Home > Beneficial State Bank > Performance and Condition Ratios
Beneficial State 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 | 4.9158% | 2,241 |
| Cost of funding earning assets | 0.9833% | 3,331 |
| Net interest margin | 3.9324% | 1,312 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.4913% | 582 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 0.4050% | 3,857 |
| Return on assets (ROA) | 0.3943% | 3,874 |
| Pretax return on assets | 0.5485% | 3,724 |
| Return on Equity (ROE) | 4.7400% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.5261% | 2,781 |
| Net charge-offs to loans | 0.9634% | 110 |
| Credit loss provision to net charge-offs | 68.9045% | 2,095 |
| Earnings coverage of net charge-offs (x) | 1.4649% | 2,758 |
| Efficiency ratio | 78.4182% | 1,034 |
| Assets per employee ($millions) | 6.7633% | 2,234 |
| Cash dividends to net income (ytd only)* | 4.5130% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 258 |
| Loan loss allowance to noncurrent loans | 137.4399% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 393 |
| Noncurrent loans to loans | 1.6436% | 389 |
| Net loans and leases to total assets | 68.2000% | 2,014 |
| Net loans and leases to deposits | 80.2811% | 2,079 |
| Net loans and leases to core deposits | 91.3304% | 1,962 |
| Total domestic deposits to total assets | 84.9600% | 2,326 |
| Equity capital to assets | 9.1656% | 2,566 |
| Core capital (leverage) ratio | 11.9571% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,775,818,000 | 632 |
| Average earning assets | $1,682,218,200 | 612 |
| Average equity | $147,721,200 | 676 |
| Average total loans | $1,209,035,600 | 628 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 2,238 |
| Cost of funding earning assets | 0.8639% | 3,364 |
| Net interest margin | 3.9444% | 1,314 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 3.4432% | 592 |
| Loan and lease loss provision to assets | 0.4500% | 176 |
| Net operating income to assets | 0.5047% | 3,756 |
| Return on assets (ROA) | 0.4873% | 3,792 |
| Pretax return on assets | 0.6804% | 3,589 |
| Return on Equity (ROE) | 6.0200% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.0154% | 2,631 |
| Net charge-offs to loans | 0.9251% | 98 |
| Credit loss provision to net charge-offs | 72.1659% | 1,795 |
| Earnings coverage of net charge-offs (x) | 1.8442% | 2,511 |
| Efficiency ratio | 74.8962% | 1,277 |
| Assets per employee ($millions) | 6.9331% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4243% | 219 |
| Loan loss allowance to noncurrent loans | 144.7566% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 399 |
| Noncurrent loans to loans | 1.6747% | 404 |
| Net loans and leases to total assets | 67.2500% | 2,133 |
| Net loans and leases to deposits | 77.1160% | 2,321 |
| Net loans and leases to core deposits | 78.7474% | 2,694 |
| Total domestic deposits to total assets | 87.2000% | 1,828 |
| Equity capital to assets | 8.6155% | 2,656 |
| Core capital (leverage) ratio | 12.0375% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,766,630,250 | 633 |
| Average earning assets | $1,672,169,000 | 617 |
| Average equity | $143,118,500 | 691 |
| Average total loans | $1,195,096,000 | 627 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 2,272 |
| Cost of funding earning assets | 0.7300% | 3,407 |
| Net interest margin | 3.9365% | 1,355 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 3.0676% | 942 |
| Loan and lease loss provision to assets | 0.6000% | 120 |
| Net operating income to assets | 0.2982% | 4,159 |
| Return on assets (ROA) | 0.2757% | 4,224 |
| Pretax return on assets | 0.3779% | 4,148 |
| Return on Equity (ROE) | 3.4800% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.4778% | 3,359 |
| Net charge-offs to loans | 0.8355% | 102 |
| Credit loss provision to net charge-offs | 106.2551% | 1,399 |
| Earnings coverage of net charge-offs (x) | 1.7862% | 2,351 |
| Efficiency ratio | 75.3575% | 1,232 |
| Assets per employee ($millions) | 6.8327% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6716% | 178 |
| Loan loss allowance to noncurrent loans | 155.6833% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 341 |
| Noncurrent loans to loans | 1.7160% | 358 |
| Net loans and leases to total assets | 67.4300% | 2,021 |
| Net loans and leases to deposits | 77.7396% | 2,156 |
| Net loans and leases to core deposits | 80.1668% | 2,463 |
| Total domestic deposits to total assets | 86.7400% | 2,012 |
| Equity capital to assets | 9.0227% | 2,504 |
| Core capital (leverage) ratio | 11.8570% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,759,264,000 | 624 |
| Average earning assets | $1,667,157,000 | 607 |
| Average equity | $139,455,333 | 703 |
| Average total loans | $1,182,550,333 | 622 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 2,299 |
| Cost of funding earning assets | 0.5342% | 3,580 |
| Net interest margin | 3.9743% | 1,318 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.0943% | 946 |
| Loan and lease loss provision to assets | 0.7000% | 98 |
| Net operating income to assets | 0.2070% | 4,349 |
| Return on assets (ROA) | 0.1645% | 4,363 |
| Pretax return on assets | 0.2213% | 4,318 |
| Return on Equity (ROE) | 2.2300% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.2283% | 3,663 |
| Net charge-offs to loans | 1.0344% | 75 |
| Credit loss provision to net charge-offs | 102.6875% | 1,098 |
| Earnings coverage of net charge-offs (x) | 1.4287% | 1,969 |
| Efficiency ratio | 75.9817% | 1,167 |
| Assets per employee ($millions) | 7.0966% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6900% | 183 |
| Loan loss allowance to noncurrent loans | 220.2102% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 585 |
| Noncurrent loans to loans | 1.2216% | 565 |
| Net loans and leases to total assets | 64.7700% | 2,173 |
| Net loans and leases to deposits | 74.2975% | 2,275 |
| Net loans and leases to core deposits | 76.4026% | 2,496 |
| Total domestic deposits to total assets | 87.1800% | 2,200 |
| Equity capital to assets | 8.9301% | 2,569 |
| Core capital (leverage) ratio | 12.0760% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,760,897,000 | 636 |
| Average earning assets | $1,669,728,500 | 618 |
| Average equity | $129,964,000 | 761 |
| Average total loans | $1,165,531,500 | 638 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 1,963 |
| Cost of funding earning assets | 0.1838% | 3,880 |
| Net interest margin | 3.7240% | 1,328 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.9320% | 1,076 |
| Loan and lease loss provision to assets | 0.7400% | 65 |
| Net operating income to assets | 0.4056% | 4,236 |
| Return on assets (ROA) | 0.3987% | 4,206 |
| Pretax return on assets | 0.5143% | 4,157 |
| Return on Equity (ROE) | 6.2300% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.9239% | 2,673 |
| Net charge-offs to loans | 0.5203% | 137 |
| Credit loss provision to net charge-offs | 228.7977% | 1,044 |
| Earnings coverage of net charge-offs (x) | 3.9046% | 2,445 |
| Efficiency ratio | 69.8856% | 1,699 |
| Assets per employee ($millions) | 7.1612% | 1,855 |
| Cash dividends to net income (ytd only)* | 4.8947% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 401 |
| Loan loss allowance to noncurrent loans | 152.0688% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 510 |
| Noncurrent loans to loans | 1.3405% | 511 |
| Net loans and leases to total assets | 64.5400% | 2,192 |
| Net loans and leases to deposits | 69.4460% | 2,629 |
| Net loans and leases to core deposits | 71.2708% | 2,776 |
| Total domestic deposits to total assets | 92.9300% | 421 |
| Equity capital to assets | 5.7578% | 4,168 |
| Core capital (leverage) ratio | 9.2956% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,619,425,000 | 669 |
| Average earning assets | $1,545,397,600 | 638 |
| Average equity | $103,648,800 | 922 |
| Average total loans | $1,007,079,400 | 676 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 1,886 |
| Cost of funding earning assets | 0.1238% | 4,094 |
| Net interest margin | 3.6273% | 1,326 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.8864% | 1,081 |
| Loan and lease loss provision to assets | 0.7600% | 61 |
| Net operating income to assets | 0.3328% | 4,341 |
| Return on assets (ROA) | 0.3231% | 4,309 |
| Pretax return on assets | 0.4360% | 4,227 |
| Return on Equity (ROE) | 4.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.9149% | 3,130 |
| Net charge-offs to loans | 0.3546% | 177 |
| Credit loss provision to net charge-offs | 352.4085% | 745 |
| Earnings coverage of net charge-offs (x) | 5.5904% | 2,140 |
| Efficiency ratio | 70.4108% | 1,709 |
| Assets per employee ($millions) | 7.3377% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1224% | 392 |
| Loan loss allowance to noncurrent loans | 143.6229% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 462 |
| Noncurrent loans to loans | 1.4778% | 481 |
| Net loans and leases to total assets | 64.4900% | 2,037 |
| Net loans and leases to deposits | 68.7441% | 2,479 |
| Net loans and leases to core deposits | 70.5740% | 2,599 |
| Total domestic deposits to total assets | 93.8100% | 391 |
| Equity capital to assets | 5.1762% | 4,243 |
| Core capital (leverage) ratio | 9.0792% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,594,607,500 | 676 |
| Average earning assets | $1,525,251,500 | 653 |
| Average equity | $104,821,250 | 929 |
| Average total loans | $975,775,750 | 696 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 1,572 |
| Cost of funding earning assets | 0.1062% | 4,123 |
| Net interest margin | 3.5783% | 1,107 |
| Noninterest income to average assets | 0.6764% | 1,439 |
| Noninterest expense to average assets | 2.8210% | 1,135 |
| Loan and lease loss provision to assets | 0.3733% | 155 |
| Net operating income to assets | 0.6716% | 3,410 |
| Return on assets (ROA) | 0.6622% | 3,384 |
| Pretax return on assets | 0.9058% | 3,046 |
| Return on Equity (ROE) | 9.3859% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.3859% | 1,179 |
| Net charge-offs to loans | 0.1584% | 403 |
| Credit loss provision to net charge-offs | 395.4424% | 704 |
| Earnings coverage of net charge-offs (x) | 13.6769% | 1,682 |
| Efficiency ratio | 68.6052% | 2,157 |
| Assets per employee ($millions) | 7.6094% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 626 |
| Loan loss allowance to noncurrent loans | 117.0582% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 424 |
| Noncurrent loans to loans | 1.6469% | 432 |
| Net loans and leases to total assets | 58.1755% | 2,515 |
| Net loans and leases to deposits | 62.6477% | 2,839 |
| Net loans and leases to core deposits | 63.7119% | 2,994 |
| Total domestic deposits to total assets | 92.8614% | 550 |
| Equity capital to assets | 6.3986% | 4,059 |
| Core capital (leverage) ratio | 9.3820% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,580,705,000 | 671 |
| Average earning assets | $1,517,643,333 | 653 |
| Average equity | $111,528,667 | 894 |
| Average total loans | $941,668,667 | 705 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7022% | 1,266 |
| Cost of funding earning assets | 0.1037% | 4,089 |
| Net interest margin | 3.5985% | 896 |
| Noninterest income to average assets | 0.4713% | 2,293 |
| Noninterest expense to average assets | 2.7965% | 1,166 |
| Loan and lease loss provision to assets | 0.6205% | 69 |
| Net operating income to assets | 0.3880% | 3,978 |
| Return on assets (ROA) | 0.3773% | 3,967 |
| Pretax return on assets | 0.5103% | 3,854 |
| Return on Equity (ROE) | 5.1006% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.1006% | 2,555 |
| Net charge-offs to loans | 0.1202% | 455 |
| Credit loss provision to net charge-offs | 864.6429% | 375 |
| Earnings coverage of net charge-offs (x) | 15.9464% | 1,342 |
| Efficiency ratio | 70.9612% | 2,106 |
| Assets per employee ($millions) | 7.6201% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9604% | 668 |
| Loan loss allowance to noncurrent loans | 110.5770% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 444 |
| Noncurrent loans to loans | 1.7729% | 438 |
| Net loans and leases to total assets | 59.7213% | 2,092 |
| Net loans and leases to deposits | 64.8130% | 2,455 |
| Net loans and leases to core deposits | 66.5375% | 2,579 |
| Total domestic deposits to total assets | 92.1441% | 520 |
| Equity capital to assets | 6.6812% | 4,351 |
| Core capital (leverage) ratio | 8.6350% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,560,655,000 | 678 |
| Average earning assets | $1,504,747,000 | 662 |
| Average equity | $115,438,500 | 890 |
| Average total loans | $931,779,500 | 703 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 1,316 |
| Cost of funding earning assets | 0.1349% | 4,115 |
| Net interest margin | 3.8838% | 865 |
| Noninterest income to average assets | 0.5378% | 2,406 |
| Noninterest expense to average assets | 2.8506% | 1,246 |
| Loan and lease loss provision to assets | -0.0824% | 4,484 |
| Net operating income to assets | 1.0948% | 2,314 |
| Return on assets (ROA) | 1.0924% | 2,394 |
| Pretax return on assets | 1.5074% | 1,698 |
| Return on Equity (ROE) | 12.6746% | 1,578 |
| Retained earnings to average equity (ytd only) | 12.2693% | 505 |
| Net charge-offs to loans | 0.0206% | 1,859 |
| Credit loss provision to net charge-offs | -592.9648% | 3,790 |
| Earnings coverage of net charge-offs (x) | 102.7186% | 868 |
| Efficiency ratio | 66.6258% | 2,177 |
| Assets per employee ($millions) | 8.0740% | 1,295 |
| Cash dividends to net income (ytd only)* | 3.1973% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 913 |
| Loan loss allowance to noncurrent loans | 106.8708% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 582 |
| Noncurrent loans to loans | 1.6588% | 518 |
| Net loans and leases to total assets | 57.4771% | 2,430 |
| Net loans and leases to deposits | 64.2956% | 2,665 |
| Net loans and leases to core deposits | 66.0472% | 2,816 |
| Total domestic deposits to total assets | 89.3950% | 1,301 |
| Equity capital to assets | 8.0999% | 4,307 |
| Core capital (leverage) ratio | 8.7569% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,431,505,800 | 705 |
| Average earning assets | $1,378,763,800 | 688 |
| Average equity | $123,381,000 | 838 |
| Average total loans | $964,126,800 | 678 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 1,388 |
| Cost of funding earning assets | 0.1436% | 4,167 |
| Net interest margin | 3.9214% | 900 |
| Noninterest income to average assets | 0.6048% | 2,203 |
| Noninterest expense to average assets | 2.7843% | 1,377 |
| Loan and lease loss provision to assets | -0.0727% | 4,528 |
| Net operating income to assets | 1.2139% | 2,121 |
| Return on assets (ROA) | 1.2123% | 2,181 |
| Pretax return on assets | 1.6643% | 1,506 |
| Return on Equity (ROE) | 13.8305% | 1,436 |
| Retained earnings to average equity (ytd only) | 13.8305% | 524 |
| Net charge-offs to loans | -0.0021% | 3,223 |
| Credit loss provision to net charge-offs | 5,073.3333% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5989% | 2,450 |
| Assets per employee ($millions) | 7.5957% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 815 |
| Loan loss allowance to noncurrent loans | 99.2221% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 536 |
| Noncurrent loans to loans | 1.8819% | 488 |
| Net loans and leases to total assets | 59.5851% | 2,315 |
| Net loans and leases to deposits | 68.1789% | 2,422 |
| Net loans and leases to core deposits | 70.2626% | 2,572 |
| Total domestic deposits to total assets | 87.3952% | 2,162 |
| Equity capital to assets | 8.5268% | 4,192 |
| Core capital (leverage) ratio | 8.9616% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,395,774,250 | 726 |
| Average earning assets | $1,343,022,750 | 705 |
| Average equity | $122,344,500 | 858 |
| Average total loans | $974,841,000 | 689 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 1,507 |
| Cost of funding earning assets | 0.1539% | 4,177 |
| Net interest margin | 3.8730% | 1,023 |
| Noninterest income to average assets | 0.3484% | 3,367 |
| Noninterest expense to average assets | 2.8457% | 1,261 |
| Loan and lease loss provision to assets | -0.2337% | 4,789 |
| Net operating income to assets | 1.0630% | 2,671 |
| Return on assets (ROA) | 1.0613% | 2,750 |
| Pretax return on assets | 1.4541% | 2,157 |
| Return on Equity (ROE) | 11.9888% | 2,073 |
| Retained earnings to average equity (ytd only) | 11.9888% | 922 |
| Net charge-offs to loans | 0.0064% | 1,911 |
| Credit loss provision to net charge-offs | -4,975.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | 260.1875% | 422 |
| Efficiency ratio | 69.9520% | 1,644 |
| Assets per employee ($millions) | 7.6656% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 1,089 |
| Loan loss allowance to noncurrent loans | 163.9254% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 1,226 |
| Noncurrent loans to loans | 1.0302% | 1,189 |
| Net loans and leases to total assets | 64.2981% | 1,914 |
| Net loans and leases to deposits | 74.5421% | 1,947 |
| Net loans and leases to core deposits | 76.9852% | 2,139 |
| Total domestic deposits to total assets | 86.2575% | 2,646 |
| Equity capital to assets | 8.5427% | 4,166 |
| Core capital (leverage) ratio | 9.1930% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,362,247,667 | 737 |
| Average earning assets | $1,308,339,333 | 718 |
| Average equity | $120,595,667 | 866 |
| Average total loans | $996,931,667 | 675 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 1,872 |
| Cost of funding earning assets | 0.1730% | 4,138 |
| Net interest margin | 3.7101% | 1,313 |
| Noninterest income to average assets | 0.4830% | 2,684 |
| Noninterest expense to average assets | 2.9457% | 1,071 |
| Loan and lease loss provision to assets | -0.0703% | 4,684 |
| Net operating income to assets | 0.8522% | 3,265 |
| Return on assets (ROA) | 0.8489% | 3,352 |
| Pretax return on assets | 1.1582% | 2,956 |
| Return on Equity (ROE) | 9.4066% | 2,890 |
| Retained earnings to average equity (ytd only) | 9.4066% | 1,825 |
| Net charge-offs to loans | 0.0133% | 1,478 |
| Credit loss provision to net charge-offs | -679.4118% | 3,247 |
| Earnings coverage of net charge-offs (x) | 105.6176% | 601 |
| Efficiency ratio | 72.9512% | 1,412 |
| Assets per employee ($millions) | 7.3718% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 1,136 |
| Loan loss allowance to noncurrent loans | 173.1884% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 1,267 |
| Noncurrent loans to loans | 0.9606% | 1,410 |
| Net loans and leases to total assets | 74.8098% | 735 |
| Net loans and leases to deposits | 86.8223% | 901 |
| Net loans and leases to core deposits | 89.6989% | 1,252 |
| Total domestic deposits to total assets | 86.1643% | 2,674 |
| Equity capital to assets | 8.5866% | 4,056 |
| Core capital (leverage) ratio | 9.2939% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,315,139,500 | 758 |
| Average earning assets | $1,260,138,500 | 734 |
| Average equity | $118,683,000 | 873 |
| Average total loans | $1,019,115,000 | 666 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 1,305 |
| Cost of funding earning assets | 0.4192% | 3,466 |
| Net interest margin | 4.0843% | 812 |
| Noninterest income to average assets | 0.5488% | 2,427 |
| Noninterest expense to average assets | 4.8737% | 204 |
| Loan and lease loss provision to assets | 0.2930% | 1,294 |
| Net operating income to assets | -0.7558% | 4,902 |
| Return on assets (ROA) | -0.5599% | 4,894 |
| Pretax return on assets | -0.5559% | 4,886 |
| Return on Equity (ROE) | -5.4304% | 4,899 |
| Retained earnings to average equity (ytd only) | -5.4304% | 4,842 |
| Net charge-offs to loans | 0.1915% | 889 |
| Credit loss provision to net charge-offs | 201.3041% | 2,155 |
| Earnings coverage of net charge-offs (x) | -3.1517% | 3,372 |
| Efficiency ratio | 93.2709% | 288 |
| Assets per employee ($millions) | 6.9036% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 877 |
| Loan loss allowance to noncurrent loans | 168.5799% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 1,193 |
| Noncurrent loans to loans | 1.0617% | 1,339 |
| Net loans and leases to total assets | 77.7725% | 619 |
| Net loans and leases to deposits | 87.0183% | 1,173 |
| Net loans and leases to core deposits | 90.2220% | 1,509 |
| Total domestic deposits to total assets | 89.3748% | 818 |
| Equity capital to assets | 9.3463% | 3,745 |
| Core capital (leverage) ratio | 9.1688% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,158,928,200 | 770 |
| Average earning assets | $1,097,034,000 | 751 |
| Average equity | $119,495,000 | 825 |
| Average total loans | $880,857,800 | 729 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 1,442 |
| Cost of funding earning assets | 0.4727% | 3,409 |
| Net interest margin | 4.0816% | 929 |
| Noninterest income to average assets | 0.5656% | 2,324 |
| Noninterest expense to average assets | 5.2531% | 170 |
| Loan and lease loss provision to assets | 0.3562% | 1,059 |
| Net operating income to assets | -1.1418% | 4,952 |
| Return on assets (ROA) | -0.8858% | 4,943 |
| Pretax return on assets | -0.9206% | 4,937 |
| Return on Equity (ROE) | -8.3755% | 4,950 |
| Retained earnings to average equity (ytd only) | -8.3755% | 4,905 |
| Net charge-offs to loans | 0.1860% | 801 |
| Credit loss provision to net charge-offs | 254.8279% | 1,907 |
| Earnings coverage of net charge-offs (x) | -5.9479% | 3,192 |
| Efficiency ratio | 96.3008% | 219 |
| Assets per employee ($millions) | 6.1911% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 649 |
| Loan loss allowance to noncurrent loans | 185.6533% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 1,440 |
| Noncurrent loans to loans | 0.9962% | 1,501 |
| Net loans and leases to total assets | 78.8481% | 732 |
| Net loans and leases to deposits | 91.7574% | 1,098 |
| Net loans and leases to core deposits | 95.3603% | 1,517 |
| Total domestic deposits to total assets | 85.9310% | 2,098 |
| Equity capital to assets | 9.6092% | 3,596 |
| Core capital (leverage) ratio | 9.3258% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,136,273,000 | 777 |
| Average earning assets | $1,073,547,000 | 753 |
| Average equity | $120,172,250 | 816 |
| Average total loans | $853,693,250 | 742 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 1,734 |
| Cost of funding earning assets | 0.5394% | 3,297 |
| Net interest margin | 4.0272% | 1,260 |
| Noninterest income to average assets | 0.7687% | 1,528 |
| Noninterest expense to average assets | 3.9149% | 449 |
| Loan and lease loss provision to assets | 0.6368% | 473 |
| Net operating income to assets | 0.0237% | 4,758 |
| Return on assets (ROA) | 0.0275% | 4,776 |
| Pretax return on assets | 0.0108% | 4,783 |
| Return on Equity (ROE) | 0.2513% | 4,773 |
| Retained earnings to average equity (ytd only) | 0.2513% | 4,260 |
| Net charge-offs to loans | 0.3414% | 474 |
| Credit loss provision to net charge-offs | 254.5911% | 1,739 |
| Earnings coverage of net charge-offs (x) | 2.5739% | 2,759 |
| Efficiency ratio | 85.7283% | 550 |
| Assets per employee ($millions) | 5.5332% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9186% | 513 |
| Loan loss allowance to noncurrent loans | 179.8158% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 1,525 |
| Noncurrent loans to loans | 1.0670% | 1,453 |
| Net loans and leases to total assets | 74.8831% | 1,291 |
| Net loans and leases to deposits | 89.8532% | 1,365 |
| Net loans and leases to core deposits | 93.5013% | 1,788 |
| Total domestic deposits to total assets | 83.3394% | 2,977 |
| Equity capital to assets | 10.0118% | 3,194 |
| Core capital (leverage) ratio | 9.4998% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,114,674,333 | 780 |
| Average earning assets | $1,049,009,000 | 759 |
| Average equity | $121,758,667 | 793 |
| Average total loans | $816,636,000 | 760 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 1,891 |
| Cost of funding earning assets | 0.6350% | 3,246 |
| Net interest margin | 4.0012% | 1,394 |
| Noninterest income to average assets | 0.6071% | 2,011 |
| Noninterest expense to average assets | 3.9852% | 516 |
| Loan and lease loss provision to assets | 0.8348% | 285 |
| Net operating income to assets | -0.2976% | 4,889 |
| Return on assets (ROA) | -0.2976% | 4,861 |
| Pretax return on assets | -0.4455% | 4,878 |
| Return on Equity (ROE) | -2.5972% | 4,859 |
| Retained earnings to average equity (ytd only) | -2.5972% | 4,308 |
| Net charge-offs to loans | 0.3251% | 447 |
| Credit loss provision to net charge-offs | 359.4108% | 1,069 |
| Earnings coverage of net charge-offs (x) | 1.6759% | 2,358 |
| Efficiency ratio | 90.9367% | 461 |
| Assets per employee ($millions) | 4.7680% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3036% | 327 |
| Loan loss allowance to noncurrent loans | 225.0416% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 1,840 |
| Noncurrent loans to loans | 1.0236% | 1,624 |
| Net loans and leases to total assets | 69.8368% | 2,277 |
| Net loans and leases to deposits | 85.5435% | 2,052 |
| Net loans and leases to core deposits | 89.6384% | 2,380 |
| Total domestic deposits to total assets | 81.6389% | 3,514 |
| Equity capital to assets | 11.3322% | 2,561 |
| Core capital (leverage) ratio | 10.6583% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,052,289,000 | 789 |
| Average earning assets | $990,801,000 | 762 |
| Average equity | $120,592,500 | 794 |
| Average total loans | $751,808,500 | 790 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 1,175 |
| Cost of funding earning assets | 0.8361% | 2,505 |
| Net interest margin | 4.2847% | 1,125 |
| Noninterest income to average assets | 0.5184% | 2,636 |
| Noninterest expense to average assets | 4.1461% | 447 |
| Loan and lease loss provision to assets | 0.1635% | 1,276 |
| Net operating income to assets | 0.2411% | 4,807 |
| Return on assets (ROA) | 0.2411% | 4,829 |
| Pretax return on assets | 0.2511% | 4,853 |
| Return on Equity (ROE) | 2.1152% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.1152% | 3,941 |
| Net charge-offs to loans | 0.3326% | 624 |
| Credit loss provision to net charge-offs | 67.3169% | 2,944 |
| Earnings coverage of net charge-offs (x) | 1.7066% | 3,505 |
| Efficiency ratio | 90.7502% | 324 |
| Assets per employee ($millions) | 4.7115% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 354 |
| Loan loss allowance to noncurrent loans | 220.4740% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 1,846 |
| Noncurrent loans to loans | 0.9806% | 1,556 |
| Net loans and leases to total assets | 69.8617% | 2,422 |
| Net loans and leases to deposits | 86.8323% | 1,989 |
| Net loans and leases to core deposits | 94.1573% | 2,048 |
| Total domestic deposits to total assets | 80.4560% | 3,887 |
| Equity capital to assets | 11.5917% | 2,439 |
| Core capital (leverage) ratio | 10.6856% | 2,771 |
| Tier 1 risk-based capital ratio | 14.0150% | 3,267 |
| Total risk-based capital ratio | 15.2757% | 3,170 |
| Memoranda: | ||
| Average total assets | $1,034,004,000 | 757 |
| Average earning assets | $975,528,400 | 741 |
| Average equity | $117,858,800 | 774 |
| Average total loans | $755,268,600 | 757 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1821% | 1,078 |
| Cost of funding earning assets | 0.8631% | 2,393 |
| Net interest margin | 4.3190% | 1,126 |
| Noninterest income to average assets | 0.4346% | 3,112 |
| Noninterest expense to average assets | 4.0501% | 498 |
| Loan and lease loss provision to assets | 0.1886% | 949 |
| Net operating income to assets | 0.2684% | 4,882 |
| Return on assets (ROA) | 0.2684% | 4,895 |
| Pretax return on assets | 0.2707% | 4,923 |
| Return on Equity (ROE) | 2.3645% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.3645% | 4,151 |
| Net charge-offs to loans | 0.3914% | 427 |
| Credit loss provision to net charge-offs | 65.6194% | 2,664 |
| Earnings coverage of net charge-offs (x) | 1.5978% | 3,276 |
| Efficiency ratio | 89.6538% | 335 |
| Assets per employee ($millions) | 4.5135% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1426% | 364 |
| Loan loss allowance to noncurrent loans | 195.7338% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,770 |
| Noncurrent loans to loans | 1.0947% | 1,454 |
| Net loans and leases to total assets | 69.4400% | 2,562 |
| Net loans and leases to deposits | 85.9804% | 2,189 |
| Net loans and leases to core deposits | 93.5140% | 2,221 |
| Total domestic deposits to total assets | 80.7626% | 3,813 |
| Equity capital to assets | 11.3377% | 2,810 |
| Core capital (leverage) ratio | 10.3941% | 3,208 |
| Tier 1 risk-based capital ratio | 14.5524% | 3,045 |
| Total risk-based capital ratio | 15.8142% | 2,972 |
| Memoranda: | ||
| Average total assets | $1,033,371,000 | 758 |
| Average earning assets | $974,947,000 | 743 |
| Average equity | $117,285,500 | 775 |
| Average total loans | $759,049,750 | 750 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 983 |
| Cost of funding earning assets | 0.8495% | 2,399 |
| Net interest margin | 4.3508% | 1,041 |
| Noninterest income to average assets | 0.4418% | 3,007 |
| Noninterest expense to average assets | 4.1064% | 465 |
| Loan and lease loss provision to assets | 0.2285% | 719 |
| Net operating income to assets | 0.2188% | 4,973 |
| Return on assets (ROA) | 0.2188% | 4,985 |
| Pretax return on assets | 0.2129% | 5,017 |
| Return on Equity (ROE) | 1.9267% | 4,951 |
| Retained earnings to average equity (ytd only) | 1.9267% | 4,137 |
| Net charge-offs to loans | 0.4230% | 394 |
| Credit loss provision to net charge-offs | 72.7047% | 2,298 |
| Earnings coverage of net charge-offs (x) | 1.4045% | 3,024 |
| Efficiency ratio | 90.1308% | 348 |
| Assets per employee ($millions) | 4.2922% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 379 |
| Loan loss allowance to noncurrent loans | 185.0576% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 1,674 |
| Noncurrent loans to loans | 1.1484% | 1,411 |
| Net loans and leases to total assets | 71.7605% | 2,241 |
| Net loans and leases to deposits | 88.7643% | 1,894 |
| Net loans and leases to core deposits | 102.7023% | 1,500 |
| Total domestic deposits to total assets | 80.8439% | 3,864 |
| Equity capital to assets | 11.2422% | 2,818 |
| Core capital (leverage) ratio | 10.4824% | 3,116 |
| Tier 1 risk-based capital ratio | 13.5547% | 3,546 |
| Total risk-based capital ratio | 14.8160% | 3,445 |
| Memoranda: | ||
| Average total assets | $1,025,772,670 | 764 |
| Average earning assets | $968,060,670 | 746 |
| Average equity | $116,465,670 | 770 |
| Average total loans | $762,246,330 | 751 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 771 |
| Cost of funding earning assets | 0.8670% | 2,175 |
| Net interest margin | 4.4223% | 855 |
| Noninterest income to average assets | 0.3302% | 3,650 |
| Noninterest expense to average assets | 4.0969% | 467 |
| Loan and lease loss provision to assets | 0.2030% | 784 |
| Net operating income to assets | 0.2358% | 4,980 |
| Return on assets (ROA) | 0.2358% | 4,986 |
| Pretax return on assets | 0.2042% | 5,028 |
| Return on Equity (ROE) | 2.0660% | 4,957 |
| Retained earnings to average equity (ytd only) | 2.0660% | 4,046 |
| Net charge-offs to loans | 0.4993% | 303 |
| Credit loss provision to net charge-offs | 54.3340% | 1,946 |
| Earnings coverage of net charge-offs (x) | 1.0899% | 2,627 |
| Efficiency ratio | 90.7935% | 365 |
| Assets per employee ($millions) | 4.2832% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 381 |
| Loan loss allowance to noncurrent loans | 320.0312% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 2,601 |
| Noncurrent loans to loans | 0.6734% | 2,332 |
| Net loans and leases to total assets | 73.3189% | 1,926 |
| Net loans and leases to deposits | 91.1136% | 1,498 |
| Net loans and leases to core deposits | 104.5824% | 1,269 |
| Total domestic deposits to total assets | 80.4698% | 4,081 |
| Equity capital to assets | 11.4271% | 2,466 |
| Core capital (leverage) ratio | 10.5502% | 2,996 |
| Tier 1 risk-based capital ratio | 13.9236% | 3,379 |
| Total risk-based capital ratio | 15.1862% | 3,291 |
| Memoranda: | ||
| Average total assets | $1,012,859,500 | 774 |
| Average earning assets | $955,972,500 | 755 |
| Average equity | $115,587,000 | 770 |
| Average total loans | $757,860,500 | 759 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 629 |
| Cost of funding earning assets | 0.6091% | 2,654 |
| Net interest margin | 4.6484% | 546 |
| Noninterest income to average assets | 0.4949% | 2,855 |
| Noninterest expense to average assets | 4.1163% | 462 |
| Loan and lease loss provision to assets | 0.5511% | 202 |
| Net operating income to assets | 0.1454% | 5,151 |
| Return on assets (ROA) | 0.1454% | 5,145 |
| Pretax return on assets | 0.2020% | 5,116 |
| Return on Equity (ROE) | 1.3302% | 5,127 |
| Retained earnings to average equity (ytd only) | 1.3302% | 4,600 |
| Net charge-offs to loans | 0.5340% | 336 |
| Credit loss provision to net charge-offs | 137.3834% | 1,953 |
| Earnings coverage of net charge-offs (x) | 1.8775% | 3,581 |
| Efficiency ratio | 84.0944% | 648 |
| Assets per employee ($millions) | 4.2462% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2280% | 316 |
| Loan loss allowance to noncurrent loans | 264.0559% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 2,025 |
| Noncurrent loans to loans | 0.8438% | 1,914 |
| Net loans and leases to total assets | 73.0489% | 2,088 |
| Net loans and leases to deposits | 91.6397% | 1,595 |
| Net loans and leases to core deposits | 105.2108% | 1,324 |
| Total domestic deposits to total assets | 79.7131% | 4,169 |
| Equity capital to assets | 11.3968% | 2,335 |
| Core capital (leverage) ratio | 10.5385% | 2,973 |
| Tier 1 risk-based capital ratio | 13.8553% | 3,359 |
| Total risk-based capital ratio | 15.1187% | 3,277 |
| Memoranda: | ||
| Average total assets | $989,009,600 | 777 |
| Average earning assets | $930,734,200 | 758 |
| Average equity | $108,107,200 | 788 |
| Average total loans | $742,891,200 | 742 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 602 |
| Cost of funding earning assets | 0.5518% | 2,849 |
| Net interest margin | 4.6717% | 500 |
| Noninterest income to average assets | 0.4457% | 3,199 |
| Noninterest expense to average assets | 4.0260% | 512 |
| Loan and lease loss provision to assets | 0.7062% | 141 |
| Net operating income to assets | 0.0781% | 5,266 |
| Return on assets (ROA) | 0.0781% | 5,259 |
| Pretax return on assets | 0.1086% | 5,251 |
| Return on Equity (ROE) | 0.7222% | 5,255 |
| Retained earnings to average equity (ytd only) | 0.7222% | 4,911 |
| Net charge-offs to loans | 0.6062% | 241 |
| Credit loss provision to net charge-offs | 154.8751% | 1,660 |
| Earnings coverage of net charge-offs (x) | 1.7869% | 3,314 |
| Efficiency ratio | 82.7229% | 726 |
| Assets per employee ($millions) | 4.2885% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2179% | 352 |
| Loan loss allowance to noncurrent loans | 252.4901% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 2,164 |
| Noncurrent loans to loans | 0.8784% | 1,946 |
| Net loans and leases to total assets | 75.5084% | 1,729 |
| Net loans and leases to deposits | 94.6730% | 1,303 |
| Net loans and leases to core deposits | 128.7781% | 358 |
| Total domestic deposits to total assets | 79.7571% | 4,160 |
| Equity capital to assets | 11.2816% | 2,408 |
| Core capital (leverage) ratio | 10.5040% | 3,084 |
| Tier 1 risk-based capital ratio | 13.2129% | 3,778 |
| Total risk-based capital ratio | 14.4759% | 3,683 |
| Memoranda: | ||
| Average total assets | $983,611,250 | 779 |
| Average earning assets | $925,369,750 | 756 |
| Average equity | $106,340,000 | 802 |
| Average total loans | $739,849,750 | 745 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 605 |
| Cost of funding earning assets | 0.4677% | 3,240 |
| Net interest margin | 4.6827% | 459 |
| Noninterest income to average assets | 0.2919% | 4,229 |
| Noninterest expense to average assets | 3.9563% | 568 |
| Loan and lease loss provision to assets | 0.7093% | 141 |
| Net operating income to assets | 0.0235% | 5,329 |
| Return on assets (ROA) | 0.0235% | 5,324 |
| Pretax return on assets | 0.0328% | 5,324 |
| Return on Equity (ROE) | 0.2210% | 5,323 |
| Retained earnings to average equity (ytd only) | 0.2210% | 4,919 |
| Net charge-offs to loans | 0.5463% | 267 |
| Credit loss provision to net charge-offs | 174.2081% | 1,430 |
| Earnings coverage of net charge-offs (x) | 1.8225% | 3,026 |
| Efficiency ratio | 83.7436% | 702 |
| Assets per employee ($millions) | 4.4004% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1367% | 417 |
| Loan loss allowance to noncurrent loans | 356.5190% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 2,904 |
| Noncurrent loans to loans | 0.5993% | 2,622 |
| Net loans and leases to total assets | 74.4854% | 1,868 |
| Net loans and leases to deposits | 94.5358% | 1,298 |
| Net loans and leases to core deposits | 127.0269% | 390 |
| Total domestic deposits to total assets | 78.7907% | 4,463 |
| Equity capital to assets | 10.3677% | 3,257 |
| Core capital (leverage) ratio | 10.4057% | 3,131 |
| Tier 1 risk-based capital ratio | 12.1347% | 4,415 |
| Total risk-based capital ratio | 13.3965% | 4,286 |
| Memoranda: | ||
| Average total assets | $976,978,670 | 781 |
| Average earning assets | $919,345,000 | 765 |
| Average equity | $104,049,330 | 819 |
| Average total loans | $728,159,330 | 754 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 864 |
| Cost of funding earning assets | 0.4609% | 3,123 |
| Net interest margin | 4.4432% | 695 |
| Noninterest income to average assets | 0.2969% | 4,174 |
| Noninterest expense to average assets | 3.9388% | 564 |
| Loan and lease loss provision to assets | 0.7621% | 120 |
| Net operating income to assets | -0.1641% | 5,442 |
| Return on assets (ROA) | -0.1641% | 5,437 |
| Pretax return on assets | -0.2282% | 5,448 |
| Return on Equity (ROE) | -1.5185% | 5,440 |
| Retained earnings to average equity (ytd only) | -1.5185% | 4,964 |
| Net charge-offs to loans | 0.4282% | 363 |
| Credit loss provision to net charge-offs | 241.5775% | 931 |
| Earnings coverage of net charge-offs (x) | 1.6925% | 2,531 |
| Efficiency ratio | 87.5625% | 557 |
| Assets per employee ($millions) | 4.2375% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2836% | 332 |
| Loan loss allowance to noncurrent loans | 329.3173% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,790 |
| Noncurrent loans to loans | 0.6934% | 2,478 |
| Net loans and leases to total assets | 73.2779% | 1,983 |
| Net loans and leases to deposits | 88.9444% | 1,817 |
| Net loans and leases to core deposits | 116.2873% | 716 |
| Total domestic deposits to total assets | 82.3862% | 3,846 |
| Equity capital to assets | 11.1507% | 2,433 |
| Core capital (leverage) ratio | 10.3060% | 3,186 |
| Tier 1 risk-based capital ratio | 13.4116% | 3,715 |
| Total risk-based capital ratio | 14.6760% | 3,613 |
| Memoranda: | ||
| Average total assets | $948,418,500 | 809 |
| Average earning assets | $891,334,500 | 787 |
| Average equity | $102,468,000 | 836 |
| Average total loans | $698,704,000 | 785 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8064% | 168 |
| Cost of funding earning assets | 0.5125% | 2,231 |
| Net interest margin | 5.2939% | 148 |
| Noninterest income to average assets | 0.5603% | 2,653 |
| Noninterest expense to average assets | 4.4620% | 328 |
| Loan and lease loss provision to assets | 1.2445% | 73 |
| Net operating income to assets | -0.5318% | 5,538 |
| Return on assets (ROA) | -0.5318% | 5,537 |
| Pretax return on assets | -0.2025% | 5,497 |
| Return on Equity (ROE) | -4.8448% | 5,534 |
| Retained earnings to average equity (ytd only) | -4.8448% | 5,427 |
| Net charge-offs to loans | 0.9538% | 195 |
| Credit loss provision to net charge-offs | 181.9260% | 1,489 |
| Earnings coverage of net charge-offs (x) | 1.5232% | 3,875 |
| Efficiency ratio | 80.4843% | 1,061 |
| Assets per employee ($millions) | 4.3627% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1298% | 425 |
| Loan loss allowance to noncurrent loans | 404.2794% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 3,324 |
| Noncurrent loans to loans | 0.5268% | 2,932 |
| Net loans and leases to total assets | 71.4870% | 2,296 |
| Net loans and leases to deposits | 86.5165% | 2,191 |
| Net loans and leases to core deposits | 123.5118% | 485 |
| Total domestic deposits to total assets | 82.6281% | 3,682 |
| Equity capital to assets | 10.7242% | 2,919 |
| Core capital (leverage) ratio | 9.5187% | 4,016 |
| Tier 1 risk-based capital ratio | 12.9734% | 3,921 |
| Total risk-based capital ratio | 14.2367% | 3,809 |
| Memoranda: | ||
| Average total assets | $714,994,800 | 1,022 |
| Average earning assets | $667,695,400 | 1,015 |
| Average equity | $78,475,400 | 1,027 |
| Average total loans | $512,812,200 | 1,001 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 146 |
| Cost of funding earning assets | 0.5125% | 2,167 |
| Net interest margin | 5.3919% | 125 |
| Noninterest income to average assets | 0.7025% | 1,989 |
| Noninterest expense to average assets | 4.4647% | 325 |
| Loan and lease loss provision to assets | 1.3230% | 69 |
| Net operating income to assets | -0.0331% | 5,523 |
| Return on assets (ROA) | -0.0331% | 5,528 |
| Pretax return on assets | -0.0555% | 5,532 |
| Return on Equity (ROE) | -0.3001% | 5,527 |
| Retained earnings to average equity (ytd only) | -0.3001% | 5,256 |
| Net charge-offs to loans | 0.9052% | 202 |
| Credit loss provision to net charge-offs | 204.7787% | 1,325 |
| Earnings coverage of net charge-offs (x) | 1.9619% | 3,525 |
| Efficiency ratio | 77.3038% | 1,423 |
| Assets per employee ($millions) | 4.4356% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1344% | 452 |
| Loan loss allowance to noncurrent loans | 270.5351% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,837 |
| Noncurrent loans to loans | 0.7890% | 2,387 |
| Net loans and leases to total assets | 69.9965% | 2,557 |
| Net loans and leases to deposits | 84.7954% | 2,461 |
| Net loans and leases to core deposits | 120.0114% | 588 |
| Total domestic deposits to total assets | 82.5475% | 3,605 |
| Equity capital to assets | 10.6009% | 3,260 |
| Core capital (leverage) ratio | 9.3030% | 4,406 |
| Tier 1 risk-based capital ratio | 12.9193% | 4,067 |
| Total risk-based capital ratio | 14.1837% | 3,966 |
| Memoranda: | ||
| Average total assets | $703,964,500 | 1,045 |
| Average earning assets | $656,669,750 | 1,034 |
| Average equity | $77,742,000 | 1,041 |
| Average total loans | $502,395,750 | 1,023 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7762% | 173 |
| Cost of funding earning assets | 0.5003% | 2,160 |
| Net interest margin | 5.2759% | 147 |
| Noninterest income to average assets | 0.5129% | 2,946 |
| Noninterest expense to average assets | 4.6596% | 274 |
| Loan and lease loss provision to assets | 1.0570% | 90 |
| Net operating income to assets | -0.1701% | 5,610 |
| Return on assets (ROA) | -0.1701% | 5,612 |
| Pretax return on assets | -0.2837% | 5,630 |
| Return on Equity (ROE) | -1.5183% | 5,610 |
| Retained earnings to average equity (ytd only) | -1.5183% | 5,297 |
| Net charge-offs to loans | 0.4246% | 478 |
| Credit loss provision to net charge-offs | 349.0909% | 870 |
| Earnings coverage of net charge-offs (x) | 2.5541% | 3,149 |
| Efficiency ratio | 85.1360% | 749 |
| Assets per employee ($millions) | 4.6033% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 656 |
| Loan loss allowance to noncurrent loans | 124.3308% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 1,520 |
| Noncurrent loans to loans | 1.5673% | 1,193 |
| Net loans and leases to total assets | 71.0784% | 2,358 |
| Net loans and leases to deposits | 86.1819% | 2,194 |
| Net loans and leases to core deposits | 121.3608% | 504 |
| Total domestic deposits to total assets | 82.4748% | 3,736 |
| Equity capital to assets | 10.5647% | 3,267 |
| Core capital (leverage) ratio | 9.2774% | 4,387 |
| Tier 1 risk-based capital ratio | 12.3136% | 4,415 |
| Total risk-based capital ratio | 13.5768% | 4,301 |
| Memoranda: | ||
| Average total assets | $690,227,330 | 1,064 |
| Average earning assets | $643,676,330 | 1,053 |
| Average equity | $77,324,330 | 1,047 |
| Average total loans | $492,203,330 | 1,042 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 166 |
| Cost of funding earning assets | 0.5015% | 2,076 |
| Net interest margin | 5.2637% | 145 |
| Noninterest income to average assets | 0.4743% | 3,159 |
| Noninterest expense to average assets | 5.1059% | 223 |
| Loan and lease loss provision to assets | 0.8791% | 104 |
| Net operating income to assets | -0.3610% | 5,715 |
| Return on assets (ROA) | -0.3610% | 5,712 |
| Pretax return on assets | -0.6020% | 5,745 |
| Return on Equity (ROE) | -3.1240% | 5,709 |
| Retained earnings to average equity (ytd only) | -3.1240% | 5,270 |
| Net charge-offs to loans | 0.2673% | 683 |
| Credit loss provision to net charge-offs | 465.3968% | 595 |
| Earnings coverage of net charge-offs (x) | 1.4667% | 2,727 |
| Efficiency ratio | 94.3300% | 369 |
| Assets per employee ($millions) | 4.1508% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 783 |
| Loan loss allowance to noncurrent loans | 75.7745% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 848 |
| Noncurrent loans to loans | 2.5157% | 623 |
| Net loans and leases to total assets | 67.6726% | 2,731 |
| Net loans and leases to deposits | 83.3333% | 2,358 |
| Net loans and leases to core deposits | 114.6382% | 646 |
| Total domestic deposits to total assets | 81.2072% | 4,367 |
| Equity capital to assets | 11.2789% | 2,365 |
| Core capital (leverage) ratio | 10.1782% | 3,263 |
| Tier 1 risk-based capital ratio | 13.8518% | 3,573 |
| Total risk-based capital ratio | 15.1138% | 3,477 |
| Memoranda: | ||
| Average total assets | $667,076,500 | 1,102 |
| Average earning assets | $622,074,000 | 1,085 |
| Average equity | $77,080,500 | 1,043 |
| Average total loans | $471,346,500 | 1,090 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 426 |
| Cost of funding earning assets | 0.4854% | 2,203 |
| Net interest margin | 4.6976% | 423 |
| Noninterest income to average assets | 0.2524% | 4,911 |
| Noninterest expense to average assets | 3.7336% | 842 |
| Loan and lease loss provision to assets | 0.4406% | 329 |
| Net operating income to assets | 0.3124% | 5,191 |
| Return on assets (ROA) | 0.3124% | 5,256 |
| Pretax return on assets | 0.4772% | 5,073 |
| Return on Equity (ROE) | 2.7272% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.7272% | 3,961 |
| Net charge-offs to loans | 0.0727% | 2,659 |
| Credit loss provision to net charge-offs | 816.3462% | 456 |
| Earnings coverage of net charge-offs (x) | 17.0064% | 2,078 |
| Efficiency ratio | 79.6921% | 1,456 |
| Assets per employee ($millions) | 4.7009% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,257 |
| Loan loss allowance to noncurrent loans | 85.2475% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 1,222 |
| Noncurrent loans to loans | 1.9344% | 948 |
| Net loans and leases to total assets | 71.2053% | 2,302 |
| Net loans and leases to deposits | 88.7057% | 1,843 |
| Net loans and leases to core deposits | 125.2931% | 360 |
| Total domestic deposits to total assets | 80.2714% | 4,514 |
| Equity capital to assets | 11.8426% | 1,911 |
| Core capital (leverage) ratio | 10.5787% | 2,799 |
| Tier 1 risk-based capital ratio | 13.8016% | 3,580 |
| Total risk-based capital ratio | 15.0598% | 3,483 |
| Memoranda: | ||
| Average total assets | $578,122,000 | 1,208 |
| Average earning assets | $541,380,200 | 1,186 |
| Average equity | $66,220,800 | 1,182 |
| Average total loans | $429,188,600 | 1,143 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 705 |
| Cost of funding earning assets | 0.4695% | 2,369 |
| Net interest margin | 4.4461% | 706 |
| Noninterest income to average assets | 0.1986% | 5,274 |
| Noninterest expense to average assets | 3.4647% | 1,212 |
| Loan and lease loss provision to assets | 0.3812% | 395 |
| Net operating income to assets | 0.3123% | 5,258 |
| Return on assets (ROA) | 0.3123% | 5,342 |
| Pretax return on assets | 0.5221% | 5,072 |
| Return on Equity (ROE) | 2.7536% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.7536% | 4,239 |
| Net charge-offs to loans | 0.0013% | 3,906 |
| Credit loss provision to net charge-offs | 39,975.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 947.8180% | 84 |
| Efficiency ratio | 78.7044% | 1,594 |
| Assets per employee ($millions) | 4.4519% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,847 |
| Loan loss allowance to noncurrent loans | 114.0832% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 2,114 |
| Noncurrent loans to loans | 1.2958% | 1,719 |
| Net loans and leases to total assets | 74.4422% | 1,798 |
| Net loans and leases to deposits | 93.7801% | 1,275 |
| Net loans and leases to core deposits | 130.8700% | 286 |
| Total domestic deposits to total assets | 79.3795% | 4,641 |
| Equity capital to assets | 11.6229% | 2,417 |
| Core capital (leverage) ratio | 10.3377% | 3,177 |
| Tier 1 risk-based capital ratio | 12.9745% | 4,177 |
| Total risk-based capital ratio | 14.2300% | 4,088 |
| Memoranda: | ||
| Average total assets | $559,296,750 | 1,246 |
| Average earning assets | $524,492,500 | 1,219 |
| Average equity | $63,430,500 | 1,246 |
| Average total loans | $418,217,500 | 1,169 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,493 |
| Cost of funding earning assets | 0.4175% | 2,860 |
| Net interest margin | 3.5141% | 3,436 |
| Noninterest income to average assets | 0.2083% | 5,248 |
| Noninterest expense to average assets | 2.6483% | 3,549 |
| Loan and lease loss provision to assets | 0.4206% | 350 |
| Net operating income to assets | 0.2767% | 5,379 |
| Return on assets (ROA) | 0.2767% | 5,458 |
| Pretax return on assets | 0.4556% | 5,232 |
| Return on Equity (ROE) | 2.4641% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.4641% | 4,314 |
| Net charge-offs to loans | 0.0015% | 3,654 |
| Credit loss provision to net charge-offs | 37,300.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 777.0000% | 68 |
| Efficiency ratio | 74.4134% | 2,305 |
| Assets per employee ($millions) | 4.5089% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 2,412 |
| Loan loss allowance to noncurrent loans | 145.3458% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,839 |
| Noncurrent loans to loans | 0.9461% | 2,388 |
| Net loans and leases to total assets | 74.3362% | 1,768 |
| Net loans and leases to deposits | 95.3140% | 1,157 |
| Net loans and leases to core deposits | 133.7487% | 256 |
| Total domestic deposits to total assets | 77.9908% | 5,003 |
| Equity capital to assets | 11.4778% | 2,569 |
| Core capital (leverage) ratio | 12.3630% | 1,428 |
| Tier 1 risk-based capital ratio | 12.6947% | 4,392 |
| Total risk-based capital ratio | 13.9496% | 4,293 |
| Memoranda: | ||
| Average total assets | $532,036,670 | 1,308 |
| Average earning assets | $502,096,000 | 1,279 |
| Average equity | $59,736,670 | 1,305 |
| Average total loans | $396,159,000 | 1,214 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,617 |
| Cost of funding earning assets | 0.4073% | 2,994 |
| Net interest margin | 3.4846% | 3,537 |
| Noninterest income to average assets | 0.2237% | 5,139 |
| Noninterest expense to average assets | 2.6321% | 3,651 |
| Loan and lease loss provision to assets | 0.5962% | 184 |
| Net operating income to assets | 0.1900% | 5,548 |
| Return on assets (ROA) | 0.1900% | 5,602 |
| Pretax return on assets | 0.3120% | 5,489 |
| Return on Equity (ROE) | 1.7185% | 5,569 |
| Retained earnings to average equity (ytd only) | 1.7185% | 4,582 |
| Net charge-offs to loans | -0.0046% | 4,265 |
| Credit loss provision to net charge-offs | -17,725.0000% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5392% | 2,546 |
| Assets per employee ($millions) | 8.8620% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,379 |
| Loan loss allowance to noncurrent loans | 160.8762% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 2,697 |
| Noncurrent loans to loans | 1.0539% | 2,287 |
| Net loans and leases to total assets | 74.6961% | 1,616 |
| Net loans and leases to deposits | 98.7226% | 708 |
| Net loans and leases to core deposits | 144.5042% | 138 |
| Total domestic deposits to total assets | 75.6626% | 5,452 |
| Equity capital to assets | 10.8557% | 3,111 |
| Core capital (leverage) ratio | 10.4355% | 3,030 |
| Tier 1 risk-based capital ratio | 12.8772% | 4,341 |
| Total risk-based capital ratio | 14.1368% | 4,251 |
| Memoranda: | ||
| Average total assets | $475,671,500 | 1,443 |
| Average earning assets | $452,739,500 | 1,417 |
| Average equity | $52,602,500 | 1,463 |
| Average total loans | $351,249,500 | 1,326 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,385 |
| Cost of funding earning assets | 0.3525% | 3,675 |
| Net interest margin | 3.6268% | 3,029 |
| Noninterest income to average assets | 0.5020% | 3,319 |
| Noninterest expense to average assets | 3.0834% | 2,286 |
| Loan and lease loss provision to assets | 0.2576% | 731 |
| Net operating income to assets | 2.2863% | 216 |
| Return on assets (ROA) | 2.2890% | 217 |
| Pretax return on assets | 0.6266% | 4,762 |
| Return on Equity (ROE) | 20.7998% | 209 |
| Retained earnings to average equity (ytd only) | 20.7998% | 58 |
| Net charge-offs to loans | -0.0039% | 4,936 |
| Credit loss provision to net charge-offs | -8,750.0000% | 5,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9197% | 2,126 |
| Assets per employee ($millions) | 8.1392% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 1,404 |
| Loan loss allowance to noncurrent loans | 178.9135% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 2,842 |
| Noncurrent loans to loans | 0.9366% | 2,465 |
| Net loans and leases to total assets | 70.3933% | 2,308 |
| Net loans and leases to deposits | 89.4146% | 1,696 |
| Net loans and leases to core deposits | 129.9752% | 272 |
| Total domestic deposits to total assets | 78.7268% | 5,028 |
| Equity capital to assets | 11.2717% | 2,567 |
| Core capital (leverage) ratio | 10.8607% | 2,546 |
| Tier 1 risk-based capital ratio | 13.9803% | 3,722 |
| Total risk-based capital ratio | 15.2403% | 3,646 |
| Memoranda: | ||
| Average total assets | $407,599,400 | 1,622 |
| Average earning assets | $389,187,200 | 1,567 |
| Average equity | $44,856,200 | 1,647 |
| Average total loans | $304,573,400 | 1,457 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,323 |
| Cost of funding earning assets | 0.3454% | 3,803 |
| Net interest margin | 3.9269% | 1,942 |
| Noninterest income to average assets | 0.2622% | 5,064 |
| Noninterest expense to average assets | 3.0358% | 2,409 |
| Loan and lease loss provision to assets | 0.2765% | 576 |
| Net operating income to assets | 0.7061% | 3,874 |
| Return on assets (ROA) | 0.7098% | 3,966 |
| Pretax return on assets | 0.7098% | 4,651 |
| Return on Equity (ROE) | 6.4964% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.4964% | 1,959 |
| Net charge-offs to loans | 0.0242% | 3,452 |
| Credit loss provision to net charge-offs | 1,511.1111% | 234 |
| Earnings coverage of net charge-offs (x) | 53.7024% | 997 |
| Efficiency ratio | 74.6880% | 2,444 |
| Assets per employee ($millions) | 7.6355% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 1,646 |
| Loan loss allowance to noncurrent loans | 145.0289% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 2,084 |
| Noncurrent loans to loans | 1.1287% | 2,249 |
| Net loans and leases to total assets | 75.3471% | 1,484 |
| Net loans and leases to deposits | 93.4826% | 1,258 |
| Net loans and leases to core deposits | 156.5301% | 85 |
| Total domestic deposits to total assets | 80.6001% | 4,578 |
| Equity capital to assets | 10.8010% | 3,237 |
| Core capital (leverage) ratio | 10.3106% | 3,244 |
| Tier 1 risk-based capital ratio | 13.0529% | 4,402 |
| Total risk-based capital ratio | 14.3075% | 4,316 |
| Memoranda: | ||
| Average total assets | $393,516,250 | 1,686 |
| Average earning assets | $376,405,500 | 1,628 |
| Average equity | $42,997,000 | 1,717 |
| Average total loans | $297,681,000 | 1,487 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,575 |
| Cost of funding earning assets | 0.3333% | 4,006 |
| Net interest margin | 3.8569% | 2,117 |
| Noninterest income to average assets | 0.1716% | 5,673 |
| Noninterest expense to average assets | 3.0345% | 2,446 |
| Loan and lease loss provision to assets | 0.2428% | 741 |
| Net operating income to assets | 0.5760% | 4,444 |
| Return on assets (ROA) | 0.5817% | 4,520 |
| Pretax return on assets | 0.5817% | 5,020 |
| Return on Equity (ROE) | 5.3021% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.3021% | 2,671 |
| Net charge-offs to loans | 0.0497% | 2,716 |
| Credit loss provision to net charge-offs | 648.6111% | 517 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,659 |
| Efficiency ratio | 77.8332% | 2,096 |
| Assets per employee ($millions) | 7.0874% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 1,909 |
| Loan loss allowance to noncurrent loans | 93.3854% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.5892% | 1,519 |
| Noncurrent loans to loans | 1.7149% | 1,503 |
| Net loans and leases to total assets | 74.5106% | 1,583 |
| Net loans and leases to deposits | 93.7816% | 1,174 |
| Net loans and leases to core deposits | 148.0464% | 120 |
| Total domestic deposits to total assets | 79.4512% | 4,991 |
| Equity capital to assets | 10.5956% | 3,328 |
| Core capital (leverage) ratio | 10.3279% | 3,180 |
| Tier 1 risk-based capital ratio | 13.6048% | 4,158 |
| Total risk-based capital ratio | 14.8601% | 4,085 |
| Memoranda: | ||
| Average total assets | $384,704,670 | 1,729 |
| Average earning assets | $367,241,670 | 1,672 |
| Average equity | $42,209,670 | 1,752 |
| Average total loans | $289,679,000 | 1,522 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,579 |
| Cost of funding earning assets | 0.3319% | 4,068 |
| Net interest margin | 3.8335% | 2,120 |
| Noninterest income to average assets | 0.1706% | 5,698 |
| Noninterest expense to average assets | 3.2154% | 1,947 |
| Loan and lease loss provision to assets | 0.1696% | 1,174 |
| Net operating income to assets | 0.4437% | 4,900 |
| Return on assets (ROA) | 0.4543% | 4,968 |
| Pretax return on assets | 0.4543% | 5,305 |
| Return on Equity (ROE) | 4.0656% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.0656% | 3,564 |
| Net charge-offs to loans | 0.0313% | 2,563 |
| Credit loss provision to net charge-offs | 722.7273% | 418 |
| Earnings coverage of net charge-offs (x) | 26.1364% | 1,248 |
| Efficiency ratio | 83.0362% | 1,488 |
| Assets per employee ($millions) | 7.6819% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 2,085 |
| Loan loss allowance to noncurrent loans | 76.8810% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.8766% | 1,297 |
| Noncurrent loans to loans | 2.0677% | 1,255 |
| Net loans and leases to total assets | 74.7699% | 1,392 |
| Net loans and leases to deposits | 96.5205% | 798 |
| Net loans and leases to core deposits | 142.6268% | 141 |
| Total domestic deposits to total assets | 77.4653% | 5,539 |
| Equity capital to assets | 11.0022% | 2,966 |
| Core capital (leverage) ratio | 10.7448% | 2,697 |
| Tier 1 risk-based capital ratio | 13.2427% | 4,467 |
| Total risk-based capital ratio | 14.4966% | 4,384 |
| Memoranda: | ||
| Average total assets | $375,067,000 | 1,783 |
| Average earning assets | $357,895,500 | 1,716 |
| Average equity | $41,912,500 | 1,764 |
| Average total loans | $281,565,000 | 1,551 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 3,235 |
| Cost of funding earning assets | 0.3883% | 3,814 |
| Net interest margin | 3.7343% | 2,859 |
| Noninterest income to average assets | 0.5087% | 3,442 |
| Noninterest expense to average assets | 3.2736% | 1,998 |
| Loan and lease loss provision to assets | 0.2371% | 1,002 |
| Net operating income to assets | 0.5415% | 4,631 |
| Return on assets (ROA) | 0.5415% | 4,721 |
| Pretax return on assets | 0.5415% | 5,134 |
| Return on Equity (ROE) | 4.9446% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.9446% | 2,637 |
| Net charge-offs to loans | 0.0588% | 3,664 |
| Credit loss provision to net charge-offs | 580.4196% | 460 |
| Earnings coverage of net charge-offs (x) | 19.0629% | 1,804 |
| Efficiency ratio | 79.8210% | 1,960 |
| Assets per employee ($millions) | 7.0392% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,894 |
| Loan loss allowance to noncurrent loans | 84.6776% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 1,890 |
| Noncurrent loans to loans | 1.9605% | 1,429 |
| Net loans and leases to total assets | 72.8883% | 1,780 |
| Net loans and leases to deposits | 90.8171% | 1,432 |
| Net loans and leases to core deposits | 131.5066% | 227 |
| Total domestic deposits to total assets | 80.2583% | 4,949 |
| Equity capital to assets | 11.3557% | 2,552 |
| Core capital (leverage) ratio | 10.8546% | 2,553 |
| Tier 1 risk-based capital ratio | 14.1413% | 4,004 |
| Total risk-based capital ratio | 15.3965% | 3,927 |
| Memoranda: | ||
| Average total assets | $350,129,200 | 1,856 |
| Average earning assets | $332,240,600 | 1,806 |
| Average equity | $38,344,800 | 1,842 |
| Average total loans | $243,050,600 | 1,736 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 3,305 |
| Cost of funding earning assets | 0.3985% | 3,804 |
| Net interest margin | 3.7193% | 2,943 |
| Noninterest income to average assets | 0.6224% | 2,732 |
| Noninterest expense to average assets | 3.2582% | 1,998 |
| Loan and lease loss provision to assets | 0.1857% | 1,320 |
| Net operating income to assets | 0.6983% | 3,949 |
| Return on assets (ROA) | 0.6983% | 4,043 |
| Pretax return on assets | 0.6983% | 4,704 |
| Return on Equity (ROE) | 6.4393% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.4393% | 2,144 |
| Net charge-offs to loans | -0.1638% | 6,265 |
| Credit loss provision to net charge-offs | -166.2069% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7106% | 2,229 |
| Assets per employee ($millions) | 7.0838% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,633 |
| Loan loss allowance to noncurrent loans | 75.6971% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.7917% | 1,663 |
| Noncurrent loans to loans | 2.4164% | 1,231 |
| Net loans and leases to total assets | 66.8486% | 2,712 |
| Net loans and leases to deposits | 83.1369% | 2,271 |
| Net loans and leases to core deposits | 121.7082% | 357 |
| Total domestic deposits to total assets | 80.4078% | 4,986 |
| Equity capital to assets | 11.2427% | 2,710 |
| Core capital (leverage) ratio | 10.7832% | 2,712 |
| Tier 1 risk-based capital ratio | 15.2605% | 3,437 |
| Total risk-based capital ratio | 16.5173% | 3,379 |
| Memoranda: | ||
| Average total assets | $346,152,250 | 1,889 |
| Average earning assets | $327,583,000 | 1,840 |
| Average equity | $37,539,500 | 1,884 |
| Average total loans | $235,987,750 | 1,793 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 2,984 |
| Cost of funding earning assets | 0.4087% | 3,789 |
| Net interest margin | 3.7814% | 2,630 |
| Noninterest income to average assets | 0.6737% | 2,413 |
| Noninterest expense to average assets | 3.4025% | 1,675 |
| Loan and lease loss provision to assets | 0.1488% | 1,662 |
| Net operating income to assets | 0.7114% | 3,774 |
| Return on assets (ROA) | 0.7114% | 3,872 |
| Pretax return on assets | 0.7114% | 4,602 |
| Return on Equity (ROE) | 6.6486% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.6486% | 1,950 |
| Net charge-offs to loans | -0.1524% | 6,270 |
| Credit loss provision to net charge-offs | -143.1818% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8781% | 2,184 |
| Assets per employee ($millions) | 7.1289% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 1,807 |
| Loan loss allowance to noncurrent loans | 72.5222% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.7578% | 1,851 |
| Noncurrent loans to loans | 2.5036% | 1,241 |
| Net loans and leases to total assets | 63.1228% | 3,218 |
| Net loans and leases to deposits | 78.1594% | 2,782 |
| Net loans and leases to core deposits | 114.3449% | 524 |
| Total domestic deposits to total assets | 80.7617% | 5,048 |
| Equity capital to assets | 10.7101% | 3,191 |
| Core capital (leverage) ratio | 10.0488% | 3,537 |
| Tier 1 risk-based capital ratio | 15.7780% | 3,208 |
| Total risk-based capital ratio | 17.0260% | 3,147 |
| Memoranda: | ||
| Average total assets | $338,751,330 | 1,929 |
| Average earning assets | $321,517,330 | 1,872 |
| Average equity | $36,248,330 | 1,935 |
| Average total loans | $231,041,000 | 1,818 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 3,271 |
| Cost of funding earning assets | 0.4363% | 3,583 |
| Net interest margin | 3.6661% | 3,001 |
| Noninterest income to average assets | 0.9181% | 1,339 |
| Noninterest expense to average assets | 3.7568% | 1,046 |
| Loan and lease loss provision to assets | 0.0123% | 3,669 |
| Net operating income to assets | 0.6202% | 4,099 |
| Return on assets (ROA) | 0.6202% | 4,179 |
| Pretax return on assets | 0.6202% | 4,767 |
| Return on Equity (ROE) | 5.7989% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.7989% | 2,647 |
| Net charge-offs to loans | -0.1602% | 6,311 |
| Credit loss provision to net charge-offs | -10.8696% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6412% | 1,596 |
| Assets per employee ($millions) | 6.1758% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 2,376 |
| Loan loss allowance to noncurrent loans | 60.3294% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.0711% | 1,627 |
| Noncurrent loans to loans | 2.8060% | 1,186 |
| Net loans and leases to total assets | 67.0032% | 2,396 |
| Net loans and leases to deposits | 83.3705% | 1,898 |
| Net loans and leases to core deposits | 120.6953% | 312 |
| Total domestic deposits to total assets | 80.3679% | 5,410 |
| Equity capital to assets | 10.6907% | 3,050 |
| Core capital (leverage) ratio | 10.0109% | 3,563 |
| Tier 1 risk-based capital ratio | 14.4456% | 4,032 |
| Total risk-based capital ratio | 15.7010% | 3,987 |
| Memoranda: | ||
| Average total assets | $326,341,000 | 2,004 |
| Average earning assets | $308,994,500 | 1,957 |
| Average equity | $34,903,000 | 1,988 |
| Average total loans | $229,691,000 | 1,827 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 2,257 |
| Cost of funding earning assets | 0.5311% | 3,274 |
| Net interest margin | 3.9559% | 2,087 |
| Noninterest income to average assets | 0.7691% | 2,223 |
| Noninterest expense to average assets | 4.1184% | 763 |
| Loan and lease loss provision to assets | 0.3949% | 761 |
| Net operating income to assets | -0.0359% | 6,246 |
| Return on assets (ROA) | 0.0047% | 6,246 |
| Pretax return on assets | 0.0047% | 6,227 |
| Return on Equity (ROE) | 0.0428% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.0428% | 5,827 |
| Net charge-offs to loans | 0.3966% | 1,703 |
| Credit loss provision to net charge-offs | 144.3618% | 1,611 |
| Earnings coverage of net charge-offs (x) | 1.3123% | 4,623 |
| Efficiency ratio | 90.9387% | 957 |
| Assets per employee ($millions) | 5.7965% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 2,482 |
| Loan loss allowance to noncurrent loans | 53.1394% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.4970% | 1,375 |
| Noncurrent loans to loans | 3.1522% | 1,085 |
| Net loans and leases to total assets | 71.5807% | 1,757 |
| Net loans and leases to deposits | 90.1772% | 1,227 |
| Net loans and leases to core deposits | 122.7609% | 292 |
| Total domestic deposits to total assets | 79.3779% | 5,581 |
| Equity capital to assets | 10.7002% | 2,934 |
| Core capital (leverage) ratio | 10.1179% | 3,403 |
| Tier 1 risk-based capital ratio | 14.3645% | 4,038 |
| Total risk-based capital ratio | 15.6208% | 3,979 |
| Memoranda: | ||
| Average total assets | $295,038,400 | 2,175 |
| Average earning assets | $276,572,000 | 2,138 |
| Average equity | $32,721,800 | 2,101 |
| Average total loans | $203,482,400 | 1,976 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 2,484 |
| Cost of funding earning assets | 0.5490% | 3,272 |
| Net interest margin | 3.8849% | 2,332 |
| Noninterest income to average assets | 0.5961% | 3,172 |
| Noninterest expense to average assets | 4.0943% | 771 |
| Loan and lease loss provision to assets | 0.5447% | 484 |
| Net operating income to assets | -0.4029% | 6,569 |
| Return on assets (ROA) | -0.3478% | 6,562 |
| Pretax return on assets | -0.3478% | 6,542 |
| Return on Equity (ROE) | -3.1069% | 6,526 |
| Retained earnings to average equity (ytd only) | -3.1069% | 6,362 |
| Net charge-offs to loans | 0.5600% | 1,127 |
| Credit loss provision to net charge-offs | 143.1846% | 1,642 |
| Earnings coverage of net charge-offs (x) | 0.3727% | 4,742 |
| Efficiency ratio | 95.5476% | 647 |
| Assets per employee ($millions) | 5.7855% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,373 |
| Loan loss allowance to noncurrent loans | 41.8806% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 3.2283% | 1,102 |
| Noncurrent loans to loans | 4.2466% | 806 |
| Net loans and leases to total assets | 68.7484% | 2,190 |
| Net loans and leases to deposits | 86.8503% | 1,511 |
| Net loans and leases to core deposits | 118.6358% | 346 |
| Total domestic deposits to total assets | 79.1574% | 5,713 |
| Equity capital to assets | 10.8645% | 2,900 |
| Core capital (leverage) ratio | 10.0663% | 3,574 |
| Tier 1 risk-based capital ratio | 14.4501% | 4,105 |
| Total risk-based capital ratio | 15.7075% | 4,061 |
| Memoranda: | ||
| Average total assets | $290,544,750 | 2,213 |
| Average earning assets | $272,228,750 | 2,168 |
| Average equity | $32,529,000 | 2,122 |
| Average total loans | $197,384,500 | 2,024 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 2,120 |
| Cost of funding earning assets | 0.5636% | 3,276 |
| Net interest margin | 3.9559% | 2,024 |
| Noninterest income to average assets | 0.6964% | 2,663 |
| Noninterest expense to average assets | 4.0802% | 790 |
| Loan and lease loss provision to assets | 0.8395% | 248 |
| Net operating income to assets | -0.5267% | 6,644 |
| Return on assets (ROA) | -0.4425% | 6,636 |
| Pretax return on assets | -0.4425% | 6,607 |
| Return on Equity (ROE) | -3.9111% | 6,615 |
| Retained earnings to average equity (ytd only) | -3.9111% | 6,390 |
| Net charge-offs to loans | -0.0720% | 6,392 |
| Credit loss provision to net charge-offs | -1,734.7826% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7944% | 905 |
| Assets per employee ($millions) | 5.1795% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3556% | 1,163 |
| Loan loss allowance to noncurrent loans | 44.7613% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 4.5950% | 704 |
| Noncurrent loans to loans | 5.2626% | 591 |
| Net loans and leases to total assets | 70.0272% | 1,873 |
| Net loans and leases to deposits | 86.0799% | 1,568 |
| Net loans and leases to core deposits | 115.9427% | 390 |
| Total domestic deposits to total assets | 81.3514% | 5,245 |
| Equity capital to assets | 11.3588% | 2,417 |
| Core capital (leverage) ratio | 10.4667% | 2,926 |
| Tier 1 risk-based capital ratio | 14.6171% | 4,023 |
| Total risk-based capital ratio | 15.8814% | 3,974 |
| Memoranda: | ||
| Average total assets | $285,182,670 | 2,254 |
| Average earning assets | $266,485,330 | 2,220 |
| Average equity | $32,267,330 | 2,139 |
| Average total loans | $191,639,000 | 2,085 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,802 |
| Cost of funding earning assets | 0.5713% | 3,364 |
| Net interest margin | 3.7501% | 2,665 |
| Noninterest income to average assets | 1.1670% | 1,100 |
| Noninterest expense to average assets | 4.0552% | 833 |
| Loan and lease loss provision to assets | 0.4835% | 559 |
| Net operating income to assets | 0.1389% | 6,071 |
| Return on assets (ROA) | 0.1389% | 6,168 |
| Pretax return on assets | 0.1389% | 6,194 |
| Return on Equity (ROE) | 1.2302% | 6,169 |
| Retained earnings to average equity (ytd only) | 1.2302% | 5,360 |
| Net charge-offs to loans | 0.0577% | 3,247 |
| Credit loss provision to net charge-offs | 1,288.8889% | 249 |
| Earnings coverage of net charge-offs (x) | 16.5926% | 1,362 |
| Efficiency ratio | 85.6846% | 1,553 |
| Assets per employee ($millions) | 5.3415% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 2,145 |
| Loan loss allowance to noncurrent loans | 36.3820% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 4.3430% | 865 |
| Noncurrent loans to loans | 5.3880% | 684 |
| Net loans and leases to total assets | 64.3331% | 2,643 |
| Net loans and leases to deposits | 78.6590% | 2,254 |
| Net loans and leases to core deposits | 108.6219% | 544 |
| Total domestic deposits to total assets | 81.7874% | 5,272 |
| Equity capital to assets | 11.3328% | 2,599 |
| Core capital (leverage) ratio | 10.2000% | 3,148 |
| Tier 1 risk-based capital ratio | 15.6766% | 3,441 |
| Total risk-based capital ratio | 16.9362% | 3,399 |
| Memoranda: | ||
| Average total assets | $287,927,000 | 2,266 |
| Average earning assets | $269,540,000 | 2,219 |
| Average equity | $32,516,000 | 2,152 |
| Average total loans | $187,165,000 | 2,148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 4,668 |
| Cost of funding earning assets | 0.6738% | 3,699 |
| Net interest margin | 3.5046% | 4,485 |
| Noninterest income to average assets | 0.7320% | 2,578 |
| Noninterest expense to average assets | 4.1558% | 818 |
| Loan and lease loss provision to assets | 0.4857% | 1,258 |
| Net operating income to assets | -0.6609% | 6,634 |
| Return on assets (ROA) | -0.6672% | 6,669 |
| Pretax return on assets | -0.6672% | 6,644 |
| Return on Equity (ROE) | -5.8604% | 6,623 |
| Retained earnings to average equity (ytd only) | -5.8604% | 6,475 |
| Net charge-offs to loans | 0.0019% | 5,966 |
| Credit loss provision to net charge-offs | 46,733.3333% | 2 |
| Earnings coverage of net charge-offs (x) | -168.6667% | 5,981 |
| Efficiency ratio | 103.2112% | 456 |
| Assets per employee ($millions) | 5.0369% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 2,281 |
| Loan loss allowance to noncurrent loans | 30.9309% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 4.6616% | 874 |
| Noncurrent loans to loans | 6.1597% | 575 |
| Net loans and leases to total assets | 63.1374% | 3,030 |
| Net loans and leases to deposits | 77.6479% | 2,581 |
| Net loans and leases to core deposits | 104.8106% | 740 |
| Total domestic deposits to total assets | 81.3124% | 5,306 |
| Equity capital to assets | 11.2519% | 2,685 |
| Core capital (leverage) ratio | 10.1335% | 3,229 |
| Tier 1 risk-based capital ratio | 16.1563% | 3,077 |
| Total risk-based capital ratio | 17.4151% | 3,022 |
| Memoranda: | ||
| Average total assets | $288,678,000 | 2,216 |
| Average earning assets | $267,588,800 | 2,172 |
| Average equity | $32,864,400 | 2,098 |
| Average total loans | $160,815,400 | 2,416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 5,062 |
| Cost of funding earning assets | 0.6917% | 3,841 |
| Net interest margin | 3.4426% | 4,868 |
| Noninterest income to average assets | 0.8781% | 1,917 |
| Noninterest expense to average assets | 3.9751% | 965 |
| Loan and lease loss provision to assets | 0.5166% | 1,175 |
| Net operating income to assets | -0.4298% | 6,664 |
| Return on assets (ROA) | -0.4546% | 6,716 |
| Pretax return on assets | -0.4546% | 6,686 |
| Return on Equity (ROE) | -3.9823% | 6,672 |
| Retained earnings to average equity (ytd only) | -3.9823% | 6,550 |
| Net charge-offs to loans | -0.0248% | 6,540 |
| Credit loss provision to net charge-offs | -3,879.3103% | 6,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7100% | 649 |
| Assets per employee ($millions) | 4.9357% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 2,326 |
| Loan loss allowance to noncurrent loans | 28.3422% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 4.6441% | 984 |
| Noncurrent loans to loans | 6.8762% | 535 |
| Net loans and leases to total assets | 55.5284% | 4,520 |
| Net loans and leases to deposits | 68.1558% | 4,160 |
| Net loans and leases to core deposits | 100.7345% | 1,069 |
| Total domestic deposits to total assets | 81.4727% | 5,200 |
| Equity capital to assets | 11.2806% | 2,958 |
| Core capital (leverage) ratio | 10.1267% | 3,362 |
| Tier 1 risk-based capital ratio | 18.0417% | 2,318 |
| Total risk-based capital ratio | 19.6618% | 2,171 |
| Memoranda: | ||
| Average total assets | $290,330,250 | 2,228 |
| Average earning assets | $268,511,250 | 2,191 |
| Average equity | $33,146,000 | 2,098 |
| Average total loans | $155,631,750 | 2,526 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 5,215 |
| Cost of funding earning assets | 0.6813% | 4,174 |
| Net interest margin | 3.4445% | 4,904 |
| Noninterest income to average assets | 1.0454% | 1,328 |
| Noninterest expense to average assets | 3.9953% | 944 |
| Loan and lease loss provision to assets | 0.6889% | 805 |
| Net operating income to assets | -0.4558% | 6,713 |
| Return on assets (ROA) | -0.4834% | 6,767 |
| Pretax return on assets | -0.4834% | 6,739 |
| Return on Equity (ROE) | -4.2172% | 6,736 |
| Retained earnings to average equity (ytd only) | -4.2172% | 6,568 |
| Net charge-offs to loans | 0.0052% | 5,428 |
| Credit loss provision to net charge-offs | 24,975.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 487 |
| Efficiency ratio | 93.3790% | 838 |
| Assets per employee ($millions) | 5.3896% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 2,399 |
| Loan loss allowance to noncurrent loans | 29.7632% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 4.2675% | 1,170 |
| Noncurrent loans to loans | 6.5283% | 642 |
| Net loans and leases to total assets | 51.9941% | 5,100 |
| Net loans and leases to deposits | 65.5526% | 4,563 |
| Net loans and leases to core deposits | 98.5397% | 1,215 |
| Total domestic deposits to total assets | 79.3166% | 5,896 |
| Equity capital to assets | 11.1761% | 2,922 |
| Core capital (leverage) ratio | 10.0344% | 3,380 |
| Tier 1 risk-based capital ratio | 17.8925% | 2,328 |
| Total risk-based capital ratio | 19.5005% | 2,180 |
| Memoranda: | ||
| Average total assets | $290,037,670 | 2,229 |
| Average earning assets | $268,019,000 | 2,204 |
| Average equity | $33,244,670 | 2,076 |
| Average total loans | $152,536,670 | 2,573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 4,708 |
| Cost of funding earning assets | 0.7020% | 4,265 |
| Net interest margin | 3.6042% | 4,254 |
| Noninterest income to average assets | 0.4867% | 4,010 |
| Noninterest expense to average assets | 3.9478% | 997 |
| Loan and lease loss provision to assets | 0.2217% | 2,734 |
| Net operating income to assets | -0.3681% | 6,748 |
| Return on assets (ROA) | -0.3207% | 6,759 |
| Pretax return on assets | -0.3207% | 6,743 |
| Return on Equity (ROE) | -2.7626% | 6,743 |
| Retained earnings to average equity (ytd only) | -2.7626% | 6,371 |
| Net charge-offs to loans | -0.2503% | 7,030 |
| Credit loss provision to net charge-offs | -169.1489% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6045% | 482 |
| Assets per employee ($millions) | 5.7391% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 3,972 |
| Loan loss allowance to noncurrent loans | 28.4013% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 3.5361% | 1,619 |
| Noncurrent loans to loans | 5.4345% | 986 |
| Net loans and leases to total assets | 51.4176% | 5,088 |
| Net loans and leases to deposits | 65.5348% | 4,430 |
| Net loans and leases to core deposits | 96.6893% | 1,236 |
| Total domestic deposits to total assets | 78.4586% | 6,197 |
| Equity capital to assets | 11.5674% | 2,376 |
| Core capital (leverage) ratio | 10.3543% | 2,928 |
| Tier 1 risk-based capital ratio | 18.5798% | 2,120 |
| Total risk-based capital ratio | 20.2433% | 1,950 |
| Memoranda: | ||
| Average total assets | $286,843,500 | 2,268 |
| Average earning assets | $263,805,000 | 2,249 |
| Average equity | $33,302,500 | 2,078 |
| Average total loans | $150,216,000 | 2,629 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 4,199 |
| Cost of funding earning assets | 0.8457% | 4,497 |
| Net interest margin | 3.8639% | 3,500 |
| Noninterest income to average assets | 1.0621% | 1,189 |
| Noninterest expense to average assets | 4.3738% | 671 |
| Loan and lease loss provision to assets | 0.3191% | 3,131 |
| Net operating income to assets | -0.0711% | 6,132 |
| Return on assets (ROA) | 0.0301% | 6,105 |
| Pretax return on assets | 0.0301% | 6,073 |
| Return on Equity (ROE) | 0.2586% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.2586% | 5,709 |
| Net charge-offs to loans | 0.6980% | 2,411 |
| Credit loss provision to net charge-offs | 84.4569% | 4,263 |
| Earnings coverage of net charge-offs (x) | 0.6564% | 5,329 |
| Efficiency ratio | 93.5773% | 949 |
| Assets per employee ($millions) | 5.6222% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 5,478 |
| Loan loss allowance to noncurrent loans | 20.8871% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 2.9721% | 2,023 |
| Noncurrent loans to loans | 5.6597% | 922 |
| Net loans and leases to total assets | 51.8929% | 5,329 |
| Net loans and leases to deposits | 66.1460% | 4,710 |
| Net loans and leases to core deposits | 87.6656% | 2,407 |
| Total domestic deposits to total assets | 78.4521% | 6,103 |
| Equity capital to assets | 11.6527% | 2,383 |
| Core capital (leverage) ratio | 10.4509% | 2,786 |
| Tier 1 risk-based capital ratio | 18.8906% | 1,935 |
| Total risk-based capital ratio | 20.0280% | 1,924 |
| Memoranda: | ||
| Average total assets | $282,636,200 | 2,243 |
| Average earning assets | $260,386,000 | 2,235 |
| Average equity | $32,870,400 | 2,028 |
| Average total loans | $153,007,000 | 2,602 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 4,589 |
| Cost of funding earning assets | 0.8654% | 4,663 |
| Net interest margin | 3.8055% | 3,848 |
| Noninterest income to average assets | 0.1160% | 6,682 |
| Noninterest expense to average assets | 3.7171% | 1,461 |
| Loan and lease loss provision to assets | 0.3324% | 2,887 |
| Net operating income to assets | -0.4294% | 6,600 |
| Return on assets (ROA) | -0.3205% | 6,573 |
| Pretax return on assets | -0.3205% | 6,512 |
| Return on Equity (ROE) | -2.7574% | 6,544 |
| Retained earnings to average equity (ytd only) | -2.7574% | 6,391 |
| Net charge-offs to loans | 0.3290% | 3,448 |
| Credit loss provision to net charge-offs | 185.2243% | 1,586 |
| Earnings coverage of net charge-offs (x) | -0.5409% | 5,847 |
| Efficiency ratio | 101.3210% | 623 |
| Assets per employee ($millions) | 5.5955% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 6,014 |
| Loan loss allowance to noncurrent loans | 15.3359% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 3.9403% | 1,558 |
| Noncurrent loans to loans | 6.9231% | 720 |
| Net loans and leases to total assets | 56.3113% | 4,794 |
| Net loans and leases to deposits | 72.7699% | 3,839 |
| Net loans and leases to core deposits | 96.9544% | 1,512 |
| Total domestic deposits to total assets | 77.3827% | 6,314 |
| Equity capital to assets | 12.2439% | 2,061 |
| Core capital (leverage) ratio | 10.8778% | 2,492 |
| Tier 1 risk-based capital ratio | 17.7301% | 2,355 |
| Total risk-based capital ratio | 18.7304% | 2,423 |
| Memoranda: | ||
| Average total assets | $281,612,000 | 2,263 |
| Average earning assets | $259,300,750 | 2,250 |
| Average equity | $32,735,000 | 2,029 |
| Average total loans | $153,615,250 | 2,615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 4,843 |
| Cost of funding earning assets | 0.8728% | 4,880 |
| Net interest margin | 3.7579% | 3,995 |
| Noninterest income to average assets | 0.1245% | 6,707 |
| Noninterest expense to average assets | 3.7062% | 1,517 |
| Loan and lease loss provision to assets | 0.3784% | 2,523 |
| Net operating income to assets | -0.4910% | 6,679 |
| Return on assets (ROA) | -0.3315% | 6,599 |
| Pretax return on assets | -0.3315% | 6,550 |
| Return on Equity (ROE) | -2.9004% | 6,585 |
| Retained earnings to average equity (ytd only) | -2.9004% | 6,365 |
| Net charge-offs to loans | 0.6161% | 2,289 |
| Credit loss provision to net charge-offs | 114.1350% | 2,682 |
| Earnings coverage of net charge-offs (x) | -0.3397% | 5,470 |
| Efficiency ratio | 101.8100% | 666 |
| Assets per employee ($millions) | 4.9944% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 6,666 |
| Loan loss allowance to noncurrent loans | 8.8506% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 5.5062% | 1,074 |
| Noncurrent loans to loans | 10.1388% | 375 |
| Net loans and leases to total assets | 53.8205% | 5,319 |
| Net loans and leases to deposits | 68.9393% | 4,570 |
| Net loans and leases to core deposits | 92.2704% | 2,094 |
| Total domestic deposits to total assets | 78.0694% | 6,276 |
| Equity capital to assets | 11.6863% | 2,337 |
| Core capital (leverage) ratio | 10.4858% | 2,725 |
| Tier 1 risk-based capital ratio | 16.7981% | 2,608 |
| Total risk-based capital ratio | 17.5894% | 2,785 |
| Memoranda: | ||
| Average total assets | $285,955,330 | 2,243 |
| Average earning assets | $263,978,000 | 2,222 |
| Average equity | $32,685,000 | 2,018 |
| Average total loans | $153,865,330 | 2,626 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 4,382 |
| Cost of funding earning assets | 0.8467% | 5,289 |
| Net interest margin | 3.8804% | 3,237 |
| Noninterest income to average assets | 0.0996% | 6,918 |
| Noninterest expense to average assets | 3.6349% | 1,688 |
| Loan and lease loss provision to assets | 0.5120% | 1,701 |
| Net operating income to assets | -0.4580% | 6,781 |
| Return on assets (ROA) | -0.4691% | 6,795 |
| Pretax return on assets | -0.4691% | 6,737 |
| Return on Equity (ROE) | -4.1487% | 6,752 |
| Retained earnings to average equity (ytd only) | -4.1487% | 6,433 |
| Net charge-offs to loans | 0.7284% | 1,759 |
| Credit loss provision to net charge-offs | 131.2057% | 2,109 |
| Earnings coverage of net charge-offs (x) | 0.1383% | 4,496 |
| Efficiency ratio | 97.2618% | 865 |
| Assets per employee ($millions) | 5.3440% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,798 |
| Loan loss allowance to noncurrent loans | 11.1704% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 4.2322% | 1,555 |
| Noncurrent loans to loans | 7.7203% | 665 |
| Net loans and leases to total assets | 54.3462% | 5,254 |
| Net loans and leases to deposits | 69.1804% | 4,501 |
| Net loans and leases to core deposits | 92.0974% | 2,118 |
| Total domestic deposits to total assets | 78.5573% | 6,282 |
| Equity capital to assets | 11.4856% | 2,288 |
| Core capital (leverage) ratio | 10.3803% | 2,722 |
| Tier 1 risk-based capital ratio | 15.5419% | 3,141 |
| Total risk-based capital ratio | 16.2586% | 3,381 |
| Memoranda: | ||
| Average total assets | $289,089,500 | 2,240 |
| Average earning assets | $267,396,500 | 2,217 |
| Average equity | $32,685,000 | 2,003 |
| Average total loans | $154,852,000 | 2,633 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1900% | 7,465 |
| Cost of funding earning assets | 0.5773% | 7,170 |
| Net interest margin | 2.6127% | 7,193 |
| Noninterest income to average assets | 0.4928% | 4,224 |
| Noninterest expense to average assets | 3.7780% | 1,530 |
| Loan and lease loss provision to assets | 0.8480% | 1,931 |
| Net operating income to assets | -1.6805% | 6,963 |
| Return on assets (ROA) | -1.5226% | 6,933 |
| Pretax return on assets | -1.5226% | 6,864 |
| Return on Equity (ROE) | -13.4959% | 6,867 |
| Retained earnings to average equity (ytd only) | -13.4959% | 6,820 |
| Net charge-offs to loans | 1.0549% | 2,093 |
| Credit loss provision to net charge-offs | 154.6735% | 2,291 |
| Earnings coverage of net charge-offs (x) | -1.5186% | 6,679 |
| Efficiency ratio | 128.2650% | 332 |
| Assets per employee ($millions) | 5.1745% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 6,945 |
| Loan loss allowance to noncurrent loans | 9.6401% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 5.1766% | 1,221 |
| Noncurrent loans to loans | 8.4027% | 591 |
| Net loans and leases to total assets | 51.9375% | 5,917 |
| Net loans and leases to deposits | 65.5413% | 5,448 |
| Net loans and leases to core deposits | 85.3899% | 3,414 |
| Total domestic deposits to total assets | 79.2439% | 6,021 |
| Equity capital to assets | 11.1339% | 2,564 |
| Core capital (leverage) ratio | 10.0680% | 3,007 |
| Tier 1 risk-based capital ratio | 16.0290% | 2,734 |
| Total risk-based capital ratio | 16.7124% | 2,977 |
| Memoranda: | ||
| Average total assets | $142,454,800 | 4,016 |
| Average earning assets | $133,730,400 | 3,934 |
| Average equity | $16,071,600 | 3,744 |
| Average total loans | $74,036,200 | 4,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 7,109 |
| Cost of funding earning assets | 0.7956% | 6,779 |
| Net interest margin | 3.3921% | 5,710 |
| Noninterest income to average assets | 0.1470% | 6,810 |
| Noninterest expense to average assets | 5.1143% | 347 |
| Loan and lease loss provision to assets | 1.1016% | 1,320 |
| Net operating income to assets | -2.8651% | 7,422 |
| Return on assets (ROA) | -2.5789% | 7,388 |
| Pretax return on assets | -2.5789% | 7,343 |
| Return on Equity (ROE) | -22.6486% | 7,272 |
| Retained earnings to average equity (ytd only) | -22.6486% | 7,257 |
| Net charge-offs to loans | 1.2607% | 1,616 |
| Credit loss provision to net charge-offs | 169.0196% | 2,203 |
| Earnings coverage of net charge-offs (x) | -2.7059% | 6,555 |
| Efficiency ratio | 152.6316% | 192 |
| Assets per employee ($millions) | 3.6478% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 2,367 |
| Loan loss allowance to noncurrent loans | 34.6993% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 3.2064% | 2,232 |
| Noncurrent loans to loans | 5.6015% | 1,172 |
| Net loans and leases to total assets | 56.1298% | 5,530 |
| Net loans and leases to deposits | 63.5773% | 5,964 |
| Net loans and leases to core deposits | 105.4896% | 1,361 |
| Total domestic deposits to total assets | 88.2859% | 1,807 |
| Equity capital to assets | 10.4814% | 3,544 |
| Core capital (leverage) ratio | 10.2558% | 2,981 |
| Tier 1 risk-based capital ratio | 20.0891% | 1,528 |
| Total risk-based capital ratio | 21.3236% | 1,500 |
| Memoranda: | ||
| Average total assets | $104,332,250 | 4,924 |
| Average earning assets | $98,540,750 | 4,823 |
| Average equity | $11,879,750 | 4,711 |
| Average total loans | $53,935,750 | 5,395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 7,379 |
| Cost of funding earning assets | 0.8219% | 6,843 |
| Net interest margin | 3.1604% | 6,430 |
| Noninterest income to average assets | 0.1502% | 6,812 |
| Noninterest expense to average assets | 5.0882% | 354 |
| Loan and lease loss provision to assets | 1.4560% | 914 |
| Net operating income to assets | -3.3800% | 7,563 |
| Return on assets (ROA) | -2.9486% | 7,508 |
| Pretax return on assets | -2.9486% | 7,458 |
| Return on Equity (ROE) | -25.2148% | 7,374 |
| Retained earnings to average equity (ytd only) | -25.2148% | 7,358 |
| Net charge-offs to loans | 1.6741% | 1,120 |
| Credit loss provision to net charge-offs | 174.5958% | 2,241 |
| Earnings coverage of net charge-offs (x) | -2.3072% | 6,228 |
| Efficiency ratio | 160.8034% | 175 |
| Assets per employee ($millions) | 3.8495% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 2,245 |
| Loan loss allowance to noncurrent loans | 43.7119% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.4344% | 2,960 |
| Noncurrent loans to loans | 4.5153% | 1,609 |
| Net loans and leases to total assets | 52.8515% | 6,122 |
| Net loans and leases to deposits | 59.8928% | 6,422 |
| Net loans and leases to core deposits | 117.7101% | 778 |
| Total domestic deposits to total assets | 88.2435% | 1,855 |
| Equity capital to assets | 10.6432% | 3,227 |
| Core capital (leverage) ratio | 10.5079% | 2,629 |
| Tier 1 risk-based capital ratio | 22.5846% | 1,114 |
| Total risk-based capital ratio | 23.8227% | 1,092 |
| Memoranda: | ||
| Average total assets | $103,847,330 | 4,969 |
| Average earning assets | $99,038,000 | 4,840 |
| Average equity | $12,143,670 | 4,642 |
| Average total loans | $51,729,330 | 5,531 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 7,599 |
| Cost of funding earning assets | 0.8538% | 6,928 |
| Net interest margin | 2.9203% | 6,984 |
| Noninterest income to average assets | 0.1963% | 6,555 |
| Noninterest expense to average assets | 5.1159% | 338 |
| Loan and lease loss provision to assets | 2.0456% | 538 |
| Net operating income to assets | -4.1854% | 7,727 |
| Return on assets (ROA) | -3.6829% | 7,697 |
| Pretax return on assets | -3.6829% | 7,661 |
| Return on Equity (ROE) | -30.0653% | 7,572 |
| Retained earnings to average equity (ytd only) | -30.0653% | 7,543 |
| Net charge-offs to loans | 2.7855% | 571 |
| Credit loss provision to net charge-offs | 154.1420% | 2,321 |
| Earnings coverage of net charge-offs (x) | -1.6124% | 5,438 |
| Efficiency ratio | 171.8997% | 136 |
| Assets per employee ($millions) | 3.7294% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 2,744 |
| Loan loss allowance to noncurrent loans | 24.2038% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 3.6084% | 1,945 |
| Noncurrent loans to loans | 7.4223% | 774 |
| Net loans and leases to total assets | 47.7428% | 6,699 |
| Net loans and leases to deposits | 54.6249% | 6,877 |
| Net loans and leases to core deposits | 107.7156% | 1,441 |
| Total domestic deposits to total assets | 87.4011% | 2,411 |
| Equity capital to assets | 11.5435% | 2,328 |
| Core capital (leverage) ratio | 11.4061% | 1,963 |
| Tier 1 risk-based capital ratio | 24.3126% | 934 |
| Total risk-based capital ratio | 25.5331% | 919 |
| Memoranda: | ||
| Average total assets | $101,877,500 | 5,094 |
| Average earning assets | $96,977,000 | 4,952 |
| Average equity | $12,479,500 | 4,595 |
| Average total loans | $48,537,000 | 5,733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 7,713 |
| Cost of funding earning assets | 1.3045% | 6,292 |
| Net interest margin | 2.6460% | 7,287 |
| Noninterest income to average assets | 1.2721% | 934 |
| Noninterest expense to average assets | 6.7937% | 220 |
| Loan and lease loss provision to assets | 0.8690% | 2,570 |
| Net operating income to assets | -3.2747% | 7,458 |
| Return on assets (ROA) | -3.2592% | 7,455 |
| Pretax return on assets | -3.8476% | 7,498 |
| Return on Equity (ROE) | -17.9950% | 7,079 |
| Retained earnings to average equity (ytd only) | -17.9950% | 7,033 |
| Net charge-offs to loans | 0.9569% | 2,490 |
| Credit loss provision to net charge-offs | 203.6697% | 1,900 |
| Earnings coverage of net charge-offs (x) | -7.0245% | 7,137 |
| Efficiency ratio | 178.9347% | 189 |
| Assets per employee ($millions) | 3.6790% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,392 |
| Loan loss allowance to noncurrent loans | 68.1648% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 4,942 |
| Noncurrent loans to loans | 2.3063% | 3,280 |
| Net loans and leases to total assets | 45.8861% | 6,988 |
| Net loans and leases to deposits | 53.6229% | 7,077 |
| Net loans and leases to core deposits | 84.9406% | 5,627 |
| Total domestic deposits to total assets | 85.5718% | 3,243 |
| Equity capital to assets | 12.9917% | 1,509 |
| Core capital (leverage) ratio | 12.9338% | 1,271 |
| Tier 1 risk-based capital ratio | 29.8304% | 533 |
| Total risk-based capital ratio | 31.0850% | 516 |
| Memoranda: | ||
| Average total assets | $76,644,200 | 5,820 |
| Average earning assets | $73,129,000 | 5,714 |
| Average equity | $13,881,600 | 4,287 |
| Average total loans | $34,173,400 | 6,387 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 7,838 |
| Cost of funding earning assets | 1.4018% | 6,222 |
| Net interest margin | 2.4860% | 7,477 |
| Noninterest income to average assets | 0.1146% | 7,322 |
| Noninterest expense to average assets | 6.7668% | 216 |
| Loan and lease loss provision to assets | 0.7702% | 2,448 |
| Net operating income to assets | -5.0404% | 7,843 |
| Return on assets (ROA) | -5.0141% | 7,844 |
| Pretax return on assets | -5.0141% | 7,812 |
| Return on Equity (ROE) | -25.1921% | 7,509 |
| Retained earnings to average equity (ytd only) | -25.1921% | 7,488 |
| Net charge-offs to loans | 1.2545% | 1,631 |
| Credit loss provision to net charge-offs | 139.9317% | 3,522 |
| Earnings coverage of net charge-offs (x) | -7.7576% | 6,886 |
| Efficiency ratio | 271.0309% | 77 |
| Assets per employee ($millions) | 3.0959% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,879 |
| Loan loss allowance to noncurrent loans | 30.2326% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 3,556 |
| Noncurrent loans to loans | 4.1154% | 1,776 |
| Net loans and leases to total assets | 44.8219% | 7,189 |
| Net loans and leases to deposits | 53.0610% | 7,254 |
| Net loans and leases to core deposits | 60.1210% | 7,394 |
| Total domestic deposits to total assets | 84.4724% | 3,489 |
| Equity capital to assets | 14.1844% | 1,242 |
| Core capital (leverage) ratio | 14.1203% | 1,061 |
| Tier 1 risk-based capital ratio | 27.5727% | 703 |
| Total risk-based capital ratio | 28.6762% | 698 |
| Memoranda: | ||
| Average total assets | $70,972,000 | 6,014 |
| Average earning assets | $68,006,500 | 5,906 |
| Average equity | $14,125,750 | 4,262 |
| Average total loans | $31,139,750 | 6,621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 7,969 |
| Cost of funding earning assets | 1.4380% | 6,356 |
| Net interest margin | 2.3625% | 7,614 |
| Noninterest income to average assets | 0.0804% | 7,578 |
| Noninterest expense to average assets | 6.9951% | 220 |
| Loan and lease loss provision to assets | 0.6089% | 2,616 |
| Net operating income to assets | -5.2487% | 7,955 |
| Return on assets (ROA) | -5.2054% | 7,944 |
| Pretax return on assets | -5.2054% | 7,886 |
| Return on Equity (ROE) | -23.0854% | 7,592 |
| Retained earnings to average equity (ytd only) | -23.0854% | 7,551 |
| Net charge-offs to loans | -0.0644% | 7,887 |
| Credit loss provision to net charge-offs | -2,188.8889% | 7,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 296.9816% | 83 |
| Assets per employee ($millions) | 3.2458% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,011 |
| Loan loss allowance to noncurrent loans | 29.3307% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 2.6085% | 2,468 |
| Noncurrent loans to loans | 6.1821% | 879 |
| Net loans and leases to total assets | 41.4288% | 7,481 |
| Net loans and leases to deposits | 51.2067% | 7,423 |
| Net loans and leases to core deposits | 94.1151% | 5,102 |
| Total domestic deposits to total assets | 80.9050% | 5,111 |
| Equity capital to assets | 17.5738% | 598 |
| Core capital (leverage) ratio | 17.5357% | 558 |
| Tier 1 risk-based capital ratio | 35.0246% | 415 |
| Total risk-based capital ratio | 36.2687% | 410 |
| Memoranda: | ||
| Average total assets | $64,702,000 | 6,273 |
| Average earning assets | $62,307,670 | 6,135 |
| Average equity | $14,589,330 | 4,184 |
| Average total loans | $27,936,670 | 6,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 8,011 |
| Cost of funding earning assets | 1.5147% | 6,361 |
| Net interest margin | 2.4048% | 7,605 |
| Noninterest income to average assets | 0.1033% | 7,523 |
| Noninterest expense to average assets | 7.5315% | 176 |
| Loan and lease loss provision to assets | 0.4612% | 2,624 |
| Net operating income to assets | -5.5832% | 8,069 |
| Return on assets (ROA) | -5.5625% | 8,063 |
| Pretax return on assets | -5.5625% | 8,021 |
| Return on Equity (ROE) | -21.4908% | 7,786 |
| Retained earnings to average equity (ytd only) | -21.4908% | 7,689 |
| Net charge-offs to loans | -0.1413% | 7,959 |
| Credit loss provision to net charge-offs | -744.4444% | 6,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 312.5714% | 77 |
| Assets per employee ($millions) | 2.8040% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 1,937 |
| Loan loss allowance to noncurrent loans | 49.2600% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 3,838 |
| Noncurrent loans to loans | 3.5846% | 1,759 |
| Net loans and leases to total assets | 38.5233% | 7,643 |
| Net loans and leases to deposits | 50.2910% | 7,480 |
| Net loans and leases to core deposits | 58.7389% | 7,506 |
| Total domestic deposits to total assets | 76.6007% | 6,381 |
| Equity capital to assets | 21.7513% | 315 |
| Core capital (leverage) ratio | 21.6256% | 324 |
| Tier 1 risk-based capital ratio | 44.7325% | 252 |
| Total risk-based capital ratio | 45.9855% | 251 |
| Memoranda: | ||
| Average total assets | $58,103,000 | 6,544 |
| Average earning assets | $55,721,000 | 6,428 |
| Average equity | $15,039,000 | 4,135 |
| Average total loans | $25,470,500 | 7,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 8,094 |
| Cost of funding earning assets | 1.0176% | 8,046 |
| Net interest margin | 3.0801% | 6,706 |
| Noninterest income to average assets | 0.0514% | 7,882 |
| Noninterest expense to average assets | 9.7977% | 148 |
| Loan and lease loss provision to assets | 0.9232% | 1,612 |
| Net operating income to assets | -7.7690% | 8,218 |
| Return on assets (ROA) | -7.7129% | 8,211 |
| Pretax return on assets | -7.7129% | 8,191 |
| Return on Equity (ROE) | -19.2784% | 7,746 |
| Retained earnings to average equity (ytd only) | -19.2784% | 7,659 |
| Net charge-offs to loans | 0.0632% | 5,870 |
| Credit loss provision to net charge-offs | 4,937.5000% | 104 |
| Earnings coverage of net charge-offs (x) | -366.1250% | 7,027 |
| Efficiency ratio | 331.9082% | 86 |
| Assets per employee ($millions) | 2.1265% | 7,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 2,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.3999% | 7,080 |
| Net loans and leases to deposits | 74.4905% | 5,790 |
| Net loans and leases to core deposits | 107.8616% | 3,984 |
| Total domestic deposits to total assets | 66.3170% | 7,638 |
| Equity capital to assets | 31.5688% | 155 |
| Core capital (leverage) ratio | 31.4258% | 168 |
| Tier 1 risk-based capital ratio | 53.5059% | 186 |
| Total risk-based capital ratio | 54.7548% | 186 |
| Memoranda: | ||
| Average total assets | $42,785,400 | 7,088 |
| Average earning assets | $40,291,400 | 7,030 |
| Average equity | $17,117,600 | 3,716 |
| Average total loans | $12,656,400 | 7,790 |