Home > Eastern National Bank > Performance and Condition Ratios
Eastern National 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 | 6.0396% | 604 |
| Cost of funding earning assets | 2.6644% | 266 |
| Net interest margin | 3.3753% | 2,458 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 5.1892% | 216 |
| Loan and lease loss provision to assets | -0.3500% | 4,577 |
| Net operating income to assets | -1.5818% | 4,558 |
| Return on assets (ROA) | -1.5818% | 4,552 |
| Pretax return on assets | -1.5818% | 4,549 |
| Return on Equity (ROE) | -18.5700% | 4,542 |
| Retained earnings to average equity (ytd only) | -18.5670% | 4,516 |
| Net charge-offs to loans | -0.0486% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 159.1463% | 35 |
| Assets per employee ($millions) | 3.2854% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 322 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.4300% | 2,893 |
| Net loans and leases to deposits | 67.4737% | 3,070 |
| Net loans and leases to core deposits | 81.1121% | 2,645 |
| Total domestic deposits to total assets | 87.9700% | 1,371 |
| Equity capital to assets | 8.8475% | 2,787 |
| Core capital (leverage) ratio | 8.5122% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2790% | 1,449 |
| Memoranda: | ||
| Average total assets | $209,068,400 | 2,923 |
| Average earning assets | $168,106,000 | 3,113 |
| Average equity | $17,811,200 | 3,027 |
| Average total loans | $125,473,200 | 2,897 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1208% | 457 |
| Cost of funding earning assets | 2.6231% | 230 |
| Net interest margin | 3.4977% | 2,212 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 5.0957% | 222 |
| Loan and lease loss provision to assets | -0.2300% | 4,592 |
| Net operating income to assets | -1.5287% | 4,585 |
| Return on assets (ROA) | -1.5287% | 4,579 |
| Pretax return on assets | -1.5287% | 4,575 |
| Return on Equity (ROE) | -18.0900% | 4,570 |
| Retained earnings to average equity (ytd only) | -18.0929% | 4,548 |
| Net charge-offs to loans | 0.1365% | 596 |
| Credit loss provision to net charge-offs | -284.0909% | 4,556 |
| Earnings coverage of net charge-offs (x) | -21.5455% | 4,610 |
| Efficiency ratio | 152.8036% | 40 |
| Assets per employee ($millions) | 3.5082% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 379 |
| Loan loss allowance to noncurrent loans | 1,574.8428% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,062 |
| Noncurrent loans to loans | 0.1284% | 2,908 |
| Net loans and leases to total assets | 60.6600% | 2,779 |
| Net loans and leases to deposits | 68.6428% | 2,931 |
| Net loans and leases to core deposits | 85.3168% | 2,225 |
| Total domestic deposits to total assets | 88.2800% | 1,483 |
| Equity capital to assets | 8.5350% | 2,706 |
| Core capital (leverage) ratio | 8.2061% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5395% | 1,697 |
| Memoranda: | ||
| Average total assets | $215,339,500 | 2,881 |
| Average earning assets | $168,295,750 | 3,120 |
| Average equity | $18,194,500 | 2,989 |
| Average total loans | $128,921,000 | 2,871 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1326% | 380 |
| Cost of funding earning assets | 2.4844% | 198 |
| Net interest margin | 3.6482% | 1,920 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 4.9922% | 222 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | -1.8116% | 4,624 |
| Return on assets (ROA) | -1.8116% | 4,623 |
| Pretax return on assets | -1.8116% | 4,616 |
| Return on Equity (ROE) | -21.5100% | 4,613 |
| Retained earnings to average equity (ytd only) | -21.5074% | 4,582 |
| Net charge-offs to loans | 0.3047% | 274 |
| Credit loss provision to net charge-offs | -75.3769% | 4,537 |
| Earnings coverage of net charge-offs (x) | -10.7889% | 4,635 |
| Efficiency ratio | 163.9750% | 32 |
| Assets per employee ($millions) | 3.5449% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 312 |
| Loan loss allowance to noncurrent loans | 617.6334% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,198 |
| Noncurrent loans to loans | 0.3542% | 1,866 |
| Net loans and leases to total assets | 55.0300% | 3,188 |
| Net loans and leases to deposits | 61.7544% | 3,320 |
| Net loans and leases to core deposits | 78.7294% | 2,567 |
| Total domestic deposits to total assets | 89.0300% | 1,249 |
| Equity capital to assets | 8.1146% | 3,145 |
| Core capital (leverage) ratio | 8.1250% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2134% | 1,507 |
| Memoranda: | ||
| Average total assets | $220,464,000 | 2,867 |
| Average earning assets | $165,673,000 | 3,150 |
| Average equity | $18,570,333 | 2,979 |
| Average total loans | $130,626,667 | 2,858 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5364% | 174 |
| Cost of funding earning assets | 2.2791% | 160 |
| Net interest margin | 4.2573% | 866 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 4.8648% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.6480% | 4,640 |
| Return on assets (ROA) | -1.6480% | 4,634 |
| Pretax return on assets | -1.6480% | 4,630 |
| Return on Equity (ROE) | -19.2200% | 4,632 |
| Retained earnings to average equity (ytd only) | -19.2223% | 4,587 |
| Net charge-offs to loans | 0.4589% | 179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -5.9161% | 4,658 |
| Efficiency ratio | 151.2291% | 40 |
| Assets per employee ($millions) | 3.5843% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1561% | 341 |
| Loan loss allowance to noncurrent loans | 497.5610% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 1,828 |
| Noncurrent loans to loans | 0.4333% | 1,633 |
| Net loans and leases to total assets | 59.2800% | 2,740 |
| Net loans and leases to deposits | 66.7847% | 2,864 |
| Net loans and leases to core deposits | 85.3147% | 1,907 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 8.5275% | 2,872 |
| Core capital (leverage) ratio | 8.3627% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1809% | 1,913 |
| Memoranda: | ||
| Average total assets | $222,576,500 | 2,893 |
| Average earning assets | $152,868,000 | 3,291 |
| Average equity | $19,082,000 | 2,967 |
| Average total loans | $135,106,500 | 2,851 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 815 |
| Cost of funding earning assets | 0.5768% | 988 |
| Net interest margin | 3.8655% | 1,038 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 4.6363% | 250 |
| Loan and lease loss provision to assets | -0.2500% | 4,648 |
| Net operating income to assets | -1.1256% | 4,664 |
| Return on assets (ROA) | -1.1799% | 4,662 |
| Pretax return on assets | -1.1799% | 4,652 |
| Return on Equity (ROE) | -14.0000% | 4,681 |
| Retained earnings to average equity (ytd only) | -13.9982% | 4,669 |
| Net charge-offs to loans | -0.3190% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 142.2389% | 45 |
| Assets per employee ($millions) | 3.6534% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 312 |
| Loan loss allowance to noncurrent loans | 644.7537% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,134 |
| Noncurrent loans to loans | 0.3390% | 1,936 |
| Net loans and leases to total assets | 59.4900% | 2,688 |
| Net loans and leases to deposits | 66.9700% | 2,816 |
| Net loans and leases to core deposits | 84.6469% | 1,836 |
| Total domestic deposits to total assets | 88.7100% | 1,809 |
| Equity capital to assets | 8.6174% | 2,621 |
| Core capital (leverage) ratio | 8.6046% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4189% | 1,811 |
| Memoranda: | ||
| Average total assets | $248,843,000 | 2,738 |
| Average earning assets | $180,492,800 | 3,060 |
| Average equity | $20,974,200 | 2,860 |
| Average total loans | $155,482,400 | 2,586 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 1,283 |
| Cost of funding earning assets | 0.3879% | 1,376 |
| Net interest margin | 3.6045% | 1,379 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 4.5136% | 249 |
| Loan and lease loss provision to assets | -0.2400% | 4,690 |
| Net operating income to assets | -1.1487% | 4,711 |
| Return on assets (ROA) | -1.2194% | 4,707 |
| Pretax return on assets | -1.2194% | 4,696 |
| Return on Equity (ROE) | -14.5400% | 4,720 |
| Retained earnings to average equity (ytd only) | -14.5402% | 4,712 |
| Net charge-offs to loans | 0.1934% | 342 |
| Credit loss provision to net charge-offs | -193.9655% | 4,662 |
| Earnings coverage of net charge-offs (x) | -11.3879% | 4,738 |
| Efficiency ratio | 144.2472% | 44 |
| Assets per employee ($millions) | 3.8356% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 979 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.8500% | 2,308 |
| Net loans and leases to deposits | 69.3662% | 2,426 |
| Net loans and leases to core deposits | 84.5126% | 1,619 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 8.4636% | 2,570 |
| Core capital (leverage) ratio | 8.3476% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7891% | 2,133 |
| Memoranda: | ||
| Average total assets | $254,426,750 | 2,721 |
| Average earning assets | $185,949,250 | 3,051 |
| Average equity | $21,338,000 | 2,864 |
| Average total loans | $159,915,000 | 2,546 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 1,633 |
| Cost of funding earning assets | 0.3023% | 1,692 |
| Net interest margin | 3.3634% | 1,705 |
| Noninterest income to average assets | 0.4116% | 2,680 |
| Noninterest expense to average assets | 4.4860% | 216 |
| Loan and lease loss provision to assets | -0.3462% | 4,735 |
| Net operating income to assets | -1.2202% | 4,721 |
| Return on assets (ROA) | -1.3240% | 4,720 |
| Pretax return on assets | -1.3240% | 4,716 |
| Return on Equity (ROE) | -15.8314% | 4,740 |
| Retained earnings to average equity (ytd only) | -15.8314% | 4,706 |
| Net charge-offs to loans | -0.2534% | 4,625 |
| Credit loss provision to net charge-offs | 217.3913% | 935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.6495% | 40 |
| Assets per employee ($millions) | 4.1916% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 648 |
| Loan loss allowance to noncurrent loans | 234.5749% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 1,161 |
| Noncurrent loans to loans | 0.8145% | 1,057 |
| Net loans and leases to total assets | 59.1414% | 2,424 |
| Net loans and leases to deposits | 66.0302% | 2,543 |
| Net loans and leases to core deposits | 78.3701% | 1,833 |
| Total domestic deposits to total assets | 89.4447% | 1,978 |
| Equity capital to assets | 8.2646% | 2,934 |
| Core capital (leverage) ratio | 8.2003% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0900% | 2,023 |
| Memoranda: | ||
| Average total assets | $259,967,000 | 2,711 |
| Average earning assets | $193,854,333 | 3,037 |
| Average equity | $21,741,667 | 2,925 |
| Average total loans | $163,372,667 | 2,524 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 1,387 |
| Cost of funding earning assets | 0.2819% | 1,801 |
| Net interest margin | 3.3666% | 1,381 |
| Noninterest income to average assets | 0.3679% | 2,887 |
| Noninterest expense to average assets | 4.4515% | 210 |
| Loan and lease loss provision to assets | -0.4580% | 4,753 |
| Net operating income to assets | -0.9999% | 4,736 |
| Return on assets (ROA) | -1.1388% | 4,739 |
| Pretax return on assets | -1.1388% | 4,735 |
| Return on Equity (ROE) | -13.4293% | 4,761 |
| Retained earnings to average equity (ytd only) | -13.4293% | 4,621 |
| Net charge-offs to loans | -0.2387% | 4,630 |
| Credit loss provision to net charge-offs | 297.0297% | 675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.6996% | 42 |
| Assets per employee ($millions) | 4.1234% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 868 |
| Loan loss allowance to noncurrent loans | 228.6936% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 1,212 |
| Noncurrent loans to loans | 0.7908% | 1,199 |
| Net loans and leases to total assets | 61.4698% | 1,918 |
| Net loans and leases to deposits | 67.5191% | 2,198 |
| Net loans and leases to core deposits | 79.7692% | 1,501 |
| Total domestic deposits to total assets | 90.9213% | 1,074 |
| Equity capital to assets | 8.3885% | 3,250 |
| Core capital (leverage) ratio | 8.3309% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1323% | 2,145 |
| Memoranda: | ||
| Average total assets | $262,022,000 | 2,709 |
| Average earning assets | $204,358,500 | 2,974 |
| Average equity | $22,220,000 | 2,969 |
| Average total loans | $169,242,000 | 2,464 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 2,114 |
| Cost of funding earning assets | 0.4510% | 1,195 |
| Net interest margin | 3.2485% | 2,467 |
| Noninterest income to average assets | 0.3556% | 3,309 |
| Noninterest expense to average assets | 4.3065% | 237 |
| Loan and lease loss provision to assets | -0.8794% | 4,830 |
| Net operating income to assets | -0.3592% | 4,745 |
| Return on assets (ROA) | -0.3778% | 4,752 |
| Pretax return on assets | -0.3778% | 4,751 |
| Return on Equity (ROE) | -5.0577% | 4,777 |
| Retained earnings to average equity (ytd only) | -5.0577% | 4,710 |
| Net charge-offs to loans | -0.3878% | 4,771 |
| Credit loss provision to net charge-offs | 335.1716% | 1,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3731% | 45 |
| Assets per employee ($millions) | 4.0657% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 892 |
| Loan loss allowance to noncurrent loans | 2,595.0413% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 3,675 |
| Noncurrent loans to loans | 0.0688% | 3,598 |
| Net loans and leases to total assets | 65.3575% | 1,547 |
| Net loans and leases to deposits | 71.9470% | 1,916 |
| Net loans and leases to core deposits | 85.1534% | 1,250 |
| Total domestic deposits to total assets | 90.7235% | 614 |
| Equity capital to assets | 8.5704% | 4,005 |
| Core capital (leverage) ratio | 8.3589% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7602% | 2,337 |
| Memoranda: | ||
| Average total assets | $310,994,800 | 2,390 |
| Average earning assets | $259,658,000 | 2,555 |
| Average equity | $23,231,800 | 2,960 |
| Average total loans | $210,417,600 | 2,172 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 2,340 |
| Cost of funding earning assets | 0.4912% | 1,094 |
| Net interest margin | 3.1855% | 2,772 |
| Noninterest income to average assets | 0.3636% | 3,279 |
| Noninterest expense to average assets | 4.1932% | 252 |
| Loan and lease loss provision to assets | -0.7376% | 4,901 |
| Net operating income to assets | -0.3963% | 4,819 |
| Return on assets (ROA) | -0.4124% | 4,828 |
| Pretax return on assets | -0.4124% | 4,825 |
| Return on Equity (ROE) | -5.6919% | 4,856 |
| Retained earnings to average equity (ytd only) | -5.6919% | 4,797 |
| Net charge-offs to loans | -0.3956% | 4,825 |
| Credit loss provision to net charge-offs | 274.6154% | 1,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.0610% | 49 |
| Assets per employee ($millions) | 4.2197% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 637 |
| Loan loss allowance to noncurrent loans | 3,114.2857% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,853 |
| Noncurrent loans to loans | 0.0641% | 3,777 |
| Net loans and leases to total assets | 68.1476% | 1,305 |
| Net loans and leases to deposits | 74.6358% | 1,797 |
| Net loans and leases to core deposits | 88.2708% | 1,135 |
| Total domestic deposits to total assets | 91.1962% | 309 |
| Equity capital to assets | 8.0808% | 4,475 |
| Core capital (leverage) ratio | 7.5135% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8205% | 2,767 |
| Memoranda: | ||
| Average total assets | $322,675,750 | 2,357 |
| Average earning assets | $273,062,000 | 2,489 |
| Average equity | $23,377,500 | 2,985 |
| Average total loans | $219,056,750 | 2,139 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 2,612 |
| Cost of funding earning assets | 0.5435% | 973 |
| Net interest margin | 3.0587% | 3,151 |
| Noninterest income to average assets | 0.3869% | 3,175 |
| Noninterest expense to average assets | 4.0310% | 284 |
| Loan and lease loss provision to assets | -0.5714% | 4,915 |
| Net operating income to assets | -0.4196% | 4,859 |
| Return on assets (ROA) | -0.4369% | 4,864 |
| Pretax return on assets | -0.4369% | 4,860 |
| Return on Equity (ROE) | -6.2323% | 4,888 |
| Retained earnings to average equity (ytd only) | -6.2323% | 4,810 |
| Net charge-offs to loans | -0.2887% | 4,837 |
| Credit loss provision to net charge-offs | 293.5780% | 902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6023% | 52 |
| Assets per employee ($millions) | 4.1569% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 507 |
| Loan loss allowance to noncurrent loans | 423.9464% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 2,293 |
| Noncurrent loans to loans | 0.4948% | 2,198 |
| Net loans and leases to total assets | 64.5313% | 1,889 |
| Net loans and leases to deposits | 69.9727% | 2,411 |
| Net loans and leases to core deposits | 83.5322% | 1,603 |
| Total domestic deposits to total assets | 92.1244% | 106 |
| Equity capital to assets | 7.2217% | 4,801 |
| Core capital (leverage) ratio | 7.0136% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1280% | 2,937 |
| Memoranda: | ||
| Average total assets | $335,994,333 | 2,276 |
| Average earning assets | $291,431,000 | 2,389 |
| Average equity | $23,554,667 | 2,968 |
| Average total loans | $226,545,333 | 2,114 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 2,529 |
| Cost of funding earning assets | 0.6499% | 696 |
| Net interest margin | 2.9874% | 3,291 |
| Noninterest income to average assets | 0.4860% | 2,670 |
| Noninterest expense to average assets | 3.8462% | 325 |
| Loan and lease loss provision to assets | -0.5813% | 4,933 |
| Net operating income to assets | -0.1918% | 4,835 |
| Return on assets (ROA) | -0.2325% | 4,854 |
| Pretax return on assets | -0.2325% | 4,845 |
| Return on Equity (ROE) | -3.3649% | 4,881 |
| Retained earnings to average equity (ytd only) | -3.3649% | 4,618 |
| Net charge-offs to loans | -0.2133% | 4,793 |
| Credit loss provision to net charge-offs | 400.0000% | 654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1608% | 62 |
| Assets per employee ($millions) | 4.3378% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 569 |
| Loan loss allowance to noncurrent loans | 177.9635% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 1,162 |
| Noncurrent loans to loans | 1.1377% | 1,178 |
| Net loans and leases to total assets | 66.9913% | 1,665 |
| Net loans and leases to deposits | 72.5150% | 2,263 |
| Net loans and leases to core deposits | 87.0328% | 1,452 |
| Total domestic deposits to total assets | 92.2680% | 98 |
| Equity capital to assets | 6.9884% | 4,849 |
| Core capital (leverage) ratio | 6.8862% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6944% | 2,979 |
| Memoranda: | ||
| Average total assets | $344,027,500 | 2,217 |
| Average earning assets | $297,914,000 | 2,348 |
| Average equity | $23,774,500 | 2,944 |
| Average total loans | $234,405,000 | 2,070 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,025 |
| Cost of funding earning assets | 1.1881% | 293 |
| Net interest margin | 3.0537% | 3,742 |
| Noninterest income to average assets | 0.3642% | 3,291 |
| Noninterest expense to average assets | 4.5247% | 250 |
| Loan and lease loss provision to assets | 0.1375% | 2,640 |
| Net operating income to assets | -3.1404% | 4,977 |
| Return on assets (ROA) | -3.1279% | 4,977 |
| Pretax return on assets | -1.6307% | 4,949 |
| Return on Equity (ROE) | -34.6518% | 4,991 |
| Retained earnings to average equity (ytd only) | -34.6518% | 4,981 |
| Net charge-offs to loans | 0.3221% | 555 |
| Credit loss provision to net charge-offs | 54.9769% | 3,113 |
| Earnings coverage of net charge-offs (x) | -6.0197% | 3,386 |
| Efficiency ratio | 149.8706% | 38 |
| Assets per employee ($millions) | 4.4834% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1304% | 466 |
| Loan loss allowance to noncurrent loans | 177.5088% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 2.9896% | 126 |
| Noncurrent loans to loans | 1.2002% | 1,169 |
| Net loans and leases to total assets | 66.4566% | 2,023 |
| Net loans and leases to deposits | 71.8836% | 2,695 |
| Net loans and leases to core deposits | 86.0517% | 1,865 |
| Total domestic deposits to total assets | 92.3388% | 48 |
| Equity capital to assets | 6.8354% | 4,927 |
| Core capital (leverage) ratio | 6.6935% | 4,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6276% | 3,003 |
| Memoranda: | ||
| Average total assets | $345,438,200 | 2,073 |
| Average earning assets | $300,322,200 | 2,178 |
| Average equity | $31,181,600 | 2,421 |
| Average total loans | $268,203,200 | 1,835 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,012 |
| Cost of funding earning assets | 1.2812% | 266 |
| Net interest margin | 3.0518% | 3,860 |
| Noninterest income to average assets | 0.3779% | 3,194 |
| Noninterest expense to average assets | 4.5868% | 239 |
| Loan and lease loss provision to assets | 0.1548% | 2,464 |
| Net operating income to assets | -1.2629% | 4,964 |
| Return on assets (ROA) | -1.2482% | 4,962 |
| Pretax return on assets | -1.6826% | 4,974 |
| Return on Equity (ROE) | -13.0255% | 4,981 |
| Retained earnings to average equity (ytd only) | -13.0255% | 4,956 |
| Net charge-offs to loans | 0.3934% | 405 |
| Credit loss provision to net charge-offs | 49.1400% | 2,890 |
| Earnings coverage of net charge-offs (x) | -4.9066% | 3,188 |
| Efficiency ratio | 150.8595% | 39 |
| Assets per employee ($millions) | 4.4518% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 524 |
| Loan loss allowance to noncurrent loans | 40.0892% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 3.5258% | 109 |
| Noncurrent loans to loans | 4.9099% | 112 |
| Net loans and leases to total assets | 70.3976% | 1,890 |
| Net loans and leases to deposits | 77.8939% | 2,541 |
| Net loans and leases to core deposits | 94.6452% | 1,583 |
| Total domestic deposits to total assets | 90.2666% | 341 |
| Equity capital to assets | 8.8310% | 4,232 |
| Core capital (leverage) ratio | 7.5425% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4166% | 3,046 |
| Memoranda: | ||
| Average total assets | $344,370,750 | 2,058 |
| Average earning assets | $300,448,750 | 2,149 |
| Average equity | $33,001,000 | 2,326 |
| Average total loans | $275,888,250 | 1,782 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,938 |
| Cost of funding earning assets | 1.3675% | 257 |
| Net interest margin | 3.1239% | 3,852 |
| Noninterest income to average assets | 0.3243% | 3,523 |
| Noninterest expense to average assets | 4.6727% | 233 |
| Loan and lease loss provision to assets | 0.1909% | 2,118 |
| Net operating income to assets | -1.3347% | 4,988 |
| Return on assets (ROA) | -1.3124% | 4,988 |
| Pretax return on assets | -1.7736% | 5,000 |
| Return on Equity (ROE) | -13.3303% | 5,006 |
| Retained earnings to average equity (ytd only) | -13.3303% | 4,964 |
| Net charge-offs to loans | 0.4982% | 321 |
| Credit loss provision to net charge-offs | 46.1648% | 2,640 |
| Earnings coverage of net charge-offs (x) | -3.8949% | 2,974 |
| Efficiency ratio | 152.6094% | 41 |
| Assets per employee ($millions) | 4.2163% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 538 |
| Loan loss allowance to noncurrent loans | 49.3045% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 3.0104% | 154 |
| Noncurrent loans to loans | 3.8379% | 186 |
| Net loans and leases to total assets | 76.9543% | 1,003 |
| Net loans and leases to deposits | 85.7945% | 1,792 |
| Net loans and leases to core deposits | 107.1774% | 847 |
| Total domestic deposits to total assets | 89.6694% | 505 |
| Equity capital to assets | 9.5142% | 3,651 |
| Core capital (leverage) ratio | 8.1429% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7146% | 3,042 |
| Memoranda: | ||
| Average total assets | $340,446,333 | 2,047 |
| Average earning assets | $298,348,000 | 2,135 |
| Average equity | $33,517,667 | 2,288 |
| Average total loans | $282,600,667 | 1,736 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 1,927 |
| Cost of funding earning assets | 1.4397% | 335 |
| Net interest margin | 3.1849% | 3,898 |
| Noninterest income to average assets | 0.3766% | 3,258 |
| Noninterest expense to average assets | 4.9707% | 229 |
| Loan and lease loss provision to assets | 0.2942% | 1,055 |
| Net operating income to assets | -1.5313% | 5,025 |
| Return on assets (ROA) | -1.5016% | 5,011 |
| Pretax return on assets | -2.0288% | 5,028 |
| Return on Equity (ROE) | -14.9985% | 5,038 |
| Retained earnings to average equity (ytd only) | -14.9985% | 4,897 |
| Net charge-offs to loans | 1.0788% | 144 |
| Credit loss provision to net charge-offs | 31.9693% | 2,147 |
| Earnings coverage of net charge-offs (x) | -1.9258% | 2,503 |
| Efficiency ratio | 155.4084% | 51 |
| Assets per employee ($millions) | 4.0265% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 833 |
| Loan loss allowance to noncurrent loans | 123.7041% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1750% | 1,070 |
| Noncurrent loans to loans | 1.3941% | 1,150 |
| Net loans and leases to total assets | 82.8277% | 368 |
| Net loans and leases to deposits | 92.7383% | 1,207 |
| Net loans and leases to core deposits | 115.6898% | 600 |
| Total domestic deposits to total assets | 89.2864% | 551 |
| Equity capital to assets | 9.8887% | 3,892 |
| Core capital (leverage) ratio | 8.5985% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7702% | 3,162 |
| Memoranda: | ||
| Average total assets | $339,909,000 | 1,999 |
| Average earning assets | $301,173,500 | 2,069 |
| Average equity | $34,030,000 | 2,242 |
| Average total loans | $289,959,000 | 1,679 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 1,580 |
| Cost of funding earning assets | 1.5383% | 355 |
| Net interest margin | 3.4247% | 3,665 |
| Noninterest income to average assets | 0.5050% | 2,706 |
| Noninterest expense to average assets | 4.2534% | 397 |
| Loan and lease loss provision to assets | 0.3281% | 484 |
| Net operating income to assets | -0.7815% | 5,078 |
| Return on assets (ROA) | -0.7695% | 5,082 |
| Pretax return on assets | -1.0575% | 5,099 |
| Return on Equity (ROE) | -7.8886% | 5,107 |
| Retained earnings to average equity (ytd only) | -7.8886% | 5,040 |
| Net charge-offs to loans | 0.6602% | 267 |
| Credit loss provision to net charge-offs | 58.9707% | 3,049 |
| Earnings coverage of net charge-offs (x) | -1.3381% | 3,659 |
| Efficiency ratio | 121.2204% | 75 |
| Assets per employee ($millions) | 3.9264% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 603 |
| Loan loss allowance to noncurrent loans | 153.9418% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 1,204 |
| Noncurrent loans to loans | 1.2002% | 1,258 |
| Net loans and leases to total assets | 84.7236% | 260 |
| Net loans and leases to deposits | 95.2539% | 1,024 |
| Net loans and leases to core deposits | 118.4257% | 525 |
| Total domestic deposits to total assets | 88.7369% | 776 |
| Equity capital to assets | 10.1331% | 3,803 |
| Core capital (leverage) ratio | 8.7725% | 4,683 |
| Tier 1 risk-based capital ratio | 10.6455% | 4,970 |
| Total risk-based capital ratio | 11.9045% | 4,894 |
| Memoranda: | ||
| Average total assets | $373,632,600 | 1,829 |
| Average earning assets | $327,704,000 | 1,887 |
| Average equity | $36,444,800 | 2,076 |
| Average total loans | $314,925,600 | 1,541 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 1,397 |
| Cost of funding earning assets | 1.5327% | 377 |
| Net interest margin | 3.5247% | 3,488 |
| Noninterest income to average assets | 0.4531% | 3,005 |
| Noninterest expense to average assets | 4.0333% | 510 |
| Loan and lease loss provision to assets | 0.1572% | 1,195 |
| Net operating income to assets | -0.4695% | 5,132 |
| Return on assets (ROA) | -0.4510% | 5,141 |
| Pretax return on assets | -0.6344% | 5,148 |
| Return on Equity (ROE) | -4.6644% | 5,154 |
| Retained earnings to average equity (ytd only) | -4.6644% | 5,051 |
| Net charge-offs to loans | 0.1175% | 1,315 |
| Credit loss provision to net charge-offs | 159.5745% | 1,558 |
| Earnings coverage of net charge-offs (x) | -5.0816% | 3,423 |
| Efficiency ratio | 114.1713% | 93 |
| Assets per employee ($millions) | 4.3039% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2870% | 292 |
| Loan loss allowance to noncurrent loans | 186.3191% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 1,224 |
| Noncurrent loans to loans | 1.2275% | 1,270 |
| Net loans and leases to total assets | 77.3712% | 1,248 |
| Net loans and leases to deposits | 86.9958% | 2,061 |
| Net loans and leases to core deposits | 105.7462% | 1,200 |
| Total domestic deposits to total assets | 88.7304% | 723 |
| Equity capital to assets | 10.1199% | 3,890 |
| Core capital (leverage) ratio | 8.9965% | 4,640 |
| Tier 1 risk-based capital ratio | 12.1758% | 4,330 |
| Total risk-based capital ratio | 13.4410% | 4,201 |
| Memoranda: | ||
| Average total assets | $381,642,500 | 1,812 |
| Average earning assets | $333,444,500 | 1,883 |
| Average equity | $36,902,500 | 2,067 |
| Average total loans | $319,942,500 | 1,542 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 1,401 |
| Cost of funding earning assets | 1.5098% | 369 |
| Net interest margin | 3.5179% | 3,536 |
| Noninterest income to average assets | 0.4315% | 3,058 |
| Noninterest expense to average assets | 3.8186% | 646 |
| Loan and lease loss provision to assets | 0.1539% | 1,183 |
| Net operating income to assets | -0.3161% | 5,169 |
| Return on assets (ROA) | -0.2950% | 5,174 |
| Pretax return on assets | -0.4284% | 5,184 |
| Return on Equity (ROE) | -3.0953% | 5,188 |
| Retained earnings to average equity (ytd only) | -3.0953% | 4,974 |
| Net charge-offs to loans | 0.1577% | 999 |
| Credit loss provision to net charge-offs | 114.5038% | 1,808 |
| Earnings coverage of net charge-offs (x) | -2.2405% | 3,131 |
| Efficiency ratio | 108.5631% | 106 |
| Assets per employee ($millions) | 4.0972% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 475 |
| Loan loss allowance to noncurrent loans | 87.2059% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0697% | 434 |
| Noncurrent loans to loans | 2.2967% | 569 |
| Net loans and leases to total assets | 84.1111% | 352 |
| Net loans and leases to deposits | 94.3392% | 1,224 |
| Net loans and leases to core deposits | 113.7711% | 785 |
| Total domestic deposits to total assets | 88.9339% | 686 |
| Equity capital to assets | 9.9914% | 3,980 |
| Core capital (leverage) ratio | 9.1086% | 4,540 |
| Tier 1 risk-based capital ratio | 10.7207% | 5,031 |
| Total risk-based capital ratio | 11.9811% | 4,943 |
| Memoranda: | ||
| Average total assets | $389,781,330 | 1,795 |
| Average earning assets | $341,908,000 | 1,857 |
| Average equity | $37,153,000 | 2,055 |
| Average total loans | $332,303,670 | 1,503 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 1,253 |
| Cost of funding earning assets | 1.5365% | 288 |
| Net interest margin | 3.4970% | 3,600 |
| Noninterest income to average assets | 0.4547% | 2,828 |
| Noninterest expense to average assets | 3.5563% | 898 |
| Loan and lease loss provision to assets | 0.1499% | 1,122 |
| Net operating income to assets | -0.1109% | 5,181 |
| Return on assets (ROA) | -0.0919% | 5,176 |
| Pretax return on assets | -0.1619% | 5,188 |
| Return on Equity (ROE) | -0.9864% | 5,188 |
| Retained earnings to average equity (ytd only) | -0.9864% | 4,652 |
| Net charge-offs to loans | -0.0835% | 4,984 |
| Credit loss provision to net charge-offs | -211.2676% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0219% | 157 |
| Assets per employee ($millions) | 4.2202% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 524 |
| Loan loss allowance to noncurrent loans | 167.1451% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 1,262 |
| Noncurrent loans to loans | 1.1844% | 1,400 |
| Net loans and leases to total assets | 83.1710% | 447 |
| Net loans and leases to deposits | 98.5368% | 734 |
| Net loans and leases to core deposits | 117.9746% | 582 |
| Total domestic deposits to total assets | 84.1297% | 2,999 |
| Equity capital to assets | 9.6054% | 4,160 |
| Core capital (leverage) ratio | 8.3852% | 5,067 |
| Tier 1 risk-based capital ratio | 10.4792% | 5,183 |
| Total risk-based capital ratio | 11.7390% | 5,087 |
| Memoranda: | ||
| Average total assets | $400,298,500 | 1,766 |
| Average earning assets | $350,927,000 | 1,846 |
| Average equity | $37,308,000 | 2,042 |
| Average total loans | $340,207,500 | 1,480 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 1,904 |
| Cost of funding earning assets | 1.0196% | 704 |
| Net interest margin | 3.6591% | 3,191 |
| Noninterest income to average assets | 0.4121% | 3,366 |
| Noninterest expense to average assets | 3.7021% | 768 |
| Loan and lease loss provision to assets | 0.5162% | 226 |
| Net operating income to assets | -0.3303% | 5,301 |
| Return on assets (ROA) | -0.3466% | 5,298 |
| Pretax return on assets | -0.5030% | 5,311 |
| Return on Equity (ROE) | -3.5277% | 5,298 |
| Retained earnings to average equity (ytd only) | -3.5277% | 5,200 |
| Net charge-offs to loans | 0.3412% | 557 |
| Credit loss provision to net charge-offs | 172.3470% | 1,625 |
| Earnings coverage of net charge-offs (x) | 0.1131% | 3,713 |
| Efficiency ratio | 99.0933% | 156 |
| Assets per employee ($millions) | 4.4309% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,671 |
| Loan loss allowance to noncurrent loans | 182.7357% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,887 |
| Noncurrent loans to loans | 0.7620% | 2,097 |
| Net loans and leases to total assets | 84.0385% | 413 |
| Net loans and leases to deposits | 108.8783% | 280 |
| Net loans and leases to core deposits | 131.9577% | 288 |
| Total domestic deposits to total assets | 76.9178% | 4,642 |
| Equity capital to assets | 9.9608% | 3,715 |
| Core capital (leverage) ratio | 9.6510% | 3,949 |
| Tier 1 risk-based capital ratio | 11.6007% | 4,666 |
| Total risk-based capital ratio | 12.8536% | 4,558 |
| Memoranda: | ||
| Average total assets | $430,994,800 | 1,590 |
| Average earning assets | $391,516,800 | 1,618 |
| Average equity | $42,350,800 | 1,768 |
| Average total loans | $378,405,000 | 1,312 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,940 |
| Cost of funding earning assets | 0.9344% | 791 |
| Net interest margin | 3.6788% | 3,094 |
| Noninterest income to average assets | 0.4102% | 3,421 |
| Noninterest expense to average assets | 3.7016% | 757 |
| Loan and lease loss provision to assets | 0.4602% | 262 |
| Net operating income to assets | -0.2629% | 5,359 |
| Return on assets (ROA) | -0.2629% | 5,356 |
| Pretax return on assets | -0.3902% | 5,370 |
| Return on Equity (ROE) | -2.6843% | 5,364 |
| Retained earnings to average equity (ytd only) | -2.6843% | 5,236 |
| Net charge-offs to loans | 0.3536% | 458 |
| Credit loss provision to net charge-offs | 147.2031% | 1,736 |
| Earnings coverage of net charge-offs (x) | 0.2237% | 3,412 |
| Efficiency ratio | 98.1454% | 173 |
| Assets per employee ($millions) | 4.3176% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,511 |
| Loan loss allowance to noncurrent loans | 245.4893% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 2,353 |
| Noncurrent loans to loans | 0.4968% | 2,903 |
| Net loans and leases to total assets | 87.7337% | 153 |
| Net loans and leases to deposits | 113.8962% | 185 |
| Net loans and leases to core deposits | 138.9182% | 217 |
| Total domestic deposits to total assets | 76.6203% | 4,705 |
| Equity capital to assets | 10.1322% | 3,507 |
| Core capital (leverage) ratio | 9.9041% | 3,737 |
| Tier 1 risk-based capital ratio | 11.3843% | 4,850 |
| Total risk-based capital ratio | 12.6123% | 4,753 |
| Memoranda: | ||
| Average total assets | $434,617,750 | 1,588 |
| Average earning assets | $397,112,000 | 1,607 |
| Average equity | $42,566,750 | 1,760 |
| Average total loans | $384,264,750 | 1,299 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,083 |
| Cost of funding earning assets | 0.8913% | 760 |
| Net interest margin | 3.6103% | 3,272 |
| Noninterest income to average assets | 0.4341% | 3,262 |
| Noninterest expense to average assets | 3.7578% | 703 |
| Loan and lease loss provision to assets | 0.2719% | 555 |
| Net operating income to assets | -0.1854% | 5,394 |
| Return on assets (ROA) | -0.1854% | 5,391 |
| Pretax return on assets | -0.2841% | 5,403 |
| Return on Equity (ROE) | -1.9132% | 5,394 |
| Retained earnings to average equity (ytd only) | -1.9132% | 5,137 |
| Net charge-offs to loans | -0.0657% | 5,015 |
| Credit loss provision to net charge-offs | -468.7500% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3267% | 167 |
| Assets per employee ($millions) | 4.4934% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,365 |
| Loan loss allowance to noncurrent loans | 207.5811% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 2,197 |
| Noncurrent loans to loans | 0.6080% | 2,590 |
| Net loans and leases to total assets | 85.0294% | 351 |
| Net loans and leases to deposits | 105.7089% | 454 |
| Net loans and leases to core deposits | 126.2493% | 402 |
| Total domestic deposits to total assets | 80.0537% | 4,226 |
| Equity capital to assets | 9.7471% | 3,875 |
| Core capital (leverage) ratio | 9.4742% | 4,143 |
| Tier 1 risk-based capital ratio | 11.1829% | 4,953 |
| Total risk-based capital ratio | 12.4149% | 4,870 |
| Memoranda: | ||
| Average total assets | $441,326,330 | 1,580 |
| Average earning assets | $404,784,670 | 1,593 |
| Average equity | $42,756,670 | 1,749 |
| Average total loans | $389,640,000 | 1,287 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,847 |
| Cost of funding earning assets | 0.8573% | 740 |
| Net interest margin | 3.6495% | 2,991 |
| Noninterest income to average assets | 0.4603% | 3,054 |
| Noninterest expense to average assets | 3.7427% | 716 |
| Loan and lease loss provision to assets | 0.2702% | 514 |
| Net operating income to assets | -0.1423% | 5,432 |
| Return on assets (ROA) | -0.1423% | 5,428 |
| Pretax return on assets | -0.2243% | 5,446 |
| Return on Equity (ROE) | -1.4734% | 5,436 |
| Retained earnings to average equity (ytd only) | -1.4734% | 4,959 |
| Net charge-offs to loans | -0.0474% | 4,946 |
| Credit loss provision to net charge-offs | -638.2979% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5378% | 1,957 |
| Assets per employee ($millions) | 4.1620% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,247 |
| Loan loss allowance to noncurrent loans | 205.3748% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 2,932 |
| Noncurrent loans to loans | 0.5465% | 2,886 |
| Net loans and leases to total assets | 86.9810% | 194 |
| Net loans and leases to deposits | 105.4645% | 405 |
| Net loans and leases to core deposits | 124.6856% | 453 |
| Total domestic deposits to total assets | 82.2742% | 3,880 |
| Equity capital to assets | 9.6929% | 3,892 |
| Core capital (leverage) ratio | 9.1087% | 4,561 |
| Tier 1 risk-based capital ratio | 10.8013% | 5,250 |
| Total risk-based capital ratio | 11.9700% | 5,167 |
| Memoranda: | ||
| Average total assets | $444,059,000 | 1,581 |
| Average earning assets | $404,985,000 | 1,602 |
| Average equity | $42,893,000 | 1,758 |
| Average total loans | $396,786,500 | 1,268 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,861 |
| Cost of funding earning assets | 0.5864% | 1,700 |
| Net interest margin | 3.2706% | 4,250 |
| Noninterest income to average assets | 0.4880% | 3,075 |
| Noninterest expense to average assets | 2.8172% | 2,717 |
| Loan and lease loss provision to assets | 0.3031% | 567 |
| Net operating income to assets | 0.1659% | 5,167 |
| Return on assets (ROA) | 0.1659% | 5,179 |
| Pretax return on assets | 0.3371% | 5,172 |
| Return on Equity (ROE) | 2.0052% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.0052% | 4,119 |
| Net charge-offs to loans | 0.4315% | 565 |
| Credit loss provision to net charge-offs | 94.0860% | 2,712 |
| Earnings coverage of net charge-offs (x) | 1.9875% | 3,819 |
| Efficiency ratio | 81.4837% | 968 |
| Assets per employee ($millions) | 4.4694% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 4,010 |
| Loan loss allowance to noncurrent loans | 195.4656% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,036 |
| Noncurrent loans to loans | 0.5058% | 3,004 |
| Net loans and leases to total assets | 89.8257% | 81 |
| Net loans and leases to deposits | 108.6017% | 303 |
| Net loans and leases to core deposits | 128.0869% | 382 |
| Total domestic deposits to total assets | 81.9350% | 3,885 |
| Equity capital to assets | 9.6261% | 4,115 |
| Core capital (leverage) ratio | 8.8267% | 4,832 |
| Tier 1 risk-based capital ratio | 10.4231% | 5,396 |
| Total risk-based capital ratio | 11.4594% | 5,395 |
| Memoranda: | ||
| Average total assets | $519,697,800 | 1,349 |
| Average earning assets | $471,846,600 | 1,382 |
| Average equity | $42,987,800 | 1,731 |
| Average total loans | $387,941,800 | 1,266 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,361 |
| Cost of funding earning assets | 0.5541% | 1,865 |
| Net interest margin | 3.1327% | 4,614 |
| Noninterest income to average assets | 0.5220% | 2,887 |
| Noninterest expense to average assets | 2.6934% | 3,088 |
| Loan and lease loss provision to assets | 0.0372% | 3,368 |
| Net operating income to assets | 0.4311% | 4,923 |
| Return on assets (ROA) | 0.4311% | 4,960 |
| Pretax return on assets | 0.6249% | 4,790 |
| Return on Equity (ROE) | 5.3948% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.3948% | 2,607 |
| Net charge-offs to loans | 0.1502% | 1,342 |
| Credit loss provision to net charge-offs | 34.7222% | 3,043 |
| Earnings coverage of net charge-offs (x) | 6.1828% | 3,010 |
| Efficiency ratio | 80.2689% | 1,070 |
| Assets per employee ($millions) | 5.1391% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,342 |
| Loan loss allowance to noncurrent loans | 163.4344% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 3,251 |
| Noncurrent loans to loans | 0.5781% | 2,958 |
| Net loans and leases to total assets | 76.5209% | 1,493 |
| Net loans and leases to deposits | 84.4472% | 2,501 |
| Net loans and leases to core deposits | 123.1045% | 486 |
| Total domestic deposits to total assets | 72.8322% | 5,329 |
| Equity capital to assets | 8.3823% | 5,351 |
| Core capital (leverage) ratio | 7.3614% | 5,634 |
| Tier 1 risk-based capital ratio | 10.4277% | 5,478 |
| Total risk-based capital ratio | 11.4017% | 5,517 |
| Memoranda: | ||
| Average total assets | $537,887,000 | 1,314 |
| Average earning assets | $486,511,750 | 1,352 |
| Average equity | $42,979,000 | 1,745 |
| Average total loans | $383,558,000 | 1,287 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 4,866 |
| Cost of funding earning assets | 0.5295% | 1,922 |
| Net interest margin | 2.9247% | 5,052 |
| Noninterest income to average assets | 0.4878% | 3,101 |
| Noninterest expense to average assets | 2.6082% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3868% | 5,006 |
| Return on assets (ROA) | 0.3868% | 5,033 |
| Pretax return on assets | 0.5556% | 4,891 |
| Return on Equity (ROE) | 4.9181% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.9181% | 2,766 |
| Net charge-offs to loans | 0.1249% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.4128% | 2,715 |
| Efficiency ratio | 82.4379% | 963 |
| Assets per employee ($millions) | 7.4029% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 4,038 |
| Loan loss allowance to noncurrent loans | 199.1260% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,093 |
| Noncurrent loans to loans | 0.5114% | 3,227 |
| Net loans and leases to total assets | 49.8559% | 4,720 |
| Net loans and leases to deposits | 54.8514% | 4,919 |
| Net loans and leases to core deposits | 120.5897% | 534 |
| Total domestic deposits to total assets | 48.6606% | 5,740 |
| Equity capital to assets | 5.7259% | 5,749 |
| Core capital (leverage) ratio | 8.3175% | 5,341 |
| Tier 1 risk-based capital ratio | 10.7214% | 5,370 |
| Total risk-based capital ratio | 11.7601% | 5,384 |
| Memoranda: | ||
| Average total assets | $542,452,670 | 1,313 |
| Average earning assets | $496,321,670 | 1,325 |
| Average equity | $42,659,000 | 1,753 |
| Average total loans | $376,430,330 | 1,310 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 2,374 |
| Cost of funding earning assets | 0.6195% | 1,241 |
| Net interest margin | 3.5537% | 3,069 |
| Noninterest income to average assets | 0.4778% | 3,136 |
| Noninterest expense to average assets | 3.0734% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4256% | 4,868 |
| Return on assets (ROA) | 0.4256% | 4,890 |
| Pretax return on assets | 0.6035% | 4,724 |
| Return on Equity (ROE) | 4.3804% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.3804% | 3,236 |
| Net charge-offs to loans | 0.2062% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.4093% | 2,487 |
| Efficiency ratio | 83.5869% | 1,010 |
| Assets per employee ($millions) | 4.5773% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,983 |
| Loan loss allowance to noncurrent loans | 198.0273% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 3,426 |
| Noncurrent loans to loans | 0.5297% | 3,224 |
| Net loans and leases to total assets | 82.3301% | 535 |
| Net loans and leases to deposits | 97.0115% | 851 |
| Net loans and leases to core deposits | 125.5047% | 330 |
| Total domestic deposits to total assets | 78.3460% | 4,926 |
| Equity capital to assets | 9.5027% | 4,282 |
| Core capital (leverage) ratio | 9.1196% | 4,585 |
| Tier 1 risk-based capital ratio | 10.5300% | 5,529 |
| Total risk-based capital ratio | 11.5811% | 5,546 |
| Memoranda: | ||
| Average total assets | $436,133,000 | 1,614 |
| Average earning assets | $392,606,000 | 1,646 |
| Average equity | $42,370,500 | 1,765 |
| Average total loans | $374,480,000 | 1,320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,311 |
| Cost of funding earning assets | 0.5781% | 1,497 |
| Net interest margin | 3.6728% | 2,804 |
| Noninterest income to average assets | 0.4960% | 3,270 |
| Noninterest expense to average assets | 3.2689% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3132% | 5,189 |
| Return on assets (ROA) | 0.3192% | 5,243 |
| Pretax return on assets | 0.5119% | 5,000 |
| Return on Equity (ROE) | 3.1003% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.9079% | 4,448 |
| Net charge-offs to loans | 0.1708% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.4346% | 3,668 |
| Efficiency ratio | 86.6740% | 772 |
| Assets per employee ($millions) | 4.3234% | 3,403 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,750 |
| Loan loss allowance to noncurrent loans | 305.2006% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 4,005 |
| Noncurrent loans to loans | 0.3582% | 3,846 |
| Net loans and leases to total assets | 87.7113% | 140 |
| Net loans and leases to deposits | 105.7414% | 355 |
| Net loans and leases to core deposits | 132.4982% | 256 |
| Total domestic deposits to total assets | 79.3315% | 4,713 |
| Equity capital to assets | 9.9398% | 3,778 |
| Core capital (leverage) ratio | 8.8499% | 4,911 |
| Tier 1 risk-based capital ratio | 10.4862% | 5,576 |
| Total risk-based capital ratio | 11.6017% | 5,578 |
| Memoranda: | ||
| Average total assets | $407,296,600 | 1,655 |
| Average earning assets | $363,236,600 | 1,710 |
| Average equity | $41,931,800 | 1,766 |
| Average total loans | $348,859,800 | 1,348 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,286 |
| Cost of funding earning assets | 0.5762% | 1,511 |
| Net interest margin | 3.6872% | 2,767 |
| Noninterest income to average assets | 0.5294% | 3,050 |
| Noninterest expense to average assets | 3.2506% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3379% | 5,192 |
| Return on assets (ROA) | 0.3459% | 5,257 |
| Pretax return on assets | 0.5546% | 4,992 |
| Return on Equity (ROE) | 3.3296% | 5,134 |
| Retained earnings to average equity (ytd only) | 1.7380% | 4,812 |
| Net charge-offs to loans | 0.0744% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.5812% | 2,751 |
| Efficiency ratio | 85.7093% | 846 |
| Assets per employee ($millions) | 4.1731% | 3,649 |
| Cash dividends to net income (ytd only)* | 47.8012% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,587 |
| Loan loss allowance to noncurrent loans | 439.8635% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,424 |
| Noncurrent loans to loans | 0.2995% | 4,177 |
| Net loans and leases to total assets | 83.5132% | 456 |
| Net loans and leases to deposits | 101.8226% | 585 |
| Net loans and leases to core deposits | 125.2841% | 386 |
| Total domestic deposits to total assets | 80.8682% | 4,279 |
| Equity capital to assets | 10.3928% | 3,690 |
| Core capital (leverage) ratio | 9.7142% | 3,917 |
| Tier 1 risk-based capital ratio | 11.3726% | 5,171 |
| Total risk-based capital ratio | 12.6271% | 5,069 |
| Memoranda: | ||
| Average total assets | $403,198,500 | 1,672 |
| Average earning assets | $356,829,250 | 1,740 |
| Average equity | $41,886,250 | 1,773 |
| Average total loans | $342,142,000 | 1,362 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 2,335 |
| Cost of funding earning assets | 0.5647% | 1,578 |
| Net interest margin | 3.6852% | 2,753 |
| Noninterest income to average assets | 0.5747% | 2,763 |
| Noninterest expense to average assets | 3.2617% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3594% | 5,155 |
| Return on assets (ROA) | 0.3715% | 5,209 |
| Pretax return on assets | 0.5955% | 4,898 |
| Return on Equity (ROE) | 3.5768% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.5768% | 3,613 |
| Net charge-offs to loans | -0.0111% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9767% | 967 |
| Assets per employee ($millions) | 4.3151% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 2,200 |
| Loan loss allowance to noncurrent loans | 424.7302% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 4,399 |
| Noncurrent loans to loans | 0.3348% | 4,166 |
| Net loans and leases to total assets | 80.7120% | 793 |
| Net loans and leases to deposits | 98.5725% | 829 |
| Net loans and leases to core deposits | 125.8292% | 373 |
| Total domestic deposits to total assets | 79.7204% | 4,620 |
| Equity capital to assets | 10.4185% | 3,719 |
| Core capital (leverage) ratio | 9.9719% | 3,596 |
| Tier 1 risk-based capital ratio | 11.9353% | 4,870 |
| Total risk-based capital ratio | 13.1921% | 4,780 |
| Memoranda: | ||
| Average total assets | $402,667,670 | 1,678 |
| Average earning assets | $356,618,670 | 1,744 |
| Average equity | $41,825,330 | 1,773 |
| Average total loans | $342,000,330 | 1,363 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,313 |
| Cost of funding earning assets | 0.5548% | 1,662 |
| Net interest margin | 3.6922% | 2,698 |
| Noninterest income to average assets | 0.6132% | 2,455 |
| Noninterest expense to average assets | 3.2134% | 1,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4304% | 4,898 |
| Return on assets (ROA) | 0.4546% | 4,892 |
| Pretax return on assets | 0.7288% | 4,422 |
| Return on Equity (ROE) | 4.3837% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.3837% | 3,289 |
| Net charge-offs to loans | -0.0196% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3034% | 1,347 |
| Assets per employee ($millions) | 4.3396% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,533 |
| Loan loss allowance to noncurrent loans | 454.3792% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 4,531 |
| Noncurrent loans to loans | 0.3029% | 4,341 |
| Net loans and leases to total assets | 83.8335% | 388 |
| Net loans and leases to deposits | 102.1854% | 498 |
| Net loans and leases to core deposits | 132.2979% | 238 |
| Total domestic deposits to total assets | 80.8383% | 4,543 |
| Equity capital to assets | 10.3840% | 3,637 |
| Core capital (leverage) ratio | 9.7494% | 3,843 |
| Tier 1 risk-based capital ratio | 11.6610% | 5,127 |
| Total risk-based capital ratio | 12.9175% | 5,036 |
| Memoranda: | ||
| Average total assets | $401,194,000 | 1,684 |
| Average earning assets | $357,616,500 | 1,734 |
| Average equity | $41,608,500 | 1,774 |
| Average total loans | $346,949,000 | 1,341 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,370 |
| Cost of funding earning assets | 0.5143% | 2,034 |
| Net interest margin | 3.4685% | 3,644 |
| Noninterest income to average assets | 0.5528% | 2,996 |
| Noninterest expense to average assets | 3.2313% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2754% | 5,426 |
| Return on assets (ROA) | 0.2754% | 5,502 |
| Pretax return on assets | 0.4415% | 5,244 |
| Return on Equity (ROE) | 2.6847% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.4732% | 4,887 |
| Net charge-offs to loans | -0.0139% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9797% | 835 |
| Assets per employee ($millions) | 4.3349% | 3,331 |
| Cash dividends to net income (ytd only)* | 45.1264% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 2,705 |
| Loan loss allowance to noncurrent loans | 776.2376% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,985 |
| Noncurrent loans to loans | 0.1727% | 4,795 |
| Net loans and leases to total assets | 86.7931% | 180 |
| Net loans and leases to deposits | 105.9005% | 366 |
| Net loans and leases to core deposits | 139.4516% | 171 |
| Total domestic deposits to total assets | 80.4677% | 4,621 |
| Equity capital to assets | 10.3581% | 3,563 |
| Core capital (leverage) ratio | 9.5881% | 4,057 |
| Tier 1 risk-based capital ratio | 10.9120% | 5,563 |
| Total risk-based capital ratio | 12.1679% | 5,475 |
| Memoranda: | ||
| Average total assets | $402,289,000 | 1,639 |
| Average earning assets | $361,852,600 | 1,670 |
| Average equity | $41,270,600 | 1,750 |
| Average total loans | $344,432,200 | 1,309 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,554 |
| Cost of funding earning assets | 0.5060% | 2,160 |
| Net interest margin | 3.4407% | 3,795 |
| Noninterest income to average assets | 0.5444% | 3,078 |
| Noninterest expense to average assets | 3.0717% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3496% | 5,316 |
| Return on assets (ROA) | 0.3496% | 5,400 |
| Pretax return on assets | 0.5602% | 5,071 |
| Return on Equity (ROE) | 3.4156% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.4156% | 4,043 |
| Net charge-offs to loans | -0.0124% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5748% | 1,115 |
| Assets per employee ($millions) | 4.3643% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,919 |
| Loan loss allowance to noncurrent loans | 599.4885% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 4,985 |
| Noncurrent loans to loans | 0.2231% | 4,763 |
| Net loans and leases to total assets | 84.2982% | 366 |
| Net loans and leases to deposits | 104.0009% | 445 |
| Net loans and leases to core deposits | 135.7491% | 209 |
| Total domestic deposits to total assets | 79.3014% | 4,911 |
| Equity capital to assets | 10.2007% | 3,931 |
| Core capital (leverage) ratio | 9.6268% | 4,139 |
| Tier 1 risk-based capital ratio | 11.0492% | 5,634 |
| Total risk-based capital ratio | 12.3073% | 5,525 |
| Memoranda: | ||
| Average total assets | $403,159,500 | 1,652 |
| Average earning assets | $361,776,750 | 1,687 |
| Average equity | $41,261,000 | 1,767 |
| Average total loans | $342,830,000 | 1,315 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9300% | 3,575 |
| Cost of funding earning assets | 0.4987% | 2,261 |
| Net interest margin | 3.4312% | 3,784 |
| Noninterest income to average assets | 0.5699% | 2,906 |
| Noninterest expense to average assets | 3.0784% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3603% | 5,259 |
| Return on assets (ROA) | 0.3603% | 5,376 |
| Pretax return on assets | 0.5778% | 5,032 |
| Return on Equity (ROE) | 3.5163% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.5163% | 3,790 |
| Net charge-offs to loans | -0.0247% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1954% | 1,242 |
| Assets per employee ($millions) | 4.4251% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,012 |
| Loan loss allowance to noncurrent loans | 602.3077% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 5,100 |
| Noncurrent loans to loans | 0.2232% | 4,889 |
| Net loans and leases to total assets | 84.6998% | 322 |
| Net loans and leases to deposits | 104.1550% | 442 |
| Net loans and leases to core deposits | 135.6272% | 203 |
| Total domestic deposits to total assets | 79.0999% | 5,080 |
| Equity capital to assets | 10.1628% | 3,847 |
| Core capital (leverage) ratio | 9.4862% | 4,303 |
| Tier 1 risk-based capital ratio | 10.8779% | 5,770 |
| Total risk-based capital ratio | 12.1363% | 5,687 |
| Memoranda: | ||
| Average total assets | $400,797,670 | 1,666 |
| Average earning assets | $360,511,330 | 1,700 |
| Average equity | $41,065,330 | 1,782 |
| Average total loans | $340,267,670 | 1,325 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,440 |
| Cost of funding earning assets | 0.4859% | 2,413 |
| Net interest margin | 3.4583% | 3,592 |
| Noninterest income to average assets | 0.5694% | 2,837 |
| Noninterest expense to average assets | 3.0671% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3853% | 5,129 |
| Return on assets (ROA) | 0.3853% | 5,246 |
| Pretax return on assets | 0.6166% | 4,869 |
| Return on Equity (ROE) | 3.7447% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.7447% | 3,761 |
| Net charge-offs to loans | -0.0477% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2605% | 1,456 |
| Assets per employee ($millions) | 4.4124% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 2,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.0819% | 454 |
| Net loans and leases to deposits | 100.2845% | 547 |
| Net loans and leases to core deposits | 128.5256% | 260 |
| Total domestic deposits to total assets | 80.4233% | 4,952 |
| Equity capital to assets | 10.2474% | 3,834 |
| Core capital (leverage) ratio | 9.5939% | 4,157 |
| Tier 1 risk-based capital ratio | 11.1557% | 5,735 |
| Total risk-based capital ratio | 12.4080% | 5,648 |
| Memoranda: | ||
| Average total assets | $397,640,000 | 1,684 |
| Average earning assets | $358,097,000 | 1,712 |
| Average equity | $40,911,000 | 1,797 |
| Average total loans | $335,640,500 | 1,343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 4,261 |
| Cost of funding earning assets | 0.4735% | 2,947 |
| Net interest margin | 3.3937% | 4,224 |
| Noninterest income to average assets | 0.6153% | 2,768 |
| Noninterest expense to average assets | 3.1840% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3352% | 5,428 |
| Return on assets (ROA) | 0.3352% | 5,496 |
| Pretax return on assets | 0.5373% | 5,151 |
| Return on Equity (ROE) | 3.2286% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.1024% | 4,728 |
| Net charge-offs to loans | -0.0287% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5607% | 1,220 |
| Assets per employee ($millions) | 4.2799% | 3,401 |
| Cash dividends to net income (ytd only)* | 34.8837% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 3,034 |
| Loan loss allowance to noncurrent loans | 1,877.4194% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,768 |
| Noncurrent loans to loans | 0.0736% | 5,583 |
| Net loans and leases to total assets | 84.4052% | 315 |
| Net loans and leases to deposits | 103.1170% | 472 |
| Net loans and leases to core deposits | 132.9696% | 217 |
| Total domestic deposits to total assets | 79.4561% | 5,150 |
| Equity capital to assets | 10.3304% | 3,689 |
| Core capital (leverage) ratio | 9.5052% | 4,227 |
| Tier 1 risk-based capital ratio | 15.1769% | 3,395 |
| Total risk-based capital ratio | 16.4359% | 3,335 |
| Memoranda: | ||
| Average total assets | $384,858,800 | 1,705 |
| Average earning assets | $352,245,200 | 1,697 |
| Average equity | $39,954,800 | 1,782 |
| Average total loans | $331,262,000 | 1,319 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 4,290 |
| Cost of funding earning assets | 0.4747% | 3,009 |
| Net interest margin | 3.3935% | 4,265 |
| Noninterest income to average assets | 0.6335% | 2,663 |
| Noninterest expense to average assets | 3.2291% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3140% | 5,542 |
| Return on assets (ROA) | 0.3140% | 5,618 |
| Pretax return on assets | 0.5032% | 5,317 |
| Return on Equity (ROE) | 3.0203% | 5,532 |
| Retained earnings to average equity (ytd only) | 1.5118% | 5,291 |
| Net charge-offs to loans | -0.0356% | 5,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5185% | 1,135 |
| Assets per employee ($millions) | 4.3871% | 3,149 |
| Cash dividends to net income (ytd only)* | 49.9451% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,174 |
| Loan loss allowance to noncurrent loans | 1,859.6000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 5,584 |
| Noncurrent loans to loans | 0.0753% | 5,727 |
| Net loans and leases to total assets | 81.9663% | 514 |
| Net loans and leases to deposits | 99.9863% | 617 |
| Net loans and leases to core deposits | 126.0502% | 285 |
| Total domestic deposits to total assets | 79.7698% | 5,154 |
| Equity capital to assets | 10.0559% | 4,100 |
| Core capital (leverage) ratio | 9.2424% | 4,719 |
| Tier 1 risk-based capital ratio | 14.8355% | 3,687 |
| Total risk-based capital ratio | 16.0942% | 3,618 |
| Memoranda: | ||
| Average total assets | $382,635,500 | 1,725 |
| Average earning assets | $349,404,000 | 1,721 |
| Average equity | $39,774,500 | 1,795 |
| Average total loans | $329,826,750 | 1,332 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 4,449 |
| Cost of funding earning assets | 0.4708% | 3,105 |
| Net interest margin | 3.3491% | 4,409 |
| Noninterest income to average assets | 0.6067% | 2,784 |
| Noninterest expense to average assets | 3.2606% | 2,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2811% | 5,632 |
| Return on assets (ROA) | 0.2811% | 5,701 |
| Pretax return on assets | 0.4508% | 5,419 |
| Return on Equity (ROE) | 2.6733% | 5,640 |
| Retained earnings to average equity (ytd only) | 0.4035% | 5,576 |
| Net charge-offs to loans | -0.0109% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8537% | 1,097 |
| Assets per employee ($millions) | 4.1740% | 3,507 |
| Cash dividends to net income (ytd only)* | 84.9057% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 3,578 |
| Loan loss allowance to noncurrent loans | 1,802.7559% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 4,943 |
| Noncurrent loans to loans | 0.0749% | 5,799 |
| Net loans and leases to total assets | 88.0233% | 98 |
| Net loans and leases to deposits | 103.7814% | 372 |
| Net loans and leases to core deposits | 129.5225% | 233 |
| Total domestic deposits to total assets | 83.5440% | 4,093 |
| Equity capital to assets | 10.4705% | 3,476 |
| Core capital (leverage) ratio | 9.5353% | 4,272 |
| Tier 1 risk-based capital ratio | 14.6253% | 3,853 |
| Total risk-based capital ratio | 15.8839% | 3,797 |
| Memoranda: | ||
| Average total assets | $377,104,000 | 1,742 |
| Average earning assets | $349,591,330 | 1,720 |
| Average equity | $39,650,670 | 1,788 |
| Average total loans | $329,141,330 | 1,323 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 4,510 |
| Cost of funding earning assets | 0.4737% | 3,190 |
| Net interest margin | 3.3196% | 4,460 |
| Noninterest income to average assets | 0.6121% | 2,665 |
| Noninterest expense to average assets | 3.2735% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2480% | 5,671 |
| Return on assets (ROA) | 0.2480% | 5,715 |
| Pretax return on assets | 0.3971% | 5,462 |
| Return on Equity (ROE) | 2.3541% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.3541% | 4,659 |
| Net charge-offs to loans | -0.0703% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1821% | 1,106 |
| Assets per employee ($millions) | 4.0187% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 3,945 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 84.7871% | 196 |
| Net loans and leases to deposits | 98.8906% | 496 |
| Net loans and leases to core deposits | 117.9177% | 367 |
| Total domestic deposits to total assets | 84.0685% | 4,250 |
| Equity capital to assets | 10.6431% | 3,094 |
| Core capital (leverage) ratio | 9.5162% | 4,253 |
| Tier 1 risk-based capital ratio | 15.1558% | 3,630 |
| Total risk-based capital ratio | 16.4152% | 3,582 |
| Memoranda: | ||
| Average total assets | $375,741,000 | 1,752 |
| Average earning assets | $346,181,500 | 1,738 |
| Average equity | $39,591,000 | 1,782 |
| Average total loans | $324,253,000 | 1,343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 4,579 |
| Cost of funding earning assets | 0.4791% | 3,825 |
| Net interest margin | 3.3895% | 4,319 |
| Noninterest income to average assets | 0.7411% | 2,329 |
| Noninterest expense to average assets | 3.4367% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2523% | 5,685 |
| Return on assets (ROA) | 1.7969% | 501 |
| Pretax return on assets | 1.9478% | 541 |
| Return on Equity (ROE) | 19.4103% | 316 |
| Retained earnings to average equity (ytd only) | 19.4103% | 87 |
| Net charge-offs to loans | 0.2296% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.0952% | 4,340 |
| Efficiency ratio | 89.4726% | 1,068 |
| Assets per employee ($millions) | 3.9762% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 3,678 |
| Loan loss allowance to noncurrent loans | 210.2812% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 3,012 |
| Noncurrent loans to loans | 0.6633% | 4,313 |
| Net loans and leases to total assets | 85.3608% | 187 |
| Net loans and leases to deposits | 99.1172% | 527 |
| Net loans and leases to core deposits | 124.3937% | 263 |
| Total domestic deposits to total assets | 84.0803% | 4,131 |
| Equity capital to assets | 10.4315% | 3,249 |
| Core capital (leverage) ratio | 9.4583% | 4,323 |
| Tier 1 risk-based capital ratio | 14.7046% | 3,840 |
| Total risk-based capital ratio | 15.9637% | 3,776 |
| Memoranda: | ||
| Average total assets | $375,650,200 | 1,741 |
| Average earning assets | $343,565,400 | 1,739 |
| Average equity | $34,775,400 | 1,981 |
| Average total loans | $315,707,800 | 1,342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 4,419 |
| Cost of funding earning assets | 0.4799% | 3,964 |
| Net interest margin | 3.4423% | 4,115 |
| Noninterest income to average assets | 0.9433% | 1,624 |
| Noninterest expense to average assets | 3.2987% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7805% | 3,456 |
| Return on assets (ROA) | 0.7805% | 3,580 |
| Pretax return on assets | 0.7805% | 4,372 |
| Return on Equity (ROE) | 8.7093% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.7093% | 1,154 |
| Net charge-offs to loans | 0.2459% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.8059% | 3,607 |
| Efficiency ratio | 80.8661% | 1,984 |
| Assets per employee ($millions) | 4.0535% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 3,260 |
| Loan loss allowance to noncurrent loans | 161.5437% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.6505% | 2,494 |
| Noncurrent loans to loans | 0.9553% | 3,906 |
| Net loans and leases to total assets | 78.8432% | 663 |
| Net loans and leases to deposits | 90.4413% | 1,117 |
| Net loans and leases to core deposits | 111.4149% | 522 |
| Total domestic deposits to total assets | 86.0319% | 3,235 |
| Equity capital to assets | 9.0677% | 5,107 |
| Core capital (leverage) ratio | 9.3642% | 4,587 |
| Tier 1 risk-based capital ratio | 15.3283% | 3,551 |
| Total risk-based capital ratio | 16.5890% | 3,499 |
| Memoranda: | ||
| Average total assets | $375,128,000 | 1,754 |
| Average earning assets | $341,738,500 | 1,760 |
| Average equity | $33,618,250 | 2,069 |
| Average total loans | $312,884,250 | 1,359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 4,317 |
| Cost of funding earning assets | 0.4788% | 4,115 |
| Net interest margin | 3.4634% | 3,946 |
| Noninterest income to average assets | 0.8436% | 2,017 |
| Noninterest expense to average assets | 3.4827% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5247% | 4,697 |
| Return on assets (ROA) | 0.5247% | 4,862 |
| Pretax return on assets | 0.5247% | 5,289 |
| Return on Equity (ROE) | 5.8786% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.8786% | 2,505 |
| Net charge-offs to loans | 0.1661% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.7366% | 3,318 |
| Efficiency ratio | 86.9065% | 1,323 |
| Assets per employee ($millions) | 3.9811% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 3,138 |
| Loan loss allowance to noncurrent loans | 178.5994% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.8721% | 2,311 |
| Noncurrent loans to loans | 0.8993% | 4,129 |
| Net loans and leases to total assets | 82.2447% | 341 |
| Net loans and leases to deposits | 94.4670% | 778 |
| Net loans and leases to core deposits | 117.6060% | 361 |
| Total domestic deposits to total assets | 85.4105% | 3,688 |
| Equity capital to assets | 8.9093% | 5,315 |
| Core capital (leverage) ratio | 9.2156% | 4,672 |
| Tier 1 risk-based capital ratio | 15.0966% | 3,712 |
| Total risk-based capital ratio | 16.3593% | 3,670 |
| Memoranda: | ||
| Average total assets | $373,160,000 | 1,758 |
| Average earning assets | $340,876,670 | 1,761 |
| Average equity | $33,307,330 | 2,092 |
| Average total loans | $315,470,000 | 1,345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 4,137 |
| Cost of funding earning assets | 0.4804% | 4,274 |
| Net interest margin | 3.5145% | 3,638 |
| Noninterest income to average assets | 0.7868% | 2,179 |
| Noninterest expense to average assets | 3.5199% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4476% | 4,922 |
| Return on assets (ROA) | 0.4476% | 5,083 |
| Pretax return on assets | 0.4476% | 5,420 |
| Return on Equity (ROE) | 5.0104% | 4,561 |
| Retained earnings to average equity (ytd only) | 5.0104% | 3,219 |
| Net charge-offs to loans | 0.0795% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.6190% | 2,194 |
| Efficiency ratio | 88.7175% | 1,257 |
| Assets per employee ($millions) | 3.9142% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 3,160 |
| Loan loss allowance to noncurrent loans | 70.3529% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 3.8354% | 1,070 |
| Noncurrent loans to loans | 2.3629% | 2,206 |
| Net loans and leases to total assets | 83.0882% | 227 |
| Net loans and leases to deposits | 95.7990% | 555 |
| Net loans and leases to core deposits | 117.3219% | 321 |
| Total domestic deposits to total assets | 85.2264% | 3,935 |
| Equity capital to assets | 8.9756% | 5,513 |
| Core capital (leverage) ratio | 9.0391% | 4,822 |
| Tier 1 risk-based capital ratio | 14.5606% | 4,130 |
| Total risk-based capital ratio | 15.8238% | 4,087 |
| Memoranda: | ||
| Average total assets | $372,626,500 | 1,770 |
| Average earning assets | $337,230,000 | 1,793 |
| Average equity | $33,290,500 | 2,114 |
| Average total loans | $316,802,000 | 1,341 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 4,755 |
| Cost of funding earning assets | 0.5635% | 4,701 |
| Net interest margin | 3.5904% | 4,128 |
| Noninterest income to average assets | 0.1375% | 6,349 |
| Noninterest expense to average assets | 3.5037% | 1,806 |
| Loan and lease loss provision to assets | -0.2626% | 7,001 |
| Net operating income to assets | 0.0167% | 6,143 |
| Return on assets (ROA) | 0.1125% | 6,129 |
| Pretax return on assets | 0.1125% | 6,138 |
| Return on Equity (ROE) | 1.3265% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.3265% | 5,210 |
| Net charge-offs to loans | 0.4323% | 2,506 |
| Credit loss provision to net charge-offs | -73.3813% | 6,301 |
| Earnings coverage of net charge-offs (x) | -0.6871% | 5,711 |
| Efficiency ratio | 107.5482% | 381 |
| Assets per employee ($millions) | 3.9305% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,101 |
| Loan loss allowance to noncurrent loans | 67.8040% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 4.7132% | 858 |
| Noncurrent loans to loans | 2.4407% | 2,172 |
| Net loans and leases to total assets | 84.1267% | 207 |
| Net loans and leases to deposits | 97.2484% | 549 |
| Net loans and leases to core deposits | 116.6864% | 342 |
| Total domestic deposits to total assets | 84.2421% | 4,209 |
| Equity capital to assets | 8.8926% | 5,642 |
| Core capital (leverage) ratio | 8.4737% | 5,651 |
| Tier 1 risk-based capital ratio | 13.9797% | 4,398 |
| Total risk-based capital ratio | 15.2424% | 4,351 |
| Memoranda: | ||
| Average total assets | $388,359,000 | 1,684 |
| Average earning assets | $337,514,400 | 1,760 |
| Average equity | $32,944,800 | 2,093 |
| Average total loans | $321,562,200 | 1,310 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 4,974 |
| Cost of funding earning assets | 0.5826% | 4,815 |
| Net interest margin | 3.5707% | 4,351 |
| Noninterest income to average assets | -0.0211% | 6,975 |
| Noninterest expense to average assets | 3.4184% | 1,962 |
| Loan and lease loss provision to assets | -0.2618% | 7,108 |
| Net operating income to assets | -0.1102% | 6,413 |
| Return on assets (ROA) | 0.0163% | 6,388 |
| Pretax return on assets | 0.0163% | 6,382 |
| Return on Equity (ROE) | 0.1946% | 6,382 |
| Retained earnings to average equity (ytd only) | 0.1946% | 6,020 |
| Net charge-offs to loans | 0.5890% | 1,859 |
| Credit loss provision to net charge-offs | -54.1110% | 6,185 |
| Earnings coverage of net charge-offs (x) | -0.7688% | 5,547 |
| Efficiency ratio | 112.2112% | 267 |
| Assets per employee ($millions) | 4.2548% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 2,903 |
| Loan loss allowance to noncurrent loans | 67.4718% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 4.8558% | 925 |
| Noncurrent loans to loans | 2.6211% | 2,170 |
| Net loans and leases to total assets | 77.2495% | 824 |
| Net loans and leases to deposits | 89.8110% | 1,169 |
| Net loans and leases to core deposits | 106.7530% | 704 |
| Total domestic deposits to total assets | 84.9292% | 3,771 |
| Equity capital to assets | 8.3143% | 6,413 |
| Core capital (leverage) ratio | 8.3285% | 5,967 |
| Tier 1 risk-based capital ratio | 14.3253% | 4,315 |
| Total risk-based capital ratio | 15.5899% | 4,274 |
| Memoranda: | ||
| Average total assets | $392,098,750 | 1,692 |
| Average earning assets | $336,848,000 | 1,785 |
| Average equity | $32,879,750 | 2,112 |
| Average total loans | $322,099,000 | 1,317 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 5,428 |
| Cost of funding earning assets | 0.5803% | 5,075 |
| Net interest margin | 3.4870% | 4,731 |
| Noninterest income to average assets | 0.6181% | 3,139 |
| Noninterest expense to average assets | 3.4643% | 1,870 |
| Loan and lease loss provision to assets | 0.1862% | 3,242 |
| Net operating income to assets | 0.0358% | 6,277 |
| Return on assets (ROA) | 0.0358% | 6,417 |
| Pretax return on assets | 0.0358% | 6,407 |
| Return on Equity (ROE) | 0.4259% | 6,402 |
| Retained earnings to average equity (ytd only) | 0.4259% | 5,901 |
| Net charge-offs to loans | 0.4347% | 2,300 |
| Credit loss provision to net charge-offs | 51.4124% | 4,002 |
| Earnings coverage of net charge-offs (x) | 0.6130% | 4,760 |
| Efficiency ratio | 93.9764% | 804 |
| Assets per employee ($millions) | 4.1501% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2015% | 1,763 |
| Loan loss allowance to noncurrent loans | 54.5158% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 5.7907% | 754 |
| Noncurrent loans to loans | 4.0383% | 1,359 |
| Net loans and leases to total assets | 82.8408% | 276 |
| Net loans and leases to deposits | 95.9316% | 639 |
| Net loans and leases to core deposits | 116.7514% | 376 |
| Total domestic deposits to total assets | 84.5547% | 4,077 |
| Equity capital to assets | 8.3654% | 6,331 |
| Core capital (leverage) ratio | 8.1493% | 6,096 |
| Tier 1 risk-based capital ratio | 13.7997% | 4,594 |
| Total risk-based capital ratio | 15.0731% | 4,555 |
| Memoranda: | ||
| Average total assets | $390,901,000 | 1,692 |
| Average earning assets | $343,965,000 | 1,753 |
| Average equity | $32,873,330 | 2,092 |
| Average total loans | $325,741,000 | 1,304 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 5,327 |
| Cost of funding earning assets | 0.5832% | 5,266 |
| Net interest margin | 3.5556% | 4,462 |
| Noninterest income to average assets | 0.2878% | 5,571 |
| Noninterest expense to average assets | 3.5178% | 1,722 |
| Loan and lease loss provision to assets | -0.1850% | 7,205 |
| Net operating income to assets | 0.0627% | 6,312 |
| Return on assets (ROA) | 0.0627% | 6,428 |
| Pretax return on assets | 0.0627% | 6,437 |
| Return on Equity (ROE) | 0.7435% | 6,396 |
| Retained earnings to average equity (ytd only) | 0.7435% | 5,762 |
| Net charge-offs to loans | 0.0622% | 3,875 |
| Credit loss provision to net charge-offs | -360.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | -2.3800% | 4,625 |
| Efficiency ratio | 103.6017% | 456 |
| Assets per employee ($millions) | 4.0079% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3601% | 1,574 |
| Loan loss allowance to noncurrent loans | 52.2171% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 6.2577% | 731 |
| Noncurrent loans to loans | 4.5198% | 1,289 |
| Net loans and leases to total assets | 80.2776% | 380 |
| Net loans and leases to deposits | 93.5214% | 696 |
| Net loans and leases to core deposits | 114.1432% | 427 |
| Total domestic deposits to total assets | 84.0659% | 4,453 |
| Equity capital to assets | 8.5419% | 6,050 |
| Core capital (leverage) ratio | 8.4404% | 5,690 |
| Tier 1 risk-based capital ratio | 14.6904% | 3,960 |
| Total risk-based capital ratio | 15.9671% | 3,901 |
| Memoranda: | ||
| Average total assets | $389,224,000 | 1,708 |
| Average earning assets | $340,199,000 | 1,775 |
| Average equity | $32,819,500 | 2,099 |
| Average total loans | $321,633,500 | 1,318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 6,195 |
| Cost of funding earning assets | 0.8060% | 4,825 |
| Net interest margin | 3.3382% | 5,690 |
| Noninterest income to average assets | 1.3365% | 725 |
| Noninterest expense to average assets | 3.4016% | 2,234 |
| Loan and lease loss provision to assets | 1.3546% | 586 |
| Net operating income to assets | -1.8554% | 7,001 |
| Return on assets (ROA) | -1.8024% | 7,005 |
| Pretax return on assets | -0.5631% | 6,530 |
| Return on Equity (ROE) | -20.7410% | 6,993 |
| Retained earnings to average equity (ytd only) | -20.7410% | 6,978 |
| Net charge-offs to loans | 1.7322% | 874 |
| Credit loss provision to net charge-offs | 99.0958% | 3,613 |
| Earnings coverage of net charge-offs (x) | 0.5403% | 5,421 |
| Efficiency ratio | 82.1621% | 1,995 |
| Assets per employee ($millions) | 4.1009% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3541% | 1,536 |
| Loan loss allowance to noncurrent loans | 57.4543% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 5.8000% | 870 |
| Noncurrent loans to loans | 4.0973% | 1,516 |
| Net loans and leases to total assets | 81.0868% | 401 |
| Net loans and leases to deposits | 94.1662% | 806 |
| Net loans and leases to core deposits | 113.1300% | 535 |
| Total domestic deposits to total assets | 84.9109% | 3,896 |
| Equity capital to assets | 8.3246% | 6,325 |
| Core capital (leverage) ratio | 8.2338% | 5,947 |
| Tier 1 risk-based capital ratio | 13.7800% | 4,494 |
| Total risk-based capital ratio | 15.0552% | 4,433 |
| Memoranda: | ||
| Average total assets | $420,712,400 | 1,547 |
| Average earning assets | $353,331,600 | 1,677 |
| Average equity | $36,560,400 | 1,848 |
| Average total loans | $331,997,400 | 1,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 6,330 |
| Cost of funding earning assets | 0.8638% | 4,672 |
| Net interest margin | 3.2768% | 5,926 |
| Noninterest income to average assets | 1.7407% | 460 |
| Noninterest expense to average assets | 3.3492% | 2,354 |
| Loan and lease loss provision to assets | 1.2158% | 640 |
| Net operating income to assets | -0.0637% | 6,240 |
| Return on assets (ROA) | -0.0212% | 6,286 |
| Pretax return on assets | -0.0340% | 6,263 |
| Return on Equity (ROE) | -0.2417% | 6,292 |
| Retained earnings to average equity (ytd only) | -0.2417% | 6,015 |
| Net charge-offs to loans | 1.6595% | 838 |
| Credit loss provision to net charge-offs | 93.9730% | 3,631 |
| Earnings coverage of net charge-offs (x) | 0.8621% | 4,973 |
| Efficiency ratio | 75.0175% | 2,997 |
| Assets per employee ($millions) | 4.1253% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 1,620 |
| Loan loss allowance to noncurrent loans | 46.1899% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 6.5749% | 779 |
| Noncurrent loans to loans | 5.0879% | 1,210 |
| Net loans and leases to total assets | 76.2861% | 938 |
| Net loans and leases to deposits | 89.9182% | 1,221 |
| Net loans and leases to core deposits | 104.6031% | 947 |
| Total domestic deposits to total assets | 84.0231% | 4,220 |
| Equity capital to assets | 9.8699% | 4,521 |
| Core capital (leverage) ratio | 8.5433% | 5,650 |
| Tier 1 risk-based capital ratio | 14.7242% | 3,821 |
| Total risk-based capital ratio | 15.9984% | 3,782 |
| Memoranda: | ||
| Average total assets | $427,468,500 | 1,536 |
| Average earning assets | $355,337,500 | 1,671 |
| Average equity | $37,507,250 | 1,798 |
| Average total loans | $333,265,500 | 1,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 6,506 |
| Cost of funding earning assets | 0.8871% | 4,777 |
| Net interest margin | 3.2057% | 6,145 |
| Noninterest income to average assets | 2.5734% | 260 |
| Noninterest expense to average assets | 3.3834% | 2,309 |
| Loan and lease loss provision to assets | 0.9880% | 883 |
| Net operating income to assets | 0.5481% | 4,316 |
| Return on assets (ROA) | 0.5481% | 4,446 |
| Pretax return on assets | 0.8792% | 3,715 |
| Return on Equity (ROE) | 6.5020% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.5020% | 2,142 |
| Net charge-offs to loans | 1.3100% | 1,168 |
| Credit loss provision to net charge-offs | 96.7931% | 3,254 |
| Earnings coverage of net charge-offs (x) | 1.8293% | 3,950 |
| Efficiency ratio | 64.4394% | 5,159 |
| Assets per employee ($millions) | 4.1664% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3109% | 1,723 |
| Loan loss allowance to noncurrent loans | 42.6879% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 7.1057% | 706 |
| Noncurrent loans to loans | 5.4135% | 1,170 |
| Net loans and leases to total assets | 75.6240% | 1,137 |
| Net loans and leases to deposits | 87.9161% | 1,513 |
| Net loans and leases to core deposits | 106.2302% | 921 |
| Total domestic deposits to total assets | 83.7517% | 4,447 |
| Equity capital to assets | 8.7665% | 5,857 |
| Core capital (leverage) ratio | 7.8377% | 6,472 |
| Tier 1 risk-based capital ratio | 13.5364% | 4,495 |
| Total risk-based capital ratio | 14.8119% | 4,462 |
| Memoranda: | ||
| Average total assets | $433,824,000 | 1,527 |
| Average earning assets | $362,288,330 | 1,653 |
| Average equity | $36,573,330 | 1,829 |
| Average total loans | $338,003,330 | 1,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 6,506 |
| Cost of funding earning assets | 0.8979% | 4,939 |
| Net interest margin | 3.1989% | 6,069 |
| Noninterest income to average assets | 0.2678% | 5,754 |
| Noninterest expense to average assets | 3.2391% | 2,741 |
| Loan and lease loss provision to assets | 0.3971% | 2,207 |
| Net operating income to assets | -0.4246% | 6,756 |
| Return on assets (ROA) | -0.4246% | 6,768 |
| Pretax return on assets | -0.6796% | 6,864 |
| Return on Equity (ROE) | -5.1373% | 6,815 |
| Retained earnings to average equity (ytd only) | -5.1373% | 6,531 |
| Net charge-offs to loans | 0.4025% | 2,488 |
| Credit loss provision to net charge-offs | 126.2391% | 2,181 |
| Earnings coverage of net charge-offs (x) | -0.8980% | 4,882 |
| Efficiency ratio | 109.5533% | 516 |
| Assets per employee ($millions) | 4.1923% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3275% | 1,720 |
| Loan loss allowance to noncurrent loans | 58.5843% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 5.8782% | 1,001 |
| Noncurrent loans to loans | 3.9729% | 1,835 |
| Net loans and leases to total assets | 76.9199% | 882 |
| Net loans and leases to deposits | 88.4958% | 1,406 |
| Net loans and leases to core deposits | 105.8553% | 948 |
| Total domestic deposits to total assets | 84.8359% | 4,116 |
| Equity capital to assets | 8.3774% | 6,076 |
| Core capital (leverage) ratio | 8.0350% | 6,210 |
| Tier 1 risk-based capital ratio | 13.4815% | 4,430 |
| Total risk-based capital ratio | 14.7536% | 4,389 |
| Memoranda: | ||
| Average total assets | $436,168,500 | 1,522 |
| Average earning assets | $366,620,500 | 1,644 |
| Average equity | $36,050,000 | 1,833 |
| Average total loans | $340,902,000 | 1,281 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 6,873 |
| Cost of funding earning assets | 1.1107% | 5,081 |
| Net interest margin | 3.1305% | 6,438 |
| Noninterest income to average assets | 0.1046% | 6,873 |
| Noninterest expense to average assets | 3.2385% | 2,954 |
| Loan and lease loss provision to assets | 0.8909% | 1,834 |
| Net operating income to assets | -0.7345% | 6,539 |
| Return on assets (ROA) | -0.6739% | 6,533 |
| Pretax return on assets | -1.2302% | 6,752 |
| Return on Equity (ROE) | -8.0600% | 6,629 |
| Retained earnings to average equity (ytd only) | -8.0600% | 6,541 |
| Net charge-offs to loans | 1.2102% | 1,854 |
| Credit loss provision to net charge-offs | 97.8059% | 4,742 |
| Earnings coverage of net charge-offs (x) | -0.4764% | 6,442 |
| Efficiency ratio | 115.4711% | 457 |
| Assets per employee ($millions) | 4.3177% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,785 |
| Loan loss allowance to noncurrent loans | 51.4886% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 5.9631% | 1,002 |
| Noncurrent loans to loans | 4.3612% | 1,650 |
| Net loans and leases to total assets | 75.8444% | 1,306 |
| Net loans and leases to deposits | 87.0641% | 1,930 |
| Net loans and leases to core deposits | 103.3978% | 1,361 |
| Total domestic deposits to total assets | 83.8890% | 4,403 |
| Equity capital to assets | 8.1572% | 6,310 |
| Core capital (leverage) ratio | 7.9757% | 6,236 |
| Tier 1 risk-based capital ratio | 13.5051% | 4,194 |
| Total risk-based capital ratio | 14.7772% | 4,144 |
| Memoranda: | ||
| Average total assets | $450,330,200 | 1,475 |
| Average earning assets | $388,408,800 | 1,551 |
| Average equity | $37,655,000 | 1,753 |
| Average total loans | $338,963,800 | 1,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 7,029 |
| Cost of funding earning assets | 1.1518% | 5,136 |
| Net interest margin | 3.1012% | 6,611 |
| Noninterest income to average assets | 0.3226% | 5,577 |
| Noninterest expense to average assets | 3.4252% | 2,219 |
| Loan and lease loss provision to assets | 0.6665% | 2,299 |
| Net operating income to assets | -0.6044% | 6,665 |
| Return on assets (ROA) | -0.5239% | 6,661 |
| Pretax return on assets | -0.9486% | 6,833 |
| Return on Equity (ROE) | -6.2280% | 6,736 |
| Retained earnings to average equity (ytd only) | -6.2280% | 6,655 |
| Net charge-offs to loans | 0.9088% | 2,183 |
| Credit loss provision to net charge-offs | 98.1739% | 4,434 |
| Earnings coverage of net charge-offs (x) | -0.6009% | 6,364 |
| Efficiency ratio | 113.5185% | 469 |
| Assets per employee ($millions) | 4.2955% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2410% | 1,717 |
| Loan loss allowance to noncurrent loans | 36.0126% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 6.2646% | 923 |
| Noncurrent loans to loans | 6.2228% | 977 |
| Net loans and leases to total assets | 76.8664% | 1,245 |
| Net loans and leases to deposits | 88.6853% | 1,912 |
| Net loans and leases to core deposits | 104.5981% | 1,432 |
| Total domestic deposits to total assets | 84.0292% | 4,115 |
| Equity capital to assets | 8.5291% | 6,244 |
| Core capital (leverage) ratio | 8.4482% | 5,607 |
| Tier 1 risk-based capital ratio | 14.2052% | 3,690 |
| Total risk-based capital ratio | 15.4770% | 3,646 |
| Memoranda: | ||
| Average total assets | $451,732,500 | 1,493 |
| Average earning assets | $392,523,500 | 1,561 |
| Average equity | $37,999,500 | 1,752 |
| Average total loans | $337,443,750 | 1,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 7,073 |
| Cost of funding earning assets | 1.2324% | 4,944 |
| Net interest margin | 3.0518% | 6,715 |
| Noninterest income to average assets | 0.2810% | 5,898 |
| Noninterest expense to average assets | 3.3067% | 2,543 |
| Loan and lease loss provision to assets | 0.5853% | 2,435 |
| Net operating income to assets | -0.5007% | 6,652 |
| Return on assets (ROA) | -0.3808% | 6,585 |
| Pretax return on assets | -0.7735% | 6,769 |
| Return on Equity (ROE) | -4.5474% | 6,658 |
| Retained earnings to average equity (ytd only) | -4.5474% | 6,502 |
| Net charge-offs to loans | 0.9468% | 1,944 |
| Credit loss provision to net charge-offs | 84.1872% | 4,586 |
| Earnings coverage of net charge-offs (x) | -0.5402% | 6,028 |
| Efficiency ratio | 112.8113% | 509 |
| Assets per employee ($millions) | 4.3329% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2689% | 1,639 |
| Loan loss allowance to noncurrent loans | 34.9742% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 6.0838% | 958 |
| Noncurrent loans to loans | 6.4875% | 924 |
| Net loans and leases to total assets | 73.2359% | 2,097 |
| Net loans and leases to deposits | 84.9613% | 2,712 |
| Net loans and leases to core deposits | 99.6956% | 2,055 |
| Total domestic deposits to total assets | 84.1554% | 4,039 |
| Equity capital to assets | 8.6651% | 5,924 |
| Core capital (leverage) ratio | 8.5676% | 5,300 |
| Tier 1 risk-based capital ratio | 14.5427% | 3,423 |
| Total risk-based capital ratio | 15.8131% | 3,371 |
| Memoranda: | ||
| Average total assets | $454,830,670 | 1,502 |
| Average earning assets | $394,985,670 | 1,570 |
| Average equity | $38,087,330 | 1,746 |
| Average total loans | $333,964,330 | 1,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 7,044 |
| Cost of funding earning assets | 1.3246% | 4,657 |
| Net interest margin | 3.0457% | 6,726 |
| Noninterest income to average assets | 0.4260% | 4,699 |
| Noninterest expense to average assets | 3.0268% | 3,574 |
| Loan and lease loss provision to assets | 0.3685% | 3,158 |
| Net operating income to assets | -0.2875% | 6,652 |
| Return on assets (ROA) | 0.0836% | 6,173 |
| Pretax return on assets | 0.0523% | 6,248 |
| Return on Equity (ROE) | 1.0160% | 6,107 |
| Retained earnings to average equity (ytd only) | 1.0160% | 5,403 |
| Net charge-offs to loans | 0.9696% | 1,682 |
| Credit loss provision to net charge-offs | 52.2868% | 4,447 |
| Earnings coverage of net charge-offs (x) | 0.0705% | 4,972 |
| Efficiency ratio | 98.3857% | 905 |
| Assets per employee ($millions) | 4.3607% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2819% | 1,605 |
| Loan loss allowance to noncurrent loans | 29.0153% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 7.0163% | 767 |
| Noncurrent loans to loans | 7.8646% | 695 |
| Net loans and leases to total assets | 70.3642% | 2,840 |
| Net loans and leases to deposits | 81.5672% | 3,361 |
| Net loans and leases to core deposits | 96.2694% | 2,556 |
| Total domestic deposits to total assets | 84.7385% | 3,785 |
| Equity capital to assets | 8.7053% | 5,722 |
| Core capital (leverage) ratio | 8.6474% | 5,120 |
| Tier 1 risk-based capital ratio | 14.6583% | 3,284 |
| Total risk-based capital ratio | 15.9278% | 3,236 |
| Memoranda: | ||
| Average total assets | $459,104,000 | 1,532 |
| Average earning assets | $399,515,500 | 1,592 |
| Average equity | $37,795,500 | 1,782 |
| Average total loans | $333,732,500 | 1,403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 7,023 |
| Cost of funding earning assets | 1.9658% | 3,122 |
| Net interest margin | 2.7962% | 7,069 |
| Noninterest income to average assets | 0.4385% | 4,896 |
| Noninterest expense to average assets | 3.2983% | 3,013 |
| Loan and lease loss provision to assets | 3.1162% | 542 |
| Net operating income to assets | -2.1504% | 7,146 |
| Return on assets (ROA) | -2.1467% | 7,143 |
| Pretax return on assets | -3.4348% | 7,401 |
| Return on Equity (ROE) | -24.1121% | 7,268 |
| Retained earnings to average equity (ytd only) | -25.0481% | 7,264 |
| Net charge-offs to loans | 3.2546% | 622 |
| Credit loss provision to net charge-offs | 127.1506% | 4,076 |
| Earnings coverage of net charge-offs (x) | -0.1324% | 6,369 |
| Efficiency ratio | 110.9072% | 782 |
| Assets per employee ($millions) | 4.2245% | 3,389 |
| Cash dividends to net income (ytd only)* | -3.8820% | 7,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2992% | 1,485 |
| Loan loss allowance to noncurrent loans | 32.1968% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 6.6521% | 804 |
| Noncurrent loans to loans | 7.1411% | 773 |
| Net loans and leases to total assets | 71.6738% | 2,840 |
| Net loans and leases to deposits | 82.0666% | 3,602 |
| Net loans and leases to core deposits | 113.3226% | 2,565 |
| Total domestic deposits to total assets | 85.0652% | 3,521 |
| Equity capital to assets | 7.7709% | 6,797 |
| Core capital (leverage) ratio | 7.3360% | 6,951 |
| Tier 1 risk-based capital ratio | 12.3907% | 4,603 |
| Total risk-based capital ratio | 13.6590% | 4,551 |
| Memoranda: | ||
| Average total assets | $480,001,400 | 1,443 |
| Average earning assets | $435,240,000 | 1,455 |
| Average equity | $42,733,800 | 1,563 |
| Average total loans | $361,456,000 | 1,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 6,921 |
| Cost of funding earning assets | 2.0769% | 3,003 |
| Net interest margin | 2.8060% | 7,050 |
| Noninterest income to average assets | 0.4588% | 4,833 |
| Noninterest expense to average assets | 3.1454% | 3,479 |
| Loan and lease loss provision to assets | 2.5198% | 659 |
| Net operating income to assets | -1.6610% | 7,181 |
| Return on assets (ROA) | -1.6559% | 7,175 |
| Pretax return on assets | -2.6496% | 7,401 |
| Return on Equity (ROE) | -18.0489% | 7,308 |
| Retained earnings to average equity (ytd only) | -19.2503% | 7,314 |
| Net charge-offs to loans | 3.1173% | 518 |
| Credit loss provision to net charge-offs | 106.6853% | 4,768 |
| Earnings coverage of net charge-offs (x) | -0.0583% | 6,137 |
| Efficiency ratio | 104.5813% | 895 |
| Assets per employee ($millions) | 4.3966% | 3,045 |
| Cash dividends to net income (ytd only)* | -6.6567% | 7,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,663 |
| Loan loss allowance to noncurrent loans | 21.9192% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 5.5835% | 1,015 |
| Noncurrent loans to loans | 6.6443% | 854 |
| Net loans and leases to total assets | 71.0522% | 3,258 |
| Net loans and leases to deposits | 83.8721% | 3,670 |
| Net loans and leases to core deposits | 117.2944% | 2,491 |
| Total domestic deposits to total assets | 81.6625% | 4,815 |
| Equity capital to assets | 8.1430% | 6,700 |
| Core capital (leverage) ratio | 8.2419% | 5,940 |
| Tier 1 risk-based capital ratio | 13.3889% | 3,931 |
| Total risk-based capital ratio | 14.6456% | 3,862 |
| Memoranda: | ||
| Average total assets | $483,828,500 | 1,445 |
| Average earning assets | $439,480,000 | 1,447 |
| Average equity | $44,389,500 | 1,530 |
| Average total loans | $366,594,750 | 1,333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 6,773 |
| Cost of funding earning assets | 2.1809% | 2,877 |
| Net interest margin | 2.8184% | 6,978 |
| Noninterest income to average assets | 0.4630% | 4,757 |
| Noninterest expense to average assets | 2.9906% | 4,123 |
| Loan and lease loss provision to assets | 1.9650% | 827 |
| Net operating income to assets | -1.2002% | 7,108 |
| Return on assets (ROA) | -1.1925% | 7,118 |
| Pretax return on assets | -1.9078% | 7,253 |
| Return on Equity (ROE) | -12.5119% | 7,203 |
| Retained earnings to average equity (ytd only) | -14.2624% | 7,199 |
| Net charge-offs to loans | 0.5382% | 2,716 |
| Credit loss provision to net charge-offs | 473.9437% | 979 |
| Earnings coverage of net charge-offs (x) | 0.1087% | 5,564 |
| Efficiency ratio | 98.5161% | 1,249 |
| Assets per employee ($millions) | 4.2067% | 3,290 |
| Cash dividends to net income (ytd only)* | -13.9909% | 7,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 1,141 |
| Loan loss allowance to noncurrent loans | 29.7809% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 6.7705% | 650 |
| Noncurrent loans to loans | 7.6160% | 606 |
| Net loans and leases to total assets | 76.4667% | 2,061 |
| Net loans and leases to deposits | 91.9265% | 2,480 |
| Net loans and leases to core deposits | 134.9468% | 1,267 |
| Total domestic deposits to total assets | 80.7741% | 5,163 |
| Equity capital to assets | 9.2344% | 4,957 |
| Core capital (leverage) ratio | 8.9734% | 4,675 |
| Tier 1 risk-based capital ratio | 14.2788% | 3,364 |
| Total risk-based capital ratio | 15.5489% | 3,287 |
| Memoranda: | ||
| Average total assets | $479,498,330 | 1,482 |
| Average earning assets | $437,700,670 | 1,475 |
| Average equity | $45,700,670 | 1,506 |
| Average total loans | $369,387,000 | 1,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2216% | 6,215 |
| Cost of funding earning assets | 2.3222% | 2,606 |
| Net interest margin | 2.8994% | 6,746 |
| Noninterest income to average assets | 0.5293% | 4,067 |
| Noninterest expense to average assets | 2.7266% | 4,895 |
| Loan and lease loss provision to assets | 0.4185% | 2,830 |
| Net operating income to assets | 0.0111% | 6,231 |
| Return on assets (ROA) | 0.0265% | 6,345 |
| Pretax return on assets | 0.0422% | 6,294 |
| Return on Equity (ROE) | 0.2735% | 6,345 |
| Retained earnings to average equity (ytd only) | 0.2735% | 5,548 |
| Net charge-offs to loans | -0.0032% | 7,138 |
| Credit loss provision to net charge-offs | -16,866.6667% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1961% | 2,044 |
| Assets per employee ($millions) | 4.1555% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 3,497 |
| Loan loss allowance to noncurrent loans | 28.6692% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 4.5916% | 1,033 |
| Noncurrent loans to loans | 4.8850% | 1,120 |
| Net loans and leases to total assets | 76.5816% | 2,144 |
| Net loans and leases to deposits | 92.7015% | 2,484 |
| Net loans and leases to core deposits | 136.0782% | 1,305 |
| Total domestic deposits to total assets | 80.0072% | 5,366 |
| Equity capital to assets | 9.8841% | 4,136 |
| Core capital (leverage) ratio | 9.5804% | 3,895 |
| Tier 1 risk-based capital ratio | 15.3651% | 2,910 |
| Total risk-based capital ratio | 16.6208% | 2,842 |
| Memoranda: | ||
| Average total assets | $483,672,500 | 1,467 |
| Average earning assets | $439,403,500 | 1,477 |
| Average equity | $46,797,000 | 1,476 |
| Average total loans | $369,763,500 | 1,363 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6227% | 7,004 |
| Cost of funding earning assets | 2.5708% | 3,846 |
| Net interest margin | 3.0519% | 6,784 |
| Noninterest income to average assets | 0.7460% | 2,806 |
| Noninterest expense to average assets | 3.0252% | 3,985 |
| Loan and lease loss provision to assets | 0.5485% | 2,626 |
| Net operating income to assets | 0.0044% | 6,357 |
| Return on assets (ROA) | 0.0182% | 6,175 |
| Pretax return on assets | 0.0403% | 6,073 |
| Return on Equity (ROE) | 0.1843% | 6,171 |
| Retained earnings to average equity (ytd only) | -0.6629% | 5,496 |
| Net charge-offs to loans | 0.2137% | 4,074 |
| Credit loss provision to net charge-offs | 338.8601% | 1,339 |
| Earnings coverage of net charge-offs (x) | 3.5039% | 4,338 |
| Efficiency ratio | 84.2118% | 2,030 |
| Assets per employee ($millions) | 4.1135% | 3,287 |
| Cash dividends to net income (ytd only)* | 459.7701% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,147 |
| Loan loss allowance to noncurrent loans | 53.7998% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.4639% | 1,970 |
| Noncurrent loans to loans | 2.3230% | 2,382 |
| Net loans and leases to total assets | 74.3373% | 3,025 |
| Net loans and leases to deposits | 90.5262% | 3,360 |
| Net loans and leases to core deposits | 131.6433% | 1,751 |
| Total domestic deposits to total assets | 79.8894% | 5,065 |
| Equity capital to assets | 9.4750% | 4,726 |
| Core capital (leverage) ratio | 9.5845% | 3,901 |
| Tier 1 risk-based capital ratio | 15.2674% | 2,929 |
| Total risk-based capital ratio | 16.5210% | 2,861 |
| Memoranda: | ||
| Average total assets | $476,931,000 | 1,442 |
| Average earning assets | $444,800,400 | 1,405 |
| Average equity | $47,214,400 | 1,450 |
| Average total loans | $361,288,200 | 1,341 |