assets | 0.6097% | 2,163 |
| Net interest margin | 4.4300% | 798 |
| Noninterest income to average assets | 1.0824% | 820 |
| Noninterest expense to average assets | 4.1534% | 441 |
| Loan and lease loss provision to assets | 0.2181% | 753 |
| Net operating income to assets | 0.7216% | 4,131 |
| Return on assets (ROA) | 0.7216% | 4,139 |
| Pretax return on assets | 0.7580% | 4,371 |
| Return on Equity (ROE) | 3.5432% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.5432% | 3,827 |
| Net charge-offs to loans | 0.8156% | 165 |
| Credit loss provision to net charge-offs | 34.4156% | 2,606 |
| Earnings coverage of net charge-offs (x) | 1.5400% | 3,053 |
| Efficiency ratio | 80.9708% | 920 |
| Assets per employee ($millions) | 3.5116% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 794 |
| Loan loss allowance to noncurrent loans | 106.4729% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 1,105 |
| Noncurrent loans to loans | 1.6623% | 960 |
| Net loans and leases to total assets | 75.8243% | 1,665 |
| Net loans and leases to deposits | 102.3058% | 640 |
| Net loans and leases to core deposits | 107.7277% | 1,134 |
| Total domestic deposits to total assets | 74.1153% | 5,032 |
| Equity capital to assets | 20.2903% | 213 |
| Core capital (leverage) ratio | 20.4932% | 204 |
| Tier 1 risk-based capital ratio | 30.1625% | 467 |
| Total risk-based capital ratio | 31.4217% | 462 |
| Memoranda: | ||
| Average total assets | $291,570,000 | 2,224 |
| Average earning assets | $266,365,000 | 2,239 |
| Average equity | $59,381,000 | 1,337 |
| Average total loans | $226,574,330 | 1,979 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 977 |
| Cost of funding earning assets | 0.5759% | 2,200 |
| Net interest margin | 4.2746% | 992 |
| Noninterest income to average assets | 0.9397% | 1,049 |
| Noninterest expense to average assets | 4.1550% | 438 |
| Loan and lease loss provision to assets | 0.0152% | 3,334 |
| Net operating income to assets | 0.5644% | 4,531 |
| Return on assets (ROA) | 0.5644% | 4,534 |
| Pretax return on assets | 0.6720% | 4,511 |
| Return on Equity (ROE) | 2.7660% | 5,063 |
| Retained earnings to average equity (ytd only) | 2.7660% | 4,079 |
| Net charge-offs to loans | 0.8141% | 178 |
| Credit loss provision to net charge-offs | 2.3913% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.0826% | 2,594 |
| Efficiency ratio | 85.8079% | 661 |
| Assets per employee ($millions) | 3.4409% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 773 |
| Loan loss allowance to noncurrent loans | 65.4526% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 482 |
| Noncurrent loans to loans | 2.7653% | 455 |
| Net loans and leases to total assets | 77.6611% | 1,286 |
| Net loans and leases to deposits | 104.8032% | 441 |
| Net loans and leases to core deposits | 110.4251% | 975 |
| Total domestic deposits to total assets | 74.1018% | 5,144 |
| Equity capital to assets | 20.2331% | 207 |
| Core capital (leverage) ratio | 20.5761% | 192 |
| Tier 1 risk-based capital ratio | 29.4951% | 492 |
| Total risk-based capital ratio | 30.7552% | 486 |
| Memoranda: | ||
| Average total assets | $289,868,000 | 2,250 |
| Average earning assets | $264,636,000 | 2,271 |
| Average equity | $59,146,000 | 1,347 |
| Average total loans | $226,015,500 | 1,993 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7626% | 1,050 |
| Cost of funding earning assets | 0.4837% | 2,468 |
| Net interest margin | 4.2789% | 1,014 |
| Noninterest income to average assets | 0.6222% | 2,342 |
| Noninterest expense to average assets | 4.0187% | 522 |
| Loan and lease loss provision to assets | 0.0183% | 3,932 |
| Net operating income to assets | 0.0254% | 5,335 |
| Return on assets (ROA) | 0.0254% | 5,335 |
| Pretax return on assets | 0.5802% | 4,783 |
| Return on Equity (ROE) | 0.1313% | 5,343 |
| Retained earnings to average equity (ytd only) | 0.1313% | 4,963 |
| Net charge-offs to loans | -0.0963% | 5,362 |
| Credit loss provision to net charge-offs | -25.1232% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0375% | 584 |
| Assets per employee ($millions) | 3.3795% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1006% | 445 |
| Loan loss allowance to noncurrent loans | 95.4892% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 730 |
| Noncurrent loans to loans | 2.1998% | 657 |
| Net loans and leases to total assets | 75.2169% | 1,720 |
| Net loans and leases to deposits | 102.0084% | 605 |
| Net loans and leases to core deposits | 107.4116% | 1,187 |
| Total domestic deposits to total assets | 73.7360% | 5,205 |
| Equity capital to assets | 20.5789% | 190 |
| Core capital (leverage) ratio | 20.7737% | 181 |
| Tier 1 risk-based capital ratio | 30.8576% | 428 |
| Total risk-based capital ratio | 32.1220% | 421 |
| Memoranda: | ||
| Average total assets | $279,192,400 | 2,293 |
| Average earning assets | $260,675,400 | 2,280 |
| Average equity | $54,083,400 | 1,423 |
| Average total loans | $210,900,800 | 2,068 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,109 |
| Cost of funding earning assets | 0.4576% | 2,638 |
| Net interest margin | 4.2551% | 1,037 |
| Noninterest income to average assets | 0.6282% | 2,320 |
| Noninterest expense to average assets | 3.8848% | 607 |
| Loan and lease loss provision to assets | 0.0178% | 3,792 |
| Net operating income to assets | 0.4887% | 4,764 |
| Return on assets (ROA) | 0.4887% | 4,802 |
| Pretax return on assets | 0.7196% | 4,561 |
| Return on Equity (ROE) | 2.5643% | 5,206 |
| Retained earnings to average equity (ytd only) | 2.5643% | 4,353 |
| Net charge-offs to loans | -0.0998% | 5,381 |
| Credit loss provision to net charge-offs | -23.7179% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0462% | 749 |
| Assets per employee ($millions) | 3.4084% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 485 |
| Loan loss allowance to noncurrent loans | 124.6661% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.3346% | 1,198 |
| Noncurrent loans to loans | 1.6798% | 1,081 |
| Net loans and leases to total assets | 76.5113% | 1,495 |
| Net loans and leases to deposits | 101.6219% | 641 |
| Net loans and leases to core deposits | 106.7726% | 1,213 |
| Total domestic deposits to total assets | 75.2902% | 5,100 |
| Equity capital to assets | 21.5362% | 169 |
| Core capital (leverage) ratio | 21.5504% | 155 |
| Tier 1 risk-based capital ratio | 33.4177% | 369 |
| Total risk-based capital ratio | 34.6837% | 361 |
| Memoranda: | ||
| Average total assets | $277,175,500 | 2,316 |
| Average earning assets | $260,164,750 | 2,294 |
| Average equity | $52,825,500 | 1,469 |
| Average total loans | $208,450,000 | 2,096 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 1,131 |
| Cost of funding earning assets | 0.4297% | 2,806 |
| Net interest margin | 4.2331% | 1,006 |
| Noninterest income to average assets | 0.6339% | 2,298 |
| Noninterest expense to average assets | 3.7670% | 700 |
| Loan and lease loss provision to assets | 0.0188% | 3,593 |
| Net operating income to assets | 0.5470% | 4,534 |
| Return on assets (ROA) | 0.5470% | 4,571 |
| Pretax return on assets | 0.8256% | 4,179 |
| Return on Equity (ROE) | 3.0018% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.0018% | 3,930 |
| Net charge-offs to loans | -0.1648% | 5,545 |
| Credit loss provision to net charge-offs | -15.3846% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6884% | 1,035 |
| Assets per employee ($millions) | 3.7706% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 469 |
| Loan loss allowance to noncurrent loans | 129.9915% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 1,106 |
| Noncurrent loans to loans | 1.6494% | 1,115 |
| Net loans and leases to total assets | 74.8631% | 1,719 |
| Net loans and leases to deposits | 99.1537% | 803 |
| Net loans and leases to core deposits | 104.3120% | 1,335 |
| Total domestic deposits to total assets | 75.5021% | 5,146 |
| Equity capital to assets | 21.4484% | 164 |
| Core capital (leverage) ratio | 20.5923% | 186 |
| Tier 1 risk-based capital ratio | 34.0086% | 331 |
| Total risk-based capital ratio | 35.2755% | 324 |
| Memoranda: | ||
| Average total assets | $276,403,330 | 2,332 |
| Average earning assets | $259,717,670 | 2,299 |
| Average equity | $50,370,000 | 1,528 |
| Average total loans | $205,127,670 | 2,126 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,302 |
| Cost of funding earning assets | 0.3834% | 3,164 |
| Net interest margin | 4.1468% | 1,103 |
| Noninterest income to average assets | 0.6500% | 2,178 |
| Noninterest expense to average assets | 3.5697% | 942 |
| Loan and lease loss provision to assets | 0.0145% | 3,376 |
| Net operating income to assets | 0.6020% | 4,157 |
| Return on assets (ROA) | 0.6020% | 4,209 |
| Pretax return on assets | 0.9655% | 3,517 |
| Return on Equity (ROE) | 3.6291% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.6291% | 3,623 |
| Net charge-offs to loans | -0.0279% | 4,896 |
| Credit loss provision to net charge-offs | -71.4286% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4596% | 1,570 |
| Assets per employee ($millions) | 4.2000% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 505 |
| Loan loss allowance to noncurrent loans | 164.7719% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 1,877 |
| Noncurrent loans to loans | 1.3070% | 1,548 |
| Net loans and leases to total assets | 64.4073% | 3,217 |
| Net loans and leases to deposits | 76.9865% | 3,083 |
| Net loans and leases to core deposits | 80.2741% | 3,270 |
| Total domestic deposits to total assets | 83.6606% | 3,599 |
| Equity capital to assets | 14.7497% | 698 |
| Core capital (leverage) ratio | 18.0945% | 279 |
| Tier 1 risk-based capital ratio | 27.6749% | 581 |
| Total risk-based capital ratio | 28.9425% | 568 |
| Memoranda: | ||
| Average total assets | $275,091,000 | 2,362 |
| Average earning assets | $258,705,500 | 2,325 |
| Average equity | $45,631,500 | 1,660 |
| Average total loans | $200,958,500 | 2,172 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 583 |
| Cost of funding earning assets | 0.5649% | 1,568 |
| Net interest margin | 4.4420% | 706 |
| Noninterest income to average assets | 0.6846% | 2,243 |
| Noninterest expense to average assets | 3.9533% | 645 |
| Loan and lease loss provision to assets | 0.0180% | 4,017 |
| Net operating income to assets | 0.5420% | 4,466 |
| Return on assets (ROA) | 0.5420% | 4,563 |
| Pretax return on assets | 0.8770% | 3,923 |
| Return on Equity (ROE) | 2.8216% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.8216% | 3,894 |
| Net charge-offs to loans | 0.8045% | 251 |
| Credit loss provision to net charge-offs | 2.8264% | 3,772 |
| Earnings coverage of net charge-offs (x) | 1.4024% | 3,991 |
| Efficiency ratio | 81.5396% | 1,255 |
| Assets per employee ($millions) | 3.5729% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2206% | 447 |
| Loan loss allowance to noncurrent loans | 89.7399% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.1585% | 608 |
| Noncurrent loans to loans | 2.4745% | 635 |
| Net loans and leases to total assets | 80.6038% | 794 |
| Net loans and leases to deposits | 102.0386% | 531 |
| Net loans and leases to core deposits | 106.6322% | 1,090 |
| Total domestic deposits to total assets | 78.9934% | 4,799 |
| Equity capital to assets | 18.9743% | 246 |
| Core capital (leverage) ratio | 19.4780% | 206 |
| Tier 1 risk-based capital ratio | 30.8435% | 448 |
| Total risk-based capital ratio | 32.1153% | 445 |
| Memoranda: | ||
| Average total assets | $232,842,200 | 2,632 |
| Average earning assets | $218,258,200 | 2,618 |
| Average equity | $44,726,600 | 1,669 |
| Average total loans | $184,701,200 | 2,266 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 589 |
| Cost of funding earning assets | 0.6107% | 1,260 |
| Net interest margin | 4.4000% | 777 |
| Noninterest income to average assets | 0.6805% | 2,259 |
| Noninterest expense to average assets | 3.9594% | 621 |
| Loan and lease loss provision to assets | 0.0202% | 3,830 |
| Net operating income to assets | 0.5092% | 4,663 |
| Return on assets (ROA) | 0.5092% | 4,762 |
| Pretax return on assets | 0.8264% | 4,226 |
| Return on Equity (ROE) | 2.6425% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.6425% | 4,332 |
| Net charge-offs to loans | 1.1391% | 142 |
| Credit loss provision to net charge-offs | 2.2566% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9465% | 3,747 |
| Efficiency ratio | 82.3854% | 1,150 |
| Assets per employee ($millions) | 3.5374% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2127% | 501 |
| Loan loss allowance to noncurrent loans | 130.8837% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 1,317 |
| Noncurrent loans to loans | 1.6906% | 1,245 |
| Net loans and leases to total assets | 81.5870% | 674 |
| Net loans and leases to deposits | 103.9217% | 463 |
| Net loans and leases to core deposits | 108.4634% | 1,019 |
| Total domestic deposits to total assets | 78.5082% | 4,819 |
| Equity capital to assets | 19.2923% | 251 |
| Core capital (leverage) ratio | 19.3227% | 219 |
| Tier 1 risk-based capital ratio | 30.8604% | 451 |
| Total risk-based capital ratio | 32.1320% | 447 |
| Memoranda: | ||
| Average total assets | $231,207,250 | 2,660 |
| Average earning assets | $216,784,250 | 2,640 |
| Average equity | $44,553,000 | 1,679 |
| Average total loans | $181,543,250 | 2,296 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 556 |
| Cost of funding earning assets | 0.6540% | 1,036 |
| Net interest margin | 4.3740% | 807 |
| Noninterest income to average assets | 0.6136% | 2,547 |
| Noninterest expense to average assets | 4.0225% | 575 |
| Loan and lease loss provision to assets | 0.0156% | 3,800 |
| Net operating income to assets | 0.4409% | 4,900 |
| Return on assets (ROA) | 0.4409% | 4,987 |
| Pretax return on assets | 0.6735% | 4,703 |
| Return on Equity (ROE) | 2.2888% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.2888% | 4,421 |
| Net charge-offs to loans | 1.6361% | 85 |
| Credit loss provision to net charge-offs | 1.2422% | 3,042 |
| Earnings coverage of net charge-offs (x) | 0.5480% | 3,513 |
| Efficiency ratio | 85.3748% | 934 |
| Assets per employee ($millions) | 3.4141% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4188% | 397 |
| Loan loss allowance to noncurrent loans | 162.2969% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.3762% | 1,434 |
| Noncurrent loans to loans | 1.4903% | 1,469 |
| Net loans and leases to total assets | 76.3744% | 1,433 |
| Net loans and leases to deposits | 97.3696% | 940 |
| Net loans and leases to core deposits | 102.6830% | 1,418 |
| Total domestic deposits to total assets | 78.4376% | 4,905 |
| Equity capital to assets | 19.2394% | 248 |
| Core capital (leverage) ratio | 19.2204% | 220 |
| Tier 1 risk-based capital ratio | 33.3439% | 375 |
| Total risk-based capital ratio | 34.6201% | 370 |
| Memoranda: | ||
| Average total assets | $230,454,330 | 2,676 |
| Average earning assets | $215,913,330 | 2,658 |
| Average equity | $44,390,330 | 1,692 |
| Average total loans | $177,128,330 | 2,341 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 551 |
| Cost of funding earning assets | 0.6883% | 854 |
| Net interest margin | 4.3362% | 855 |
| Noninterest income to average assets | 0.5645% | 2,723 |
| Noninterest expense to average assets | 4.1219% | 535 |
| Loan and lease loss provision to assets | 0.0087% | 3,574 |
| Net operating income to assets | 0.3293% | 5,215 |
| Return on assets (ROA) | 0.3293% | 5,303 |
| Pretax return on assets | 0.4948% | 5,098 |
| Return on Equity (ROE) | 1.7084% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.7084% | 4,588 |
| Net charge-offs to loans | 3.5095% | 30 |
| Credit loss provision to net charge-offs | 0.3259% | 2,415 |
| Earnings coverage of net charge-offs (x) | 0.1884% | 2,957 |
| Efficiency ratio | 89.1149% | 733 |
| Assets per employee ($millions) | 3.3572% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 426 |
| Loan loss allowance to noncurrent loans | 96.6277% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 2.1123% | 804 |
| Noncurrent loans to loans | 2.5092% | 750 |
| Net loans and leases to total assets | 74.6707% | 1,621 |
| Net loans and leases to deposits | 94.9347% | 1,049 |
| Net loans and leases to core deposits | 100.1726% | 1,470 |
| Total domestic deposits to total assets | 78.6548% | 5,042 |
| Equity capital to assets | 19.1444% | 246 |
| Core capital (leverage) ratio | 19.2278% | 226 |
| Tier 1 risk-based capital ratio | 34.2484% | 361 |
| Total risk-based capital ratio | 35.5272% | 354 |
| Memoranda: | ||
| Average total assets | $229,602,000 | 2,696 |
| Average earning assets | $215,025,500 | 2,678 |
| Average equity | $44,252,500 | 1,696 |
| Average total loans | $174,840,000 | 2,361 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 537 |
| Cost of funding earning assets | 0.8254% | 433 |
| Net interest margin | 4.2517% | 1,061 |
| Noninterest income to average assets | 0.4949% | 3,363 |
| Noninterest expense to average assets | 3.4668% | 1,353 |
| Loan and lease loss provision to assets | 0.0167% | 4,076 |
| Net operating income to assets | 0.6417% | 4,072 |
| Return on assets (ROA) | 0.6417% | 4,165 |
| Pretax return on assets | 0.9868% | 3,522 |
| Return on Equity (ROE) | 3.3492% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.3492% | 3,667 |
| Net charge-offs to loans | 0.1225% | 2,146 |
| Credit loss provision to net charge-offs | 17.6744% | 3,764 |
| Earnings coverage of net charge-offs (x) | 10.5907% | 2,672 |
| Efficiency ratio | 77.5510% | 2,040 |
| Assets per employee ($millions) | 3.3964% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3791% | 148 |
| Loan loss allowance to noncurrent loans | 142.0283% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0377% | 856 |
| Noncurrent loans to loans | 2.3792% | 794 |
| Net loans and leases to total assets | 73.2052% | 1,852 |
| Net loans and leases to deposits | 93.1720% | 1,293 |
| Net loans and leases to core deposits | 98.7838% | 1,608 |
| Total domestic deposits to total assets | 78.5700% | 5,057 |
| Equity capital to assets | 19.4051% | 234 |
| Core capital (leverage) ratio | 19.6365% | 212 |
| Tier 1 risk-based capital ratio | 36.5976% | 294 |
| Total risk-based capital ratio | 37.8940% | 291 |
| Memoranda: | ||
| Average total assets | $226,895,000 | 2,691 |
| Average earning assets | $212,151,600 | 2,656 |
| Average equity | $43,473,000 | 1,691 |
| Average total loans | $175,539,600 | 2,291 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 522 |
| Cost of funding earning assets | 0.8358% | 410 |
| Net interest margin | 4.2582% | 1,041 |
| Noninterest income to average assets | 0.4557% | 3,672 |
| Noninterest expense to average assets | 3.3525% | 1,571 |
| Loan and lease loss provision to assets | 0.0123% | 4,025 |
| Net operating income to assets | 0.6951% | 3,921 |
| Return on assets (ROA) | 0.6951% | 4,029 |
| Pretax return on assets | 1.0697% | 3,328 |
| Return on Equity (ROE) | 3.6395% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.6395% | 3,877 |
| Net charge-offs to loans | 0.0998% | 2,150 |
| Credit loss provision to net charge-offs | 15.9091% | 3,395 |
| Earnings coverage of net charge-offs (x) | 13.9390% | 2,280 |
| Efficiency ratio | 75.6001% | 2,306 |
| Assets per employee ($millions) | 3.4900% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3531% | 171 |
| Loan loss allowance to noncurrent loans | 141.6006% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 2.0688% | 966 |
| Noncurrent loans to loans | 2.3680% | 884 |
| Net loans and leases to total assets | 74.8624% | 1,572 |
| Net loans and leases to deposits | 95.2596% | 1,072 |
| Net loans and leases to core deposits | 101.0893% | 1,438 |
| Total domestic deposits to total assets | 78.5877% | 5,070 |
| Equity capital to assets | 19.3449% | 260 |
| Core capital (leverage) ratio | 19.3713% | 226 |
| Tier 1 risk-based capital ratio | 35.3787% | 337 |
| Total risk-based capital ratio | 36.6737% | 334 |
| Memoranda: | ||
| Average total assets | $226,729,000 | 2,712 |
| Average earning assets | $211,854,000 | 2,676 |
| Average equity | $43,301,750 | 1,706 |
| Average total loans | $176,321,750 | 2,286 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 465 |
| Cost of funding earning assets | 0.8428% | 393 |
| Net interest margin | 4.2955% | 928 |
| Noninterest income to average assets | 0.3608% | 4,360 |
| Noninterest expense to average assets | 3.2662% | 1,801 |
| Loan and lease loss provision to assets | 0.0035% | 4,016 |
| Net operating income to assets | 0.7049% | 3,868 |
| Return on assets (ROA) | 0.7049% | 3,987 |
| Pretax return on assets | 1.0975% | 3,185 |
| Return on Equity (ROE) | 3.7070% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.7070% | 3,666 |
| Net charge-offs to loans | 0.1076% | 1,917 |
| Credit loss provision to net charge-offs | 4.2105% | 3,132 |
| Earnings coverage of net charge-offs (x) | 13.1368% | 2,157 |
| Efficiency ratio | 74.7879% | 2,566 |
| Assets per employee ($millions) | 3.6561% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3739% | 180 |
| Loan loss allowance to noncurrent loans | 182.1880% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 1,278 |
| Noncurrent loans to loans | 1.8519% | 1,367 |
| Net loans and leases to total assets | 74.6938% | 1,550 |
| Net loans and leases to deposits | 95.0358% | 1,046 |
| Net loans and leases to core deposits | 100.9817% | 1,407 |
| Total domestic deposits to total assets | 78.5954% | 5,174 |
| Equity capital to assets | 19.1908% | 258 |
| Core capital (leverage) ratio | 19.2939% | 229 |
| Tier 1 risk-based capital ratio | 35.0470% | 359 |
| Total risk-based capital ratio | 36.3432% | 357 |
| Memoranda: | ||
| Average total assets | $226,688,330 | 2,730 |
| Average earning assets | $211,431,000 | 2,702 |
| Average equity | $43,107,670 | 1,722 |
| Average total loans | $176,523,000 | 2,292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 421 |
| Cost of funding earning assets | 0.8509% | 380 |
| Net interest margin | 4.3264% | 830 |
| Noninterest income to average assets | 0.3017% | 4,762 |
| Noninterest expense to average assets | 3.1761% | 2,045 |
| Loan and lease loss provision to assets | 0.0071% | 3,617 |
| Net operating income to assets | 0.7340% | 3,623 |
| Return on assets (ROA) | 0.7340% | 3,755 |
| Pretax return on assets | 1.1469% | 2,878 |
| Return on Equity (ROE) | 3.8778% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,675 |
| Net charge-offs to loans | 0.0158% | 2,853 |
| Credit loss provision to net charge-offs | 57.1429% | 2,034 |
| Earnings coverage of net charge-offs (x) | 93.4286% | 523 |
| Efficiency ratio | 73.3496% | 2,935 |
| Assets per employee ($millions) | 3.6883% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3993% | 200 |
| Loan loss allowance to noncurrent loans | 227.9635% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 1.6582% | 1,526 |
| Noncurrent loans to loans | 1.4912% | 1,898 |
| Net loans and leases to total assets | 74.5628% | 1,419 |
| Net loans and leases to deposits | 94.3456% | 947 |
| Net loans and leases to core deposits | 101.0166% | 1,257 |
| Total domestic deposits to total assets | 79.0316% | 5,256 |
| Equity capital to assets | 18.8559% | 271 |
| Core capital (leverage) ratio | 19.1249% | 238 |
| Tier 1 risk-based capital ratio | 34.7964% | 370 |
| Total risk-based capital ratio | 36.0910% | 364 |
| Memoranda: | ||
| Average total assets | $226,694,500 | 2,751 |
| Average earning assets | $211,075,500 | 2,718 |
| Average equity | $42,911,000 | 1,732 |
| Average total loans | $177,172,000 | 2,294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4228% | 362 |
| Cost of funding earning assets | 0.9680% | 264 |
| Net interest margin | 4.4549% | 807 |
| Noninterest income to average assets | 0.3107% | 4,899 |
| Noninterest expense to average assets | 3.1408% | 2,388 |
| Loan and lease loss provision to assets | 0.0126% | 4,367 |
| Net operating income to assets | 3.5721% | 68 |
| Return on assets (ROA) | 3.5860% | 69 |
| Pretax return on assets | 1.3787% | 1,961 |
| Return on Equity (ROE) | 20.9908% | 209 |
| Retained earnings to average equity (ytd only) | 20.9908% | 59 |
| Net charge-offs to loans | -0.1295% | 6,175 |
| Credit loss provision to net charge-offs | -11.7647% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5147% | 3,628 |
| Assets per employee ($millions) | 3.6244% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3756% | 203 |
| Loan loss allowance to noncurrent loans | 191.1783% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 2.0101% | 1,268 |
| Noncurrent loans to loans | 1.7657% | 1,632 |
| Net loans and leases to total assets | 76.4681% | 1,201 |
| Net loans and leases to deposits | 96.8051% | 846 |
| Net loans and leases to core deposits | 103.9245% | 1,130 |
| Total domestic deposits to total assets | 78.9918% | 5,250 |
| Equity capital to assets | 19.0034% | 264 |
| Core capital (leverage) ratio | 17.6951% | 308 |
| Tier 1 risk-based capital ratio | 33.2187% | 390 |
| Total risk-based capital ratio | 34.5159% | 379 |
| Memoranda: | ||
| Average total assets | $223,035,600 | 2,751 |
| Average earning assets | $210,646,400 | 2,700 |
| Average equity | $38,102,400 | 1,854 |
| Average total loans | $183,767,400 | 2,188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 338 |
| Cost of funding earning assets | 0.9817% | 267 |
| Net interest margin | 4.4745% | 783 |
| Noninterest income to average assets | 0.2743% | 5,246 |
| Noninterest expense to average assets | 3.0976% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 4.5123% | 51 |
| Return on assets (ROA) | 4.5308% | 52 |
| Pretax return on assets | 1.4374% | 1,861 |
| Return on Equity (ROE) | 27.2958% | 76 |
| Retained earnings to average equity (ytd only) | 27.2958% | 31 |
| Net charge-offs to loans | 0.0209% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 81.6806% | 691 |
| Efficiency ratio | 68.5851% | 3,750 |
| Assets per employee ($millions) | 3.7972% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1738% | 297 |
| Loan loss allowance to noncurrent loans | 187.3933% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8325% | 1,613 |
| Noncurrent loans to loans | 1.6937% | 1,919 |
| Net loans and leases to total assets | 76.4345% | 1,165 |
| Net loans and leases to deposits | 96.1022% | 870 |
| Net loans and leases to core deposits | 102.7884% | 1,169 |
| Total domestic deposits to total assets | 79.5347% | 5,210 |
| Equity capital to assets | 18.5534% | 298 |
| Core capital (leverage) ratio | 17.2498% | 348 |
| Tier 1 risk-based capital ratio | 32.6574% | 423 |
| Total risk-based capital ratio | 33.9516% | 413 |
| Memoranda: | ||
| Average total assets | $222,616,500 | 2,776 |
| Average earning assets | $211,058,000 | 2,718 |
| Average equity | $36,952,250 | 1,910 |
| Average total loans | $185,250,250 | 2,177 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 339 |
| Cost of funding earning assets | 1.0020% | 255 |
| Net interest margin | 4.4499% | 780 |
| Noninterest income to average assets | 0.2916% | 5,089 |
| Noninterest expense to average assets | 3.0342% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8585% | 3,022 |
| Return on assets (ROA) | 0.8765% | 3,013 |
| Pretax return on assets | 1.5239% | 1,467 |
| Return on Equity (ROE) | 5.5032% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.5032% | 2,631 |
| Net charge-offs to loans | 0.2470% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.1515% | 2,673 |
| Efficiency ratio | 66.9798% | 4,197 |
| Assets per employee ($millions) | 3.6849% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9865% | 389 |
| Loan loss allowance to noncurrent loans | 135.8076% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 2.5546% | 1,091 |
| Noncurrent loans to loans | 2.1991% | 1,487 |
| Net loans and leases to total assets | 80.9107% | 583 |
| Net loans and leases to deposits | 99.2383% | 594 |
| Net loans and leases to core deposits | 106.1530% | 889 |
| Total domestic deposits to total assets | 81.5318% | 4,803 |
| Equity capital to assets | 16.1348% | 528 |
| Core capital (leverage) ratio | 16.1348% | 459 |
| Tier 1 risk-based capital ratio | 29.4512% | 546 |
| Total risk-based capital ratio | 30.7415% | 533 |
| Memoranda: | ||
| Average total assets | $220,879,000 | 2,802 |
| Average earning assets | $210,385,670 | 2,737 |
| Average equity | $35,179,670 | 1,986 |
| Average total loans | $187,051,000 | 2,158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4846% | 296 |
| Cost of funding earning assets | 1.0346% | 234 |
| Net interest margin | 4.4501% | 728 |
| Noninterest income to average assets | 0.2881% | 5,067 |
| Noninterest expense to average assets | 3.0167% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7884% | 3,207 |
| Return on assets (ROA) | 0.8244% | 3,110 |
| Pretax return on assets | 1.5672% | 1,245 |
| Return on Equity (ROE) | 5.2100% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.2100% | 2,988 |
| Net charge-offs to loans | 0.1104% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.0385% | 1,521 |
| Efficiency ratio | 66.6267% | 4,426 |
| Assets per employee ($millions) | 3.5765% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0322% | 419 |
| Loan loss allowance to noncurrent loans | 132.2708% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 2.8290% | 1,040 |
| Noncurrent loans to loans | 2.2925% | 1,559 |
| Net loans and leases to total assets | 81.9872% | 358 |
| Net loans and leases to deposits | 99.9659% | 438 |
| Net loans and leases to core deposits | 106.8243% | 725 |
| Total domestic deposits to total assets | 82.0151% | 4,941 |
| Equity capital to assets | 15.8567% | 545 |
| Core capital (leverage) ratio | 15.8567% | 497 |
| Tier 1 risk-based capital ratio | 28.6118% | 603 |
| Total risk-based capital ratio | 29.9032% | 584 |
| Memoranda: | ||
| Average total assets | $220,772,000 | 2,821 |
| Average earning assets | $210,332,500 | 2,752 |
| Average equity | $34,933,000 | 1,987 |
| Average total loans | $188,379,000 | 2,150 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 501 |
| Cost of funding earning assets | 1.2149% | 161 |
| Net interest margin | 4.1153% | 1,606 |
| Noninterest income to average assets | 0.3739% | 4,639 |
| Noninterest expense to average assets | 2.7523% | 3,902 |
| Loan and lease loss provision to assets | 0.7946% | 274 |
| Net operating income to assets | 0.6196% | 4,169 |
| Return on assets (ROA) | 0.6196% | 4,280 |
| Pretax return on assets | 0.7220% | 4,456 |
| Return on Equity (ROE) | 4.1449% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.1449% | 3,223 |
| Net charge-offs to loans | 1.1225% | 492 |
| Credit loss provision to net charge-offs | 85.8586% | 2,878 |
| Earnings coverage of net charge-offs (x) | 1.6388% | 4,509 |
| Efficiency ratio | 64.4734% | 4,823 |
| Assets per employee ($millions) | 3.6634% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0316% | 452 |
| Loan loss allowance to noncurrent loans | 86.2468% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 3.7215% | 751 |
| Noncurrent loans to loans | 3.5150% | 886 |
| Net loans and leases to total assets | 83.5002% | 289 |
| Net loans and leases to deposits | 101.5138% | 416 |
| Net loans and leases to core deposits | 108.4581% | 675 |
| Total domestic deposits to total assets | 82.2549% | 4,784 |
| Equity capital to assets | 15.7892% | 561 |
| Core capital (leverage) ratio | 15.7892% | 493 |
| Tier 1 risk-based capital ratio | 28.0512% | 607 |
| Total risk-based capital ratio | 29.3429% | 591 |
| Memoranda: | ||
| Average total assets | $224,650,400 | 2,769 |
| Average earning assets | $212,618,800 | 2,690 |
| Average equity | $33,583,200 | 2,054 |
| Average total loans | $185,213,400 | 2,155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 534 |
| Cost of funding earning assets | 1.2385% | 167 |
| Net interest margin | 4.0650% | 1,742 |
| Noninterest income to average assets | 0.3194% | 5,136 |
| Noninterest expense to average assets | 2.6735% | 4,119 |
| Loan and lease loss provision to assets | 1.0537% | 152 |
| Net operating income to assets | 0.4303% | 5,109 |
| Return on assets (ROA) | 0.4303% | 5,257 |
| Pretax return on assets | 0.4303% | 5,549 |
| Return on Equity (ROE) | 2.9186% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.9186% | 4,577 |
| Net charge-offs to loans | 1.3550% | 386 |
| Credit loss provision to net charge-offs | 95.3526% | 2,501 |
| Earnings coverage of net charge-offs (x) | 1.3429% | 4,390 |
| Efficiency ratio | 64.3050% | 4,750 |
| Assets per employee ($millions) | 3.9094% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1967% | 455 |
| Loan loss allowance to noncurrent loans | 87.5921% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 3.8890% | 822 |
| Noncurrent loans to loans | 3.6495% | 1,015 |
| Net loans and leases to total assets | 80.7772% | 477 |
| Net loans and leases to deposits | 97.4068% | 597 |
| Net loans and leases to core deposits | 103.6926% | 892 |
| Total domestic deposits to total assets | 82.9277% | 4,605 |
| Equity capital to assets | 15.2764% | 667 |
| Core capital (leverage) ratio | 15.2764% | 596 |
| Tier 1 risk-based capital ratio | 28.0436% | 629 |
| Total risk-based capital ratio | 29.3386% | 614 |
| Memoranda: | ||
| Average total assets | $225,862,500 | 2,777 |
| Average earning assets | $213,263,500 | 2,704 |
| Average equity | $33,302,750 | 2,091 |
| Average total loans | $184,198,500 | 2,167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 573 |
| Cost of funding earning assets | 1.2583% | 169 |
| Net interest margin | 3.9994% | 1,856 |
| Noninterest income to average assets | 0.2891% | 5,383 |
| Noninterest expense to average assets | 2.6288% | 4,287 |
| Loan and lease loss provision to assets | 1.5736% | 78 |
| Net operating income to assets | -0.1472% | 6,451 |
| Return on assets (ROA) | -0.1472% | 6,493 |
| Pretax return on assets | -0.1472% | 6,463 |
| Return on Equity (ROE) | -1.0104% | 6,458 |
| Retained earnings to average equity (ytd only) | -1.0104% | 6,055 |
| Net charge-offs to loans | 1.3888% | 405 |
| Credit loss provision to net charge-offs | 140.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1.2690% | 4,119 |
| Efficiency ratio | 64.8261% | 4,736 |
| Assets per employee ($millions) | 4.1499% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5997% | 343 |
| Loan loss allowance to noncurrent loans | 72.8478% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 5.5159% | 532 |
| Noncurrent loans to loans | 4.9414% | 662 |
| Net loans and leases to total assets | 78.1670% | 734 |
| Net loans and leases to deposits | 93.7264% | 826 |
| Net loans and leases to core deposits | 99.9806% | 1,078 |
| Total domestic deposits to total assets | 83.3992% | 4,549 |
| Equity capital to assets | 14.7981% | 756 |
| Core capital (leverage) ratio | 14.7981% | 647 |
| Tier 1 risk-based capital ratio | 27.7839% | 643 |
| Total risk-based capital ratio | 29.0859% | 626 |
| Memoranda: | ||
| Average total assets | $226,872,000 | 2,774 |
| Average earning assets | $213,630,000 | 2,701 |
| Average equity | $33,056,670 | 2,106 |
| Average total loans | $183,617,000 | 2,166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 545 |
| Cost of funding earning assets | 1.2703% | 176 |
| Net interest margin | 3.9898% | 1,832 |
| Noninterest income to average assets | 0.2278% | 5,836 |
| Noninterest expense to average assets | 2.9353% | 3,208 |
| Loan and lease loss provision to assets | 2.1905% | 52 |
| Net operating income to assets | -1.1443% | 6,841 |
| Return on assets (ROA) | -1.1443% | 6,847 |
| Pretax return on assets | -1.1443% | 6,831 |
| Return on Equity (ROE) | -7.9142% | 6,763 |
| Retained earnings to average equity (ytd only) | -7.9142% | 6,519 |
| Net charge-offs to loans | 1.8356% | 263 |
| Credit loss provision to net charge-offs | 147.5797% | 1,384 |
| Earnings coverage of net charge-offs (x) | 0.7048% | 3,594 |
| Efficiency ratio | 73.7236% | 3,310 |
| Assets per employee ($millions) | 4.0494% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5372% | 404 |
| Loan loss allowance to noncurrent loans | 67.7548% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 6.1372% | 518 |
| Noncurrent loans to loans | 5.2206% | 724 |
| Net loans and leases to total assets | 77.3754% | 678 |
| Net loans and leases to deposits | 92.2765% | 777 |
| Net loans and leases to core deposits | 98.2958% | 1,060 |
| Total domestic deposits to total assets | 83.8516% | 4,536 |
| Equity capital to assets | 14.4104% | 903 |
| Core capital (leverage) ratio | 14.4104% | 691 |
| Tier 1 risk-based capital ratio | 27.0607% | 701 |
| Total risk-based capital ratio | 28.3609% | 683 |
| Memoranda: | ||
| Average total assets | $228,259,500 | 2,801 |
| Average earning assets | $214,749,500 | 2,718 |
| Average equity | $33,004,000 | 2,127 |
| Average total loans | $184,570,000 | 2,168 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 690 |
| Cost of funding earning assets | 1.4226% | 238 |
| Net interest margin | 4.0256% | 2,287 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 2.7486% | 4,223 |
| Loan and lease loss provision to assets | 4.0902% | 16 |
| Net operating income to assets | -3.1375% | 7,013 |
| Return on assets (ROA) | -3.1375% | 7,019 |
| Pretax return on assets | -3.0870% | 7,018 |
| Return on Equity (ROE) | -19.9584% | 6,882 |
| Retained earnings to average equity (ytd only) | -19.9584% | 6,850 |
| Net charge-offs to loans | 3.8163% | 84 |
| Credit loss provision to net charge-offs | 130.7901% | 2,139 |
| Earnings coverage of net charge-offs (x) | 0.3208% | 5,317 |
| Efficiency ratio | 73.2602% | 3,198 |
| Assets per employee ($millions) | 4.1027% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2204% | 539 |
| Loan loss allowance to noncurrent loans | 49.7320% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 6.7129% | 473 |
| Noncurrent loans to loans | 6.4755% | 523 |
| Net loans and leases to total assets | 78.8738% | 580 |
| Net loans and leases to deposits | 94.0717% | 747 |
| Net loans and leases to core deposits | 100.8397% | 976 |
| Total domestic deposits to total assets | 83.8444% | 4,388 |
| Equity capital to assets | 14.5069% | 870 |
| Core capital (leverage) ratio | 14.5069% | 669 |
| Tier 1 risk-based capital ratio | 26.8379% | 703 |
| Total risk-based capital ratio | 28.1327% | 693 |
| Memoranda: | ||
| Average total assets | $235,537,600 | 2,673 |
| Average earning assets | $219,521,200 | 2,617 |
| Average equity | $37,027,000 | 1,876 |
| Average total loans | $193,016,400 | 2,070 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 557 |
| Cost of funding earning assets | 1.4556% | 244 |
| Net interest margin | 4.1433% | 1,926 |
| Noninterest income to average assets | 0.0388% | 6,838 |
| Noninterest expense to average assets | 2.7512% | 4,166 |
| Loan and lease loss provision to assets | 4.6539% | 11 |
| Net operating income to assets | -3.5833% | 7,127 |
| Return on assets (ROA) | -3.5833% | 7,130 |
| Pretax return on assets | -3.5163% | 7,127 |
| Return on Equity (ROE) | -22.3755% | 7,014 |
| Retained earnings to average equity (ytd only) | -22.3755% | 6,999 |
| Net charge-offs to loans | 4.3470% | 66 |
| Credit loss provision to net charge-offs | 130.4732% | 2,208 |
| Earnings coverage of net charge-offs (x) | 0.3189% | 5,167 |
| Efficiency ratio | 70.7465% | 3,549 |
| Assets per employee ($millions) | 4.1304% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0028% | 709 |
| Loan loss allowance to noncurrent loans | 43.9090% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 7.3890% | 461 |
| Noncurrent loans to loans | 6.8388% | 544 |
| Net loans and leases to total assets | 79.5320% | 551 |
| Net loans and leases to deposits | 95.2312% | 708 |
| Net loans and leases to core deposits | 102.0469% | 980 |
| Total domestic deposits to total assets | 83.5146% | 4,426 |
| Equity capital to assets | 14.8511% | 858 |
| Core capital (leverage) ratio | 14.8511% | 636 |
| Tier 1 risk-based capital ratio | 27.2471% | 723 |
| Total risk-based capital ratio | 28.5377% | 700 |
| Memoranda: | ||
| Average total assets | $236,983,750 | 2,687 |
| Average earning assets | $220,205,750 | 2,639 |
| Average equity | $37,951,250 | 1,850 |
| Average total loans | $194,459,250 | 2,083 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6396% | 539 |
| Cost of funding earning assets | 1.4827% | 257 |
| Net interest margin | 4.1569% | 1,878 |
| Noninterest income to average assets | 0.0837% | 6,743 |
| Noninterest expense to average assets | 2.7470% | 4,228 |
| Loan and lease loss provision to assets | 4.2658% | 20 |
| Net operating income to assets | -2.9228% | 7,152 |
| Return on assets (ROA) | -2.9228% | 7,158 |
| Pretax return on assets | -3.0794% | 7,152 |
| Return on Equity (ROE) | -17.8334% | 7,008 |
| Retained earnings to average equity (ytd only) | -17.8334% | 6,980 |
| Net charge-offs to loans | 3.1633% | 177 |
| Credit loss provision to net charge-offs | 164.3018% | 1,695 |
| Earnings coverage of net charge-offs (x) | 0.4569% | 4,849 |
| Efficiency ratio | 69.8382% | 3,793 |
| Assets per employee ($millions) | 4.1418% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9606% | 811 |
| Loan loss allowance to noncurrent loans | 66.3627% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 6.1677% | 682 |
| Noncurrent loans to loans | 4.4613% | 1,192 |
| Net loans and leases to total assets | 79.8161% | 534 |
| Net loans and leases to deposits | 96.6249% | 592 |
| Net loans and leases to core deposits | 103.6035% | 886 |
| Total domestic deposits to total assets | 82.6041% | 4,907 |
| Equity capital to assets | 15.7715% | 628 |
| Core capital (leverage) ratio | 15.7715% | 492 |
| Tier 1 risk-based capital ratio | 28.2172% | 627 |
| Total risk-based capital ratio | 29.5055% | 613 |
| Memoranda: | ||
| Average total assets | $238,877,670 | 2,669 |
| Average earning assets | $221,221,330 | 2,632 |
| Average equity | $39,151,330 | 1,775 |
| Average total loans | $196,061,000 | 2,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 471 |
| Cost of funding earning assets | 1.5157% | 269 |
| Net interest margin | 4.2335% | 1,657 |
| Noninterest income to average assets | 0.0816% | 6,818 |
| Noninterest expense to average assets | 2.7635% | 4,186 |
| Loan and lease loss provision to assets | 3.5709% | 42 |
| Net operating income to assets | -2.0310% | 7,156 |
| Return on assets (ROA) | -2.0310% | 7,159 |
| Pretax return on assets | -2.3423% | 7,163 |
| Return on Equity (ROE) | -12.1665% | 7,027 |
| Retained earnings to average equity (ytd only) | -12.1665% | 6,904 |
| Net charge-offs to loans | 2.1766% | 410 |
| Credit loss provision to net charge-offs | 200.0933% | 1,331 |
| Earnings coverage of net charge-offs (x) | 0.6884% | 3,996 |
| Efficiency ratio | 69.2244% | 3,943 |
| Assets per employee ($millions) | 4.5094% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4273% | 1,464 |
| Loan loss allowance to noncurrent loans | 116.3115% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 4.7076% | 1,120 |
| Noncurrent loans to loans | 2.0869% | 3,046 |
| Net loans and leases to total assets | 79.8748% | 418 |
| Net loans and leases to deposits | 97.4940% | 459 |
| Net loans and leases to core deposits | 104.5724% | 736 |
| Total domestic deposits to total assets | 81.9280% | 5,323 |
| Equity capital to assets | 16.5273% | 498 |
| Core capital (leverage) ratio | 16.5273% | 407 |
| Tier 1 risk-based capital ratio | 29.0790% | 567 |
| Total risk-based capital ratio | 30.3570% | 557 |
| Memoranda: | ||
| Average total assets | $240,274,500 | 2,667 |
| Average earning assets | $221,945,500 | 2,637 |
| Average equity | $40,110,000 | 1,732 |
| Average total loans | $197,000,500 | 2,059 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6500% | 866 |
| Cost of funding earning assets | 1.7264% | 292 |
| Net interest margin | 3.9236% | 3,233 |
| Noninterest income to average assets | 0.0214% | 6,933 |
| Noninterest expense to average assets | 3.9676% | 1,088 |
| Loan and lease loss provision to assets | 2.2428% | 228 |
| Net operating income to assets | -2.1826% | 7,055 |
| Return on assets (ROA) | -2.1826% | 7,071 |
| Pretax return on assets | -2.5778% | 7,131 |
| Return on Equity (ROE) | -12.2939% | 6,807 |
| Retained earnings to average equity (ytd only) | -12.2939% | 6,779 |
| Net charge-offs to loans | 1.8484% | 787 |
| Credit loss provision to net charge-offs | 150.2030% | 1,879 |
| Earnings coverage of net charge-offs (x) | -0.2244% | 5,968 |
| Efficiency ratio | 109.2224% | 449 |
| Assets per employee ($millions) | 4.4731% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 2,695 |
| Loan loss allowance to noncurrent loans | 54.9544% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 5.3678% | 963 |
| Noncurrent loans to loans | 3.3733% | 1,916 |
| Net loans and leases to total assets | 80.5941% | 435 |
| Net loans and leases to deposits | 98.7912% | 514 |
| Net loans and leases to core deposits | 105.7344% | 804 |
| Total domestic deposits to total assets | 81.5802% | 5,273 |
| Equity capital to assets | 16.8578% | 465 |
| Core capital (leverage) ratio | 15.6059% | 508 |
| Tier 1 risk-based capital ratio | 23.3834% | 1,051 |
| Total risk-based capital ratio | 24.6465% | 1,029 |
| Memoranda: | ||
| Average total assets | $247,454,400 | 2,548 |
| Average earning assets | $227,752,400 | 2,531 |
| Average equity | $43,932,200 | 1,539 |
| Average total loans | $199,900,000 | 2,047 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 951 |
| Cost of funding earning assets | 1.7625% | 300 |
| Net interest margin | 3.8822% | 3,469 |
| Noninterest income to average assets | -0.0728% | 7,194 |
| Noninterest expense to average assets | 4.3379% | 688 |
| Loan and lease loss provision to assets | 2.5736% | 169 |
| Net operating income to assets | -2.8628% | 7,252 |
| Return on assets (ROA) | -2.8628% | 7,263 |
| Pretax return on assets | -3.4167% | 7,299 |
| Return on Equity (ROE) | -15.9304% | 7,034 |
| Retained earnings to average equity (ytd only) | -15.9304% | 7,009 |
| Net charge-offs to loans | 2.0057% | 634 |
| Credit loss provision to net charge-offs | 159.4756% | 1,938 |
| Earnings coverage of net charge-offs (x) | -0.5224% | 5,838 |
| Efficiency ratio | 124.1226% | 265 |
| Assets per employee ($millions) | 4.5024% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,911 |
| Loan loss allowance to noncurrent loans | 88.1248% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 4.1393% | 1,480 |
| Noncurrent loans to loans | 2.0539% | 3,297 |
| Net loans and leases to total assets | 80.6375% | 452 |
| Net loans and leases to deposits | 98.6381% | 540 |
| Net loans and leases to core deposits | 105.6940% | 888 |
| Total domestic deposits to total assets | 81.7509% | 5,180 |
| Equity capital to assets | 16.7713% | 507 |
| Core capital (leverage) ratio | 15.5895% | 560 |
| Tier 1 risk-based capital ratio | 23.6773% | 1,049 |
| Total risk-based capital ratio | 24.9400% | 1,034 |
| Memoranda: | ||
| Average total assets | $248,930,500 | 2,542 |
| Average earning assets | $228,762,750 | 2,531 |
| Average equity | $44,735,250 | 1,519 |
| Average total loans | $200,287,000 | 2,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6006% | 1,068 |
| Cost of funding earning assets | 1.7949% | 317 |
| Net interest margin | 3.8056% | 3,754 |
| Noninterest income to average assets | -0.2192% | 7,345 |
| Noninterest expense to average assets | 2.4571% | 5,671 |
| Loan and lease loss provision to assets | 1.4789% | 479 |
| Net operating income to assets | -0.4736% | 6,668 |
| Return on assets (ROA) | -0.4736% | 6,692 |
| Pretax return on assets | -0.6681% | 6,747 |
| Return on Equity (ROE) | -2.5795% | 6,556 |
| Retained earnings to average equity (ytd only) | -2.5795% | 6,320 |
| Net charge-offs to loans | 1.8844% | 724 |
| Credit loss provision to net charge-offs | 98.2001% | 3,211 |
| Earnings coverage of net charge-offs (x) | 0.5384% | 4,903 |
| Efficiency ratio | 75.1891% | 3,150 |
| Assets per employee ($millions) | 4.4997% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 6,650 |
| Loan loss allowance to noncurrent loans | 30.7758% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 4.7599% | 1,306 |
| Noncurrent loans to loans | 2.9303% | 2,487 |
| Net loans and leases to total assets | 79.4341% | 599 |
| Net loans and leases to deposits | 99.0138% | 542 |
| Net loans and leases to core deposits | 106.2064% | 923 |
| Total domestic deposits to total assets | 80.2253% | 5,760 |
| Equity capital to assets | 18.3960% | 351 |
| Core capital (leverage) ratio | 17.8155% | 348 |
| Tier 1 risk-based capital ratio | 26.8055% | 741 |
| Total risk-based capital ratio | 27.9009% | 736 |
| Memoranda: | ||
| Average total assets | $250,864,000 | 2,539 |
| Average earning assets | $229,869,000 | 2,526 |
| Average equity | $46,055,000 | 1,467 |
| Average total loans | $200,493,330 | 2,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 1,195 |
| Cost of funding earning assets | 1.8263% | 341 |
| Net interest margin | 3.7164% | 4,016 |
| Noninterest income to average assets | -0.1774% | 7,424 |
| Noninterest expense to average assets | 2.3488% | 6,054 |
| Loan and lease loss provision to assets | 0.2534% | 3,125 |
| Net operating income to assets | 0.6272% | 3,884 |
| Return on assets (ROA) | 0.6272% | 3,950 |
| Pretax return on assets | 0.6272% | 4,579 |
| Return on Equity (ROE) | 3.4198% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.4198% | 4,138 |
| Net charge-offs to loans | 1.3932% | 984 |
| Credit loss provision to net charge-offs | 22.7920% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.7920% | 4,046 |
| Efficiency ratio | 72.7317% | 3,727 |
| Assets per employee ($millions) | 4.7676% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 7,155 |
| Loan loss allowance to noncurrent loans | 17.4809% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 5.2406% | 1,187 |
| Noncurrent loans to loans | 3.6609% | 2,026 |
| Net loans and leases to total assets | 78.7107% | 653 |
| Net loans and leases to deposits | 98.0062% | 571 |
| Net loans and leases to core deposits | 105.2351% | 979 |
| Total domestic deposits to total assets | 80.3119% | 5,863 |
| Equity capital to assets | 18.4094% | 343 |
| Core capital (leverage) ratio | 18.0383% | 333 |
| Tier 1 risk-based capital ratio | 27.3228% | 680 |
| Total risk-based capital ratio | 28.0942% | 703 |
| Memoranda: | ||
| Average total assets | $252,554,500 | 2,546 |
| Average earning assets | $231,511,500 | 2,528 |
| Average equity | $46,319,000 | 1,449 |
| Average total loans | $201,552,500 | 2,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1451% | 640 |
| Cost of funding earning assets | 2.3965% | 155 |
| Net interest margin | 3.7486% | 4,156 |
| Noninterest income to average assets | -0.1575% | 7,445 |
| Noninterest expense to average assets | 2.3094% | 6,332 |
| Loan and lease loss provision to assets | 1.7341% | 809 |
| Net operating income to assets | -0.4707% | 6,371 |
| Return on assets (ROA) | -0.4707% | 6,401 |
| Pretax return on assets | -0.7626% | 6,496 |
| Return on Equity (ROE) | -2.6479% | 6,242 |
| Retained earnings to average equity (ytd only) | -2.6479% | 6,061 |
| Net charge-offs to loans | 1.8230% | 1,153 |
| Credit loss provision to net charge-offs | 117.3197% | 3,648 |
| Earnings coverage of net charge-offs (x) | 0.6573% | 5,452 |
| Efficiency ratio | 70.3895% | 4,093 |
| Assets per employee ($millions) | 4.6746% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 6,730 |
| Loan loss allowance to noncurrent loans | 30.9625% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 4.5783% | 1,462 |
| Noncurrent loans to loans | 2.9029% | 2,623 |
| Net loans and leases to total assets | 79.6714% | 704 |
| Net loans and leases to deposits | 99.0027% | 644 |
| Net loans and leases to core deposits | 106.0348% | 1,186 |
| Total domestic deposits to total assets | 80.4740% | 5,694 |
| Equity capital to assets | 18.2710% | 356 |
| Core capital (leverage) ratio | 17.8534% | 336 |
| Tier 1 risk-based capital ratio | 26.6726% | 690 |
| Total risk-based capital ratio | 27.7577% | 691 |
| Memoranda: | ||
| Average total assets | $258,984,000 | 2,462 |
| Average earning assets | $237,553,400 | 2,450 |
| Average equity | $46,037,200 | 1,458 |
| Average total loans | $209,981,600 | 2,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1516% | 677 |
| Cost of funding earning assets | 2.5246% | 127 |
| Net interest margin | 3.6270% | 4,745 |
| Noninterest income to average assets | -0.2236% | 7,605 |
| Noninterest expense to average assets | 2.3175% | 6,264 |
| Loan and lease loss provision to assets | 1.9394% | 624 |
| Net operating income to assets | -0.7679% | 6,774 |
| Return on assets (ROA) | -0.7679% | 6,807 |
| Pretax return on assets | -1.1546% | 6,922 |
| Return on Equity (ROE) | -4.3491% | 6,596 |
| Retained earnings to average equity (ytd only) | -4.3491% | 6,501 |
| Net charge-offs to loans | 1.9608% | 973 |
| Credit loss provision to net charge-offs | 121.7405% | 3,378 |
| Earnings coverage of net charge-offs (x) | 0.4926% | 5,532 |
| Efficiency ratio | 74.7032% | 3,198 |
| Assets per employee ($millions) | 4.7794% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,781 |
| Loan loss allowance to noncurrent loans | 32.5022% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 4.6039% | 1,460 |
| Noncurrent loans to loans | 2.7330% | 2,907 |
| Net loans and leases to total assets | 80.9603% | 623 |
| Net loans and leases to deposits | 100.3518% | 634 |
| Net loans and leases to core deposits | 108.0029% | 1,162 |
| Total domestic deposits to total assets | 80.6764% | 5,486 |
| Equity capital to assets | 18.0962% | 410 |
| Core capital (leverage) ratio | 18.0962% | 343 |
| Tier 1 risk-based capital ratio | 26.7337% | 721 |
| Total risk-based capital ratio | 27.8057% | 713 |
| Memoranda: | ||
| Average total assets | $260,623,000 | 2,480 |
| Average earning assets | $238,976,750 | 2,478 |
| Average equity | $46,016,250 | 1,467 |
| Average total loans | $211,742,750 | 2,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2163% | 601 |
| Cost of funding earning assets | 2.4690% | 194 |
| Net interest margin | 3.7473% | 4,144 |
| Noninterest income to average assets | -0.3786% | 7,729 |
| Noninterest expense to average assets | 2.2314% | 6,566 |
| Loan and lease loss provision to assets | 1.7920% | 692 |
| Net operating income to assets | -0.9633% | 6,929 |
| Return on assets (ROA) | -0.9633% | 6,946 |
| Pretax return on assets | -0.9633% | 6,871 |
| Return on Equity (ROE) | -5.4997% | 6,740 |
| Retained earnings to average equity (ytd only) | -5.4997% | 6,611 |
| Net charge-offs to loans | 1.8486% | 1,006 |
| Credit loss provision to net charge-offs | 119.5233% | 3,404 |
| Earnings coverage of net charge-offs (x) | 0.5527% | 5,178 |
| Efficiency ratio | 72.9193% | 3,672 |
| Assets per employee ($millions) | 4.8390% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 7,190 |
| Loan loss allowance to noncurrent loans | 23.6862% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 4.7672% | 1,362 |
| Noncurrent loans to loans | 3.0787% | 2,611 |
| Net loans and leases to total assets | 80.5406% | 722 |
| Net loans and leases to deposits | 105.1554% | 435 |
| Net loans and leases to core deposits | 112.1915% | 1,025 |
| Total domestic deposits to total assets | 76.5920% | 6,586 |
| Equity capital to assets | 17.6321% | 454 |
| Core capital (leverage) ratio | 17.6321% | 386 |
| Tier 1 risk-based capital ratio | 25.9087% | 770 |
| Total risk-based capital ratio | 26.7781% | 791 |
| Memoranda: | ||
| Average total assets | $263,061,670 | 2,480 |
| Average earning assets | $241,398,000 | 2,465 |
| Average equity | $46,075,330 | 1,461 |
| Average total loans | $213,351,670 | 2,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 609 |
| Cost of funding earning assets | 2.5859% | 169 |
| Net interest margin | 3.6362% | 4,554 |
| Noninterest income to average assets | -0.8790% | 7,895 |
| Noninterest expense to average assets | 2.2884% | 6,408 |
| Loan and lease loss provision to assets | 2.6931% | 382 |
| Net operating income to assets | -2.5339% | 7,563 |
| Return on assets (ROA) | -2.5339% | 7,564 |
| Pretax return on assets | -2.5339% | 7,519 |
| Return on Equity (ROE) | -14.5151% | 7,299 |
| Retained earnings to average equity (ytd only) | -14.5151% | 7,189 |
| Net charge-offs to loans | 2.5530% | 636 |
| Credit loss provision to net charge-offs | 130.0878% | 2,714 |
| Earnings coverage of net charge-offs (x) | 0.0769% | 4,967 |
| Efficiency ratio | 93.4985% | 1,169 |
| Assets per employee ($millions) | 4.9292% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 7,266 |
| Loan loss allowance to noncurrent loans | 24.6627% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 5.6682% | 1,078 |
| Noncurrent loans to loans | 3.0118% | 2,661 |
| Net loans and leases to total assets | 80.4073% | 781 |
| Net loans and leases to deposits | 104.7085% | 483 |
| Net loans and leases to core deposits | 112.8936% | 1,107 |
| Total domestic deposits to total assets | 76.7915% | 6,598 |
| Equity capital to assets | 17.4813% | 476 |
| Core capital (leverage) ratio | 17.4813% | 407 |
| Tier 1 risk-based capital ratio | 25.3656% | 827 |
| Total risk-based capital ratio | 26.2387% | 845 |
| Memoranda: | ||
| Average total assets | $263,938,500 | 2,527 |
| Average earning assets | $241,459,500 | 2,521 |
| Average equity | $46,076,000 | 1,461 |
| Average total loans | $214,025,000 | 2,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9289% | 2,134 |
| Cost of funding earning assets | 2.9957% | 235 |
| Net interest margin | 2.9332% | 6,795 |
| Noninterest income to average assets | 0.1275% | 7,112 |
| Noninterest expense to average assets | 2.2066% | 6,975 |
| Loan and lease loss provision to assets | 0.8606% | 2,585 |
| Net operating income to assets | -0.2748% | 5,937 |
| Return on assets (ROA) | -0.2748% | 5,935 |
| Pretax return on assets | -0.2431% | 5,758 |
| Return on Equity (ROE) | -1.5713% | 5,791 |
| Retained earnings to average equity (ytd only) | -1.5713% | 5,409 |
| Net charge-offs to loans | 1.1699% | 2,091 |
| Credit loss provision to net charge-offs | 88.9403% | 6,044 |
| Earnings coverage of net charge-offs (x) | 0.6382% | 5,457 |
| Efficiency ratio | 78.1357% | 3,171 |
| Assets per employee ($millions) | 5.0308% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5360% | 7,637 |
| Loan loss allowance to noncurrent loans | 18.1761% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 5.0838% | 1,200 |
| Noncurrent loans to loans | 2.9489% | 2,609 |
| Net loans and leases to total assets | 80.7322% | 874 |
| Net loans and leases to deposits | 107.5704% | 479 |
| Net loans and leases to core deposits | 151.8918% | 463 |
| Total domestic deposits to total assets | 75.0506% | 6,854 |
| Equity capital to assets | 17.4334% | 513 |
| Core capital (leverage) ratio | 17.4334% | 441 |
| Tier 1 risk-based capital ratio | 24.7582% | 871 |
| Total risk-based capital ratio | 25.3760% | 912 |
| Memoranda: | ||
| Average total assets | $268,199,400 | 2,439 |
| Average earning assets | $246,557,000 | 2,438 |
| Average equity | $46,904,800 | 1,437 |
| Average total loans | $221,822,600 | 2,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9460% | 2,246 |
| Cost of funding earning assets | 3.0639% | 269 |
| Net interest margin | 2.8821% | 6,893 |
| Noninterest income to average assets | 0.2065% | 6,747 |
| Noninterest expense to average assets | 2.2522% | 6,834 |
| Loan and lease loss provision to assets | 0.9223% | 2,083 |
| Net operating income to assets | -0.2889% | 6,184 |
| Return on assets (ROA) | -0.2889% | 6,197 |
| Pretax return on assets | -0.3167% | 6,115 |
| Return on Equity (ROE) | -1.6507% | 6,043 |
| Retained earnings to average equity (ytd only) | -1.6507% | 5,643 |
| Net charge-offs to loans | 1.2731% | 1,614 |
| Credit loss provision to net charge-offs | 87.1891% | 5,560 |
| Earnings coverage of net charge-offs (x) | 0.5725% | 5,462 |
| Efficiency ratio | 78.8084% | 3,032 |
| Assets per employee ($millions) | 4.9561% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5360% | 7,665 |
| Loan loss allowance to noncurrent loans | 24.5658% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 4.4793% | 1,371 |
| Noncurrent loans to loans | 2.1819% | 3,403 |
| Net loans and leases to total assets | 81.4031% | 915 |
| Net loans and leases to deposits | 108.2970% | 542 |
| Net loans and leases to core deposits | 152.2230% | 534 |
| Total domestic deposits to total assets | 75.1666% | 6,740 |
| Equity capital to assets | 17.4262% | 570 |
| Core capital (leverage) ratio | 17.4262% | 507 |
| Tier 1 risk-based capital ratio | 25.0731% | 891 |
| Total risk-based capital ratio | 25.7043% | 937 |
| Memoranda: | ||
| Average total assets | $268,591,250 | 2,444 |
| Average earning assets | $247,083,250 | 2,449 |
| Average equity | $47,010,250 | 1,457 |
| Average total loans | $223,173,750 | 2,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9706% | 2,295 |
| Cost of funding earning assets | 3.1333% | 318 |
| Net interest margin | 2.8373% | 6,940 |
| Noninterest income to average assets | 0.1897% | 6,937 |
| Noninterest expense to average assets | 2.2632% | 6,875 |
| Loan and lease loss provision to assets | 0.7028% | 2,321 |
| Net operating income to assets | -0.1227% | 6,051 |
| Return on assets (ROA) | -0.1227% | 6,086 |
| Pretax return on assets | -0.1673% | 6,083 |
| Return on Equity (ROE) | -0.7001% | 6,029 |
| Retained earnings to average equity (ytd only) | -0.7001% | 5,400 |
| Net charge-offs to loans | 0.7375% | 2,203 |
| Credit loss provision to net charge-offs | 114.1304% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.8696% | 4,880 |
| Efficiency ratio | 80.8663% | 2,908 |
| Assets per employee ($millions) | 5.0776% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 7,401 |
| Loan loss allowance to noncurrent loans | 38.3652% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 4.3468% | 1,325 |
| Noncurrent loans to loans | 1.8468% | 3,740 |
| Net loans and leases to total assets | 81.3927% | 1,073 |
| Net loans and leases to deposits | 108.3933% | 632 |
| Net loans and leases to core deposits | 151.1048% | 626 |
| Total domestic deposits to total assets | 75.0902% | 6,747 |
| Equity capital to assets | 17.4851% | 606 |
| Core capital (leverage) ratio | 17.4851% | 562 |
| Tier 1 risk-based capital ratio | 24.9049% | 949 |
| Total risk-based capital ratio | 25.7321% | 970 |
| Memoranda: | ||
| Average total assets | $268,911,330 | 2,451 |
| Average earning assets | $247,277,670 | 2,461 |
| Average equity | $47,134,330 | 1,463 |
| Average total loans | $224,553,670 | 2,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0266% | 2,247 |
| Cost of funding earning assets | 3.2065% | 336 |
| Net interest margin | 2.8201% | 6,953 |
| Noninterest income to average assets | 0.0982% | 7,551 |
| Noninterest expense to average assets | 2.1904% | 6,896 |
| Loan and lease loss provision to assets | 0.1176% | 5,465 |
| Net operating income to assets | 0.4747% | 4,543 |
| Return on assets (ROA) | 0.4747% | 4,734 |
| Pretax return on assets | 0.3854% | 5,442 |
| Return on Equity (ROE) | 2.7049% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.7049% | 4,381 |
| Net charge-offs to loans | 0.5756% | 2,025 |
| Credit loss provision to net charge-offs | 24.2331% | 5,021 |
| Earnings coverage of net charge-offs (x) | 1.0368% | 4,245 |
| Efficiency ratio | 81.3260% | 2,638 |
| Assets per employee ($millions) | 5.1567% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5351% | 7,774 |
| Loan loss allowance to noncurrent loans | 24.6553% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 4.4057% | 1,101 |
| Noncurrent loans to loans | 2.1702% | 3,024 |
| Net loans and leases to total assets | 81.4851% | 1,106 |
| Net loans and leases to deposits | 108.1135% | 718 |
| Net loans and leases to core deposits | 150.0485% | 703 |
| Total domestic deposits to total assets | 75.3699% | 6,634 |
| Equity capital to assets | 17.3942% | 682 |
| Core capital (leverage) ratio | 17.3942% | 608 |
| Tier 1 risk-based capital ratio | 24.5821% | 1,015 |
| Total risk-based capital ratio | 25.2015% | 1,060 |
| Memoranda: | ||
| Average total assets | $268,809,500 | 2,477 |
| Average earning assets | $247,370,000 | 2,473 |
| Average equity | $47,174,000 | 1,462 |
| Average total loans | $226,529,000 | 2,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2355% | 4,325 |
| Cost of funding earning assets | 3.4173% | 680 |
| Net interest margin | 2.8182% | 7,300 |
| Noninterest income to average assets | 0.3387% | 6,029 |
| Noninterest expense to average assets | 2.2012% | 6,960 |
| Loan and lease loss provision to assets | 1.0406% | 1,411 |
| Net operating income to assets | -0.3643% | 6,787 |
| Return on assets (ROA) | -0.3643% | 6,659 |
| Pretax return on assets | -0.2517% | 6,411 |
| Return on Equity (ROE) | -2.0069% | 6,501 |
| Retained earnings to average equity (ytd only) | -2.0069% | 5,869 |
| Net charge-offs to loans | 1.2638% | 946 |
| Credit loss provision to net charge-offs | 94.5524% | 5,557 |
| Earnings coverage of net charge-offs (x) | 0.7169% | 5,795 |
| Efficiency ratio | 73.6143% | 3,643 |
| Assets per employee ($millions) | 4.8947% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 7,610 |
| Loan loss allowance to noncurrent loans | 24.0553% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 4.6868% | 778 |
| Noncurrent loans to loans | 2.6213% | 2,066 |
| Net loans and leases to total assets | 86.1521% | 586 |
| Net loans and leases to deposits | 115.1770% | 561 |
| Net loans and leases to core deposits | 156.9579% | 645 |
| Total domestic deposits to total assets | 74.7998% | 6,497 |
| Equity capital to assets | 17.7096% | 690 |
| Core capital (leverage) ratio | 17.7096% | 634 |
| Tier 1 risk-based capital ratio | 23.8975% | 1,099 |
| Total risk-based capital ratio | 24.6352% | 1,127 |
| Memoranda: | ||
| Average total assets | $261,856,600 | 2,451 |
| Average earning assets | $246,364,400 | 2,398 |
| Average equity | $47,537,000 | 1,440 |
| Average total loans | $228,047,200 | 2,061 |