Home > Eastern Savings Bank, FSB > Performance and Condition Ratios
Eastern Savings Bank, FSB, 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 | 7.0821% | 207 |
| Cost of funding earning assets | 1.1496% | 2,938 |
| Net interest margin | 5.9325% | 117 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.8994% | 397 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.5834% | 886 |
| Return on assets (ROA) | 1.5834% | 855 |
| Pretax return on assets | 1.6003% | 1,226 |
| Return on Equity (ROE) | 6.0800% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.1552% | 2,555 |
| Net charge-offs to loans | -0.0409% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.7656% | 2,135 |
| Assets per employee ($millions) | 4.1833% | 4,091 |
| Cash dividends to net income (ytd only)* | 15.2395% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 1,840 |
| Loan loss allowance to noncurrent loans | 23.9385% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 5.4688% | 19 |
| Noncurrent loans to loans | 5.3713% | 40 |
| Net loans and leases to total assets | 75.5300% | 1,173 |
| Net loans and leases to deposits | 112.2899% | 162 |
| Net loans and leases to core deposits | 127.1800% | 457 |
| Total domestic deposits to total assets | 67.2600% | 4,353 |
| Equity capital to assets | 25.1378% | 191 |
| Core capital (leverage) ratio | 25.9731% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $354,749,000 | 2,180 |
| Average earning assets | $329,504,600 | 2,177 |
| Average equity | $92,353,800 | 1,007 |
| Average total loans | $256,591,600 | 1,971 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8208% | 228 |
| Cost of funding earning assets | 1.0276% | 2,957 |
| Net interest margin | 5.7932% | 124 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 3.8391% | 403 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.3760% | 1,372 |
| Return on assets (ROA) | 1.3760% | 1,353 |
| Pretax return on assets | 1.3932% | 1,795 |
| Return on Equity (ROE) | 5.2400% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.2369% | 2,862 |
| Net charge-offs to loans | -0.0515% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.2620% | 1,755 |
| Assets per employee ($millions) | 4.0153% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,695 |
| Loan loss allowance to noncurrent loans | 21.1072% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 5.9701% | 21 |
| Noncurrent loans to loans | 6.3538% | 31 |
| Net loans and leases to total assets | 74.6200% | 1,280 |
| Net loans and leases to deposits | 113.6413% | 139 |
| Net loans and leases to core deposits | 124.8654% | 435 |
| Total domestic deposits to total assets | 65.6600% | 4,410 |
| Equity capital to assets | 26.4567% | 182 |
| Core capital (leverage) ratio | 26.4571% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $349,312,000 | 2,202 |
| Average earning assets | $324,646,000 | 2,200 |
| Average equity | $91,781,500 | 1,010 |
| Average total loans | $248,722,750 | 2,007 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5744% | 240 |
| Cost of funding earning assets | 0.8987% | 2,933 |
| Net interest margin | 5.6757% | 138 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 3.8429% | 387 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.2403% | 1,715 |
| Return on assets (ROA) | 1.2403% | 1,713 |
| Pretax return on assets | 1.2576% | 2,197 |
| Return on Equity (ROE) | 4.7300% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.7317% | 3,017 |
| Net charge-offs to loans | -0.0016% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.2967% | 1,523 |
| Assets per employee ($millions) | 3.9977% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 1,890 |
| Loan loss allowance to noncurrent loans | 20.4128% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 5.8821% | 25 |
| Noncurrent loans to loans | 6.4158% | 29 |
| Net loans and leases to total assets | 72.6900% | 1,449 |
| Net loans and leases to deposits | 109.5651% | 211 |
| Net loans and leases to core deposits | 118.9060% | 539 |
| Total domestic deposits to total assets | 66.3400% | 4,430 |
| Equity capital to assets | 25.8672% | 186 |
| Core capital (leverage) ratio | 26.6966% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $347,967,000 | 2,213 |
| Average earning assets | $323,803,000 | 2,212 |
| Average equity | $91,214,000 | 1,011 |
| Average total loans | $242,550,000 | 2,037 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3186% | 218 |
| Cost of funding earning assets | 0.7607% | 2,870 |
| Net interest margin | 5.5579% | 140 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 3.9587% | 362 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.2056% | 1,916 |
| Return on assets (ROA) | 1.2056% | 1,874 |
| Pretax return on assets | 1.2231% | 2,369 |
| Return on Equity (ROE) | 4.5700% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.5681% | 3,116 |
| Net charge-offs to loans | -0.0017% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.3520% | 1,404 |
| Assets per employee ($millions) | 3.8731% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,811 |
| Loan loss allowance to noncurrent loans | 19.2775% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 6.4738% | 12 |
| Noncurrent loans to loans | 7.0111% | 32 |
| Net loans and leases to total assets | 71.4200% | 1,486 |
| Net loans and leases to deposits | 111.2784% | 167 |
| Net loans and leases to core deposits | 117.6160% | 497 |
| Total domestic deposits to total assets | 64.1800% | 4,509 |
| Equity capital to assets | 27.4119% | 133 |
| Core capital (leverage) ratio | 27.5125% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $344,055,000 | 2,259 |
| Average earning assets | $320,768,000 | 2,251 |
| Average equity | $90,804,500 | 1,025 |
| Average total loans | $232,797,500 | 2,104 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9445% | 98 |
| Cost of funding earning assets | 0.4135% | 1,987 |
| Net interest margin | 5.5310% | 82 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.9541% | 345 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4237% | 1,067 |
| Return on assets (ROA) | 1.4237% | 1,031 |
| Pretax return on assets | 1.4459% | 1,630 |
| Return on Equity (ROE) | 5.4700% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.1804% | 3,334 |
| Net charge-offs to loans | 0.0597% | 1,052 |
| Credit loss provision to net charge-offs | 101.6260% | 1,544 |
| Earnings coverage of net charge-offs (x) | 40.7073% | 1,495 |
| Efficiency ratio | 72.7258% | 1,362 |
| Assets per employee ($millions) | 3.9463% | 4,299 |
| Cash dividends to net income (ytd only)* | 23.5282% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,207 |
| Loan loss allowance to noncurrent loans | 16.4702% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 6.2193% | 11 |
| Noncurrent loans to loans | 7.5186% | 29 |
| Net loans and leases to total assets | 62.2400% | 2,409 |
| Net loans and leases to deposits | 94.1498% | 771 |
| Net loans and leases to core deposits | 96.4785% | 1,175 |
| Total domestic deposits to total assets | 66.1000% | 4,530 |
| Equity capital to assets | 25.3918% | 144 |
| Core capital (leverage) ratio | 26.7924% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $337,649,600 | 2,269 |
| Average earning assets | $314,120,400 | 2,266 |
| Average equity | $87,934,800 | 1,054 |
| Average total loans | $205,923,200 | 2,185 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 83 |
| Cost of funding earning assets | 0.3736% | 1,492 |
| Net interest margin | 5.5352% | 73 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 3.8001% | 373 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4998% | 854 |
| Return on assets (ROA) | 1.4998% | 832 |
| Pretax return on assets | 1.5177% | 1,362 |
| Return on Equity (ROE) | 5.7200% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.7217% | 2,847 |
| Net charge-offs to loans | 0.0829% | 721 |
| Credit loss provision to net charge-offs | 79.3651% | 1,423 |
| Earnings coverage of net charge-offs (x) | 31.0794% | 1,506 |
| Efficiency ratio | 70.9301% | 1,653 |
| Assets per employee ($millions) | 3.7475% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,100 |
| Loan loss allowance to noncurrent loans | 27.7525% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.7007% | 18 |
| Noncurrent loans to loans | 4.6316% | 69 |
| Net loans and leases to total assets | 63.1700% | 2,174 |
| Net loans and leases to deposits | 96.8615% | 502 |
| Net loans and leases to core deposits | 99.5789% | 830 |
| Total domestic deposits to total assets | 65.2200% | 4,589 |
| Equity capital to assets | 25.7592% | 136 |
| Core capital (leverage) ratio | 25.4617% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $335,243,750 | 2,299 |
| Average earning assets | $310,801,250 | 2,298 |
| Average equity | $87,873,750 | 1,067 |
| Average total loans | $202,693,250 | 2,210 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 76 |
| Cost of funding earning assets | 0.3381% | 1,381 |
| Net interest margin | 5.5753% | 67 |
| Noninterest income to average assets | 0.2211% | 3,872 |
| Noninterest expense to average assets | 3.7811% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5991% | 547 |
| Return on assets (ROA) | 1.5991% | 532 |
| Pretax return on assets | 1.6168% | 907 |
| Return on Equity (ROE) | 6.0670% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.0670% | 2,316 |
| Net charge-offs to loans | 0.1295% | 488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.0385% | 1,536 |
| Efficiency ratio | 70.0471% | 1,951 |
| Assets per employee ($millions) | 3.9005% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,176 |
| Loan loss allowance to noncurrent loans | 26.5993% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 4.4701% | 23 |
| Noncurrent loans to loans | 4.9008% | 67 |
| Net loans and leases to total assets | 57.5187% | 2,581 |
| Net loans and leases to deposits | 89.0017% | 773 |
| Net loans and leases to core deposits | 91.9466% | 1,020 |
| Total domestic deposits to total assets | 64.6266% | 4,666 |
| Equity capital to assets | 26.6737% | 82 |
| Core capital (leverage) ratio | 26.5861% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,313,333 | 2,296 |
| Average earning assets | $314,136,667 | 2,303 |
| Average equity | $89,170,333 | 1,060 |
| Average total loans | $200,706,333 | 2,229 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0953% | 64 |
| Cost of funding earning assets | 0.3477% | 1,228 |
| Net interest margin | 5.7476% | 58 |
| Noninterest income to average assets | 0.2037% | 3,943 |
| Noninterest expense to average assets | 3.7502% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7798% | 344 |
| Return on assets (ROA) | 1.7798% | 341 |
| Pretax return on assets | 1.7975% | 552 |
| Return on Equity (ROE) | 6.7934% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.7934% | 1,962 |
| Net charge-offs to loans | -0.0059% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5987% | 2,552 |
| Assets per employee ($millions) | 3.9128% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 2,030 |
| Loan loss allowance to noncurrent loans | 27.8766% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 4.5612% | 24 |
| Noncurrent loans to loans | 4.9133% | 70 |
| Net loans and leases to total assets | 57.3478% | 2,374 |
| Net loans and leases to deposits | 88.2295% | 607 |
| Net loans and leases to core deposits | 91.2231% | 861 |
| Total domestic deposits to total assets | 64.9984% | 4,701 |
| Equity capital to assets | 26.2358% | 79 |
| Core capital (leverage) ratio | 26.0710% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,797,500 | 2,310 |
| Average earning assets | $314,076,500 | 2,317 |
| Average equity | $88,497,500 | 1,099 |
| Average total loans | $202,177,000 | 2,211 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 103 |
| Cost of funding earning assets | 0.4682% | 1,072 |
| Net interest margin | 5.2810% | 103 |
| Noninterest income to average assets | 0.4170% | 2,966 |
| Noninterest expense to average assets | 4.1231% | 266 |
| Loan and lease loss provision to assets | -0.2234% | 4,730 |
| Net operating income to assets | 1.5518% | 907 |
| Return on assets (ROA) | 1.5518% | 939 |
| Pretax return on assets | 1.5607% | 1,535 |
| Return on Equity (ROE) | 6.1347% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.9356% | 2,805 |
| Net charge-offs to loans | -0.0098% | 3,737 |
| Credit loss provision to net charge-offs | 3,282.6087% | 207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5094% | 1,152 |
| Assets per employee ($millions) | 3.6041% | 4,565 |
| Cash dividends to net income (ytd only)* | 19.5461% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,310 |
| Loan loss allowance to noncurrent loans | 27.3425% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 4.6432% | 32 |
| Noncurrent loans to loans | 4.7979% | 79 |
| Net loans and leases to total assets | 60.7777% | 2,083 |
| Net loans and leases to deposits | 92.0820% | 467 |
| Net loans and leases to core deposits | 94.8358% | 738 |
| Total domestic deposits to total assets | 66.0038% | 4,730 |
| Equity capital to assets | 26.1604% | 84 |
| Core capital (leverage) ratio | 26.0120% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5115% | 92 |
| Memoranda: | ||
| Average total assets | $337,922,400 | 2,258 |
| Average earning assets | $322,725,400 | 2,219 |
| Average equity | $85,481,600 | 1,144 |
| Average total loans | $234,875,000 | 2,021 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 129 |
| Cost of funding earning assets | 0.4927% | 1,083 |
| Net interest margin | 5.1439% | 131 |
| Noninterest income to average assets | 0.0886% | 4,709 |
| Noninterest expense to average assets | 4.0100% | 281 |
| Loan and lease loss provision to assets | -0.1675% | 4,708 |
| Net operating income to assets | 1.1659% | 2,299 |
| Return on assets (ROA) | 1.1659% | 2,359 |
| Pretax return on assets | 1.1836% | 2,981 |
| Return on Equity (ROE) | 4.6484% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.6484% | 3,357 |
| Net charge-offs to loans | -0.0050% | 3,435 |
| Credit loss provision to net charge-offs | 4,722.2222% | 179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7807% | 759 |
| Assets per employee ($millions) | 3.5253% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,442 |
| Loan loss allowance to noncurrent loans | 26.9783% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 5.1934% | 26 |
| Noncurrent loans to loans | 4.8532% | 82 |
| Net loans and leases to total assets | 68.0600% | 1,316 |
| Net loans and leases to deposits | 105.2103% | 145 |
| Net loans and leases to core deposits | 108.5963% | 355 |
| Total domestic deposits to total assets | 64.6895% | 4,803 |
| Equity capital to assets | 25.8060% | 88 |
| Core capital (leverage) ratio | 25.6024% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7029% | 108 |
| Memoranda: | ||
| Average total assets | $338,608,250 | 2,271 |
| Average earning assets | $325,036,500 | 2,231 |
| Average equity | $84,931,000 | 1,168 |
| Average total loans | $241,988,250 | 2,014 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 137 |
| Cost of funding earning assets | 0.5196% | 1,095 |
| Net interest margin | 5.1578% | 141 |
| Noninterest income to average assets | 0.0977% | 4,697 |
| Noninterest expense to average assets | 4.0984% | 266 |
| Loan and lease loss provision to assets | -0.2501% | 4,808 |
| Net operating income to assets | 1.1794% | 2,263 |
| Return on assets (ROA) | 1.1794% | 2,330 |
| Pretax return on assets | 1.1970% | 2,922 |
| Return on Equity (ROE) | 4.7470% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.7470% | 3,282 |
| Net charge-offs to loans | -0.0057% | 3,472 |
| Credit loss provision to net charge-offs | 6,071.4286% | 102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2318% | 715 |
| Assets per employee ($millions) | 3.5418% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,574 |
| Loan loss allowance to noncurrent loans | 25.5885% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 5.3774% | 27 |
| Noncurrent loans to loans | 4.9714% | 85 |
| Net loans and leases to total assets | 68.9790% | 1,330 |
| Net loans and leases to deposits | 107.2070% | 140 |
| Net loans and leases to core deposits | 110.3531% | 351 |
| Total domestic deposits to total assets | 64.3419% | 4,841 |
| Equity capital to assets | 25.1351% | 91 |
| Core capital (leverage) ratio | 25.1746% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8555% | 115 |
| Memoranda: | ||
| Average total assets | $339,843,333 | 2,258 |
| Average earning assets | $325,994,000 | 2,216 |
| Average equity | $84,433,000 | 1,169 |
| Average total loans | $245,664,667 | 1,995 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6721% | 154 |
| Cost of funding earning assets | 0.5429% | 1,150 |
| Net interest margin | 5.1292% | 163 |
| Noninterest income to average assets | 0.1036% | 4,667 |
| Noninterest expense to average assets | 4.1371% | 258 |
| Loan and lease loss provision to assets | -0.1589% | 4,783 |
| Net operating income to assets | 1.0243% | 2,729 |
| Return on assets (ROA) | 1.0243% | 2,809 |
| Pretax return on assets | 1.0419% | 3,253 |
| Return on Equity (ROE) | 4.1469% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.1469% | 3,462 |
| Net charge-offs to loans | -0.0032% | 3,240 |
| Credit loss provision to net charge-offs | 6,750.0000% | 94 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4109% | 681 |
| Assets per employee ($millions) | 3.4026% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,338 |
| Loan loss allowance to noncurrent loans | 25.1120% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 5.7756% | 26 |
| Noncurrent loans to loans | 5.2628% | 71 |
| Net loans and leases to total assets | 72.5682% | 947 |
| Net loans and leases to deposits | 112.1614% | 119 |
| Net loans and leases to core deposits | 116.6842% | 281 |
| Total domestic deposits to total assets | 64.6998% | 4,853 |
| Equity capital to assets | 24.7826% | 97 |
| Core capital (leverage) ratio | 24.8842% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.5414% | 138 |
| Memoranda: | ||
| Average total assets | $339,757,500 | 2,239 |
| Average earning assets | $325,667,000 | 2,199 |
| Average equity | $83,918,000 | 1,161 |
| Average total loans | $249,716,500 | 1,966 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 72 |
| Cost of funding earning assets | 0.7423% | 1,496 |
| Net interest margin | 5.4659% | 64 |
| Noninterest income to average assets | 0.9275% | 1,202 |
| Noninterest expense to average assets | 4.6250% | 234 |
| Loan and lease loss provision to assets | 0.1613% | 2,357 |
| Net operating income to assets | 1.2086% | 1,525 |
| Return on assets (ROA) | 1.2086% | 1,631 |
| Pretax return on assets | 1.2132% | 2,285 |
| Return on Equity (ROE) | 4.8222% | 3,950 |
| Retained earnings to average equity (ytd only) | 4.1039% | 2,760 |
| Net charge-offs to loans | -0.0116% | 4,291 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0893% | 1,112 |
| Assets per employee ($millions) | 3.2621% | 4,735 |
| Cash dividends to net income (ytd only)* | 14.8958% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 2,054 |
| Loan loss allowance to noncurrent loans | 26.1239% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 5.7706% | 39 |
| Noncurrent loans to loans | 5.2840% | 74 |
| Net loans and leases to total assets | 72.4426% | 1,233 |
| Net loans and leases to deposits | 111.7911% | 145 |
| Net loans and leases to core deposits | 116.0122% | 367 |
| Total domestic deposits to total assets | 64.8018% | 4,868 |
| Equity capital to assets | 24.6159% | 103 |
| Core capital (leverage) ratio | 24.9451% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4612% | 148 |
| Memoranda: | ||
| Average total assets | $325,491,000 | 2,159 |
| Average earning assets | $302,034,600 | 2,165 |
| Average equity | $81,580,600 | 1,136 |
| Average total loans | $240,978,600 | 1,967 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3894% | 71 |
| Cost of funding earning assets | 0.7869% | 1,557 |
| Net interest margin | 5.6024% | 66 |
| Noninterest income to average assets | 0.3291% | 3,511 |
| Noninterest expense to average assets | 4.6708% | 220 |
| Loan and lease loss provision to assets | 0.1655% | 2,344 |
| Net operating income to assets | 0.6293% | 3,695 |
| Return on assets (ROA) | 0.6293% | 3,785 |
| Pretax return on assets | 0.6479% | 4,011 |
| Return on Equity (ROE) | 2.4990% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.4990% | 3,744 |
| Net charge-offs to loans | 0.0324% | 2,179 |
| Credit loss provision to net charge-offs | 689.6552% | 1,081 |
| Earnings coverage of net charge-offs (x) | 33.8793% | 1,489 |
| Efficiency ratio | 85.1665% | 550 |
| Assets per employee ($millions) | 3.2225% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,001 |
| Loan loss allowance to noncurrent loans | 26.5020% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 8.5285% | 19 |
| Noncurrent loans to loans | 5.0583% | 107 |
| Net loans and leases to total assets | 72.2980% | 1,618 |
| Net loans and leases to deposits | 112.6378% | 188 |
| Net loans and leases to core deposits | 116.7155% | 484 |
| Total domestic deposits to total assets | 64.1863% | 4,887 |
| Equity capital to assets | 24.8505% | 105 |
| Core capital (leverage) ratio | 24.8770% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8567% | 157 |
| Memoranda: | ||
| Average total assets | $322,049,750 | 2,158 |
| Average earning assets | $296,339,750 | 2,177 |
| Average equity | $81,098,000 | 1,132 |
| Average total loans | $238,921,750 | 1,978 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7000% | 72 |
| Cost of funding earning assets | 0.8135% | 1,764 |
| Net interest margin | 5.8865% | 72 |
| Noninterest income to average assets | 0.5021% | 2,553 |
| Noninterest expense to average assets | 4.8019% | 210 |
| Loan and lease loss provision to assets | 0.2501% | 1,681 |
| Net operating income to assets | 0.8523% | 2,861 |
| Return on assets (ROA) | 0.8523% | 2,974 |
| Pretax return on assets | 0.8711% | 3,397 |
| Return on Equity (ROE) | 3.3695% | 4,269 |
| Retained earnings to average equity (ytd only) | 3.3695% | 3,239 |
| Net charge-offs to loans | 0.0361% | 2,013 |
| Credit loss provision to net charge-offs | 930.2326% | 829 |
| Earnings coverage of net charge-offs (x) | 41.6977% | 1,217 |
| Efficiency ratio | 81.0705% | 814 |
| Assets per employee ($millions) | 3.1729% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,773 |
| Loan loss allowance to noncurrent loans | 27.9270% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 8.5484% | 23 |
| Noncurrent loans to loans | 4.8394% | 119 |
| Net loans and leases to total assets | 72.4540% | 1,630 |
| Net loans and leases to deposits | 113.3375% | 167 |
| Net loans and leases to core deposits | 116.8776% | 502 |
| Total domestic deposits to total assets | 63.9277% | 4,919 |
| Equity capital to assets | 24.9460% | 103 |
| Core capital (leverage) ratio | 25.3807% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8838% | 157 |
| Memoranda: | ||
| Average total assets | $319,833,667 | 2,148 |
| Average earning assets | $294,537,667 | 2,157 |
| Average equity | $80,903,000 | 1,128 |
| Average total loans | $238,272,000 | 1,964 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1727% | 58 |
| Cost of funding earning assets | 0.8519% | 2,104 |
| Net interest margin | 6.3208% | 49 |
| Noninterest income to average assets | 0.0986% | 4,830 |
| Noninterest expense to average assets | 4.6885% | 262 |
| Loan and lease loss provision to assets | 0.0632% | 2,974 |
| Net operating income to assets | 1.1633% | 1,646 |
| Return on assets (ROA) | 1.1633% | 1,758 |
| Pretax return on assets | 1.1823% | 2,257 |
| Return on Equity (ROE) | 4.5662% | 3,795 |
| Retained earnings to average equity (ytd only) | 4.5662% | 2,472 |
| Net charge-offs to loans | 0.0640% | 1,376 |
| Credit loss provision to net charge-offs | 131.5789% | 1,657 |
| Earnings coverage of net charge-offs (x) | 25.9211% | 1,271 |
| Efficiency ratio | 79.0113% | 1,236 |
| Assets per employee ($millions) | 2.8980% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,551 |
| Loan loss allowance to noncurrent loans | 22.0708% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 8.8626% | 26 |
| Noncurrent loans to loans | 5.5357% | 96 |
| Net loans and leases to total assets | 74.1990% | 1,572 |
| Net loans and leases to deposits | 117.6749% | 98 |
| Net loans and leases to core deposits | 121.1562% | 436 |
| Total domestic deposits to total assets | 63.0542% | 5,004 |
| Equity capital to assets | 25.6671% | 105 |
| Core capital (leverage) ratio | 25.5933% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3141% | 173 |
| Memoranda: | ||
| Average total assets | $316,345,500 | 2,118 |
| Average earning assets | $292,052,500 | 2,124 |
| Average equity | $80,591,500 | 1,128 |
| Average total loans | $237,392,500 | 1,943 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9843% | 70 |
| Cost of funding earning assets | 0.9097% | 2,153 |
| Net interest margin | 6.0746% | 63 |
| Noninterest income to average assets | 0.1277% | 4,826 |
| Noninterest expense to average assets | 4.8631% | 241 |
| Loan and lease loss provision to assets | -0.0468% | 5,014 |
| Net operating income to assets | 0.9217% | 3,118 |
| Return on assets (ROA) | 0.9217% | 3,195 |
| Pretax return on assets | 0.9217% | 3,674 |
| Return on Equity (ROE) | 3.7408% | 4,524 |
| Retained earnings to average equity (ytd only) | 3.3695% | 3,326 |
| Net charge-offs to loans | 0.0165% | 3,127 |
| Credit loss provision to net charge-offs | -384.6154% | 4,385 |
| Earnings coverage of net charge-offs (x) | 71.8462% | 871 |
| Efficiency ratio | 84.7535% | 616 |
| Assets per employee ($millions) | 2.9609% | 4,846 |
| Cash dividends to net income (ytd only)* | 9.9255% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,345 |
| Loan loss allowance to noncurrent loans | 22.0163% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 8.7014% | 22 |
| Noncurrent loans to loans | 5.5211% | 84 |
| Net loans and leases to total assets | 74.0565% | 1,740 |
| Net loans and leases to deposits | 116.8974% | 103 |
| Net loans and leases to core deposits | 120.1288% | 475 |
| Total domestic deposits to total assets | 63.3518% | 5,059 |
| Equity capital to assets | 25.2850% | 121 |
| Core capital (leverage) ratio | 25.2873% | 121 |
| Tier 1 risk-based capital ratio | 36.2533% | 304 |
| Total risk-based capital ratio | 37.5046% | 300 |
| Memoranda: | ||
| Average total assets | $320,292,200 | 2,036 |
| Average earning assets | $295,807,800 | 2,054 |
| Average equity | $78,913,600 | 1,101 |
| Average total loans | $236,574,400 | 1,912 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0826% | 67 |
| Cost of funding earning assets | 0.9075% | 2,199 |
| Net interest margin | 6.1751% | 57 |
| Noninterest income to average assets | 0.0573% | 5,097 |
| Noninterest expense to average assets | 4.9403% | 220 |
| Loan and lease loss provision to assets | -0.0623% | 5,132 |
| Net operating income to assets | 0.8614% | 3,480 |
| Return on assets (ROA) | 0.8614% | 3,555 |
| Pretax return on assets | 0.8801% | 3,938 |
| Return on Equity (ROE) | 3.5192% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.5192% | 3,647 |
| Net charge-offs to loans | 0.0231% | 2,636 |
| Credit loss provision to net charge-offs | -365.8537% | 4,274 |
| Earnings coverage of net charge-offs (x) | 48.0446% | 1,227 |
| Efficiency ratio | 85.7967% | 512 |
| Assets per employee ($millions) | 2.8696% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,379 |
| Loan loss allowance to noncurrent loans | 23.1764% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 9.2331% | 19 |
| Noncurrent loans to loans | 5.2823% | 96 |
| Net loans and leases to total assets | 73.7403% | 1,864 |
| Net loans and leases to deposits | 116.5046% | 118 |
| Net loans and leases to core deposits | 119.7440% | 547 |
| Total domestic deposits to total assets | 63.2939% | 5,134 |
| Equity capital to assets | 25.1924% | 123 |
| Core capital (leverage) ratio | 24.8189% | 122 |
| Tier 1 risk-based capital ratio | 36.1452% | 316 |
| Total risk-based capital ratio | 37.3961% | 313 |
| Memoranda: | ||
| Average total assets | $321,162,250 | 2,035 |
| Average earning assets | $296,495,500 | 2,059 |
| Average equity | $78,615,500 | 1,103 |
| Average total loans | $236,341,250 | 1,922 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2294% | 63 |
| Cost of funding earning assets | 0.8833% | 2,226 |
| Net interest margin | 6.3461% | 55 |
| Noninterest income to average assets | -0.0198% | 5,270 |
| Noninterest expense to average assets | 4.9456% | 225 |
| Loan and lease loss provision to assets | -0.0929% | 5,205 |
| Net operating income to assets | 0.9678% | 3,036 |
| Return on assets (ROA) | 0.9678% | 3,108 |
| Pretax return on assets | 0.9864% | 3,594 |
| Return on Equity (ROE) | 3.9917% | 4,586 |
| Retained earnings to average equity (ytd only) | 3.9917% | 3,253 |
| Net charge-offs to loans | 0.0380% | 2,125 |
| Credit loss provision to net charge-offs | -333.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | 32.0667% | 1,413 |
| Efficiency ratio | 84.6978% | 611 |
| Assets per employee ($millions) | 2.8930% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,258 |
| Loan loss allowance to noncurrent loans | 24.7063% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 8.5581% | 22 |
| Noncurrent loans to loans | 5.0554% | 104 |
| Net loans and leases to total assets | 70.2982% | 2,487 |
| Net loans and leases to deposits | 111.2310% | 196 |
| Net loans and leases to core deposits | 114.6391% | 749 |
| Total domestic deposits to total assets | 63.2002% | 5,181 |
| Equity capital to assets | 24.3842% | 131 |
| Core capital (leverage) ratio | 24.6718% | 122 |
| Tier 1 risk-based capital ratio | 37.4963% | 284 |
| Total risk-based capital ratio | 38.7478% | 281 |
| Memoranda: | ||
| Average total assets | $322,996,670 | 2,034 |
| Average earning assets | $298,200,330 | 2,050 |
| Average equity | $78,313,330 | 1,103 |
| Average total loans | $236,570,670 | 1,931 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9072% | 49 |
| Cost of funding earning assets | 0.8648% | 2,183 |
| Net interest margin | 7.0424% | 39 |
| Noninterest income to average assets | -0.1985% | 5,341 |
| Noninterest expense to average assets | 4.8647% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4128% | 1,343 |
| Return on assets (ROA) | 1.4128% | 1,369 |
| Pretax return on assets | 1.4314% | 1,983 |
| Return on Equity (ROE) | 5.8436% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.8436% | 2,525 |
| Net charge-offs to loans | 0.0534% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 36.0625% | 1,220 |
| Efficiency ratio | 77.2656% | 1,354 |
| Assets per employee ($millions) | 2.8425% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,088 |
| Loan loss allowance to noncurrent loans | 24.1224% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 8.9685% | 19 |
| Noncurrent loans to loans | 5.3947% | 99 |
| Net loans and leases to total assets | 71.8768% | 2,187 |
| Net loans and leases to deposits | 111.0577% | 191 |
| Net loans and leases to core deposits | 114.3935% | 719 |
| Total domestic deposits to total assets | 64.7202% | 5,225 |
| Equity capital to assets | 24.4613% | 123 |
| Core capital (leverage) ratio | 24.3294% | 124 |
| Tier 1 risk-based capital ratio | 36.5804% | 290 |
| Total risk-based capital ratio | 37.8328% | 283 |
| Memoranda: | ||
| Average total assets | $322,484,500 | 2,051 |
| Average earning assets | $297,400,000 | 2,062 |
| Average equity | $77,965,000 | 1,100 |
| Average total loans | $239,525,000 | 1,922 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1435% | 62 |
| Cost of funding earning assets | 0.7366% | 1,865 |
| Net interest margin | 6.4069% | 56 |
| Noninterest income to average assets | 0.8405% | 1,334 |
| Noninterest expense to average assets | 4.7673% | 245 |
| Loan and lease loss provision to assets | 0.1599% | 1,286 |
| Net operating income to assets | 1.7904% | 561 |
| Return on assets (ROA) | 1.7904% | 559 |
| Pretax return on assets | 1.8086% | 894 |
| Return on Equity (ROE) | 7.8334% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.4442% | 1,483 |
| Net charge-offs to loans | 0.1091% | 1,655 |
| Credit loss provision to net charge-offs | 189.5307% | 1,507 |
| Earnings coverage of net charge-offs (x) | 23.3285% | 1,856 |
| Efficiency ratio | 70.7747% | 2,072 |
| Assets per employee ($millions) | 2.8652% | 5,063 |
| Cash dividends to net income (ytd only)* | 4.9685% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,270 |
| Loan loss allowance to noncurrent loans | 21.6941% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 9.9287% | 15 |
| Noncurrent loans to loans | 5.7841% | 83 |
| Net loans and leases to total assets | 74.7637% | 1,804 |
| Net loans and leases to deposits | 114.1614% | 165 |
| Net loans and leases to core deposits | 117.5065% | 633 |
| Total domestic deposits to total assets | 65.4895% | 5,251 |
| Equity capital to assets | 23.8937% | 128 |
| Core capital (leverage) ratio | 23.7204% | 133 |
| Tier 1 risk-based capital ratio | 34.3031% | 332 |
| Total risk-based capital ratio | 35.5549% | 326 |
| Memoranda: | ||
| Average total assets | $328,258,600 | 2,003 |
| Average earning assets | $302,049,400 | 2,011 |
| Average equity | $75,025,000 | 1,091 |
| Average total loans | $253,894,000 | 1,805 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1213% | 61 |
| Cost of funding earning assets | 0.7163% | 1,766 |
| Net interest margin | 6.4051% | 55 |
| Noninterest income to average assets | 0.9537% | 1,050 |
| Noninterest expense to average assets | 4.7700% | 237 |
| Loan and lease loss provision to assets | 0.1923% | 921 |
| Net operating income to assets | 1.8661% | 527 |
| Return on assets (ROA) | 1.8661% | 527 |
| Pretax return on assets | 1.8843% | 842 |
| Return on Equity (ROE) | 8.2569% | 3,437 |
| Retained earnings to average equity (ytd only) | 8.2569% | 1,534 |
| Net charge-offs to loans | 0.0833% | 1,689 |
| Credit loss provision to net charge-offs | 296.8750% | 1,032 |
| Earnings coverage of net charge-offs (x) | 32.0622% | 1,553 |
| Efficiency ratio | 69.6701% | 2,245 |
| Assets per employee ($millions) | 2.8695% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,416 |
| Loan loss allowance to noncurrent loans | 23.5149% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 9.5010% | 21 |
| Noncurrent loans to loans | 5.2660% | 109 |
| Net loans and leases to total assets | 76.6300% | 1,565 |
| Net loans and leases to deposits | 115.7862% | 152 |
| Net loans and leases to core deposits | 118.6778% | 617 |
| Total domestic deposits to total assets | 66.1823% | 5,319 |
| Equity capital to assets | 23.3501% | 139 |
| Core capital (leverage) ratio | 23.3790% | 132 |
| Tier 1 risk-based capital ratio | 32.9733% | 372 |
| Total risk-based capital ratio | 34.2252% | 366 |
| Memoranda: | ||
| Average total assets | $329,381,250 | 2,004 |
| Average earning assets | $303,044,000 | 2,021 |
| Average equity | $74,441,250 | 1,100 |
| Average total loans | $256,083,250 | 1,809 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1537% | 59 |
| Cost of funding earning assets | 0.6900% | 1,681 |
| Net interest margin | 6.4637% | 49 |
| Noninterest income to average assets | 1.2946% | 574 |
| Noninterest expense to average assets | 4.7357% | 250 |
| Loan and lease loss provision to assets | 0.2726% | 551 |
| Net operating income to assets | 2.2100% | 252 |
| Return on assets (ROA) | 2.2100% | 244 |
| Pretax return on assets | 2.2282% | 370 |
| Return on Equity (ROE) | 9.8870% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.8870% | 958 |
| Net charge-offs to loans | 0.0825% | 1,502 |
| Credit loss provision to net charge-offs | 424.5283% | 789 |
| Earnings coverage of net charge-offs (x) | 38.9434% | 1,323 |
| Efficiency ratio | 65.4416% | 3,076 |
| Assets per employee ($millions) | 2.8375% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,557 |
| Loan loss allowance to noncurrent loans | 31.4932% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 8.3712% | 35 |
| Noncurrent loans to loans | 3.9039% | 230 |
| Net loans and leases to total assets | 77.4186% | 1,406 |
| Net loans and leases to deposits | 116.2004% | 159 |
| Net loans and leases to core deposits | 118.4512% | 612 |
| Total domestic deposits to total assets | 66.6250% | 5,371 |
| Equity capital to assets | 22.9135% | 142 |
| Core capital (leverage) ratio | 22.8435% | 139 |
| Tier 1 risk-based capital ratio | 32.2535% | 400 |
| Total risk-based capital ratio | 33.5048% | 398 |
| Memoranda: | ||
| Average total assets | $330,133,330 | 2,008 |
| Average earning assets | $303,478,670 | 2,028 |
| Average equity | $73,793,670 | 1,106 |
| Average total loans | $256,838,000 | 1,811 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3893% | 45 |
| Cost of funding earning assets | 0.6468% | 1,734 |
| Net interest margin | 6.7425% | 37 |
| Noninterest income to average assets | 2.1039% | 257 |
| Noninterest expense to average assets | 4.8502% | 238 |
| Loan and lease loss provision to assets | 0.3388% | 363 |
| Net operating income to assets | 3.0766% | 80 |
| Return on assets (ROA) | 3.0766% | 81 |
| Pretax return on assets | 3.0947% | 106 |
| Return on Equity (ROE) | 13.9380% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.9380% | 411 |
| Net charge-offs to loans | 0.1577% | 896 |
| Credit loss provision to net charge-offs | 277.2277% | 864 |
| Earnings coverage of net charge-offs (x) | 28.0990% | 1,280 |
| Efficiency ratio | 58.5512% | 4,279 |
| Assets per employee ($millions) | 2.8286% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,990 |
| Loan loss allowance to noncurrent loans | 25.2223% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 9.1304% | 24 |
| Noncurrent loans to loans | 4.6272% | 180 |
| Net loans and leases to total assets | 76.9433% | 1,398 |
| Net loans and leases to deposits | 114.4164% | 171 |
| Net loans and leases to core deposits | 116.5952% | 708 |
| Total domestic deposits to total assets | 67.2485% | 5,439 |
| Equity capital to assets | 22.4511% | 147 |
| Core capital (leverage) ratio | 22.5196% | 139 |
| Tier 1 risk-based capital ratio | 32.2252% | 398 |
| Total risk-based capital ratio | 33.4760% | 392 |
| Memoranda: | ||
| Average total assets | $330,624,500 | 2,014 |
| Average earning assets | $303,032,500 | 2,039 |
| Average equity | $72,980,500 | 1,124 |
| Average total loans | $256,259,000 | 1,820 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1009% | 37 |
| Cost of funding earning assets | 0.6569% | 1,262 |
| Net interest margin | 7.4440% | 31 |
| Noninterest income to average assets | 1.0749% | 881 |
| Noninterest expense to average assets | 4.8761% | 236 |
| Loan and lease loss provision to assets | 0.4898% | 270 |
| Net operating income to assets | 2.3332% | 153 |
| Return on assets (ROA) | 2.3332% | 153 |
| Pretax return on assets | 2.3527% | 240 |
| Return on Equity (ROE) | 11.3573% | 1,370 |
| Retained earnings to average equity (ytd only) | 10.9315% | 254 |
| Net charge-offs to loans | 0.3119% | 818 |
| Credit loss provision to net charge-offs | 223.6662% | 1,232 |
| Earnings coverage of net charge-offs (x) | 12.9795% | 2,431 |
| Efficiency ratio | 63.1734% | 3,740 |
| Assets per employee ($millions) | 2.8231% | 5,306 |
| Cash dividends to net income (ytd only)* | 3.7494% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,296 |
| Loan loss allowance to noncurrent loans | 19.8150% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 11.4402% | 16 |
| Noncurrent loans to loans | 5.5998% | 104 |
| Net loans and leases to total assets | 76.3063% | 1,540 |
| Net loans and leases to deposits | 112.4552% | 204 |
| Net loans and leases to core deposits | 114.3672% | 783 |
| Total domestic deposits to total assets | 67.8549% | 5,478 |
| Equity capital to assets | 21.6952% | 159 |
| Core capital (leverage) ratio | 21.9576% | 144 |
| Tier 1 risk-based capital ratio | 30.6979% | 437 |
| Total risk-based capital ratio | 31.9094% | 432 |
| Memoranda: | ||
| Average total assets | $333,788,200 | 1,988 |
| Average earning assets | $297,905,400 | 2,052 |
| Average equity | $68,572,400 | 1,161 |
| Average total loans | $234,353,800 | 1,907 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4175% | 33 |
| Cost of funding earning assets | 0.6856% | 1,036 |
| Net interest margin | 7.7319% | 30 |
| Noninterest income to average assets | 0.9856% | 1,058 |
| Noninterest expense to average assets | 4.9609% | 228 |
| Loan and lease loss provision to assets | 0.4522% | 284 |
| Net operating income to assets | 2.4068% | 154 |
| Return on assets (ROA) | 2.4068% | 156 |
| Pretax return on assets | 2.4426% | 233 |
| Return on Equity (ROE) | 11.8796% | 1,373 |
| Retained earnings to average equity (ytd only) | 11.8796% | 305 |
| Net charge-offs to loans | 0.2600% | 830 |
| Credit loss provision to net charge-offs | 253.9150% | 1,120 |
| Earnings coverage of net charge-offs (x) | 16.2549% | 2,174 |
| Efficiency ratio | 63.1504% | 3,686 |
| Assets per employee ($millions) | 2.6829% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,728 |
| Loan loss allowance to noncurrent loans | 15.8649% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 14.2106% | 10 |
| Noncurrent loans to loans | 6.6858% | 82 |
| Net loans and leases to total assets | 76.3144% | 1,534 |
| Net loans and leases to deposits | 107.5710% | 354 |
| Net loans and leases to core deposits | 109.2021% | 1,078 |
| Total domestic deposits to total assets | 70.9433% | 5,442 |
| Equity capital to assets | 21.9888% | 156 |
| Core capital (leverage) ratio | 21.4657% | 159 |
| Tier 1 risk-based capital ratio | 29.8170% | 482 |
| Total risk-based capital ratio | 30.9264% | 484 |
| Memoranda: | ||
| Average total assets | $334,660,500 | 1,993 |
| Average earning assets | $297,357,750 | 2,067 |
| Average equity | $67,800,750 | 1,186 |
| Average total loans | $229,225,500 | 1,953 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7334% | 29 |
| Cost of funding earning assets | 0.7175% | 816 |
| Net interest margin | 8.0160% | 30 |
| Noninterest income to average assets | 1.0783% | 860 |
| Noninterest expense to average assets | 4.9777% | 220 |
| Loan and lease loss provision to assets | 0.1913% | 972 |
| Net operating income to assets | 2.9895% | 77 |
| Return on assets (ROA) | 2.9895% | 78 |
| Pretax return on assets | 3.0248% | 112 |
| Return on Equity (ROE) | 15.1611% | 634 |
| Retained earnings to average equity (ytd only) | 15.1611% | 133 |
| Net charge-offs to loans | 0.2890% | 703 |
| Credit loss provision to net charge-offs | 100.6192% | 1,996 |
| Earnings coverage of net charge-offs (x) | 16.9164% | 1,952 |
| Efficiency ratio | 60.7499% | 4,204 |
| Assets per employee ($millions) | 2.8208% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,812 |
| Loan loss allowance to noncurrent loans | 11.5033% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 14.2557% | 13 |
| Noncurrent loans to loans | 7.3970% | 58 |
| Net loans and leases to total assets | 66.8568% | 2,975 |
| Net loans and leases to deposits | 96.0748% | 1,073 |
| Net loans and leases to core deposits | 96.7486% | 1,910 |
| Total domestic deposits to total assets | 69.5883% | 5,551 |
| Equity capital to assets | 20.6261% | 199 |
| Core capital (leverage) ratio | 20.5138% | 189 |
| Tier 1 risk-based capital ratio | 30.1459% | 461 |
| Total risk-based capital ratio | 30.9845% | 470 |
| Memoranda: | ||
| Average total assets | $339,793,330 | 1,982 |
| Average earning assets | $301,622,670 | 2,045 |
| Average equity | $67,000,330 | 1,196 |
| Average total loans | $223,549,000 | 1,985 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4283% | 27 |
| Cost of funding earning assets | 0.7197% | 765 |
| Net interest margin | 8.7086% | 25 |
| Noninterest income to average assets | 1.8523% | 346 |
| Noninterest expense to average assets | 5.1929% | 217 |
| Loan and lease loss provision to assets | 0.2340% | 657 |
| Net operating income to assets | 4.1211% | 53 |
| Return on assets (ROA) | 4.1211% | 52 |
| Pretax return on assets | 4.1562% | 73 |
| Return on Equity (ROE) | 21.3837% | 178 |
| Retained earnings to average equity (ytd only) | 21.3837% | 88 |
| Net charge-offs to loans | 0.4231% | 435 |
| Credit loss provision to net charge-offs | 85.1064% | 1,722 |
| Earnings coverage of net charge-offs (x) | 15.9660% | 1,655 |
| Efficiency ratio | 54.1880% | 5,110 |
| Assets per employee ($millions) | 2.8194% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,907 |
| Loan loss allowance to noncurrent loans | 9.5646% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 15.1252% | 13 |
| Noncurrent loans to loans | 8.9483% | 43 |
| Net loans and leases to total assets | 64.6777% | 3,171 |
| Net loans and leases to deposits | 91.9004% | 1,341 |
| Net loans and leases to core deposits | 92.5307% | 2,117 |
| Total domestic deposits to total assets | 70.3780% | 5,617 |
| Equity capital to assets | 20.0009% | 213 |
| Core capital (leverage) ratio | 19.8296% | 203 |
| Tier 1 risk-based capital ratio | 36.5214% | 286 |
| Total risk-based capital ratio | 37.4340% | 287 |
| Memoranda: | ||
| Average total assets | $341,851,500 | 1,978 |
| Average earning assets | $303,469,000 | 2,053 |
| Average equity | $65,882,000 | 1,210 |
| Average total loans | $222,149,000 | 2,008 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5087% | 46 |
| Cost of funding earning assets | 0.7972% | 513 |
| Net interest margin | 6.7115% | 46 |
| Noninterest income to average assets | 0.4006% | 3,880 |
| Noninterest expense to average assets | 5.3747% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1477% | 1,710 |
| Return on assets (ROA) | 1.1477% | 1,796 |
| Pretax return on assets | 0.9168% | 3,782 |
| Return on Equity (ROE) | 6.4573% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.4573% | 1,472 |
| Net charge-offs to loans | 0.3269% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.4694% | 3,496 |
| Efficiency ratio | 85.4275% | 865 |
| Assets per employee ($millions) | 2.9519% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,925 |
| Loan loss allowance to noncurrent loans | 6.7137% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 17.4811% | 9 |
| Noncurrent loans to loans | 12.8175% | 18 |
| Net loans and leases to total assets | 64.1802% | 3,334 |
| Net loans and leases to deposits | 89.4552% | 1,744 |
| Net loans and leases to core deposits | 90.1350% | 2,490 |
| Total domestic deposits to total assets | 71.7456% | 5,576 |
| Equity capital to assets | 18.5582% | 272 |
| Core capital (leverage) ratio | 18.4878% | 253 |
| Tier 1 risk-based capital ratio | 34.0704% | 348 |
| Total risk-based capital ratio | 34.8130% | 355 |
| Memoranda: | ||
| Average total assets | $350,013,200 | 1,903 |
| Average earning assets | $307,217,400 | 1,997 |
| Average equity | $62,208,600 | 1,261 |
| Average total loans | $219,663,200 | 1,975 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5709% | 44 |
| Cost of funding earning assets | 0.8104% | 476 |
| Net interest margin | 6.7605% | 44 |
| Noninterest income to average assets | 0.5110% | 3,179 |
| Noninterest expense to average assets | 5.3514% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3831% | 1,098 |
| Return on assets (ROA) | 1.3831% | 1,156 |
| Pretax return on assets | 1.0764% | 3,328 |
| Return on Equity (ROE) | 7.8676% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.8676% | 1,226 |
| Net charge-offs to loans | 0.2652% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.5172% | 2,992 |
| Efficiency ratio | 83.2546% | 1,048 |
| Assets per employee ($millions) | 2.8861% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,476 |
| Loan loss allowance to noncurrent loans | 6.1569% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 19.6020% | 4 |
| Noncurrent loans to loans | 16.0523% | 15 |
| Net loans and leases to total assets | 63.8398% | 3,425 |
| Net loans and leases to deposits | 88.6667% | 1,935 |
| Net loans and leases to core deposits | 89.3337% | 2,638 |
| Total domestic deposits to total assets | 71.9998% | 5,595 |
| Equity capital to assets | 18.3957% | 314 |
| Core capital (leverage) ratio | 18.2856% | 279 |
| Tier 1 risk-based capital ratio | 33.1998% | 378 |
| Total risk-based capital ratio | 34.0033% | 385 |
| Memoranda: | ||
| Average total assets | $351,173,250 | 1,902 |
| Average earning assets | $307,344,250 | 1,998 |
| Average equity | $61,737,000 | 1,275 |
| Average total loans | $218,682,750 | 1,991 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3669% | 48 |
| Cost of funding earning assets | 0.8201% | 439 |
| Net interest margin | 6.5469% | 50 |
| Noninterest income to average assets | 0.5754% | 2,753 |
| Noninterest expense to average assets | 5.3755% | 225 |
| Loan and lease loss provision to assets | 0.0142% | 3,824 |
| Net operating income to assets | 1.3464% | 1,177 |
| Return on assets (ROA) | 1.3464% | 1,246 |
| Pretax return on assets | 0.8884% | 3,995 |
| Return on Equity (ROE) | 7.7768% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.7768% | 1,255 |
| Net charge-offs to loans | 0.3132% | 754 |
| Credit loss provision to net charge-offs | 7.3529% | 3,015 |
| Earnings coverage of net charge-offs (x) | 4.6824% | 2,957 |
| Efficiency ratio | 85.6240% | 917 |
| Assets per employee ($millions) | 2.9408% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 4,165 |
| Loan loss allowance to noncurrent loans | 5.9564% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 20.8262% | 3 |
| Noncurrent loans to loans | 17.8051% | 6 |
| Net loans and leases to total assets | 62.0335% | 3,620 |
| Net loans and leases to deposits | 85.5071% | 2,304 |
| Net loans and leases to core deposits | 86.6577% | 2,842 |
| Total domestic deposits to total assets | 72.5477% | 5,634 |
| Equity capital to assets | 17.8404% | 352 |
| Core capital (leverage) ratio | 17.8484% | 306 |
| Tier 1 risk-based capital ratio | 32.4489% | 401 |
| Total risk-based capital ratio | 33.2815% | 412 |
| Memoranda: | ||
| Average total assets | $352,785,330 | 1,897 |
| Average earning assets | $307,292,670 | 2,005 |
| Average equity | $61,079,000 | 1,283 |
| Average total loans | $217,141,000 | 2,003 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6250% | 46 |
| Cost of funding earning assets | 0.8389% | 404 |
| Net interest margin | 6.7861% | 47 |
| Noninterest income to average assets | 0.5782% | 2,645 |
| Noninterest expense to average assets | 5.4715% | 215 |
| Loan and lease loss provision to assets | 0.1412% | 1,494 |
| Net operating income to assets | 0.7826% | 3,335 |
| Return on assets (ROA) | 0.7826% | 3,441 |
| Pretax return on assets | 0.8300% | 4,101 |
| Return on Equity (ROE) | 4.5893% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.5893% | 3,182 |
| Net charge-offs to loans | 0.2259% | 905 |
| Credit loss provision to net charge-offs | 102.4590% | 1,590 |
| Earnings coverage of net charge-offs (x) | 7.0492% | 2,183 |
| Efficiency ratio | 84.9255% | 1,071 |
| Assets per employee ($millions) | 2.9603% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 3,356 |
| Loan loss allowance to noncurrent loans | 5.7965% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 24.8332% | 2 |
| Noncurrent loans to loans | 21.0683% | 4 |
| Net loans and leases to total assets | 61.2453% | 3,627 |
| Net loans and leases to deposits | 83.9643% | 2,307 |
| Net loans and leases to core deposits | 85.0873% | 2,836 |
| Total domestic deposits to total assets | 72.9421% | 5,711 |
| Equity capital to assets | 17.3910% | 387 |
| Core capital (leverage) ratio | 17.1560% | 357 |
| Tier 1 risk-based capital ratio | 30.2120% | 500 |
| Total risk-based capital ratio | 31.1564% | 508 |
| Memoranda: | ||
| Average total assets | $354,201,500 | 1,890 |
| Average earning assets | $306,097,000 | 2,018 |
| Average equity | $60,402,000 | 1,292 |
| Average total loans | $216,004,000 | 2,014 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0455% | 55 |
| Cost of funding earning assets | 0.9821% | 192 |
| Net interest margin | 6.0634% | 70 |
| Noninterest income to average assets | 1.0309% | 1,112 |
| Noninterest expense to average assets | 4.9293% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2605% | 1,367 |
| Return on assets (ROA) | 1.2605% | 1,414 |
| Pretax return on assets | 1.3260% | 2,175 |
| Return on Equity (ROE) | 8.4243% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.4243% | 797 |
| Net charge-offs to loans | 0.4165% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.6926% | 3,343 |
| Efficiency ratio | 78.8015% | 1,842 |
| Assets per employee ($millions) | 3.1499% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 3,310 |
| Loan loss allowance to noncurrent loans | 5.2440% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 25.6572% | 2 |
| Noncurrent loans to loans | 23.3871% | 2 |
| Net loans and leases to total assets | 59.2562% | 3,933 |
| Net loans and leases to deposits | 80.3441% | 2,784 |
| Net loans and leases to core deposits | 81.3326% | 3,214 |
| Total domestic deposits to total assets | 73.7530% | 5,673 |
| Equity capital to assets | 16.7242% | 437 |
| Core capital (leverage) ratio | 16.4772% | 418 |
| Tier 1 risk-based capital ratio | 29.7455% | 517 |
| Total risk-based capital ratio | 30.7267% | 522 |
| Memoranda: | ||
| Average total assets | $381,212,200 | 1,723 |
| Average earning assets | $328,464,600 | 1,853 |
| Average equity | $57,037,400 | 1,311 |
| Average total loans | $213,224,400 | 1,969 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9127% | 61 |
| Cost of funding earning assets | 1.0085% | 173 |
| Net interest margin | 5.9042% | 81 |
| Noninterest income to average assets | 0.8657% | 1,567 |
| Noninterest expense to average assets | 4.7520% | 349 |
| Loan and lease loss provision to assets | 0.1638% | 1,299 |
| Net operating income to assets | 0.9674% | 2,633 |
| Return on assets (ROA) | 0.9674% | 2,718 |
| Pretax return on assets | 1.0322% | 3,496 |
| Return on Equity (ROE) | 6.6472% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.6472% | 1,866 |
| Net charge-offs to loans | 0.6695% | 324 |
| Credit loss provision to net charge-offs | 44.4757% | 3,111 |
| Earnings coverage of net charge-offs (x) | 3.2481% | 3,535 |
| Efficiency ratio | 79.8934% | 1,674 |
| Assets per employee ($millions) | 3.1543% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 2,512 |
| Loan loss allowance to noncurrent loans | 4.4106% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 29.2776% | 2 |
| Noncurrent loans to loans | 32.1507% | 1 |
| Net loans and leases to total assets | 55.3247% | 4,422 |
| Net loans and leases to deposits | 73.6903% | 3,575 |
| Net loans and leases to core deposits | 74.6344% | 3,945 |
| Total domestic deposits to total assets | 75.0774% | 5,618 |
| Equity capital to assets | 15.7305% | 609 |
| Core capital (leverage) ratio | 15.5437% | 549 |
| Tier 1 risk-based capital ratio | 28.9082% | 575 |
| Total risk-based capital ratio | 29.8658% | 580 |
| Memoranda: | ||
| Average total assets | $386,744,000 | 1,712 |
| Average earning assets | $332,905,500 | 1,836 |
| Average equity | $56,283,250 | 1,338 |
| Average total loans | $212,675,000 | 1,982 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5263% | 78 |
| Cost of funding earning assets | 1.0323% | 145 |
| Net interest margin | 5.4940% | 126 |
| Noninterest income to average assets | 0.6739% | 2,327 |
| Noninterest expense to average assets | 4.5619% | 398 |
| Loan and lease loss provision to assets | 0.2420% | 747 |
| Net operating income to assets | 0.5206% | 4,680 |
| Return on assets (ROA) | 0.5206% | 4,783 |
| Pretax return on assets | 0.5842% | 5,013 |
| Return on Equity (ROE) | 3.6701% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.6701% | 3,687 |
| Net charge-offs to loans | 0.8185% | 258 |
| Credit loss provision to net charge-offs | 54.1002% | 2,655 |
| Earnings coverage of net charge-offs (x) | 1.8474% | 3,441 |
| Efficiency ratio | 84.6663% | 1,194 |
| Assets per employee ($millions) | 3.2673% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 2,298 |
| Loan loss allowance to noncurrent loans | 4.1108% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 32.8999% | 1 |
| Noncurrent loans to loans | 36.4856% | 1 |
| Net loans and leases to total assets | 54.1827% | 4,533 |
| Net loans and leases to deposits | 71.1270% | 3,811 |
| Net loans and leases to core deposits | 72.0623% | 4,127 |
| Total domestic deposits to total assets | 76.1774% | 5,579 |
| Equity capital to assets | 14.8463% | 731 |
| Core capital (leverage) ratio | 14.5317% | 703 |
| Tier 1 risk-based capital ratio | 26.4656% | 742 |
| Total risk-based capital ratio | 27.4274% | 752 |
| Memoranda: | ||
| Average total assets | $392,640,670 | 1,700 |
| Average earning assets | $336,914,330 | 1,825 |
| Average equity | $55,693,000 | 1,358 |
| Average total loans | $214,528,330 | 1,978 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0364% | 124 |
| Cost of funding earning assets | 1.0457% | 138 |
| Net interest margin | 4.9908% | 254 |
| Noninterest income to average assets | 0.6008% | 2,648 |
| Noninterest expense to average assets | 4.4591% | 441 |
| Loan and lease loss provision to assets | 0.0501% | 2,932 |
| Net operating income to assets | 0.3214% | 5,336 |
| Return on assets (ROA) | 0.3214% | 5,446 |
| Pretax return on assets | 0.3835% | 5,461 |
| Return on Equity (ROE) | 2.3175% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.3175% | 4,532 |
| Net charge-offs to loans | 0.5185% | 480 |
| Credit loss provision to net charge-offs | 17.7305% | 2,380 |
| Earnings coverage of net charge-offs (x) | 1.5355% | 2,909 |
| Efficiency ratio | 91.1379% | 769 |
| Assets per employee ($millions) | 3.5073% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 2,274 |
| Loan loss allowance to noncurrent loans | 3.8485% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 33.8286% | 1 |
| Noncurrent loans to loans | 40.0508% | 1 |
| Net loans and leases to total assets | 53.6300% | 4,488 |
| Net loans and leases to deposits | 69.6480% | 3,788 |
| Net loans and leases to core deposits | 70.6411% | 4,092 |
| Total domestic deposits to total assets | 77.0015% | 5,611 |
| Equity capital to assets | 14.1454% | 935 |
| Core capital (leverage) ratio | 13.8645% | 865 |
| Tier 1 risk-based capital ratio | 25.4269% | 841 |
| Total risk-based capital ratio | 26.3463% | 857 |
| Memoranda: | ||
| Average total assets | $399,456,000 | 1,677 |
| Average earning assets | $343,514,000 | 1,784 |
| Average equity | $55,405,000 | 1,374 |
| Average total loans | $217,550,000 | 1,959 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5809% | 87 |
| Cost of funding earning assets | 1.2114% | 78 |
| Net interest margin | 5.3695% | 162 |
| Noninterest income to average assets | 0.6213% | 2,731 |
| Noninterest expense to average assets | 4.6323% | 412 |
| Loan and lease loss provision to assets | 0.2376% | 999 |
| Net operating income to assets | 0.2474% | 5,666 |
| Return on assets (ROA) | 0.2474% | 5,721 |
| Pretax return on assets | 0.3074% | 5,689 |
| Return on Equity (ROE) | 2.6618% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.6618% | 4,351 |
| Net charge-offs to loans | 1.2157% | 219 |
| Credit loss provision to net charge-offs | 33.6620% | 3,782 |
| Earnings coverage of net charge-offs (x) | 0.7722% | 4,568 |
| Efficiency ratio | 89.4734% | 881 |
| Assets per employee ($millions) | 3.5312% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 2,108 |
| Loan loss allowance to noncurrent loans | 3.9693% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 34.3701% | 1 |
| Noncurrent loans to loans | 40.2172% | 1 |
| Net loans and leases to total assets | 53.5845% | 4,625 |
| Net loans and leases to deposits | 68.8287% | 4,046 |
| Net loans and leases to core deposits | 69.9402% | 4,332 |
| Total domestic deposits to total assets | 77.8520% | 5,463 |
| Equity capital to assets | 13.7885% | 1,034 |
| Core capital (leverage) ratio | 13.7885% | 868 |
| Tier 1 risk-based capital ratio | 24.8140% | 853 |
| Total risk-based capital ratio | 25.7353% | 875 |
| Memoranda: | ||
| Average total assets | $416,702,800 | 1,587 |
| Average earning assets | $353,570,600 | 1,693 |
| Average equity | $38,733,800 | 1,824 |
| Average total loans | $241,915,000 | 1,747 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9542% | 68 |
| Cost of funding earning assets | 1.2389% | 73 |
| Net interest margin | 5.7152% | 103 |
| Noninterest income to average assets | 0.6473% | 2,586 |
| Noninterest expense to average assets | 4.5872% | 421 |
| Loan and lease loss provision to assets | 0.2305% | 962 |
| Net operating income to assets | 0.6054% | 4,420 |
| Return on assets (ROA) | 0.6054% | 4,511 |
| Pretax return on assets | 0.6651% | 4,820 |
| Return on Equity (ROE) | 7.3756% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.3756% | 1,636 |
| Net charge-offs to loans | 1.0527% | 282 |
| Credit loss provision to net charge-offs | 37.1604% | 3,334 |
| Earnings coverage of net charge-offs (x) | 1.4439% | 4,153 |
| Efficiency ratio | 83.6648% | 1,428 |
| Assets per employee ($millions) | 3.7615% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 1,609 |
| Loan loss allowance to noncurrent loans | 5.1495% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 32.2525% | 2 |
| Noncurrent loans to loans | 35.6882% | 2 |
| Net loans and leases to total assets | 53.9479% | 4,581 |
| Net loans and leases to deposits | 68.7459% | 4,047 |
| Net loans and leases to core deposits | 69.9173% | 4,328 |
| Total domestic deposits to total assets | 78.4743% | 5,438 |
| Equity capital to assets | 13.4510% | 1,206 |
| Core capital (leverage) ratio | 13.4510% | 1,017 |
| Tier 1 risk-based capital ratio | 25.1195% | 873 |
| Total risk-based capital ratio | 26.0127% | 890 |
| Memoranda: | ||
| Average total assets | $419,355,750 | 1,591 |
| Average earning assets | $354,809,250 | 1,703 |
| Average equity | $34,418,750 | 2,029 |
| Average total loans | $247,110,750 | 1,717 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2423% | 57 |
| Cost of funding earning assets | 1.2799% | 65 |
| Net interest margin | 5.9624% | 84 |
| Noninterest income to average assets | 0.4906% | 3,547 |
| Noninterest expense to average assets | 4.5225% | 441 |
| Loan and lease loss provision to assets | 0.2508% | 872 |
| Net operating income to assets | 0.6797% | 3,944 |
| Return on assets (ROA) | 0.6797% | 4,043 |
| Pretax return on assets | 0.7394% | 4,496 |
| Return on Equity (ROE) | 10.5398% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.5398% | 609 |
| Net charge-offs to loans | 0.9259% | 391 |
| Credit loss provision to net charge-offs | 44.9486% | 2,866 |
| Earnings coverage of net charge-offs (x) | 1.7748% | 3,714 |
| Efficiency ratio | 82.0380% | 1,738 |
| Assets per employee ($millions) | 3.5673% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 1,345 |
| Loan loss allowance to noncurrent loans | 5.4753% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 34.9138% | 2 |
| Noncurrent loans to loans | 36.6765% | 2 |
| Net loans and leases to total assets | 57.5470% | 4,044 |
| Net loans and leases to deposits | 67.6523% | 4,089 |
| Net loans and leases to core deposits | 69.5476% | 4,312 |
| Total domestic deposits to total assets | 85.0630% | 3,471 |
| Equity capital to assets | 6.7487% | 6,472 |
| Core capital (leverage) ratio | 6.7487% | 6,470 |
| Tier 1 risk-based capital ratio | 11.7992% | 5,638 |
| Total risk-based capital ratio | 12.5079% | 5,874 |
| Memoranda: | ||
| Average total assets | $418,710,330 | 1,594 |
| Average earning assets | $352,676,670 | 1,709 |
| Average equity | $27,002,330 | 2,478 |
| Average total loans | $252,303,330 | 1,682 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4629% | 53 |
| Cost of funding earning assets | 1.2949% | 62 |
| Net interest margin | 6.1680% | 75 |
| Noninterest income to average assets | 0.7074% | 2,140 |
| Noninterest expense to average assets | 4.7146% | 380 |
| Loan and lease loss provision to assets | 0.3547% | 497 |
| Net operating income to assets | 0.7547% | 3,390 |
| Return on assets (ROA) | 0.7547% | 3,475 |
| Pretax return on assets | 0.8143% | 4,057 |
| Return on Equity (ROE) | 11.9728% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.9728% | 610 |
| Net charge-offs to loans | 0.8341% | 415 |
| Credit loss provision to net charge-offs | 69.7026% | 2,007 |
| Earnings coverage of net charge-offs (x) | 2.2974% | 2,912 |
| Efficiency ratio | 80.1318% | 2,186 |
| Assets per employee ($millions) | 3.5984% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1165% | 1,294 |
| Loan loss allowance to noncurrent loans | 5.6002% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 36.6611% | 1 |
| Noncurrent loans to loans | 37.7929% | 3 |
| Net loans and leases to total assets | 58.4191% | 3,780 |
| Net loans and leases to deposits | 68.2708% | 3,833 |
| Net loans and leases to core deposits | 70.0687% | 4,085 |
| Total domestic deposits to total assets | 85.5696% | 3,575 |
| Equity capital to assets | 6.4274% | 6,531 |
| Core capital (leverage) ratio | 6.4274% | 6,544 |
| Tier 1 risk-based capital ratio | 10.9137% | 6,185 |
| Total risk-based capital ratio | 11.6771% | 6,315 |
| Memoranda: | ||
| Average total assets | $422,944,500 | 1,582 |
| Average earning assets | $354,927,000 | 1,709 |
| Average equity | $26,660,500 | 2,496 |
| Average total loans | $257,995,000 | 1,649 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3543% | 42 |
| Cost of funding earning assets | 1.5224% | 48 |
| Net interest margin | 6.8320% | 51 |
| Noninterest income to average assets | 0.6135% | 3,009 |
| Noninterest expense to average assets | 5.1818% | 302 |
| Loan and lease loss provision to assets | 0.7277% | 309 |
| Net operating income to assets | 0.1385% | 5,964 |
| Return on assets (ROA) | 0.1385% | 6,030 |
| Pretax return on assets | 0.2141% | 5,912 |
| Return on Equity (ROE) | 2.3359% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.3359% | 4,585 |
| Net charge-offs to loans | 1.5955% | 288 |
| Credit loss provision to net charge-offs | 70.9302% | 3,283 |
| Earnings coverage of net charge-offs (x) | 0.9180% | 4,778 |
| Efficiency ratio | 84.6212% | 1,560 |
| Assets per employee ($millions) | 3.5407% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 1,395 |
| Loan loss allowance to noncurrent loans | 5.6842% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 37.1339% | 2 |
| Noncurrent loans to loans | 36.4249% | 4 |
| Net loans and leases to total assets | 61.0152% | 3,537 |
| Net loans and leases to deposits | 71.0248% | 3,651 |
| Net loans and leases to core deposits | 72.9326% | 3,959 |
| Total domestic deposits to total assets | 85.9069% | 3,308 |
| Equity capital to assets | 6.1808% | 6,605 |
| Core capital (leverage) ratio | 6.1808% | 6,632 |
| Tier 1 risk-based capital ratio | 10.1189% | 6,482 |
| Total risk-based capital ratio | 11.0533% | 6,522 |
| Memoranda: | ||
| Average total assets | $452,676,800 | 1,468 |
| Average earning assets | $365,091,400 | 1,651 |
| Average equity | $26,841,400 | 2,476 |
| Average total loans | $291,076,200 | 1,459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7804% | 32 |
| Cost of funding earning assets | 1.5643% | 43 |
| Net interest margin | 7.2162% | 49 |
| Noninterest income to average assets | 0.6344% | 2,960 |
| Noninterest expense to average assets | 5.2769% | 286 |
| Loan and lease loss provision to assets | 0.8540% | 215 |
| Net operating income to assets | 0.2724% | 5,700 |
| Return on assets (ROA) | 0.2724% | 5,807 |
| Pretax return on assets | 0.2724% | 5,931 |
| Return on Equity (ROE) | 4.6392% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.6392% | 3,370 |
| Net charge-offs to loans | 1.8284% | 224 |
| Credit loss provision to net charge-offs | 72.1215% | 3,026 |
| Earnings coverage of net charge-offs (x) | 0.9512% | 4,530 |
| Efficiency ratio | 82.4092% | 1,776 |
| Assets per employee ($millions) | 3.3541% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 1,653 |
| Loan loss allowance to noncurrent loans | 5.4914% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 39.8125% | 2 |
| Noncurrent loans to loans | 36.9531% | 3 |
| Net loans and leases to total assets | 62.5549% | 3,248 |
| Net loans and leases to deposits | 72.5427% | 3,449 |
| Net loans and leases to core deposits | 74.6695% | 3,768 |
| Total domestic deposits to total assets | 86.2319% | 3,115 |
| Equity capital to assets | 6.0478% | 6,688 |
| Core capital (leverage) ratio | 6.0478% | 6,712 |
| Tier 1 risk-based capital ratio | 9.3481% | 6,697 |
| Total risk-based capital ratio | 10.3046% | 6,720 |
| Memoranda: | ||
| Average total assets | $459,625,750 | 1,442 |
| Average earning assets | $367,443,750 | 1,652 |
| Average equity | $26,986,500 | 2,484 |
| Average total loans | $297,664,500 | 1,419 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2807% | 22 |
| Cost of funding earning assets | 1.5963% | 42 |
| Net interest margin | 8.6844% | 28 |
| Noninterest income to average assets | 0.3937% | 4,569 |
| Noninterest expense to average assets | 5.3863% | 276 |
| Loan and lease loss provision to assets | 0.8766% | 227 |
| Net operating income to assets | 1.0202% | 2,240 |
| Return on assets (ROA) | 1.0202% | 2,363 |
| Pretax return on assets | 1.0202% | 3,418 |
| Return on Equity (ROE) | 17.5414% | 504 |
| Retained earnings to average equity (ytd only) | 17.5414% | 138 |
| Net charge-offs to loans | 1.4688% | 365 |
| Credit loss provision to net charge-offs | 91.7415% | 2,401 |
| Earnings coverage of net charge-offs (x) | 1.9852% | 3,858 |
| Efficiency ratio | 73.9563% | 3,142 |
| Assets per employee ($millions) | 3.3507% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 1,293 |
| Loan loss allowance to noncurrent loans | 6.3141% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 39.6749% | 1 |
| Noncurrent loans to loans | 36.0691% | 3 |
| Net loans and leases to total assets | 62.5898% | 3,182 |
| Net loans and leases to deposits | 72.4295% | 3,392 |
| Net loans and leases to core deposits | 75.3093% | 3,635 |
| Total domestic deposits to total assets | 86.4148% | 3,160 |
| Equity capital to assets | 6.1469% | 6,731 |
| Core capital (leverage) ratio | 6.1469% | 6,741 |
| Tier 1 risk-based capital ratio | 9.4763% | 6,724 |
| Total risk-based capital ratio | 10.4878% | 6,737 |
| Memoranda: | ||
| Average total assets | $466,372,670 | 1,428 |
| Average earning assets | $369,973,670 | 1,637 |
| Average equity | $27,124,330 | 2,475 |
| Average total loans | $303,369,330 | 1,385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6474% | 16 |
| Cost of funding earning assets | 1.6683% | 36 |
| Net interest margin | 10.9792% | 17 |
| Noninterest income to average assets | 0.0187% | 6,813 |
| Noninterest expense to average assets | 5.4559% | 275 |
| Loan and lease loss provision to assets | 1.3771% | 107 |
| Net operating income to assets | 1.7799% | 490 |
| Return on assets (ROA) | 1.7799% | 546 |
| Pretax return on assets | 1.7799% | 921 |
| Return on Equity (ROE) | 31.4681% | 66 |
| Retained earnings to average equity (ytd only) | 31.4681% | 40 |
| Net charge-offs to loans | 1.7469% | 283 |
| Credit loss provision to net charge-offs | 120.2963% | 1,592 |
| Earnings coverage of net charge-offs (x) | 2.7578% | 2,949 |
| Efficiency ratio | 63.3455% | 5,106 |
| Assets per employee ($millions) | 3.2159% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3602% | 1,315 |
| Loan loss allowance to noncurrent loans | 7.2018% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 40.7160% | 1 |
| Noncurrent loans to loans | 32.7717% | 4 |
| Net loans and leases to total assets | 63.4735% | 2,808 |
| Net loans and leases to deposits | 73.2296% | 3,017 |
| Net loans and leases to core deposits | 76.1444% | 3,304 |
| Total domestic deposits to total assets | 86.6773% | 3,144 |
| Equity capital to assets | 5.9883% | 6,827 |
| Core capital (leverage) ratio | 5.9883% | 6,806 |
| Tier 1 risk-based capital ratio | 8.8455% | 6,820 |
| Total risk-based capital ratio | 9.4101% | 6,855 |
| Memoranda: | ||
| Average total assets | $471,712,000 | 1,422 |
| Average earning assets | $369,245,000 | 1,657 |
| Average equity | $26,681,000 | 2,547 |
| Average total loans | $309,121,500 | 1,375 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9478% | 79 |
| Cost of funding earning assets | 2.4991% | 8 |
| Net interest margin | 4.4487% | 1,051 |
| Noninterest income to average assets | -0.3979% | 7,018 |
| Noninterest expense to average assets | 4.8451% | 425 |
| Loan and lease loss provision to assets | 0.6891% | 756 |
| Net operating income to assets | -2.4432% | 6,971 |
| Return on assets (ROA) | -2.4432% | 6,974 |
| Pretax return on assets | -2.4415% | 6,975 |
| Return on Equity (ROE) | -42.6407% | 7,004 |
| Retained earnings to average equity (ytd only) | -42.6407% | 6,997 |
| Net charge-offs to loans | 2.6999% | 214 |
| Credit loss provision to net charge-offs | 39.4886% | 4,943 |
| Earnings coverage of net charge-offs (x) | -1.0043% | 5,758 |
| Efficiency ratio | 156.6673% | 76 |
| Assets per employee ($millions) | 3.2676% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1535% | 1,646 |
| Loan loss allowance to noncurrent loans | 5.9435% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 44.1751% | 1 |
| Noncurrent loans to loans | 36.2329% | 6 |
| Net loans and leases to total assets | 64.6149% | 2,794 |
| Net loans and leases to deposits | 73.8318% | 3,118 |
| Net loans and leases to core deposits | 77.5434% | 3,327 |
| Total domestic deposits to total assets | 87.5164% | 2,516 |
| Equity capital to assets | 5.3360% | 6,928 |
| Core capital (leverage) ratio | 5.3360% | 6,909 |
| Tier 1 risk-based capital ratio | 7.6522% | 6,929 |
| Total risk-based capital ratio | 8.2436% | 6,956 |
| Memoranda: | ||
| Average total assets | $546,825,400 | 1,228 |
| Average earning assets | $429,043,000 | 1,407 |
| Average equity | $31,331,600 | 2,180 |
| Average total loans | $353,414,800 | 1,185 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5226% | 139 |
| Cost of funding earning assets | 2.6191% | 4 |
| Net interest margin | 3.9034% | 2,903 |
| Noninterest income to average assets | -0.3597% | 7,108 |
| Noninterest expense to average assets | 4.7459% | 448 |
| Loan and lease loss provision to assets | 0.8192% | 572 |
| Net operating income to assets | -2.8566% | 7,107 |
| Return on assets (ROA) | -2.8566% | 7,111 |
| Pretax return on assets | -2.8566% | 7,105 |
| Return on Equity (ROE) | -49.1367% | 7,118 |
| Retained earnings to average equity (ytd only) | -49.1367% | 7,113 |
| Net charge-offs to loans | 2.7573% | 210 |
| Credit loss provision to net charge-offs | 46.1846% | 4,489 |
| Earnings coverage of net charge-offs (x) | -1.1486% | 5,589 |
| Efficiency ratio | 175.2228% | 54 |
| Assets per employee ($millions) | 3.5185% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5341% | 1,169 |
| Loan loss allowance to noncurrent loans | 6.4611% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 45.1293% | 1 |
| Noncurrent loans to loans | 39.2204% | 5 |
| Net loans and leases to total assets | 62.0485% | 3,368 |
| Net loans and leases to deposits | 70.2554% | 3,862 |
| Net loans and leases to core deposits | 77.3789% | 3,553 |
| Total domestic deposits to total assets | 88.3184% | 1,835 |
| Equity capital to assets | 5.0665% | 7,045 |
| Core capital (leverage) ratio | 5.0665% | 7,021 |
| Tier 1 risk-based capital ratio | 7.4469% | 7,023 |
| Total risk-based capital ratio | 8.0116% | 7,063 |
| Memoranda: | ||
| Average total assets | $563,446,500 | 1,191 |
| Average earning assets | $442,882,500 | 1,383 |
| Average equity | $32,756,750 | 2,120 |
| Average total loans | $362,467,750 | 1,160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4038% | 165 |
| Cost of funding earning assets | 2.6502% | 5 |
| Net interest margin | 3.7535% | 3,572 |
| Noninterest income to average assets | -0.2351% | 7,138 |
| Noninterest expense to average assets | 4.8091% | 423 |
| Loan and lease loss provision to assets | 0.8053% | 620 |
| Net operating income to assets | -2.8940% | 7,151 |
| Return on assets (ROA) | -2.8940% | 7,157 |
| Pretax return on assets | -2.8940% | 7,146 |
| Return on Equity (ROE) | -47.8806% | 7,163 |
| Retained earnings to average equity (ytd only) | -47.8806% | 7,158 |
| Net charge-offs to loans | 3.0344% | 191 |
| Credit loss provision to net charge-offs | 41.1242% | 4,240 |
| Earnings coverage of net charge-offs (x) | -1.0665% | 5,314 |
| Efficiency ratio | 176.7734% | 60 |
| Assets per employee ($millions) | 3.6200% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6447% | 1,102 |
| Loan loss allowance to noncurrent loans | 6.4426% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 46.4100% | 1 |
| Noncurrent loans to loans | 41.0500% | 3 |
| Net loans and leases to total assets | 62.1854% | 3,397 |
| Net loans and leases to deposits | 70.5621% | 3,815 |
| Net loans and leases to core deposits | 77.7359% | 3,556 |
| Total domestic deposits to total assets | 88.1286% | 2,057 |
| Equity capital to assets | 5.5760% | 7,057 |
| Core capital (leverage) ratio | 5.5760% | 7,024 |
| Tier 1 risk-based capital ratio | 8.1262% | 7,034 |
| Total risk-based capital ratio | 8.6980% | 7,069 |
| Memoranda: | ||
| Average total assets | $574,163,330 | 1,171 |
| Average earning assets | $452,110,000 | 1,366 |
| Average equity | $34,703,000 | 1,994 |
| Average total loans | $370,546,330 | 1,139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 296 |
| Cost of funding earning assets | 2.6965% | 4 |
| Net interest margin | 3.3321% | 5,361 |
| Noninterest income to average assets | -0.4061% | 7,238 |
| Noninterest expense to average assets | 4.9314% | 386 |
| Loan and lease loss provision to assets | 0.3985% | 1,586 |
| Net operating income to assets | -3.1031% | 7,226 |
| Return on assets (ROA) | -3.1031% | 7,226 |
| Pretax return on assets | -3.1031% | 7,213 |
| Return on Equity (ROE) | -49.5397% | 7,226 |
| Retained earnings to average equity (ytd only) | -49.5397% | 7,213 |
| Net charge-offs to loans | 2.7825% | 274 |
| Credit loss provision to net charge-offs | 22.0877% | 3,746 |
| Earnings coverage of net charge-offs (x) | -1.4989% | 4,594 |
| Efficiency ratio | 221.4527% | 33 |
| Assets per employee ($millions) | 3.6809% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8264% | 983 |
| Loan loss allowance to noncurrent loans | 6.6180% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 46.9277% | 1 |
| Noncurrent loans to loans | 42.7083% | 2 |
| Net loans and leases to total assets | 63.1370% | 3,008 |
| Net loans and leases to deposits | 71.8188% | 3,457 |
| Net loans and leases to core deposits | 78.7652% | 3,216 |
| Total domestic deposits to total assets | 87.9115% | 2,380 |
| Equity capital to assets | 5.9979% | 7,077 |
| Core capital (leverage) ratio | 5.9979% | 7,040 |
| Tier 1 risk-based capital ratio | 8.7110% | 7,059 |
| Total risk-based capital ratio | 9.3464% | 7,088 |
| Memoranda: | ||
| Average total assets | $586,126,500 | 1,145 |
| Average earning assets | $463,126,500 | 1,343 |
| Average equity | $36,714,000 | 1,897 |
| Average total loans | $380,088,500 | 1,114 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7267% | 59 |
| Cost of funding earning assets | 3.1699% | 7 |
| Net interest margin | 4.5568% | 1,008 |
| Noninterest income to average assets | -0.5249% | 7,269 |
| Noninterest expense to average assets | 4.8716% | 422 |
| Loan and lease loss provision to assets | 0.2899% | 3,348 |
| Net operating income to assets | -2.0310% | 7,032 |
| Return on assets (ROA) | -2.0310% | 7,043 |
| Pretax return on assets | -2.0420% | 7,034 |
| Return on Equity (ROE) | -28.9954% | 7,083 |
| Retained earnings to average equity (ytd only) | -28.9954% | 7,075 |
| Net charge-offs to loans | 2.8687% | 358 |
| Credit loss provision to net charge-offs | 15.3834% | 5,964 |
| Earnings coverage of net charge-offs (x) | -0.9299% | 6,184 |
| Efficiency ratio | 156.1687% | 124 |
| Assets per employee ($millions) | 3.7851% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 3,223 |
| Loan loss allowance to noncurrent loans | 4.5780% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 43.3783% | 1 |
| Noncurrent loans to loans | 37.0128% | 4 |
| Net loans and leases to total assets | 63.6299% | 3,265 |
| Net loans and leases to deposits | 72.6343% | 3,715 |
| Net loans and leases to core deposits | 79.4600% | 3,512 |
| Total domestic deposits to total assets | 87.6031% | 2,403 |
| Equity capital to assets | 6.5192% | 7,043 |
| Core capital (leverage) ratio | 6.5192% | 6,977 |
| Tier 1 risk-based capital ratio | 9.3445% | 6,989 |
| Total risk-based capital ratio | 10.2232% | 7,041 |
| Memoranda: | ||
| Average total assets | $672,709,800 | 963 |
| Average earning assets | $538,006,400 | 1,109 |
| Average equity | $47,121,200 | 1,439 |
| Average total loans | $441,872,600 | 944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9356% | 54 |
| Cost of funding earning assets | 3.2495% | 7 |
| Net interest margin | 4.6861% | 787 |
| Noninterest income to average assets | -0.4227% | 7,330 |
| Noninterest expense to average assets | 4.8503% | 421 |
| Loan and lease loss provision to assets | 0.0096% | 6,312 |
| Net operating income to assets | -1.5248% | 7,049 |
| Return on assets (ROA) | -1.5248% | 7,058 |
| Pretax return on assets | -1.5248% | 7,023 |
| Return on Equity (ROE) | -21.4474% | 7,110 |
| Retained earnings to average equity (ytd only) | -21.4474% | 7,097 |
| Net charge-offs to loans | 3.0993% | 300 |
| Credit loss provision to net charge-offs | 0.4721% | 5,732 |
| Earnings coverage of net charge-offs (x) | -0.7419% | 5,890 |
| Efficiency ratio | 145.4319% | 158 |
| Assets per employee ($millions) | 4.0063% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,771 |
| Loan loss allowance to noncurrent loans | 4.1868% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 42.3864% | 1 |
| Noncurrent loans to loans | 37.6589% | 6 |
| Net loans and leases to total assets | 63.2520% | 3,465 |
| Net loans and leases to deposits | 72.3358% | 3,936 |
| Net loans and leases to core deposits | 81.2074% | 3,451 |
| Total domestic deposits to total assets | 87.4421% | 2,383 |
| Equity capital to assets | 6.9800% | 7,059 |
| Core capital (leverage) ratio | 6.9800% | 6,967 |
| Tier 1 risk-based capital ratio | 10.1934% | 6,896 |
| Total risk-based capital ratio | 11.4417% | 6,886 |
| Memoranda: | ||
| Average total assets | $691,377,750 | 949 |
| Average earning assets | $554,416,500 | 1,084 |
| Average equity | $49,154,750 | 1,389 |
| Average total loans | $455,568,250 | 932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1371% | 51 |
| Cost of funding earning assets | 3.2739% | 6 |
| Net interest margin | 4.8632% | 531 |
| Noninterest income to average assets | -0.3491% | 7,394 |
| Noninterest expense to average assets | 4.9793% | 377 |
| Loan and lease loss provision to assets | -0.0847% | 7,419 |
| Net operating income to assets | -1.3443% | 7,050 |
| Return on assets (ROA) | -1.3443% | 7,056 |
| Pretax return on assets | -1.3443% | 7,013 |
| Return on Equity (ROE) | -18.8047% | 7,139 |
| Retained earnings to average equity (ytd only) | -18.8047% | 7,122 |
| Net charge-offs to loans | 2.7730% | 396 |
| Credit loss provision to net charge-offs | -4.6026% | 6,168 |
| Earnings coverage of net charge-offs (x) | -0.7763% | 5,596 |
| Efficiency ratio | 140.2514% | 195 |
| Assets per employee ($millions) | 4.0776% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4019% | 1,586 |
| Loan loss allowance to noncurrent loans | 6.1710% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 43.4865% | 1 |
| Noncurrent loans to loans | 38.9220% | 6 |
| Net loans and leases to total assets | 62.4579% | 3,799 |
| Net loans and leases to deposits | 71.1561% | 4,265 |
| Net loans and leases to core deposits | 82.2159% | 3,468 |
| Total domestic deposits to total assets | 87.7758% | 2,297 |
| Equity capital to assets | 7.0324% | 7,092 |
| Core capital (leverage) ratio | 7.0324% | 6,988 |
| Tier 1 risk-based capital ratio | 10.2760% | 6,883 |
| Total risk-based capital ratio | 11.5306% | 6,874 |
| Memoranda: | ||
| Average total assets | $708,170,330 | 934 |
| Average earning assets | $567,818,670 | 1,062 |
| Average equity | $50,625,670 | 1,327 |
| Average total loans | $470,111,000 | 918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1910% | 52 |
| Cost of funding earning assets | 3.3007% | 6 |
| Net interest margin | 4.8903% | 476 |
| Noninterest income to average assets | -0.4256% | 7,486 |
| Noninterest expense to average assets | 4.9611% | 377 |
| Loan and lease loss provision to assets | -0.7204% | 7,548 |
| Net operating income to assets | -0.7227% | 6,924 |
| Return on assets (ROA) | -0.7227% | 6,931 |
| Pretax return on assets | -0.7227% | 6,882 |
| Return on Equity (ROE) | -10.0318% | 7,031 |
| Retained earnings to average equity (ytd only) | -10.0318% | 6,873 |
| Net charge-offs to loans | 2.1056% | 593 |
| Credit loss provision to net charge-offs | -50.6823% | 5,655 |
| Earnings coverage of net charge-offs (x) | -1.0152% | 4,896 |
| Efficiency ratio | 141.0208% | 211 |
| Assets per employee ($millions) | 4.0759% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8537% | 1,055 |
| Loan loss allowance to noncurrent loans | 6.6071% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 47.4423% | 1 |
| Noncurrent loans to loans | 43.1915% | 3 |
| Net loans and leases to total assets | 65.5463% | 3,123 |
| Net loans and leases to deposits | 74.9139% | 3,610 |
| Net loans and leases to core deposits | 86.9640% | 2,742 |
| Total domestic deposits to total assets | 87.4955% | 2,661 |
| Equity capital to assets | 7.3665% | 6,942 |
| Core capital (leverage) ratio | 7.3665% | 6,818 |
| Tier 1 risk-based capital ratio | 10.3541% | 6,884 |
| Total risk-based capital ratio | 11.6149% | 6,861 |
| Memoranda: | ||
| Average total assets | $721,774,000 | 926 |
| Average earning assets | $582,056,000 | 1,038 |
| Average equity | $51,994,500 | 1,284 |
| Average total loans | $487,275,500 | 899 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7859% | 205 |
| Cost of funding earning assets | 4.1012% | 4 |
| Net interest margin | 2.6847% | 7,136 |
| Noninterest income to average assets | -0.4410% | 7,553 |
| Noninterest expense to average assets | 4.8362% | 482 |
| Loan and lease loss provision to assets | 1.2942% | 1,192 |
| Net operating income to assets | -4.3988% | 7,480 |
| Return on assets (ROA) | -4.3988% | 7,495 |
| Pretax return on assets | -4.3520% | 7,485 |
| Return on Equity (ROE) | -54.7670% | 7,449 |
| Retained earnings to average equity (ytd only) | -54.7670% | 7,446 |
| Net charge-offs to loans | 3.3658% | 445 |
| Credit loss provision to net charge-offs | 56.2837% | 6,149 |
| Earnings coverage of net charge-offs (x) | -1.3299% | 6,655 |
| Efficiency ratio | 271.9516% | 37 |
| Assets per employee ($millions) | 4.3405% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4276% | 619 |
| Loan loss allowance to noncurrent loans | 7.3941% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 48.7449% | 1 |
| Noncurrent loans to loans | 46.3561% | 3 |
| Net loans and leases to total assets | 65.2320% | 3,615 |
| Net loans and leases to deposits | 74.0911% | 4,176 |
| Net loans and leases to core deposits | 89.6651% | 2,814 |
| Total domestic deposits to total assets | 88.0430% | 2,222 |
| Equity capital to assets | 7.0518% | 7,096 |
| Core capital (leverage) ratio | 7.0518% | 7,001 |
| Tier 1 risk-based capital ratio | 10.0180% | 6,976 |
| Total risk-based capital ratio | 11.2863% | 6,957 |
| Memoranda: | ||
| Average total assets | $855,460,600 | 790 |
| Average earning assets | $707,204,800 | 873 |
| Average equity | $68,709,200 | 976 |
| Average total loans | $584,411,000 | 764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9052% | 168 |
| Cost of funding earning assets | 4.1562% | 5 |
| Net interest margin | 2.7490% | 7,185 |
| Noninterest income to average assets | -0.4406% | 7,665 |
| Noninterest expense to average assets | 4.7058% | 487 |
| Loan and lease loss provision to assets | 0.5243% | 2,837 |
| Net operating income to assets | -3.3891% | 7,501 |
| Return on assets (ROA) | -3.3891% | 7,517 |
| Pretax return on assets | -3.3891% | 7,483 |
| Return on Equity (ROE) | -41.1348% | 7,507 |
| Retained earnings to average equity (ytd only) | -41.1348% | 7,504 |
| Net charge-offs to loans | 3.7804% | 339 |
| Credit loss provision to net charge-offs | 20.2532% | 6,246 |
| Earnings coverage of net charge-offs (x) | -1.1067% | 6,461 |
| Efficiency ratio | 255.6121% | 43 |
| Assets per employee ($millions) | 4.7357% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 1,609 |
| Loan loss allowance to noncurrent loans | 5.1509% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 45.8375% | 1 |
| Noncurrent loans to loans | 44.9315% | 3 |
| Net loans and leases to total assets | 61.8674% | 4,561 |
| Net loans and leases to deposits | 70.8483% | 5,028 |
| Net loans and leases to core deposits | 96.7632% | 2,172 |
| Total domestic deposits to total assets | 87.3237% | 2,359 |
| Equity capital to assets | 8.1392% | 6,681 |
| Core capital (leverage) ratio | 8.1392% | 6,136 |
| Tier 1 risk-based capital ratio | 11.9142% | 5,539 |
| Total risk-based capital ratio | 13.1691% | 5,511 |
| Memoranda: | ||
| Average total assets | $882,684,250 | 765 |
| Average earning assets | $732,612,500 | 838 |
| Average equity | $72,725,000 | 917 |
| Average total loans | $604,442,500 | 736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8072% | 200 |
| Cost of funding earning assets | 4.1494% | 6 |
| Net interest margin | 2.6579% | 7,294 |
| Noninterest income to average assets | -0.2629% | 7,699 |
| Noninterest expense to average assets | 4.1266% | 885 |
| Loan and lease loss provision to assets | 1.0455% | 1,389 |
| Net operating income to assets | -3.2144% | 7,535 |
| Return on assets (ROA) | -3.2144% | 7,539 |
| Pretax return on assets | -3.2144% | 7,501 |
| Return on Equity (ROE) | -38.8683% | 7,523 |
| Retained earnings to average equity (ytd only) | -38.8683% | 7,515 |
| Net charge-offs to loans | 3.9612% | 327 |
| Credit loss provision to net charge-offs | 37.6693% | 5,640 |
| Earnings coverage of net charge-offs (x) | -0.7814% | 6,088 |
| Efficiency ratio | 210.7829% | 87 |
| Assets per employee ($millions) | 5.0235% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5798% | 1,216 |
| Loan loss allowance to noncurrent loans | 5.7207% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 45.6695% | 1 |
| Noncurrent loans to loans | 45.0957% | 4 |
| Net loans and leases to total assets | 64.3105% | 4,196 |
| Net loans and leases to deposits | 73.5937% | 4,742 |
| Net loans and leases to core deposits | 109.4081% | 1,208 |
| Total domestic deposits to total assets | 87.3859% | 2,331 |
| Equity capital to assets | 8.4084% | 6,290 |
| Core capital (leverage) ratio | 8.4084% | 5,567 |
| Tier 1 risk-based capital ratio | 12.2834% | 5,049 |
| Total risk-based capital ratio | 13.5389% | 5,022 |
| Memoranda: | ||
| Average total assets | $899,083,670 | 746 |
| Average earning assets | $751,200,000 | 818 |
| Average equity | $74,353,670 | 882 |
| Average total loans | $629,965,670 | 710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9168% | 194 |
| Cost of funding earning assets | 4.1754% | 6 |
| Net interest margin | 2.7414% | 7,254 |
| Noninterest income to average assets | -0.3146% | 7,829 |
| Noninterest expense to average assets | 4.1813% | 829 |
| Loan and lease loss provision to assets | 1.5307% | 762 |
| Net operating income to assets | -3.7248% | 7,697 |
| Return on assets (ROA) | -3.7248% | 7,700 |
| Pretax return on assets | -3.7248% | 7,666 |
| Return on Equity (ROE) | -45.4167% | 7,689 |
| Retained earnings to average equity (ytd only) | -45.4167% | 7,679 |
| Net charge-offs to loans | 5.4872% | 209 |
| Credit loss provision to net charge-offs | 38.7032% | 4,665 |
| Earnings coverage of net charge-offs (x) | -0.5547% | 5,299 |
| Efficiency ratio | 210.4041% | 88 |
| Assets per employee ($millions) | 4.9040% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7874% | 1,005 |
| Loan loss allowance to noncurrent loans | 6.0975% | 7,373 |
| Noncurrent assets plus other real estate owned to assets | 47.8912% | 1 |
| Noncurrent loans to loans | 45.7127% | 5 |
| Net loans and leases to total assets | 69.3049% | 3,089 |
| Net loans and leases to deposits | 78.9320% | 3,852 |
| Net loans and leases to core deposits | 119.8080% | 792 |
| Total domestic deposits to total assets | 87.8033% | 2,175 |
| Equity capital to assets | 7.9007% | 6,754 |
| Core capital (leverage) ratio | 7.8992% | 6,387 |
| Tier 1 risk-based capital ratio | 10.9121% | 6,240 |
| Total risk-based capital ratio | 12.1766% | 6,207 |
| Memoranda: | ||
| Average total assets | $901,535,000 | 765 |
| Average earning assets | $756,997,500 | 830 |
| Average equity | $73,937,500 | 900 |
| Average total loans | $649,808,500 | 699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3145% | 171 |
| Cost of funding earning assets | 4.2709% | 6 |
| Net interest margin | 3.0436% | 6,533 |
| Noninterest income to average assets | -0.6290% | 7,958 |
| Noninterest expense to average assets | 5.1671% | 468 |
| Loan and lease loss provision to assets | 3.4218% | 460 |
| Net operating income to assets | -6.6274% | 7,872 |
| Return on assets (ROA) | -6.6278% | 7,866 |
| Pretax return on assets | -6.6278% | 7,843 |
| Return on Equity (ROE) | -56.0479% | 7,732 |
| Retained earnings to average equity (ytd only) | -56.0479% | 7,727 |
| Net charge-offs to loans | 3.6247% | 521 |
| Credit loss provision to net charge-offs | 122.8497% | 4,305 |
| Earnings coverage of net charge-offs (x) | -1.1509% | 6,911 |
| Efficiency ratio | 263.4358% | 74 |
| Assets per employee ($millions) | 5.0848% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4320% | 557 |
| Loan loss allowance to noncurrent loans | 7.1606% | 7,403 |
| Noncurrent assets plus other real estate owned to assets | 48.7715% | 1 |
| Noncurrent loans to loans | 47.9288% | 4 |
| Net loans and leases to total assets | 70.3322% | 3,176 |
| Net loans and leases to deposits | 80.5123% | 3,888 |
| Net loans and leases to core deposits | 104.6094% | 3,506 |
| Total domestic deposits to total assets | 87.3559% | 2,290 |
| Equity capital to assets | 8.4896% | 5,895 |
| Core capital (leverage) ratio | 8.4881% | 5,298 |
| Tier 1 risk-based capital ratio | 11.7832% | 5,123 |
| Total risk-based capital ratio | 13.0569% | 5,073 |
| Memoranda: | ||
| Average total assets | $984,700,200 | 682 |
| Average earning assets | $838,092,000 | 729 |
| Average equity | $116,443,200 | 566 |
| Average total loans | $756,663,600 | 604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5466% | 136 |
| Cost of funding earning assets | 4.2390% | 6 |
| Net interest margin | 3.3077% | 5,612 |
| Noninterest income to average assets | -0.6114% | 8,053 |
| Noninterest expense to average assets | 3.8419% | 1,522 |
| Loan and lease loss provision to assets | 2.3306% | 727 |
| Net operating income to assets | -3.9657% | 7,745 |
| Return on assets (ROA) | -3.9662% | 7,747 |
| Pretax return on assets | -3.9662% | 7,681 |
| Return on Equity (ROE) | -31.4978% | 7,641 |
| Retained earnings to average equity (ytd only) | -31.4978% | 7,624 |
| Net charge-offs to loans | 3.5448% | 419 |
| Credit loss provision to net charge-offs | 84.5488% | 5,636 |
| Earnings coverage of net charge-offs (x) | -0.5932% | 6,516 |
| Efficiency ratio | 174.0899% | 219 |
| Assets per employee ($millions) | 5.3099% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,015 |
| Loan loss allowance to noncurrent loans | 3.9764% | 7,514 |
| Noncurrent assets plus other real estate owned to assets | 49.0660% | 1 |
| Noncurrent loans to loans | 47.8922% | 3 |
| Net loans and leases to total assets | 71.3918% | 3,182 |
| Net loans and leases to deposits | 84.5234% | 3,565 |
| Net loans and leases to core deposits | 105.2575% | 3,789 |
| Total domestic deposits to total assets | 84.4639% | 3,495 |
| Equity capital to assets | 11.6302% | 2,484 |
| Core capital (leverage) ratio | 11.6095% | 2,012 |
| Tier 1 risk-based capital ratio | 15.8359% | 2,689 |
| Total risk-based capital ratio | 17.0883% | 2,625 |
| Memoranda: | ||
| Average total assets | $1,000,786,500 | 679 |
| Average earning assets | $852,703,750 | 722 |
| Average equity | $126,020,500 | 541 |
| Average total loans | $778,251,750 | 607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8698% | 103 |
| Cost of funding earning assets | 4.2147% | 14 |
| Net interest margin | 3.6551% | 4,143 |
| Noninterest income to average assets | -0.6063% | 8,131 |
| Noninterest expense to average assets | 3.7769% | 1,693 |
| Loan and lease loss provision to assets | 2.2790% | 703 |
| Net operating income to assets | -3.5348% | 7,768 |
| Return on assets (ROA) | -3.5356% | 7,768 |
| Pretax return on assets | -3.5356% | 7,682 |
| Return on Equity (ROE) | -27.4020% | 7,671 |
| Retained earnings to average equity (ytd only) | -27.4020% | 7,644 |
| Net charge-offs to loans | 3.5469% | 437 |
| Credit loss provision to net charge-offs | 80.9494% | 5,173 |
| Earnings coverage of net charge-offs (x) | -0.4461% | 6,045 |
| Efficiency ratio | 149.8152% | 371 |
| Assets per employee ($millions) | 5.3301% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 1,843 |
| Loan loss allowance to noncurrent loans | 3.9693% | 7,551 |
| Noncurrent assets plus other real estate owned to assets | 49.6663% | 1 |
| Noncurrent loans to loans | 47.3831% | 5 |
| Net loans and leases to total assets | 73.4511% | 2,854 |
| Net loans and leases to deposits | 88.0098% | 3,168 |
| Net loans and leases to core deposits | 109.2915% | 3,461 |
| Total domestic deposits to total assets | 83.4579% | 4,034 |
| Equity capital to assets | 12.5981% | 1,881 |
| Core capital (leverage) ratio | 12.5780% | 1,585 |
| Tier 1 risk-based capital ratio | 16.7654% | 2,376 |
| Total risk-based capital ratio | 18.0136% | 2,323 |
| Memoranda: | ||
| Average total assets | $1,008,709,670 | 687 |
| Average earning assets | $863,075,330 | 732 |
| Average equity | $130,151,000 | 531 |
| Average total loans | $800,652,000 | 609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8069% | 59 |
| Cost of funding earning assets | 4.1937% | 18 |
| Net interest margin | 4.6133% | 922 |
| Noninterest income to average assets | -0.7253% | 8,205 |
| Noninterest expense to average assets | 3.2652% | 2,751 |
| Loan and lease loss provision to assets | 2.3629% | 497 |
| Net operating income to assets | -2.3751% | 7,743 |
| Return on assets (ROA) | -2.3767% | 7,745 |
| Pretax return on assets | -2.3767% | 7,637 |
| Return on Equity (ROE) | -18.2087% | 7,715 |
| Retained earnings to average equity (ytd only) | -18.2087% | 7,592 |
| Net charge-offs to loans | 3.7328% | 325 |
| Credit loss provision to net charge-offs | 77.5822% | 4,229 |
| Earnings coverage of net charge-offs (x) | -0.0040% | 4,984 |
| Efficiency ratio | 100.3757% | 1,114 |
| Assets per employee ($millions) | 4.5037% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 1,643 |
| Loan loss allowance to noncurrent loans | 4.3088% | 7,554 |
| Noncurrent assets plus other real estate owned to assets | 47.3897% | 1 |
| Noncurrent loans to loans | 43.8303% | 5 |
| Net loans and leases to total assets | 77.2750% | 1,974 |
| Net loans and leases to deposits | 92.9907% | 2,434 |
| Net loans and leases to core deposits | 115.4124% | 2,857 |
| Total domestic deposits to total assets | 83.0997% | 4,095 |
| Equity capital to assets | 13.0963% | 1,705 |
| Core capital (leverage) ratio | 13.0242% | 1,476 |
| Tier 1 risk-based capital ratio | 17.1525% | 2,292 |
| Total risk-based capital ratio | 18.4053% | 2,233 |
| Memoranda: | ||
| Average total assets | $1,014,703,500 | 681 |
| Average earning assets | $875,036,500 | 727 |
| Average equity | $132,442,500 | 520 |
| Average total loans | $827,910,000 | 595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5068% | 53 |
| Cost of funding earning assets | 4.2199% | 45 |
| Net interest margin | 5.2869% | 289 |
| Noninterest income to average assets | -0.0267% | 8,171 |
| Noninterest expense to average assets | 3.0203% | 4,009 |
| Loan and lease loss provision to assets | 1.9487% | 631 |
| Net operating income to assets | -0.2097% | 6,630 |
| Return on assets (ROA) | -0.1772% | 6,442 |
| Pretax return on assets | -0.1706% | 6,346 |
| Return on Equity (ROE) | -1.3818% | 6,414 |
| Retained earnings to average equity (ytd only) | -9.2553% | 6,995 |
| Net charge-offs to loans | 1.6442% | 681 |
| Credit loss provision to net charge-offs | 136.2944% | 3,910 |
| Earnings coverage of net charge-offs (x) | 1.2209% | 5,517 |
| Efficiency ratio | 63.3726% | 5,696 |
| Assets per employee ($millions) | 4.5159% | 2,589 |
| Cash dividends to net income (ytd only)* | -569.7987% | 8,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 1,328 |
| Loan loss allowance to noncurrent loans | 4.6121% | 7,548 |
| Noncurrent assets plus other real estate owned to assets | 46.7415% | 2 |
| Noncurrent loans to loans | 42.1386% | 5 |
| Net loans and leases to total assets | 82.7476% | 1,091 |
| Net loans and leases to deposits | 99.3981% | 1,923 |
| Net loans and leases to core deposits | 122.9691% | 2,401 |
| Total domestic deposits to total assets | 83.2486% | 3,673 |
| Equity capital to assets | 13.0089% | 1,781 |
| Core capital (leverage) ratio | 12.0125% | 1,956 |
| Tier 1 risk-based capital ratio | 15.3506% | 2,898 |
| Total risk-based capital ratio | 16.6056% | 2,830 |
| Memoranda: | ||
| Average total assets | $1,092,836,600 | 607 |
| Average earning assets | $990,674,800 | 606 |
| Average equity | $140,178,800 | 500 |
| Average total loans | $950,284,000 | 516 |