Home > Connecticut Community Bank > Performance and Condition Ratios
Connecticut Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,009 |
| Cost of funding earning assets | 0.7822% | 3,783 |
| Net interest margin | 4.8421% | 395 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 3.2635% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1641% | 1,741 |
| Return on assets (ROA) | 1.1641% | 1,718 |
| Pretax return on assets | 1.4570% | 1,518 |
| Return on Equity (ROE) | 9.7100% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.7070% | 1,090 |
| Net charge-offs to loans | -0.1730% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.1341% | 1,997 |
| Assets per employee ($millions) | 6.1000% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,381 |
| Loan loss allowance to noncurrent loans | 2,769.8529% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,537 |
| Noncurrent loans to loans | 0.0428% | 3,417 |
| Net loans and leases to total assets | 57.2200% | 3,105 |
| Net loans and leases to deposits | 66.9303% | 3,112 |
| Net loans and leases to core deposits | 70.5556% | 3,275 |
| Total domestic deposits to total assets | 85.4900% | 2,164 |
| Equity capital to assets | 12.8923% | 877 |
| Core capital (leverage) ratio | 11.6441% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $564,637,600 | 1,567 |
| Average earning assets | $535,654,000 | 1,532 |
| Average equity | $67,714,000 | 1,277 |
| Average total loans | $316,764,400 | 1,737 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 946 |
| Cost of funding earning assets | 0.6877% | 3,792 |
| Net interest margin | 4.8779% | 370 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 3.1898% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2872% | 1,571 |
| Return on assets (ROA) | 1.2872% | 1,559 |
| Pretax return on assets | 1.5663% | 1,422 |
| Return on Equity (ROE) | 10.9300% | 2,391 |
| Retained earnings to average equity (ytd only) | 10.9316% | 1,167 |
| Net charge-offs to loans | -0.2119% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.0677% | 2,136 |
| Assets per employee ($millions) | 6.1855% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,474 |
| Loan loss allowance to noncurrent loans | 692.0074% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 2,908 |
| Noncurrent loans to loans | 0.1706% | 2,686 |
| Net loans and leases to total assets | 57.9100% | 3,035 |
| Net loans and leases to deposits | 67.7911% | 2,994 |
| Net loans and leases to core deposits | 71.3357% | 3,143 |
| Total domestic deposits to total assets | 85.4300% | 2,376 |
| Equity capital to assets | 12.9431% | 825 |
| Core capital (leverage) ratio | 11.2380% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $568,548,000 | 1,559 |
| Average earning assets | $539,210,500 | 1,527 |
| Average equity | $66,948,000 | 1,283 |
| Average total loans | $316,480,750 | 1,736 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 853 |
| Cost of funding earning assets | 0.5488% | 3,886 |
| Net interest margin | 4.9332% | 338 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 3.1506% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4077% | 1,309 |
| Return on assets (ROA) | 1.4077% | 1,292 |
| Pretax return on assets | 1.6582% | 1,302 |
| Return on Equity (ROE) | 12.3300% | 2,059 |
| Retained earnings to average equity (ytd only) | 12.3337% | 923 |
| Net charge-offs to loans | -0.3074% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.5167% | 2,309 |
| Assets per employee ($millions) | 6.4990% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,472 |
| Loan loss allowance to noncurrent loans | 682.5046% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 2,864 |
| Noncurrent loans to loans | 0.1751% | 2,606 |
| Net loans and leases to total assets | 54.1900% | 3,259 |
| Net loans and leases to deposits | 62.7109% | 3,265 |
| Net loans and leases to core deposits | 65.5914% | 3,374 |
| Total domestic deposits to total assets | 86.4100% | 2,114 |
| Equity capital to assets | 12.0509% | 1,032 |
| Core capital (leverage) ratio | 10.7164% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $578,684,333 | 1,530 |
| Average earning assets | $548,852,333 | 1,500 |
| Average equity | $66,046,667 | 1,292 |
| Average total loans | $316,851,000 | 1,719 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 745 |
| Cost of funding earning assets | 0.3466% | 4,085 |
| Net interest margin | 5.0352% | 284 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 3.1190% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6046% | 973 |
| Return on assets (ROA) | 1.6046% | 968 |
| Pretax return on assets | 1.7823% | 1,100 |
| Return on Equity (ROE) | 14.4500% | 1,676 |
| Retained earnings to average equity (ytd only) | 14.4489% | 876 |
| Net charge-offs to loans | -0.5846% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6364% | 2,508 |
| Assets per employee ($millions) | 6.5849% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,782 |
| Loan loss allowance to noncurrent loans | 665.5235% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 2,871 |
| Noncurrent loans to loans | 0.1738% | 2,609 |
| Net loans and leases to total assets | 53.7500% | 3,218 |
| Net loans and leases to deposits | 61.6487% | 3,246 |
| Net loans and leases to core deposits | 64.1343% | 3,337 |
| Total domestic deposits to total assets | 87.1800% | 2,200 |
| Equity capital to assets | 11.3226% | 1,217 |
| Core capital (leverage) ratio | 9.8711% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $585,321,000 | 1,537 |
| Average earning assets | $555,048,500 | 1,503 |
| Average equity | $65,001,500 | 1,315 |
| Average total loans | $320,227,000 | 1,723 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 3,066 |
| Cost of funding earning assets | 0.1152% | 4,312 |
| Net interest margin | 3.3892% | 2,294 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.9230% | 1,090 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.5679% | 3,949 |
| Return on assets (ROA) | 0.5679% | 3,912 |
| Pretax return on assets | 0.5928% | 4,038 |
| Return on Equity (ROE) | 5.9100% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.9073% | 2,677 |
| Net charge-offs to loans | -0.1707% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.8117% | 455 |
| Assets per employee ($millions) | 6.4952% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 2,927 |
| Loan loss allowance to noncurrent loans | 529.1729% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,717 |
| Noncurrent loans to loans | 0.2067% | 2,463 |
| Net loans and leases to total assets | 55.0600% | 3,114 |
| Net loans and leases to deposits | 62.2117% | 3,181 |
| Net loans and leases to core deposits | 64.6029% | 3,229 |
| Total domestic deposits to total assets | 88.5000% | 1,886 |
| Equity capital to assets | 11.1394% | 1,207 |
| Core capital (leverage) ratio | 9.4590% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1507% | 810 |
| Memoranda: | ||
| Average total assets | $643,411,400 | 1,397 |
| Average earning assets | $620,677,600 | 1,352 |
| Average equity | $61,856,000 | 1,369 |
| Average total loans | $327,992,800 | 1,609 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0981% | 3,682 |
| Cost of funding earning assets | 0.1044% | 4,250 |
| Net interest margin | 2.9937% | 3,231 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.8065% | 1,239 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.2720% | 4,417 |
| Return on assets (ROA) | 0.2720% | 4,374 |
| Pretax return on assets | 0.2811% | 4,395 |
| Return on Equity (ROE) | 2.9300% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.9314% | 3,790 |
| Net charge-offs to loans | -0.0870% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.4702% | 286 |
| Assets per employee ($millions) | 6.7293% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,069 |
| Loan loss allowance to noncurrent loans | 307.5916% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 2,364 |
| Noncurrent loans to loans | 0.3541% | 1,963 |
| Net loans and leases to total assets | 51.7000% | 3,313 |
| Net loans and leases to deposits | 57.6344% | 3,366 |
| Net loans and leases to core deposits | 59.6847% | 3,405 |
| Total domestic deposits to total assets | 89.7100% | 1,780 |
| Equity capital to assets | 10.0214% | 1,613 |
| Core capital (leverage) ratio | 8.6058% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5880% | 1,066 |
| Memoranda: | ||
| Average total assets | $659,746,000 | 1,366 |
| Average earning assets | $637,539,000 | 1,326 |
| Average equity | $61,221,500 | 1,398 |
| Average total loans | $329,546,500 | 1,602 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 4,020 |
| Cost of funding earning assets | 0.1059% | 4,131 |
| Net interest margin | 2.6681% | 3,773 |
| Noninterest income to average assets | 0.1821% | 4,094 |
| Noninterest expense to average assets | 2.7581% | 1,255 |
| Loan and lease loss provision to assets | -0.0285% | 4,459 |
| Net operating income to assets | 0.0258% | 4,565 |
| Return on assets (ROA) | 0.0258% | 4,536 |
| Pretax return on assets | 0.0348% | 4,525 |
| Return on Equity (ROE) | 0.2855% | 4,534 |
| Retained earnings to average equity (ytd only) | 0.2855% | 4,136 |
| Net charge-offs to loans | -0.0869% | 4,404 |
| Credit loss provision to net charge-offs | 66.6667% | 1,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7743% | 187 |
| Assets per employee ($millions) | 6.6948% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,232 |
| Loan loss allowance to noncurrent loans | 282.1895% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,389 |
| Noncurrent loans to loans | 0.3829% | 1,988 |
| Net loans and leases to total assets | 49.2005% | 3,450 |
| Net loans and leases to deposits | 54.6936% | 3,496 |
| Net loans and leases to core deposits | 56.8294% | 3,503 |
| Total domestic deposits to total assets | 89.9565% | 1,724 |
| Equity capital to assets | 9.4710% | 2,039 |
| Core capital (leverage) ratio | 8.2147% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6812% | 1,039 |
| Memoranda: | ||
| Average total assets | $673,296,667 | 1,357 |
| Average earning assets | $651,636,000 | 1,325 |
| Average equity | $60,948,000 | 1,422 |
| Average total loans | $331,527,000 | 1,595 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7223% | 3,896 |
| Cost of funding earning assets | 0.1091% | 4,033 |
| Net interest margin | 2.6132% | 3,624 |
| Noninterest income to average assets | 0.1661% | 4,173 |
| Noninterest expense to average assets | 2.6797% | 1,408 |
| Loan and lease loss provision to assets | -0.0558% | 4,525 |
| Net operating income to assets | 0.0662% | 4,501 |
| Return on assets (ROA) | 0.0662% | 4,479 |
| Pretax return on assets | 0.0749% | 4,470 |
| Return on Equity (ROE) | 0.7477% | 4,454 |
| Retained earnings to average equity (ytd only) | 0.7477% | 3,869 |
| Net charge-offs to loans | -0.1659% | 4,566 |
| Credit loss provision to net charge-offs | 68.5714% | 1,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2897% | 258 |
| Assets per employee ($millions) | 7.0738% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,527 |
| Loan loss allowance to noncurrent loans | 231.8548% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,318 |
| Noncurrent loans to loans | 0.4533% | 1,891 |
| Net loans and leases to total assets | 48.3353% | 3,350 |
| Net loans and leases to deposits | 53.2713% | 3,474 |
| Net loans and leases to core deposits | 55.5990% | 3,481 |
| Total domestic deposits to total assets | 90.7342% | 1,166 |
| Equity capital to assets | 9.0708% | 2,652 |
| Core capital (leverage) ratio | 7.8902% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7400% | 1,328 |
| Memoranda: | ||
| Average total assets | $688,596,500 | 1,338 |
| Average earning assets | $667,374,500 | 1,301 |
| Average equity | $60,987,000 | 1,458 |
| Average total loans | $337,458,500 | 1,562 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 3,030 |
| Cost of funding earning assets | 0.1772% | 3,693 |
| Net interest margin | 3.1806% | 2,652 |
| Noninterest income to average assets | 0.2679% | 3,785 |
| Noninterest expense to average assets | 2.9688% | 1,033 |
| Loan and lease loss provision to assets | -0.0537% | 4,368 |
| Net operating income to assets | 0.4458% | 4,192 |
| Return on assets (ROA) | 0.4458% | 4,233 |
| Pretax return on assets | 0.4551% | 4,319 |
| Return on Equity (ROE) | 5.3224% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.3224% | 2,661 |
| Net charge-offs to loans | -0.0834% | 4,526 |
| Credit loss provision to net charge-offs | 104.2169% | 1,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0880% | 385 |
| Assets per employee ($millions) | 7.2127% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,818 |
| Loan loss allowance to noncurrent loans | 181.5565% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 2,206 |
| Noncurrent loans to loans | 0.5412% | 1,770 |
| Net loans and leases to total assets | 49.0602% | 3,400 |
| Net loans and leases to deposits | 53.4443% | 3,633 |
| Net loans and leases to core deposits | 56.0815% | 3,611 |
| Total domestic deposits to total assets | 91.7969% | 237 |
| Equity capital to assets | 7.9198% | 4,404 |
| Core capital (leverage) ratio | 7.7830% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $644,640,600 | 1,370 |
| Average earning assets | $628,771,800 | 1,325 |
| Average equity | $53,998,400 | 1,653 |
| Average total loans | $398,260,200 | 1,380 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 2,933 |
| Cost of funding earning assets | 0.1894% | 3,720 |
| Net interest margin | 3.2756% | 2,494 |
| Noninterest income to average assets | 0.2982% | 3,655 |
| Noninterest expense to average assets | 3.0094% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4698% | 4,256 |
| Return on assets (ROA) | 0.4698% | 4,298 |
| Pretax return on assets | 0.4793% | 4,395 |
| Return on Equity (ROE) | 5.5250% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.5250% | 3,034 |
| Net charge-offs to loans | -0.0901% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2612% | 421 |
| Assets per employee ($millions) | 7.3575% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,889 |
| Loan loss allowance to noncurrent loans | 231.9950% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,609 |
| Noncurrent loans to loans | 0.4256% | 2,290 |
| Net loans and leases to total assets | 54.2019% | 2,946 |
| Net loans and leases to deposits | 59.0700% | 3,321 |
| Net loans and leases to core deposits | 62.3679% | 3,276 |
| Total domestic deposits to total assets | 91.7588% | 176 |
| Equity capital to assets | 8.0069% | 4,521 |
| Core capital (leverage) ratio | 7.9474% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $630,891,750 | 1,414 |
| Average earning assets | $614,511,000 | 1,361 |
| Average equity | $53,645,500 | 1,682 |
| Average total loans | $411,163,000 | 1,375 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 2,747 |
| Cost of funding earning assets | 0.2038% | 3,711 |
| Net interest margin | 3.3547% | 2,286 |
| Noninterest income to average assets | 0.2920% | 3,678 |
| Noninterest expense to average assets | 3.0686% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4785% | 4,261 |
| Return on assets (ROA) | 0.4785% | 4,303 |
| Pretax return on assets | 0.4883% | 4,402 |
| Return on Equity (ROE) | 5.5083% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.5083% | 2,994 |
| Net charge-offs to loans | -0.1139% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2711% | 462 |
| Assets per employee ($millions) | 6.2932% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,110 |
| Loan loss allowance to noncurrent loans | 82.5293% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 1,189 |
| Noncurrent loans to loans | 1.1094% | 1,088 |
| Net loans and leases to total assets | 61.7196% | 2,207 |
| Net loans and leases to deposits | 67.5767% | 2,660 |
| Net loans and leases to core deposits | 71.8004% | 2,622 |
| Total domestic deposits to total assets | 91.3327% | 272 |
| Equity capital to assets | 8.4170% | 4,266 |
| Core capital (leverage) ratio | 8.1470% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $613,106,667 | 1,435 |
| Average earning assets | $596,720,000 | 1,386 |
| Average equity | $53,265,000 | 1,685 |
| Average total loans | $423,359,667 | 1,345 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 2,637 |
| Cost of funding earning assets | 0.2111% | 3,816 |
| Net interest margin | 3.3894% | 2,139 |
| Noninterest income to average assets | 0.3153% | 3,522 |
| Noninterest expense to average assets | 3.1708% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4269% | 4,317 |
| Return on assets (ROA) | 0.4269% | 4,347 |
| Pretax return on assets | 0.4369% | 4,435 |
| Return on Equity (ROE) | 4.8333% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.8333% | 3,280 |
| Net charge-offs to loans | -0.0855% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8889% | 451 |
| Assets per employee ($millions) | 6.3201% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,432 |
| Loan loss allowance to noncurrent loans | 78.2183% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 1,305 |
| Noncurrent loans to loans | 1.0057% | 1,332 |
| Net loans and leases to total assets | 70.0872% | 1,274 |
| Net loans and leases to deposits | 76.7152% | 1,834 |
| Net loans and leases to core deposits | 81.6186% | 1,871 |
| Total domestic deposits to total assets | 91.3602% | 274 |
| Equity capital to assets | 8.4178% | 4,182 |
| Core capital (leverage) ratio | 8.5592% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,707,500 | 1,452 |
| Average earning assets | $581,581,000 | 1,406 |
| Average equity | $52,883,000 | 1,685 |
| Average total loans | $435,118,500 | 1,318 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 3,052 |
| Cost of funding earning assets | 0.2490% | 4,378 |
| Net interest margin | 3.6414% | 2,007 |
| Noninterest income to average assets | 0.3069% | 3,642 |
| Noninterest expense to average assets | 3.5272% | 668 |
| Loan and lease loss provision to assets | 0.0193% | 4,148 |
| Net operating income to assets | 0.2825% | 4,458 |
| Return on assets (ROA) | 0.2825% | 4,520 |
| Pretax return on assets | 0.2940% | 4,552 |
| Return on Equity (ROE) | 2.8683% | 4,413 |
| Retained earnings to average equity (ytd only) | 2.8683% | 3,436 |
| Net charge-offs to loans | 0.0840% | 1,621 |
| Credit loss provision to net charge-offs | 29.4118% | 3,219 |
| Earnings coverage of net charge-offs (x) | 4.7853% | 2,937 |
| Efficiency ratio | 91.8426% | 319 |
| Assets per employee ($millions) | 5.7063% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 4,414 |
| Loan loss allowance to noncurrent loans | 52.0317% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 763 |
| Noncurrent loans to loans | 1.5506% | 853 |
| Net loans and leases to total assets | 74.4085% | 968 |
| Net loans and leases to deposits | 82.2220% | 1,643 |
| Net loans and leases to core deposits | 87.7776% | 1,713 |
| Total domestic deposits to total assets | 90.4971% | 381 |
| Equity capital to assets | 9.2085% | 3,882 |
| Core capital (leverage) ratio | 8.6921% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,338,800 | 1,491 |
| Average earning assets | $503,950,200 | 1,447 |
| Average equity | $51,144,600 | 1,660 |
| Average total loans | $404,674,000 | 1,342 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,175 |
| Cost of funding earning assets | 0.2508% | 4,511 |
| Net interest margin | 3.6750% | 2,026 |
| Noninterest income to average assets | 0.2877% | 3,760 |
| Noninterest expense to average assets | 3.5617% | 644 |
| Loan and lease loss provision to assets | 0.0262% | 4,012 |
| Net operating income to assets | 0.2567% | 4,514 |
| Return on assets (ROA) | 0.2567% | 4,558 |
| Pretax return on assets | 0.2685% | 4,584 |
| Return on Equity (ROE) | 2.5605% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.5605% | 3,702 |
| Net charge-offs to loans | 0.1087% | 1,250 |
| Credit loss provision to net charge-offs | 30.6748% | 2,952 |
| Earnings coverage of net charge-offs (x) | 3.4448% | 2,914 |
| Efficiency ratio | 92.3564% | 295 |
| Assets per employee ($millions) | 5.5710% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,386 |
| Loan loss allowance to noncurrent loans | 50.0073% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 785 |
| Noncurrent loans to loans | 1.5737% | 901 |
| Net loans and leases to total assets | 78.4728% | 775 |
| Net loans and leases to deposits | 86.8021% | 1,610 |
| Net loans and leases to core deposits | 92.8241% | 1,724 |
| Total domestic deposits to total assets | 90.4042% | 306 |
| Equity capital to assets | 9.3443% | 3,828 |
| Core capital (leverage) ratio | 8.6945% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,942,750 | 1,498 |
| Average earning assets | $493,270,250 | 1,448 |
| Average equity | $50,925,500 | 1,659 |
| Average total loans | $399,900,000 | 1,343 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,474 |
| Cost of funding earning assets | 0.2496% | 4,622 |
| Net interest margin | 3.6980% | 2,170 |
| Noninterest income to average assets | 0.2805% | 3,789 |
| Noninterest expense to average assets | 3.6760% | 595 |
| Loan and lease loss provision to assets | 0.0203% | 3,988 |
| Net operating income to assets | 0.1577% | 4,624 |
| Return on assets (ROA) | 0.1577% | 4,661 |
| Pretax return on assets | 0.1698% | 4,659 |
| Return on Equity (ROE) | 1.5339% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.5339% | 3,925 |
| Net charge-offs to loans | 0.0108% | 2,561 |
| Credit loss provision to net charge-offs | 238.0952% | 1,782 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,632 |
| Efficiency ratio | 95.0828% | 267 |
| Assets per employee ($millions) | 5.6416% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,312 |
| Loan loss allowance to noncurrent loans | 65.5878% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 1,263 |
| Noncurrent loans to loans | 1.2390% | 1,253 |
| Net loans and leases to total assets | 76.7210% | 1,037 |
| Net loans and leases to deposits | 85.6801% | 1,803 |
| Net loans and leases to core deposits | 91.1440% | 1,976 |
| Total domestic deposits to total assets | 89.5435% | 552 |
| Equity capital to assets | 8.6841% | 4,365 |
| Core capital (leverage) ratio | 9.0119% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,415,333 | 1,516 |
| Average earning assets | $478,422,000 | 1,461 |
| Average equity | $50,722,000 | 1,647 |
| Average total loans | $387,790,000 | 1,364 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,011 |
| Cost of funding earning assets | 0.2738% | 4,722 |
| Net interest margin | 3.9935% | 1,406 |
| Noninterest income to average assets | 0.2820% | 3,839 |
| Noninterest expense to average assets | 4.0505% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0833% | 4,674 |
| Return on assets (ROA) | 0.0833% | 4,667 |
| Pretax return on assets | 0.0967% | 4,664 |
| Return on Equity (ROE) | 0.7351% | 4,663 |
| Retained earnings to average equity (ytd only) | 0.7351% | 3,810 |
| Net charge-offs to loans | 0.0293% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.1538% | 2,154 |
| Efficiency ratio | 97.6684% | 281 |
| Assets per employee ($millions) | 4.4799% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,681 |
| Loan loss allowance to noncurrent loans | 74.8918% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 1,263 |
| Noncurrent loans to loans | 1.3411% | 1,204 |
| Net loans and leases to total assets | 76.8537% | 1,161 |
| Net loans and leases to deposits | 86.4981% | 1,930 |
| Net loans and leases to core deposits | 92.8006% | 2,089 |
| Total domestic deposits to total assets | 88.8501% | 732 |
| Equity capital to assets | 10.8733% | 2,969 |
| Core capital (leverage) ratio | 10.9253% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,760,000 | 1,623 |
| Average earning assets | $432,398,500 | 1,544 |
| Average equity | $50,607,000 | 1,647 |
| Average total loans | $354,770,000 | 1,435 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 2,976 |
| Cost of funding earning assets | 0.2154% | 4,921 |
| Net interest margin | 4.2765% | 1,148 |
| Noninterest income to average assets | 0.4029% | 3,277 |
| Noninterest expense to average assets | 4.1913% | 430 |
| Loan and lease loss provision to assets | -0.0720% | 5,041 |
| Net operating income to assets | 0.4048% | 4,586 |
| Return on assets (ROA) | 0.4079% | 4,614 |
| Pretax return on assets | 0.4214% | 4,674 |
| Return on Equity (ROE) | 3.8541% | 4,498 |
| Retained earnings to average equity (ytd only) | 3.8541% | 3,045 |
| Net charge-offs to loans | 0.0715% | 2,074 |
| Credit loss provision to net charge-offs | -136.3248% | 4,256 |
| Earnings coverage of net charge-offs (x) | 6.5598% | 2,965 |
| Efficiency ratio | 92.3681% | 280 |
| Assets per employee ($millions) | 4.0086% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,205 |
| Loan loss allowance to noncurrent loans | 73.3267% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 1,012 |
| Noncurrent loans to loans | 1.4346% | 1,022 |
| Net loans and leases to total assets | 81.0003% | 666 |
| Net loans and leases to deposits | 91.6852% | 1,405 |
| Net loans and leases to core deposits | 96.5171% | 1,858 |
| Total domestic deposits to total assets | 88.3462% | 965 |
| Equity capital to assets | 11.2538% | 2,757 |
| Core capital (leverage) ratio | 10.3823% | 3,091 |
| Tier 1 risk-based capital ratio | 13.9995% | 3,276 |
| Total risk-based capital ratio | 15.0884% | 3,252 |
| Memoranda: | ||
| Average total assets | $443,253,600 | 1,586 |
| Average earning assets | $428,550,000 | 1,509 |
| Average equity | $46,911,600 | 1,691 |
| Average total loans | $327,237,800 | 1,508 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 3,003 |
| Cost of funding earning assets | 0.2038% | 5,035 |
| Net interest margin | 4.3138% | 1,138 |
| Noninterest income to average assets | 0.3608% | 3,567 |
| Noninterest expense to average assets | 4.1133% | 465 |
| Loan and lease loss provision to assets | -0.0176% | 5,072 |
| Net operating income to assets | 0.4166% | 4,693 |
| Return on assets (ROA) | 0.4207% | 4,713 |
| Pretax return on assets | 0.4341% | 4,767 |
| Return on Equity (ROE) | 4.0355% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.0355% | 3,378 |
| Net charge-offs to loans | 0.1101% | 1,365 |
| Credit loss provision to net charge-offs | -22.1805% | 3,977 |
| Earnings coverage of net charge-offs (x) | 5.2067% | 2,938 |
| Efficiency ratio | 90.8888% | 301 |
| Assets per employee ($millions) | 3.9292% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,241 |
| Loan loss allowance to noncurrent loans | 91.4373% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 1,173 |
| Noncurrent loans to loans | 1.3665% | 1,127 |
| Net loans and leases to total assets | 72.3953% | 2,112 |
| Net loans and leases to deposits | 81.8348% | 2,706 |
| Net loans and leases to core deposits | 86.0557% | 2,902 |
| Total domestic deposits to total assets | 88.4652% | 844 |
| Equity capital to assets | 11.1763% | 2,949 |
| Core capital (leverage) ratio | 10.3640% | 3,236 |
| Tier 1 risk-based capital ratio | 15.0766% | 2,814 |
| Total risk-based capital ratio | 16.3266% | 2,741 |
| Memoranda: | ||
| Average total assets | $447,840,250 | 1,569 |
| Average earning assets | $432,371,000 | 1,510 |
| Average equity | $46,685,000 | 1,695 |
| Average total loans | $322,088,500 | 1,531 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 3,188 |
| Cost of funding earning assets | 0.1882% | 5,101 |
| Net interest margin | 4.2598% | 1,219 |
| Noninterest income to average assets | 0.3766% | 3,425 |
| Noninterest expense to average assets | 4.0920% | 479 |
| Loan and lease loss provision to assets | -0.0259% | 5,145 |
| Net operating income to assets | 0.4110% | 4,715 |
| Return on assets (ROA) | 0.4170% | 4,729 |
| Pretax return on assets | 0.4301% | 4,792 |
| Return on Equity (ROE) | 4.0915% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.0915% | 3,201 |
| Net charge-offs to loans | 0.1676% | 960 |
| Credit loss provision to net charge-offs | -21.6117% | 3,777 |
| Earnings coverage of net charge-offs (x) | 3.3223% | 2,857 |
| Efficiency ratio | 91.1339% | 312 |
| Assets per employee ($millions) | 4.0880% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,606 |
| Loan loss allowance to noncurrent loans | 187.4879% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 2,319 |
| Noncurrent loans to loans | 0.6322% | 2,359 |
| Net loans and leases to total assets | 71.9479% | 2,220 |
| Net loans and leases to deposits | 80.6561% | 2,886 |
| Net loans and leases to core deposits | 84.4635% | 3,073 |
| Total domestic deposits to total assets | 89.2033% | 591 |
| Equity capital to assets | 10.4429% | 3,569 |
| Core capital (leverage) ratio | 10.0388% | 3,547 |
| Tier 1 risk-based capital ratio | 14.2907% | 3,165 |
| Total risk-based capital ratio | 15.4905% | 3,104 |
| Memoranda: | ||
| Average total assets | $455,669,670 | 1,547 |
| Average earning assets | $440,025,670 | 1,493 |
| Average equity | $46,437,670 | 1,699 |
| Average total loans | $325,752,000 | 1,532 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 3,445 |
| Cost of funding earning assets | 0.1733% | 5,169 |
| Net interest margin | 4.1617% | 1,397 |
| Noninterest income to average assets | 0.4073% | 3,141 |
| Noninterest expense to average assets | 4.0771% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3392% | 4,853 |
| Return on assets (ROA) | 0.3392% | 4,862 |
| Pretax return on assets | 0.3523% | 4,899 |
| Return on Equity (ROE) | 3.3697% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.3697% | 3,571 |
| Net charge-offs to loans | -0.1637% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0457% | 326 |
| Assets per employee ($millions) | 4.0788% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 1,915 |
| Loan loss allowance to noncurrent loans | 91.7054% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 1,194 |
| Noncurrent loans to loans | 1.4616% | 1,105 |
| Net loans and leases to total assets | 70.0080% | 2,476 |
| Net loans and leases to deposits | 78.2842% | 3,031 |
| Net loans and leases to core deposits | 82.1282% | 3,174 |
| Total domestic deposits to total assets | 89.4280% | 677 |
| Equity capital to assets | 10.1536% | 3,676 |
| Core capital (leverage) ratio | 9.9380% | 3,669 |
| Tier 1 risk-based capital ratio | 14.1830% | 3,253 |
| Total risk-based capital ratio | 15.4340% | 3,174 |
| Memoranda: | ||
| Average total assets | $458,662,000 | 1,551 |
| Average earning assets | $443,281,500 | 1,500 |
| Average equity | $46,176,500 | 1,696 |
| Average total loans | $324,918,000 | 1,542 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 3,035 |
| Cost of funding earning assets | 0.1851% | 5,060 |
| Net interest margin | 4.1369% | 1,570 |
| Noninterest income to average assets | 0.4448% | 3,135 |
| Noninterest expense to average assets | 3.9522% | 573 |
| Loan and lease loss provision to assets | 0.0196% | 3,772 |
| Net operating income to assets | 0.4359% | 4,796 |
| Return on assets (ROA) | 0.4359% | 4,789 |
| Pretax return on assets | 0.4448% | 4,879 |
| Return on Equity (ROE) | 4.4611% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.4611% | 3,071 |
| Net charge-offs to loans | 0.1753% | 1,098 |
| Credit loss provision to net charge-offs | 15.4110% | 3,415 |
| Earnings coverage of net charge-offs (x) | 3.6558% | 3,388 |
| Efficiency ratio | 89.4848% | 368 |
| Assets per employee ($millions) | 4.1487% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,074 |
| Loan loss allowance to noncurrent loans | 88.7858% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 1,172 |
| Noncurrent loans to loans | 1.4566% | 1,055 |
| Net loans and leases to total assets | 69.8079% | 2,593 |
| Net loans and leases to deposits | 77.8627% | 3,182 |
| Net loans and leases to core deposits | 82.7745% | 3,199 |
| Total domestic deposits to total assets | 89.6552% | 593 |
| Equity capital to assets | 9.9824% | 3,698 |
| Core capital (leverage) ratio | 9.8249% | 3,770 |
| Tier 1 risk-based capital ratio | 14.1261% | 3,232 |
| Total risk-based capital ratio | 15.3769% | 3,167 |
| Memoranda: | ||
| Average total assets | $459,718,800 | 1,516 |
| Average earning assets | $441,368,400 | 1,473 |
| Average equity | $44,921,600 | 1,665 |
| Average total loans | $333,062,800 | 1,469 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,864 |
| Cost of funding earning assets | 0.1929% | 5,044 |
| Net interest margin | 4.1328% | 1,540 |
| Noninterest income to average assets | 0.4210% | 3,343 |
| Noninterest expense to average assets | 3.9379% | 566 |
| Loan and lease loss provision to assets | 0.0261% | 3,491 |
| Net operating income to assets | 0.4135% | 4,929 |
| Return on assets (ROA) | 0.4135% | 4,934 |
| Pretax return on assets | 0.4167% | 5,020 |
| Return on Equity (ROE) | 4.2543% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.2543% | 3,645 |
| Net charge-offs to loans | 0.0983% | 1,511 |
| Credit loss provision to net charge-offs | 36.4372% | 2,935 |
| Earnings coverage of net charge-offs (x) | 6.1781% | 2,903 |
| Efficiency ratio | 89.8927% | 329 |
| Assets per employee ($millions) | 4.1207% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,611 |
| Loan loss allowance to noncurrent loans | 97.4716% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 1,383 |
| Noncurrent loans to loans | 1.4602% | 1,117 |
| Net loans and leases to total assets | 70.7965% | 2,531 |
| Net loans and leases to deposits | 79.0901% | 3,134 |
| Net loans and leases to core deposits | 83.2261% | 3,224 |
| Total domestic deposits to total assets | 89.5136% | 671 |
| Equity capital to assets | 10.1956% | 3,459 |
| Core capital (leverage) ratio | 9.6317% | 4,012 |
| Tier 1 risk-based capital ratio | 14.2558% | 3,240 |
| Total risk-based capital ratio | 15.5080% | 3,155 |
| Memoranda: | ||
| Average total assets | $459,523,000 | 1,524 |
| Average earning assets | $440,271,000 | 1,481 |
| Average equity | $44,659,750 | 1,675 |
| Average total loans | $334,908,750 | 1,462 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,897 |
| Cost of funding earning assets | 0.2028% | 5,015 |
| Net interest margin | 4.0600% | 1,670 |
| Noninterest income to average assets | 0.4901% | 2,912 |
| Noninterest expense to average assets | 3.9005% | 599 |
| Loan and lease loss provision to assets | 0.0388% | 3,132 |
| Net operating income to assets | 0.4320% | 4,899 |
| Return on assets (ROA) | 0.4320% | 4,906 |
| Pretax return on assets | 0.4320% | 5,011 |
| Return on Equity (ROE) | 4.5158% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.5158% | 3,333 |
| Net charge-offs to loans | -0.0012% | 3,901 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2305% | 402 |
| Assets per employee ($millions) | 4.2001% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,663 |
| Loan loss allowance to noncurrent loans | 107.9154% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 1,608 |
| Noncurrent loans to loans | 1.3208% | 1,293 |
| Net loans and leases to total assets | 69.9306% | 2,595 |
| Net loans and leases to deposits | 77.5034% | 3,202 |
| Net loans and leases to core deposits | 81.3761% | 3,294 |
| Total domestic deposits to total assets | 90.2291% | 493 |
| Equity capital to assets | 9.4701% | 4,138 |
| Core capital (leverage) ratio | 9.5671% | 4,032 |
| Tier 1 risk-based capital ratio | 13.2453% | 3,765 |
| Total risk-based capital ratio | 14.4973% | 3,686 |
| Memoranda: | ||
| Average total assets | $464,352,330 | 1,521 |
| Average earning assets | $443,888,330 | 1,475 |
| Average equity | $44,421,670 | 1,693 |
| Average total loans | $340,005,670 | 1,441 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 2,118 |
| Cost of funding earning assets | 0.2194% | 4,898 |
| Net interest margin | 4.2045% | 1,169 |
| Noninterest income to average assets | 0.3719% | 3,651 |
| Noninterest expense to average assets | 3.9650% | 554 |
| Loan and lease loss provision to assets | 0.0784% | 2,204 |
| Net operating income to assets | 0.3519% | 5,009 |
| Return on assets (ROA) | 0.3519% | 5,012 |
| Pretax return on assets | 0.3519% | 5,099 |
| Return on Equity (ROE) | 3.6595% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.6595% | 3,733 |
| Net charge-offs to loans | 0.0082% | 2,444 |
| Credit loss provision to net charge-offs | 1,285.7143% | 278 |
| Earnings coverage of net charge-offs (x) | 70.5714% | 768 |
| Efficiency ratio | 90.2101% | 437 |
| Assets per employee ($millions) | 4.2124% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,706 |
| Loan loss allowance to noncurrent loans | 127.1569% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 1,922 |
| Noncurrent loans to loans | 1.1288% | 1,623 |
| Net loans and leases to total assets | 71.6368% | 2,232 |
| Net loans and leases to deposits | 79.5254% | 2,865 |
| Net loans and leases to core deposits | 84.3091% | 2,950 |
| Total domestic deposits to total assets | 90.0804% | 631 |
| Equity capital to assets | 9.6591% | 3,931 |
| Core capital (leverage) ratio | 9.5449% | 4,017 |
| Tier 1 risk-based capital ratio | 13.3008% | 3,783 |
| Total risk-based capital ratio | 14.5532% | 3,687 |
| Memoranda: | ||
| Average total assets | $459,222,500 | 1,541 |
| Average earning assets | $439,437,000 | 1,498 |
| Average equity | $44,159,500 | 1,704 |
| Average total loans | $341,659,500 | 1,441 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 2,101 |
| Cost of funding earning assets | 0.2255% | 4,752 |
| Net interest margin | 4.1483% | 1,306 |
| Noninterest income to average assets | 0.2577% | 4,595 |
| Noninterest expense to average assets | 4.0319% | 512 |
| Loan and lease loss provision to assets | 0.1827% | 1,169 |
| Net operating income to assets | 0.0039% | 5,353 |
| Return on assets (ROA) | 0.0039% | 5,353 |
| Pretax return on assets | 0.0050% | 5,433 |
| Return on Equity (ROE) | 0.0410% | 5,352 |
| Retained earnings to average equity (ytd only) | 0.0410% | 4,993 |
| Net charge-offs to loans | 0.6550% | 330 |
| Credit loss provision to net charge-offs | 34.6091% | 3,492 |
| Earnings coverage of net charge-offs (x) | 0.3556% | 3,998 |
| Efficiency ratio | 95.5510% | 257 |
| Assets per employee ($millions) | 4.1378% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 1,990 |
| Loan loss allowance to noncurrent loans | 61.5375% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 706 |
| Noncurrent loans to loans | 2.1879% | 669 |
| Net loans and leases to total assets | 75.0937% | 1,738 |
| Net loans and leases to deposits | 83.3155% | 2,570 |
| Net loans and leases to core deposits | 88.9635% | 2,655 |
| Total domestic deposits to total assets | 90.1318% | 527 |
| Equity capital to assets | 9.5732% | 4,165 |
| Core capital (leverage) ratio | 9.3917% | 4,173 |
| Tier 1 risk-based capital ratio | 12.4099% | 4,260 |
| Total risk-based capital ratio | 13.6611% | 4,164 |
| Memoranda: | ||
| Average total assets | $460,231,400 | 1,513 |
| Average earning assets | $439,548,400 | 1,472 |
| Average equity | $43,882,000 | 1,694 |
| Average total loans | $370,992,800 | 1,311 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 2,021 |
| Cost of funding earning assets | 0.2241% | 4,778 |
| Net interest margin | 4.1543% | 1,268 |
| Noninterest income to average assets | 0.2508% | 4,709 |
| Noninterest expense to average assets | 4.0347% | 495 |
| Loan and lease loss provision to assets | 0.3231% | 469 |
| Net operating income to assets | -0.1303% | 5,561 |
| Return on assets (ROA) | -0.1303% | 5,566 |
| Pretax return on assets | -0.1289% | 5,556 |
| Return on Equity (ROE) | -1.3680% | 5,570 |
| Retained earnings to average equity (ytd only) | -1.3680% | 5,380 |
| Net charge-offs to loans | 0.8885% | 204 |
| Credit loss provision to net charge-offs | 44.4976% | 2,970 |
| Earnings coverage of net charge-offs (x) | 0.2675% | 3,679 |
| Efficiency ratio | 95.4057% | 259 |
| Assets per employee ($millions) | 4.1051% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,254 |
| Loan loss allowance to noncurrent loans | 76.1136% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.8474% | 732 |
| Noncurrent loans to loans | 1.7361% | 1,037 |
| Net loans and leases to total assets | 79.6496% | 1,037 |
| Net loans and leases to deposits | 88.2259% | 2,025 |
| Net loans and leases to core deposits | 94.8104% | 2,191 |
| Total domestic deposits to total assets | 90.2792% | 382 |
| Equity capital to assets | 9.4666% | 4,475 |
| Core capital (leverage) ratio | 9.2110% | 4,506 |
| Tier 1 risk-based capital ratio | 11.6216% | 4,869 |
| Total risk-based capital ratio | 12.8725% | 4,762 |
| Memoranda: | ||
| Average total assets | $460,465,750 | 1,521 |
| Average earning assets | $440,944,000 | 1,471 |
| Average equity | $43,860,250 | 1,710 |
| Average total loans | $376,339,000 | 1,303 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 1,929 |
| Cost of funding earning assets | 0.2208% | 4,796 |
| Net interest margin | 4.1441% | 1,216 |
| Noninterest income to average assets | 0.1763% | 5,172 |
| Noninterest expense to average assets | 4.0612% | 493 |
| Loan and lease loss provision to assets | 0.1085% | 1,878 |
| Net operating income to assets | -0.0247% | 5,560 |
| Return on assets (ROA) | -0.0247% | 5,562 |
| Pretax return on assets | -0.0247% | 5,558 |
| Return on Equity (ROE) | -0.2593% | 5,566 |
| Retained earnings to average equity (ytd only) | -0.2593% | 5,119 |
| Net charge-offs to loans | 0.2179% | 938 |
| Credit loss provision to net charge-offs | 60.6796% | 2,459 |
| Earnings coverage of net charge-offs (x) | 0.4684% | 3,374 |
| Efficiency ratio | 97.9786% | 217 |
| Assets per employee ($millions) | 4.1551% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,181 |
| Loan loss allowance to noncurrent loans | 84.1311% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 644 |
| Noncurrent loans to loans | 1.9476% | 880 |
| Net loans and leases to total assets | 78.4261% | 1,174 |
| Net loans and leases to deposits | 86.7996% | 2,135 |
| Net loans and leases to core deposits | 92.6158% | 2,288 |
| Total domestic deposits to total assets | 90.3530% | 407 |
| Equity capital to assets | 9.3541% | 4,561 |
| Core capital (leverage) ratio | 9.3566% | 4,280 |
| Tier 1 risk-based capital ratio | 11.5076% | 4,950 |
| Total risk-based capital ratio | 12.7621% | 4,844 |
| Memoranda: | ||
| Average total assets | $460,696,000 | 1,521 |
| Average earning assets | $441,209,000 | 1,479 |
| Average equity | $43,972,000 | 1,704 |
| Average total loans | $378,081,000 | 1,303 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 1,723 |
| Cost of funding earning assets | 0.2044% | 4,939 |
| Net interest margin | 4.1730% | 1,041 |
| Noninterest income to average assets | 0.2384% | 4,833 |
| Noninterest expense to average assets | 4.1290% | 465 |
| Loan and lease loss provision to assets | 0.0877% | 2,078 |
| Net operating income to assets | 0.0307% | 5,589 |
| Return on assets (ROA) | 0.0307% | 5,596 |
| Pretax return on assets | 0.0307% | 5,589 |
| Return on Equity (ROE) | 0.3182% | 5,586 |
| Retained earnings to average equity (ytd only) | 0.3182% | 4,842 |
| Net charge-offs to loans | 0.5338% | 336 |
| Credit loss provision to net charge-offs | 19.7239% | 2,173 |
| Earnings coverage of net charge-offs (x) | 0.2663% | 2,833 |
| Efficiency ratio | 97.2136% | 286 |
| Assets per employee ($millions) | 3.9578% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,501 |
| Loan loss allowance to noncurrent loans | 93.2985% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 737 |
| Noncurrent loans to loans | 1.6645% | 1,162 |
| Net loans and leases to total assets | 81.3171% | 652 |
| Net loans and leases to deposits | 90.1982% | 1,507 |
| Net loans and leases to core deposits | 96.1621% | 1,810 |
| Total domestic deposits to total assets | 90.1538% | 598 |
| Equity capital to assets | 9.5875% | 4,197 |
| Core capital (leverage) ratio | 9.6507% | 3,924 |
| Tier 1 risk-based capital ratio | 11.4543% | 5,060 |
| Total risk-based capital ratio | 12.7081% | 4,953 |
| Memoranda: | ||
| Average total assets | $456,281,000 | 1,549 |
| Average earning assets | $438,339,500 | 1,494 |
| Average equity | $43,998,000 | 1,710 |
| Average total loans | $379,939,000 | 1,303 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 3,626 |
| Cost of funding earning assets | 0.1953% | 5,063 |
| Net interest margin | 3.6899% | 2,739 |
| Noninterest income to average assets | 0.2733% | 4,782 |
| Noninterest expense to average assets | 4.0233% | 579 |
| Loan and lease loss provision to assets | 0.0963% | 2,438 |
| Net operating income to assets | -0.2955% | 5,741 |
| Return on assets (ROA) | -0.2955% | 5,752 |
| Pretax return on assets | -0.2955% | 5,739 |
| Return on Equity (ROE) | -3.0964% | 5,756 |
| Retained earnings to average equity (ytd only) | -3.0964% | 5,591 |
| Net charge-offs to loans | 0.0695% | 2,702 |
| Credit loss provision to net charge-offs | 191.4163% | 1,484 |
| Earnings coverage of net charge-offs (x) | -3.9571% | 4,211 |
| Efficiency ratio | 105.2082% | 169 |
| Assets per employee ($millions) | 3.9777% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 1,242 |
| Loan loss allowance to noncurrent loans | 75.5188% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.3389% | 530 |
| Noncurrent loans to loans | 2.1902% | 780 |
| Net loans and leases to total assets | 82.5574% | 534 |
| Net loans and leases to deposits | 91.7686% | 1,484 |
| Net loans and leases to core deposits | 96.7929% | 1,853 |
| Total domestic deposits to total assets | 89.9626% | 645 |
| Equity capital to assets | 9.6987% | 4,074 |
| Core capital (leverage) ratio | 9.5639% | 4,010 |
| Tier 1 risk-based capital ratio | 11.2755% | 5,184 |
| Total risk-based capital ratio | 12.5301% | 5,077 |
| Memoranda: | ||
| Average total assets | $462,929,800 | 1,475 |
| Average earning assets | $445,487,600 | 1,425 |
| Average equity | $44,180,800 | 1,681 |
| Average total loans | $335,131,600 | 1,394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 3,927 |
| Cost of funding earning assets | 0.1970% | 5,100 |
| Net interest margin | 3.6009% | 3,071 |
| Noninterest income to average assets | 0.2754% | 4,804 |
| Noninterest expense to average assets | 4.0203% | 573 |
| Loan and lease loss provision to assets | 0.1241% | 1,876 |
| Net operating income to assets | -0.4009% | 5,839 |
| Return on assets (ROA) | -0.4009% | 5,850 |
| Pretax return on assets | -0.4009% | 5,839 |
| Return on Equity (ROE) | -4.2171% | 5,850 |
| Retained earnings to average equity (ytd only) | -4.2171% | 5,702 |
| Net charge-offs to loans | 0.0354% | 2,922 |
| Credit loss provision to net charge-offs | 503.4884% | 697 |
| Earnings coverage of net charge-offs (x) | -11.2329% | 3,921 |
| Efficiency ratio | 107.3944% | 141 |
| Assets per employee ($millions) | 4.1263% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 981 |
| Loan loss allowance to noncurrent loans | 90.9219% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 750 |
| Noncurrent loans to loans | 2.0010% | 983 |
| Net loans and leases to total assets | 76.4499% | 1,449 |
| Net loans and leases to deposits | 84.8815% | 2,385 |
| Net loans and leases to core deposits | 89.5569% | 2,616 |
| Total domestic deposits to total assets | 90.0666% | 460 |
| Equity capital to assets | 9.6836% | 4,478 |
| Core capital (leverage) ratio | 9.4146% | 4,307 |
| Tier 1 risk-based capital ratio | 12.1520% | 4,698 |
| Total risk-based capital ratio | 13.4086% | 4,599 |
| Memoranda: | ||
| Average total assets | $465,299,000 | 1,467 |
| Average earning assets | $448,132,500 | 1,422 |
| Average equity | $44,231,250 | 1,691 |
| Average total loans | $323,750,750 | 1,435 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 4,440 |
| Cost of funding earning assets | 0.1978% | 5,170 |
| Net interest margin | 3.4546% | 3,665 |
| Noninterest income to average assets | 0.2784% | 4,790 |
| Noninterest expense to average assets | 3.9659% | 618 |
| Loan and lease loss provision to assets | 0.1492% | 1,540 |
| Net operating income to assets | -0.5082% | 5,925 |
| Return on assets (ROA) | -0.5082% | 5,928 |
| Pretax return on assets | -0.5082% | 5,922 |
| Return on Equity (ROE) | -5.3786% | 5,933 |
| Retained earnings to average equity (ytd only) | -5.3786% | 5,764 |
| Net charge-offs to loans | 0.0701% | 2,187 |
| Credit loss provision to net charge-offs | 318.1818% | 921 |
| Earnings coverage of net charge-offs (x) | -7.6545% | 3,642 |
| Efficiency ratio | 109.9527% | 145 |
| Assets per employee ($millions) | 4.2845% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 874 |
| Loan loss allowance to noncurrent loans | 111.0077% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7055% | 1,049 |
| Noncurrent loans to loans | 1.7224% | 1,228 |
| Net loans and leases to total assets | 69.4601% | 2,560 |
| Net loans and leases to deposits | 76.9223% | 3,279 |
| Net loans and leases to core deposits | 81.2017% | 3,342 |
| Total domestic deposits to total assets | 90.2991% | 386 |
| Equity capital to assets | 9.4560% | 4,811 |
| Core capital (leverage) ratio | 9.3495% | 4,394 |
| Tier 1 risk-based capital ratio | 12.9263% | 4,243 |
| Total risk-based capital ratio | 14.1838% | 4,154 |
| Memoranda: | ||
| Average total assets | $469,101,670 | 1,465 |
| Average earning assets | $451,978,330 | 1,422 |
| Average equity | $44,324,000 | 1,693 |
| Average total loans | $313,858,000 | 1,474 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,415 |
| Cost of funding earning assets | 0.2005% | 5,202 |
| Net interest margin | 3.4709% | 3,585 |
| Noninterest income to average assets | 0.2765% | 4,743 |
| Noninterest expense to average assets | 3.9851% | 616 |
| Loan and lease loss provision to assets | 0.0953% | 2,102 |
| Net operating income to assets | -0.4611% | 5,954 |
| Return on assets (ROA) | -0.4611% | 5,962 |
| Pretax return on assets | -0.4611% | 5,952 |
| Return on Equity (ROE) | -4.8822% | 5,969 |
| Retained earnings to average equity (ytd only) | -4.8822% | 5,604 |
| Net charge-offs to loans | 0.4348% | 522 |
| Credit loss provision to net charge-offs | 33.7349% | 2,191 |
| Earnings coverage of net charge-offs (x) | -1.2952% | 3,011 |
| Efficiency ratio | 110.1081% | 155 |
| Assets per employee ($millions) | 4.2248% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 965 |
| Loan loss allowance to noncurrent loans | 94.7479% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 1,031 |
| Noncurrent loans to loans | 2.0102% | 1,066 |
| Net loans and leases to total assets | 64.3910% | 3,191 |
| Net loans and leases to deposits | 71.3662% | 3,710 |
| Net loans and leases to core deposits | 75.5624% | 3,722 |
| Total domestic deposits to total assets | 90.2261% | 514 |
| Equity capital to assets | 9.4487% | 4,720 |
| Core capital (leverage) ratio | 9.4627% | 4,256 |
| Tier 1 risk-based capital ratio | 13.5812% | 3,931 |
| Total risk-based capital ratio | 14.8382% | 3,860 |
| Memoranda: | ||
| Average total assets | $470,149,500 | 1,459 |
| Average earning assets | $452,788,000 | 1,415 |
| Average equity | $44,406,000 | 1,691 |
| Average total loans | $305,434,000 | 1,498 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2144% | 5,500 |
| Cost of funding earning assets | 0.2344% | 4,958 |
| Net interest margin | 2.9801% | 5,183 |
| Noninterest income to average assets | 0.1966% | 5,407 |
| Noninterest expense to average assets | 3.7689% | 897 |
| Loan and lease loss provision to assets | 0.1569% | 1,490 |
| Net operating income to assets | -0.8663% | 6,093 |
| Return on assets (ROA) | -0.8560% | 6,094 |
| Pretax return on assets | -0.8560% | 6,085 |
| Return on Equity (ROE) | -9.0361% | 6,095 |
| Retained earnings to average equity (ytd only) | -9.0361% | 6,024 |
| Net charge-offs to loans | 0.4766% | 569 |
| Credit loss provision to net charge-offs | 54.9256% | 3,335 |
| Earnings coverage of net charge-offs (x) | -2.4833% | 4,365 |
| Efficiency ratio | 123.1884% | 86 |
| Assets per employee ($millions) | 4.4500% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 791 |
| Loan loss allowance to noncurrent loans | 94.9875% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9267% | 937 |
| Noncurrent loans to loans | 2.1132% | 970 |
| Net loans and leases to total assets | 62.9555% | 3,422 |
| Net loans and leases to deposits | 69.8700% | 3,936 |
| Net loans and leases to core deposits | 73.9988% | 3,944 |
| Total domestic deposits to total assets | 90.1038% | 590 |
| Equity capital to assets | 9.5252% | 4,525 |
| Core capital (leverage) ratio | 9.1867% | 4,634 |
| Tier 1 risk-based capital ratio | 13.9112% | 3,763 |
| Total risk-based capital ratio | 15.1692% | 3,688 |
| Memoranda: | ||
| Average total assets | $493,914,400 | 1,365 |
| Average earning assets | $474,483,000 | 1,302 |
| Average equity | $46,790,000 | 1,579 |
| Average total loans | $296,045,800 | 1,479 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1867% | 5,606 |
| Cost of funding earning assets | 0.2408% | 4,988 |
| Net interest margin | 2.9459% | 5,319 |
| Noninterest income to average assets | 0.2229% | 5,321 |
| Noninterest expense to average assets | 3.6414% | 1,055 |
| Loan and lease loss provision to assets | 0.2069% | 956 |
| Net operating income to assets | -0.7971% | 6,176 |
| Return on assets (ROA) | -0.7835% | 6,174 |
| Pretax return on assets | -0.7835% | 6,167 |
| Return on Equity (ROE) | -8.2811% | 6,164 |
| Retained earnings to average equity (ytd only) | -8.2811% | 6,094 |
| Net charge-offs to loans | 0.3230% | 821 |
| Credit loss provision to net charge-offs | 108.6957% | 2,129 |
| Earnings coverage of net charge-offs (x) | -3.1010% | 4,100 |
| Efficiency ratio | 119.3438% | 97 |
| Assets per employee ($millions) | 4.4268% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3774% | 516 |
| Loan loss allowance to noncurrent loans | 125.7371% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7952% | 1,196 |
| Noncurrent loans to loans | 1.8908% | 1,226 |
| Net loans and leases to total assets | 58.2394% | 4,110 |
| Net loans and leases to deposits | 64.8006% | 4,489 |
| Net loans and leases to core deposits | 68.7183% | 4,479 |
| Total domestic deposits to total assets | 89.8749% | 631 |
| Equity capital to assets | 9.5949% | 4,642 |
| Core capital (leverage) ratio | 9.4100% | 4,421 |
| Tier 1 risk-based capital ratio | 14.8983% | 3,346 |
| Total risk-based capital ratio | 16.1604% | 3,290 |
| Memoranda: | ||
| Average total assets | $499,469,250 | 1,351 |
| Average earning assets | $479,521,000 | 1,300 |
| Average equity | $47,255,000 | 1,574 |
| Average total loans | $294,297,000 | 1,498 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 5,763 |
| Cost of funding earning assets | 0.2570% | 4,871 |
| Net interest margin | 2.8224% | 5,566 |
| Noninterest income to average assets | 0.2041% | 5,461 |
| Noninterest expense to average assets | 3.5926% | 1,143 |
| Loan and lease loss provision to assets | 0.2073% | 939 |
| Net operating income to assets | -0.8899% | 6,253 |
| Return on assets (ROA) | -0.8899% | 6,254 |
| Pretax return on assets | -0.8899% | 6,245 |
| Return on Equity (ROE) | -9.4476% | 6,253 |
| Retained earnings to average equity (ytd only) | -9.4476% | 6,166 |
| Net charge-offs to loans | 0.3410% | 770 |
| Credit loss provision to net charge-offs | 103.5503% | 2,005 |
| Earnings coverage of net charge-offs (x) | -3.4103% | 3,806 |
| Efficiency ratio | 123.4568% | 96 |
| Assets per employee ($millions) | 4.5436% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 644 |
| Loan loss allowance to noncurrent loans | 99.4244% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.0310% | 1,074 |
| Noncurrent loans to loans | 2.3011% | 1,025 |
| Net loans and leases to total assets | 58.6357% | 4,023 |
| Net loans and leases to deposits | 65.1727% | 4,419 |
| Net loans and leases to core deposits | 69.1891% | 4,393 |
| Total domestic deposits to total assets | 89.9698% | 676 |
| Equity capital to assets | 9.4953% | 4,657 |
| Core capital (leverage) ratio | 9.4954% | 4,291 |
| Tier 1 risk-based capital ratio | 14.7919% | 3,476 |
| Total risk-based capital ratio | 16.0530% | 3,403 |
| Memoranda: | ||
| Average total assets | $506,593,330 | 1,339 |
| Average earning assets | $485,690,670 | 1,301 |
| Average equity | $47,715,670 | 1,572 |
| Average total loans | $297,322,000 | 1,493 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9475% | 5,948 |
| Cost of funding earning assets | 0.2594% | 4,913 |
| Net interest margin | 2.6881% | 5,820 |
| Noninterest income to average assets | 0.2558% | 5,130 |
| Noninterest expense to average assets | 3.5434% | 1,223 |
| Loan and lease loss provision to assets | 0.1943% | 958 |
| Net operating income to assets | -0.8963% | 6,308 |
| Return on assets (ROA) | -0.8963% | 6,313 |
| Pretax return on assets | -0.8963% | 6,303 |
| Return on Equity (ROE) | -9.5533% | 6,315 |
| Retained earnings to average equity (ytd only) | -9.5533% | 6,123 |
| Net charge-offs to loans | 0.7217% | 326 |
| Credit loss provision to net charge-offs | 46.3822% | 2,133 |
| Earnings coverage of net charge-offs (x) | -1.6753% | 3,198 |
| Efficiency ratio | 124.7059% | 101 |
| Assets per employee ($millions) | 4.5721% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 838 |
| Loan loss allowance to noncurrent loans | 103.1772% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.8820% | 1,289 |
| Noncurrent loans to loans | 2.0985% | 1,228 |
| Net loans and leases to total assets | 55.7439% | 4,230 |
| Net loans and leases to deposits | 61.6849% | 4,601 |
| Net loans and leases to core deposits | 65.6443% | 4,554 |
| Total domestic deposits to total assets | 90.3688% | 577 |
| Equity capital to assets | 9.1517% | 5,136 |
| Core capital (leverage) ratio | 9.4735% | 4,322 |
| Tier 1 risk-based capital ratio | 15.5366% | 3,126 |
| Total risk-based capital ratio | 16.7971% | 3,066 |
| Memoranda: | ||
| Average total assets | $514,537,000 | 1,331 |
| Average earning assets | $494,925,000 | 1,283 |
| Average equity | $48,276,500 | 1,557 |
| Average total loans | $298,750,000 | 1,488 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1597% | 5,883 |
| Cost of funding earning assets | 0.2867% | 4,933 |
| Net interest margin | 2.8730% | 5,691 |
| Noninterest income to average assets | 0.2889% | 5,050 |
| Noninterest expense to average assets | 3.9246% | 831 |
| Loan and lease loss provision to assets | 1.1125% | 88 |
| Net operating income to assets | -2.0100% | 6,454 |
| Return on assets (ROA) | -2.0100% | 6,453 |
| Pretax return on assets | -2.0100% | 6,446 |
| Return on Equity (ROE) | -21.5919% | 6,444 |
| Retained earnings to average equity (ytd only) | -21.5919% | 6,432 |
| Net charge-offs to loans | 1.9759% | 98 |
| Credit loss provision to net charge-offs | 97.3512% | 2,493 |
| Earnings coverage of net charge-offs (x) | -0.7853% | 4,784 |
| Efficiency ratio | 129.6474% | 93 |
| Assets per employee ($millions) | 4.4943% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 785 |
| Loan loss allowance to noncurrent loans | 78.3100% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3508% | 1,000 |
| Noncurrent loans to loans | 2.8550% | 809 |
| Net loans and leases to total assets | 57.8517% | 4,062 |
| Net loans and leases to deposits | 64.3692% | 4,489 |
| Net loans and leases to core deposits | 68.5902% | 4,442 |
| Total domestic deposits to total assets | 89.8748% | 787 |
| Equity capital to assets | 9.6196% | 4,565 |
| Core capital (leverage) ratio | 9.5672% | 4,150 |
| Tier 1 risk-based capital ratio | 17.1983% | 2,429 |
| Total risk-based capital ratio | 18.4622% | 2,378 |
| Memoranda: | ||
| Average total assets | $508,768,000 | 1,314 |
| Average earning assets | $484,894,600 | 1,268 |
| Average equity | $47,360,400 | 1,523 |
| Average total loans | $294,248,200 | 1,453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 5,960 |
| Cost of funding earning assets | 0.2897% | 4,991 |
| Net interest margin | 2.8561% | 5,785 |
| Noninterest income to average assets | 0.3073% | 4,983 |
| Noninterest expense to average assets | 3.6335% | 1,232 |
| Loan and lease loss provision to assets | 0.9786% | 117 |
| Net operating income to assets | -1.5905% | 6,508 |
| Return on assets (ROA) | -1.5905% | 6,505 |
| Pretax return on assets | -1.5905% | 6,494 |
| Return on Equity (ROE) | -17.2299% | 6,494 |
| Retained earnings to average equity (ytd only) | -17.2299% | 6,467 |
| Net charge-offs to loans | 2.6153% | 58 |
| Credit loss provision to net charge-offs | 65.0758% | 2,852 |
| Earnings coverage of net charge-offs (x) | -0.4069% | 4,495 |
| Efficiency ratio | 120.2514% | 130 |
| Assets per employee ($millions) | 4.5818% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 1,822 |
| Loan loss allowance to noncurrent loans | 50.6608% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.5498% | 1,015 |
| Noncurrent loans to loans | 3.4546% | 702 |
| Net loans and leases to total assets | 53.7341% | 4,606 |
| Net loans and leases to deposits | 59.5949% | 4,978 |
| Net loans and leases to core deposits | 63.5230% | 4,924 |
| Total domestic deposits to total assets | 90.1656% | 657 |
| Equity capital to assets | 9.3414% | 4,989 |
| Core capital (leverage) ratio | 9.0332% | 5,033 |
| Tier 1 risk-based capital ratio | 17.0001% | 2,625 |
| Total risk-based capital ratio | 18.2562% | 2,573 |
| Memoranda: | ||
| Average total assets | $508,994,750 | 1,330 |
| Average earning assets | $483,728,250 | 1,279 |
| Average equity | $46,987,000 | 1,537 |
| Average total loans | $292,679,000 | 1,470 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1124% | 6,051 |
| Cost of funding earning assets | 0.2910% | 5,068 |
| Net interest margin | 2.8214% | 5,861 |
| Noninterest income to average assets | 0.2718% | 5,257 |
| Noninterest expense to average assets | 3.7507% | 1,047 |
| Loan and lease loss provision to assets | 1.2421% | 74 |
| Net operating income to assets | -2.0470% | 6,595 |
| Return on assets (ROA) | -2.0470% | 6,593 |
| Pretax return on assets | -2.0470% | 6,584 |
| Return on Equity (ROE) | -22.2630% | 6,587 |
| Retained earnings to average equity (ytd only) | -22.2630% | 6,550 |
| Net charge-offs to loans | 2.9141% | 57 |
| Credit loss provision to net charge-offs | 72.9412% | 2,418 |
| Earnings coverage of net charge-offs (x) | -0.4727% | 4,175 |
| Efficiency ratio | 127.3236% | 111 |
| Assets per employee ($millions) | 4.8325% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0048% | 1,352 |
| Loan loss allowance to noncurrent loans | 49.5437% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 3.3887% | 702 |
| Noncurrent loans to loans | 4.0466% | 581 |
| Net loans and leases to total assets | 53.3838% | 4,607 |
| Net loans and leases to deposits | 59.4423% | 4,913 |
| Net loans and leases to core deposits | 63.5480% | 4,855 |
| Total domestic deposits to total assets | 89.8078% | 903 |
| Equity capital to assets | 9.0245% | 5,271 |
| Core capital (leverage) ratio | 9.0651% | 4,915 |
| Tier 1 risk-based capital ratio | 16.2716% | 2,946 |
| Total risk-based capital ratio | 17.5305% | 2,889 |
| Memoranda: | ||
| Average total assets | $509,131,670 | 1,326 |
| Average earning assets | $482,526,670 | 1,276 |
| Average equity | $46,813,000 | 1,533 |
| Average total loans | $297,521,670 | 1,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2061% | 5,992 |
| Cost of funding earning assets | 0.2958% | 5,107 |
| Net interest margin | 2.9103% | 5,729 |
| Noninterest income to average assets | 0.2737% | 5,185 |
| Noninterest expense to average assets | 3.8135% | 961 |
| Loan and lease loss provision to assets | 1.5221% | 65 |
| Net operating income to assets | -2.2986% | 6,670 |
| Return on assets (ROA) | -2.2986% | 6,670 |
| Pretax return on assets | -2.2986% | 6,659 |
| Return on Equity (ROE) | -24.7614% | 6,645 |
| Retained earnings to average equity (ytd only) | -24.7614% | 6,581 |
| Net charge-offs to loans | 4.4114% | 31 |
| Credit loss provision to net charge-offs | 57.0364% | 2,134 |
| Earnings coverage of net charge-offs (x) | -0.2910% | 3,458 |
| Efficiency ratio | 125.5698% | 146 |
| Assets per employee ($millions) | 4.4686% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 1,979 |
| Loan loss allowance to noncurrent loans | 41.4119% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 4.7364% | 450 |
| Noncurrent loans to loans | 4.3985% | 566 |
| Net loans and leases to total assets | 57.9820% | 3,845 |
| Net loans and leases to deposits | 64.6482% | 4,252 |
| Net loans and leases to core deposits | 69.3793% | 4,164 |
| Total domestic deposits to total assets | 89.6884% | 1,250 |
| Equity capital to assets | 9.0944% | 5,004 |
| Core capital (leverage) ratio | 9.0294% | 4,965 |
| Tier 1 risk-based capital ratio | 15.0433% | 3,695 |
| Total risk-based capital ratio | 16.2999% | 3,636 |
| Memoranda: | ||
| Average total assets | $502,742,000 | 1,343 |
| Average earning assets | $477,344,500 | 1,295 |
| Average equity | $46,669,500 | 1,535 |
| Average total loans | $304,124,500 | 1,423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 4,640 |
| Cost of funding earning assets | 0.3803% | 4,832 |
| Net interest margin | 3.4650% | 4,039 |
| Noninterest income to average assets | 0.3162% | 5,076 |
| Noninterest expense to average assets | 6.2324% | 180 |
| Loan and lease loss provision to assets | 0.4943% | 569 |
| Net operating income to assets | -3.1280% | 6,764 |
| Return on assets (ROA) | -3.1280% | 6,763 |
| Pretax return on assets | -3.1280% | 6,763 |
| Return on Equity (ROE) | -32.8723% | 6,736 |
| Retained earnings to average equity (ytd only) | -32.8723% | 6,732 |
| Net charge-offs to loans | 0.6340% | 1,029 |
| Credit loss provision to net charge-offs | 118.9920% | 2,011 |
| Earnings coverage of net charge-offs (x) | -6.3406% | 5,408 |
| Efficiency ratio | 173.1860% | 45 |
| Assets per employee ($millions) | 4.3906% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 1,155 |
| Loan loss allowance to noncurrent loans | 39.9639% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 5.4588% | 397 |
| Noncurrent loans to loans | 5.5472% | 405 |
| Net loans and leases to total assets | 60.5682% | 3,615 |
| Net loans and leases to deposits | 67.8886% | 4,071 |
| Net loans and leases to core deposits | 72.7409% | 3,983 |
| Total domestic deposits to total assets | 89.2170% | 1,478 |
| Equity capital to assets | 9.4732% | 4,462 |
| Core capital (leverage) ratio | 9.1880% | 4,738 |
| Tier 1 risk-based capital ratio | 14.9991% | 3,668 |
| Total risk-based capital ratio | 16.2606% | 3,602 |
| Memoranda: | ||
| Average total assets | $453,805,000 | 1,462 |
| Average earning assets | $429,897,000 | 1,420 |
| Average equity | $43,182,200 | 1,622 |
| Average total loans | $297,331,400 | 1,412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,578 |
| Cost of funding earning assets | 0.4369% | 4,425 |
| Net interest margin | 3.4427% | 4,112 |
| Noninterest income to average assets | 0.3185% | 5,148 |
| Noninterest expense to average assets | 6.8706% | 152 |
| Loan and lease loss provision to assets | 0.4882% | 569 |
| Net operating income to assets | -3.7804% | 6,868 |
| Return on assets (ROA) | -3.7804% | 6,868 |
| Pretax return on assets | -3.7804% | 6,863 |
| Return on Equity (ROE) | -39.6789% | 6,847 |
| Retained earnings to average equity (ytd only) | -39.6789% | 6,844 |
| Net charge-offs to loans | 0.2919% | 2,076 |
| Credit loss provision to net charge-offs | 251.3975% | 976 |
| Earnings coverage of net charge-offs (x) | -16.9518% | 5,180 |
| Efficiency ratio | 192.0024% | 35 |
| Assets per employee ($millions) | 4.4533% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2925% | 1,190 |
| Loan loss allowance to noncurrent loans | 34.0625% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 5.6970% | 440 |
| Noncurrent loans to loans | 6.7302% | 324 |
| Net loans and leases to total assets | 61.7960% | 3,397 |
| Net loans and leases to deposits | 69.3874% | 3,872 |
| Net loans and leases to core deposits | 74.1052% | 3,834 |
| Total domestic deposits to total assets | 89.0595% | 1,527 |
| Equity capital to assets | 9.2130% | 4,917 |
| Core capital (leverage) ratio | 9.0961% | 4,975 |
| Tier 1 risk-based capital ratio | 14.4379% | 4,116 |
| Total risk-based capital ratio | 15.7006% | 4,070 |
| Memoranda: | ||
| Average total assets | $442,124,500 | 1,509 |
| Average earning assets | $418,650,750 | 1,464 |
| Average equity | $42,123,750 | 1,675 |
| Average total loans | $294,156,000 | 1,435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 4,276 |
| Cost of funding earning assets | 0.4531% | 4,399 |
| Net interest margin | 3.5038% | 3,769 |
| Noninterest income to average assets | 0.6312% | 3,012 |
| Noninterest expense to average assets | 4.8138% | 410 |
| Loan and lease loss provision to assets | 0.2277% | 1,654 |
| Net operating income to assets | -1.0899% | 6,769 |
| Return on assets (ROA) | -1.0899% | 6,771 |
| Pretax return on assets | -1.0899% | 6,753 |
| Return on Equity (ROE) | -11.2852% | 6,758 |
| Retained earnings to average equity (ytd only) | -11.2852% | 6,695 |
| Net charge-offs to loans | 0.3664% | 1,740 |
| Credit loss provision to net charge-offs | 91.5222% | 2,406 |
| Earnings coverage of net charge-offs (x) | -3.4663% | 4,801 |
| Efficiency ratio | 121.8193% | 167 |
| Assets per employee ($millions) | 4.5394% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 1,942 |
| Loan loss allowance to noncurrent loans | 27.8287% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 5.6606% | 510 |
| Noncurrent loans to loans | 7.0442% | 341 |
| Net loans and leases to total assets | 61.4601% | 3,394 |
| Net loans and leases to deposits | 68.0039% | 4,015 |
| Net loans and leases to core deposits | 73.3515% | 3,890 |
| Total domestic deposits to total assets | 90.3773% | 820 |
| Equity capital to assets | 9.1088% | 5,095 |
| Core capital (leverage) ratio | 9.0976% | 4,829 |
| Tier 1 risk-based capital ratio | 14.7435% | 3,948 |
| Total risk-based capital ratio | 16.0029% | 3,905 |
| Memoranda: | ||
| Average total assets | $417,304,330 | 1,592 |
| Average earning assets | $395,457,330 | 1,541 |
| Average equity | $40,300,670 | 1,745 |
| Average total loans | $283,301,670 | 1,501 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 4,505 |
| Cost of funding earning assets | 0.4483% | 4,611 |
| Net interest margin | 3.4427% | 3,949 |
| Noninterest income to average assets | 0.6761% | 2,716 |
| Noninterest expense to average assets | 5.1495% | 335 |
| Loan and lease loss provision to assets | 0.2614% | 1,362 |
| Net operating income to assets | -1.4912% | 6,881 |
| Return on assets (ROA) | -1.4912% | 6,886 |
| Pretax return on assets | -1.4912% | 6,876 |
| Return on Equity (ROE) | -14.8290% | 6,864 |
| Retained earnings to average equity (ytd only) | -14.8290% | 6,739 |
| Net charge-offs to loans | 0.2324% | 2,049 |
| Credit loss provision to net charge-offs | 156.9536% | 1,317 |
| Earnings coverage of net charge-offs (x) | -7.3841% | 4,091 |
| Efficiency ratio | 131.3731% | 140 |
| Assets per employee ($millions) | 3.6122% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5973% | 1,014 |
| Loan loss allowance to noncurrent loans | 35.3751% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 6.9803% | 402 |
| Noncurrent loans to loans | 7.3422% | 385 |
| Net loans and leases to total assets | 68.5311% | 1,915 |
| Net loans and leases to deposits | 77.5858% | 2,405 |
| Net loans and leases to core deposits | 84.4481% | 2,271 |
| Total domestic deposits to total assets | 88.3295% | 2,109 |
| Equity capital to assets | 10.7941% | 3,204 |
| Core capital (leverage) ratio | 10.7058% | 2,545 |
| Tier 1 risk-based capital ratio | 15.5008% | 3,527 |
| Total risk-based capital ratio | 16.7682% | 3,477 |
| Memoranda: | ||
| Average total assets | $362,672,500 | 1,818 |
| Average earning assets | $341,705,000 | 1,769 |
| Average equity | $36,469,000 | 1,936 |
| Average total loans | $259,902,500 | 1,616 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 4,728 |
| Cost of funding earning assets | 0.5365% | 4,941 |
| Net interest margin | 3.6251% | 3,987 |
| Noninterest income to average assets | 0.3209% | 5,163 |
| Noninterest expense to average assets | 4.5589% | 547 |
| Loan and lease loss provision to assets | 0.7267% | 698 |
| Net operating income to assets | -1.5492% | 6,870 |
| Return on assets (ROA) | -1.5492% | 6,882 |
| Pretax return on assets | -1.5492% | 6,864 |
| Return on Equity (ROE) | -16.6670% | 6,845 |
| Retained earnings to average equity (ytd only) | -16.6670% | 6,800 |
| Net charge-offs to loans | 0.6561% | 1,793 |
| Credit loss provision to net charge-offs | 150.2186% | 1,817 |
| Earnings coverage of net charge-offs (x) | -1.7000% | 5,820 |
| Efficiency ratio | 122.0108% | 195 |
| Assets per employee ($millions) | 3.6413% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4524% | 1,180 |
| Loan loss allowance to noncurrent loans | 27.2571% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 8.2812% | 326 |
| Noncurrent loans to loans | 8.9973% | 291 |
| Net loans and leases to total assets | 71.1681% | 1,624 |
| Net loans and leases to deposits | 79.1206% | 2,388 |
| Net loans and leases to core deposits | 85.8948% | 2,323 |
| Total domestic deposits to total assets | 89.9489% | 975 |
| Equity capital to assets | 9.3231% | 5,121 |
| Core capital (leverage) ratio | 9.1245% | 4,698 |
| Tier 1 risk-based capital ratio | 13.0701% | 5,055 |
| Total risk-based capital ratio | 14.3360% | 4,995 |
| Memoranda: | ||
| Average total assets | $378,269,200 | 1,723 |
| Average earning assets | $356,405,200 | 1,671 |
| Average equity | $35,159,400 | 1,963 |
| Average total loans | $278,924,600 | 1,492 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 4,837 |
| Cost of funding earning assets | 0.5496% | 5,094 |
| Net interest margin | 3.6452% | 4,023 |
| Noninterest income to average assets | 0.5067% | 3,879 |
| Noninterest expense to average assets | 4.4591% | 567 |
| Loan and lease loss provision to assets | 0.5011% | 1,222 |
| Net operating income to assets | -1.0138% | 6,864 |
| Return on assets (ROA) | -1.0138% | 6,891 |
| Pretax return on assets | -1.0138% | 6,869 |
| Return on Equity (ROE) | -10.9146% | 6,877 |
| Retained earnings to average equity (ytd only) | -10.9146% | 6,838 |
| Net charge-offs to loans | 0.5570% | 1,939 |
| Credit loss provision to net charge-offs | 121.7133% | 2,377 |
| Earnings coverage of net charge-offs (x) | -1.2451% | 5,601 |
| Efficiency ratio | 112.9900% | 255 |
| Assets per employee ($millions) | 3.6357% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 1,647 |
| Loan loss allowance to noncurrent loans | 22.1516% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 9.7487% | 256 |
| Noncurrent loans to loans | 10.0740% | 242 |
| Net loans and leases to total assets | 71.2317% | 1,689 |
| Net loans and leases to deposits | 79.2975% | 2,501 |
| Net loans and leases to core deposits | 86.9518% | 2,349 |
| Total domestic deposits to total assets | 89.8284% | 940 |
| Equity capital to assets | 9.4256% | 5,297 |
| Core capital (leverage) ratio | 9.1869% | 4,784 |
| Tier 1 risk-based capital ratio | 12.8733% | 5,352 |
| Total risk-based capital ratio | 14.1354% | 5,307 |
| Memoranda: | ||
| Average total assets | $381,804,500 | 1,725 |
| Average earning assets | $360,282,500 | 1,679 |
| Average equity | $35,462,250 | 1,961 |
| Average total loans | $282,241,250 | 1,494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 5,003 |
| Cost of funding earning assets | 0.5540% | 5,279 |
| Net interest margin | 3.6315% | 4,130 |
| Noninterest income to average assets | 0.5706% | 3,446 |
| Noninterest expense to average assets | 4.3403% | 628 |
| Loan and lease loss provision to assets | 0.4528% | 1,413 |
| Net operating income to assets | -0.7859% | 6,853 |
| Return on assets (ROA) | -0.7859% | 6,877 |
| Pretax return on assets | -0.7859% | 6,846 |
| Return on Equity (ROE) | -8.5005% | 6,873 |
| Retained earnings to average equity (ytd only) | -8.5005% | 6,787 |
| Net charge-offs to loans | 0.4687% | 2,188 |
| Credit loss provision to net charge-offs | 130.1329% | 2,115 |
| Earnings coverage of net charge-offs (x) | -0.9572% | 5,301 |
| Efficiency ratio | 108.3120% | 360 |
| Assets per employee ($millions) | 4.0750% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 1,998 |
| Loan loss allowance to noncurrent loans | 19.7051% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 10.0608% | 260 |
| Noncurrent loans to loans | 10.6611% | 232 |
| Net loans and leases to total assets | 71.3202% | 1,678 |
| Net loans and leases to deposits | 79.1449% | 2,503 |
| Net loans and leases to core deposits | 86.2338% | 2,397 |
| Total domestic deposits to total assets | 90.1134% | 862 |
| Equity capital to assets | 9.2562% | 5,387 |
| Core capital (leverage) ratio | 9.1964% | 4,618 |
| Tier 1 risk-based capital ratio | 12.6891% | 5,423 |
| Total risk-based capital ratio | 13.9499% | 5,388 |
| Memoranda: | ||
| Average total assets | $389,094,670 | 1,702 |
| Average earning assets | $368,219,670 | 1,642 |
| Average equity | $35,974,330 | 1,930 |
| Average total loans | $288,908,670 | 1,468 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 5,109 |
| Cost of funding earning assets | 0.5655% | 5,389 |
| Net interest margin | 3.6334% | 4,115 |
| Noninterest income to average assets | 0.6343% | 3,030 |
| Noninterest expense to average assets | 4.2440% | 705 |
| Loan and lease loss provision to assets | 0.2151% | 2,795 |
| Net operating income to assets | -0.3755% | 6,753 |
| Return on assets (ROA) | -0.3755% | 6,793 |
| Pretax return on assets | -0.3755% | 6,768 |
| Return on Equity (ROE) | -4.0635% | 6,815 |
| Retained earnings to average equity (ytd only) | -4.0635% | 6,501 |
| Net charge-offs to loans | 0.0108% | 4,565 |
| Credit loss provision to net charge-offs | 2,650.0000% | 116 |
| Earnings coverage of net charge-offs (x) | -19.7500% | 4,704 |
| Efficiency ratio | 103.9264% | 450 |
| Assets per employee ($millions) | 3.9328% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 2,438 |
| Loan loss allowance to noncurrent loans | 17.4080% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 9.3128% | 356 |
| Noncurrent loans to loans | 11.3393% | 234 |
| Net loans and leases to total assets | 74.7313% | 957 |
| Net loans and leases to deposits | 83.2595% | 1,760 |
| Net loans and leases to core deposits | 91.1683% | 1,731 |
| Total domestic deposits to total assets | 89.7571% | 1,215 |
| Equity capital to assets | 9.4007% | 4,959 |
| Core capital (leverage) ratio | 9.1844% | 4,545 |
| Tier 1 risk-based capital ratio | 12.5147% | 5,588 |
| Total risk-based capital ratio | 13.7744% | 5,551 |
| Memoranda: | ||
| Average total assets | $394,153,500 | 1,686 |
| Average earning assets | $374,194,500 | 1,619 |
| Average equity | $36,422,000 | 1,909 |
| Average total loans | $295,319,500 | 1,439 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 4,957 |
| Cost of funding earning assets | 0.7083% | 5,487 |
| Net interest margin | 3.8216% | 3,716 |
| Noninterest income to average assets | 0.5974% | 3,180 |
| Noninterest expense to average assets | 4.2141% | 795 |
| Loan and lease loss provision to assets | 0.6233% | 1,644 |
| Net operating income to assets | -2.0184% | 7,030 |
| Return on assets (ROA) | -2.0184% | 7,040 |
| Pretax return on assets | -0.6263% | 6,566 |
| Return on Equity (ROE) | -20.9432% | 6,995 |
| Retained earnings to average equity (ytd only) | -20.9432% | 6,981 |
| Net charge-offs to loans | 0.9276% | 1,873 |
| Credit loss provision to net charge-offs | 89.3934% | 4,033 |
| Earnings coverage of net charge-offs (x) | -0.0043% | 5,828 |
| Efficiency ratio | 100.0705% | 670 |
| Assets per employee ($millions) | 4.1111% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,615 |
| Loan loss allowance to noncurrent loans | 17.7814% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 8.2936% | 466 |
| Noncurrent loans to loans | 10.6030% | 282 |
| Net loans and leases to total assets | 72.2818% | 1,595 |
| Net loans and leases to deposits | 80.0570% | 2,506 |
| Net loans and leases to core deposits | 87.4930% | 2,434 |
| Total domestic deposits to total assets | 90.2879% | 822 |
| Equity capital to assets | 9.0873% | 5,432 |
| Core capital (leverage) ratio | 9.0617% | 4,679 |
| Tier 1 risk-based capital ratio | 12.5172% | 5,432 |
| Total risk-based capital ratio | 13.7757% | 5,415 |
| Memoranda: | ||
| Average total assets | $404,284,200 | 1,607 |
| Average earning assets | $382,297,400 | 1,556 |
| Average equity | $38,962,600 | 1,730 |
| Average total loans | $303,915,600 | 1,398 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 4,999 |
| Cost of funding earning assets | 0.7417% | 5,510 |
| Net interest margin | 3.8293% | 3,723 |
| Noninterest income to average assets | 0.5770% | 3,323 |
| Noninterest expense to average assets | 4.1248% | 864 |
| Loan and lease loss provision to assets | 0.2498% | 3,510 |
| Net operating income to assets | -0.1081% | 6,294 |
| Return on assets (ROA) | -0.1081% | 6,374 |
| Pretax return on assets | -0.1776% | 6,393 |
| Return on Equity (ROE) | -1.1057% | 6,392 |
| Retained earnings to average equity (ytd only) | -1.1057% | 6,170 |
| Net charge-offs to loans | 0.1422% | 4,645 |
| Credit loss provision to net charge-offs | 232.5153% | 1,222 |
| Earnings coverage of net charge-offs (x) | 0.6718% | 5,121 |
| Efficiency ratio | 98.2806% | 726 |
| Assets per employee ($millions) | 4.0504% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 1,971 |
| Loan loss allowance to noncurrent loans | 18.3930% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 8.5988% | 478 |
| Noncurrent loans to loans | 11.6714% | 248 |
| Net loans and leases to total assets | 71.9235% | 1,726 |
| Net loans and leases to deposits | 80.1498% | 2,630 |
| Net loans and leases to core deposits | 87.7603% | 2,522 |
| Total domestic deposits to total assets | 89.7363% | 1,017 |
| Equity capital to assets | 9.9148% | 4,458 |
| Core capital (leverage) ratio | 9.0858% | 4,800 |
| Tier 1 risk-based capital ratio | 12.6316% | 5,384 |
| Total risk-based capital ratio | 13.8931% | 5,359 |
| Memoranda: | ||
| Average total assets | $404,632,750 | 1,613 |
| Average earning assets | $382,515,750 | 1,559 |
| Average equity | $39,550,250 | 1,713 |
| Average total loans | $305,691,500 | 1,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 4,857 |
| Cost of funding earning assets | 0.7794% | 5,516 |
| Net interest margin | 3.8479% | 3,547 |
| Noninterest income to average assets | 0.5859% | 3,222 |
| Noninterest expense to average assets | 4.2883% | 754 |
| Loan and lease loss provision to assets | 0.2439% | 3,465 |
| Net operating income to assets | -0.1892% | 6,462 |
| Return on assets (ROA) | -0.1892% | 6,498 |
| Pretax return on assets | -0.3114% | 6,539 |
| Return on Equity (ROE) | -1.9452% | 6,511 |
| Retained earnings to average equity (ytd only) | -1.9452% | 6,241 |
| Net charge-offs to loans | 0.0840% | 4,803 |
| Credit loss provision to net charge-offs | 380.7692% | 791 |
| Earnings coverage of net charge-offs (x) | -1.0538% | 5,637 |
| Efficiency ratio | 101.5995% | 675 |
| Assets per employee ($millions) | 4.2367% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 2,195 |
| Loan loss allowance to noncurrent loans | 21.2940% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 7.0282% | 724 |
| Noncurrent loans to loans | 9.6992% | 405 |
| Net loans and leases to total assets | 70.7705% | 2,058 |
| Net loans and leases to deposits | 78.4708% | 3,044 |
| Net loans and leases to core deposits | 85.3046% | 3,029 |
| Total domestic deposits to total assets | 90.1871% | 874 |
| Equity capital to assets | 9.4362% | 4,915 |
| Core capital (leverage) ratio | 9.1057% | 4,557 |
| Tier 1 risk-based capital ratio | 12.4346% | 5,413 |
| Total risk-based capital ratio | 13.6951% | 5,381 |
| Memoranda: | ||
| Average total assets | $405,848,330 | 1,620 |
| Average earning assets | $383,378,000 | 1,569 |
| Average equity | $39,481,330 | 1,693 |
| Average total loans | $309,345,330 | 1,399 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 4,621 |
| Cost of funding earning assets | 0.8309% | 5,386 |
| Net interest margin | 3.8475% | 3,386 |
| Noninterest income to average assets | 0.6535% | 2,819 |
| Noninterest expense to average assets | 4.5778% | 550 |
| Loan and lease loss provision to assets | 0.2636% | 3,024 |
| Net operating income to assets | -0.3388% | 6,694 |
| Return on assets (ROA) | -0.3388% | 6,703 |
| Pretax return on assets | -0.5583% | 6,785 |
| Return on Equity (ROE) | -3.4286% | 6,703 |
| Retained earnings to average equity (ytd only) | -3.4286% | 6,353 |
| Net charge-offs to loans | 0.0077% | 5,003 |
| Credit loss provision to net charge-offs | 4,383.3333% | 86 |
| Earnings coverage of net charge-offs (x) | -49.0000% | 5,089 |
| Efficiency ratio | 106.8804% | 562 |
| Assets per employee ($millions) | 4.0701% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 2,335 |
| Loan loss allowance to noncurrent loans | 20.8592% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 7.3195% | 702 |
| Noncurrent loans to loans | 9.7166% | 426 |
| Net loans and leases to total assets | 73.8027% | 1,378 |
| Net loans and leases to deposits | 82.1857% | 2,331 |
| Net loans and leases to core deposits | 89.5855% | 2,397 |
| Total domestic deposits to total assets | 89.7999% | 1,282 |
| Equity capital to assets | 9.8261% | 4,001 |
| Core capital (leverage) ratio | 9.1715% | 4,335 |
| Tier 1 risk-based capital ratio | 12.4152% | 5,340 |
| Total risk-based capital ratio | 13.6752% | 5,315 |
| Memoranda: | ||
| Average total assets | $399,054,500 | 1,658 |
| Average earning assets | $376,450,500 | 1,612 |
| Average equity | $39,432,500 | 1,685 |
| Average total loans | $312,469,500 | 1,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 3,829 |
| Cost of funding earning assets | 1.1077% | 5,100 |
| Net interest margin | 4.0459% | 2,819 |
| Noninterest income to average assets | 0.4097% | 4,823 |
| Noninterest expense to average assets | 4.3253% | 788 |
| Loan and lease loss provision to assets | 1.4938% | 994 |
| Net operating income to assets | -0.9922% | 6,677 |
| Return on assets (ROA) | -0.9922% | 6,721 |
| Pretax return on assets | -1.6379% | 6,910 |
| Return on Equity (ROE) | -10.1454% | 6,734 |
| Retained earnings to average equity (ytd only) | -10.1454% | 6,668 |
| Net charge-offs to loans | 1.8272% | 1,149 |
| Credit loss provision to net charge-offs | 102.4199% | 4,415 |
| Earnings coverage of net charge-offs (x) | -0.0988% | 6,218 |
| Efficiency ratio | 103.4465% | 687 |
| Assets per employee ($millions) | 3.9916% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 2,740 |
| Loan loss allowance to noncurrent loans | 20.4071% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 7.3100% | 730 |
| Noncurrent loans to loans | 8.9876% | 521 |
| Net loans and leases to total assets | 79.8421% | 682 |
| Net loans and leases to deposits | 89.1481% | 1,626 |
| Net loans and leases to core deposits | 97.4124% | 1,852 |
| Total domestic deposits to total assets | 89.5612% | 1,350 |
| Equity capital to assets | 9.9380% | 3,830 |
| Core capital (leverage) ratio | 9.0265% | 4,495 |
| Tier 1 risk-based capital ratio | 12.0154% | 5,458 |
| Total risk-based capital ratio | 13.2735% | 5,434 |
| Memoranda: | ||
| Average total assets | $410,818,600 | 1,610 |
| Average earning assets | $382,956,400 | 1,576 |
| Average equity | $40,175,800 | 1,652 |
| Average total loans | $327,936,800 | 1,365 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 3,831 |
| Cost of funding earning assets | 1.1633% | 5,068 |
| Net interest margin | 4.0365% | 2,925 |
| Noninterest income to average assets | 0.3385% | 5,452 |
| Noninterest expense to average assets | 4.2279% | 798 |
| Loan and lease loss provision to assets | 0.3340% | 3,932 |
| Net operating income to assets | -0.2861% | 6,420 |
| Return on assets (ROA) | -0.2861% | 6,467 |
| Pretax return on assets | -0.4719% | 6,529 |
| Return on Equity (ROE) | -2.9371% | 6,483 |
| Retained earnings to average equity (ytd only) | -2.9371% | 6,340 |
| Net charge-offs to loans | 0.6845% | 2,713 |
| Credit loss provision to net charge-offs | 61.4066% | 5,654 |
| Earnings coverage of net charge-offs (x) | -0.2535% | 6,218 |
| Efficiency ratio | 103.3721% | 647 |
| Assets per employee ($millions) | 4.1546% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,622 |
| Loan loss allowance to noncurrent loans | 27.5097% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 6.4415% | 887 |
| Noncurrent loans to loans | 5.7357% | 1,132 |
| Net loans and leases to total assets | 78.8912% | 903 |
| Net loans and leases to deposits | 88.0044% | 2,011 |
| Net loans and leases to core deposits | 95.6877% | 2,298 |
| Total domestic deposits to total assets | 89.6446% | 1,054 |
| Equity capital to assets | 9.9268% | 4,257 |
| Core capital (leverage) ratio | 9.2289% | 4,320 |
| Tier 1 risk-based capital ratio | 11.9500% | 5,508 |
| Total risk-based capital ratio | 13.2042% | 5,474 |
| Memoranda: | ||
| Average total assets | $414,730,500 | 1,622 |
| Average earning assets | $385,441,250 | 1,584 |
| Average equity | $40,401,750 | 1,647 |
| Average total loans | $329,569,000 | 1,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 3,923 |
| Cost of funding earning assets | 1.2222% | 5,002 |
| Net interest margin | 3.9840% | 3,096 |
| Noninterest income to average assets | 0.3607% | 5,267 |
| Noninterest expense to average assets | 4.2012% | 811 |
| Loan and lease loss provision to assets | 0.2881% | 4,088 |
| Net operating income to assets | -0.2522% | 6,415 |
| Return on assets (ROA) | -0.2522% | 6,458 |
| Pretax return on assets | -0.4161% | 6,528 |
| Return on Equity (ROE) | -2.6052% | 6,477 |
| Retained earnings to average equity (ytd only) | -2.6052% | 6,239 |
| Net charge-offs to loans | 0.4720% | 3,115 |
| Credit loss provision to net charge-offs | 77.0115% | 4,787 |
| Earnings coverage of net charge-offs (x) | -0.3423% | 5,946 |
| Efficiency ratio | 103.1433% | 706 |
| Assets per employee ($millions) | 4.2945% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 3,035 |
| Loan loss allowance to noncurrent loans | 29.5883% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 5.8395% | 1,025 |
| Noncurrent loans to loans | 5.7764% | 1,125 |
| Net loans and leases to total assets | 76.1128% | 1,477 |
| Net loans and leases to deposits | 84.6382% | 2,760 |
| Net loans and leases to core deposits | 90.8842% | 3,146 |
| Total domestic deposits to total assets | 89.9272% | 952 |
| Equity capital to assets | 9.5797% | 4,583 |
| Core capital (leverage) ratio | 9.4541% | 3,888 |
| Tier 1 risk-based capital ratio | 12.1720% | 5,153 |
| Total risk-based capital ratio | 13.4277% | 5,123 |
| Memoranda: | ||
| Average total assets | $418,641,330 | 1,627 |
| Average earning assets | $390,114,330 | 1,586 |
| Average equity | $40,534,000 | 1,641 |
| Average total loans | $331,749,670 | 1,373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 3,609 |
| Cost of funding earning assets | 1.3060% | 4,780 |
| Net interest margin | 3.9802% | 2,957 |
| Noninterest income to average assets | 0.4186% | 4,747 |
| Noninterest expense to average assets | 4.0792% | 928 |
| Loan and lease loss provision to assets | 0.2069% | 4,431 |
| Net operating income to assets | -0.0776% | 6,412 |
| Return on assets (ROA) | -0.0776% | 6,486 |
| Pretax return on assets | -0.1274% | 6,490 |
| Return on Equity (ROE) | -0.7972% | 6,502 |
| Retained earnings to average equity (ytd only) | -0.7972% | 6,013 |
| Net charge-offs to loans | -0.0514% | 7,355 |
| Credit loss provision to net charge-offs | -502.3256% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0880% | 919 |
| Assets per employee ($millions) | 4.2787% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,685 |
| Loan loss allowance to noncurrent loans | 56.1064% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 4.1454% | 1,645 |
| Noncurrent loans to loans | 3.2366% | 2,471 |
| Net loans and leases to total assets | 78.2814% | 1,099 |
| Net loans and leases to deposits | 88.4155% | 2,154 |
| Net loans and leases to core deposits | 95.2900% | 2,667 |
| Total domestic deposits to total assets | 88.5381% | 1,769 |
| Equity capital to assets | 9.7936% | 4,123 |
| Core capital (leverage) ratio | 9.5245% | 3,730 |
| Tier 1 risk-based capital ratio | 12.1858% | 5,005 |
| Total risk-based capital ratio | 13.4428% | 4,976 |
| Memoranda: | ||
| Average total assets | $417,533,500 | 1,667 |
| Average earning assets | $392,343,500 | 1,616 |
| Average equity | $40,642,500 | 1,644 |
| Average total loans | $334,676,500 | 1,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 3,627 |
| Cost of funding earning assets | 1.7934% | 4,021 |
| Net interest margin | 3.8031% | 3,692 |
| Noninterest income to average assets | 0.3194% | 5,804 |
| Noninterest expense to average assets | 3.7372% | 1,828 |
| Loan and lease loss provision to assets | 0.7905% | 2,760 |
| Net operating income to assets | -0.4141% | 6,097 |
| Return on assets (ROA) | -0.4141% | 6,093 |
| Pretax return on assets | -0.6899% | 6,178 |
| Return on Equity (ROE) | -4.5209% | 6,165 |
| Retained earnings to average equity (ytd only) | -4.5209% | 5,952 |
| Net charge-offs to loans | 0.4820% | 3,843 |
| Credit loss provision to net charge-offs | 197.4654% | 1,995 |
| Earnings coverage of net charge-offs (x) | 0.2512% | 5,868 |
| Efficiency ratio | 97.3803% | 1,249 |
| Assets per employee ($millions) | 4.3753% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 2,894 |
| Loan loss allowance to noncurrent loans | 49.0866% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 4.3235% | 1,511 |
| Noncurrent loans to loans | 3.4611% | 2,195 |
| Net loans and leases to total assets | 79.2080% | 1,147 |
| Net loans and leases to deposits | 90.3499% | 2,166 |
| Net loans and leases to core deposits | 115.1320% | 2,403 |
| Total domestic deposits to total assets | 87.6681% | 2,135 |
| Equity capital to assets | 9.6750% | 4,177 |
| Core capital (leverage) ratio | 9.1606% | 4,180 |
| Tier 1 risk-based capital ratio | 12.0526% | 4,900 |
| Total risk-based capital ratio | 13.3081% | 4,857 |
| Memoranda: | ||
| Average total assets | $433,671,400 | 1,597 |
| Average earning assets | $401,195,800 | 1,585 |
| Average equity | $39,727,000 | 1,688 |
| Average total loans | $360,198,400 | 1,346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6272% | 3,710 |
| Cost of funding earning assets | 1.8378% | 4,207 |
| Net interest margin | 3.7894% | 3,703 |
| Noninterest income to average assets | 0.2974% | 6,093 |
| Noninterest expense to average assets | 3.5419% | 2,167 |
| Loan and lease loss provision to assets | 0.4509% | 3,661 |
| Net operating income to assets | -0.1263% | 5,937 |
| Return on assets (ROA) | -0.1263% | 5,964 |
| Pretax return on assets | -0.2019% | 5,985 |
| Return on Equity (ROE) | -1.3975% | 6,002 |
| Retained earnings to average equity (ytd only) | -1.3975% | 5,584 |
| Net charge-offs to loans | 0.3464% | 3,905 |
| Credit loss provision to net charge-offs | 155.5789% | 3,063 |
| Earnings coverage of net charge-offs (x) | 0.8589% | 5,200 |
| Efficiency ratio | 93.4337% | 1,437 |
| Assets per employee ($millions) | 4.3999% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,535 |
| Loan loss allowance to noncurrent loans | 63.8185% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 3.3306% | 2,026 |
| Noncurrent loans to loans | 2.0301% | 3,597 |
| Net loans and leases to total assets | 82.7182% | 708 |
| Net loans and leases to deposits | 94.7232% | 1,760 |
| Net loans and leases to core deposits | 125.6274% | 1,767 |
| Total domestic deposits to total assets | 87.3262% | 1,996 |
| Equity capital to assets | 9.9495% | 4,155 |
| Core capital (leverage) ratio | 9.5139% | 3,889 |
| Tier 1 risk-based capital ratio | 11.8219% | 5,139 |
| Total risk-based capital ratio | 13.0723% | 5,078 |
| Memoranda: | ||
| Average total assets | $437,081,500 | 1,594 |
| Average earning assets | $402,935,250 | 1,590 |
| Average equity | $39,499,250 | 1,720 |
| Average total loans | $365,636,000 | 1,338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 4,296 |
| Cost of funding earning assets | 1.8557% | 4,485 |
| Net interest margin | 3.7020% | 3,943 |
| Noninterest income to average assets | 0.2783% | 6,275 |
| Noninterest expense to average assets | 3.3074% | 2,926 |
| Loan and lease loss provision to assets | 0.3154% | 4,053 |
| Net operating income to assets | 0.0312% | 5,753 |
| Return on assets (ROA) | 0.0312% | 5,839 |
| Pretax return on assets | 0.0643% | 5,755 |
| Return on Equity (ROE) | 0.3570% | 5,828 |
| Retained earnings to average equity (ytd only) | 0.3570% | 5,078 |
| Net charge-offs to loans | 0.3680% | 3,347 |
| Credit loss provision to net charge-offs | 102.5000% | 4,464 |
| Earnings coverage of net charge-offs (x) | 1.2338% | 4,610 |
| Efficiency ratio | 89.7030% | 1,843 |
| Assets per employee ($millions) | 4.6785% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,477 |
| Loan loss allowance to noncurrent loans | 64.9092% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.5035% | 2,572 |
| Noncurrent loans to loans | 1.7212% | 3,923 |
| Net loans and leases to total assets | 80.3036% | 1,260 |
| Net loans and leases to deposits | 90.4840% | 2,752 |
| Net loans and leases to core deposits | 120.5111% | 2,322 |
| Total domestic deposits to total assets | 88.7489% | 1,403 |
| Equity capital to assets | 8.6911% | 5,767 |
| Core capital (leverage) ratio | 8.8153% | 4,922 |
| Tier 1 risk-based capital ratio | 10.4977% | 6,380 |
| Total risk-based capital ratio | 11.5936% | 6,478 |
| Memoranda: | ||
| Average total assets | $441,978,000 | 1,601 |
| Average earning assets | $406,964,330 | 1,596 |
| Average equity | $38,657,000 | 1,764 |
| Average total loans | $369,521,000 | 1,345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 4,963 |
| Cost of funding earning assets | 1.8612% | 4,826 |
| Net interest margin | 3.6293% | 4,191 |
| Noninterest income to average assets | 0.3969% | 5,231 |
| Noninterest expense to average assets | 2.9690% | 3,892 |
| Loan and lease loss provision to assets | 0.2938% | 3,601 |
| Net operating income to assets | 0.2755% | 5,382 |
| Return on assets (ROA) | 0.2755% | 5,553 |
| Pretax return on assets | 0.4754% | 5,151 |
| Return on Equity (ROE) | 3.1403% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.1403% | 4,128 |
| Net charge-offs to loans | 0.2538% | 3,141 |
| Credit loss provision to net charge-offs | 136.4407% | 2,972 |
| Earnings coverage of net charge-offs (x) | 3.5720% | 3,134 |
| Efficiency ratio | 79.4240% | 2,921 |
| Assets per employee ($millions) | 4.7799% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 5,444 |
| Loan loss allowance to noncurrent loans | 78.7533% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 2,395 |
| Noncurrent loans to loans | 1.4018% | 4,210 |
| Net loans and leases to total assets | 82.6211% | 912 |
| Net loans and leases to deposits | 95.9940% | 1,949 |
| Net loans and leases to core deposits | 131.7550% | 1,552 |
| Total domestic deposits to total assets | 86.0690% | 2,674 |
| Equity capital to assets | 8.7175% | 5,739 |
| Core capital (leverage) ratio | 9.0704% | 4,596 |
| Tier 1 risk-based capital ratio | 9.8009% | 7,140 |
| Total risk-based capital ratio | 10.8378% | 7,287 |
| Memoranda: | ||
| Average total assets | $438,398,500 | 1,620 |
| Average earning assets | $403,602,000 | 1,615 |
| Average equity | $38,468,000 | 1,765 |
| Average total loans | $371,907,500 | 1,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3186% | 3,866 |
| Cost of funding earning assets | 2.3659% | 4,868 |
| Net interest margin | 3.9527% | 3,347 |
| Noninterest income to average assets | 0.4630% | 4,940 |
| Noninterest expense to average assets | 3.7889% | 1,776 |
| Loan and lease loss provision to assets | 0.3949% | 3,323 |
| Net operating income to assets | 0.0795% | 6,157 |
| Return on assets (ROA) | -1.4832% | 7,405 |
| Pretax return on assets | -2.4729% | 7,587 |
| Return on Equity (ROE) | -14.7467% | 7,579 |
| Retained earnings to average equity (ytd only) | -14.7467% | 7,444 |
| Net charge-offs to loans | 0.1593% | 4,600 |
| Credit loss provision to net charge-offs | 287.4770% | 1,578 |
| Earnings coverage of net charge-offs (x) | 2.6483% | 4,763 |
| Efficiency ratio | 91.2397% | 1,428 |
| Assets per employee ($millions) | 4.5966% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,275 |
| Loan loss allowance to noncurrent loans | 91.1500% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.3617% | 2,053 |
| Noncurrent loans to loans | 1.2083% | 4,098 |
| Net loans and leases to total assets | 85.2396% | 695 |
| Net loans and leases to deposits | 100.3202% | 1,809 |
| Net loans and leases to core deposits | 133.9829% | 1,599 |
| Total domestic deposits to total assets | 84.9676% | 2,859 |
| Equity capital to assets | 8.8348% | 5,593 |
| Core capital (leverage) ratio | 9.0468% | 4,676 |
| Tier 1 risk-based capital ratio | 9.6260% | 7,178 |
| Total risk-based capital ratio | 10.6604% | 7,321 |
| Memoranda: | ||
| Average total assets | $395,287,400 | 1,713 |
| Average earning assets | $368,991,600 | 1,687 |
| Average equity | $39,758,000 | 1,696 |
| Average total loans | $340,828,800 | 1,424 |